Home > PBK BANK, INC. > Performance and Condition Ratios
PBK BANK, INC., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 819 |
| Cost of funding earning assets | 0.5076% | 4,185 |
| Net interest margin | 5.3046% | 237 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 3.4801% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8880% | 536 |
| Return on assets (ROA) | 1.8864% | 519 |
| Pretax return on assets | 2.5086% | 336 |
| Return on Equity (ROE) | 16.4100% | 1,036 |
| Retained earnings to average equity (ytd only) | 11.1593% | 758 |
| Net charge-offs to loans | 0.0495% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 83.8444% | 992 |
| Efficiency ratio | 58.0917% | 3,290 |
| Assets per employee ($millions) | 3.5000% | 4,292 |
| Cash dividends to net income (ytd only)* | 31.9929% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,366 |
| Loan loss allowance to noncurrent loans | 187.1227% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 1,627 |
| Noncurrent loans to loans | 0.5290% | 1,467 |
| Net loans and leases to total assets | 61.8100% | 2,691 |
| Net loans and leases to deposits | 70.5423% | 2,843 |
| Net loans and leases to core deposits | 73.8017% | 3,084 |
| Total domestic deposits to total assets | 87.6200% | 1,478 |
| Equity capital to assets | 12.1421% | 1,084 |
| Core capital (leverage) ratio | 14.2121% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $150,283,000 | 3,357 |
| Average earning assets | $140,859,800 | 3,337 |
| Average equity | $17,277,000 | 3,073 |
| Average total loans | $90,861,800 | 3,278 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6901% | 800 |
| Cost of funding earning assets | 0.4268% | 4,226 |
| Net interest margin | 5.2633% | 236 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 3.3442% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9662% | 525 |
| Return on assets (ROA) | 1.9641% | 517 |
| Pretax return on assets | 2.6120% | 338 |
| Return on Equity (ROE) | 17.3300% | 1,029 |
| Retained earnings to average equity (ytd only) | 14.3762% | 629 |
| Net charge-offs to loans | 0.0459% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 95.0323% | 943 |
| Efficiency ratio | 56.1215% | 3,392 |
| Assets per employee ($millions) | 3.5795% | 4,302 |
| Cash dividends to net income (ytd only)* | 17.0357% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,210 |
| Loan loss allowance to noncurrent loans | 173.8490% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,593 |
| Noncurrent loans to loans | 0.5927% | 1,353 |
| Net loans and leases to total assets | 60.3100% | 2,810 |
| Net loans and leases to deposits | 68.5776% | 2,937 |
| Net loans and leases to core deposits | 71.4930% | 3,131 |
| Total domestic deposits to total assets | 87.9500% | 1,595 |
| Equity capital to assets | 11.7401% | 1,114 |
| Core capital (leverage) ratio | 13.9711% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $150,228,500 | 3,362 |
| Average earning assets | $140,895,500 | 3,345 |
| Average equity | $17,027,750 | 3,081 |
| Average total loans | $90,088,000 | 3,289 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 849 |
| Cost of funding earning assets | 0.3220% | 4,282 |
| Net interest margin | 5.1611% | 253 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 3.3064% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8954% | 564 |
| Return on assets (ROA) | 1.8923% | 561 |
| Pretax return on assets | 2.5155% | 350 |
| Return on Equity (ROE) | 16.9000% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.4135% | 903 |
| Net charge-offs to loans | 0.0357% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 118.2500% | 852 |
| Efficiency ratio | 56.7543% | 3,326 |
| Assets per employee ($millions) | 4.0032% | 4,175 |
| Cash dividends to net income (ytd only)* | 26.5306% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,171 |
| Loan loss allowance to noncurrent loans | 172.4820% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 1,456 |
| Noncurrent loans to loans | 0.6100% | 1,224 |
| Net loans and leases to total assets | 59.2800% | 2,838 |
| Net loans and leases to deposits | 67.0610% | 2,989 |
| Net loans and leases to core deposits | 69.5148% | 3,158 |
| Total domestic deposits to total assets | 88.4000% | 1,461 |
| Equity capital to assets | 11.3338% | 1,259 |
| Core capital (leverage) ratio | 13.5450% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $150,191,333 | 3,377 |
| Average earning assets | $140,977,333 | 3,355 |
| Average equity | $16,820,333 | 3,119 |
| Average total loans | $89,577,333 | 3,300 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 884 |
| Cost of funding earning assets | 0.1912% | 4,397 |
| Net interest margin | 5.0607% | 273 |
| Noninterest income to average assets | 0.9700% | 606 |
| Noninterest expense to average assets | 3.3747% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7647% | 723 |
| Return on assets (ROA) | 1.7584% | 728 |
| Pretax return on assets | 2.3374% | 453 |
| Return on Equity (ROE) | 15.8000% | 1,401 |
| Retained earnings to average equity (ytd only) | 6.7188% | 2,578 |
| Net charge-offs to loans | 0.0225% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 553 |
| Efficiency ratio | 58.9972% | 3,075 |
| Assets per employee ($millions) | 3.9118% | 4,289 |
| Cash dividends to net income (ytd only)* | 57.4695% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,130 |
| Loan loss allowance to noncurrent loans | 181.3084% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 1,421 |
| Noncurrent loans to loans | 0.5988% | 1,241 |
| Net loans and leases to total assets | 59.4600% | 2,719 |
| Net loans and leases to deposits | 67.3336% | 2,824 |
| Net loans and leases to core deposits | 68.7622% | 3,039 |
| Total domestic deposits to total assets | 88.3000% | 1,817 |
| Equity capital to assets | 11.3024% | 1,223 |
| Core capital (leverage) ratio | 13.2804% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $149,227,000 | 3,433 |
| Average earning assets | $140,138,000 | 3,407 |
| Average equity | $16,610,000 | 3,166 |
| Average total loans | $88,795,000 | 3,346 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 1,139 |
| Cost of funding earning assets | 0.0635% | 4,528 |
| Net interest margin | 4.1976% | 540 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 3.0893% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3525% | 1,273 |
| Return on assets (ROA) | 1.3576% | 1,209 |
| Pretax return on assets | 1.8041% | 727 |
| Return on Equity (ROE) | 12.8200% | 1,864 |
| Retained earnings to average equity (ytd only) | 9.5276% | 1,306 |
| Net charge-offs to loans | 0.0541% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 61.8222% | 1,232 |
| Efficiency ratio | 63.2157% | 2,602 |
| Assets per employee ($millions) | 3.7451% | 4,366 |
| Cash dividends to net income (ytd only)* | 25.7020% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 2,870 |
| Loan loss allowance to noncurrent loans | 152.8213% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 1,197 |
| Noncurrent loans to loans | 0.7230% | 1,042 |
| Net loans and leases to total assets | 58.2500% | 2,800 |
| Net loans and leases to deposits | 65.5837% | 2,914 |
| Net loans and leases to core deposits | 66.1670% | 3,125 |
| Total domestic deposits to total assets | 88.8200% | 1,776 |
| Equity capital to assets | 10.9603% | 1,272 |
| Core capital (leverage) ratio | 12.7420% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,759,600 | 3,394 |
| Average earning assets | $144,867,600 | 3,377 |
| Average equity | $16,384,000 | 3,242 |
| Average total loans | $83,203,200 | 3,367 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 1,285 |
| Cost of funding earning assets | 0.0649% | 4,502 |
| Net interest margin | 3.9264% | 752 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.9820% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2333% | 1,572 |
| Return on assets (ROA) | 1.2333% | 1,552 |
| Pretax return on assets | 1.6393% | 1,030 |
| Return on Equity (ROE) | 11.7500% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.3524% | 2,249 |
| Net charge-offs to loans | 0.0423% | 1,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 73.7692% | 1,086 |
| Efficiency ratio | 64.5275% | 2,479 |
| Assets per employee ($millions) | 4.0713% | 4,291 |
| Cash dividends to net income (ytd only)* | 37.4220% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,531 |
| Loan loss allowance to noncurrent loans | 172.5694% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 1,435 |
| Noncurrent loans to loans | 0.6951% | 1,173 |
| Net loans and leases to total assets | 52.9200% | 3,194 |
| Net loans and leases to deposits | 59.1877% | 3,269 |
| Net loans and leases to core deposits | 59.5610% | 3,415 |
| Total domestic deposits to total assets | 89.4100% | 1,914 |
| Equity capital to assets | 10.2585% | 1,482 |
| Core capital (leverage) ratio | 11.9523% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $155,998,500 | 3,410 |
| Average earning assets | $145,949,500 | 3,386 |
| Average equity | $16,375,250 | 3,277 |
| Average total loans | $81,944,000 | 3,396 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 1,369 |
| Cost of funding earning assets | 0.0656% | 4,487 |
| Net interest margin | 3.7052% | 903 |
| Noninterest income to average assets | 0.9103% | 824 |
| Noninterest expense to average assets | 2.8882% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1213% | 1,696 |
| Return on assets (ROA) | 1.1213% | 1,673 |
| Pretax return on assets | 1.4882% | 1,204 |
| Return on Equity (ROE) | 10.6025% | 2,135 |
| Retained earnings to average equity (ytd only) | 5.7667% | 2,412 |
| Net charge-offs to loans | 0.0416% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 68.4706% | 1,015 |
| Efficiency ratio | 65.9947% | 2,511 |
| Assets per employee ($millions) | 3.7195% | 4,484 |
| Cash dividends to net income (ytd only)* | 45.6100% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,610 |
| Loan loss allowance to noncurrent loans | 187.8277% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,615 |
| Noncurrent loans to loans | 0.6480% | 1,321 |
| Net loans and leases to total assets | 52.1128% | 3,140 |
| Net loans and leases to deposits | 58.0837% | 3,220 |
| Net loans and leases to core deposits | 58.5491% | 3,388 |
| Total domestic deposits to total assets | 89.7201% | 1,838 |
| Equity capital to assets | 9.9887% | 1,726 |
| Core capital (leverage) ratio | 11.6444% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,428,000 | 3,449 |
| Average earning assets | $146,334,667 | 3,431 |
| Average equity | $16,543,333 | 3,355 |
| Average total loans | $81,636,667 | 3,430 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 1,560 |
| Cost of funding earning assets | 0.0710% | 4,438 |
| Net interest margin | 3.5099% | 1,075 |
| Noninterest income to average assets | 0.9097% | 823 |
| Noninterest expense to average assets | 2.8569% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0094% | 1,841 |
| Return on assets (ROA) | 1.0094% | 1,836 |
| Pretax return on assets | 1.3390% | 1,414 |
| Return on Equity (ROE) | 9.2870% | 2,219 |
| Retained earnings to average equity (ytd only) | -0.1176% | 4,030 |
| Net charge-offs to loans | 0.0295% | 1,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 87.3333% | 715 |
| Efficiency ratio | 68.0877% | 2,495 |
| Assets per employee ($millions) | 3.9867% | 4,403 |
