Home > Kennett Trust Bank > Performance and Condition Ratios
Kennett Trust Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 1,727 |
| Cost of funding earning assets | 1.7595% | 1,326 |
| Net interest margin | 3.4079% | 2,392 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.6769% | 1,802 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7238% | 3,121 |
| Return on assets (ROA) | 0.5205% | 3,614 |
| Pretax return on assets | 0.5979% | 3,634 |
| Return on Equity (ROE) | 6.4600% | 3,428 |
| Retained earnings to average equity (ytd only) | 2.9483% | 3,295 |
| Net charge-offs to loans | 0.0824% | 1,038 |
| Credit loss provision to net charge-offs | 39.3939% | 2,241 |
| Earnings coverage of net charge-offs (x) | 17.4848% | 1,972 |
| Efficiency ratio | 75.8830% | 1,252 |
| Assets per employee ($millions) | 6.6060% | 2,339 |
| Cash dividends to net income (ytd only)* | 54.3909% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,204 |
| Loan loss allowance to noncurrent loans | 281.3380% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 2,151 |
| Noncurrent loans to loans | 0.3628% | 1,899 |
| Net loans and leases to total assets | 58.6500% | 2,979 |
| Net loans and leases to deposits | 67.7736% | 3,052 |
| Net loans and leases to core deposits | 81.2803% | 2,633 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 8.5862% | 2,985 |
| Core capital (leverage) ratio | 10.2942% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $135,640,200 | 3,498 |
| Average earning assets | $119,633,400 | 3,547 |
| Average equity | $10,921,400 | 3,623 |
| Average total loans | $80,053,600 | 3,406 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 1,672 |
| Cost of funding earning assets | 1.6937% | 1,200 |
| Net interest margin | 3.3818% | 2,494 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.6887% | 1,700 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7261% | 3,239 |
| Return on assets (ROA) | 0.4444% | 3,882 |
| Pretax return on assets | 0.4903% | 3,917 |
| Return on Equity (ROE) | 5.6100% | 3,709 |
| Retained earnings to average equity (ytd only) | 2.0587% | 3,718 |
| Net charge-offs to loans | 0.0679% | 995 |
| Credit loss provision to net charge-offs | 60.9756% | 1,855 |
| Earnings coverage of net charge-offs (x) | 20.5854% | 1,802 |
| Efficiency ratio | 76.5360% | 1,128 |
| Assets per employee ($millions) | 6.8156% | 2,095 |
| Cash dividends to net income (ytd only)* | 63.2967% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,217 |
| Loan loss allowance to noncurrent loans | 284.7751% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 2,200 |
| Noncurrent loans to loans | 0.3610% | 1,935 |
| Net loans and leases to total assets | 58.1200% | 3,023 |
| Net loans and leases to deposits | 68.1238% | 2,974 |
| Net loans and leases to core deposits | 79.7865% | 2,620 |
| Total domestic deposits to total assets | 85.3200% | 2,407 |
| Equity capital to assets | 7.6098% | 3,287 |
| Core capital (leverage) ratio | 10.4701% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $136,520,500 | 3,498 |
| Average earning assets | $120,287,500 | 3,552 |
| Average equity | $10,815,750 | 3,639 |
| Average total loans | $80,494,500 | 3,408 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 1,640 |
| Cost of funding earning assets | 1.3996% | 1,450 |
| Net interest margin | 3.5554% | 2,139 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.6957% | 1,651 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8778% | 2,830 |
| Return on assets (ROA) | 0.4495% | 3,921 |
| Pretax return on assets | 0.5022% | 3,963 |
| Return on Equity (ROE) | 5.6000% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.0979% | 3,706 |
| Net charge-offs to loans | 0.0967% | 693 |
| Credit loss provision to net charge-offs | 66.6667% | 1,605 |
| Earnings coverage of net charge-offs (x) | 17.7949% | 1,785 |
| Efficiency ratio | 72.6233% | 1,496 |
| Assets per employee ($millions) | 6.8480% | 2,044 |
| Cash dividends to net income (ytd only)* | 62.5407% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,337 |
| Loan loss allowance to noncurrent loans | 1,376.6667% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,337 |
| Noncurrent loans to loans | 0.0742% | 3,157 |
| Net loans and leases to total assets | 58.4400% | 2,924 |
| Net loans and leases to deposits | 69.0730% | 2,852 |
| Net loans and leases to core deposits | 80.9493% | 2,413 |
| Total domestic deposits to total assets | 84.6000% | 2,662 |
| Equity capital to assets | 7.9462% | 3,249 |
| Core capital (leverage) ratio | 10.1183% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $136,590,333 | 3,505 |
| Average earning assets | $120,606,333 | 3,560 |
| Average equity | $10,963,333 | 3,636 |
| Average total loans | $80,642,333 | 3,405 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 1,559 |
| Cost of funding earning assets | 1.2599% | 1,325 |
| Net interest margin | 3.5682% | 2,197 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.7653% | 1,519 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8416% | 3,047 |
| Return on assets (ROA) | -0.0352% | 4,492 |
| Pretax return on assets | -0.0381% | 4,477 |
| Return on Equity (ROE) | -0.4400% | 4,466 |
| Retained earnings to average equity (ytd only) | -3.9260% | 4,286 |
| Net charge-offs to loans | 0.1689% | 419 |
| Credit loss provision to net charge-offs | 73.5294% | 1,234 |
| Earnings coverage of net charge-offs (x) | 9.9118% | 1,672 |
| Efficiency ratio | 73.6719% | 1,372 |
| Assets per employee ($millions) | 6.1789% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,372 |
| Loan loss allowance to noncurrent loans | 1,509.0909% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,913 |
| Noncurrent loans to loans | 0.0685% | 3,243 |
| Net loans and leases to total assets | 58.5000% | 2,822 |
| Net loans and leases to deposits | 70.3295% | 2,579 |
| Net loans and leases to core deposits | 82.7752% | 2,078 |
| Total domestic deposits to total assets | 83.1800% | 3,260 |
| Equity capital to assets | 8.2120% | 3,100 |
| Core capital (leverage) ratio | 9.9444% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $136,406,000 | 3,553 |
| Average earning assets | $120,957,500 | 3,592 |
| Average equity | $11,003,500 | 3,675 |
| Average total loans | $80,532,000 | 3,442 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 1,688 |
| Cost of funding earning assets | 0.6137% | 848 |
| Net interest margin | 3.3963% | 2,271 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.6894% | 1,580 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.5409% | 4,017 |
| Return on assets (ROA) | 0.5409% | 3,970 |
| Pretax return on assets | 0.6644% | 3,919 |
| Return on Equity (ROE) | 6.0500% | 3,817 |
| Retained earnings to average equity (ytd only) | 2.7792% | 3,780 |
| Net charge-offs to loans | 0.0250% | 1,559 |
| Credit loss provision to net charge-offs | 57.8947% | 1,789 |
| Earnings coverage of net charge-offs (x) | 46.4737% | 1,407 |
| Efficiency ratio | 79.9909% | 718 |
| Assets per employee ($millions) | 6.2217% | 2,573 |
| Cash dividends to net income (ytd only)* | 54.0845% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 4,228 |
| Loan loss allowance to noncurrent loans | 162.8319% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 1,914 |
| Noncurrent loans to loans | 0.4200% | 1,669 |
| Net loans and leases to total assets | 58.5700% | 2,769 |
| Net loans and leases to deposits | 64.9575% | 2,954 |
| Net loans and leases to core deposits | 75.3350% | 2,476 |
| Total domestic deposits to total assets | 90.1600% | 1,286 |
| Equity capital to assets | 7.9224% | 3,102 |
| Core capital (leverage) ratio | 10.4016% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $131,255,200 | 3,624 |
| Average earning assets | $116,508,000 | 3,661 |
| Average equity | $11,729,800 | 3,692 |
| Average total loans | $75,867,800 | 3,474 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8524% | 1,608 |
| Cost of funding earning assets | 0.4000% | 1,289 |
| Net interest margin | 3.4523% | 1,799 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.7724% | 1,302 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3809% | 4,267 |
| Return on assets (ROA) | 0.3809% | 4,215 |
| Pretax return on assets | 0.5432% | 4,084 |
| Return on Equity (ROE) | 4.1400% | 4,129 |
| Retained earnings to average equity (ytd only) | 0.9260% | 4,224 |
| Net charge-offs to loans | 0.0518% | 966 |
| Credit loss provision to net charge-offs | 37.9310% | 1,573 |
| Earnings coverage of net charge-offs (x) | 18.6207% | 1,753 |
| Efficiency ratio | 83.3333% | 589 |
| Assets per employee ($millions) | 6.2284% | 2,553 |
| Cash dividends to net income (ytd only)* | 77.6280% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 4,292 |
| Loan loss allowance to noncurrent loans | 223.9669% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,141 |
| Noncurrent loans to loans | 0.3021% | 2,159 |
| Net loans and leases to total assets | 60.8200% | 2,420 |
| Net loans and leases to deposits | 69.7988% | 2,380 |
| Net loans and leases to core deposits | 76.5116% | 2,164 |
| Total domestic deposits to total assets | 87.1400% | 2,716 |
| Equity capital to assets | 8.0055% | 2,893 |
| Core capital (leverage) ratio | 10.4916% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $129,849,750 | 3,659 |
| Average earning assets | $115,320,500 | 3,703 |
| Average equity | $11,951,250 | 3,716 |
| Average total loans | $74,655,750 | 3,506 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 1,529 |
| Cost of funding earning assets | 0.3158% | 1,567 |
| Net interest margin | 3.3872% | 1,642 |
| Noninterest income to average assets | 0.5651% | 1,883 |
| Noninterest expense to average assets | 2.7205% | 1,339 |
| Loan and lease loss provision to assets | 0.0185% | 2,269 |
| Net operating income to assets | 0.5975% | 3,630 |
| Return on assets (ROA) | 0.5975% | 3,576 |
| Pretax return on assets | 0.8399% | 3,232 |
| Return on Equity (ROE) | 6.2195% | 3,525 |
| Retained earnings to average equity (ytd only) | 3.1339% | 3,403 |
| Net charge-offs to loans | 0.0824% | 660 |
| Credit loss provision to net charge-offs | 40.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 18.5333% | 1,577 |
| Efficiency ratio | 76.0138% | 1,281 |
| Assets per employee ($millions) | 6.0715% | 2,678 |
| Cash dividends to net income (ytd only)* | 49.6124% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 4,336 |
| Loan loss allowance to noncurrent loans | 131.2349% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 1,559 |
| Noncurrent loans to loans | 0.5323% | 1,555 |
| Net loans and leases to total assets | 60.4223% | 2,283 |
| Net loans and leases to deposits | 69.7003% | 2,242 |
| Net loans and leases to core deposits | 73.0027% | 2,238 |
| Total domestic deposits to total assets | 86.6887% | 3,041 |
| Equity capital to assets | 8.8046% | 2,529 |
| Core capital (leverage) ratio | 10.7478% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,534,000 | 3,704 |
| Average earning assets | $115,258,667 | 3,759 |
| Average equity | $12,444,667 | 3,740 |
| Average total loans | $72,841,667 | 3,573 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5379% | 1,676 |
| Cost of funding earning assets | 0.2825% | 1,796 |
| Net interest margin | 3.2555% | 1,701 |
| Noninterest income to average assets | 0.5668% | 1,835 |
| Noninterest expense to average assets | 2.6442% | 1,492 |
| Loan and lease loss provision to assets | 0.0368% | 1,700 |
| Net operating income to assets | 0.6312% | 3,298 |
| Return on assets (ROA) | 0.6312% | 3,277 |
| Pretax return on assets | 0.7813% | 3,165 |
| Return on Equity (ROE) | 6.3122% | 3,242 |
| Retained earnings to average equity (ytd only) | 3.3706% | 3,149 |
| Net charge-offs to loans | 0.2043% | 301 |
| Credit loss provision to net charge-offs | 33.3333% | 1,251 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 1,540 |
| Efficiency ratio | 76.3717% | 1,480 |
| Assets per employee ($millions) | 6.3682% | 2,483 |
| Cash dividends to net income (ytd only)* | 46.6019% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 4,348 |
| Loan loss allowance to noncurrent loans | 114.7752% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 1,644 |
| Noncurrent loans to loans | 0.6336% | 1,483 |
| Net loans and leases to total assets | 57.4523% | 2,361 |
| Net loans and leases to deposits | 64.3438% | 2,498 |
| Net loans and leases to core deposits | 67.3028% | 2,509 |
| Total domestic deposits to total assets | 89.2897% | 1,931 |
| Equity capital to assets | 9.7242% | 2,109 |
| Core capital (leverage) ratio | 10.3324% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,550,500 | 3,711 |
| Average earning assets | $116,112,500 | 3,767 |
| Average equity | $13,054,000 | 3,748 |
| Average total loans | $70,472,000 | 3,607 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 2,087 |
| Cost of funding earning assets | 0.3813% | 1,674 |
| Net interest margin | 3.3286% | 2,242 |
| Noninterest income to average assets | 0.5796% | 2,237 |
| Noninterest expense to average assets | 2.7241% | 1,564 |
| Loan and lease loss provision to assets | 0.0369% | 2,304 |
| Net operating income to assets | 0.6696% | 3,699 |
| Return on assets (ROA) | 0.6642% | 3,768 |
