Home > Kensington Bank > Performance and Condition Ratios
Kensington Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 2,182 |
| Cost of funding earning assets | 1.1753% | 2,867 |
| Net interest margin | 3.7722% | 1,605 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7578% | 1,606 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.7438% | 3,064 |
| Return on assets (ROA) | 0.9781% | 2,272 |
| Pretax return on assets | 1.2651% | 1,972 |
| Return on Equity (ROE) | 11.8300% | 1,999 |
| Retained earnings to average equity (ytd only) | 11.3590% | 719 |
| Net charge-offs to loans | 0.1954% | 548 |
| Credit loss provision to net charge-offs | 74.6835% | 2,056 |
| Earnings coverage of net charge-offs (x) | 8.2441% | 2,357 |
| Efficiency ratio | 66.6755% | 2,263 |
| Assets per employee ($millions) | 6.3883% | 2,487 |
| Cash dividends to net income (ytd only)* | 4.0204% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5617% | 4,288 |
| Loan loss allowance to noncurrent loans | 135.1895% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 1,681 |
| Noncurrent loans to loans | 0.4155% | 1,743 |
| Net loans and leases to total assets | 75.6800% | 1,157 |
| Net loans and leases to deposits | 96.0594% | 780 |
| Net loans and leases to core deposits | 100.6587% | 1,394 |
| Total domestic deposits to total assets | 78.7900% | 3,636 |
| Equity capital to assets | 8.3395% | 3,166 |
| Core capital (leverage) ratio | 8.9018% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4081% | 2,879 |
| Memoranda: | ||
| Average total assets | $381,457,800 | 2,076 |
| Average earning assets | $353,430,600 | 2,077 |
| Average equity | $31,525,800 | 2,199 |
| Average total loans | $282,965,600 | 1,858 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 2,182 |
| Cost of funding earning assets | 1.0374% | 2,932 |
| Net interest margin | 3.8042% | 1,586 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.7512% | 1,538 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.7540% | 3,155 |
| Return on assets (ROA) | 1.0670% | 2,147 |
| Pretax return on assets | 1.3564% | 1,876 |
| Return on Equity (ROE) | 12.9400% | 1,911 |
| Retained earnings to average equity (ytd only) | 12.9430% | 826 |
| Net charge-offs to loans | 0.1232% | 659 |
| Credit loss provision to net charge-offs | 110.5882% | 1,544 |
| Earnings coverage of net charge-offs (x) | 13.5255% | 2,032 |
| Efficiency ratio | 65.9451% | 2,284 |
| Assets per employee ($millions) | 6.1257% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6419% | 4,209 |
| Loan loss allowance to noncurrent loans | 208.6057% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 2,084 |
| Noncurrent loans to loans | 0.3077% | 2,133 |
| Net loans and leases to total assets | 75.6100% | 1,164 |
| Net loans and leases to deposits | 89.4844% | 1,270 |
| Net loans and leases to core deposits | 93.0882% | 1,726 |
| Total domestic deposits to total assets | 84.4900% | 2,644 |
| Equity capital to assets | 8.1188% | 2,969 |
| Core capital (leverage) ratio | 8.9839% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5455% | 2,883 |
| Memoranda: | ||
| Average total assets | $374,609,750 | 2,106 |
| Average earning assets | $347,153,000 | 2,106 |
| Average equity | $30,883,250 | 2,214 |
| Average total loans | $275,910,500 | 1,892 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 2,167 |
| Cost of funding earning assets | 0.9076% | 2,900 |
| Net interest margin | 3.8113% | 1,601 |
| Noninterest income to average assets | 1.1700% | 459 |
| Noninterest expense to average assets | 2.7636% | 1,493 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.2158% | 1,789 |
| Return on assets (ROA) | 1.2093% | 1,797 |
| Pretax return on assets | 1.6838% | 1,250 |
| Return on Equity (ROE) | 14.5900% | 1,555 |
| Retained earnings to average equity (ytd only) | 14.5904% | 610 |
| Net charge-offs to loans | 0.1900% | 421 |
| Credit loss provision to net charge-offs | 87.0588% | 1,521 |
| Earnings coverage of net charge-offs (x) | 14.0196% | 1,888 |
| Efficiency ratio | 55.8874% | 3,436 |
| Assets per employee ($millions) | 5.8194% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 4,245 |
| Loan loss allowance to noncurrent loans | 193.6326% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 1,955 |
| Noncurrent loans to loans | 0.3344% | 1,931 |
| Net loans and leases to total assets | 74.1100% | 1,276 |
| Net loans and leases to deposits | 91.8376% | 1,036 |
| Net loans and leases to core deposits | 93.6786% | 1,586 |
| Total domestic deposits to total assets | 80.6900% | 3,473 |
| Equity capital to assets | 8.2839% | 3,031 |
| Core capital (leverage) ratio | 9.1555% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5930% | 2,898 |
| Memoranda: | ||
| Average total assets | $368,798,667 | 2,129 |
| Average earning assets | $341,357,667 | 2,132 |
| Average equity | $30,568,000 | 2,241 |
| Average total loans | $268,436,333 | 1,918 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 1,974 |
| Cost of funding earning assets | 0.7754% | 2,823 |
| Net interest margin | 3.8734% | 1,532 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.8065% | 1,417 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9026% | 2,843 |
| Return on assets (ROA) | 0.8816% | 2,872 |
| Pretax return on assets | 1.2227% | 2,372 |
| Return on Equity (ROE) | 10.6300% | 2,595 |
| Retained earnings to average equity (ytd only) | 10.6334% | 1,551 |
| Net charge-offs to loans | 0.2452% | 308 |
| Credit loss provision to net charge-offs | -113.8365% | 4,599 |
| Earnings coverage of net charge-offs (x) | 7.4717% | 1,755 |
| Efficiency ratio | 64.2934% | 2,420 |
| Assets per employee ($millions) | 5.5777% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5908% | 4,371 |
| Loan loss allowance to noncurrent loans | 103.7534% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,253 |
| Noncurrent loans to loans | 0.5695% | 1,305 |
| Net loans and leases to total assets | 71.8400% | 1,441 |
| Net loans and leases to deposits | 82.7040% | 1,598 |
| Net loans and leases to core deposits | 83.9700% | 1,984 |
| Total domestic deposits to total assets | 86.8600% | 2,316 |
| Equity capital to assets | 8.4899% | 2,906 |
| Core capital (leverage) ratio | 8.7892% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7173% | 2,975 |
| Memoranda: | ||
| Average total assets | $361,157,000 | 2,194 |
| Average earning assets | $334,280,000 | 2,192 |
| Average equity | $29,943,500 | 2,296 |
| Average total loans | $259,410,000 | 1,977 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 2,030 |
| Cost of funding earning assets | 0.3988% | 2,120 |
| Net interest margin | 3.4842% | 1,976 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.9146% | 1,105 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7829% | 3,387 |
| Return on assets (ROA) | 0.6752% | 3,637 |
| Pretax return on assets | 0.9326% | 3,265 |
| Return on Equity (ROE) | 7.9900% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.9885% | 1,837 |
| Net charge-offs to loans | 0.0095% | 2,017 |
| Credit loss provision to net charge-offs | 1,090.9091% | 402 |
| Earnings coverage of net charge-offs (x) | 177.4091% | 708 |
| Efficiency ratio | 67.8353% | 1,983 |
| Assets per employee ($millions) | 5.6213% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 4,161 |
| Loan loss allowance to noncurrent loans | 172.3540% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 1,637 |
| Noncurrent loans to loans | 0.4268% | 1,651 |
| Net loans and leases to total assets | 70.8600% | 1,537 |
| Net loans and leases to deposits | 82.2779% | 1,595 |
| Net loans and leases to core deposits | 83.3132% | 1,911 |
| Total domestic deposits to total assets | 86.1200% | 2,691 |
| Equity capital to assets | 8.0906% | 3,002 |
| Core capital (leverage) ratio | 8.7459% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6166% | 3,017 |
| Memoranda: | ||
| Average total assets | $342,692,400 | 2,252 |
| Average earning assets | $317,487,400 | 2,251 |
| Average equity | $28,966,600 | 2,380 |
| Average total loans | $231,143,600 | 2,047 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 1,928 |
| Cost of funding earning assets | 0.3406% | 1,782 |
| Net interest margin | 3.3990% | 1,984 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.9048% | 1,044 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6867% | 3,599 |
| Return on assets (ROA) | 0.6824% | 3,574 |
| Pretax return on assets | 0.9424% | 3,201 |
| Return on Equity (ROE) | 7.9800% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.9819% | 2,003 |
| Net charge-offs to loans | 0.0136% | 1,612 |
| Credit loss provision to net charge-offs | 782.6087% | 477 |
| Earnings coverage of net charge-offs (x) | 112.4348% | 878 |
| Efficiency ratio | 69.7761% | 1,787 |
| Assets per employee ($millions) | 5.2618% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,175 |
| Loan loss allowance to noncurrent loans | 169.0102% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 1,687 |
| Noncurrent loans to loans | 0.4468% | 1,690 |
| Net loans and leases to total assets | 69.1500% | 1,555 |
| Net loans and leases to deposits | 81.5701% | 1,474 |
| Net loans and leases to core deposits | 82.2367% | 1,748 |
| Total domestic deposits to total assets | 84.7700% | 3,338 |
| Equity capital to assets | 7.9783% | 2,911 |
| Core capital (leverage) ratio | 8.8757% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6126% | 3,090 |
| Memoranda: | ||
| Average total assets | $338,424,500 | 2,279 |
| Average earning assets | $313,969,250 | 2,283 |
| Average equity | $28,931,500 | 2,413 |
| Average total loans | $224,726,000 | 2,080 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 1,728 |
| Cost of funding earning assets | 0.3189% | 1,539 |
| Net interest margin | 3.3179% | 1,858 |
| Noninterest income to average assets | 0.7542% | 1,164 |
| Noninterest expense to average assets | 2.9445% | 920 |
| Loan and lease loss provision to assets | 0.0715% | 1,338 |
| Net operating income to assets | 0.5966% | 3,633 |
| Return on assets (ROA) | 0.5890% | 3,604 |
| Pretax return on assets | 0.8114% | 3,291 |
| Return on Equity (ROE) | 6.7349% | 3,381 |
| Retained earnings to average equity (ytd only) | 6.7349% | 2,076 |
| Net charge-offs to loans | 0.0256% | 1,209 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 53.4643% | 1,134 |
| Efficiency ratio | 72.3431% | 1,705 |
| Assets per employee ($millions) | 4.8905% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 4,212 |
| Loan loss allowance to noncurrent loans | 151.3746% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 1,594 |
| Noncurrent loans to loans | 0.5121% | 1,600 |
| Net loans and leases to total assets | 67.8181% | 1,492 |
| Net loans and leases to deposits | 77.9179% | 1,546 |
| Net loans and leases to core deposits | 78.5649% | 1,813 |
| Total domestic deposits to total assets | 87.0380% | 2,923 |
| Equity capital to assets | 8.5495% | 2,725 |
| Core capital (leverage) ratio | 8.7839% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0518% | 3,009 |
| Memoranda: | ||
| Average total assets | $335,472,667 | 2,307 |
| Average earning assets | $311,699,667 | 2,320 |
| Average equity | $29,339,667 | 2,447 |
| Average total loans | $218,983,333 | 2,114 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 1,669 |
| Cost of funding earning assets | 0.3227% | 1,437 |
| Net interest margin | 3.2185% | 1,822 |
| Noninterest income to average assets | 0.7230% | 1,240 |
| Noninterest expense to average assets | 2.9656% | 862 |
| Loan and lease loss provision to assets | 0.0712% | 1,154 |
| Net operating income to assets | 0.4974% | 3,720 |
| Return on assets (ROA) | 0.4927% | 3,699 |
| Pretax return on assets | 0.6755% | 3,459 |
| Return on Equity (ROE) | 5.5717% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.5717% | 2,390 |
| Net charge-offs to loans | 0.0503% | 787 |
| Credit loss provision to net charge-offs | 222.2222% | 746 |
| Earnings coverage of net charge-offs (x) | 23.4815% | 1,227 |
| Efficiency ratio | 75.2554% | 1,608 |
| Assets per employee ($millions) | 5.2340% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 4,278 |
| Loan loss allowance to noncurrent loans | 114.9123% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 1,365 |
| Noncurrent loans to loans | 0.6787% | 1,400 |
| Net loans and leases to total assets | 63.6826% | 1,660 |
| Net loans and leases to deposits | 73.1438% | 1,682 |
| Net loans and leases to core deposits | 73.7277% | 1,965 |
| Total domestic deposits to total assets | 87.0650% | 2,901 |
| Equity capital to assets | 8.6356% | 3,037 |
| Core capital (leverage) ratio | 8.5192% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2322% | 3,021 |