| Cash dividends to net income (ytd only)* | 101.2658% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,522 |
| Loan loss allowance to noncurrent loans | 169.8492% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 1,555 |
| Noncurrent loans to loans | 0.7449% | 1,277 |
| Net loans and leases to total assets | 50.8934% | 3,082 |
| Net loans and leases to deposits | 57.1497% | 3,160 |
| Net loans and leases to core deposits | 57.5073% | 3,349 |
| Total domestic deposits to total assets | 89.0528% | 2,057 |
| Equity capital to assets | 10.5768% | 1,560 |
| Core capital (leverage) ratio | 11.3689% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,533,500 | 3,456 |
| Average earning assets | $146,558,500 | 3,443 |
| Average equity | $17,013,000 | 3,394 |
| Average total loans | $81,249,000 | 3,440 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 1,520 |
| Cost of funding earning assets | 0.0941% | 4,425 |
| Net interest margin | 3.8447% | 929 |
| Noninterest income to average assets | 1.1367% | 813 |
| Noninterest expense to average assets | 3.0883% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2447% | 1,757 |
| Return on assets (ROA) | 1.2881% | 1,687 |
| Pretax return on assets | 1.6896% | 1,177 |
| Return on Equity (ROE) | 11.1938% | 2,100 |
| Retained earnings to average equity (ytd only) | 6.0978% | 2,321 |
| Net charge-offs to loans | -0.0462% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3895% | 2,351 |
| Assets per employee ($millions) | 4.0406% | 4,413 |
| Cash dividends to net income (ytd only)* | 45.5255% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,684 |
| Loan loss allowance to noncurrent loans | 168.0395% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 1,670 |
| Noncurrent loans to loans | 0.7371% | 1,378 |
| Net loans and leases to total assets | 51.6128% | 3,107 |
| Net loans and leases to deposits | 58.2034% | 3,234 |
| Net loans and leases to core deposits | 58.7300% | 3,417 |
| Total domestic deposits to total assets | 88.6766% | 1,683 |
| Equity capital to assets | 11.1565% | 1,696 |
| Core capital (leverage) ratio | 11.4656% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,209,600 | 3,489 |
| Average earning assets | $139,179,000 | 3,483 |
| Average equity | $17,170,200 | 3,447 |
| Average total loans | $82,310,000 | 3,437 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 1,517 |
| Cost of funding earning assets | 0.1013% | 4,489 |
| Net interest margin | 3.9074% | 925 |
| Noninterest income to average assets | 1.0069% | 1,060 |
| Noninterest expense to average assets | 3.0488% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2192% | 2,103 |
| Return on assets (ROA) | 1.2779% | 1,951 |
| Pretax return on assets | 1.6676% | 1,494 |
| Return on Equity (ROE) | 11.0148% | 2,359 |
| Retained earnings to average equity (ytd only) | 4.1794% | 3,523 |
| Net charge-offs to loans | -0.0794% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6775% | 2,148 |
| Assets per employee ($millions) | 3.7701% | 4,554 |
| Cash dividends to net income (ytd only)* | 62.0567% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,839 |
| Loan loss allowance to noncurrent loans | 150.5109% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 1,587 |
| Noncurrent loans to loans | 0.8172% | 1,394 |
| Net loans and leases to total assets | 54.9031% | 2,863 |
| Net loans and leases to deposits | 62.3051% | 3,007 |
| Net loans and leases to core deposits | 62.7775% | 3,239 |
| Total domestic deposits to total assets | 88.1197% | 1,765 |
| Equity capital to assets | 11.5448% | 1,637 |
| Core capital (leverage) ratio | 11.2725% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,115,750 | 3,547 |
| Average earning assets | $136,864,750 | 3,544 |
| Average equity | $17,067,500 | 3,504 |
| Average total loans | $82,299,000 | 3,483 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0023% | 1,557 |
| Cost of funding earning assets | 0.1075% | 4,522 |
| Net interest margin | 3.8948% | 981 |
| Noninterest income to average assets | 1.0282% | 1,028 |
| Noninterest expense to average assets | 3.0613% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2345% | 2,064 |
| Return on assets (ROA) | 1.2421% | 2,111 |
| Pretax return on assets | 1.6026% | 1,729 |
| Return on Equity (ROE) | 10.6882% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.0845% | 3,152 |
| Net charge-offs to loans | 0.0024% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,162.0000% | 109 |
| Efficiency ratio | 65.7732% | 2,191 |
| Assets per employee ($millions) | 3.6902% | 4,606 |
| Cash dividends to net income (ytd only)* | 52.4283% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,949 |
| Loan loss allowance to noncurrent loans | 131.8548% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 1,614 |
| Noncurrent loans to loans | 0.9084% | 1,364 |
| Net loans and leases to total assets | 53.4825% | 3,197 |
| Net loans and leases to deposits | 60.6267% | 3,334 |
| Net loans and leases to core deposits | 61.0834% | 3,535 |
| Total domestic deposits to total assets | 88.2161% | 1,712 |
| Equity capital to assets | 11.4792% | 1,646 |
| Core capital (leverage) ratio | 11.3408% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,886,333 | 3,564 |
| Average earning assets | $135,821,667 | 3,562 |
| Average equity | $16,953,333 | 3,518 |
| Average total loans | $81,789,667 | 3,518 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 1,540 |
| Cost of funding earning assets | 0.1174% | 4,537 |
| Net interest margin | 3.9149% | 961 |
| Noninterest income to average assets | 1.0616% | 1,035 |
| Noninterest expense to average assets | 3.0675% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2264% | 2,053 |
| Return on assets (ROA) | 1.2264% | 2,133 |
| Pretax return on assets | 1.6287% | 1,657 |
| Return on Equity (ROE) | 10.4861% | 2,538 |
| Retained earnings to average equity (ytd only) | -0.8599% | 4,448 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3183% | 2,328 |
| Assets per employee ($millions) | 3.6641% | 4,639 |
| Cash dividends to net income (ytd only)* | 108.2005% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,910 |
| Loan loss allowance to noncurrent loans | 111.9726% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 1,521 |
| Noncurrent loans to loans | 1.0748% | 1,250 |
| Net loans and leases to total assets | 55.0020% | 3,143 |
| Net loans and leases to deposits | 62.2520% | 3,301 |
| Net loans and leases to core deposits | 62.7345% | 3,524 |
| Total domestic deposits to total assets | 88.3537% | 1,682 |
| Equity capital to assets | 11.3392% | 1,631 |
| Core capital (leverage) ratio | 11.6398% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,179,500 | 3,603 |
| Average earning assets | $132,929,000 | 3,597 |
| Average equity | $16,746,000 | 3,537 |
| Average total loans | $81,734,500 | 3,529 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 662 |
| Cost of funding earning assets | 0.1804% | 4,643 |
| Net interest margin | 4.6747% | 228 |
| Noninterest income to average assets | 1.1163% | 852 |
| Noninterest expense to average assets | 3.5951% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3985% | 1,024 |
| Return on assets (ROA) | 1.3985% | 1,113 |
| Pretax return on assets | 1.7874% | 701 |
| Return on Equity (ROE) | 10.8663% | 1,680 |
| Retained earnings to average equity (ytd only) | 2.3389% | 3,691 |
| Net charge-offs to loans | 0.0105% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 253.3333% | 400 |
| Efficiency ratio | 66.7929% | 2,389 |
| Assets per employee ($millions) | 3.4097% | 4,687 |
| Cash dividends to net income (ytd only)* | 78.4753% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,955 |
| Loan loss allowance to noncurrent loans | 125.0955% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 1,784 |
| Noncurrent loans to loans | 0.9588% | 1,475 |
| Net loans and leases to total assets | 57.8646% | 3,098 |
| Net loans and leases to deposits | 66.0966% | 3,265 |
| Net loans and leases to core deposits | 66.6351% | 3,493 |
| Total domestic deposits to total assets | 87.5455% | 1,689 |
| Equity capital to assets | 12.0696% | 1,530 |
| Core capital (leverage) ratio | 12.5392% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,562,600 | 3,662 |
| Average earning assets | $116,413,800 | 3,677 |
| Average equity | $16,417,800 | 3,509 |
| Average total loans | $85,490,200 | 3,476 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 532 |
| Cost of funding earning assets | 0.1954% | 4,690 |
| Net interest margin | 4.8782% | 176 |
| Noninterest income to average assets | 1.0634% | 922 |
| Noninterest expense to average assets | 3.6153% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4714% | 960 |
| Return on assets (ROA) | 1.4714% | 1,044 |
| Pretax return on assets | 1.8858% | 654 |
| Return on Equity (ROE) | 11.2362% | 1,612 |
| Retained earnings to average equity (ytd only) | -0.2126% | 4,512 |
| Net charge-offs to loans | 0.0031% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 880.5000% | 134 |
| Efficiency ratio | 65.7193% | 2,500 |
| Assets per employee ($millions) | 3.2733% | 4,752 |
| Cash dividends to net income (ytd only)* | 101.8923% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,669 |
| Loan loss allowance to noncurrent loans | 119.1566% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 1,733 |
| Noncurrent loans to loans | 1.0066% | 1,485 |
| Net loans and leases to total assets | 62.2219% | 2,982 |
| Net loans and leases to deposits | 71.5884% | 3,172 |
| Net loans and leases to core deposits | 72.1961% | 3,455 |
| Total domestic deposits to total assets | 86.9162% | 1,707 |
| Equity capital to assets | 12.5881% | 1,381 |
| Core capital (leverage) ratio | 12.4763% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,504,000 | 3,687 |
| Average earning assets | $113,262,750 | 3,711 |
| Average equity | $16,304,000 | 3,525 |
| Average total loans | $86,394,000 | 3,479 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 499 |
| Cost of funding earning assets | 0.2088% | 4,743 |
| Net interest margin | 5.0654% | 177 |
| Noninterest income to average assets | 1.0314% | 928 |
| Noninterest expense to average assets | 3.6727% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5168% | 897 |
| Return on assets (ROA) | 1.5168% | 973 |
| Pretax return on assets | 1.9581% | 595 |
| Return on Equity (ROE) | 11.4253% | 1,504 |
| Retained earnings to average equity (ytd only) | -0.5787% | 4,419 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2250% | 2,627 |
| Assets per employee ($millions) | 3.2199% | 4,780 |
| Cash dividends to net income (ytd only)* | 105.0647% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,639 |
| Loan loss allowance to noncurrent loans | 118.3990% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 1,441 |
| Noncurrent loans to loans | 0.9923% | 1,563 |
| Net loans and leases to total assets | 64.7220% | 2,790 |
| Net loans and leases to deposits | 74.5444% | 3,023 |
| Net loans and leases to core deposits | 75.1872% | 3,358 |
| Total domestic deposits to total assets | 86.8235% | 1,693 |
| Equity capital to assets | 12.7464% | 1,261 |
| Core capital (leverage) ratio | 12.7836% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,361,000 | 3,696 |
| Average earning assets | $111,106,667 | 3,724 |
| Average equity | $16,244,667 | 3,525 |