| Pretax return on assets | 0.8079% | 3,706 |
| Return on Equity (ROE) | 5.9533% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.1202% | 3,578 |
| Net charge-offs to loans | 0.0815% | 986 |
| Credit loss provision to net charge-offs | 83.3333% | 1,933 |
| Earnings coverage of net charge-offs (x) | 19.2037% | 1,883 |
| Efficiency ratio | 76.1883% | 1,093 |
| Assets per employee ($millions) | 6.6869% | 2,168 |
| Cash dividends to net income (ytd only)* | 47.5896% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 4,204 |
| Loan loss allowance to noncurrent loans | 75.0670% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 1,188 |
| Noncurrent loans to loans | 1.1095% | 878 |
| Net loans and leases to total assets | 49.8549% | 3,297 |
| Net loans and leases to deposits | 56.2070% | 3,399 |
| Net loans and leases to core deposits | 58.6804% | 3,420 |
| Total domestic deposits to total assets | 88.6988% | 1,667 |
| Equity capital to assets | 10.2611% | 2,416 |
| Core capital (leverage) ratio | 10.0530% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,800,200 | 3,779 |
| Average earning assets | $109,625,200 | 3,814 |
| Average equity | $13,589,000 | 3,783 |
| Average total loans | $66,229,200 | 3,723 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 2,016 |
| Cost of funding earning assets | 0.4154% | 1,580 |
| Net interest margin | 3.3827% | 2,203 |
| Noninterest income to average assets | 0.5891% | 2,255 |
| Noninterest expense to average assets | 2.8334% | 1,266 |
| Loan and lease loss provision to assets | 0.0505% | 1,985 |
| Net operating income to assets | 0.6374% | 3,932 |
| Return on assets (ROA) | 0.6318% | 4,001 |
| Pretax return on assets | 0.7507% | 3,984 |
| Return on Equity (ROE) | 5.5376% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.6950% | 4,003 |
| Net charge-offs to loans | 0.1031% | 725 |
| Credit loss provision to net charge-offs | 88.2353% | 1,671 |
| Earnings coverage of net charge-offs (x) | 14.1176% | 1,899 |
| Efficiency ratio | 77.8120% | 889 |
| Assets per employee ($millions) | 5.5560% | 3,139 |
| Cash dividends to net income (ytd only)* | 51.3321% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 4,318 |
| Loan loss allowance to noncurrent loans | 307.6503% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,988 |
| Noncurrent loans to loans | 0.2672% | 2,852 |
| Net loans and leases to total assets | 55.5766% | 2,778 |
| Net loans and leases to deposits | 63.5886% | 2,893 |
| Net loans and leases to core deposits | 77.3672% | 1,929 |
| Total domestic deposits to total assets | 87.4003% | 2,157 |
| Equity capital to assets | 11.2326% | 1,869 |
| Core capital (leverage) ratio | 11.1292% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,815,750 | 3,858 |
| Average earning assets | $107,208,500 | 3,880 |
| Average equity | $13,555,500 | 3,835 |
| Average total loans | $65,977,750 | 3,778 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 2,158 |
| Cost of funding earning assets | 0.4488% | 1,527 |
| Net interest margin | 3.3165% | 2,394 |
| Noninterest income to average assets | 0.5949% | 2,237 |
| Noninterest expense to average assets | 2.8791% | 1,187 |
| Loan and lease loss provision to assets | 0.0765% | 1,560 |
| Net operating income to assets | 0.5598% | 4,074 |
| Return on assets (ROA) | 0.5524% | 4,147 |
| Pretax return on assets | 0.6322% | 4,186 |
| Return on Equity (ROE) | 4.8158% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.9708% | 4,120 |
| Net charge-offs to loans | 0.1167% | 667 |
| Credit loss provision to net charge-offs | 118.4211% | 1,269 |
| Earnings coverage of net charge-offs (x) | 11.1053% | 1,776 |
| Efficiency ratio | 80.0567% | 778 |
| Assets per employee ($millions) | 5.4345% | 3,202 |
| Cash dividends to net income (ytd only)* | 59.0769% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 4,270 |
| Loan loss allowance to noncurrent loans | 336.8421% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,163 |
| Noncurrent loans to loans | 0.2544% | 3,028 |
| Net loans and leases to total assets | 55.7352% | 2,936 |
| Net loans and leases to deposits | 63.8818% | 3,012 |
| Net loans and leases to core deposits | 67.4826% | 3,000 |
| Total domestic deposits to total assets | 87.2474% | 2,195 |
| Equity capital to assets | 11.3625% | 1,721 |
| Core capital (leverage) ratio | 11.0221% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,676,667 | 3,884 |
| Average earning assets | $106,497,333 | 3,908 |
| Average equity | $13,497,333 | 3,842 |
| Average total loans | $65,138,333 | 3,812 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 2,298 |
| Cost of funding earning assets | 0.4748% | 1,563 |
| Net interest margin | 3.2511% | 2,547 |
| Noninterest income to average assets | 0.6065% | 2,177 |
| Noninterest expense to average assets | 2.9537% | 1,057 |
| Loan and lease loss provision to assets | 0.0788% | 1,627 |
| Net operating income to assets | 0.4489% | 4,277 |
| Return on assets (ROA) | 0.4489% | 4,311 |
| Pretax return on assets | 0.5071% | 4,339 |
| Return on Equity (ROE) | 3.8949% | 4,303 |
| Retained earnings to average equity (ytd only) | 1.0406% | 4,207 |
| Net charge-offs to loans | -0.0374% | 4,278 |
| Credit loss provision to net charge-offs | -383.3333% | 3,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4463% | 626 |
| Assets per employee ($millions) | 5.6633% | 2,957 |
| Cash dividends to net income (ytd only)* | 73.2824% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 4,047 |
| Loan loss allowance to noncurrent loans | 141.3712% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 2,341 |
| Noncurrent loans to loans | 0.6660% | 1,910 |
| Net loans and leases to total assets | 52.9042% | 3,358 |
| Net loans and leases to deposits | 60.5322% | 3,444 |
| Net loans and leases to core deposits | 71.3562% | 2,759 |
| Total domestic deposits to total assets | 87.3985% | 2,139 |
| Equity capital to assets | 11.1772% | 1,739 |
| Core capital (leverage) ratio | 11.4177% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,735,000 | 3,892 |
| Average earning assets | $105,318,500 | 3,924 |
| Average equity | $13,453,500 | 3,850 |
| Average total loans | $64,101,000 | 3,841 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 1,408 |
| Cost of funding earning assets | 0.8413% | 1,049 |
| Net interest margin | 3.6194% | 2,077 |
| Noninterest income to average assets | 0.6953% | 1,883 |
| Noninterest expense to average assets | 3.2427% | 982 |
| Loan and lease loss provision to assets | 0.0848% | 3,314 |
| Net operating income to assets | 0.4899% | 4,046 |
| Return on assets (ROA) | 0.8978% | 2,840 |
| Pretax return on assets | 1.0994% | 2,694 |
| Return on Equity (ROE) | 7.2548% | 3,092 |
| Retained earnings to average equity (ytd only) | 4.3315% | 2,636 |
| Net charge-offs to loans | 0.1367% | 1,181 |
| Credit loss provision to net charge-offs | 97.8261% | 2,865 |
| Earnings coverage of net charge-offs (x) | 7.9239% | 2,650 |
| Efficiency ratio | 82.5222% | 716 |
| Assets per employee ($millions) | 4.7725% | 3,636 |
| Cash dividends to net income (ytd only)* | 40.2938% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,248 |
| Loan loss allowance to noncurrent loans | 165.4070% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 2,572 |
| Noncurrent loans to loans | 0.5318% | 2,388 |
| Net loans and leases to total assets | 55.9770% | 3,306 |
| Net loans and leases to deposits | 64.7061% | 3,387 |
| Net loans and leases to core deposits | 73.4164% | 2,963 |
| Total domestic deposits to total assets | 86.5095% | 2,144 |
| Equity capital to assets | 11.8858% | 1,630 |
| Core capital (leverage) ratio | 12.3202% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,146,000 | 3,914 |
| Average earning assets | $94,849,200 | 3,962 |
| Average equity | $13,136,200 | 3,852 |
| Average total loans | $67,320,600 | 3,790 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 1,155 |
| Cost of funding earning assets | 0.9379% | 939 |
| Net interest margin | 3.7244% | 1,861 |
| Noninterest income to average assets | 0.6997% | 1,804 |
| Noninterest expense to average assets | 3.3471% | 846 |
| Loan and lease loss provision to assets | 0.0875% | 3,216 |
| Net operating income to assets | 0.4960% | 4,053 |
| Return on assets (ROA) | 0.8522% | 3,026 |
| Pretax return on assets | 1.0072% | 3,047 |
| Return on Equity (ROE) | 6.8116% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.8616% | 3,113 |
| Net charge-offs to loans | 0.0628% | 1,707 |
| Credit loss provision to net charge-offs | 209.3750% | 2,075 |
| Earnings coverage of net charge-offs (x) | 16.4688% | 2,057 |
| Efficiency ratio | 83.2112% | 659 |
| Assets per employee ($millions) | 4.4595% | 3,893 |
| Cash dividends to net income (ytd only)* | 43.3083% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,981 |
| Loan loss allowance to noncurrent loans | 156.9948% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 2,625 |
| Noncurrent loans to loans | 0.5919% | 2,318 |
| Net loans and leases to total assets | 62.9933% | 2,889 |
| Net loans and leases to deposits | 74.0816% | 2,948 |
| Net loans and leases to core deposits | 91.6156% | 1,828 |
| Total domestic deposits to total assets | 85.0324% | 2,420 |
| Equity capital to assets | 13.2107% | 1,103 |
| Core capital (leverage) ratio | 12.1724% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,047,500 | 3,941 |
| Average earning assets | $92,827,250 | 3,987 |
| Average equity | $13,016,750 | 3,866 |
| Average total loans | $67,979,500 | 3,789 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,569 |
| Cost of funding earning assets | 1.0227% | 919 |
| Net interest margin | 3.6159% | 2,432 |
| Noninterest income to average assets | 0.6887% | 1,783 |
| Noninterest expense to average assets | 3.3805% | 877 |
| Loan and lease loss provision to assets | 0.0861% | 3,204 |
| Net operating income to assets | 0.3718% | 4,286 |
| Return on assets (ROA) | 0.8973% | 2,820 |
| Pretax return on assets | 1.0675% | 2,812 |
| Return on Equity (ROE) | 7.3059% | 3,006 |
| Retained earnings to average equity (ytd only) | 4.3150% | 2,773 |
| Net charge-offs to loans | 0.0290% | 2,138 |
| Credit loss provision to net charge-offs | 450.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,485 |
| Efficiency ratio | 86.4905% | 519 |
| Assets per employee ($millions) | 4.1764% | 4,127 |
| Cash dividends to net income (ytd only)* | 40.9382% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 4,113 |
| Loan loss allowance to noncurrent loans | 281.8605% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,423 |
| Noncurrent loans to loans | 0.3098% | 3,274 |
| Net loans and leases to total assets | 65.8887% | 2,643 |
| Net loans and leases to deposits | 76.8857% | 2,768 |
| Net loans and leases to core deposits | 92.1975% | 1,886 |
| Total domestic deposits to total assets | 85.6969% | 2,125 |
| Equity capital to assets | 12.6625% | 1,306 |
| Core capital (leverage) ratio | 11.8779% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,540,667 | 3,930 |
| Average earning assets | $93,088,667 | 3,980 |
| Average equity | $12,839,000 | 3,893 |
| Average total loans | $68,900,333 | 3,777 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 1,747 |
| Cost of funding earning assets | 1.0110% | 1,375 |
| Net interest margin | 3.6768% | 2,413 |
| Noninterest income to average assets | 0.8183% | 1,259 |
| Noninterest expense to average assets | 3.4262% | 1,033 |
| Loan and lease loss provision to assets | 0.0841% | 2,642 |
| Net operating income to assets | 0.4818% | 3,941 |
| Return on assets (ROA) | 0.4818% | 3,995 |
| Pretax return on assets | 0.5621% | 3,998 |
| Return on Equity (ROE) | 3.9848% | 3,956 |
| Retained earnings to average equity (ytd only) | 0.9488% | 3,758 |
| Net charge-offs to loans | 0.0466% | 1,552 |
| Credit loss provision to net charge-offs | 275.0000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 21.1250% | 1,394 |
| Efficiency ratio | 84.1315% | 825 |
| Assets per employee ($millions) | 3.9432% | 4,005 |
| Cash dividends to net income (ytd only)* | 76.1905% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 4,184 |
| Loan loss allowance to noncurrent loans | 179.4479% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 3,093 |
| Noncurrent loans to loans | 0.4908% | 2,791 |
| Net loans and leases to total assets | 64.2172% | 3,043 |
| Net loans and leases to deposits | 74.5516% | 3,213 |
| Net loans and leases to core deposits | 101.5830% | 1,355 |
| Total domestic deposits to total assets | 86.1379% | 1,951 |
| Equity capital to assets | 12.4537% | 1,762 |
| Core capital (leverage) ratio | 12.1442% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,605,500 | 3,921 |
| Average earning assets | $92,580,500 | 3,993 |
| Average equity | $12,648,000 | 3,924 |
| Average total loans | $68,650,000 | 3,790 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 2,280 |
| Cost of funding earning assets | 1.1253% | 1,238 |
| Net interest margin | 3.5916% | 3,160 |
| Noninterest income to average assets | 0.8498% | 1,297 |
| Noninterest expense to average assets | 3.0681% | 1,835 |
| Loan and lease loss provision to assets | 0.1419% | 1,504 |
| Net operating income to assets | 0.7286% | 3,769 |