| Memoranda: | ||
| Average total assets | $336,930,500 | 2,315 |
| Average earning assets | $313,559,500 | 2,320 |
| Average equity | $29,793,500 | 2,492 |
| Average total loans | $214,827,000 | 2,140 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 1,642 |
| Cost of funding earning assets | 0.4348% | 1,290 |
| Net interest margin | 3.4549% | 1,868 |
| Noninterest income to average assets | 0.8338% | 1,363 |
| Noninterest expense to average assets | 3.1147% | 829 |
| Loan and lease loss provision to assets | 0.0914% | 1,367 |
| Net operating income to assets | 0.5866% | 3,904 |
| Return on assets (ROA) | 0.6643% | 3,766 |
| Pretax return on assets | 0.9487% | 3,380 |
| Return on Equity (ROE) | 7.1774% | 3,468 |
| Retained earnings to average equity (ytd only) | 3.0949% | 3,593 |
| Net charge-offs to loans | 0.0777% | 1,017 |
| Credit loss provision to net charge-offs | 181.8182% | 1,359 |
| Earnings coverage of net charge-offs (x) | 18.7273% | 1,902 |
| Efficiency ratio | 72.5415% | 1,453 |
| Assets per employee ($millions) | 4.9799% | 3,750 |
| Cash dividends to net income (ytd only)* | 56.8807% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,280 |
| Loan loss allowance to noncurrent loans | 103.5338% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 1,349 |
| Noncurrent loans to loans | 0.7634% | 1,330 |
| Net loans and leases to total assets | 62.8280% | 1,845 |
| Net loans and leases to deposits | 72.6371% | 1,850 |
| Net loans and leases to core deposits | 73.2321% | 2,141 |
| Total domestic deposits to total assets | 86.4958% | 2,713 |
| Equity capital to assets | 9.0537% | 3,563 |
| Core capital (leverage) ratio | 8.0329% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0803% | 3,037 |
| Memoranda: | ||
| Average total assets | $328,150,000 | 2,303 |
| Average earning assets | $306,086,000 | 2,300 |
| Average equity | $30,373,000 | 2,509 |
| Average total loans | $212,316,200 | 2,155 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 1,651 |
| Cost of funding earning assets | 0.4588% | 1,294 |
| Net interest margin | 3.4870% | 1,904 |
| Noninterest income to average assets | 0.8654% | 1,333 |
| Noninterest expense to average assets | 3.0940% | 829 |
| Loan and lease loss provision to assets | 0.0918% | 1,303 |
| Net operating income to assets | 0.6381% | 3,930 |
| Return on assets (ROA) | 0.7393% | 3,739 |
| Pretax return on assets | 1.0604% | 3,299 |
| Return on Equity (ROE) | 7.9434% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.9625% | 3,234 |
| Net charge-offs to loans | 0.1399% | 583 |
| Credit loss provision to net charge-offs | 100.8969% | 1,569 |
| Earnings coverage of net charge-offs (x) | 11.2556% | 2,008 |
| Efficiency ratio | 70.9303% | 1,497 |
| Assets per employee ($millions) | 4.9476% | 3,746 |
| Cash dividends to net income (ytd only)* | 37.5276% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 4,400 |
| Loan loss allowance to noncurrent loans | 81.8956% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 1,323 |
| Noncurrent loans to loans | 0.9362% | 1,225 |
| Net loans and leases to total assets | 60.0530% | 2,253 |
| Net loans and leases to deposits | 69.6304% | 2,279 |
| Net loans and leases to core deposits | 70.2821% | 2,568 |
| Total domestic deposits to total assets | 86.2454% | 2,649 |
| Equity capital to assets | 9.2893% | 3,568 |
| Core capital (leverage) ratio | 8.0702% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7038% | 3,017 |
| Memoranda: | ||
| Average total assets | $326,774,500 | 2,336 |
| Average earning assets | $304,819,500 | 2,334 |
| Average equity | $30,414,250 | 2,535 |
| Average total loans | $212,571,000 | 2,185 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 1,667 |
| Cost of funding earning assets | 0.4832% | 1,302 |
| Net interest margin | 3.4720% | 1,941 |
| Noninterest income to average assets | 0.9207% | 1,214 |
| Noninterest expense to average assets | 3.0645% | 888 |
| Loan and lease loss provision to assets | 0.0923% | 1,357 |
| Net operating income to assets | 0.6987% | 3,769 |
| Return on assets (ROA) | 0.7060% | 3,816 |
| Pretax return on assets | 1.0123% | 3,415 |
| Return on Equity (ROE) | 7.5806% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.0903% | 3,813 |
| Net charge-offs to loans | 0.0037% | 2,030 |
| Credit loss provision to net charge-offs | 3,750.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 445.2500% | 289 |
| Efficiency ratio | 69.4855% | 1,709 |
| Assets per employee ($millions) | 4.8670% | 3,776 |
| Cash dividends to net income (ytd only)* | 59.2334% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 4,348 |
| Loan loss allowance to noncurrent loans | 80.6328% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 1,266 |
| Noncurrent loans to loans | 1.0068% | 1,220 |
| Net loans and leases to total assets | 61.1947% | 2,283 |
| Net loans and leases to deposits | 71.0128% | 2,304 |
| Net loans and leases to core deposits | 71.7492% | 2,625 |
| Total domestic deposits to total assets | 86.1741% | 2,678 |
| Equity capital to assets | 9.0325% | 3,766 |
| Core capital (leverage) ratio | 7.9201% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6148% | 3,023 |
| Memoranda: | ||
| Average total assets | $325,203,000 | 2,332 |
| Average earning assets | $303,401,000 | 2,330 |
| Average equity | $30,288,000 | 2,532 |
| Average total loans | $216,559,000 | 2,166 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 1,454 |
| Cost of funding earning assets | 0.5165% | 1,291 |
| Net interest margin | 3.5538% | 1,694 |
| Noninterest income to average assets | 1.0153% | 1,104 |
| Noninterest expense to average assets | 3.1185% | 818 |
| Loan and lease loss provision to assets | 0.0938% | 1,426 |
| Net operating income to assets | 0.7779% | 3,492 |
| Return on assets (ROA) | 0.7928% | 3,517 |
| Pretax return on assets | 1.1341% | 3,029 |
| Return on Equity (ROE) | 8.3792% | 3,220 |
| Retained earnings to average equity (ytd only) | 8.3792% | 2,129 |
| Net charge-offs to loans | -0.0018% | 3,119 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9861% | 1,936 |
| Assets per employee ($millions) | 4.9924% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,494 |
| Loan loss allowance to noncurrent loans | 74.0009% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 1,370 |
| Noncurrent loans to loans | 1.0090% | 1,327 |
| Net loans and leases to total assets | 64.9937% | 1,922 |
| Net loans and leases to deposits | 75.6245% | 1,956 |
| Net loans and leases to core deposits | 76.3364% | 2,322 |
| Total domestic deposits to total assets | 85.9427% | 2,756 |
| Equity capital to assets | 9.2352% | 3,465 |
| Core capital (leverage) ratio | 8.1872% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9015% | 2,945 |
| Memoranda: | ||
| Average total assets | $319,894,500 | 2,343 |
| Average earning assets | $298,159,000 | 2,346 |
| Average equity | $30,265,500 | 2,525 |
| Average total loans | $221,245,500 | 2,143 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 1,554 |
| Cost of funding earning assets | 0.7560% | 1,421 |
| Net interest margin | 3.6560% | 1,956 |
| Noninterest income to average assets | 0.7816% | 1,581 |
| Noninterest expense to average assets | 3.3578% | 837 |
| Loan and lease loss provision to assets | 0.1013% | 3,066 |
| Net operating income to assets | 0.4642% | 4,111 |
| Return on assets (ROA) | 0.5213% | 4,066 |
| Pretax return on assets | 0.7583% | 3,742 |
| Return on Equity (ROE) | 5.1555% | 3,861 |
| Retained earnings to average equity (ytd only) | 1.1520% | 4,166 |
| Net charge-offs to loans | -0.0055% | 4,163 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4030% | 1,179 |
| Assets per employee ($millions) | 4.7737% | 3,634 |
| Cash dividends to net income (ytd only)* | 77.6554% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 4,624 |
| Loan loss allowance to noncurrent loans | 51.0306% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 932 |
| Noncurrent loans to loans | 1.3267% | 1,023 |
| Net loans and leases to total assets | 72.5745% | 1,216 |
| Net loans and leases to deposits | 85.3481% | 1,309 |
| Net loans and leases to core deposits | 86.3946% | 1,837 |
| Total domestic deposits to total assets | 85.0336% | 2,746 |
| Equity capital to assets | 9.7010% | 3,402 |
| Core capital (leverage) ratio | 8.2483% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1081% | 3,074 |
| Memoranda: | ||
| Average total assets | $296,177,600 | 2,308 |
| Average earning assets | $272,481,800 | 2,331 |
| Average equity | $29,948,800 | 2,477 |
| Average total loans | $218,148,800 | 2,114 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 1,704 |
| Cost of funding earning assets | 0.8114% | 1,438 |
| Net interest margin | 3.6370% | 2,133 |
| Noninterest income to average assets | 0.7649% | 1,610 |
| Noninterest expense to average assets | 3.3933% | 804 |
| Loan and lease loss provision to assets | 0.1025% | 3,037 |
| Net operating income to assets | 0.4031% | 4,259 |
| Return on assets (ROA) | 0.4779% | 4,168 |
| Pretax return on assets | 0.6989% | 3,902 |
| Return on Equity (ROE) | 4.6760% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.6983% | 4,032 |
| Net charge-offs to loans | -0.0025% | 3,913 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0531% | 1,028 |
| Assets per employee ($millions) | 4.2684% | 4,070 |
| Cash dividends to net income (ytd only)* | 63.6797% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 4,690 |
| Loan loss allowance to noncurrent loans | 42.9459% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 905 |
| Noncurrent loans to loans | 1.4594% | 987 |
| Net loans and leases to total assets | 74.9123% | 1,250 |
| Net loans and leases to deposits | 88.4160% | 1,438 |
| Net loans and leases to core deposits | 89.6912% | 2,005 |
| Total domestic deposits to total assets | 84.7271% | 2,540 |
| Equity capital to assets | 9.8076% | 3,421 |
| Core capital (leverage) ratio | 8.3815% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1421% | 3,076 |
| Memoranda: | ||
| Average total assets | $292,650,000 | 2,312 |
| Average earning assets | $268,350,000 | 2,341 |
| Average equity | $29,910,750 | 2,479 |
| Average total loans | $216,004,750 | 2,128 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 1,720 |
| Cost of funding earning assets | 0.8653% | 1,517 |
| Net interest margin | 3.7070% | 2,136 |
| Noninterest income to average assets | 0.7256% | 1,652 |
| Noninterest expense to average assets | 3.3730% | 889 |
| Loan and lease loss provision to assets | 0.1043% | 2,970 |
| Net operating income to assets | 0.4197% | 4,187 |
| Return on assets (ROA) | 0.5345% | 4,000 |
| Pretax return on assets | 0.7791% | 3,652 |
| Return on Equity (ROE) | 5.1552% | 3,787 |
| Retained earnings to average equity (ytd only) | 0.6771% | 4,167 |
| Net charge-offs to loans | -0.0019% | 3,811 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2612% | 1,127 |
| Assets per employee ($millions) | 4.2645% | 4,043 |
| Cash dividends to net income (ytd only)* | 86.8661% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6087% | 4,732 |
| Loan loss allowance to noncurrent loans | 35.1572% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 753 |
| Noncurrent loans to loans | 1.7315% | 831 |
| Net loans and leases to total assets | 74.1486% | 1,392 |
| Net loans and leases to deposits | 88.2912% | 1,524 |
| Net loans and leases to core deposits | 90.1855% | 2,061 |
| Total domestic deposits to total assets | 83.9819% | 2,749 |
| Equity capital to assets | 9.8508% | 3,326 |
| Core capital (leverage) ratio | 8.2704% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2281% | 3,135 |
| Memoranda: | ||
| Average total assets | $287,759,333 | 2,322 |
| Average earning assets | $262,800,667 | 2,348 |
| Average equity | $29,834,000 | 2,476 |
| Average total loans | $210,781,667 | 2,146 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 1,902 |
| Cost of funding earning assets | 0.9015% | 1,856 |
| Net interest margin | 3.7306% | 2,216 |
| Noninterest income to average assets | 0.7051% | 1,633 |
| Noninterest expense to average assets | 3.4027% | 1,063 |
| Loan and lease loss provision to assets | 0.1070% | 2,343 |
| Net operating income to assets | 0.3951% | 4,146 |
| Return on assets (ROA) | 0.6252% | 3,588 |
| Pretax return on assets | 0.9063% | 3,122 |
| Return on Equity (ROE) | 5.8717% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.8717% | 1,928 |
| Net charge-offs to loans | -0.0079% | 3,994 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6125% | 1,383 |
| Assets per employee ($millions) | 3.9298% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 4,700 |
| Loan loss allowance to noncurrent loans | 28.9784% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.6427% | 615 |