| Average total loans | $87,706,000 | 3,463 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 320 |
| Cost of funding earning assets | 0.2178% | 4,851 |
| Net interest margin | 5.3553% | 116 |
| Noninterest income to average assets | 1.0710% | 738 |
| Noninterest expense to average assets | 3.8743% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5679% | 665 |
| Return on assets (ROA) | 1.5679% | 734 |
| Pretax return on assets | 2.0681% | 390 |
| Return on Equity (ROE) | 11.5605% | 1,241 |
| Retained earnings to average equity (ytd only) | -12.5754% | 4,841 |
| Net charge-offs to loans | 0.0269% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 102.6667% | 567 |
| Efficiency ratio | 65.1977% | 3,063 |
| Assets per employee ($millions) | 2.9911% | 4,801 |
| Cash dividends to net income (ytd only)* | 208.7794% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,136 |
| Loan loss allowance to noncurrent loans | 113.8728% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 1,402 |
| Noncurrent loans to loans | 0.9761% | 1,687 |
| Net loans and leases to total assets | 73.2425% | 1,740 |
| Net loans and leases to deposits | 85.0464% | 2,106 |
| Net loans and leases to core deposits | 86.0672% | 2,676 |
| Total domestic deposits to total assets | 86.1206% | 1,958 |
| Equity capital to assets | 13.3478% | 1,286 |
| Core capital (leverage) ratio | 13.0761% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,143,000 | 3,714 |
| Average earning assets | $108,379,000 | 3,742 |
| Average equity | $16,158,500 | 3,547 |
| Average total loans | $89,383,500 | 3,408 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 279 |
| Cost of funding earning assets | 0.1977% | 4,971 |
| Net interest margin | 5.6742% | 89 |
| Noninterest income to average assets | 1.2195% | 633 |
| Noninterest expense to average assets | 3.8281% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0730% | 292 |
| Return on assets (ROA) | 2.0730% | 301 |
| Pretax return on assets | 2.6221% | 170 |
| Return on Equity (ROE) | 15.4256% | 619 |
| Retained earnings to average equity (ytd only) | 5.5560% | 2,129 |
| Net charge-offs to loans | 0.0211% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 171.8889% | 441 |
| Efficiency ratio | 59.3483% | 3,785 |
| Assets per employee ($millions) | 3.1221% | 4,755 |
| Cash dividends to net income (ytd only)* | 63.9820% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 2,961 |
| Loan loss allowance to noncurrent loans | 106.3305% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 962 |
| Noncurrent loans to loans | 1.0338% | 1,467 |
| Net loans and leases to total assets | 75.1511% | 1,559 |
| Net loans and leases to deposits | 87.6222% | 1,894 |
| Net loans and leases to core deposits | 88.6855% | 2,544 |
| Total domestic deposits to total assets | 85.7671% | 2,150 |
| Equity capital to assets | 13.7785% | 1,176 |
| Core capital (leverage) ratio | 13.5389% | 1,042 |
| Tier 1 risk-based capital ratio | 20.5878% | 1,239 |
| Total risk-based capital ratio | 21.8379% | 1,206 |
| Memoranda: | ||
| Average total assets | $117,995,400 | 3,730 |
| Average earning assets | $108,772,200 | 3,732 |
| Average equity | $15,856,800 | 3,557 |
| Average total loans | $85,325,600 | 3,493 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7832% | 360 |
| Cost of funding earning assets | 0.1928% | 5,048 |
| Net interest margin | 5.5905% | 102 |
| Noninterest income to average assets | 1.2266% | 607 |
| Noninterest expense to average assets | 3.7283% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0955% | 322 |
| Return on assets (ROA) | 2.0955% | 334 |
| Pretax return on assets | 2.6500% | 185 |
| Return on Equity (ROE) | 15.6936% | 659 |
| Retained earnings to average equity (ytd only) | 2.4320% | 4,129 |
| Net charge-offs to loans | 0.0222% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 167.2517% | 501 |
| Efficiency ratio | 58.4531% | 3,870 |
| Assets per employee ($millions) | 2.9433% | 4,921 |
| Cash dividends to net income (ytd only)* | 84.5031% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,606 |
| Loan loss allowance to noncurrent loans | 100.8105% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 1,221 |
| Noncurrent loans to loans | 1.1723% | 1,349 |
| Net loans and leases to total assets | 70.6696% | 2,381 |
| Net loans and leases to deposits | 82.0464% | 2,678 |
| Net loans and leases to core deposits | 83.0439% | 3,178 |
| Total domestic deposits to total assets | 86.1336% | 1,931 |
| Equity capital to assets | 13.3593% | 1,429 |
| Core capital (leverage) ratio | 13.2206% | 1,249 |
| Tier 1 risk-based capital ratio | 21.3985% | 1,142 |
| Total risk-based capital ratio | 22.6499% | 1,116 |
| Memoranda: | ||
| Average total assets | $117,834,000 | 3,776 |
| Average earning assets | $108,586,750 | 3,778 |
| Average equity | $15,734,250 | 3,604 |
| Average total loans | $84,119,250 | 3,560 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8359% | 321 |
| Cost of funding earning assets | 0.1841% | 5,108 |
| Net interest margin | 5.6518% | 98 |
| Noninterest income to average assets | 1.1827% | 613 |
| Noninterest expense to average assets | 3.6583% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1617% | 291 |
| Return on assets (ROA) | 2.1617% | 306 |
| Pretax return on assets | 2.7336% | 169 |
| Return on Equity (ROE) | 16.1918% | 561 |
| Retained earnings to average equity (ytd only) | 11.8706% | 420 |
| Net charge-offs to loans | -0.0071% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2339% | 4,101 |
| Assets per employee ($millions) | 2.9672% | 4,929 |
| Cash dividends to net income (ytd only)* | 26.6876% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,535 |
| Loan loss allowance to noncurrent loans | 103.5824% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0591% | 1,291 |
| Noncurrent loans to loans | 1.1563% | 1,397 |
| Net loans and leases to total assets | 70.3382% | 2,482 |
| Net loans and leases to deposits | 82.0835% | 2,722 |
| Net loans and leases to core deposits | 83.0768% | 3,189 |
| Total domestic deposits to total assets | 85.6911% | 2,182 |
| Equity capital to assets | 13.8455% | 1,188 |
| Core capital (leverage) ratio | 13.7021% | 1,050 |
| Tier 1 risk-based capital ratio | 21.9534% | 1,058 |
| Total risk-based capital ratio | 23.2050% | 1,031 |
| Memoranda: | ||
| Average total assets | $117,868,330 | 3,798 |
| Average earning assets | $108,638,670 | 3,796 |
| Average equity | $15,736,330 | 3,609 |
| Average total loans | $84,094,000 | 3,582 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 722 |
| Cost of funding earning assets | 0.1773% | 5,165 |
| Net interest margin | 5.1484% | 218 |
| Noninterest income to average assets | 1.1374% | 626 |
| Noninterest expense to average assets | 3.7017% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7266% | 695 |
| Return on assets (ROA) | 1.7266% | 720 |
| Pretax return on assets | 2.1829% | 468 |
| Return on Equity (ROE) | 13.1791% | 1,160 |
| Retained earnings to average equity (ytd only) | 4.3410% | 3,188 |
| Net charge-offs to loans | -0.0524% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9051% | 3,396 |
| Assets per employee ($millions) | 3.0299% | 4,958 |
| Cash dividends to net income (ytd only)* | 67.0611% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,563 |
| Loan loss allowance to noncurrent loans | 87.1795% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 1,072 |
| Noncurrent loans to loans | 1.3786% | 1,177 |
| Net loans and leases to total assets | 70.9589% | 2,332 |
| Net loans and leases to deposits | 82.0699% | 2,604 |
| Net loans and leases to core deposits | 83.0560% | 3,106 |
| Total domestic deposits to total assets | 86.4615% | 2,093 |
| Equity capital to assets | 13.1373% | 1,377 |
| Core capital (leverage) ratio | 13.2585% | 1,164 |
| Tier 1 risk-based capital ratio | 20.7869% | 1,204 |
| Total risk-based capital ratio | 22.0388% | 1,175 |
| Memoranda: | ||
| Average total assets | $117,458,500 | 3,845 |
| Average earning assets | $108,306,000 | 3,841 |
| Average equity | $15,388,000 | 3,660 |
| Average total loans | $83,893,500 | 3,614 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1976% | 703 |
| Cost of funding earning assets | 0.1449% | 5,187 |
| Net interest margin | 5.0527% | 239 |
| Noninterest income to average assets | 1.1978% | 639 |
| Noninterest expense to average assets | 3.7296% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6867% | 711 |
| Return on assets (ROA) | 1.6867% | 707 |
| Pretax return on assets | 2.1251% | 416 |
| Return on Equity (ROE) | 12.9856% | 1,361 |
| Retained earnings to average equity (ytd only) | 2.8872% | 3,957 |
| Net charge-offs to loans | 0.0061% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 496.4000% | 213 |
| Efficiency ratio | 63.7028% | 3,221 |
| Assets per employee ($millions) | 3.0724% | 4,948 |
| Cash dividends to net income (ytd only)* | 77.7665% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,488 |
| Loan loss allowance to noncurrent loans | 87.2837% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 1,029 |
| Noncurrent loans to loans | 1.3942% | 1,120 |
| Net loans and leases to total assets | 70.1567% | 2,542 |
| Net loans and leases to deposits | 80.9720% | 2,854 |
| Net loans and leases to core deposits | 81.6264% | 3,289 |
| Total domestic deposits to total assets | 86.6433% | 1,946 |
| Equity capital to assets | 13.0638% | 1,319 |
| Core capital (leverage) ratio | 13.0513% | 1,225 |
| Tier 1 risk-based capital ratio | 21.1291% | 1,139 |
| Total risk-based capital ratio | 22.3810% | 1,125 |
| Memoranda: | ||
| Average total assets | $116,794,800 | 3,842 |
| Average earning assets | $107,646,000 | 3,843 |
| Average equity | $15,170,600 | 3,619 |
| Average total loans | $81,702,800 | 3,632 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 766 |
| Cost of funding earning assets | 0.1376% | 5,253 |
| Net interest margin | 4.9556% | 281 |
| Noninterest income to average assets | 1.1963% | 659 |
| Noninterest expense to average assets | 3.6207% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6928% | 761 |
| Return on assets (ROA) | 1.6928% | 760 |
| Pretax return on assets | 2.1402% | 441 |
| Return on Equity (ROE) | 13.0511% | 1,412 |
| Retained earnings to average equity (ytd only) | 6.8468% | 2,207 |
| Net charge-offs to loans | 0.0459% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 66.9687% | 983 |
| Efficiency ratio | 62.8492% | 3,368 |
| Assets per employee ($millions) | 2.8508% | 5,131 |
| Cash dividends to net income (ytd only)* | 47.5390% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,552 |
| Loan loss allowance to noncurrent loans | 68.0000% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 846 |
| Noncurrent loans to loans | 1.7835% | 865 |
| Net loans and leases to total assets | 68.7163% | 2,836 |
| Net loans and leases to deposits | 79.5903% | 3,079 |
| Net loans and leases to core deposits | 80.2336% | 3,476 |
| Total domestic deposits to total assets | 86.3375% | 2,041 |
| Equity capital to assets | 13.2801% | 1,218 |
| Core capital (leverage) ratio | 13.3786% | 1,148 |
| Tier 1 risk-based capital ratio | 22.1245% | 1,034 |
| Total risk-based capital ratio | 23.3758% | 1,014 |
| Memoranda: | ||
| Average total assets | $116,806,000 | 3,877 |
| Average earning assets | $107,592,500 | 3,885 |
| Average equity | $15,150,250 | 3,640 |