| Return on assets (ROA) | 0.7325% | 3,827 |
| Pretax return on assets | 0.8708% | 3,820 |
| Return on Equity (ROE) | 6.6607% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.6489% | 3,169 |
| Net charge-offs to loans | 0.1697% | 1,189 |
| Credit loss provision to net charge-offs | 125.8065% | 2,032 |
| Earnings coverage of net charge-offs (x) | 8.9355% | 2,718 |
| Efficiency ratio | 75.2679% | 1,453 |
| Assets per employee ($millions) | 4.4453% | 3,309 |
| Cash dividends to net income (ytd only)* | 45.2174% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 4,287 |
| Loan loss allowance to noncurrent loans | 261.9266% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 3,013 |
| Noncurrent loans to loans | 0.3076% | 3,337 |
| Net loans and leases to total assets | 65.8993% | 2,965 |
| Net loans and leases to deposits | 75.8916% | 3,195 |
| Net loans and leases to core deposits | 86.6125% | 2,742 |
| Total domestic deposits to total assets | 86.8334% | 1,695 |
| Equity capital to assets | 11.7428% | 2,321 |
| Core capital (leverage) ratio | 11.4813% | 2,124 |
| Tier 1 risk-based capital ratio | 18.4647% | 1,643 |
| Total risk-based capital ratio | 19.3157% | 1,701 |
| Memoranda: | ||
| Average total assets | $109,903,400 | 3,835 |
| Average earning assets | $98,731,400 | 3,894 |
| Average equity | $12,085,800 | 3,989 |
| Average total loans | $73,083,600 | 3,716 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 2,788 |
| Cost of funding earning assets | 1.1447% | 1,192 |
| Net interest margin | 3.4354% | 3,774 |
| Noninterest income to average assets | 0.8346% | 1,316 |
| Noninterest expense to average assets | 3.0759% | 1,764 |
| Loan and lease loss provision to assets | 0.1614% | 1,155 |
| Net operating income to assets | 0.5688% | 4,373 |
| Return on assets (ROA) | 0.5588% | 4,442 |
| Pretax return on assets | 0.6720% | 4,407 |
| Return on Equity (ROE) | 5.1661% | 4,285 |
| Retained earnings to average equity (ytd only) | 2.1266% | 4,228 |
| Net charge-offs to loans | 0.1956% | 888 |
| Credit loss provision to net charge-offs | 124.0741% | 1,896 |
| Earnings coverage of net charge-offs (x) | 6.4999% | 2,832 |
| Efficiency ratio | 78.4398% | 1,059 |
| Assets per employee ($millions) | 4.1260% | 3,719 |
| Cash dividends to net income (ytd only)* | 58.8362% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7700% | 4,491 |
| Loan loss allowance to noncurrent loans | 43.8324% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 886 |
| Noncurrent loans to loans | 1.7568% | 821 |
| Net loans and leases to total assets | 67.8692% | 2,805 |
| Net loans and leases to deposits | 83.1512% | 2,549 |
| Net loans and leases to core deposits | 109.3525% | 976 |
| Total domestic deposits to total assets | 81.6214% | 3,581 |
| Equity capital to assets | 11.6195% | 2,580 |
| Core capital (leverage) ratio | 11.9983% | 1,853 |
| Tier 1 risk-based capital ratio | 18.6127% | 1,661 |
| Total risk-based capital ratio | 19.4198% | 1,729 |
| Memoranda: | ||
| Average total assets | $110,707,500 | 3,865 |
| Average earning assets | $99,471,250 | 3,914 |
| Average equity | $11,975,250 | 4,042 |
| Average total loans | $73,635,250 | 3,748 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 3,097 |
| Cost of funding earning assets | 1.0624% | 1,441 |
| Net interest margin | 3.4098% | 3,865 |
| Noninterest income to average assets | 0.7778% | 1,417 |
| Noninterest expense to average assets | 3.1023% | 1,726 |
| Loan and lease loss provision to assets | 0.1985% | 865 |
| Net operating income to assets | 0.4792% | 4,573 |
| Return on assets (ROA) | 0.4792% | 4,607 |
| Pretax return on assets | 0.5472% | 4,630 |
| Return on Equity (ROE) | 4.5378% | 4,459 |
| Retained earnings to average equity (ytd only) | 1.4561% | 4,304 |
| Net charge-offs to loans | 0.1275% | 1,179 |
| Credit loss provision to net charge-offs | 236.1702% | 1,067 |
| Earnings coverage of net charge-offs (x) | 8.8723% | 2,377 |
| Efficiency ratio | 80.6227% | 917 |
| Assets per employee ($millions) | 4.0024% | 3,857 |
| Cash dividends to net income (ytd only)* | 67.9104% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 4,387 |
| Loan loss allowance to noncurrent loans | 40.4155% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 778 |
| Noncurrent loans to loans | 2.0172% | 704 |
| Net loans and leases to total assets | 67.8869% | 2,828 |
| Net loans and leases to deposits | 84.9510% | 2,371 |
| Net loans and leases to core deposits | 116.4402% | 666 |
| Total domestic deposits to total assets | 79.9130% | 4,055 |
| Equity capital to assets | 11.2664% | 2,803 |
| Core capital (leverage) ratio | 12.0600% | 1,792 |
| Tier 1 risk-based capital ratio | 18.2527% | 1,738 |
| Total risk-based capital ratio | 19.1141% | 1,792 |
| Memoranda: | ||
| Average total assets | $111,851,000 | 3,871 |
| Average earning assets | $100,710,670 | 3,921 |
| Average equity | $11,812,000 | 4,072 |
| Average total loans | $73,722,670 | 3,771 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 3,270 |
| Cost of funding earning assets | 1.0282% | 1,451 |
| Net interest margin | 3.3612% | 4,003 |
| Noninterest income to average assets | 0.7526% | 1,423 |
| Noninterest expense to average assets | 3.1052% | 1,723 |
| Loan and lease loss provision to assets | 0.1969% | 824 |
| Net operating income to assets | 0.4357% | 4,658 |
| Return on assets (ROA) | 0.3693% | 4,800 |
| Pretax return on assets | 0.4115% | 4,823 |
| Return on Equity (ROE) | 3.6112% | 4,660 |
| Retained earnings to average equity (ytd only) | 0.4815% | 4,437 |
| Net charge-offs to loans | 0.1196% | 1,026 |
| Credit loss provision to net charge-offs | 254.5455% | 912 |
| Earnings coverage of net charge-offs (x) | 8.8182% | 2,065 |
| Efficiency ratio | 81.9870% | 876 |
| Assets per employee ($millions) | 4.1867% | 3,645 |
| Cash dividends to net income (ytd only)* | 86.6667% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7867% | 4,561 |
| Loan loss allowance to noncurrent loans | 42.3390% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3238% | 976 |
| Noncurrent loans to loans | 1.8580% | 824 |
| Net loans and leases to total assets | 66.2707% | 3,015 |
| Net loans and leases to deposits | 75.4079% | 3,316 |
| Net loans and leases to core deposits | 101.3402% | 1,513 |
| Total domestic deposits to total assets | 87.8830% | 1,401 |
| Equity capital to assets | 10.9026% | 2,947 |
| Core capital (leverage) ratio | 11.2823% | 2,308 |
| Tier 1 risk-based capital ratio | 18.1081% | 1,767 |
| Total risk-based capital ratio | 18.9407% | 1,841 |
| Memoranda: | ||
| Average total assets | $113,744,000 | 3,883 |
| Average earning assets | $102,702,500 | 3,929 |
| Average equity | $11,630,500 | 4,110 |
| Average total loans | $73,601,500 | 3,809 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 2,460 |
| Cost of funding earning assets | 0.9397% | 968 |
| Net interest margin | 3.5604% | 3,512 |
| Noninterest income to average assets | 0.8925% | 1,192 |
| Noninterest expense to average assets | 3.1114% | 1,771 |
| Loan and lease loss provision to assets | 0.1266% | 1,730 |
| Net operating income to assets | 0.8060% | 3,786 |
| Return on assets (ROA) | 0.4113% | 4,834 |
| Pretax return on assets | 0.4427% | 4,883 |
| Return on Equity (ROE) | 4.2108% | 4,654 |
| Retained earnings to average equity (ytd only) | 0.9387% | 4,717 |
| Net charge-offs to loans | 0.2473% | 779 |
| Credit loss provision to net charge-offs | 78.3784% | 2,890 |
| Earnings coverage of net charge-offs (x) | 6.1514% | 3,120 |
| Efficiency ratio | 75.7924% | 1,394 |
| Assets per employee ($millions) | 4.7453% | 2,818 |
| Cash dividends to net income (ytd only)* | 77.7070% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 4,752 |
| Loan loss allowance to noncurrent loans | 134.0796% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 2,805 |
| Noncurrent loans to loans | 0.5397% | 2,656 |
| Net loans and leases to total assets | 62.3376% | 3,531 |
| Net loans and leases to deposits | 69.9042% | 3,835 |
| Net loans and leases to core deposits | 81.8508% | 3,276 |
| Total domestic deposits to total assets | 89.1759% | 789 |
| Equity capital to assets | 9.6036% | 4,041 |
| Core capital (leverage) ratio | 10.2646% | 3,290 |
| Tier 1 risk-based capital ratio | 16.5401% | 2,229 |
| Total risk-based capital ratio | 17.2845% | 2,332 |
| Memoranda: | ||
| Average total assets | $114,515,400 | 3,879 |
| Average earning assets | $103,330,600 | 3,925 |
| Average equity | $11,185,600 | 4,136 |
| Average total loans | $74,808,400 | 3,777 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 2,366 |
| Cost of funding earning assets | 0.8920% | 957 |
| Net interest margin | 3.5873% | 3,409 |
| Noninterest income to average assets | 0.8811% | 1,249 |
| Noninterest expense to average assets | 3.1815% | 1,565 |
| Loan and lease loss provision to assets | 0.1046% | 1,922 |
| Net operating income to assets | 0.7968% | 3,913 |
| Return on assets (ROA) | 0.3807% | 4,986 |
| Pretax return on assets | 0.3983% | 5,032 |
| Return on Equity (ROE) | 3.8800% | 4,844 |
| Retained earnings to average equity (ytd only) | 0.5868% | 4,934 |
| Net charge-offs to loans | 0.2617% | 637 |
| Credit loss provision to net charge-offs | 60.5442% | 2,742 |
| Earnings coverage of net charge-offs (x) | 5.4216% | 2,960 |
| Efficiency ratio | 77.2611% | 1,201 |
| Assets per employee ($millions) | 4.2340% | 3,523 |
| Cash dividends to net income (ytd only)* | 84.8770% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 4,931 |
| Loan loss allowance to noncurrent loans | 97.2015% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,811 |
| Noncurrent loans to loans | 0.6913% | 2,349 |
| Net loans and leases to total assets | 67.3711% | 3,026 |
| Net loans and leases to deposits | 85.0389% | 2,471 |
| Net loans and leases to core deposits | 100.2330% | 1,771 |
| Total domestic deposits to total assets | 79.2239% | 4,274 |
| Equity capital to assets | 9.6677% | 3,941 |
| Core capital (leverage) ratio | 10.4692% | 3,116 |
| Tier 1 risk-based capital ratio | 16.2321% | 2,364 |
| Total risk-based capital ratio | 16.9401% | 2,509 |
| Memoranda: | ||
| Average total assets | $113,486,000 | 3,933 |
| Average earning assets | $102,394,500 | 3,981 |
| Average equity | $11,133,750 | 4,182 |
| Average total loans | $74,887,500 | 3,812 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 2,465 |
| Cost of funding earning assets | 0.7731% | 1,267 |
| Net interest margin | 3.6130% | 3,264 |
| Noninterest income to average assets | 0.8904% | 1,209 |
| Noninterest expense to average assets | 3.1959% | 1,539 |
| Loan and lease loss provision to assets | 0.0795% | 2,317 |
| Net operating income to assets | 0.8135% | 3,813 |
| Return on assets (ROA) | 0.4028% | 4,960 |
| Pretax return on assets | 0.4346% | 5,009 |
| Return on Equity (ROE) | 4.0857% | 4,793 |
| Retained earnings to average equity (ytd only) | 0.8064% | 4,805 |
| Net charge-offs to loans | 0.2432% | 651 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 6.0111% | 2,666 |
| Efficiency ratio | 76.9787% | 1,320 |
| Assets per employee ($millions) | 4.2135% | 3,560 |
| Cash dividends to net income (ytd only)* | 80.2632% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 4,928 |
| Loan loss allowance to noncurrent loans | 201.5094% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,704 |
| Noncurrent loans to loans | 0.3521% | 3,437 |
| Net loans and leases to total assets | 65.6828% | 3,192 |
| Net loans and leases to deposits | 82.0223% | 2,768 |
| Net loans and leases to core deposits | 104.9288% | 1,318 |
| Total domestic deposits to total assets | 80.0791% | 4,218 |
| Equity capital to assets | 9.7719% | 3,851 |
| Core capital (leverage) ratio | 10.7643% | 2,741 |
| Tier 1 risk-based capital ratio | 16.6987% | 2,195 |
| Total risk-based capital ratio | 17.4469% | 2,313 |
| Memoranda: | ||
| Average total assets | $113,208,330 | 3,966 |
| Average earning assets | $102,187,330 | 4,014 |
| Average equity | $11,161,000 | 4,214 |
| Average total loans | $74,003,670 | 3,849 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,465 |
| Cost of funding earning assets | 0.7059% | 1,408 |
| Net interest margin | 3.6080% | 3,141 |
| Noninterest income to average assets | 0.9245% | 1,088 |
| Noninterest expense to average assets | 3.1453% | 1,700 |
| Loan and lease loss provision to assets | 0.0815% | 2,161 |
| Net operating income to assets | 0.7949% | 3,722 |
| Return on assets (ROA) | 0.4392% | 4,847 |
| Pretax return on assets | 0.5278% | 4,832 |
| Return on Equity (ROE) | 4.4353% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.1446% | 4,589 |
| Net charge-offs to loans | 0.1526% | 920 |
| Credit loss provision to net charge-offs | 82.1429% | 1,729 |
| Earnings coverage of net charge-offs (x) | 10.4643% | 1,898 |
| Efficiency ratio | 75.1905% | 1,720 |
| Assets per employee ($millions) | 3.9293% | 4,102 |
| Cash dividends to net income (ytd only)* | 74.1935% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 4,853 |
| Loan loss allowance to noncurrent loans | 146.4286% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 3,267 |
| Noncurrent loans to loans | 0.5285% | 2,939 |