| Noncurrent loans to loans | 2.2177% | 602 |
| Net loans and leases to total assets | 71.1444% | 2,061 |
| Net loans and leases to deposits | 85.9264% | 2,011 |
| Net loans and leases to core deposits | 87.9242% | 2,524 |
| Total domestic deposits to total assets | 82.7969% | 3,174 |
| Equity capital to assets | 10.6304% | 3,207 |
| Core capital (leverage) ratio | 9.0721% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4946% | 3,227 |
| Memoranda: | ||
| Average total assets | $280,250,500 | 2,323 |
| Average earning assets | $256,905,000 | 2,339 |
| Average equity | $29,838,000 | 2,464 |
| Average total loans | $203,232,500 | 2,158 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9557% | 1,600 |
| Cost of funding earning assets | 0.8856% | 2,258 |
| Net interest margin | 4.0701% | 1,622 |
| Noninterest income to average assets | 0.7553% | 1,608 |
| Noninterest expense to average assets | 3.9483% | 564 |
| Loan and lease loss provision to assets | 0.0702% | 2,597 |
| Net operating income to assets | 0.3474% | 4,683 |
| Return on assets (ROA) | 0.3508% | 4,707 |
| Pretax return on assets | 0.4735% | 4,617 |
| Return on Equity (ROE) | 3.2838% | 4,612 |
| Retained earnings to average equity (ytd only) | 0.5018% | 4,545 |
| Net charge-offs to loans | 0.0144% | 3,188 |
| Credit loss provision to net charge-offs | 650.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 49.9667% | 1,131 |
| Efficiency ratio | 83.1302% | 720 |
| Assets per employee ($millions) | 3.6521% | 4,318 |
| Cash dividends to net income (ytd only)* | 84.7179% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5999% | 4,741 |
| Loan loss allowance to noncurrent loans | 28.7292% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 617 |
| Noncurrent loans to loans | 2.0881% | 605 |
| Net loans and leases to total assets | 73.0089% | 1,921 |
| Net loans and leases to deposits | 88.2595% | 1,809 |
| Net loans and leases to core deposits | 90.5881% | 2,366 |
| Total domestic deposits to total assets | 82.7207% | 3,297 |
| Equity capital to assets | 10.6637% | 3,292 |
| Core capital (leverage) ratio | 8.9090% | 4,595 |
| Tier 1 risk-based capital ratio | 10.8099% | 4,922 |
| Total risk-based capital ratio | 11.3565% | 5,063 |
| Memoranda: | ||
| Average total assets | $277,916,800 | 2,283 |
| Average earning assets | $254,857,600 | 2,305 |
| Average equity | $29,691,000 | 2,412 |
| Average total loans | $207,706,200 | 2,109 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 1,495 |
| Cost of funding earning assets | 0.8765% | 2,338 |
| Net interest margin | 4.1384% | 1,532 |
| Noninterest income to average assets | 0.7645% | 1,541 |
| Noninterest expense to average assets | 4.1566% | 438 |
| Loan and lease loss provision to assets | 0.0576% | 2,747 |
| Net operating income to assets | 0.2738% | 4,870 |
| Return on assets (ROA) | 0.2738% | 4,884 |
| Pretax return on assets | 0.3477% | 4,859 |
| Return on Equity (ROE) | 2.5621% | 4,830 |
| Retained earnings to average equity (ytd only) | 1.9878% | 4,275 |
| Net charge-offs to loans | 0.0243% | 2,618 |
| Credit loss provision to net charge-offs | 315.7895% | 924 |
| Earnings coverage of net charge-offs (x) | 22.2349% | 1,877 |
| Efficiency ratio | 86.2384% | 488 |
| Assets per employee ($millions) | 3.3304% | 4,646 |
| Cash dividends to net income (ytd only)* | 22.4166% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5473% | 4,904 |
| Loan loss allowance to noncurrent loans | 26.4993% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.6430% | 630 |
| Noncurrent loans to loans | 2.0653% | 645 |
| Net loans and leases to total assets | 75.8575% | 1,508 |
| Net loans and leases to deposits | 92.2675% | 1,406 |
| Net loans and leases to core deposits | 94.8617% | 2,095 |
| Total domestic deposits to total assets | 82.2147% | 3,410 |
| Equity capital to assets | 10.9579% | 3,136 |
| Core capital (leverage) ratio | 9.0665% | 4,584 |
| Tier 1 risk-based capital ratio | 10.5671% | 5,058 |
| Total risk-based capital ratio | 11.0620% | 5,181 |
| Memoranda: | ||
| Average total assets | $278,006,500 | 2,299 |
| Average earning assets | $255,101,750 | 2,317 |
| Average equity | $29,714,250 | 2,426 |
| Average total loans | $208,666,500 | 2,116 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 1,752 |
| Cost of funding earning assets | 0.8436% | 2,430 |
| Net interest margin | 4.0569% | 1,734 |
| Noninterest income to average assets | 0.6959% | 1,734 |
| Noninterest expense to average assets | 3.7755% | 681 |
| Loan and lease loss provision to assets | 0.0358% | 3,104 |
| Net operating income to assets | 0.4670% | 4,601 |
| Return on assets (ROA) | 0.4670% | 4,633 |
| Pretax return on assets | 0.6165% | 4,513 |
| Return on Equity (ROE) | 4.4056% | 4,492 |
| Retained earnings to average equity (ytd only) | 3.5420% | 3,472 |
| Net charge-offs to loans | 0.0421% | 2,054 |
| Credit loss provision to net charge-offs | 113.6364% | 1,814 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,760 |
| Efficiency ratio | 79.8902% | 978 |
| Assets per employee ($millions) | 3.3476% | 4,665 |
| Cash dividends to net income (ytd only)* | 19.6018% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5049% | 5,009 |
| Loan loss allowance to noncurrent loans | 21.4041% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.9166% | 496 |
| Noncurrent loans to loans | 2.3589% | 538 |
| Net loans and leases to total assets | 76.3812% | 1,494 |
| Net loans and leases to deposits | 93.3971% | 1,323 |
| Net loans and leases to core deposits | 96.0093% | 2,069 |
| Total domestic deposits to total assets | 81.7812% | 3,584 |
| Equity capital to assets | 10.9325% | 3,146 |
| Core capital (leverage) ratio | 8.8932% | 4,718 |
| Tier 1 risk-based capital ratio | 10.3569% | 5,153 |
| Total risk-based capital ratio | 10.8105% | 5,253 |
| Memoranda: | ||
| Average total assets | $279,645,000 | 2,298 |
| Average earning assets | $257,242,670 | 2,315 |
| Average equity | $29,644,000 | 2,421 |
| Average total loans | $208,788,670 | 2,120 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 1,649 |
| Cost of funding earning assets | 0.7823% | 2,633 |
| Net interest margin | 4.0992% | 1,549 |
| Noninterest income to average assets | 0.6293% | 1,915 |
| Noninterest expense to average assets | 3.6015% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6038% | 4,231 |
| Return on assets (ROA) | 0.6038% | 4,270 |
| Pretax return on assets | 0.8079% | 4,020 |
| Return on Equity (ROE) | 5.7839% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.7839% | 2,550 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3420% | 1,461 |
| Assets per employee ($millions) | 3.6161% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5140% | 5,066 |
| Loan loss allowance to noncurrent loans | 62.3308% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 2,021 |
| Noncurrent loans to loans | 0.8246% | 1,995 |
| Net loans and leases to total assets | 72.6742% | 2,046 |
| Net loans and leases to deposits | 88.5669% | 1,799 |
| Net loans and leases to core deposits | 90.9015% | 2,408 |
| Total domestic deposits to total assets | 82.0557% | 3,710 |
| Equity capital to assets | 10.5550% | 3,301 |
| Core capital (leverage) ratio | 8.7917% | 4,797 |
| Tier 1 risk-based capital ratio | 10.6694% | 5,125 |
| Total risk-based capital ratio | 11.1397% | 5,262 |
| Memoranda: | ||
| Average total assets | $282,216,500 | 2,301 |
| Average earning assets | $260,246,000 | 2,314 |
| Average equity | $29,461,000 | 2,440 |
| Average total loans | $207,817,000 | 2,148 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 2,434 |
| Cost of funding earning assets | 0.6331% | 2,502 |
| Net interest margin | 3.8758% | 2,410 |
| Noninterest income to average assets | 0.5422% | 2,596 |
| Noninterest expense to average assets | 3.7389% | 738 |
| Loan and lease loss provision to assets | 0.1807% | 1,085 |
| Net operating income to assets | 0.5521% | 4,544 |
| Return on assets (ROA) | 0.5521% | 4,540 |
| Pretax return on assets | 0.2551% | 5,081 |
| Return on Equity (ROE) | 5.4347% | 4,342 |
| Retained earnings to average equity (ytd only) | 2.7961% | 4,000 |
| Net charge-offs to loans | 0.0209% | 3,008 |
| Credit loss provision to net charge-offs | 1,093.7500% | 360 |
| Earnings coverage of net charge-offs (x) | 26.3750% | 1,727 |
| Efficiency ratio | 87.7660% | 445 |
| Assets per employee ($millions) | 3.5744% | 4,474 |
| Cash dividends to net income (ytd only)* | 48.5500% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5048% | 5,114 |
| Loan loss allowance to noncurrent loans | 65.6328% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 2,067 |
| Noncurrent loans to loans | 0.7691% | 2,077 |
| Net loans and leases to total assets | 73.8499% | 1,964 |
| Net loans and leases to deposits | 89.6389% | 1,843 |
| Net loans and leases to core deposits | 92.1083% | 2,395 |
| Total domestic deposits to total assets | 82.3860% | 3,525 |
| Equity capital to assets | 10.3234% | 3,353 |
| Core capital (leverage) ratio | 8.7694% | 4,832 |
| Tier 1 risk-based capital ratio | 10.3367% | 5,233 |
| Total risk-based capital ratio | 10.8034% | 5,344 |
| Memoranda: | ||
| Average total assets | $193,638,600 | 2,929 |
| Average earning assets | $181,487,400 | 2,902 |
| Average equity | $19,670,000 | 3,113 |
| Average total loans | $153,448,600 | 2,604 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 1,609 |
| Cost of funding earning assets | 0.6565% | 2,115 |
| Net interest margin | 4.0664% | 1,735 |
| Noninterest income to average assets | 0.5700% | 2,472 |
| Noninterest expense to average assets | 3.6969% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0638% | 2,811 |
| Return on assets (ROA) | 1.0638% | 2,823 |
| Pretax return on assets | 0.7217% | 4,488 |
| Return on Equity (ROE) | 10.5432% | 2,378 |
| Retained earnings to average equity (ytd only) | 6.9287% | 2,163 |
| Net charge-offs to loans | 0.0296% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 29.9371% | 1,612 |
| Efficiency ratio | 82.3830% | 751 |
| Assets per employee ($millions) | 3.7280% | 4,265 |
| Cash dividends to net income (ytd only)* | 34.2838% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4851% | 5,206 |
| Loan loss allowance to noncurrent loans | 188.0637% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,842 |
| Noncurrent loans to loans | 0.2580% | 3,765 |
| Net loans and leases to total assets | 84.8065% | 376 |
| Net loans and leases to deposits | 109.2192% | 313 |
| Net loans and leases to core deposits | 110.2893% | 1,015 |
| Total domestic deposits to total assets | 77.6480% | 4,542 |
| Equity capital to assets | 10.4526% | 3,186 |
| Core capital (leverage) ratio | 10.2189% | 3,382 |
| Tier 1 risk-based capital ratio | 11.0474% | 5,012 |
| Total risk-based capital ratio | 11.5039% | 5,243 |
| Memoranda: | ||
| Average total assets | $171,454,000 | 3,177 |
| Average earning assets | $162,268,250 | 3,139 |
| Average equity | $17,299,750 | 3,393 |
| Average total loans | $139,412,500 | 2,793 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 1,674 |
| Cost of funding earning assets | 0.6410% | 1,981 |
| Net interest margin | 3.9951% | 1,879 |
| Noninterest income to average assets | 0.5273% | 2,712 |
| Noninterest expense to average assets | 3.4904% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8248% | 3,773 |
| Return on assets (ROA) | 0.8248% | 3,778 |
| Pretax return on assets | 0.8248% | 4,177 |
| Return on Equity (ROE) | 8.2732% | 3,375 |
| Retained earnings to average equity (ytd only) | 2.7850% | 4,139 |
| Net charge-offs to loans | -0.0029% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5620% | 1,059 |
| Assets per employee ($millions) | 3.6784% | 4,378 |
| Cash dividends to net income (ytd only)* | 66.3366% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5224% | 5,228 |
| Loan loss allowance to noncurrent loans | 121.4403% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 3,337 |
| Noncurrent loans to loans | 0.4301% | 3,156 |
| Net loans and leases to total assets | 81.7324% | 739 |
| Net loans and leases to deposits | 103.0281% | 590 |
| Net loans and leases to core deposits | 104.0040% | 1,398 |
| Total domestic deposits to total assets | 79.3302% | 4,370 |
| Equity capital to assets | 9.9586% | 3,667 |
| Core capital (leverage) ratio | 9.6242% | 3,971 |
| Tier 1 risk-based capital ratio | 10.9263% | 5,095 |
| Total risk-based capital ratio | 11.4184% | 5,313 |
| Memoranda: | ||
| Average total assets | $171,442,670 | 3,200 |
| Average earning assets | $162,550,670 | 3,153 |
| Average equity | $17,091,330 | 3,436 |
| Average total loans | $137,169,330 | 2,830 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 1,749 |