| Average total loans | $81,399,250 | 3,665 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 741 |
| Cost of funding earning assets | 0.1302% | 5,320 |
| Net interest margin | 4.9128% | 291 |
| Noninterest income to average assets | 1.1577% | 718 |
| Noninterest expense to average assets | 3.5776% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6664% | 780 |
| Return on assets (ROA) | 1.6664% | 787 |
| Pretax return on assets | 2.1048% | 487 |
| Return on Equity (ROE) | 12.9506% | 1,388 |
| Retained earnings to average equity (ytd only) | 7.6266% | 1,785 |
| Net charge-offs to loans | -0.0761% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9596% | 3,488 |
| Assets per employee ($millions) | 3.0279% | 5,079 |
| Cash dividends to net income (ytd only)* | 41.1100% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,235 |
| Loan loss allowance to noncurrent loans | 153.0015% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 1,762 |
| Noncurrent loans to loans | 0.8406% | 2,043 |
| Net loans and leases to total assets | 67.9208% | 2,883 |
| Net loans and leases to deposits | 78.3677% | 3,118 |
| Net loans and leases to core deposits | 78.7671% | 3,515 |
| Total domestic deposits to total assets | 86.6694% | 1,985 |
| Equity capital to assets | 12.9894% | 1,296 |
| Core capital (leverage) ratio | 13.1787% | 1,163 |
| Tier 1 risk-based capital ratio | 21.7987% | 1,066 |
| Total risk-based capital ratio | 23.0509% | 1,043 |
| Memoranda: | ||
| Average total assets | $116,780,670 | 3,913 |
| Average earning assets | $107,556,670 | 3,921 |
| Average equity | $15,026,330 | 3,681 |
| Average total loans | $81,431,330 | 3,689 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 835 |
| Cost of funding earning assets | 0.1272% | 5,365 |
| Net interest margin | 4.7923% | 351 |
| Noninterest income to average assets | 1.1332% | 733 |
| Noninterest expense to average assets | 3.6512% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4984% | 1,084 |
| Return on assets (ROA) | 1.4984% | 1,085 |
| Pretax return on assets | 1.8945% | 736 |
| Return on Equity (ROE) | 11.7014% | 1,683 |
| Retained earnings to average equity (ytd only) | 0.9415% | 4,642 |
| Net charge-offs to loans | 0.0049% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 114 |
| Efficiency ratio | 65.8385% | 3,196 |
| Assets per employee ($millions) | 3.0765% | 5,107 |
| Cash dividends to net income (ytd only)* | 91.9540% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,487 |
| Loan loss allowance to noncurrent loans | 107.6514% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 1,447 |
| Noncurrent loans to loans | 1.1661% | 1,561 |
| Net loans and leases to total assets | 68.1585% | 2,747 |
| Net loans and leases to deposits | 78.4179% | 2,971 |
| Net loans and leases to core deposits | 78.8197% | 3,423 |
| Total domestic deposits to total assets | 86.9170% | 2,160 |
| Equity capital to assets | 12.7015% | 1,382 |
| Core capital (leverage) ratio | 13.0727% | 1,157 |
| Tier 1 risk-based capital ratio | 21.1176% | 1,189 |
| Total risk-based capital ratio | 22.3700% | 1,159 |
| Memoranda: | ||
| Average total assets | $116,126,500 | 3,963 |
| Average earning assets | $106,920,500 | 3,972 |
| Average equity | $14,870,000 | 3,721 |
| Average total loans | $81,521,000 | 3,720 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 816 |
| Cost of funding earning assets | 0.1239% | 5,392 |
| Net interest margin | 4.7653% | 378 |
| Noninterest income to average assets | 1.1207% | 810 |
| Noninterest expense to average assets | 3.5902% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2975% | 1,227 |
| Return on assets (ROA) | 1.2975% | 1,242 |
| Pretax return on assets | 1.9162% | 587 |
| Return on Equity (ROE) | 10.3308% | 1,759 |
| Retained earnings to average equity (ytd only) | 8.6911% | 563 |
| Net charge-offs to loans | -0.0163% | 4,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2006% | 3,406 |
| Assets per employee ($millions) | 3.1175% | 5,111 |
| Cash dividends to net income (ytd only)* | 15.8719% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,590 |
| Loan loss allowance to noncurrent loans | 142.8169% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8990% | 1,727 |
| Noncurrent loans to loans | 0.8622% | 2,074 |
| Net loans and leases to total assets | 70.5122% | 2,446 |
| Net loans and leases to deposits | 81.2363% | 2,792 |
| Net loans and leases to core deposits | 81.6572% | 3,274 |
| Total domestic deposits to total assets | 86.7988% | 2,088 |
| Equity capital to assets | 12.9099% | 1,311 |
| Core capital (leverage) ratio | 13.2811% | 1,045 |
| Tier 1 risk-based capital ratio | 20.6968% | 1,196 |
| Total risk-based capital ratio | 21.9494% | 1,171 |
| Memoranda: | ||
| Average total assets | $113,142,000 | 4,006 |
| Average earning assets | $104,126,800 | 4,019 |
| Average equity | $14,210,000 | 3,817 |
| Average total loans | $79,771,000 | 3,754 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 822 |
| Cost of funding earning assets | 0.1209% | 5,473 |
| Net interest margin | 4.7411% | 381 |
| Noninterest income to average assets | 1.1167% | 816 |
| Noninterest expense to average assets | 3.5360% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2908% | 1,372 |
| Return on assets (ROA) | 1.2908% | 1,402 |
| Pretax return on assets | 1.9468% | 612 |
| Return on Equity (ROE) | 10.3513% | 1,965 |
| Retained earnings to average equity (ytd only) | 8.1386% | 1,169 |
| Net charge-offs to loans | -0.0253% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4924% | 3,450 |
| Assets per employee ($millions) | 2.7851% | 5,396 |
| Cash dividends to net income (ytd only)* | 21.3762% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,616 |
| Loan loss allowance to noncurrent loans | 131.2661% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 1,696 |
| Noncurrent loans to loans | 0.9560% | 2,013 |
| Net loans and leases to total assets | 71.7671% | 2,289 |
| Net loans and leases to deposits | 82.9374% | 2,667 |
| Net loans and leases to core deposits | 83.3829% | 3,182 |
| Total domestic deposits to total assets | 86.5317% | 2,086 |
| Equity capital to assets | 13.0438% | 1,364 |
| Core capital (leverage) ratio | 13.0782% | 1,180 |
| Tier 1 risk-based capital ratio | 20.5692% | 1,269 |
| Total risk-based capital ratio | 21.8211% | 1,238 |
| Memoranda: | ||
| Average total assets | $112,591,000 | 4,060 |
| Average earning assets | $103,687,250 | 4,073 |
| Average equity | $14,039,750 | 3,881 |
| Average total loans | $79,127,000 | 3,798 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 846 |
| Cost of funding earning assets | 0.1232% | 5,488 |
| Net interest margin | 4.6856% | 402 |
| Noninterest income to average assets | 1.0975% | 832 |
| Noninterest expense to average assets | 3.5119% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2550% | 1,420 |
| Return on assets (ROA) | 1.2550% | 1,443 |
| Pretax return on assets | 1.8940% | 666 |
| Return on Equity (ROE) | 10.2191% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.8608% | 1,661 |
| Net charge-offs to loans | -0.0178% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9640% | 3,506 |
| Assets per employee ($millions) | 3.0308% | 5,240 |
| Cash dividends to net income (ytd only)* | 32.8632% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,494 |
| Loan loss allowance to noncurrent loans | 151.3514% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 1,923 |
| Noncurrent loans to loans | 0.8483% | 2,286 |
| Net loans and leases to total assets | 69.1095% | 2,647 |
| Net loans and leases to deposits | 79.4281% | 2,976 |
| Net loans and leases to core deposits | 80.0996% | 3,414 |
| Total domestic deposits to total assets | 87.0089% | 1,950 |
| Equity capital to assets | 12.6264% | 1,559 |
| Core capital (leverage) ratio | 12.5773% | 1,339 |
| Tier 1 risk-based capital ratio | 20.8388% | 1,217 |
| Total risk-based capital ratio | 22.0911% | 1,188 |
| Memoranda: | ||
| Average total assets | $112,987,330 | 4,077 |
| Average earning assets | $103,893,000 | 4,101 |
| Average equity | $13,876,000 | 3,903 |
| Average total loans | $78,514,000 | 3,823 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 702 |
| Cost of funding earning assets | 0.1268% | 5,520 |
| Net interest margin | 4.7082% | 372 |
| Noninterest income to average assets | 1.1427% | 772 |
| Noninterest expense to average assets | 3.4705% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3226% | 1,186 |
| Return on assets (ROA) | 1.3226% | 1,219 |
| Pretax return on assets | 1.9927% | 514 |
| Return on Equity (ROE) | 10.9214% | 1,596 |
| Retained earnings to average equity (ytd only) | 4.1356% | 3,392 |
| Net charge-offs to loans | -0.0306% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5249% | 3,912 |
| Assets per employee ($millions) | 2.8406% | 5,463 |
| Cash dividends to net income (ytd only)* | 62.1333% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,688 |
| Loan loss allowance to noncurrent loans | 156.8536% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 2,092 |
| Noncurrent loans to loans | 0.8093% | 2,429 |
| Net loans and leases to total assets | 68.9309% | 2,544 |
| Net loans and leases to deposits | 78.8265% | 2,888 |
| Net loans and leases to core deposits | 79.4800% | 3,341 |
| Total domestic deposits to total assets | 87.4463% | 2,018 |
| Equity capital to assets | 12.1488% | 1,740 |
| Core capital (leverage) ratio | 12.3187% | 1,436 |
| Tier 1 risk-based capital ratio | 19.9901% | 1,393 |
| Total risk-based capital ratio | 21.2424% | 1,363 |
| Memoranda: | ||
| Average total assets | $113,412,000 | 4,106 |
| Average earning assets | $104,074,500 | 4,124 |
| Average equity | $13,734,500 | 3,955 |
| Average total loans | $78,518,000 | 3,850 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 1,051 |
| Cost of funding earning assets | 0.2294% | 4,745 |
| Net interest margin | 4.4790% | 653 |
| Noninterest income to average assets | 1.1334% | 888 |
| Noninterest expense to average assets | 3.6083% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0893% | 1,938 |
| Return on assets (ROA) | 1.0893% | 2,043 |
| Pretax return on assets | 1.6415% | 1,164 |
| Return on Equity (ROE) | 9.1893% | 2,320 |
| Retained earnings to average equity (ytd only) | 8.2392% | 775 |
| Net charge-offs to loans | 0.0427% | 3,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 55.2121% | 951 |
| Efficiency ratio | 68.7318% | 3,120 |
| Assets per employee ($millions) | 2.7610% | 5,516 |
| Cash dividends to net income (ytd only)* | 10.3391% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,608 |
| Loan loss allowance to noncurrent loans | 62.8374% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 881 |
| Noncurrent loans to loans | 2.0500% | 872 |
| Net loans and leases to total assets | 67.7615% | 2,816 |
| Net loans and leases to deposits | 79.3097% | 2,964 |
| Net loans and leases to core deposits | 79.7708% | 3,413 |
| Total domestic deposits to total assets | 85.4390% | 2,864 |
| Equity capital to assets | 12.0716% | 1,757 |
| Core capital (leverage) ratio | 12.0802% | 1,554 |
| Tier 1 risk-based capital ratio | 20.1228% | 1,354 |
| Total risk-based capital ratio | 21.3758% | 1,326 |
| Memoranda: | ||
| Average total assets | $110,993,600 | 4,146 |
| Average earning assets | $102,009,400 | 4,168 |
| Average equity | $13,156,600 | 4,070 |