| Net loans and leases to total assets | 66.8924% | 2,907 |
| Net loans and leases to deposits | 77.1113% | 3,106 |
| Net loans and leases to core deposits | 87.5506% | 2,676 |
| Total domestic deposits to total assets | 86.7479% | 2,221 |
| Equity capital to assets | 10.0427% | 3,551 |
| Core capital (leverage) ratio | 10.8209% | 2,612 |
| Tier 1 risk-based capital ratio | 16.8340% | 2,168 |
| Total risk-based capital ratio | 17.6458% | 2,263 |
| Memoranda: | ||
| Average total assets | $112,930,000 | 4,012 |
| Average earning assets | $101,995,500 | 4,060 |
| Average equity | $11,183,000 | 4,249 |
| Average total loans | $73,376,500 | 3,895 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 2,526 |
| Cost of funding earning assets | 0.7040% | 1,000 |
| Net interest margin | 3.5384% | 3,383 |
| Noninterest income to average assets | 0.9030% | 1,259 |
| Noninterest expense to average assets | 3.1903% | 1,629 |
| Loan and lease loss provision to assets | 0.0274% | 3,734 |
| Net operating income to assets | 0.6537% | 3,804 |
| Return on assets (ROA) | 0.5773% | 4,144 |
| Pretax return on assets | 0.7420% | 4,407 |
| Return on Equity (ROE) | 5.5663% | 3,939 |
| Retained earnings to average equity (ytd only) | -2.0554% | 5,287 |
| Net charge-offs to loans | 0.2895% | 906 |
| Credit loss provision to net charge-offs | 15.1515% | 3,636 |
| Earnings coverage of net charge-offs (x) | 4.7879% | 3,411 |
| Efficiency ratio | 78.6246% | 1,265 |
| Assets per employee ($millions) | 3.9976% | 3,963 |
| Cash dividends to net income (ytd only)* | 136.9255% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 4,840 |
| Loan loss allowance to noncurrent loans | 95.3871% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 2,710 |
| Noncurrent loans to loans | 0.8363% | 2,133 |
| Net loans and leases to total assets | 62.1108% | 3,606 |
| Net loans and leases to deposits | 71.1688% | 3,778 |
| Net loans and leases to core deposits | 77.2793% | 3,645 |
| Total domestic deposits to total assets | 87.2725% | 1,870 |
| Equity capital to assets | 9.8396% | 3,878 |
| Core capital (leverage) ratio | 10.3170% | 3,053 |
| Tier 1 risk-based capital ratio | 15.6976% | 2,551 |
| Total risk-based capital ratio | 16.4632% | 2,672 |
| Memoranda: | ||
| Average total assets | $109,300,600 | 4,076 |
| Average earning assets | $97,443,800 | 4,140 |
| Average equity | $11,336,000 | 4,246 |
| Average total loans | $68,399,200 | 4,003 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,569 |
| Cost of funding earning assets | 0.6096% | 1,463 |
| Net interest margin | 3.6022% | 3,140 |
| Noninterest income to average assets | 0.8906% | 1,301 |
| Noninterest expense to average assets | 3.3616% | 1,222 |
| Loan and lease loss provision to assets | 0.0099% | 3,937 |
| Net operating income to assets | 0.5648% | 4,529 |
| Return on assets (ROA) | 0.5648% | 4,566 |
| Pretax return on assets | 0.7246% | 4,544 |
| Return on Equity (ROE) | 5.3717% | 4,383 |
| Retained earnings to average equity (ytd only) | -2.6623% | 5,464 |
| Net charge-offs to loans | 0.3286% | 639 |
| Credit loss provision to net charge-offs | 4.8193% | 3,252 |
| Earnings coverage of net charge-offs (x) | 3.5723% | 3,324 |
| Efficiency ratio | 82.0683% | 909 |
| Assets per employee ($millions) | 4.0763% | 3,858 |
| Cash dividends to net income (ytd only)* | 149.5625% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 4,906 |
| Loan loss allowance to noncurrent loans | 52.3556% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 1,674 |
| Noncurrent loans to loans | 1.5201% | 1,227 |
| Net loans and leases to total assets | 64.3247% | 3,345 |
| Net loans and leases to deposits | 79.1473% | 3,052 |
| Net loans and leases to core deposits | 99.4972% | 1,749 |
| Total domestic deposits to total assets | 81.2722% | 3,977 |
| Equity capital to assets | 10.0959% | 3,807 |
| Core capital (leverage) ratio | 10.6627% | 2,811 |
| Tier 1 risk-based capital ratio | 16.0774% | 2,469 |
| Total risk-based capital ratio | 16.8747% | 2,603 |
| Memoranda: | ||
| Average total assets | $107,643,250 | 4,147 |
| Average earning assets | $95,791,750 | 4,209 |
| Average equity | $11,318,250 | 4,294 |
| Average total loans | $67,353,000 | 4,054 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 2,733 |
| Cost of funding earning assets | 0.6215% | 1,323 |
| Net interest margin | 3.5089% | 3,366 |
| Noninterest income to average assets | 0.9234% | 1,206 |
| Noninterest expense to average assets | 3.4054% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5157% | 4,667 |
| Return on assets (ROA) | 0.5157% | 4,699 |
| Pretax return on assets | 0.6333% | 4,734 |
| Return on Equity (ROE) | 4.8356% | 4,544 |
| Retained earnings to average equity (ytd only) | -5.8667% | 5,566 |
| Net charge-offs to loans | 0.2364% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.3377% | 2,943 |
| Efficiency ratio | 84.3192% | 818 |
| Assets per employee ($millions) | 3.9525% | 4,034 |
| Cash dividends to net income (ytd only)* | 221.3235% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 4,479 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 1,729 |
| Noncurrent loans to loans | 1.5010% | 1,252 |
| Net loans and leases to total assets | 63.9288% | 3,394 |
| Net loans and leases to deposits | 76.2861% | 3,310 |
| Net loans and leases to core deposits | 94.6273% | 2,098 |
| Total domestic deposits to total assets | 83.8014% | 3,282 |
| Equity capital to assets | 10.3479% | 3,516 |
| Core capital (leverage) ratio | 10.8621% | 2,539 |
| Tier 1 risk-based capital ratio | 16.5080% | 2,320 |
| Total risk-based capital ratio | 17.4475% | 2,369 |
| Memoranda: | ||
| Average total assets | $105,479,330 | 4,217 |
| Average earning assets | $93,648,330 | 4,273 |
| Average equity | $11,250,000 | 4,316 |
| Average total loans | $65,135,330 | 4,122 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 2,928 |
| Cost of funding earning assets | 0.5500% | 1,713 |
| Net interest margin | 3.4804% | 3,350 |
| Noninterest income to average assets | 0.9953% | 1,014 |
| Noninterest expense to average assets | 3.4019% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5676% | 4,293 |
| Return on assets (ROA) | 0.5676% | 4,337 |
| Pretax return on assets | 0.6687% | 4,535 |
| Return on Equity (ROE) | 5.2381% | 4,283 |
| Retained earnings to average equity (ytd only) | -13.5976% | 5,649 |
| Net charge-offs to loans | 0.1678% | 971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,202 |
| Efficiency ratio | 83.5721% | 1,013 |
| Assets per employee ($millions) | 3.7338% | 4,441 |
| Cash dividends to net income (ytd only)* | 359.5890% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,774 |
| Loan loss allowance to noncurrent loans | 271.0526% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,890 |
| Noncurrent loans to loans | 0.4016% | 3,656 |
| Net loans and leases to total assets | 62.6633% | 3,445 |
| Net loans and leases to deposits | 77.5272% | 3,027 |
| Net loans and leases to core deposits | 85.6254% | 2,754 |
| Total domestic deposits to total assets | 80.8276% | 4,455 |
| Equity capital to assets | 10.5475% | 3,135 |
| Core capital (leverage) ratio | 10.3799% | 3,029 |
| Tier 1 risk-based capital ratio | 15.7377% | 2,648 |
| Total risk-based capital ratio | 16.8363% | 2,654 |
| Memoranda: | ||
| Average total assets | $102,884,000 | 4,302 |
| Average earning assets | $90,909,500 | 4,372 |
| Average equity | $11,149,000 | 4,358 |
| Average total loans | $61,993,000 | 4,244 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 2,965 |
| Cost of funding earning assets | 0.5879% | 1,430 |
| Net interest margin | 3.4791% | 3,510 |
| Noninterest income to average assets | 0.9832% | 1,190 |
| Noninterest expense to average assets | 3.6082% | 1,004 |
| Loan and lease loss provision to assets | 0.0205% | 3,959 |
| Net operating income to assets | 0.2655% | 5,290 |
| Return on assets (ROA) | 0.5774% | 4,414 |
| Pretax return on assets | 0.8794% | 3,917 |
| Return on Equity (ROE) | 4.6881% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.1428% | 4,838 |
| Net charge-offs to loans | 0.1450% | 1,811 |
| Credit loss provision to net charge-offs | 24.0964% | 3,640 |
| Earnings coverage of net charge-offs (x) | 5.0120% | 3,406 |
| Efficiency ratio | 89.4094% | 594 |
| Assets per employee ($millions) | 3.7490% | 4,396 |
| Cash dividends to net income (ytd only)* | 75.6228% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,582 |
| Loan loss allowance to noncurrent loans | 231.2693% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 3,643 |
| Noncurrent loans to loans | 0.5593% | 3,168 |
| Net loans and leases to total assets | 56.3178% | 4,237 |
| Net loans and leases to deposits | 65.0360% | 4,332 |
| Net loans and leases to core deposits | 70.6806% | 4,185 |
| Total domestic deposits to total assets | 86.5948% | 2,336 |
| Equity capital to assets | 11.1349% | 2,498 |
| Core capital (leverage) ratio | 9.7974% | 3,753 |
| Tier 1 risk-based capital ratio | 15.8258% | 2,619 |
| Total risk-based capital ratio | 16.9582% | 2,593 |
| Memoranda: | ||
| Average total assets | $97,334,600 | 4,401 |
| Average earning assets | $85,394,800 | 4,490 |
| Average equity | $11,987,800 | 4,253 |
| Average total loans | $57,226,200 | 4,372 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,083 |
| Cost of funding earning assets | 0.6086% | 1,267 |
| Net interest margin | 3.4292% | 3,742 |
| Noninterest income to average assets | 0.9893% | 1,167 |
| Noninterest expense to average assets | 3.6223% | 968 |
| Loan and lease loss provision to assets | 0.0277% | 3,684 |
| Net operating income to assets | 0.2341% | 5,413 |
| Return on assets (ROA) | 0.6669% | 4,135 |
| Pretax return on assets | 0.9851% | 3,685 |
| Return on Equity (ROE) | 5.2819% | 4,395 |
| Retained earnings to average equity (ytd only) | 1.5232% | 4,903 |
| Net charge-offs to loans | 0.1635% | 1,395 |
| Credit loss provision to net charge-offs | 28.5714% | 3,234 |
| Earnings coverage of net charge-offs (x) | 3.8858% | 3,349 |
| Efficiency ratio | 90.5882% | 536 |
| Assets per employee ($millions) | 3.6180% | 4,614 |
| Cash dividends to net income (ytd only)* | 71.1616% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,541 |
| Loan loss allowance to noncurrent loans | 463.4146% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,360 |
| Noncurrent loans to loans | 0.2862% | 4,242 |
| Net loans and leases to total assets | 57.8840% | 4,109 |
| Net loans and leases to deposits | 69.7704% | 4,008 |
| Net loans and leases to core deposits | 79.0250% | 3,548 |
| Total domestic deposits to total assets | 82.9636% | 3,615 |
| Equity capital to assets | 12.4246% | 1,825 |
| Core capital (leverage) ratio | 12.3171% | 1,475 |
| Tier 1 risk-based capital ratio | 18.8758% | 1,697 |
| Total risk-based capital ratio | 20.0608% | 1,673 |
| Memoranda: | ||
| Average total assets | $96,362,750 | 4,455 |
| Average earning assets | $84,566,750 | 4,541 |
| Average equity | $12,167,000 | 4,260 |
| Average total loans | $57,094,500 | 4,404 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 3,285 |
| Cost of funding earning assets | 0.5962% | 1,342 |
| Net interest margin | 3.3904% | 3,931 |
| Noninterest income to average assets | 0.9946% | 1,131 |
| Noninterest expense to average assets | 3.6092% | 998 |
| Loan and lease loss provision to assets | 0.0417% | 3,315 |
| Net operating income to assets | 0.2338% | 5,463 |
| Return on assets (ROA) | 0.8007% | 3,445 |
| Pretax return on assets | 1.1530% | 2,977 |
| Return on Equity (ROE) | 6.3070% | 3,900 |
| Retained earnings to average equity (ytd only) | 2.0202% | 4,551 |
| Net charge-offs to loans | 0.1964% | 1,166 |
| Credit loss provision to net charge-offs | 35.7143% | 2,810 |
| Earnings coverage of net charge-offs (x) | 3.1964% | 3,156 |
| Efficiency ratio | 90.6283% | 568 |
| Assets per employee ($millions) | 3.6641% | 4,502 |
| Cash dividends to net income (ytd only)* | 67.9688% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,590 |
| Loan loss allowance to noncurrent loans | 109.4767% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 2,263 |
| Noncurrent loans to loans | 1.2207% | 1,877 |
| Net loans and leases to total assets | 57.7610% | 4,140 |
| Net loans and leases to deposits | 75.1417% | 3,469 |
| Net loans and leases to core deposits | 79.2585% | 3,526 |
| Total domestic deposits to total assets | 76.8695% | 5,178 |
| Equity capital to assets | 12.3441% | 1,873 |
| Core capital (leverage) ratio | 12.5829% | 1,312 |
| Tier 1 risk-based capital ratio | 18.9320% | 1,704 |
| Total risk-based capital ratio | 20.1441% | 1,682 |
| Memoranda: | ||
| Average total assets | $95,922,000 | 4,500 |
| Average earning assets | $84,533,330 | 4,578 |
| Average equity | $12,177,000 | 4,289 |
| Average total loans | $57,024,670 | 4,436 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 3,238 |
| Cost of funding earning assets | 0.5373% | 1,812 |
| Net interest margin | 3.4587% | 3,627 |
| Noninterest income to average assets | 0.9405% | 1,207 |
| Noninterest expense to average assets | 3.6518% | 959 |
| Loan and lease loss provision to assets | 0.0424% | 3,075 |
| Net operating income to assets | 0.2032% | 5,519 |
| Return on assets (ROA) | 1.3048% | 1,320 |