| Cost of funding earning assets | 0.6224% | 1,900 |
| Net interest margin | 3.9170% | 1,975 |
| Noninterest income to average assets | 0.4241% | 3,283 |
| Noninterest expense to average assets | 3.4770% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6631% | 4,231 |
| Return on assets (ROA) | 0.6631% | 4,239 |
| Pretax return on assets | 0.6631% | 4,535 |
| Return on Equity (ROE) | 6.6477% | 3,925 |
| Retained earnings to average equity (ytd only) | -0.7517% | 4,889 |
| Net charge-offs to loans | -0.0119% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6259% | 893 |
| Assets per employee ($millions) | 3.9396% | 4,082 |
| Cash dividends to net income (ytd only)* | 111.3074% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5491% | 5,263 |
| Loan loss allowance to noncurrent loans | 143.6293% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,328 |
| Noncurrent loans to loans | 0.3823% | 3,413 |
| Net loans and leases to total assets | 77.7434% | 1,277 |
| Net loans and leases to deposits | 97.5829% | 902 |
| Net loans and leases to core deposits | 101.0778% | 1,607 |
| Total domestic deposits to total assets | 79.6691% | 4,464 |
| Equity capital to assets | 9.7847% | 3,806 |
| Core capital (leverage) ratio | 9.4392% | 4,140 |
| Tier 1 risk-based capital ratio | 11.0438% | 5,111 |
| Total risk-based capital ratio | 11.5516% | 5,338 |
| Memoranda: | ||
| Average total assets | $170,721,500 | 3,241 |
| Average earning assets | $161,960,000 | 3,189 |
| Average equity | $17,028,500 | 3,474 |
| Average total loans | $134,731,500 | 2,876 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 1,906 |
| Cost of funding earning assets | 0.4862% | 2,450 |
| Net interest margin | 3.9568% | 1,892 |
| Noninterest income to average assets | 0.6112% | 2,397 |
| Noninterest expense to average assets | 3.3569% | 1,272 |
| Loan and lease loss provision to assets | 0.0309% | 3,658 |
| Net operating income to assets | 0.9514% | 2,439 |
| Return on assets (ROA) | 0.9514% | 2,471 |
| Pretax return on assets | 0.9514% | 3,729 |
| Return on Equity (ROE) | 9.1788% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.6692% | 3,044 |
| Net charge-offs to loans | 0.0016% | 4,066 |
| Credit loss provision to net charge-offs | 2,500.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 795.5000% | 105 |
| Efficiency ratio | 75.9676% | 1,622 |
| Assets per employee ($millions) | 4.1000% | 3,809 |
| Cash dividends to net income (ytd only)* | 60.0260% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5524% | 5,321 |
| Loan loss allowance to noncurrent loans | 226.9939% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,801 |
| Noncurrent loans to loans | 0.2434% | 3,928 |
| Net loans and leases to total assets | 79.2482% | 1,073 |
| Net loans and leases to deposits | 100.2204% | 711 |
| Net loans and leases to core deposits | 102.7267% | 1,508 |
| Total domestic deposits to total assets | 79.0739% | 4,528 |
| Equity capital to assets | 10.1701% | 3,522 |
| Core capital (leverage) ratio | 10.0400% | 3,404 |
| Tier 1 risk-based capital ratio | 11.3542% | 4,946 |
| Total risk-based capital ratio | 11.8724% | 5,225 |
| Memoranda: | ||
| Average total assets | $161,964,800 | 3,326 |
| Average earning assets | $152,597,400 | 3,291 |
| Average equity | $16,788,600 | 3,504 |
| Average total loans | $126,735,200 | 2,969 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 1,979 |
| Cost of funding earning assets | 0.4691% | 2,530 |
| Net interest margin | 3.9248% | 1,949 |
| Noninterest income to average assets | 0.6283% | 2,318 |
| Noninterest expense to average assets | 3.3301% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9906% | 2,594 |
| Return on assets (ROA) | 0.9906% | 2,650 |
| Pretax return on assets | 0.9906% | 3,720 |
| Return on Equity (ROE) | 9.5100% | 2,346 |
| Retained earnings to average equity (ytd only) | 3.9333% | 3,581 |
| Net charge-offs to loans | 0.0085% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 148.9494% | 540 |
| Efficiency ratio | 75.6492% | 1,646 |
| Assets per employee ($millions) | 3.8145% | 4,291 |
| Cash dividends to net income (ytd only)* | 58.6413% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5156% | 5,441 |
| Loan loss allowance to noncurrent loans | 161.7021% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 3,655 |
| Noncurrent loans to loans | 0.3189% | 3,807 |
| Net loans and leases to total assets | 82.3797% | 622 |
| Net loans and leases to deposits | 103.6992% | 514 |
| Net loans and leases to core deposits | 106.6635% | 1,226 |
| Total domestic deposits to total assets | 79.4410% | 4,450 |
| Equity capital to assets | 10.6706% | 3,194 |
| Core capital (leverage) ratio | 10.0552% | 3,500 |
| Tier 1 risk-based capital ratio | 11.4434% | 4,991 |
| Total risk-based capital ratio | 11.9304% | 5,309 |
| Memoranda: | ||
| Average total assets | $160,430,750 | 3,370 |
| Average earning assets | $150,934,250 | 3,343 |
| Average equity | $16,711,750 | 3,545 |
| Average total loans | $124,929,750 | 3,013 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,369 |
| Cost of funding earning assets | 0.4552% | 2,553 |
| Net interest margin | 3.7724% | 2,394 |
| Noninterest income to average assets | 0.6392% | 2,261 |
| Noninterest expense to average assets | 3.3681% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8236% | 3,278 |
| Return on assets (ROA) | 0.8236% | 3,336 |
| Pretax return on assets | 0.8236% | 4,189 |
| Return on Equity (ROE) | 7.9715% | 3,048 |
| Retained earnings to average equity (ytd only) | 2.7979% | 4,035 |
| Net charge-offs to loans | 0.0523% | 2,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 20.6563% | 1,784 |
| Efficiency ratio | 78.8942% | 1,346 |
| Assets per employee ($millions) | 3.6976% | 4,440 |
| Cash dividends to net income (ytd only)* | 64.9017% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5031% | 5,516 |
| Loan loss allowance to noncurrent loans | 193.5484% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 3,977 |
| Noncurrent loans to loans | 0.2600% | 4,106 |
| Net loans and leases to total assets | 80.2214% | 919 |
| Net loans and leases to deposits | 100.2504% | 720 |
| Net loans and leases to core deposits | 103.4290% | 1,399 |
| Total domestic deposits to total assets | 80.0210% | 4,404 |
| Equity capital to assets | 10.3481% | 3,515 |
| Core capital (leverage) ratio | 10.0035% | 3,531 |
| Tier 1 risk-based capital ratio | 11.2399% | 5,122 |
| Total risk-based capital ratio | 11.7097% | 5,403 |
| Memoranda: | ||
| Average total assets | $160,505,330 | 3,391 |
| Average earning assets | $151,149,670 | 3,354 |
| Average equity | $16,584,000 | 3,570 |
| Average total loans | $122,352,330 | 3,060 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 2,549 |
| Cost of funding earning assets | 0.4431% | 2,587 |
| Net interest margin | 3.6866% | 2,528 |
| Noninterest income to average assets | 0.5244% | 2,803 |
| Noninterest expense to average assets | 3.4452% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5445% | 4,405 |
| Return on assets (ROA) | 0.5445% | 4,445 |
| Pretax return on assets | 0.5445% | 4,853 |
| Return on Equity (ROE) | 5.2740% | 4,268 |
| Retained earnings to average equity (ytd only) | -1.0451% | 5,073 |
| Net charge-offs to loans | 0.1289% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.7105% | 2,268 |
| Efficiency ratio | 84.7799% | 906 |
| Assets per employee ($millions) | 3.5807% | 4,676 |
| Cash dividends to net income (ytd only)* | 119.8157% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5457% | 5,548 |
| Loan loss allowance to noncurrent loans | 184.7458% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,990 |
| Noncurrent loans to loans | 0.2954% | 4,058 |
| Net loans and leases to total assets | 73.9752% | 1,748 |
| Net loans and leases to deposits | 93.4292% | 1,172 |
| Net loans and leases to core deposits | 94.7467% | 1,912 |
| Total domestic deposits to total assets | 79.1778% | 4,792 |
| Equity capital to assets | 10.2352% | 3,478 |
| Core capital (leverage) ratio | 9.8605% | 3,679 |
| Tier 1 risk-based capital ratio | 11.8707% | 4,795 |
| Total risk-based capital ratio | 12.3717% | 5,142 |
| Memoranda: | ||
| Average total assets | $159,410,000 | 3,441 |
| Average earning assets | $149,838,500 | 3,401 |
| Average equity | $16,458,000 | 3,608 |
| Average total loans | $117,940,000 | 3,143 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,089 |
| Cost of funding earning assets | 0.4334% | 2,673 |
| Net interest margin | 3.8842% | 2,011 |
| Noninterest income to average assets | 0.8179% | 1,688 |
| Noninterest expense to average assets | 3.4887% | 1,184 |
| Loan and lease loss provision to assets | -0.0393% | 5,560 |
| Net operating income to assets | 0.9988% | 2,357 |
| Return on assets (ROA) | 1.0250% | 2,343 |
| Pretax return on assets | 1.0250% | 3,385 |
| Return on Equity (ROE) | 9.5044% | 2,192 |
| Retained earnings to average equity (ytd only) | -3.9136% | 5,631 |
| Net charge-offs to loans | 0.0463% | 3,112 |
| Credit loss provision to net charge-offs | -111.1111% | 4,909 |
| Earnings coverage of net charge-offs (x) | 27.1111% | 1,524 |
| Efficiency ratio | 76.9854% | 1,852 |
| Assets per employee ($millions) | 3.6672% | 4,525 |
| Cash dividends to net income (ytd only)* | 141.1765% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 5,540 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 2,981 |
| Noncurrent loans to loans | 0.4473% | 3,546 |
| Net loans and leases to total assets | 73.1421% | 1,987 |
| Net loans and leases to deposits | 93.1128% | 1,285 |
| Net loans and leases to core deposits | 94.9518% | 2,014 |
| Total domestic deposits to total assets | 78.5521% | 4,886 |
| Equity capital to assets | 10.4154% | 3,253 |
| Core capital (leverage) ratio | 10.1071% | 3,354 |
| Tier 1 risk-based capital ratio | 12.3238% | 4,492 |
| Total risk-based capital ratio | 12.8716% | 4,883 |
| Memoranda: | ||
| Average total assets | $152,579,000 | 3,477 |
| Average earning assets | $142,602,800 | 3,470 |
| Average equity | $16,455,600 | 3,628 |
| Average total loans | $116,711,800 | 3,117 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,097 |
| Cost of funding earning assets | 0.4301% | 2,738 |
| Net interest margin | 3.8946% | 1,992 |
| Noninterest income to average assets | 0.7693% | 1,887 |
| Noninterest expense to average assets | 3.4967% | 1,153 |
| Loan and lease loss provision to assets | -0.0529% | 5,722 |
| Net operating income to assets | 0.9641% | 2,597 |
| Return on assets (ROA) | 0.9641% | 2,733 |
| Pretax return on assets | 0.9641% | 3,766 |
| Return on Equity (ROE) | 8.8598% | 2,575 |
| Retained earnings to average equity (ytd only) | -7.4021% | 5,803 |
| Net charge-offs to loans | 0.0080% | 3,643 |
| Credit loss provision to net charge-offs | -857.1429% | 5,186 |
| Earnings coverage of net charge-offs (x) | 147.7631% | 470 |
| Efficiency ratio | 77.8689% | 1,703 |
| Assets per employee ($millions) | 3.3743% | 4,951 |
| Cash dividends to net income (ytd only)* | 183.5469% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 5,584 |
| Loan loss allowance to noncurrent loans | 95.2320% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 1,472 |
| Noncurrent loans to loans | 0.6442% | 3,092 |
| Net loans and leases to total assets | 78.8461% | 1,061 |
| Net loans and leases to deposits | 101.5126% | 607 |
| Net loans and leases to core deposits | 103.6141% | 1,374 |
| Total domestic deposits to total assets | 77.6712% | 4,966 |
| Equity capital to assets | 10.8763% | 3,163 |
| Core capital (leverage) ratio | 10.4773% | 3,021 |
| Tier 1 risk-based capital ratio | 11.8712% | 4,874 |
| Total risk-based capital ratio | 12.4453% | 5,166 |
| Memoranda: | ||
| Average total assets | $151,301,500 | 3,516 |
| Average earning assets | $141,354,750 | 3,498 |
| Average equity | $16,463,500 | 3,665 |
| Average total loans | $116,882,500 | 3,120 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 2,175 |
| Cost of funding earning assets | 0.4303% | 2,734 |
| Net interest margin | 3.8640% | 2,102 |
| Noninterest income to average assets | 0.6710% | 2,271 |
| Noninterest expense to average assets | 3.5336% | 1,106 |
| Loan and lease loss provision to assets | -0.0794% | 5,853 |
| Net operating income to assets | 0.8179% | 3,229 |
| Return on assets (ROA) | 0.8179% | 3,363 |
| Pretax return on assets | 0.8179% | 4,223 |
| Return on Equity (ROE) | 7.5154% | 3,254 |
| Retained earnings to average equity (ytd only) | -14.7145% | 5,932 |
| Net charge-offs to loans | 0.0207% | 3,079 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 1,045 |
| Efficiency ratio | 81.1958% | 1,364 |