| Average total loans | $77,282,600 | 3,869 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 1,016 |
| Cost of funding earning assets | 0.2335% | 4,763 |
| Net interest margin | 4.4955% | 638 |
| Noninterest income to average assets | 1.1239% | 909 |
| Noninterest expense to average assets | 3.5783% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1107% | 1,946 |
| Return on assets (ROA) | 1.1107% | 2,051 |
| Pretax return on assets | 1.6829% | 1,166 |
| Return on Equity (ROE) | 9.4143% | 2,302 |
| Retained earnings to average equity (ytd only) | 8.1352% | 1,118 |
| Net charge-offs to loans | 0.0536% | 2,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 44.9702% | 1,152 |
| Efficiency ratio | 68.0128% | 3,222 |
| Assets per employee ($millions) | 2.6549% | 5,636 |
| Cash dividends to net income (ytd only)* | 13.5867% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,812 |
| Loan loss allowance to noncurrent loans | 60.0599% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.7784% | 933 |
| Noncurrent loans to loans | 2.1239% | 897 |
| Net loans and leases to total assets | 69.6163% | 2,550 |
| Net loans and leases to deposits | 81.7054% | 2,768 |
| Net loans and leases to core deposits | 82.4106% | 3,251 |
| Total domestic deposits to total assets | 85.2041% | 2,719 |
| Equity capital to assets | 12.0928% | 2,046 |
| Core capital (leverage) ratio | 11.8906% | 1,750 |
| Tier 1 risk-based capital ratio | 19.3420% | 1,589 |
| Total risk-based capital ratio | 20.5942% | 1,549 |
| Memoranda: | ||
| Average total assets | $110,442,000 | 4,184 |
| Average earning assets | $101,639,500 | 4,201 |
| Average equity | $13,029,500 | 4,117 |
| Average total loans | $77,176,500 | 3,896 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 990 |
| Cost of funding earning assets | 0.2315% | 4,837 |
| Net interest margin | 4.4970% | 626 |
| Noninterest income to average assets | 1.0991% | 928 |
| Noninterest expense to average assets | 3.5499% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1082% | 1,930 |
| Return on assets (ROA) | 1.1082% | 2,053 |
| Pretax return on assets | 1.6787% | 1,149 |
| Return on Equity (ROE) | 9.4735% | 2,283 |
| Retained earnings to average equity (ytd only) | 7.5322% | 1,367 |
| Net charge-offs to loans | 0.0183% | 3,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 454 |
| Efficiency ratio | 67.8944% | 3,366 |
| Assets per employee ($millions) | 2.7862% | 5,617 |
| Cash dividends to net income (ytd only)* | 20.4918% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,722 |
| Loan loss allowance to noncurrent loans | 56.3976% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.9382% | 853 |
| Noncurrent loans to loans | 2.3275% | 776 |
| Net loans and leases to total assets | 69.2802% | 2,590 |
| Net loans and leases to deposits | 81.0331% | 2,813 |
| Net loans and leases to core deposits | 81.7288% | 3,296 |
| Total domestic deposits to total assets | 85.4961% | 2,646 |
| Equity capital to assets | 11.8398% | 2,240 |
| Core capital (leverage) ratio | 11.6814% | 1,859 |
| Tier 1 risk-based capital ratio | 19.0992% | 1,670 |
| Total risk-based capital ratio | 20.3519% | 1,638 |
| Memoranda: | ||
| Average total assets | $110,088,000 | 4,225 |
| Average earning assets | $101,090,670 | 4,247 |
| Average equity | $12,878,000 | 4,163 |
| Average total loans | $76,692,670 | 3,932 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,190 |
| Cost of funding earning assets | 0.2352% | 4,855 |
| Net interest margin | 4.3927% | 749 |
| Noninterest income to average assets | 1.0676% | 951 |
| Noninterest expense to average assets | 3.5573% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0164% | 2,207 |
| Return on assets (ROA) | 1.0164% | 2,324 |
| Pretax return on assets | 1.5392% | 1,474 |
| Return on Equity (ROE) | 8.7425% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.8115% | 3,060 |
| Net charge-offs to loans | -0.0158% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7991% | 3,168 |
| Assets per employee ($millions) | 2.6917% | 5,733 |
| Cash dividends to net income (ytd only)* | 44.9640% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 2,693 |
| Loan loss allowance to noncurrent loans | 58.8202% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.8975% | 945 |
| Noncurrent loans to loans | 2.2834% | 880 |
| Net loans and leases to total assets | 69.0226% | 2,493 |
| Net loans and leases to deposits | 80.5584% | 2,719 |
| Net loans and leases to core deposits | 81.2536% | 3,209 |
| Total domestic deposits to total assets | 85.6802% | 2,820 |
| Equity capital to assets | 11.6140% | 2,330 |
| Core capital (leverage) ratio | 11.6865% | 1,836 |
| Tier 1 risk-based capital ratio | 18.4386% | 1,871 |
| Total risk-based capital ratio | 19.6911% | 1,830 |
| Memoranda: | ||
| Average total assets | $109,409,000 | 4,273 |
| Average earning assets | $100,349,000 | 4,290 |
| Average equity | $12,719,500 | 4,206 |
| Average total loans | $75,920,500 | 3,970 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 971 |
| Cost of funding earning assets | 0.2790% | 4,495 |
| Net interest margin | 4.4923% | 667 |
| Noninterest income to average assets | 1.1746% | 863 |
| Noninterest expense to average assets | 3.8069% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9484% | 2,623 |
| Return on assets (ROA) | 0.9484% | 2,700 |
| Pretax return on assets | 1.4378% | 1,758 |
| Return on Equity (ROE) | 8.2571% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.2571% | 836 |
| Net charge-offs to loans | -0.0041% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5856% | 2,817 |
| Assets per employee ($millions) | 2.6454% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 2,498 |
| Loan loss allowance to noncurrent loans | 57.6366% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.9666% | 907 |
| Noncurrent loans to loans | 2.4038% | 788 |
| Net loans and leases to total assets | 67.8573% | 2,721 |
| Net loans and leases to deposits | 79.2441% | 2,913 |
| Net loans and leases to core deposits | 79.9396% | 3,352 |
| Total domestic deposits to total assets | 85.6306% | 2,797 |
| Equity capital to assets | 11.6375% | 2,241 |
| Core capital (leverage) ratio | 11.6558% | 1,842 |
| Tier 1 risk-based capital ratio | 18.7991% | 1,744 |
| Total risk-based capital ratio | 20.0527% | 1,709 |
| Memoranda: | ||
| Average total assets | $105,230,600 | 4,354 |
| Average earning assets | $95,341,400 | 4,408 |
| Average equity | $12,086,600 | 4,291 |
| Average total loans | $73,489,400 | 4,011 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 916 |
| Cost of funding earning assets | 0.2913% | 4,440 |
| Net interest margin | 4.5180% | 623 |
| Noninterest income to average assets | 1.1530% | 898 |
| Noninterest expense to average assets | 3.8688% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8989% | 2,964 |
| Return on assets (ROA) | 0.8989% | 3,052 |
| Pretax return on assets | 1.3636% | 2,164 |
| Return on Equity (ROE) | 7.8529% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.8529% | 1,302 |
| Net charge-offs to loans | 0.0255% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 76.2700% | 771 |
| Efficiency ratio | 73.9385% | 2,567 |
| Assets per employee ($millions) | 2.4126% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,969 |
| Loan loss allowance to noncurrent loans | 55.9098% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 984 |
| Noncurrent loans to loans | 2.3699% | 880 |
| Net loans and leases to total assets | 71.3447% | 2,163 |
| Net loans and leases to deposits | 83.3638% | 2,475 |
| Net loans and leases to core deposits | 84.3460% | 3,005 |
| Total domestic deposits to total assets | 85.5824% | 2,746 |
| Equity capital to assets | 11.6198% | 2,404 |
| Core capital (leverage) ratio | 11.6532% | 1,920 |
| Tier 1 risk-based capital ratio | 17.8584% | 2,067 |
| Total risk-based capital ratio | 19.1113% | 2,033 |
| Memoranda: | ||
| Average total assets | $104,423,250 | 4,416 |
| Average earning assets | $94,288,000 | 4,478 |
| Average equity | $11,952,750 | 4,364 |
| Average total loans | $73,203,750 | 4,055 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 964 |
| Cost of funding earning assets | 0.3084% | 4,303 |
| Net interest margin | 4.4532% | 687 |
| Noninterest income to average assets | 1.1652% | 887 |
| Noninterest expense to average assets | 3.8904% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8436% | 3,153 |
| Return on assets (ROA) | 0.8436% | 3,264 |
| Pretax return on assets | 1.2788% | 2,439 |
| Return on Equity (ROE) | 7.4078% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.4078% | 1,515 |
| Net charge-offs to loans | 0.0639% | 2,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 28.8696% | 1,394 |
| Efficiency ratio | 75.2608% | 2,501 |
| Assets per employee ($millions) | 2.3674% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,785 |
| Loan loss allowance to noncurrent loans | 89.6000% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.4481% | 781 |
| Noncurrent loans to loans | 1.5569% | 1,698 |
| Net loans and leases to total assets | 68.4008% | 2,588 |
| Net loans and leases to deposits | 79.7915% | 2,822 |
| Net loans and leases to core deposits | 80.2914% | 3,365 |
| Total domestic deposits to total assets | 85.7244% | 2,830 |
| Equity capital to assets | 11.5625% | 2,360 |
| Core capital (leverage) ratio | 11.3589% | 2,113 |
| Tier 1 risk-based capital ratio | 18.4423% | 1,932 |
| Total risk-based capital ratio | 19.6958% | 1,903 |
| Memoranda: | ||
| Average total assets | $103,846,000 | 4,471 |
| Average earning assets | $93,371,000 | 4,527 |
| Average equity | $11,825,330 | 4,410 |
| Average total loans | $72,020,670 | 4,110 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 979 |
| Cost of funding earning assets | 0.3399% | 3,985 |
| Net interest margin | 4.3922% | 746 |
| Noninterest income to average assets | 1.1033% | 929 |
| Noninterest expense to average assets | 3.9118% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7445% | 3,569 |
| Return on assets (ROA) | 0.7445% | 3,698 |
| Pretax return on assets | 1.1303% | 2,946 |
| Return on Equity (ROE) | 6.5893% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.5893% | 2,196 |
| Net charge-offs to loans | 0.0668% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.4167% | 1,297 |
| Efficiency ratio | 77.5822% | 2,251 |
| Assets per employee ($millions) | 2.4839% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 2,827 |
| Loan loss allowance to noncurrent loans | 98.7403% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.6840% | 754 |
| Noncurrent loans to loans | 1.4385% | 1,984 |
| Net loans and leases to total assets | 67.7904% | 2,483 |
| Net loans and leases to deposits | 78.7618% | 2,710 |
| Net loans and leases to core deposits | 79.2525% | 3,258 |
| Total domestic deposits to total assets | 86.0702% | 2,903 |
| Equity capital to assets | 11.3292% | 2,616 |
| Core capital (leverage) ratio | 11.3390% | 2,123 |
| Tier 1 risk-based capital ratio | 17.9333% | 2,158 |
| Total risk-based capital ratio | 19.1866% | 2,116 |
| Memoranda: | ||
| Average total assets | $103,687,000 | 4,505 |
| Average earning assets | $92,982,000 | 4,575 |
| Average equity | $11,716,000 | 4,469 |
| Average total loans | $71,902,500 | 4,138 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 1,729 |
| Cost of funding earning assets | 0.5075% | 2,595 |