| Pretax return on assets | 1.9700% | 606 |
| Return on Equity (ROE) | 10.1320% | 1,935 |
| Retained earnings to average equity (ytd only) | 4.2436% | 3,356 |
| Net charge-offs to loans | 0.2404% | 851 |
| Credit loss provision to net charge-offs | 29.4118% | 2,230 |
| Earnings coverage of net charge-offs (x) | 2.3824% | 2,687 |
| Efficiency ratio | 91.4104% | 586 |
| Assets per employee ($millions) | 3.3913% | 4,990 |
| Cash dividends to net income (ytd only)* | 58.1169% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 2,342 |
| Loan loss allowance to noncurrent loans | 76.9833% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 1,927 |
| Noncurrent loans to loans | 1.8419% | 1,203 |
| Net loans and leases to total assets | 59.6789% | 3,823 |
| Net loans and leases to deposits | 72.6102% | 3,588 |
| Net loans and leases to core deposits | 76.2804% | 3,653 |
| Total domestic deposits to total assets | 82.1908% | 4,155 |
| Equity capital to assets | 13.2714% | 1,282 |
| Core capital (leverage) ratio | 13.0108% | 1,155 |
| Tier 1 risk-based capital ratio | 19.8363% | 1,539 |
| Total risk-based capital ratio | 21.0860% | 1,505 |
| Memoranda: | ||
| Average total assets | $94,418,000 | 4,568 |
| Average earning assets | $83,385,000 | 4,636 |
| Average equity | $12,159,500 | 4,308 |
| Average total loans | $56,578,500 | 4,486 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,471 |
| Cost of funding earning assets | 0.5502% | 1,752 |
| Net interest margin | 3.6754% | 2,851 |
| Noninterest income to average assets | 0.9916% | 1,199 |
| Noninterest expense to average assets | 3.5786% | 1,172 |
| Loan and lease loss provision to assets | 0.3439% | 438 |
| Net operating income to assets | 0.2871% | 5,396 |
| Return on assets (ROA) | 0.6028% | 4,356 |
| Pretax return on assets | 0.7167% | 4,482 |
| Return on Equity (ROE) | 4.9060% | 4,551 |
| Retained earnings to average equity (ytd only) | 1.3343% | 4,965 |
| Net charge-offs to loans | 0.4351% | 635 |
| Credit loss provision to net charge-offs | 128.8390% | 2,030 |
| Earnings coverage of net charge-offs (x) | 2.5655% | 3,875 |
| Efficiency ratio | 83.9390% | 1,186 |
| Assets per employee ($millions) | 3.6064% | 4,629 |
| Cash dividends to net income (ytd only)* | 72.8027% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 3,591 |
| Loan loss allowance to noncurrent loans | 53.5377% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.3063% | 1,628 |
| Noncurrent loans to loans | 2.2035% | 900 |
| Net loans and leases to total assets | 58.5840% | 4,009 |
| Net loans and leases to deposits | 68.8218% | 4,047 |
| Net loans and leases to core deposits | 72.1194% | 4,122 |
| Total domestic deposits to total assets | 85.1242% | 3,031 |
| Equity capital to assets | 12.5805% | 1,579 |
| Core capital (leverage) ratio | 12.4790% | 1,359 |
| Tier 1 risk-based capital ratio | 18.9189% | 1,721 |
| Total risk-based capital ratio | 19.9881% | 1,722 |
| Memoranda: | ||
| Average total assets | $100,038,000 | 4,463 |
| Average earning assets | $89,052,200 | 4,523 |
| Average equity | $12,291,000 | 4,245 |
| Average total loans | $61,369,800 | 4,339 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,194 |
| Cost of funding earning assets | 0.5587% | 1,729 |
| Net interest margin | 3.7504% | 2,562 |
| Noninterest income to average assets | 0.9692% | 1,264 |
| Noninterest expense to average assets | 3.6197% | 1,083 |
| Loan and lease loss provision to assets | 0.4303% | 265 |
| Net operating income to assets | 0.2130% | 5,654 |
| Return on assets (ROA) | 0.6262% | 4,369 |
| Pretax return on assets | 0.7586% | 4,463 |
| Return on Equity (ROE) | 5.1267% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.6475% | 5,041 |
| Net charge-offs to loans | 0.4603% | 546 |
| Credit loss provision to net charge-offs | 151.1628% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.4279% | 3,672 |
| Efficiency ratio | 83.9681% | 1,178 |
| Assets per employee ($millions) | 3.4360% | 4,914 |
| Cash dividends to net income (ytd only)* | 67.8649% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,918 |
| Loan loss allowance to noncurrent loans | 46.3335% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.6610% | 1,313 |
| Noncurrent loans to loans | 2.4839% | 824 |
| Net loans and leases to total assets | 66.1033% | 2,992 |
| Net loans and leases to deposits | 78.3539% | 3,063 |
| Net loans and leases to core deposits | 90.6760% | 2,390 |
| Total domestic deposits to total assets | 84.3651% | 3,279 |
| Equity capital to assets | 13.2075% | 1,348 |
| Core capital (leverage) ratio | 12.2820% | 1,525 |
| Tier 1 risk-based capital ratio | 18.1303% | 1,996 |
| Total risk-based capital ratio | 19.2057% | 2,004 |
| Memoranda: | ||
| Average total assets | $100,704,250 | 4,497 |
| Average earning assets | $89,729,750 | 4,562 |
| Average equity | $12,301,250 | 4,299 |
| Average total loans | $62,280,750 | 4,351 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,223 |
| Cost of funding earning assets | 0.5472% | 1,845 |
| Net interest margin | 3.7352% | 2,559 |
| Noninterest income to average assets | 0.8883% | 1,476 |
| Noninterest expense to average assets | 3.5743% | 1,173 |
| Loan and lease loss provision to assets | 0.4025% | 289 |
| Net operating income to assets | 0.2113% | 5,668 |
| Return on assets (ROA) | 0.5922% | 4,476 |
| Pretax return on assets | 0.7180% | 4,604 |
| Return on Equity (ROE) | 4.9686% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.1204% | 5,121 |
| Net charge-offs to loans | 0.5901% | 405 |
| Credit loss provision to net charge-offs | 113.0435% | 1,889 |
| Earnings coverage of net charge-offs (x) | 1.8424% | 3,442 |
| Efficiency ratio | 84.4922% | 1,210 |
| Assets per employee ($millions) | 3.5349% | 4,729 |
| Cash dividends to net income (ytd only)* | 77.4510% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 4,833 |
| Loan loss allowance to noncurrent loans | 44.6975% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 1,664 |
| Noncurrent loans to loans | 2.2540% | 1,054 |
| Net loans and leases to total assets | 62.3431% | 3,504 |
| Net loans and leases to deposits | 72.9222% | 3,626 |
| Net loans and leases to core deposits | 83.4068% | 3,041 |
| Total domestic deposits to total assets | 85.4927% | 2,924 |
| Equity capital to assets | 12.2815% | 1,819 |
| Core capital (leverage) ratio | 11.6541% | 1,880 |
| Tier 1 risk-based capital ratio | 16.5520% | 2,589 |
| Total risk-based capital ratio | 17.4215% | 2,724 |
| Memoranda: | ||
| Average total assets | $103,348,000 | 4,481 |
| Average earning assets | $92,470,670 | 4,547 |
| Average equity | $12,317,330 | 4,323 |
| Average total loans | $62,361,000 | 4,392 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,254 |
| Cost of funding earning assets | 0.5319% | 1,991 |
| Net interest margin | 3.7232% | 2,540 |
| Noninterest income to average assets | 0.8907% | 1,416 |
| Noninterest expense to average assets | 3.4946% | 1,325 |
| Loan and lease loss provision to assets | 0.3449% | 375 |
| Net operating income to assets | 0.3036% | 5,401 |
| Return on assets (ROA) | 0.7618% | 3,610 |
| Pretax return on assets | 0.9817% | 3,563 |
| Return on Equity (ROE) | 6.4849% | 3,774 |
| Retained earnings to average equity (ytd only) | 2.6779% | 4,342 |
| Net charge-offs to loans | 1.1094% | 210 |
| Credit loss provision to net charge-offs | 52.6012% | 2,077 |
| Earnings coverage of net charge-offs (x) | 1.1272% | 2,965 |
| Efficiency ratio | 82.5425% | 1,557 |
| Assets per employee ($millions) | 3.5719% | 4,775 |
| Cash dividends to net income (ytd only)* | 58.7065% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 5,597 |
| Loan loss allowance to noncurrent loans | 34.0731% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5456% | 1,672 |
| Noncurrent loans to loans | 2.4664% | 988 |
| Net loans and leases to total assets | 59.4603% | 3,736 |
| Net loans and leases to deposits | 69.4378% | 3,809 |
| Net loans and leases to core deposits | 77.5571% | 3,424 |
| Total domestic deposits to total assets | 85.6311% | 3,121 |
| Equity capital to assets | 12.0471% | 1,997 |
| Core capital (leverage) ratio | 11.3931% | 2,089 |
| Tier 1 risk-based capital ratio | 16.3587% | 2,750 |
| Total risk-based capital ratio | 17.0722% | 2,940 |
| Memoranda: | ||
| Average total assets | $105,533,000 | 4,465 |
| Average earning assets | $94,757,500 | 4,535 |
| Average equity | $12,398,000 | 4,337 |
| Average total loans | $62,374,500 | 4,418 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,499 |
| Cost of funding earning assets | 0.5473% | 2,221 |
| Net interest margin | 3.7815% | 2,688 |
| Noninterest income to average assets | 1.0522% | 1,099 |
| Noninterest expense to average assets | 3.6359% | 1,238 |
| Loan and lease loss provision to assets | 0.0249% | 4,106 |
| Net operating income to assets | 0.6125% | 4,314 |
| Return on assets (ROA) | 0.6141% | 4,404 |
| Pretax return on assets | 0.7442% | 4,467 |
| Return on Equity (ROE) | 5.3075% | 4,511 |
| Retained earnings to average equity (ytd only) | 2.5463% | 4,425 |
| Net charge-offs to loans | 0.3242% | 1,360 |
| Credit loss provision to net charge-offs | 13.7566% | 4,059 |
| Earnings coverage of net charge-offs (x) | 4.2434% | 3,704 |
| Efficiency ratio | 82.5766% | 1,590 |
| Assets per employee ($millions) | 3.5913% | 4,735 |
| Cash dividends to net income (ytd only)* | 52.0249% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 5,997 |
| Loan loss allowance to noncurrent loans | 25.9632% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 1,640 |
| Noncurrent loans to loans | 2.6894% | 903 |
| Net loans and leases to total assets | 57.8151% | 4,066 |
| Net loans and leases to deposits | 67.0925% | 4,209 |
| Net loans and leases to core deposits | 74.5488% | 3,871 |
| Total domestic deposits to total assets | 86.1723% | 2,736 |
| Equity capital to assets | 11.5862% | 2,359 |
| Core capital (leverage) ratio | 11.1857% | 2,229 |
| Tier 1 risk-based capital ratio | 16.3089% | 2,807 |
| Total risk-based capital ratio | 16.9017% | 3,086 |
| Memoranda: | ||
| Average total assets | $104,539,400 | 4,491 |
| Average earning assets | $92,635,000 | 4,589 |
| Average equity | $12,096,000 | 4,341 |
| Average total loans | $58,294,000 | 4,539 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 2,398 |
| Cost of funding earning assets | 0.5458% | 2,332 |
| Net interest margin | 3.8105% | 2,576 |
| Noninterest income to average assets | 1.0629% | 1,090 |
| Noninterest expense to average assets | 3.7105% | 1,100 |
| Loan and lease loss provision to assets | 0.0334% | 3,737 |
| Net operating income to assets | 0.5851% | 4,509 |
| Return on assets (ROA) | 0.5874% | 4,584 |
| Pretax return on assets | 0.6863% | 4,746 |
| Return on Equity (ROE) | 5.0780% | 4,686 |
| Retained earnings to average equity (ytd only) | 2.6779% | 4,687 |
| Net charge-offs to loans | 0.3194% | 1,247 |
| Credit loss provision to net charge-offs | 18.9781% | 3,587 |
| Earnings coverage of net charge-offs (x) | 4.0730% | 3,542 |
| Efficiency ratio | 83.8026% | 1,413 |
| Assets per employee ($millions) | 3.3719% | 5,097 |
| Cash dividends to net income (ytd only)* | 47.2642% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 5,991 |
| Loan loss allowance to noncurrent loans | 35.6105% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 2,234 |
| Noncurrent loans to loans | 2.1099% | 1,483 |
| Net loans and leases to total assets | 61.9200% | 3,494 |
| Net loans and leases to deposits | 77.4983% | 3,005 |
| Net loans and leases to core deposits | 87.1929% | 2,516 |
| Total domestic deposits to total assets | 79.8986% | 5,125 |
| Equity capital to assets | 11.7383% | 2,274 |
| Core capital (leverage) ratio | 11.6651% | 1,928 |
| Tier 1 risk-based capital ratio | 15.8855% | 3,108 |
| Total risk-based capital ratio | 16.5350% | 3,370 |
| Memoranda: | ||
| Average total assets | $103,739,250 | 4,553 |
| Average earning assets | $91,605,250 | 4,654 |
| Average equity | $11,999,250 | 4,384 |
| Average total loans | $57,185,500 | 4,620 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 2,591 |
| Cost of funding earning assets | 0.5357% | 2,482 |
| Net interest margin | 3.7606% | 2,714 |
| Noninterest income to average assets | 1.1597% | 868 |
| Noninterest expense to average assets | 3.7226% | 1,095 |
| Loan and lease loss provision to assets | 0.0503% | 3,296 |
| Net operating income to assets | 0.6088% | 4,317 |
| Return on assets (ROA) | 0.6088% | 4,410 |
| Pretax return on assets | 0.6977% | 4,647 |
| Return on Equity (ROE) | 5.2901% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.4260% | 4,019 |
| Net charge-offs to loans | 0.3376% | 1,204 |
| Credit loss provision to net charge-offs | 28.2609% | 3,082 |
| Earnings coverage of net charge-offs (x) | 4.2065% | 3,157 |
| Efficiency ratio | 83.2685% | 1,595 |
| Assets per employee ($millions) | 3.1053% | 5,592 |
| Cash dividends to net income (ytd only)* | 35.2381% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 5,711 |
| Loan loss allowance to noncurrent loans | 38.1326% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7289% | 1,884 |
| Noncurrent loans to loans | 2.3710% | 1,347 |