| Assets per employee ($millions) | 3.3898% | 4,938 |
| Cash dividends to net income (ytd only)* | 295.7929% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 5,650 |
| Loan loss allowance to noncurrent loans | 98.3914% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 1,499 |
| Noncurrent loans to loans | 0.6318% | 3,189 |
| Net loans and leases to total assets | 80.5043% | 826 |
| Net loans and leases to deposits | 100.4322% | 661 |
| Net loans and leases to core deposits | 102.5295% | 1,432 |
| Total domestic deposits to total assets | 80.1578% | 4,504 |
| Equity capital to assets | 11.1293% | 2,916 |
| Core capital (leverage) ratio | 10.1850% | 3,348 |
| Tier 1 risk-based capital ratio | 11.8824% | 4,918 |
| Total risk-based capital ratio | 12.4649% | 5,221 |
| Memoranda: | ||
| Average total assets | $151,120,670 | 3,545 |
| Average earning assets | $140,839,330 | 3,525 |
| Average equity | $16,446,330 | 3,674 |
| Average total loans | $115,689,330 | 3,146 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 1,958 |
| Cost of funding earning assets | 0.4280% | 2,782 |
| Net interest margin | 3.9244% | 1,869 |
| Noninterest income to average assets | 0.5878% | 2,605 |
| Noninterest expense to average assets | 3.5552% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6814% | 3,809 |
| Return on assets (ROA) | 0.6814% | 3,926 |
| Pretax return on assets | 0.6814% | 4,586 |
| Return on Equity (ROE) | 6.3291% | 3,815 |
| Retained earnings to average equity (ytd only) | -36.7908% | 6,049 |
| Net charge-offs to loans | -0.0175% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4432% | 1,335 |
| Assets per employee ($millions) | 3.2998% | 5,126 |
| Cash dividends to net income (ytd only)* | 681.2977% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 5,563 |
| Loan loss allowance to noncurrent loans | 183.9002% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 1,918 |
| Noncurrent loans to loans | 0.3910% | 4,037 |
| Net loans and leases to total assets | 73.7791% | 1,758 |
| Net loans and leases to deposits | 90.4853% | 1,518 |
| Net loans and leases to core deposits | 93.8120% | 2,010 |
| Total domestic deposits to total assets | 81.5371% | 4,349 |
| Equity capital to assets | 10.4446% | 3,562 |
| Core capital (leverage) ratio | 9.8311% | 3,742 |
| Tier 1 risk-based capital ratio | 12.0924% | 4,860 |
| Total risk-based capital ratio | 12.7621% | 5,127 |
| Memoranda: | ||
| Average total assets | $153,801,000 | 3,521 |
| Average earning assets | $143,002,500 | 3,510 |
| Average equity | $16,558,500 | 3,653 |
| Average total loans | $114,495,500 | 3,174 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 2,032 |
| Cost of funding earning assets | 0.4417% | 2,725 |
| Net interest margin | 3.9162% | 1,976 |
| Noninterest income to average assets | 1.9835% | 363 |
| Noninterest expense to average assets | 3.3504% | 1,607 |
| Loan and lease loss provision to assets | 0.0169% | 4,071 |
| Net operating income to assets | 2.2424% | 230 |
| Return on assets (ROA) | 2.2417% | 238 |
| Pretax return on assets | 2.2417% | 317 |
| Return on Equity (ROE) | 21.2113% | 199 |
| Retained earnings to average equity (ytd only) | 16.7912% | 97 |
| Net charge-offs to loans | -0.0394% | 5,489 |
| Credit loss provision to net charge-offs | -56.8182% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5442% | 5,084 |
| Assets per employee ($millions) | 3.5412% | 4,744 |
| Cash dividends to net income (ytd only)* | 20.8384% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 5,643 |
| Loan loss allowance to noncurrent loans | 188.9930% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 1,966 |
| Noncurrent loans to loans | 0.3675% | 4,130 |
| Net loans and leases to total assets | 74.0532% | 1,719 |
| Net loans and leases to deposits | 91.1722% | 1,491 |
| Net loans and leases to core deposits | 93.6778% | 2,072 |
| Total domestic deposits to total assets | 81.2234% | 4,419 |
| Equity capital to assets | 11.0794% | 2,744 |
| Core capital (leverage) ratio | 10.9741% | 2,431 |
| Tier 1 risk-based capital ratio | 13.6499% | 3,916 |
| Total risk-based capital ratio | 14.3291% | 4,175 |
| Memoranda: | ||
| Average total assets | $147,922,000 | 3,604 |
| Average earning assets | $136,970,600 | 3,579 |
| Average equity | $15,633,200 | 3,744 |
| Average total loans | $111,615,200 | 3,170 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 1,842 |
| Cost of funding earning assets | 0.4432% | 2,758 |
| Net interest margin | 3.9795% | 1,770 |
| Noninterest income to average assets | 1.2369% | 790 |
| Noninterest expense to average assets | 3.2485% | 1,831 |
| Loan and lease loss provision to assets | 0.0228% | 3,816 |
| Net operating income to assets | 1.6572% | 678 |
| Return on assets (ROA) | 1.6562% | 704 |
| Pretax return on assets | 1.6562% | 1,222 |
| Return on Equity (ROE) | 15.8762% | 608 |
| Retained earnings to average equity (ytd only) | 10.6221% | 532 |
| Net charge-offs to loans | 0.0664% | 2,623 |
| Credit loss provision to net charge-offs | 45.4545% | 3,090 |
| Earnings coverage of net charge-offs (x) | 33.4371% | 1,391 |
| Efficiency ratio | 64.5412% | 4,149 |
| Assets per employee ($millions) | 3.4513% | 4,892 |
| Cash dividends to net income (ytd only)* | 33.0944% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 5,870 |
| Loan loss allowance to noncurrent loans | 103.0612% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 2,387 |
| Noncurrent loans to loans | 0.5972% | 3,534 |
| Net loans and leases to total assets | 78.7603% | 991 |
| Net loans and leases to deposits | 97.7750% | 832 |
| Net loans and leases to core deposits | 99.8059% | 1,535 |
| Total domestic deposits to total assets | 80.5526% | 4,594 |
| Equity capital to assets | 11.0013% | 3,026 |
| Core capital (leverage) ratio | 10.2239% | 3,342 |
| Tier 1 risk-based capital ratio | 12.6079% | 4,677 |
| Total risk-based capital ratio | 13.2103% | 5,024 |
| Memoranda: | ||
| Average total assets | $145,949,750 | 3,664 |
| Average earning assets | $135,389,750 | 3,643 |
| Average equity | $15,225,750 | 3,835 |
| Average total loans | $110,471,500 | 3,222 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,885 |
| Cost of funding earning assets | 0.4376% | 2,877 |
| Net interest margin | 3.9529% | 1,794 |
| Noninterest income to average assets | 1.5122% | 559 |
| Noninterest expense to average assets | 3.2007% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9674% | 387 |
| Return on assets (ROA) | 1.9647% | 404 |
| Pretax return on assets | 1.9647% | 643 |
| Return on Equity (ROE) | 19.1788% | 317 |
| Retained earnings to average equity (ytd only) | 11.1709% | 483 |
| Net charge-offs to loans | 0.0771% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 34.2619% | 1,250 |
| Efficiency ratio | 60.6349% | 4,888 |
| Assets per employee ($millions) | 3.2078% | 5,329 |
| Cash dividends to net income (ytd only)* | 41.7537% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 5,958 |
| Loan loss allowance to noncurrent loans | 81.4771% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 2,576 |
| Noncurrent loans to loans | 0.7481% | 3,239 |
| Net loans and leases to total assets | 76.8006% | 1,255 |
| Net loans and leases to deposits | 92.7261% | 1,282 |
| Net loans and leases to core deposits | 94.3668% | 1,922 |
| Total domestic deposits to total assets | 82.8253% | 4,016 |
| Equity capital to assets | 10.4710% | 3,473 |
| Core capital (leverage) ratio | 10.1048% | 3,451 |
| Tier 1 risk-based capital ratio | 12.4005% | 4,875 |
| Total risk-based capital ratio | 12.9985% | 5,219 |
| Memoranda: | ||
| Average total assets | $146,281,330 | 3,687 |
| Average earning assets | $135,292,670 | 3,677 |
| Average equity | $14,985,330 | 3,892 |
| Average total loans | $109,004,000 | 3,267 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,496 |
| Cost of funding earning assets | 0.4463% | 2,812 |
| Net interest margin | 4.0430% | 1,429 |
| Noninterest income to average assets | 1.6918% | 448 |
| Noninterest expense to average assets | 3.1996% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2246% | 225 |
| Return on assets (ROA) | 2.2246% | 235 |
| Pretax return on assets | 2.2246% | 369 |
| Return on Equity (ROE) | 21.9624% | 187 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,662 |
| Net charge-offs to loans | -0.0075% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7215% | 5,369 |
| Assets per employee ($millions) | 3.5273% | 4,848 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 5,928 |
| Loan loss allowance to noncurrent loans | 163.1347% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 3,234 |
| Noncurrent loans to loans | 0.4206% | 4,332 |
| Net loans and leases to total assets | 73.9654% | 1,506 |
| Net loans and leases to deposits | 89.2665% | 1,468 |
| Net loans and leases to core deposits | 90.6816% | 2,066 |
| Total domestic deposits to total assets | 82.8591% | 4,214 |
| Equity capital to assets | 10.3306% | 3,747 |
| Core capital (leverage) ratio | 9.5580% | 4,191 |
| Tier 1 risk-based capital ratio | 12.5737% | 4,855 |
| Total risk-based capital ratio | 13.2483% | 5,134 |
| Memoranda: | ||
| Average total assets | $145,642,000 | 3,721 |
| Average earning assets | $134,453,500 | 3,708 |
| Average equity | $14,752,500 | 3,957 |
| Average total loans | $106,495,000 | 3,328 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 2,307 |
| Cost of funding earning assets | 0.4152% | 3,538 |
| Net interest margin | 3.9584% | 2,015 |
| Noninterest income to average assets | 1.0390% | 1,136 |
| Noninterest expense to average assets | 3.6578% | 1,212 |
| Loan and lease loss provision to assets | 0.0478% | 3,613 |
| Net operating income to assets | 0.9601% | 2,580 |
| Return on assets (ROA) | 0.9601% | 2,660 |
| Pretax return on assets | 0.9601% | 3,645 |
| Return on Equity (ROE) | 8.6578% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.6578% | 782 |
| Net charge-offs to loans | 0.3050% | 1,448 |
| Credit loss provision to net charge-offs | 21.7391% | 3,957 |
| Earnings coverage of net charge-offs (x) | 4.5797% | 3,616 |
| Efficiency ratio | 77.1321% | 2,338 |
| Assets per employee ($millions) | 3.8596% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 5,992 |
| Loan loss allowance to noncurrent loans | 102.6462% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 2,892 |
| Noncurrent loans to loans | 0.6820% | 3,638 |
| Net loans and leases to total assets | 71.2822% | 2,036 |
| Net loans and leases to deposits | 85.4343% | 2,047 |
| Net loans and leases to core deposits | 86.7962% | 2,623 |
| Total domestic deposits to total assets | 83.4350% | 3,938 |
| Equity capital to assets | 9.9308% | 4,201 |
| Core capital (leverage) ratio | 9.1790% | 4,711 |
| Tier 1 risk-based capital ratio | 12.6689% | 4,937 |
| Total risk-based capital ratio | 13.3712% | 5,188 |
| Memoranda: | ||
| Average total assets | $125,403,800 | 4,076 |
| Average earning assets | $114,895,000 | 4,075 |
| Average equity | $13,906,600 | 4,041 |
| Average total loans | $90,499,600 | 3,620 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,179 |
| Cost of funding earning assets | 0.3994% | 3,790 |
| Net interest margin | 4.0143% | 1,840 |
| Noninterest income to average assets | 0.9548% | 1,352 |
| Noninterest expense to average assets | 3.4918% | 1,477 |
| Loan and lease loss provision to assets | -0.0167% | 6,104 |
| Net operating income to assets | 1.1513% | 1,862 |
| Return on assets (ROA) | 1.1513% | 1,920 |
| Pretax return on assets | 1.1513% | 2,981 |
| Return on Equity (ROE) | 10.0613% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.0613% | 690 |
| Net charge-offs to loans | 0.4301% | 922 |
| Credit loss provision to net charge-offs | -5.3571% | 5,222 |
| Earnings coverage of net charge-offs (x) | 3.6500% | 3,618 |
| Efficiency ratio | 74.2741% | 2,777 |
| Assets per employee ($millions) | 3.9434% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 6,148 |
| Loan loss allowance to noncurrent loans | 77.5029% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.2052% | 2,539 |
| Noncurrent loans to loans | 0.8564% | 3,424 |
| Net loans and leases to total assets | 69.3718% | 2,295 |
| Net loans and leases to deposits | 83.8410% | 2,176 |
| Net loans and leases to core deposits | 84.2837% | 2,850 |
| Total domestic deposits to total assets | 82.7421% | 4,222 |
| Equity capital to assets | 10.0652% | 4,088 |
| Core capital (leverage) ratio | 9.2981% | 4,639 |
| Tier 1 risk-based capital ratio | 13.1739% | 4,747 |
| Total risk-based capital ratio | 13.8344% | 5,045 |
| Memoranda: | ||
| Average total assets | $120,088,500 | 4,215 |
| Average earning assets | $109,838,500 | 4,222 |
| Average equity | $13,742,000 | 4,087 |