| Net interest margin | 4.0315% | 1,799 |
| Noninterest income to average assets | 0.9374% | 1,390 |
| Noninterest expense to average assets | 3.8199% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4761% | 4,901 |
| Return on assets (ROA) | 0.5044% | 4,881 |
| Pretax return on assets | 0.7661% | 4,381 |
| Return on Equity (ROE) | 4.6804% | 4,811 |
| Retained earnings to average equity (ytd only) | 0.2649% | 5,661 |
| Net charge-offs to loans | 0.0195% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 58.4615% | 808 |
| Efficiency ratio | 84.0804% | 1,402 |
| Assets per employee ($millions) | 2.4536% | 6,185 |
| Cash dividends to net income (ytd only)* | 94.3396% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 2,797 |
| Loan loss allowance to noncurrent loans | 77.2864% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 3.1363% | 624 |
| Noncurrent loans to loans | 1.8511% | 1,538 |
| Net loans and leases to total assets | 68.9309% | 2,405 |
| Net loans and leases to deposits | 80.1006% | 2,696 |
| Net loans and leases to core deposits | 80.6060% | 3,226 |
| Total domestic deposits to total assets | 86.0554% | 2,807 |
| Equity capital to assets | 11.2692% | 2,632 |
| Core capital (leverage) ratio | 11.1071% | 2,309 |
| Tier 1 risk-based capital ratio | 16.9750% | 2,526 |
| Total risk-based capital ratio | 18.2283% | 2,482 |
| Memoranda: | ||
| Average total assets | $105,081,600 | 4,477 |
| Average earning assets | $93,984,200 | 4,552 |
| Average equity | $11,323,800 | 4,494 |
| Average total loans | $66,829,600 | 4,269 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 2,122 |
| Cost of funding earning assets | 0.5237% | 2,533 |
| Net interest margin | 3.9060% | 2,210 |
| Noninterest income to average assets | 0.8612% | 1,657 |
| Noninterest expense to average assets | 3.7768% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3801% | 5,320 |
| Return on assets (ROA) | 0.3801% | 5,397 |
| Pretax return on assets | 0.5783% | 5,093 |
| Return on Equity (ROE) | 3.5668% | 5,344 |
| Retained earnings to average equity (ytd only) | -2.3582% | 6,100 |
| Net charge-offs to loans | -0.0773% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7208% | 1,113 |
| Assets per employee ($millions) | 2.4363% | 6,268 |
| Cash dividends to net income (ytd only)* | 166.1143% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 2,302 |
| Loan loss allowance to noncurrent loans | 88.9803% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 3.0097% | 783 |
| Noncurrent loans to loans | 1.7986% | 1,804 |
| Net loans and leases to total assets | 63.5039% | 3,261 |
| Net loans and leases to deposits | 73.4799% | 3,498 |
| Net loans and leases to core deposits | 73.9331% | 3,946 |
| Total domestic deposits to total assets | 86.4235% | 2,629 |
| Equity capital to assets | 10.8054% | 3,175 |
| Core capital (leverage) ratio | 10.8157% | 2,678 |
| Tier 1 risk-based capital ratio | 18.0075% | 2,207 |
| Total risk-based capital ratio | 19.2637% | 2,164 |
| Memoranda: | ||
| Average total assets | $105,589,250 | 4,509 |
| Average earning assets | $94,450,500 | 4,588 |
| Average equity | $11,251,500 | 4,541 |
| Average total loans | $65,520,750 | 4,350 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,425 |
| Cost of funding earning assets | 0.5373% | 2,464 |
| Net interest margin | 3.8036% | 2,561 |
| Noninterest income to average assets | 1.1108% | 964 |
| Noninterest expense to average assets | 3.9050% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3967% | 5,235 |
| Return on assets (ROA) | 0.3967% | 5,306 |
| Pretax return on assets | 0.6027% | 4,948 |
| Return on Equity (ROE) | 3.7404% | 5,256 |
| Retained earnings to average equity (ytd only) | -5.1653% | 6,249 |
| Net charge-offs to loans | -0.0617% | 5,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6303% | 1,206 |
| Assets per employee ($millions) | 2.4142% | 6,344 |
| Cash dividends to net income (ytd only)* | 238.0952% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 2,471 |
| Loan loss allowance to noncurrent loans | 74.7191% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 3.1866% | 780 |
| Noncurrent loans to loans | 2.1370% | 1,556 |
| Net loans and leases to total assets | 61.7297% | 3,448 |
| Net loans and leases to deposits | 71.1806% | 3,684 |
| Net loans and leases to core deposits | 71.6120% | 4,085 |
| Total domestic deposits to total assets | 86.7226% | 2,620 |
| Equity capital to assets | 10.5803% | 3,339 |
| Core capital (leverage) ratio | 10.6603% | 2,762 |
| Tier 1 risk-based capital ratio | 17.9765% | 2,253 |
| Total risk-based capital ratio | 19.2328% | 2,218 |
| Memoranda: | ||
| Average total assets | $105,865,000 | 4,537 |
| Average earning assets | $94,541,670 | 4,625 |
| Average equity | $11,228,670 | 4,548 |
| Average total loans | $64,824,330 | 4,399 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 3,092 |
| Cost of funding earning assets | 0.5603% | 2,343 |
| Net interest margin | 3.5865% | 3,307 |
| Noninterest income to average assets | 0.9841% | 1,165 |
| Noninterest expense to average assets | 3.9135% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1741% | 5,870 |
| Return on assets (ROA) | 0.1741% | 5,915 |
| Pretax return on assets | 0.2687% | 5,785 |
| Return on Equity (ROE) | 1.6394% | 5,888 |
| Retained earnings to average equity (ytd only) | -16.1803% | 6,484 |
| Net charge-offs to loans | -0.0375% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5747% | 774 |
| Assets per employee ($millions) | 2.4762% | 6,381 |
| Cash dividends to net income (ytd only)* | 1,086.9565% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 2,526 |
| Loan loss allowance to noncurrent loans | 72.5639% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 3.6383% | 704 |
| Noncurrent loans to loans | 2.2687% | 1,586 |
| Net loans and leases to total assets | 58.9136% | 3,715 |
| Net loans and leases to deposits | 67.6765% | 3,892 |
| Net loans and leases to core deposits | 68.0834% | 4,298 |
| Total domestic deposits to total assets | 87.0518% | 2,775 |
| Equity capital to assets | 10.3524% | 3,400 |
| Core capital (leverage) ratio | 10.4472% | 2,994 |
| Tier 1 risk-based capital ratio | 18.3593% | 2,161 |
| Total risk-based capital ratio | 19.6149% | 2,127 |
| Memoranda: | ||
| Average total assets | $105,684,500 | 4,590 |
| Average earning assets | $94,242,000 | 4,677 |
| Average equity | $11,223,500 | 4,565 |
| Average total loans | $63,918,000 | 4,461 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 2,004 |
| Cost of funding earning assets | 0.6510% | 2,195 |
| Net interest margin | 3.9073% | 2,260 |
| Noninterest income to average assets | 1.1982% | 981 |
| Noninterest expense to average assets | 3.8577% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5472% | 4,517 |
| Return on assets (ROA) | 0.5991% | 4,380 |
| Pretax return on assets | 0.9080% | 3,734 |
| Return on Equity (ROE) | 5.6258% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.6258% | 2,197 |
| Net charge-offs to loans | 0.3682% | 1,839 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.9204% | 3,716 |
| Efficiency ratio | 82.3048% | 1,837 |
| Assets per employee ($millions) | 2.4393% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 2,648 |
| Loan loss allowance to noncurrent loans | 47.4330% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 4.4713% | 569 |
| Noncurrent loans to loans | 3.4361% | 927 |
| Net loans and leases to total assets | 60.0738% | 3,706 |
| Net loans and leases to deposits | 69.5696% | 3,837 |
| Net loans and leases to core deposits | 70.1927% | 4,271 |
| Total domestic deposits to total assets | 86.3506% | 3,079 |
| Equity capital to assets | 10.8913% | 2,712 |
| Core capital (leverage) ratio | 10.8877% | 2,491 |
| Tier 1 risk-based capital ratio | 19.0680% | 1,899 |
| Total risk-based capital ratio | 20.3240% | 1,856 |
| Memoranda: | ||
| Average total assets | $106,825,600 | 4,571 |
| Average earning assets | $95,384,800 | 4,640 |
| Average equity | $11,376,200 | 4,563 |
| Average total loans | $61,379,000 | 4,568 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 2,181 |
| Cost of funding earning assets | 0.6605% | 2,261 |
| Net interest margin | 3.8519% | 2,456 |
| Noninterest income to average assets | 1.1816% | 1,052 |
| Noninterest expense to average assets | 3.9300% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4592% | 4,982 |
| Return on assets (ROA) | 0.5281% | 4,836 |
| Pretax return on assets | 0.7977% | 4,298 |
| Return on Equity (ROE) | 4.9863% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.9863% | 3,097 |
| Net charge-offs to loans | 0.5227% | 1,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.3445% | 4,056 |
| Efficiency ratio | 85.0040% | 1,474 |
| Assets per employee ($millions) | 2.3150% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 2,862 |
| Loan loss allowance to noncurrent loans | 81.3880% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.5704% | 937 |
| Noncurrent loans to loans | 2.0097% | 2,239 |
| Net loans and leases to total assets | 58.2807% | 3,965 |
| Net loans and leases to deposits | 67.2788% | 4,142 |
| Net loans and leases to core deposits | 67.8696% | 4,538 |
| Total domestic deposits to total assets | 86.6257% | 2,902 |
| Equity capital to assets | 10.4838% | 3,296 |
| Core capital (leverage) ratio | 10.5863% | 2,910 |
| Tier 1 risk-based capital ratio | 18.9421% | 2,008 |
| Total risk-based capital ratio | 20.1983% | 1,962 |
| Memoranda: | ||
| Average total assets | $107,309,250 | 4,608 |
| Average earning assets | $95,880,750 | 4,668 |
| Average equity | $11,364,250 | 4,615 |
| Average total loans | $60,709,750 | 4,634 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 2,682 |
| Cost of funding earning assets | 0.6721% | 2,291 |
| Net interest margin | 3.6978% | 2,965 |
| Noninterest income to average assets | 1.1452% | 1,165 |
| Noninterest expense to average assets | 3.9579% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3235% | 5,506 |
| Return on assets (ROA) | 0.3235% | 5,664 |
| Pretax return on assets | 0.4908% | 5,409 |
| Return on Equity (ROE) | 3.0444% | 5,605 |
| Retained earnings to average equity (ytd only) | 3.0444% | 4,382 |
| Net charge-offs to loans | 0.7477% | 863 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.1786% | 4,143 |
| Efficiency ratio | 88.9678% | 1,134 |
| Assets per employee ($millions) | 2.3748% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 2,621 |
| Loan loss allowance to noncurrent loans | 72.2875% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 3.5764% | 1,052 |
| Noncurrent loans to loans | 2.4083% | 1,951 |
| Net loans and leases to total assets | 55.2449% | 4,411 |
| Net loans and leases to deposits | 63.8235% | 4,530 |
| Net loans and leases to core deposits | 64.1717% | 4,873 |
| Total domestic deposits to total assets | 86.5589% | 3,090 |
| Equity capital to assets | 10.6807% | 3,082 |
| Core capital (leverage) ratio | 10.2806% | 3,122 |
| Tier 1 risk-based capital ratio | 19.4659% | 1,865 |
| Total risk-based capital ratio | 20.7228% | 1,838 |
| Memoranda: | ||
| Average total assets | $107,583,000 | 4,626 |
| Average earning assets | $96,111,330 | 4,696 |
| Average equity | $11,431,000 | 4,640 |
| Average total loans | $59,915,000 | 4,676 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,809 |
| Cost of funding earning assets | 0.6979% | 2,233 |