| Net loans and leases to total assets | 59.0098% | 3,859 |
| Net loans and leases to deposits | 71.3375% | 3,661 |
| Net loans and leases to core deposits | 79.8861% | 3,226 |
| Total domestic deposits to total assets | 82.7191% | 4,404 |
| Equity capital to assets | 12.3589% | 1,733 |
| Core capital (leverage) ratio | 12.2908% | 1,508 |
| Tier 1 risk-based capital ratio | 16.9056% | 2,661 |
| Total risk-based capital ratio | 17.6626% | 2,828 |
| Memoranda: | ||
| Average total assets | $103,475,670 | 4,594 |
| Average earning assets | $91,102,670 | 4,699 |
| Average equity | $11,909,000 | 4,414 |
| Average total loans | $54,509,000 | 4,734 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,208 |
| Cost of funding earning assets | 0.5315% | 2,587 |
| Net interest margin | 3.5878% | 3,302 |
| Noninterest income to average assets | 0.8529% | 1,548 |
| Noninterest expense to average assets | 3.6729% | 1,169 |
| Loan and lease loss provision to assets | 0.0531% | 3,046 |
| Net operating income to assets | 0.3146% | 5,441 |
| Return on assets (ROA) | 0.3146% | 5,490 |
| Pretax return on assets | 0.2994% | 5,720 |
| Return on Equity (ROE) | 2.8320% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.8425% | 4,862 |
| Net charge-offs to loans | 0.2683% | 1,270 |
| Credit loss provision to net charge-offs | 40.0000% | 2,299 |
| Earnings coverage of net charge-offs (x) | 2.6571% | 2,825 |
| Efficiency ratio | 91.2429% | 930 |
| Assets per employee ($millions) | 3.0578% | 5,761 |
| Cash dividends to net income (ytd only)* | 34.9398% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 5,108 |
| Loan loss allowance to noncurrent loans | 51.8784% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 2,530 |
| Noncurrent loans to loans | 2.1253% | 1,725 |
| Net loans and leases to total assets | 53.1692% | 4,529 |
| Net loans and leases to deposits | 62.0912% | 4,534 |
| Net loans and leases to core deposits | 67.1360% | 4,388 |
| Total domestic deposits to total assets | 85.6308% | 3,543 |
| Equity capital to assets | 12.1249% | 1,786 |
| Core capital (leverage) ratio | 11.7106% | 1,824 |
| Tier 1 risk-based capital ratio | 18.3846% | 2,152 |
| Total risk-based capital ratio | 19.2884% | 2,256 |
| Memoranda: | ||
| Average total assets | $105,528,500 | 4,593 |
| Average earning assets | $93,316,500 | 4,700 |
| Average equity | $11,723,000 | 4,469 |
| Average total loans | $52,177,000 | 4,858 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 1,699 |
| Cost of funding earning assets | 0.6263% | 2,423 |
| Net interest margin | 4.0292% | 1,872 |
| Noninterest income to average assets | 0.7687% | 2,226 |
| Noninterest expense to average assets | 3.8663% | 1,036 |
| Loan and lease loss provision to assets | 0.0720% | 3,674 |
| Net operating income to assets | 0.3498% | 5,331 |
| Return on assets (ROA) | 0.3992% | 5,260 |
| Pretax return on assets | 0.4337% | 5,402 |
| Return on Equity (ROE) | 3.4964% | 5,322 |
| Retained earnings to average equity (ytd only) | -0.6892% | 6,008 |
| Net charge-offs to loans | 0.3137% | 2,115 |
| Credit loss provision to net charge-offs | 40.9836% | 4,022 |
| Earnings coverage of net charge-offs (x) | 2.5738% | 4,143 |
| Efficiency ratio | 89.5333% | 1,063 |
| Assets per employee ($millions) | 3.4306% | 5,018 |
| Cash dividends to net income (ytd only)* | 119.7115% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 4,855 |
| Loan loss allowance to noncurrent loans | 68.3732% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 3,503 |
| Noncurrent loans to loans | 1.6986% | 2,364 |
| Net loans and leases to total assets | 45.1802% | 5,564 |
| Net loans and leases to deposits | 51.9586% | 5,627 |
| Net loans and leases to core deposits | 55.9539% | 5,538 |
| Total domestic deposits to total assets | 86.9542% | 2,747 |
| Equity capital to assets | 10.2306% | 3,470 |
| Core capital (leverage) ratio | 11.0807% | 2,315 |
| Tier 1 risk-based capital ratio | 17.8391% | 2,294 |
| Total risk-based capital ratio | 18.7520% | 2,391 |
| Memoranda: | ||
| Average total assets | $104,208,400 | 4,638 |
| Average earning assets | $91,805,400 | 4,724 |
| Average equity | $11,897,800 | 4,458 |
| Average total loans | $58,337,200 | 4,671 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 1,109 |
| Cost of funding earning assets | 0.6688% | 2,184 |
| Net interest margin | 4.2394% | 1,224 |
| Noninterest income to average assets | 0.7415% | 2,410 |
| Noninterest expense to average assets | 3.8982% | 968 |
| Loan and lease loss provision to assets | 0.0981% | 3,125 |
| Net operating income to assets | 0.4309% | 5,107 |
| Return on assets (ROA) | 0.4982% | 4,966 |
| Pretax return on assets | 0.5401% | 5,233 |
| Return on Equity (ROE) | 4.2415% | 5,112 |
| Retained earnings to average equity (ytd only) | 0.0111% | 5,926 |
| Net charge-offs to loans | 0.4023% | 1,592 |
| Credit loss provision to net charge-offs | 41.4365% | 3,683 |
| Earnings coverage of net charge-offs (x) | 2.3867% | 4,038 |
| Efficiency ratio | 87.3425% | 1,228 |
| Assets per employee ($millions) | 2.8075% | 6,138 |
| Cash dividends to net income (ytd only)* | 99.7362% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,316 |
| Loan loss allowance to noncurrent loans | 81.0484% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 3,605 |
| Noncurrent loans to loans | 1.3613% | 3,141 |
| Net loans and leases to total assets | 58.3386% | 3,954 |
| Net loans and leases to deposits | 69.5576% | 3,847 |
| Net loans and leases to core deposits | 76.1039% | 3,603 |
| Total domestic deposits to total assets | 83.8710% | 4,246 |
| Equity capital to assets | 12.5822% | 1,534 |
| Core capital (leverage) ratio | 12.5303% | 1,409 |
| Tier 1 risk-based capital ratio | 18.0999% | 2,286 |
| Total risk-based capital ratio | 19.0227% | 2,381 |
| Memoranda: | ||
| Average total assets | $101,958,250 | 4,737 |
| Average earning assets | $89,507,750 | 4,830 |
| Average equity | $11,976,750 | 4,496 |
| Average total loans | $59,984,250 | 4,655 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 1,301 |
| Cost of funding earning assets | 0.6946% | 2,111 |
| Net interest margin | 4.1183% | 1,495 |
| Noninterest income to average assets | 0.6491% | 2,918 |
| Noninterest expense to average assets | 3.7635% | 1,150 |
| Loan and lease loss provision to assets | 0.1428% | 2,547 |
| Net operating income to assets | 0.3717% | 5,325 |
| Return on assets (ROA) | 0.4740% | 5,088 |
| Pretax return on assets | 0.4949% | 5,398 |
| Return on Equity (ROE) | 4.1214% | 5,167 |
| Retained earnings to average equity (ytd only) | -0.1986% | 5,890 |
| Net charge-offs to loans | 0.5602% | 1,176 |
| Credit loss provision to net charge-offs | 43.3526% | 3,354 |
| Earnings coverage of net charge-offs (x) | 1.6127% | 3,985 |
| Efficiency ratio | 87.6330% | 1,259 |
| Assets per employee ($millions) | 2.9372% | 5,952 |
| Cash dividends to net income (ytd only)* | 104.8193% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 5,673 |
| Loan loss allowance to noncurrent loans | 70.2299% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 3,688 |
| Noncurrent loans to loans | 1.4785% | 3,090 |
| Net loans and leases to total assets | 60.0799% | 3,642 |
| Net loans and leases to deposits | 71.0366% | 3,579 |
| Net loans and leases to core deposits | 77.3943% | 3,371 |
| Total domestic deposits to total assets | 84.5759% | 4,098 |
| Equity capital to assets | 12.1216% | 1,837 |
| Core capital (leverage) ratio | 11.9158% | 1,660 |
| Tier 1 risk-based capital ratio | 17.3430% | 2,577 |
| Total risk-based capital ratio | 18.2400% | 2,688 |
| Memoranda: | ||
| Average total assets | $105,062,000 | 4,703 |
| Average earning assets | $93,000,330 | 4,777 |
| Average equity | $12,083,330 | 4,517 |
| Average total loans | $61,761,670 | 4,616 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 1,492 |
| Cost of funding earning assets | 0.7592% | 1,780 |
| Net interest margin | 3.9563% | 1,932 |
| Noninterest income to average assets | 0.7771% | 2,225 |
| Noninterest expense to average assets | 3.5920% | 1,437 |
| Loan and lease loss provision to assets | 0.2199% | 1,686 |
| Net operating income to assets | 0.4728% | 4,807 |
| Return on assets (ROA) | 0.4728% | 4,972 |
| Pretax return on assets | 0.4985% | 5,263 |
| Return on Equity (ROE) | 4.2121% | 4,992 |
| Retained earnings to average equity (ytd only) | -0.4571% | 5,871 |
| Net charge-offs to loans | 0.9238% | 660 |
| Credit loss provision to net charge-offs | 41.0959% | 2,734 |
| Earnings coverage of net charge-offs (x) | 1.3425% | 3,382 |
| Efficiency ratio | 83.3333% | 1,849 |
| Assets per employee ($millions) | 2.9922% | 6,004 |
| Cash dividends to net income (ytd only)* | 110.8527% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 5,914 |
| Loan loss allowance to noncurrent loans | 88.7464% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 4,453 |
| Noncurrent loans to loans | 1.1512% | 3,857 |
| Net loans and leases to total assets | 59.3261% | 3,549 |
| Net loans and leases to deposits | 71.0472% | 3,317 |
| Net loans and leases to core deposits | 78.1631% | 3,043 |
| Total domestic deposits to total assets | 83.5024% | 4,669 |
| Equity capital to assets | 11.9908% | 2,051 |
| Core capital (leverage) ratio | 11.0161% | 2,250 |
| Tier 1 risk-based capital ratio | 16.4689% | 3,020 |
| Total risk-based capital ratio | 17.3390% | 3,170 |
| Memoranda: | ||
| Average total assets | $109,130,000 | 4,629 |
| Average earning assets | $97,465,500 | 4,703 |
| Average equity | $12,250,500 | 4,531 |
| Average total loans | $63,220,500 | 4,591 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 1,250 |
| Cost of funding earning assets | 0.7719% | 2,898 |
| Net interest margin | 4.3566% | 1,261 |
| Noninterest income to average assets | 0.9861% | 1,568 |
| Noninterest expense to average assets | 3.8233% | 1,215 |
| Loan and lease loss provision to assets | 0.0774% | 4,740 |
| Net operating income to assets | 0.7312% | 3,602 |
| Return on assets (ROA) | 0.7312% | 3,847 |
| Pretax return on assets | 0.9551% | 3,724 |
| Return on Equity (ROE) | 6.6043% | 3,856 |
| Retained earnings to average equity (ytd only) | 1.3982% | 5,177 |
| Net charge-offs to loans | 0.3918% | 2,684 |
| Credit loss provision to net charge-offs | 32.6923% | 5,070 |
| Earnings coverage of net charge-offs (x) | 4.3615% | 3,396 |
| Efficiency ratio | 78.7362% | 2,319 |
| Assets per employee ($millions) | 3.2368% | 5,543 |
| Cash dividends to net income (ytd only)* | 78.8294% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 5,619 |
| Loan loss allowance to noncurrent loans | 85.4217% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 4,173 |
| Noncurrent loans to loans | 1.2679% | 3,716 |
| Net loans and leases to total assets | 55.5705% | 4,370 |
| Net loans and leases to deposits | 65.0215% | 4,421 |
| Net loans and leases to core deposits | 73.7061% | 3,818 |
| Total domestic deposits to total assets | 85.4648% | 3,633 |
| Equity capital to assets | 10.5575% | 3,456 |
| Core capital (leverage) ratio | 9.9817% | 3,427 |
| Tier 1 risk-based capital ratio | 15.0843% | 3,676 |
| Total risk-based capital ratio | 15.9887% | 3,826 |
| Memoranda: | ||
| Average total assets | $109,825,800 | 4,594 |
| Average earning assets | $97,553,000 | 4,655 |
| Average equity | $12,158,800 | 4,536 |
| Average total loans | $66,357,600 | 4,487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2952% | 1,025 |
| Cost of funding earning assets | 0.8212% | 2,763 |
| Net interest margin | 4.4741% | 1,037 |
| Noninterest income to average assets | 1.0356% | 1,412 |
| Noninterest expense to average assets | 3.9499% | 1,000 |
| Loan and lease loss provision to assets | 0.0370% | 5,311 |
| Net operating income to assets | 0.7767% | 3,564 |
| Return on assets (ROA) | 0.7767% | 3,817 |
| Pretax return on assets | 1.0047% | 3,687 |
| Return on Equity (ROE) | 6.9288% | 3,856 |
| Retained earnings to average equity (ytd only) | 2.5626% | 5,031 |
| Net charge-offs to loans | 0.1001% | 4,383 |
| Credit loss provision to net charge-offs | 60.0000% | 4,145 |
| Earnings coverage of net charge-offs (x) | 16.8988% | 1,650 |
| Efficiency ratio | 79.1306% | 2,222 |
| Assets per employee ($millions) | 2.9186% | 6,185 |
| Cash dividends to net income (ytd only)* | 63.0158% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 5,026 |
| Loan loss allowance to noncurrent loans | 101.4085% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 3,967 |
| Noncurrent loans to loans | 1.2363% | 3,984 |
| Net loans and leases to total assets | 64.7676% | 2,883 |
| Net loans and leases to deposits | 80.4031% | 2,332 |
| Net loans and leases to core deposits | 93.3445% | 1,642 |
| Total domestic deposits to total assets | 80.5535% | 5,495 |
| Equity capital to assets | 11.7714% | 2,463 |
| Core capital (leverage) ratio | 11.3338% | 2,108 |
| Tier 1 risk-based capital ratio | 15.1214% | 3,758 |
| Total risk-based capital ratio | 16.2204% | 3,821 |
| Memoranda: | ||
| Average total assets | $108,151,250 | 4,681 |
| Average earning assets | $95,630,500 | 4,747 |
| Average equity | $12,123,000 | 4,582 |
| Average total loans | $66,581,500 | 4,522 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 1,288 |