| Average total loans | $86,803,750 | 3,732 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 1,948 |
| Cost of funding earning assets | 0.4317% | 3,530 |
| Net interest margin | 4.0330% | 1,713 |
| Noninterest income to average assets | 1.0692% | 1,044 |
| Noninterest expense to average assets | 3.6366% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1100% | 1,900 |
| Return on assets (ROA) | 1.1100% | 1,974 |
| Pretax return on assets | 1.1100% | 3,064 |
| Return on Equity (ROE) | 9.2333% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.2333% | 904 |
| Net charge-offs to loans | -0.0073% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4576% | 2,732 |
| Assets per employee ($millions) | 3.2427% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 4,991 |
| Loan loss allowance to noncurrent loans | 82.0601% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.0186% | 1,582 |
| Noncurrent loans to loans | 1.3147% | 2,613 |
| Net loans and leases to total assets | 77.2374% | 1,021 |
| Net loans and leases to deposits | 90.2092% | 1,352 |
| Net loans and leases to core deposits | 90.4419% | 2,084 |
| Total domestic deposits to total assets | 85.6203% | 3,231 |
| Equity capital to assets | 12.2730% | 1,795 |
| Core capital (leverage) ratio | 11.5102% | 1,993 |
| Tier 1 risk-based capital ratio | 14.9510% | 3,668 |
| Total risk-based capital ratio | 16.0632% | 3,688 |
| Memoranda: | ||
| Average total assets | $112,796,670 | 4,389 |
| Average earning assets | $102,851,330 | 4,392 |
| Average equity | $13,559,670 | 4,124 |
| Average total loans | $82,691,330 | 3,839 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,498 |
| Cost of funding earning assets | 0.4481% | 3,450 |
| Net interest margin | 3.8580% | 2,238 |
| Noninterest income to average assets | 0.7648% | 1,889 |
| Noninterest expense to average assets | 3.4362% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8502% | 2,895 |
| Return on assets (ROA) | 0.8502% | 2,968 |
| Pretax return on assets | 0.8502% | 3,902 |
| Return on Equity (ROE) | 7.1477% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.1477% | 1,957 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8382% | 2,355 |
| Assets per employee ($millions) | 3.4315% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 4,728 |
| Loan loss allowance to noncurrent loans | 75.6950% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.1848% | 1,517 |
| Noncurrent loans to loans | 1.5607% | 2,476 |
| Net loans and leases to total assets | 70.3971% | 1,816 |
| Net loans and leases to deposits | 81.8525% | 2,058 |
| Net loans and leases to core deposits | 81.8525% | 2,752 |
| Total domestic deposits to total assets | 86.0048% | 3,361 |
| Equity capital to assets | 11.9252% | 1,921 |
| Core capital (leverage) ratio | 11.1759% | 2,244 |
| Tier 1 risk-based capital ratio | 15.8784% | 3,230 |
| Total risk-based capital ratio | 17.0940% | 3,209 |
| Memoranda: | ||
| Average total assets | $112,448,500 | 4,438 |
| Average earning assets | $102,644,500 | 4,434 |
| Average equity | $13,375,000 | 4,171 |
| Average total loans | $79,729,500 | 3,940 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,127 |
| Cost of funding earning assets | 0.5142% | 3,458 |
| Net interest margin | 4.0066% | 1,929 |
| Noninterest income to average assets | 0.5030% | 3,735 |
| Noninterest expense to average assets | 3.6692% | 1,339 |
| Loan and lease loss provision to assets | 0.1015% | 3,107 |
| Net operating income to assets | 0.3384% | 5,386 |
| Return on assets (ROA) | 0.3439% | 5,469 |
| Pretax return on assets | 0.3439% | 5,617 |
| Return on Equity (ROE) | 3.4905% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.4905% | 3,741 |
| Net charge-offs to loans | 0.3120% | 2,124 |
| Credit loss provision to net charge-offs | 46.6387% | 3,898 |
| Earnings coverage of net charge-offs (x) | 2.0210% | 4,374 |
| Efficiency ratio | 87.8923% | 1,229 |
| Assets per employee ($millions) | 3.7219% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 4,612 |
| Loan loss allowance to noncurrent loans | 67.8775% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.8256% | 1,146 |
| Noncurrent loans to loans | 1.7820% | 2,253 |
| Net loans and leases to total assets | 69.7093% | 2,067 |
| Net loans and leases to deposits | 80.9838% | 2,325 |
| Net loans and leases to core deposits | 80.9838% | 3,011 |
| Total domestic deposits to total assets | 86.0780% | 3,218 |
| Equity capital to assets | 11.8630% | 1,899 |
| Core capital (leverage) ratio | 11.4791% | 1,979 |
| Tier 1 risk-based capital ratio | 15.9141% | 3,141 |
| Total risk-based capital ratio | 17.1578% | 3,099 |
| Memoranda: | ||
| Average total assets | $109,341,600 | 4,511 |
| Average earning assets | $98,412,800 | 4,557 |
| Average equity | $10,772,000 | 4,688 |
| Average total loans | $76,284,400 | 4,049 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9551% | 1,024 |
| Cost of funding earning assets | 0.5339% | 3,430 |
| Net interest margin | 4.4212% | 854 |
| Noninterest income to average assets | 0.2771% | 5,464 |
| Noninterest expense to average assets | 3.6482% | 1,327 |
| Loan and lease loss provision to assets | 0.1361% | 2,582 |
| Net operating income to assets | 0.4622% | 4,964 |
| Return on assets (ROA) | 0.4695% | 5,083 |
| Pretax return on assets | 0.4695% | 5,445 |
| Return on Equity (ROE) | 5.0293% | 4,708 |
| Retained earnings to average equity (ytd only) | 5.0293% | 3,056 |
| Net charge-offs to loans | 0.2873% | 2,099 |
| Credit loss provision to net charge-offs | 68.0982% | 3,106 |
| Earnings coverage of net charge-offs (x) | 2.9938% | 3,839 |
| Efficiency ratio | 84.5554% | 1,528 |
| Assets per employee ($millions) | 3.4638% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 4,470 |
| Loan loss allowance to noncurrent loans | 67.1457% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 3.1626% | 1,141 |
| Noncurrent loans to loans | 1.9140% | 2,343 |
| Net loans and leases to total assets | 73.5349% | 1,360 |
| Net loans and leases to deposits | 83.3573% | 1,957 |
| Net loans and leases to core deposits | 83.3573% | 2,723 |
| Total domestic deposits to total assets | 88.2165% | 1,987 |
| Equity capital to assets | 9.5931% | 4,427 |
| Core capital (leverage) ratio | 8.5806% | 5,685 |
| Tier 1 risk-based capital ratio | 11.7282% | 5,935 |
| Total risk-based capital ratio | 12.9781% | 5,892 |
| Memoranda: | ||
| Average total assets | $108,762,500 | 4,561 |
| Average earning assets | $97,648,500 | 4,623 |
| Average equity | $10,153,500 | 4,856 |
| Average total loans | $75,658,250 | 4,099 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 1,221 |
| Cost of funding earning assets | 0.5478% | 3,443 |
| Net interest margin | 4.3003% | 1,032 |
| Noninterest income to average assets | 0.2069% | 5,965 |
| Noninterest expense to average assets | 3.7629% | 1,151 |
| Loan and lease loss provision to assets | 0.0824% | 3,421 |
| Net operating income to assets | 0.2142% | 5,853 |
| Return on assets (ROA) | 0.2252% | 5,956 |
| Pretax return on assets | 0.2252% | 6,041 |
| Return on Equity (ROE) | 2.4346% | 5,822 |
| Retained earnings to average equity (ytd only) | 2.4346% | 4,752 |
| Net charge-offs to loans | 0.1078% | 3,278 |
| Credit loss provision to net charge-offs | 112.5000% | 1,970 |
| Earnings coverage of net charge-offs (x) | 4.0500% | 3,227 |
| Efficiency ratio | 91.2945% | 955 |
| Assets per employee ($millions) | 3.4935% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 3,899 |
| Loan loss allowance to noncurrent loans | 54.1687% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 3.3648% | 1,158 |
| Noncurrent loans to loans | 2.6383% | 1,737 |
| Net loans and leases to total assets | 69.1019% | 2,052 |
| Net loans and leases to deposits | 77.9680% | 2,576 |
| Net loans and leases to core deposits | 77.9680% | 3,293 |
| Total domestic deposits to total assets | 88.6286% | 1,828 |
| Equity capital to assets | 9.2338% | 4,943 |
| Core capital (leverage) ratio | 8.3224% | 5,858 |
| Tier 1 risk-based capital ratio | 11.9991% | 5,792 |
| Total risk-based capital ratio | 13.2517% | 5,741 |
| Memoranda: | ||
| Average total assets | $109,223,670 | 4,581 |
| Average earning assets | $97,854,000 | 4,650 |
| Average equity | $10,104,330 | 4,917 |
| Average total loans | $74,214,670 | 4,165 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 949 |
| Cost of funding earning assets | 0.5524% | 3,553 |
| Net interest margin | 4.4189% | 779 |
| Noninterest income to average assets | 0.0292% | 6,792 |
| Noninterest expense to average assets | 3.7963% | 1,118 |
| Loan and lease loss provision to assets | 0.0729% | 3,413 |
| Net operating income to assets | 0.0985% | 6,151 |
| Return on assets (ROA) | 0.1203% | 6,202 |
| Pretax return on assets | 0.1203% | 6,222 |
| Return on Equity (ROE) | 1.2997% | 6,147 |
| Retained earnings to average equity (ytd only) | 1.2997% | 5,331 |
| Net charge-offs to loans | 0.3271% | 1,658 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 0.7833% | 3,569 |
| Efficiency ratio | 94.2096% | 824 |
| Assets per employee ($millions) | 3.6264% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,235 |
| Loan loss allowance to noncurrent loans | 64.1975% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 3.2098% | 1,359 |
| Noncurrent loans to loans | 2.1797% | 2,411 |
| Net loans and leases to total assets | 67.3607% | 2,127 |
| Net loans and leases to deposits | 76.0481% | 2,632 |
| Net loans and leases to core deposits | 76.0481% | 3,320 |
| Total domestic deposits to total assets | 88.5764% | 1,954 |
| Equity capital to assets | 9.3389% | 5,079 |
| Core capital (leverage) ratio | 8.1685% | 5,967 |
| Tier 1 risk-based capital ratio | 11.9845% | 5,923 |
| Total risk-based capital ratio | 13.2367% | 5,884 |
| Memoranda: | ||
| Average total assets | $109,686,500 | 4,618 |
| Average earning assets | $97,762,000 | 4,693 |
| Average equity | $10,156,500 | 4,954 |
| Average total loans | $73,361,500 | 4,222 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 730 |
| Cost of funding earning assets | 0.8211% | 2,502 |
| Net interest margin | 4.6021% | 783 |
| Noninterest income to average assets | 0.5443% | 3,621 |
| Noninterest expense to average assets | 4.1943% | 772 |
| Loan and lease loss provision to assets | 0.6763% | 782 |
| Net operating income to assets | -0.2348% | 6,396 |
| Return on assets (ROA) | -0.1880% | 6,437 |
| Pretax return on assets | -0.1880% | 6,416 |
| Return on Equity (ROE) | -2.1060% | 6,462 |
| Retained earnings to average equity (ytd only) | -2.1060% | 6,174 |
| Net charge-offs to loans | 0.1801% | 3,932 |
| Credit loss provision to net charge-offs | 579.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 3.7800% | 3,606 |
| Efficiency ratio | 89.2920% | 1,126 |
| Assets per employee ($millions) | 3.6860% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 3,784 |
| Loan loss allowance to noncurrent loans | 45.1128% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 4.1282% | 1,024 |
| Noncurrent loans to loans | 3.3066% | 1,552 |
| Net loans and leases to total assets | 64.4957% | 2,812 |
| Net loans and leases to deposits | 72.7569% | 3,289 |
| Net loans and leases to core deposits | 72.7569% | 3,943 |
| Total domestic deposits to total assets | 88.6454% | 1,811 |
| Equity capital to assets | 9.1815% | 5,291 |
| Core capital (leverage) ratio | 8.2199% | 5,976 |
| Tier 1 risk-based capital ratio | 11.1228% | 6,306 |
| Total risk-based capital ratio | 12.3754% | 6,270 |
| Memoranda: | ||
| Average total assets | $85,616,200 | 5,199 |
| Average earning assets | $76,117,400 | 5,239 |
| Average equity | $7,644,800 | 5,599 |
| Average total loans | $55,525,400 | 4,882 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 630 |
| Cost of funding earning assets | 0.8796% | 2,315 |
| Net interest margin | 4.6600% | 732 |
| Noninterest income to average assets | 0.3981% | 4,652 |
| Noninterest expense to average assets | 4.0885% | 840 |
| Loan and lease loss provision to assets | 0.9726% | 426 |
| Net operating income to assets | -0.5073% | 6,703 |
| Return on assets (ROA) | -0.5073% | 6,735 |
| Pretax return on assets | -0.5073% | 6,708 |
| Return on Equity (ROE) | -5.7377% | 6,745 |
| Retained earnings to average equity (ytd only) | -5.7377% | 6,661 |
| Net charge-offs to loans | 0.2235% | 3,379 |
| Credit loss provision to net charge-offs | 673.2558% | 402 |
| Earnings coverage of net charge-offs (x) | 3.2210% | 3,740 |
| Efficiency ratio | 88.9709% | 1,118 |
| Assets per employee ($millions) | 3.5228% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 3,764 |
| Loan loss allowance to noncurrent loans | 38.3322% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 5.7558% | 722 |