| Net interest margin | 3.6223% | 3,176 |
| Noninterest income to average assets | 1.1525% | 1,133 |
| Noninterest expense to average assets | 3.9836% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2631% | 5,688 |
| Return on assets (ROA) | 0.2631% | 5,808 |
| Pretax return on assets | 0.4002% | 5,559 |
| Return on Equity (ROE) | 2.4826% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.4826% | 4,784 |
| Net charge-offs to loans | 1.5042% | 362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4800% | 3,660 |
| Efficiency ratio | 90.8707% | 1,073 |
| Assets per employee ($millions) | 2.3867% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,731 |
| Loan loss allowance to noncurrent loans | 72.6704% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 3.6750% | 1,134 |
| Noncurrent loans to loans | 2.4372% | 2,113 |
| Net loans and leases to total assets | 53.9623% | 4,424 |
| Net loans and leases to deposits | 62.2761% | 4,504 |
| Net loans and leases to core deposits | 62.6132% | 4,891 |
| Total domestic deposits to total assets | 86.6500% | 3,156 |
| Equity capital to assets | 10.6498% | 3,381 |
| Core capital (leverage) ratio | 10.2251% | 3,113 |
| Tier 1 risk-based capital ratio | 19.5552% | 1,893 |
| Total risk-based capital ratio | 20.8136% | 1,865 |
| Memoranda: | ||
| Average total assets | $107,941,500 | 4,657 |
| Average earning assets | $96,293,500 | 4,730 |
| Average equity | $11,439,500 | 4,692 |
| Average total loans | $59,830,500 | 4,714 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 2,342 |
| Cost of funding earning assets | 1.1049% | 892 |
| Net interest margin | 3.6589% | 3,835 |
| Noninterest income to average assets | 1.1976% | 1,093 |
| Noninterest expense to average assets | 3.9385% | 1,055 |
| Loan and lease loss provision to assets | 0.0088% | 5,810 |
| Net operating income to assets | 0.3378% | 5,338 |
| Return on assets (ROA) | 0.6450% | 4,275 |
| Pretax return on assets | 0.9794% | 3,621 |
| Return on Equity (ROE) | 6.5928% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.5928% | 1,767 |
| Net charge-offs to loans | 0.2966% | 3,164 |
| Credit loss provision to net charge-offs | 5.5249% | 5,444 |
| Earnings coverage of net charge-offs (x) | 3.2818% | 3,787 |
| Efficiency ratio | 88.2840% | 1,219 |
| Assets per employee ($millions) | 2.4107% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0936% | 1,789 |
| Loan loss allowance to noncurrent loans | 42.1647% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 5.0985% | 748 |
| Noncurrent loans to loans | 4.9654% | 810 |
| Net loans and leases to total assets | 54.7464% | 4,499 |
| Net loans and leases to deposits | 63.1862% | 4,638 |
| Net loans and leases to core deposits | 63.5248% | 5,012 |
| Total domestic deposits to total assets | 86.6429% | 3,027 |
| Equity capital to assets | 10.5465% | 3,473 |
| Core capital (leverage) ratio | 9.6673% | 3,865 |
| Tier 1 risk-based capital ratio | 19.1253% | 1,924 |
| Total risk-based capital ratio | 20.3869% | 1,892 |
| Memoranda: | ||
| Average total assets | $113,646,600 | 4,507 |
| Average earning assets | $101,370,600 | 4,565 |
| Average equity | $11,118,200 | 4,734 |
| Average total loans | $61,021,200 | 4,673 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 2,436 |
| Cost of funding earning assets | 1.1393% | 907 |
| Net interest margin | 3.6479% | 4,012 |
| Noninterest income to average assets | 1.2145% | 1,013 |
| Noninterest expense to average assets | 3.9325% | 1,027 |
| Loan and lease loss provision to assets | 0.0116% | 5,663 |
| Net operating income to assets | 0.3480% | 5,440 |
| Return on assets (ROA) | 0.3480% | 5,643 |
| Pretax return on assets | 0.5278% | 5,383 |
| Return on Equity (ROE) | 3.6239% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.6239% | 4,329 |
| Net charge-offs to loans | 0.0676% | 4,740 |
| Credit loss provision to net charge-offs | 32.2581% | 4,765 |
| Earnings coverage of net charge-offs (x) | 15.0007% | 1,804 |
| Efficiency ratio | 87.9377% | 1,199 |
| Assets per employee ($millions) | 2.6656% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3214% | 1,477 |
| Loan loss allowance to noncurrent loans | 112.8776% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 3.8196% | 1,285 |
| Noncurrent loans to loans | 2.0566% | 2,786 |
| Net loans and leases to total assets | 52.1284% | 5,029 |
| Net loans and leases to deposits | 60.8994% | 5,096 |
| Net loans and leases to core deposits | 61.4013% | 5,415 |
| Total domestic deposits to total assets | 85.5975% | 3,462 |
| Equity capital to assets | 9.9181% | 4,626 |
| Core capital (leverage) ratio | 9.0980% | 4,917 |
| Tier 1 risk-based capital ratio | 18.0524% | 2,312 |
| Total risk-based capital ratio | 19.3169% | 2,287 |
| Memoranda: | ||
| Average total assets | $114,937,750 | 4,513 |
| Average earning assets | $102,633,000 | 4,584 |
| Average equity | $11,037,500 | 4,799 |
| Average total loans | $61,111,500 | 4,721 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7711% | 2,634 |
| Cost of funding earning assets | 1.1567% | 993 |
| Net interest margin | 3.6144% | 4,200 |
| Noninterest income to average assets | 1.1265% | 1,122 |
| Noninterest expense to average assets | 4.0767% | 857 |
| Loan and lease loss provision to assets | 0.0174% | 5,448 |
| Net operating income to assets | 0.1669% | 6,008 |
| Return on assets (ROA) | 0.1669% | 6,181 |
| Pretax return on assets | 0.2538% | 6,051 |
| Return on Equity (ROE) | 1.7571% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.7571% | 5,316 |
| Net charge-offs to loans | 0.1015% | 4,146 |
| Credit loss provision to net charge-offs | 32.2581% | 4,402 |
| Earnings coverage of net charge-offs (x) | 5.0323% | 2,925 |
| Efficiency ratio | 93.7625% | 816 |
| Assets per employee ($millions) | 2.5693% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3162% | 1,564 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 4.2709% | 1,168 |
| Noncurrent loans to loans | 2.8953% | 2,067 |
| Net loans and leases to total assets | 51.7960% | 5,124 |
| Net loans and leases to deposits | 60.2754% | 5,222 |
| Net loans and leases to core deposits | 60.4567% | 5,548 |
| Total domestic deposits to total assets | 85.9322% | 3,387 |
| Equity capital to assets | 9.6515% | 4,830 |
| Core capital (leverage) ratio | 8.8389% | 5,149 |
| Tier 1 risk-based capital ratio | 17.4647% | 2,481 |
| Total risk-based capital ratio | 18.7294% | 2,445 |
| Memoranda: | ||
| Average total assets | $115,044,000 | 4,527 |
| Average earning assets | $102,533,000 | 4,615 |
| Average equity | $10,927,330 | 4,827 |
| Average total loans | $61,092,330 | 4,739 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 2,651 |
| Cost of funding earning assets | 1.1897% | 1,034 |
| Net interest margin | 3.6083% | 4,227 |
| Noninterest income to average assets | 1.2060% | 989 |
| Noninterest expense to average assets | 4.4268% | 583 |
| Loan and lease loss provision to assets | 0.0349% | 4,947 |
| Net operating income to assets | -0.0349% | 6,464 |
| Return on assets (ROA) | -0.0349% | 6,561 |
| Pretax return on assets | -0.0523% | 6,573 |
| Return on Equity (ROE) | -0.3700% | 6,573 |
| Retained earnings to average equity (ytd only) | -0.3700% | 6,059 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3953% | 541 |
| Assets per employee ($millions) | 2.7605% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 1,470 |
| Loan loss allowance to noncurrent loans | 96.6689% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 4.6783% | 1,129 |
| Noncurrent loans to loans | 2.5028% | 2,605 |
| Net loans and leases to total assets | 50.4770% | 5,237 |
| Net loans and leases to deposits | 58.3206% | 5,340 |
| Net loans and leases to core deposits | 58.4920% | 5,672 |
| Total domestic deposits to total assets | 86.5508% | 3,211 |
| Equity capital to assets | 9.3410% | 5,039 |
| Core capital (leverage) ratio | 8.7977% | 5,133 |
| Tier 1 risk-based capital ratio | 17.3262% | 2,540 |
| Total risk-based capital ratio | 18.5907% | 2,504 |
| Memoranda: | ||
| Average total assets | $114,756,500 | 4,571 |
| Average earning assets | $101,876,000 | 4,655 |
| Average equity | $10,811,500 | 4,861 |
| Average total loans | $60,985,500 | 4,771 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 2,603 |
| Cost of funding earning assets | 1.3479% | 1,251 |
| Net interest margin | 3.7128% | 4,243 |
| Noninterest income to average assets | 1.1252% | 1,041 |
| Noninterest expense to average assets | 3.8246% | 1,299 |
| Loan and lease loss provision to assets | 0.1092% | 5,228 |
| Net operating income to assets | 0.3075% | 5,225 |
| Return on assets (ROA) | 0.3075% | 5,382 |
| Pretax return on assets | 0.4665% | 5,087 |
| Return on Equity (ROE) | 3.3827% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.3827% | 3,815 |
| Net charge-offs to loans | 0.1155% | 5,221 |
| Credit loss provision to net charge-offs | 166.6667% | 1,619 |
| Earnings coverage of net charge-offs (x) | 8.7867% | 2,092 |
| Efficiency ratio | 86.9168% | 1,452 |
| Assets per employee ($millions) | 2.9121% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3243% | 1,586 |
| Loan loss allowance to noncurrent loans | 90.6860% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 4.8982% | 1,101 |
| Noncurrent loans to loans | 2.5630% | 2,562 |
| Net loans and leases to total assets | 53.3190% | 5,126 |
| Net loans and leases to deposits | 61.7855% | 5,276 |
| Net loans and leases to core deposits | 61.9695% | 5,653 |
| Total domestic deposits to total assets | 86.2969% | 3,142 |
| Equity capital to assets | 9.5031% | 4,890 |
| Core capital (leverage) ratio | 8.8787% | 4,980 |
| Tier 1 risk-based capital ratio | 16.7600% | 2,712 |
| Total risk-based capital ratio | 18.0232% | 2,669 |
| Memoranda: | ||
| Average total assets | $114,470,200 | 4,535 |
| Average earning assets | $100,974,200 | 4,613 |
| Average equity | $10,406,000 | 4,923 |
| Average total loans | $64,939,000 | 4,679 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 2,623 |
| Cost of funding earning assets | 1.3831% | 1,307 |
| Net interest margin | 3.7128% | 4,274 |
| Noninterest income to average assets | 1.3148% | 759 |
| Noninterest expense to average assets | 3.9257% | 1,112 |
| Loan and lease loss provision to assets | 0.1104% | 5,054 |
| Net operating income to assets | 0.3639% | 5,147 |
| Return on assets (ROA) | 0.3639% | 5,338 |
| Pretax return on assets | 0.5522% | 4,966 |
| Return on Equity (ROE) | 4.0480% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.0480% | 3,847 |
| Net charge-offs to loans | 0.1563% | 4,522 |
| Credit loss provision to net charge-offs | 123.3766% | 2,612 |
| Earnings coverage of net charge-offs (x) | 7.4029% | 2,365 |
| Efficiency ratio | 85.5587% | 1,578 |
| Assets per employee ($millions) | 2.7722% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2246% | 1,812 |
| Loan loss allowance to noncurrent loans | 86.9753% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 5.3977% | 1,040 |
| Noncurrent loans to loans | 2.5577% | 2,707 |
| Net loans and leases to total assets | 54.4858% | 5,091 |
| Net loans and leases to deposits | 63.2396% | 5,265 |
| Net loans and leases to core deposits | 63.4255% | 5,684 |
| Total domestic deposits to total assets | 86.1577% | 3,127 |
| Equity capital to assets | 9.4511% | 5,163 |
| Core capital (leverage) ratio | 8.7892% | 5,282 |