| Cost of funding earning assets | 0.8648% | 2,692 |
| Net interest margin | 4.3241% | 1,411 |
| Noninterest income to average assets | 1.0112% | 1,439 |
| Noninterest expense to average assets | 4.0740% | 859 |
| Loan and lease loss provision to assets | 0.0092% | 5,541 |
| Net operating income to assets | 0.6375% | 4,186 |
| Return on assets (ROA) | 0.6375% | 4,431 |
| Pretax return on assets | 0.7566% | 4,619 |
| Return on Equity (ROE) | 5.7801% | 4,432 |
| Retained earnings to average equity (ytd only) | 1.1627% | 5,609 |
| Net charge-offs to loans | -0.0821% | 6,814 |
| Credit loss provision to net charge-offs | -18.5185% | 5,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1787% | 1,608 |
| Assets per employee ($millions) | 2.9244% | 6,194 |
| Cash dividends to net income (ytd only)* | 79.8851% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,677 |
| Loan loss allowance to noncurrent loans | 89.1918% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3830% | 3,657 |
| Noncurrent loans to loans | 1.5103% | 3,642 |
| Net loans and leases to total assets | 63.7177% | 3,098 |
| Net loans and leases to deposits | 75.7304% | 3,022 |
| Net loans and leases to core deposits | 87.2941% | 2,282 |
| Total domestic deposits to total assets | 84.1375% | 4,254 |
| Equity capital to assets | 11.5131% | 2,578 |
| Core capital (leverage) ratio | 11.3160% | 2,029 |
| Tier 1 risk-based capital ratio | 15.2273% | 3,616 |
| Total risk-based capital ratio | 16.4169% | 3,622 |
| Memoranda: | ||
| Average total assets | $109,179,000 | 4,688 |
| Average earning assets | $96,666,670 | 4,743 |
| Average equity | $12,041,330 | 4,590 |
| Average total loans | $65,804,000 | 4,572 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 1,664 |
| Cost of funding earning assets | 1.0260% | 1,838 |
| Net interest margin | 4.0433% | 2,319 |
| Noninterest income to average assets | 1.1050% | 1,157 |
| Noninterest expense to average assets | 3.7218% | 1,347 |
| Loan and lease loss provision to assets | 0.0180% | 5,107 |
| Net operating income to assets | 0.7523% | 3,614 |
| Return on assets (ROA) | 0.7523% | 3,848 |
| Pretax return on assets | 0.9539% | 3,851 |
| Return on Equity (ROE) | 6.9658% | 3,800 |
| Retained earnings to average equity (ytd only) | 3.2996% | 4,587 |
| Net charge-offs to loans | -0.0556% | 6,571 |
| Credit loss provision to net charge-offs | -55.5556% | 5,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2945% | 2,304 |
| Assets per employee ($millions) | 2.8867% | 6,371 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 4,541 |
| Loan loss allowance to noncurrent loans | 137.3089% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 4,752 |
| Noncurrent loans to loans | 1.0308% | 4,627 |
| Net loans and leases to total assets | 60.1871% | 3,627 |
| Net loans and leases to deposits | 71.6231% | 3,490 |
| Net loans and leases to core deposits | 78.5826% | 3,249 |
| Total domestic deposits to total assets | 84.0331% | 4,475 |
| Equity capital to assets | 11.6223% | 2,328 |
| Core capital (leverage) ratio | 10.7367% | 2,514 |
| Tier 1 risk-based capital ratio | 15.7533% | 3,318 |
| Total risk-based capital ratio | 16.9568% | 3,305 |
| Memoranda: | ||
| Average total assets | $111,128,500 | 4,683 |
| Average earning assets | $98,633,500 | 4,723 |
| Average equity | $12,001,500 | 4,608 |
| Average total loans | $64,707,000 | 4,633 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0770% | 380 |
| Cost of funding earning assets | 0.9183% | 3,974 |
| Net interest margin | 5.1588% | 305 |
| Noninterest income to average assets | 1.2097% | 904 |
| Noninterest expense to average assets | 3.9951% | 1,045 |
| Loan and lease loss provision to assets | -0.5766% | 7,338 |
| Net operating income to assets | 1.5729% | 713 |
| Return on assets (ROA) | 1.5976% | 722 |
| Pretax return on assets | 2.3476% | 273 |
| Return on Equity (ROE) | 15.0000% | 746 |
| Retained earnings to average equity (ytd only) | 11.8076% | 322 |
| Net charge-offs to loans | -1.0930% | 7,306 |
| Credit loss provision to net charge-offs | 79.8408% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7258% | 4,018 |
| Assets per employee ($millions) | 3.2871% | 5,537 |
| Cash dividends to net income (ytd only)* | 21.2830% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,713 |
| Loan loss allowance to noncurrent loans | 164.9254% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 5,258 |
| Noncurrent loans to loans | 0.8125% | 5,068 |
| Net loans and leases to total assets | 55.0002% | 4,877 |
| Net loans and leases to deposits | 63.9084% | 5,027 |
| Net loans and leases to core deposits | 73.0480% | 4,375 |
| Total domestic deposits to total assets | 86.0609% | 3,289 |
| Equity capital to assets | 10.0772% | 4,065 |
| Core capital (leverage) ratio | 11.1034% | 2,186 |
| Tier 1 risk-based capital ratio | 14.6203% | 3,888 |
| Total risk-based capital ratio | 15.7304% | 3,966 |
| Memoranda: | ||
| Average total assets | $104,403,600 | 4,779 |
| Average earning assets | $91,475,600 | 4,871 |
| Average equity | $11,120,000 | 4,751 |
| Average total loans | $68,985,200 | 4,532 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4069% | 225 |
| Cost of funding earning assets | 0.9707% | 3,887 |
| Net interest margin | 5.4363% | 190 |
| Noninterest income to average assets | 1.3713% | 693 |
| Noninterest expense to average assets | 4.1365% | 856 |
| Loan and lease loss provision to assets | -0.8416% | 7,425 |
| Net operating income to assets | 1.8754% | 448 |
| Return on assets (ROA) | 1.9090% | 452 |
| Pretax return on assets | 2.8695% | 155 |
| Return on Equity (ROE) | 17.6451% | 492 |
| Retained earnings to average equity (ytd only) | 14.9586% | 232 |
| Net charge-offs to loans | -1.4989% | 7,387 |
| Credit loss provision to net charge-offs | 81.2500% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6534% | 4,390 |
| Assets per employee ($millions) | 2.8608% | 6,384 |
| Cash dividends to net income (ytd only)* | 15.2251% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 5,342 |
| Loan loss allowance to noncurrent loans | 168.0688% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 5,185 |
| Noncurrent loans to loans | 0.7323% | 5,412 |
| Net loans and leases to total assets | 68.4915% | 2,375 |
| Net loans and leases to deposits | 83.0054% | 2,174 |
| Net loans and leases to core deposits | 97.6467% | 1,451 |
| Total domestic deposits to total assets | 82.5145% | 4,871 |
| Equity capital to assets | 11.5120% | 2,666 |
| Core capital (leverage) ratio | 11.1183% | 2,299 |
| Tier 1 risk-based capital ratio | 14.4292% | 4,031 |
| Total risk-based capital ratio | 15.5258% | 4,102 |
| Memoranda: | ||
| Average total assets | $100,920,500 | 4,899 |
| Average earning assets | $88,048,500 | 5,026 |
| Average equity | $10,918,750 | 4,824 |
| Average total loans | $69,739,250 | 4,535 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4214% | 233 |
| Cost of funding earning assets | 0.9817% | 4,072 |
| Net interest margin | 5.4396% | 195 |
| Noninterest income to average assets | 1.4008% | 649 |
| Noninterest expense to average assets | 4.1584% | 863 |
| Loan and lease loss provision to assets | -1.2711% | 7,504 |
| Net operating income to assets | 2.1331% | 286 |
| Return on assets (ROA) | 2.1331% | 293 |
| Pretax return on assets | 3.2565% | 125 |
| Return on Equity (ROE) | 20.1578% | 301 |
| Retained earnings to average equity (ytd only) | 18.0835% | 137 |
| Net charge-offs to loans | -2.3128% | 7,461 |
| Credit loss provision to net charge-offs | 79.6250% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6843% | 4,574 |
| Assets per employee ($millions) | 2.8358% | 6,408 |
| Cash dividends to net income (ytd only)* | 10.2900% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,270 |
| Loan loss allowance to noncurrent loans | 150.6734% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 5,049 |
| Noncurrent loans to loans | 0.8345% | 5,260 |
| Net loans and leases to total assets | 68.8487% | 2,442 |
| Net loans and leases to deposits | 81.9177% | 2,468 |
| Net loans and leases to core deposits | 96.2045% | 1,663 |
| Total domestic deposits to total assets | 84.0463% | 4,324 |
| Equity capital to assets | 11.1256% | 2,838 |
| Core capital (leverage) ratio | 11.2783% | 2,060 |
| Tier 1 risk-based capital ratio | 13.9529% | 4,201 |
| Total risk-based capital ratio | 15.0579% | 4,276 |
| Memoranda: | ||
| Average total assets | $100,231,330 | 4,957 |
| Average earning assets | $87,395,670 | 5,083 |
| Average equity | $10,606,330 | 4,895 |
| Average total loans | $69,180,000 | 4,608 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3310% | 267 |
| Cost of funding earning assets | 1.0106% | 4,126 |
| Net interest margin | 5.3204% | 218 |
| Noninterest income to average assets | 1.4219% | 635 |
| Noninterest expense to average assets | 4.2456% | 779 |
| Loan and lease loss provision to assets | 0.2538% | 3,120 |
| Net operating income to assets | 1.1198% | 1,766 |
| Return on assets (ROA) | 1.1198% | 1,817 |
| Pretax return on assets | 1.5669% | 1,262 |
| Return on Equity (ROE) | 10.8695% | 1,787 |
| Retained earnings to average equity (ytd only) | 6.5686% | 2,338 |
| Net charge-offs to loans | 0.2875% | 2,913 |
| Credit loss provision to net charge-offs | 128.5714% | 2,151 |
| Earnings coverage of net charge-offs (x) | 9.2245% | 1,744 |
| Efficiency ratio | 69.9867% | 4,278 |
| Assets per employee ($millions) | 2.7486% | 6,629 |
| Cash dividends to net income (ytd only)* | 39.5683% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 6,070 |
| Loan loss allowance to noncurrent loans | 138.6617% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 5,316 |
| Noncurrent loans to loans | 0.7890% | 5,458 |
| Net loans and leases to total assets | 66.3169% | 2,926 |
| Net loans and leases to deposits | 80.4502% | 2,624 |
| Net loans and leases to core deposits | 96.2234% | 1,657 |
| Total domestic deposits to total assets | 82.4323% | 5,133 |
| Equity capital to assets | 10.1929% | 3,549 |
| Core capital (leverage) ratio | 10.6583% | 2,465 |
| Tier 1 risk-based capital ratio | 13.4632% | 4,447 |
| Total risk-based capital ratio | 14.4190% | 4,666 |
| Memoranda: | ||
| Average total assets | $99,302,500 | 5,020 |
| Average earning assets | $86,685,000 | 5,137 |
| Average equity | $10,230,500 | 4,982 |
| Average total loans | $68,179,000 | 4,681 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5154% | 309 |
| Cost of funding earning assets | 1.3496% | 3,576 |
| Net interest margin | 5.1658% | 308 |
| Noninterest income to average assets | 1.1083% | 1,207 |
| Noninterest expense to average assets | 4.0419% | 1,106 |
| Loan and lease loss provision to assets | 1.5571% | 940 |
| Net operating income to assets | 0.1486% | 5,445 |
| Return on assets (ROA) | 0.1486% | 5,603 |
| Pretax return on assets | 0.0418% | 5,807 |
| Return on Equity (ROE) | 1.3681% | 5,600 |
| Retained earnings to average equity (ytd only) | -8.2357% | 6,554 |
| Net charge-offs to loans | 2.5018% | 749 |
| Credit loss provision to net charge-offs | 91.7048% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.9416% | 5,170 |
| Efficiency ratio | 71.6549% | 3,863 |
| Assets per employee ($millions) | 2.4848% | 7,032 |
| Cash dividends to net income (ytd only)* | 701.9608% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 6,055 |
| Loan loss allowance to noncurrent loans | 124.7019% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8534% | 5,301 |
| Noncurrent loans to loans | 0.8611% | 5,346 |
| Net loans and leases to total assets | 69.5894% | 2,637 |
| Net loans and leases to deposits | 83.9771% | 2,452 |
| Net loans and leases to core deposits | 95.0178% | 2,129 |
| Total domestic deposits to total assets | 82.8671% | 4,854 |
| Equity capital to assets | 10.4172% | 3,257 |
| Core capital (leverage) ratio | 9.4723% | 3,737 |
| Tier 1 risk-based capital ratio | 13.5278% | 4,176 |
| Total risk-based capital ratio | 14.4853% | 4,377 |
| Memoranda: | ||
| Average total assets | $102,946,400 | 4,899 |
| Average earning assets | $90,324,000 | 5,006 |
| Average equity | $11,183,000 | 4,820 |
| Average total loans | $69,870,000 | 4,687 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4740% | 359 |
| Cost of funding earning assets | 1.3222% | 4,095 |
| Net interest margin | 5.1518% | 325 |
| Noninterest income to average assets | 1.2547% | 873 |
| Noninterest expense to average assets | 3.9429% | 1,131 |
| Loan and lease loss provision to assets | 0.5195% | 2,856 |
| Net operating income to assets | 0.9420% | 2,447 |
| Return on assets (ROA) | 0.9420% | 2,575 |
| Pretax return on assets | 1.3083% | 2,146 |
| Return on Equity (ROE) | 8.5900% | 2,652 |
| Retained earnings to average equity (ytd only) | 3.1892% | 4,193 |
| Net charge-offs to loans | 1.0223% | 1,974 |
| Credit loss provision to net charge-offs | 75.5102% | 5,267 |
| Earnings coverage of net charge-offs (x) | 2.6568% | 3,822 |
| Efficiency ratio | 68.3256% | 4,400 |
| Assets per employee ($millions) | 2.6060% | 6,925 |
| Cash dividends to net income (ytd only)* | 62.8722% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 6,312 |
| Loan loss allowance to noncurrent loans | 75.3286% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 5,134 |