| Noncurrent loans to loans | 4.0216% | 1,267 |
| Net loans and leases to total assets | 66.1141% | 2,631 |
| Net loans and leases to deposits | 73.6945% | 3,340 |
| Net loans and leases to core deposits | 73.6945% | 4,013 |
| Total domestic deposits to total assets | 89.7137% | 995 |
| Equity capital to assets | 8.0305% | 6,572 |
| Core capital (leverage) ratio | 6.4393% | 6,897 |
| Tier 1 risk-based capital ratio | 9.0993% | 6,933 |
| Total risk-based capital ratio | 9.2684% | 6,992 |
| Memoranda: | ||
| Average total assets | $79,375,000 | 5,423 |
| Average earning assets | $70,785,250 | 5,464 |
| Average equity | $7,017,750 | 5,825 |
| Average total loans | $51,306,750 | 5,113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 941 |
| Cost of funding earning assets | 0.9479% | 2,079 |
| Net interest margin | 4.4130% | 1,168 |
| Noninterest income to average assets | 0.3258% | 5,222 |
| Noninterest expense to average assets | 4.0139% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2946% | 5,639 |
| Return on assets (ROA) | 0.2946% | 5,842 |
| Pretax return on assets | 0.2946% | 5,974 |
| Return on Equity (ROE) | 3.1863% | 5,610 |
| Retained earnings to average equity (ytd only) | 3.1863% | 4,494 |
| Net charge-offs to loans | 0.0849% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.4737% | 2,827 |
| Efficiency ratio | 92.4392% | 900 |
| Assets per employee ($millions) | 3.2687% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 6,506 |
| Loan loss allowance to noncurrent loans | 21.5556% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 5.3955% | 839 |
| Noncurrent loans to loans | 4.0853% | 1,343 |
| Net loans and leases to total assets | 60.7303% | 3,676 |
| Net loans and leases to deposits | 68.5761% | 4,111 |
| Net loans and leases to core deposits | 68.5761% | 4,720 |
| Total domestic deposits to total assets | 88.5591% | 1,779 |
| Equity capital to assets | 8.2222% | 6,438 |
| Core capital (leverage) ratio | 7.1276% | 6,779 |
| Tier 1 risk-based capital ratio | 10.2771% | 6,759 |
| Total risk-based capital ratio | 11.0550% | 6,867 |
| Memoranda: | ||
| Average total assets | $70,605,330 | 5,718 |
| Average earning assets | $63,721,330 | 5,712 |
| Average equity | $6,528,000 | 5,977 |
| Average total loans | $44,753,670 | 5,391 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 1,581 |
| Cost of funding earning assets | 1.0144% | 1,896 |
| Net interest margin | 4.0825% | 2,163 |
| Noninterest income to average assets | 0.1385% | 6,552 |
| Noninterest expense to average assets | 3.4401% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4772% | 4,920 |
| Return on assets (ROA) | 0.4772% | 5,117 |
| Pretax return on assets | 0.4772% | 5,498 |
| Return on Equity (ROE) | 4.6290% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.6290% | 3,793 |
| Net charge-offs to loans | 0.1291% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 2,324 |
| Efficiency ratio | 87.8193% | 1,300 |
| Assets per employee ($millions) | 3.6935% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 3,511 |
| Loan loss allowance to noncurrent loans | 165.7303% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 4,231 |
| Noncurrent loans to loans | 1.0002% | 4,676 |
| Net loans and leases to total assets | 67.6923% | 2,169 |
| Net loans and leases to deposits | 77.4231% | 2,606 |
| Net loans and leases to core deposits | 77.4231% | 3,406 |
| Total domestic deposits to total assets | 87.4316% | 2,699 |
| Equity capital to assets | 10.3986% | 3,617 |
| Core capital (leverage) ratio | 9.9988% | 3,368 |
| Tier 1 risk-based capital ratio | 14.0102% | 4,467 |
| Total risk-based capital ratio | 15.2638% | 4,427 |
| Memoranda: | ||
| Average total assets | $51,974,500 | 6,302 |
| Average earning assets | $48,107,500 | 6,272 |
| Average equity | $5,357,500 | 6,316 |
| Average total loans | $34,085,500 | 5,913 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 3,602 |
| Cost of funding earning assets | 1.2534% | 1,714 |
| Net interest margin | 3.5925% | 4,764 |
| Noninterest income to average assets | -0.1577% | 7,141 |
| Noninterest expense to average assets | 3.1248% | 3,113 |
| Loan and lease loss provision to assets | -0.0798% | 7,265 |
| Net operating income to assets | 0.1349% | 5,775 |
| Return on assets (ROA) | 0.1349% | 5,908 |
| Pretax return on assets | 0.1349% | 5,911 |
| Return on Equity (ROE) | 1.3335% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.3335% | 5,223 |
| Net charge-offs to loans | -0.1864% | 7,206 |
| Credit loss provision to net charge-offs | 67.7419% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2676% | 720 |
| Assets per employee ($millions) | 3.7314% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 2,725 |
| Loan loss allowance to noncurrent loans | 148.3951% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3208% | 4,017 |
| Noncurrent loans to loans | 1.2432% | 4,288 |
| Net loans and leases to total assets | 61.2117% | 3,739 |
| Net loans and leases to deposits | 69.9823% | 4,105 |
| Net loans and leases to core deposits | 69.9823% | 4,777 |
| Total domestic deposits to total assets | 87.4675% | 2,489 |
| Equity capital to assets | 10.2182% | 3,886 |
| Core capital (leverage) ratio | 9.7619% | 3,658 |
| Tier 1 risk-based capital ratio | 14.6098% | 3,897 |
| Total risk-based capital ratio | 15.8621% | 3,874 |
| Memoranda: | ||
| Average total assets | $52,643,200 | 6,280 |
| Average earning assets | $48,908,000 | 6,230 |
| Average equity | $5,324,200 | 6,342 |
| Average total loans | $33,255,200 | 5,996 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 3,709 |
| Cost of funding earning assets | 1.3163% | 1,612 |
| Net interest margin | 3.5483% | 4,988 |
| Noninterest income to average assets | 0.0177% | 7,056 |
| Noninterest expense to average assets | 3.1245% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1845% | 5,745 |
| Return on assets (ROA) | 0.1845% | 5,869 |
| Pretax return on assets | 0.1845% | 5,923 |
| Return on Equity (ROE) | 1.8293% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.8293% | 5,222 |
| Net charge-offs to loans | -0.0559% | 7,064 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4232% | 896 |
| Assets per employee ($millions) | 3.7533% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 3,088 |
| Loan loss allowance to noncurrent loans | 123.1884% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 2.5920% | 2,490 |
| Noncurrent loans to loans | 1.4244% | 4,156 |
| Net loans and leases to total assets | 63.3997% | 3,432 |
| Net loans and leases to deposits | 72.4769% | 3,900 |
| Net loans and leases to core deposits | 72.4769% | 4,653 |
| Total domestic deposits to total assets | 87.4757% | 2,365 |
| Equity capital to assets | 10.2063% | 4,073 |
| Core capital (leverage) ratio | 9.7909% | 3,716 |
| Tier 1 risk-based capital ratio | 13.8493% | 4,458 |
| Total risk-based capital ratio | 15.0927% | 4,426 |
| Memoranda: | ||
| Average total assets | $52,744,000 | 6,324 |
| Average earning assets | $48,923,750 | 6,288 |
| Average equity | $5,320,750 | 6,400 |
| Average total loans | $33,424,500 | 6,042 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 3,987 |
| Cost of funding earning assets | 1.3722% | 1,541 |
| Net interest margin | 3.4509% | 5,364 |
| Noninterest income to average assets | 0.3598% | 5,004 |
| Noninterest expense to average assets | 3.1055% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4545% | 4,696 |
| Return on assets (ROA) | 0.4545% | 4,836 |
| Pretax return on assets | 0.4545% | 5,211 |
| Return on Equity (ROE) | 4.5226% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.5226% | 3,312 |
| Net charge-offs to loans | -0.0481% | 7,021 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2340% | 1,486 |
| Assets per employee ($millions) | 3.7556% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 2,876 |
| Loan loss allowance to noncurrent loans | 157.0667% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 2.5752% | 2,590 |
| Noncurrent loans to loans | 1.1676% | 4,702 |
| Net loans and leases to total assets | 59.9661% | 4,280 |
| Net loans and leases to deposits | 68.5413% | 4,629 |
| Net loans and leases to core deposits | 68.5413% | 5,233 |
| Total domestic deposits to total assets | 87.4891% | 2,476 |
| Equity capital to assets | 10.2857% | 3,767 |
| Core capital (leverage) ratio | 9.7496% | 3,599 |
| Tier 1 risk-based capital ratio | 14.6989% | 3,673 |
| Total risk-based capital ratio | 15.9299% | 3,653 |
| Memoranda: | ||
| Average total assets | $52,810,000 | 6,377 |
| Average earning assets | $48,972,670 | 6,342 |
| Average equity | $5,306,670 | 6,434 |
| Average total loans | $33,263,000 | 6,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 3,536 |
| Cost of funding earning assets | 1.4417% | 1,428 |
| Net interest margin | 3.4699% | 5,145 |
| Noninterest income to average assets | 0.3174% | 5,384 |
| Noninterest expense to average assets | 3.1062% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4308% | 4,801 |
| Return on assets (ROA) | 0.4308% | 4,887 |
| Pretax return on assets | 0.4308% | 5,243 |
| Return on Equity (ROE) | 4.3379% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.3379% | 3,571 |
| Net charge-offs to loans | -0.0591% | 6,941 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8205% | 1,537 |
| Assets per employee ($millions) | 3.7956% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 3,098 |
| Loan loss allowance to noncurrent loans | 136.5967% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 2.6497% | 2,596 |
| Noncurrent loans to loans | 1.2968% | 4,532 |
| Net loans and leases to total assets | 61.1509% | 4,046 |
| Net loans and leases to deposits | 69.5214% | 4,426 |
| Net loans and leases to core deposits | 69.5214% | 5,109 |
| Total domestic deposits to total assets | 87.9599% | 2,394 |
| Equity capital to assets | 9.9494% | 3,840 |
| Core capital (leverage) ratio | 9.6487% | 3,594 |
| Tier 1 risk-based capital ratio | 14.1678% | 3,959 |
| Total risk-based capital ratio | 15.4214% | 3,927 |
| Memoranda: | ||
| Average total assets | $52,926,000 | 6,413 |
| Average earning assets | $49,108,500 | 6,374 |
| Average equity | $5,256,000 | 6,467 |
| Average total loans | $33,835,500 | 6,136 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4406% | 2,503 |
| Cost of funding earning assets | 1.8542% | 983 |
| Net interest margin | 3.5863% | 4,882 |
| Noninterest income to average assets | 0.2333% | 6,135 |
| Noninterest expense to average assets | 3.2001% | 3,094 |
| Loan and lease loss provision to assets | -0.1837% | 7,621 |
| Net operating income to assets | 0.5070% | 4,061 |
| Return on assets (ROA) | 0.5070% | 4,222 |
| Pretax return on assets | 0.5070% | 4,595 |
| Return on Equity (ROE) | 5.3665% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.3665% | 2,202 |
| Net charge-offs to loans | 0.4346% | 3,882 |
| Credit loss provision to net charge-offs | -62.8931% | 7,013 |
| Earnings coverage of net charge-offs (x) | 1.1069% | 5,006 |
| Efficiency ratio | 90.8238% | 1,253 |
| Assets per employee ($millions) | 3.5142% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,293 |
| Loan loss allowance to noncurrent loans | 133.2569% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 2.6350% | 2,640 |
| Noncurrent loans to loans | 1.2605% | 4,608 |
| Net loans and leases to total assets | 64.5173% | 3,756 |
| Net loans and leases to deposits | 73.6094% | 4,258 |
| Net loans and leases to core deposits | 73.6094% | 5,029 |
| Total domestic deposits to total assets | 87.6482% | 2,453 |
| Equity capital to assets | 9.9122% | 3,865 |
| Core capital (leverage) ratio | 9.4260% | 3,807 |
| Tier 1 risk-based capital ratio | 13.5647% | 4,156 |
| Total risk-based capital ratio | 14.8185% | 4,124 |
| Memoranda: | ||
| Average total assets | $54,435,000 | 6,387 |
| Average earning assets | $49,939,800 | 6,367 |
| Average equity | $5,143,000 | 6,627 |
| Average total loans | $36,581,800 | 6,088 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5051% | 2,416 |
| Cost of funding earning assets | 1.8368% | 1,274 |
| Net interest margin | 3.6683% | 4,553 |
| Noninterest income to average assets | 0.2381% | 6,185 |
| Noninterest expense to average assets | 3.2345% | 2,798 |
| Loan and lease loss provision to assets | -0.2430% | 7,727 |
| Net operating income to assets | 0.6002% | 3,882 |
| Return on assets (ROA) | 0.6002% | 4,031 |
| Pretax return on assets | 0.6002% | 4,591 |
| Return on Equity (ROE) | 6.4291% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.4291% | 2,123 |
| Net charge-offs to loans | 0.4782% | 3,363 |
| Credit loss provision to net charge-offs | -75.1880% | 6,896 |
| Earnings coverage of net charge-offs (x) | 1.1053% | 4,952 |