| Noncurrent loans to loans | 1.3531% | 4,601 |
| Net loans and leases to total assets | 71.1839% | 2,438 |
| Net loans and leases to deposits | 92.0750% | 1,434 |
| Net loans and leases to core deposits | 110.8851% | 989 |
| Total domestic deposits to total assets | 77.3107% | 6,418 |
| Equity capital to assets | 11.4292% | 2,584 |
| Core capital (leverage) ratio | 11.3713% | 2,028 |
| Tier 1 risk-based capital ratio | 14.9468% | 3,277 |
| Total risk-based capital ratio | 15.9133% | 3,396 |
| Memoranda: | ||
| Average total assets | $104,456,250 | 4,921 |
| Average earning assets | $91,563,750 | 5,022 |
| Average equity | $11,455,000 | 4,823 |
| Average total loans | $70,295,250 | 4,744 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4217% | 390 |
| Cost of funding earning assets | 1.3072% | 4,490 |
| Net interest margin | 5.1145% | 332 |
| Noninterest income to average assets | 1.5295% | 548 |
| Noninterest expense to average assets | 3.8730% | 1,226 |
| Loan and lease loss provision to assets | 0.6528% | 2,206 |
| Net operating income to assets | 1.0683% | 1,955 |
| Return on assets (ROA) | 1.0683% | 2,029 |
| Pretax return on assets | 1.5029% | 1,554 |
| Return on Equity (ROE) | 9.8760% | 2,147 |
| Retained earnings to average equity (ytd only) | 3.6662% | 3,765 |
| Net charge-offs to loans | 0.6891% | 2,495 |
| Credit loss provision to net charge-offs | 143.9331% | 2,758 |
| Earnings coverage of net charge-offs (x) | 4.7531% | 2,859 |
| Efficiency ratio | 64.2430% | 5,288 |
| Assets per employee ($millions) | 2.5857% | 6,973 |
| Cash dividends to net income (ytd only)* | 62.8774% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,521 |
| Loan loss allowance to noncurrent loans | 39.5171% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 2.4791% | 2,903 |
| Noncurrent loans to loans | 3.4945% | 2,267 |
| Net loans and leases to total assets | 69.5431% | 3,010 |
| Net loans and leases to deposits | 88.8621% | 2,021 |
| Net loans and leases to core deposits | 112.3014% | 1,018 |
| Total domestic deposits to total assets | 78.2595% | 6,211 |
| Equity capital to assets | 11.3542% | 2,554 |
| Core capital (leverage) ratio | 10.9920% | 2,250 |
| Tier 1 risk-based capital ratio | 15.1887% | 3,065 |
| Total risk-based capital ratio | 16.4517% | 3,016 |
| Memoranda: | ||
| Average total assets | $105,397,000 | 4,934 |
| Average earning assets | $92,717,000 | 5,021 |
| Average equity | $11,401,330 | 4,833 |
| Average total loans | $69,363,000 | 4,808 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7503% | 241 |
| Cost of funding earning assets | 1.2876% | 4,886 |
| Net interest margin | 5.4627% | 190 |
| Noninterest income to average assets | 1.2259% | 816 |
| Noninterest expense to average assets | 3.7001% | 1,520 |
| Loan and lease loss provision to assets | 0.5572% | 2,272 |
| Net operating income to assets | 1.3039% | 1,289 |
| Return on assets (ROA) | 1.3039% | 1,359 |
| Pretax return on assets | 1.7757% | 923 |
| Return on Equity (ROE) | 12.3407% | 1,408 |
| Retained earnings to average equity (ytd only) | 7.8052% | 1,790 |
| Net charge-offs to loans | 1.1272% | 1,492 |
| Credit loss provision to net charge-offs | 77.7202% | 3,939 |
| Earnings coverage of net charge-offs (x) | 3.2539% | 2,966 |
| Efficiency ratio | 61.3300% | 5,942 |
| Assets per employee ($millions) | 2.6757% | 6,907 |
| Cash dividends to net income (ytd only)* | 36.7521% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 5,397 |
| Loan loss allowance to noncurrent loans | 118.9729% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 4,944 |
| Noncurrent loans to loans | 1.0253% | 5,281 |
| Net loans and leases to total assets | 64.7223% | 4,159 |
| Net loans and leases to deposits | 82.4099% | 3,212 |
| Net loans and leases to core deposits | 106.3891% | 1,544 |
| Total domestic deposits to total assets | 78.5371% | 6,193 |
| Equity capital to assets | 11.0118% | 2,747 |
| Core capital (leverage) ratio | 10.7871% | 2,376 |
| Tier 1 risk-based capital ratio | 15.4865% | 2,876 |
| Total risk-based capital ratio | 16.6109% | 2,889 |
| Memoranda: | ||
| Average total assets | $107,673,500 | 4,938 |
| Average earning assets | $94,752,000 | 5,022 |
| Average equity | $11,377,000 | 4,878 |
| Average total loans | $68,488,500 | 4,913 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3609% | 908 |
| Cost of funding earning assets | 1.4237% | 5,830 |
| Net interest margin | 4.9372% | 510 |
| Noninterest income to average assets | 1.2758% | 923 |
| Noninterest expense to average assets | 3.8380% | 1,617 |
| Loan and lease loss provision to assets | 0.2061% | 5,696 |
| Net operating income to assets | 0.9969% | 1,853 |
| Return on assets (ROA) | 0.9969% | 1,900 |
| Pretax return on assets | 1.5797% | 1,005 |
| Return on Equity (ROE) | 9.4635% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.7873% | 1,433 |
| Net charge-offs to loans | 0.2651% | 4,960 |
| Credit loss provision to net charge-offs | 120.7865% | 4,422 |
| Earnings coverage of net charge-offs (x) | 10.4663% | 1,685 |
| Efficiency ratio | 68.2461% | 4,970 |
| Assets per employee ($millions) | 2.9209% | 6,410 |
| Cash dividends to net income (ytd only)* | 38.8462% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 4,882 |
| Loan loss allowance to noncurrent loans | 56.9481% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 4,216 |
| Noncurrent loans to loans | 2.2448% | 3,340 |
| Net loans and leases to total assets | 61.0181% | 5,189 |
| Net loans and leases to deposits | 76.1037% | 4,730 |
| Net loans and leases to core deposits | 94.4075% | 4,636 |
| Total domestic deposits to total assets | 80.1775% | 5,622 |
| Equity capital to assets | 10.1473% | 3,565 |
| Core capital (leverage) ratio | 10.9437% | 2,257 |
| Tier 1 risk-based capital ratio | 15.8333% | 2,593 |
| Total risk-based capital ratio | 17.0675% | 2,534 |
| Memoranda: | ||
| Average total assets | $104,325,600 | 4,975 |
| Average earning assets | $91,874,200 | 5,060 |
| Average equity | $10,989,600 | 5,027 |
| Average total loans | $67,149,800 | 4,975 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4813% | 783 |
| Cost of funding earning assets | 1.4514% | 6,031 |
| Net interest margin | 5.0299% | 417 |
| Noninterest income to average assets | 1.3611% | 817 |
| Noninterest expense to average assets | 3.8249% | 1,549 |
| Loan and lease loss provision to assets | 0.2624% | 4,862 |
| Net operating income to assets | 1.1923% | 1,484 |
| Return on assets (ROA) | 1.1923% | 1,541 |
| Pretax return on assets | 1.7118% | 947 |
| Return on Equity (ROE) | 11.2072% | 1,565 |
| Retained earnings to average equity (ytd only) | 7.4837% | 1,320 |
| Net charge-offs to loans | 0.2835% | 4,262 |
| Credit loss provision to net charge-offs | 142.2535% | 3,441 |
| Earnings coverage of net charge-offs (x) | 10.7042% | 1,933 |
| Efficiency ratio | 65.9574% | 5,370 |
| Assets per employee ($millions) | 2.6516% | 6,939 |
| Cash dividends to net income (ytd only)* | 33.2247% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 4,656 |
| Loan loss allowance to noncurrent loans | 124.8266% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 5,520 |
| Noncurrent loans to loans | 1.0206% | 5,266 |
| Net loans and leases to total assets | 69.2186% | 3,670 |
| Net loans and leases to deposits | 91.1558% | 2,370 |
| Net loans and leases to core deposits | 118.2717% | 2,391 |
| Total domestic deposits to total assets | 75.9344% | 6,596 |
| Equity capital to assets | 11.1550% | 2,870 |
| Core capital (leverage) ratio | 11.0709% | 2,356 |
| Tier 1 risk-based capital ratio | 16.0162% | 2,621 |
| Total risk-based capital ratio | 17.2658% | 2,554 |
| Memoranda: | ||
| Average total assets | $102,658,250 | 5,054 |
| Average earning assets | $90,575,750 | 5,145 |
| Average equity | $10,921,250 | 5,088 |
| Average total loans | $66,786,250 | 5,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4588% | 901 |
| Cost of funding earning assets | 1.4681% | 6,267 |
| Net interest margin | 4.9907% | 438 |
| Noninterest income to average assets | 1.0262% | 1,511 |
| Noninterest expense to average assets | 3.7932% | 1,668 |
| Loan and lease loss provision to assets | 0.1743% | 5,309 |
| Net operating income to assets | 0.9798% | 2,179 |
| Return on assets (ROA) | 0.9798% | 2,274 |
| Pretax return on assets | 1.4425% | 1,614 |
| Return on Equity (ROE) | 9.3574% | 2,232 |
| Retained earnings to average equity (ytd only) | 6.0287% | 2,011 |
| Net charge-offs to loans | 0.1893% | 4,370 |
| Credit loss provision to net charge-offs | 145.1613% | 3,190 |
| Earnings coverage of net charge-offs (x) | 13.4677% | 1,738 |
| Efficiency ratio | 70.1145% | 4,755 |
| Assets per employee ($millions) | 2.6932% | 6,848 |
| Cash dividends to net income (ytd only)* | 35.5731% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 4,361 |
| Loan loss allowance to noncurrent loans | 134.5736% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 5,488 |
| Noncurrent loans to loans | 0.9552% | 5,314 |
| Net loans and leases to total assets | 66.8881% | 4,381 |
| Net loans and leases to deposits | 90.1132% | 2,819 |
| Net loans and leases to core deposits | 109.1704% | 3,474 |
| Total domestic deposits to total assets | 74.2268% | 6,921 |
| Equity capital to assets | 10.9915% | 2,927 |
| Core capital (leverage) ratio | 10.7452% | 2,611 |
| Tier 1 risk-based capital ratio | 16.2640% | 2,532 |
| Total risk-based capital ratio | 17.5143% | 2,473 |
| Memoranda: | ||
| Average total assets | $103,290,330 | 5,070 |
| Average earning assets | $90,729,330 | 5,174 |
| Average equity | $10,815,000 | 5,131 |
| Average total loans | $65,499,670 | 5,124 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4029% | 1,058 |
| Cost of funding earning assets | 1.5703% | 6,159 |
| Net interest margin | 4.8326% | 571 |
| Noninterest income to average assets | 1.2634% | 894 |
| Noninterest expense to average assets | 3.6152% | 1,835 |
| Loan and lease loss provision to assets | 0.1903% | 4,532 |
| Net operating income to assets | 1.2292% | 1,571 |
| Return on assets (ROA) | 1.2292% | 1,676 |
| Pretax return on assets | 1.6858% | 1,205 |
| Return on Equity (ROE) | 12.0231% | 1,652 |
| Retained earnings to average equity (ytd only) | 8.8591% | 1,524 |
| Net charge-offs to loans | 0.1427% | 3,819 |
| Credit loss provision to net charge-offs | 217.3913% | 2,077 |
| Earnings coverage of net charge-offs (x) | 21.4348% | 1,339 |
| Efficiency ratio | 65.8351% | 5,355 |
| Assets per employee ($millions) | 2.8549% | 6,519 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 3,808 |
| Loan loss allowance to noncurrent loans | 139.1653% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 5,203 |
| Noncurrent loans to loans | 0.9689% | 5,058 |
| Net loans and leases to total assets | 60.0502% | 5,641 |
| Net loans and leases to deposits | 72.2268% | 5,717 |
| Net loans and leases to core deposits | 84.5476% | 6,019 |
| Total domestic deposits to total assets | 83.1412% | 4,073 |
| Equity capital to assets | 10.2859% | 3,665 |
| Core capital (leverage) ratio | 10.6591% | 2,778 |
| Tier 1 risk-based capital ratio | 16.4347% | 2,536 |
| Total risk-based capital ratio | 17.6993% | 2,473 |
| Memoranda: | ||
| Average total assets | $105,110,500 | 5,038 |
| Average earning assets | $91,958,000 | 5,148 |
| Average equity | $10,746,000 | 5,170 |
| Average total loans | $64,488,500 | 5,182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0571% | 996 |
| Cost of funding earning assets | 2.3531% | 4,915 |
| Net interest margin | 4.7040% | 959 |
| Noninterest income to average assets | 1.3032% | 864 |
| Noninterest expense to average assets | 3.5989% | 2,148 |
| Loan and lease loss provision to assets | 0.2450% | 4,467 |
| Net operating income to assets | 1.1670% | 1,885 |
| Return on assets (ROA) | 1.1670% | 1,811 |
| Pretax return on assets | 1.5903% | 1,412 |
| Return on Equity (ROE) | 11.6749% | 1,692 |
| Retained earnings to average equity (ytd only) | 7.5186% | 982 |
| Net charge-offs to loans | 0.2602% | 3,679 |
| Credit loss provision to net charge-offs | 144.5087% | 3,655 |
| Earnings coverage of net charge-offs (x) | 10.8266% | 2,457 |
| Efficiency ratio | 66.2279% | 5,082 |
| Assets per employee ($millions) | 2.9053% | 6,287 |
| Cash dividends to net income (ytd only)* | 35.6003% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 3,792 |
| Loan loss allowance to noncurrent loans | 446.8085% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 5,921 |
| Noncurrent loans to loans | 0.2907% | 6,506 |
| Net loans and leases to total assets | 61.0368% | 5,765 |
| Net loans and leases to deposits | 73.2922% | 5,918 |
| Net loans and leases to core deposits | 91.3709% | 5,689 |
| Total domestic deposits to total assets | 83.2787% | 3,661 |
| Equity capital to assets | 10.1605% | 3,855 |
| Core capital (leverage) ratio | 9.9897% | 3,457 |
| Tier 1 risk-based capital ratio | 16.1883% | 2,590 |
| Total risk-based capital ratio | 17.4390% | 2,526 |
| Memoranda: | ||
| Average total assets | $102,058,000 | 4,991 |
| Average earning assets | $89,626,200 | 5,097 |
| Average equity | $10,201,400 | 5,343 |
| Average total loans | $66,487,200 | 5,000 |