| Efficiency ratio | 90.0541% | 1,287 |
| Assets per employee ($millions) | 3.5517% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 3,263 |
| Loan loss allowance to noncurrent loans | 77.6215% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 3.6546% | 1,948 |
| Noncurrent loans to loans | 2.1489% | 3,514 |
| Net loans and leases to total assets | 67.1666% | 3,420 |
| Net loans and leases to deposits | 77.4038% | 3,940 |
| Net loans and leases to core deposits | 77.4038% | 4,875 |
| Total domestic deposits to total assets | 86.7743% | 2,654 |
| Equity capital to assets | 9.9521% | 4,216 |
| Core capital (leverage) ratio | 9.4329% | 4,011 |
| Tier 1 risk-based capital ratio | 12.8358% | 4,703 |
| Total risk-based capital ratio | 14.0902% | 4,685 |
| Memoranda: | ||
| Average total assets | $54,865,500 | 6,452 |
| Average earning assets | $50,158,500 | 6,433 |
| Average equity | $5,122,500 | 6,711 |
| Average total loans | $37,079,750 | 6,142 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 2,636 |
| Cost of funding earning assets | 1.8786% | 1,313 |
| Net interest margin | 3.5954% | 4,834 |
| Noninterest income to average assets | 0.2130% | 6,398 |
| Noninterest expense to average assets | 2.9316% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5704% | 3,994 |
| Return on assets (ROA) | 0.5704% | 4,142 |
| Pretax return on assets | 0.5704% | 4,669 |
| Return on Equity (ROE) | 6.2418% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.2418% | 2,203 |
| Net charge-offs to loans | 0.9059% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.9349% | 4,844 |
| Efficiency ratio | 83.7113% | 1,955 |
| Assets per employee ($millions) | 3.5960% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 2,716 |
| Loan loss allowance to noncurrent loans | 77.5723% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 3.7004% | 1,892 |
| Noncurrent loans to loans | 2.3208% | 3,345 |
| Net loans and leases to total assets | 67.8550% | 3,401 |
| Net loans and leases to deposits | 77.6679% | 4,049 |
| Net loans and leases to core deposits | 78.0871% | 4,936 |
| Total domestic deposits to total assets | 87.3656% | 2,344 |
| Equity capital to assets | 9.5643% | 4,611 |
| Core capital (leverage) ratio | 9.0217% | 4,564 |
| Tier 1 risk-based capital ratio | 12.3643% | 4,979 |
| Total risk-based capital ratio | 13.6192% | 4,958 |
| Memoranda: | ||
| Average total assets | $55,395,670 | 6,476 |
| Average earning assets | $50,675,670 | 6,456 |
| Average equity | $5,062,670 | 6,758 |
| Average total loans | $37,309,670 | 6,180 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 2,976 |
| Cost of funding earning assets | 1.9133% | 1,394 |
| Net interest margin | 3.4999% | 5,155 |
| Noninterest income to average assets | 0.1069% | 7,163 |
| Noninterest expense to average assets | 2.8936% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4205% | 4,752 |
| Return on assets (ROA) | 0.4205% | 4,892 |
| Pretax return on assets | 0.4205% | 5,225 |
| Return on Equity (ROE) | 4.7064% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.7064% | 3,323 |
| Net charge-offs to loans | 2.0788% | 819 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.3041% | 4,769 |
| Efficiency ratio | 87.3118% | 1,655 |
| Assets per employee ($millions) | 3.7090% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 2,880 |
| Loan loss allowance to noncurrent loans | 105.9016% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 3.1437% | 2,279 |
| Noncurrent loans to loans | 1.6565% | 4,266 |
| Net loans and leases to total assets | 65.0274% | 4,094 |
| Net loans and leases to deposits | 73.7784% | 4,783 |
| Net loans and leases to core deposits | 76.5138% | 5,187 |
| Total domestic deposits to total assets | 88.1388% | 1,984 |
| Equity capital to assets | 9.0788% | 5,161 |
| Core capital (leverage) ratio | 8.6692% | 5,075 |
| Tier 1 risk-based capital ratio | 12.0728% | 5,119 |
| Total risk-based capital ratio | 13.3280% | 5,084 |
| Memoranda: | ||
| Average total assets | $56,123,500 | 6,528 |
| Average earning assets | $51,430,500 | 6,497 |
| Average equity | $5,014,500 | 6,839 |
| Average total loans | $37,328,500 | 6,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 3,024 |
| Cost of funding earning assets | 2.2091% | 1,986 |
| Net interest margin | 3.5069% | 4,925 |
| Noninterest income to average assets | 0.2329% | 6,447 |
| Noninterest expense to average assets | 3.0835% | 3,819 |
| Loan and lease loss provision to assets | 0.1390% | 6,249 |
| Net operating income to assets | 0.3177% | 4,463 |
| Return on assets (ROA) | 0.3159% | 4,555 |
| Pretax return on assets | 0.3159% | 4,718 |
| Return on Equity (ROE) | 3.5245% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.5245% | 2,708 |
| Net charge-offs to loans | 1.4943% | 1,676 |
| Credit loss provision to net charge-offs | 13.7993% | 6,964 |
| Earnings coverage of net charge-offs (x) | 0.4534% | 5,657 |
| Efficiency ratio | 87.0984% | 1,979 |
| Assets per employee ($millions) | 3.5383% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2203% | 1,613 |
| Loan loss allowance to noncurrent loans | 63.7813% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 3.2290% | 2,124 |
| Noncurrent loans to loans | 3.4811% | 2,184 |
| Net loans and leases to total assets | 65.3448% | 4,312 |
| Net loans and leases to deposits | 74.0215% | 5,033 |
| Net loans and leases to core deposits | 86.6550% | 5,455 |
| Total domestic deposits to total assets | 88.2781% | 1,838 |
| Equity capital to assets | 8.7932% | 5,451 |
| Core capital (leverage) ratio | 8.4584% | 5,348 |
| Tier 1 risk-based capital ratio | 11.7345% | 5,165 |
| Total risk-based capital ratio | 12.9940% | 5,120 |
| Memoranda: | ||
| Average total assets | $55,392,000 | 6,515 |
| Average earning assets | $52,239,200 | 6,450 |
| Average equity | $4,965,200 | 6,952 |
| Average total loans | $37,342,400 | 6,235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7405% | 3,135 |
| Cost of funding earning assets | 2.2614% | 2,144 |
| Net interest margin | 3.4791% | 4,954 |
| Noninterest income to average assets | 0.2420% | 6,501 |
| Noninterest expense to average assets | 3.0230% | 3,957 |
| Loan and lease loss provision to assets | 0.0484% | 6,888 |
| Net operating income to assets | 0.4623% | 4,153 |
| Return on assets (ROA) | 0.4599% | 4,267 |
| Pretax return on assets | 0.4599% | 4,644 |
| Return on Equity (ROE) | 5.1054% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.1054% | 2,423 |
| Net charge-offs to loans | 0.7451% | 2,500 |
| Credit loss provision to net charge-offs | 9.6154% | 6,618 |
| Earnings coverage of net charge-offs (x) | 1.0144% | 5,038 |
| Efficiency ratio | 85.5479% | 2,117 |
| Assets per employee ($millions) | 3.5128% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9016% | 722 |
| Loan loss allowance to noncurrent loans | 52.5510% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 4.6846% | 1,280 |
| Noncurrent loans to loans | 5.5216% | 1,130 |
| Net loans and leases to total assets | 67.4566% | 4,076 |
| Net loans and leases to deposits | 77.5274% | 4,816 |
| Net loans and leases to core deposits | 91.5952% | 5,268 |
| Total domestic deposits to total assets | 87.0101% | 2,177 |
| Equity capital to assets | 9.0383% | 5,432 |
| Core capital (leverage) ratio | 8.6895% | 5,149 |
| Tier 1 risk-based capital ratio | 11.8351% | 5,121 |
| Total risk-based capital ratio | 13.1040% | 5,043 |
| Memoranda: | ||
| Average total assets | $55,087,000 | 6,574 |
| Average earning assets | $52,119,500 | 6,493 |
| Average equity | $4,962,000 | 7,012 |
| Average total loans | $37,219,750 | 6,280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8675% | 2,729 |
| Cost of funding earning assets | 2.2739% | 2,475 |
| Net interest margin | 3.5936% | 4,389 |
| Noninterest income to average assets | 0.1974% | 6,882 |
| Noninterest expense to average assets | 3.2057% | 3,323 |
| Loan and lease loss provision to assets | 0.0731% | 6,462 |
| Net operating income to assets | 0.3326% | 4,751 |
| Return on assets (ROA) | 0.3290% | 4,884 |
| Pretax return on assets | 0.3290% | 5,134 |
| Return on Equity (ROE) | 3.6566% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.6566% | 3,263 |
| Net charge-offs to loans | 0.3824% | 3,290 |
| Credit loss provision to net charge-offs | 28.5714% | 6,045 |
| Earnings coverage of net charge-offs (x) | 1.5857% | 4,351 |
| Efficiency ratio | 88.7652% | 1,929 |
| Assets per employee ($millions) | 3.4023% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4980% | 381 |
| Loan loss allowance to noncurrent loans | 126.5936% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 2.7721% | 2,323 |
| Noncurrent loans to loans | 2.7632% | 2,607 |
| Net loans and leases to total assets | 64.4133% | 4,894 |
| Net loans and leases to deposits | 74.0278% | 5,447 |
| Net loans and leases to core deposits | 85.4178% | 5,972 |
| Total domestic deposits to total assets | 87.0123% | 2,251 |
| Equity capital to assets | 8.9536% | 5,381 |
| Core capital (leverage) ratio | 8.5188% | 5,414 |
| Tier 1 risk-based capital ratio | 12.4838% | 4,534 |
| Total risk-based capital ratio | 13.7605% | 4,434 |
| Memoranda: | ||
| Average total assets | $54,714,330 | 6,648 |
| Average earning assets | $51,981,670 | 6,555 |
| Average equity | $4,922,670 | 7,092 |
| Average total loans | $36,610,670 | 6,370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9670% | 2,497 |
| Cost of funding earning assets | 2.2452% | 2,935 |
| Net interest margin | 3.7217% | 3,798 |
| Noninterest income to average assets | 0.2261% | 6,656 |
| Noninterest expense to average assets | 2.8950% | 4,173 |
| Loan and lease loss provision to assets | -1.0938% | 8,240 |
| Net operating income to assets | 1.9908% | 356 |
| Return on assets (ROA) | 1.9980% | 401 |
| Pretax return on assets | 1.9980% | 669 |
| Return on Equity (ROE) | 22.1548% | 302 |
| Retained earnings to average equity (ytd only) | 22.1548% | 128 |
| Net charge-offs to loans | 0.4245% | 2,401 |
| Credit loss provision to net charge-offs | -384.6154% | 6,360 |
| Earnings coverage of net charge-offs (x) | 3.1538% | 3,270 |
| Efficiency ratio | 76.3462% | 3,430 |
| Assets per employee ($millions) | 3.6620% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1510% | 426 |
| Loan loss allowance to noncurrent loans | 156.3536% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 2.7216% | 2,088 |
| Noncurrent loans to loans | 2.0153% | 3,244 |
| Net loans and leases to total assets | 63.3406% | 5,098 |
| Net loans and leases to deposits | 72.7933% | 5,645 |
| Net loans and leases to core deposits | 82.9946% | 6,145 |
| Total domestic deposits to total assets | 87.0144% | 2,209 |
| Equity capital to assets | 9.3100% | 4,926 |
| Core capital (leverage) ratio | 8.9722% | 4,756 |
| Tier 1 risk-based capital ratio | 12.8187% | 4,310 |
| Total risk-based capital ratio | 14.0909% | 4,214 |
| Memoranda: | ||
| Average total assets | $54,853,500 | 6,677 |
| Average earning assets | $52,556,000 | 6,556 |
| Average equity | $4,947,000 | 7,130 |
| Average total loans | $36,748,500 | 6,397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3850% | 3,496 |
| Cost of funding earning assets | 2.7624% | 2,866 |
| Net interest margin | 3.6226% | 4,773 |
| Noninterest income to average assets | 0.1797% | 7,153 |
| Noninterest expense to average assets | 3.0961% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5535% | 4,516 |
| Return on assets (ROA) | 0.5590% | 4,342 |
| Pretax return on assets | 0.5590% | 4,820 |
| Return on Equity (ROE) | 6.6288% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.6288% | 1,283 |
| Net charge-offs to loans | 0.2513% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.3152% | 4,425 |
| Efficiency ratio | 84.8334% | 1,975 |
| Assets per employee ($millions) | 4.2136% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5159% | 273 |
| Loan loss allowance to noncurrent loans | 74.9291% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 4.6260% | 799 |
| Noncurrent loans to loans | 4.6923% | 992 |
| Net loans and leases to total assets | 66.1792% | 4,813 |
| Net loans and leases to deposits | 75.7913% | 5,610 |
| Net loans and leases to core deposits | 85.5319% | 6,169 |
| Total domestic deposits to total assets | 87.3177% | 1,791 |
| Equity capital to assets | 8.7263% | 5,770 |
| Core capital (leverage) ratio | 8.5751% | 5,435 |
| Tier 1 risk-based capital ratio | 11.7377% | 5,024 |
| Total risk-based capital ratio | 13.0148% | 4,922 |
| Memoranda: | ||
| Average total assets | $55,102,400 | 6,569 |
| Average earning assets | $52,779,600 | 6,472 |
| Average equity | $4,646,400 | 7,281 |
| Average total loans | $36,608,600 | 6,336 |