| Tier 1 risk-based capital ratio | 16.1469% | 3,039 |
| Total risk-based capital ratio | 17.4100% | 2,996 |
| Memoranda: | ||
| Average total assets | $114,694,500 | 4,562 |
| Average earning assets | $101,124,000 | 4,638 |
| Average equity | $10,309,250 | 4,962 |
| Average total loans | $65,674,500 | 4,691 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0807% | 2,768 |
| Cost of funding earning assets | 1.4178% | 1,339 |
| Net interest margin | 3.6629% | 4,451 |
| Noninterest income to average assets | 1.3700% | 678 |
| Noninterest expense to average assets | 3.8456% | 1,284 |
| Loan and lease loss provision to assets | 0.1130% | 4,879 |
| Net operating income to assets | 0.4190% | 4,860 |
| Return on assets (ROA) | 0.4190% | 5,012 |
| Pretax return on assets | 0.6363% | 4,628 |
| Return on Equity (ROE) | 4.7418% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.7418% | 3,166 |
| Net charge-offs to loans | 0.1083% | 4,606 |
| Credit loss provision to net charge-offs | 180.5556% | 1,671 |
| Earnings coverage of net charge-offs (x) | 11.9722% | 1,661 |
| Efficiency ratio | 83.6928% | 1,858 |
| Assets per employee ($millions) | 2.7711% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 2,003 |
| Loan loss allowance to noncurrent loans | 75.8547% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 5.2867% | 1,145 |
| Noncurrent loans to loans | 2.8435% | 2,568 |
| Net loans and leases to total assets | 55.3455% | 5,095 |
| Net loans and leases to deposits | 63.7867% | 5,300 |
| Net loans and leases to core deposits | 63.9666% | 5,721 |
| Total domestic deposits to total assets | 86.7666% | 2,878 |
| Equity capital to assets | 8.9838% | 5,601 |
| Core capital (leverage) ratio | 8.5527% | 5,468 |
| Tier 1 risk-based capital ratio | 15.4269% | 3,283 |
| Total risk-based capital ratio | 16.6884% | 3,219 |
| Memoranda: | ||
| Average total assets | $115,039,670 | 4,584 |
| Average earning assets | $101,285,330 | 4,670 |
| Average equity | $10,165,000 | 5,006 |
| Average total loans | $66,453,670 | 4,706 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 2,499 |
| Cost of funding earning assets | 1.4552% | 1,357 |
| Net interest margin | 3.6798% | 4,203 |
| Noninterest income to average assets | 1.4795% | 587 |
| Noninterest expense to average assets | 3.8893% | 1,185 |
| Loan and lease loss provision to assets | 0.1224% | 4,476 |
| Net operating income to assets | 0.4582% | 4,668 |
| Return on assets (ROA) | 0.4582% | 4,758 |
| Pretax return on assets | 0.6960% | 4,316 |
| Return on Equity (ROE) | 5.2298% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.2298% | 3,042 |
| Net charge-offs to loans | 0.0539% | 4,399 |
| Credit loss provision to net charge-offs | 388.8889% | 857 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 82.6152% | 2,135 |
| Assets per employee ($millions) | 2.6799% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 2,052 |
| Loan loss allowance to noncurrent loans | 189.4385% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 5.2953% | 1,163 |
| Noncurrent loans to loans | 1.1407% | 4,798 |
| Net loans and leases to total assets | 55.6732% | 5,050 |
| Net loans and leases to deposits | 63.9663% | 5,256 |
| Net loans and leases to core deposits | 64.1454% | 5,708 |
| Total domestic deposits to total assets | 87.0352% | 2,920 |
| Equity capital to assets | 8.7699% | 5,544 |
| Core capital (leverage) ratio | 8.6407% | 5,190 |
| Tier 1 risk-based capital ratio | 14.8351% | 3,518 |
| Total risk-based capital ratio | 16.0960% | 3,474 |
| Memoranda: | ||
| Average total assets | $114,366,000 | 4,633 |
| Average earning assets | $100,332,000 | 4,733 |
| Average equity | $10,019,500 | 5,048 |
| Average total loans | $66,763,000 | 4,743 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 3,188 |
| Cost of funding earning assets | 1.7278% | 1,472 |
| Net interest margin | 3.5600% | 4,995 |
| Noninterest income to average assets | 1.3853% | 759 |
| Noninterest expense to average assets | 3.7845% | 1,514 |
| Loan and lease loss provision to assets | 0.4893% | 3,213 |
| Net operating income to assets | 0.1522% | 5,435 |
| Return on assets (ROA) | 0.1522% | 5,592 |
| Pretax return on assets | 0.2210% | 5,439 |
| Return on Equity (ROE) | 1.7714% | 5,475 |
| Retained earnings to average equity (ytd only) | 1.7714% | 4,615 |
| Net charge-offs to loans | 0.1287% | 5,612 |
| Credit loss provision to net charge-offs | 625.2747% | 341 |
| Earnings coverage of net charge-offs (x) | 9.0769% | 1,882 |
| Efficiency ratio | 84.1974% | 1,893 |
| Assets per employee ($millions) | 2.5222% | 6,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0470% | 2,181 |
| Loan loss allowance to noncurrent loans | 178.5623% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 5.4460% | 1,140 |
| Noncurrent loans to loans | 1.1464% | 4,817 |
| Net loans and leases to total assets | 58.6474% | 4,929 |
| Net loans and leases to deposits | 67.4534% | 5,175 |
| Net loans and leases to core deposits | 67.6426% | 5,691 |
| Total domestic deposits to total assets | 86.9450% | 2,854 |
| Equity capital to assets | 8.7518% | 5,506 |
| Core capital (leverage) ratio | 8.5100% | 5,344 |
| Tier 1 risk-based capital ratio | 14.3739% | 3,631 |
| Total risk-based capital ratio | 15.6341% | 3,577 |
| Memoranda: | ||
| Average total assets | $116,288,600 | 4,568 |
| Average earning assets | $101,572,200 | 4,683 |
| Average equity | $9,992,200 | 5,141 |
| Average total loans | $70,685,600 | 4,660 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 3,094 |
| Cost of funding earning assets | 1.7780% | 1,517 |
| Net interest margin | 3.5770% | 4,982 |
| Noninterest income to average assets | 1.4337% | 660 |
| Noninterest expense to average assets | 3.9274% | 1,164 |
| Loan and lease loss provision to assets | 0.4262% | 3,355 |
| Net operating income to assets | 0.1311% | 5,685 |
| Return on assets (ROA) | 0.1311% | 5,851 |
| Pretax return on assets | 0.2006% | 5,735 |
| Return on Equity (ROE) | 1.5322% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.5322% | 5,188 |
| Net charge-offs to loans | -0.2018% | 7,618 |
| Credit loss provision to net charge-offs | -346.2963% | 6,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2362% | 1,607 |
| Assets per employee ($millions) | 2.6744% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0151% | 2,181 |
| Loan loss allowance to noncurrent loans | 1,041.0448% | 359 |
| Noncurrent assets plus other real estate owned to assets | 4.9887% | 1,292 |
| Noncurrent loans to loans | 0.1936% | 6,796 |
| Net loans and leases to total assets | 58.9838% | 5,108 |
| Net loans and leases to deposits | 68.0791% | 5,409 |
| Net loans and leases to core deposits | 68.2662% | 5,911 |
| Total domestic deposits to total assets | 86.6401% | 2,722 |
| Equity capital to assets | 8.8164% | 5,837 |
| Core capital (leverage) ratio | 8.3440% | 5,801 |
| Tier 1 risk-based capital ratio | 13.7044% | 4,053 |
| Total risk-based capital ratio | 14.9628% | 4,002 |
| Memoranda: | ||
| Average total assets | $116,986,500 | 4,608 |
| Average earning assets | $102,057,000 | 4,725 |
| Average equity | $10,007,000 | 5,192 |
| Average total loans | $71,368,500 | 4,704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 3,155 |
| Cost of funding earning assets | 1.8193% | 1,572 |
| Net interest margin | 3.5412% | 5,086 |
| Noninterest income to average assets | 1.5691% | 523 |
| Noninterest expense to average assets | 3.8420% | 1,281 |
| Loan and lease loss provision to assets | 0.5848% | 2,438 |
| Net operating income to assets | 0.1496% | 5,722 |
| Return on assets (ROA) | 0.1496% | 5,840 |
| Pretax return on assets | 0.2295% | 5,706 |
| Return on Equity (ROE) | 1.7665% | 5,705 |
| Retained earnings to average equity (ytd only) | 1.7665% | 4,983 |
| Net charge-offs to loans | -0.3246% | 7,698 |
| Credit loss provision to net charge-offs | -294.0171% | 6,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5119% | 2,100 |
| Assets per employee ($millions) | 2.5005% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 2,293 |
| Loan loss allowance to noncurrent loans | 216.0377% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 4.9676% | 1,304 |
| Noncurrent loans to loans | 0.9045% | 5,469 |
| Net loans and leases to total assets | 58.6597% | 5,307 |
| Net loans and leases to deposits | 67.3348% | 5,638 |
| Net loans and leases to core deposits | 67.5128% | 6,097 |
| Total domestic deposits to total assets | 87.1165% | 2,475 |
| Equity capital to assets | 8.5695% | 6,065 |
| Core capital (leverage) ratio | 8.1508% | 6,034 |
| Tier 1 risk-based capital ratio | 13.4939% | 4,071 |
| Total risk-based capital ratio | 14.7517% | 4,029 |
| Memoranda: | ||
| Average total assets | $117,648,330 | 4,624 |
| Average earning assets | $102,565,000 | 4,733 |
| Average equity | $9,963,000 | 5,213 |
| Average total loans | $72,082,330 | 4,711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3401% | 3,345 |
| Cost of funding earning assets | 1.8491% | 1,660 |
| Net interest margin | 3.4910% | 5,199 |
| Noninterest income to average assets | 1.0296% | 1,208 |
| Noninterest expense to average assets | 3.6054% | 1,726 |
| Loan and lease loss provision to assets | 0.6083% | 2,095 |
| Net operating income to assets | -0.1019% | 6,434 |
| Return on assets (ROA) | -0.1019% | 6,510 |
| Pretax return on assets | -0.1495% | 6,506 |
| Return on Equity (ROE) | -1.2110% | 6,548 |
| Retained earnings to average equity (ytd only) | -1.2110% | 6,083 |
| Net charge-offs to loans | -0.5756% | 7,810 |
| Credit loss provision to net charge-offs | -170.4762% | 6,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7124% | 1,526 |
| Assets per employee ($millions) | 2.4610% | 7,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6570% | 3,221 |
| Loan loss allowance to noncurrent loans | 80.2817% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 6.6251% | 847 |
| Noncurrent loans to loans | 2.0640% | 3,703 |
| Net loans and leases to total assets | 60.1409% | 5,100 |
| Net loans and leases to deposits | 68.7286% | 5,507 |
| Net loans and leases to core deposits | 68.9066% | 6,013 |
| Total domestic deposits to total assets | 87.5049% | 2,355 |
| Equity capital to assets | 8.3817% | 6,182 |
| Core capital (leverage) ratio | 8.0867% | 6,105 |
| Tier 1 risk-based capital ratio | 12.4819% | 4,771 |
| Total risk-based capital ratio | 13.7364% | 4,713 |
| Memoranda: | ||
| Average total assets | $117,711,500 | 4,679 |
| Average earning assets | $102,320,000 | 4,804 |
| Average equity | $9,909,000 | 5,263 |
| Average total loans | $72,967,500 | 4,747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 2,397 |
| Cost of funding earning assets | 2.1488% | 2,241 |
| Net interest margin | 3.7140% | 4,076 |
| Noninterest income to average assets | 1.2089% | 1,054 |
| Noninterest expense to average assets | 3.8003% | 1,694 |
| Loan and lease loss provision to assets | 1.1902% | 1,934 |
| Net operating income to assets | -0.2874% | 5,955 |
| Return on assets (ROA) | -0.2874% | 5,954 |
| Pretax return on assets | -0.4688% | 5,982 |
| Return on Equity (ROE) | -3.3287% | 6,030 |
| Retained earnings to average equity (ytd only) | -6.5199% | 6,202 |
| Net charge-offs to loans | 1.9166% | 1,292 |
| Credit loss provision to net charge-offs | 89.9423% | 5,997 |
| Earnings coverage of net charge-offs (x) | 0.5452% | 5,565 |
| Efficiency ratio | 84.0457% | 2,343 |
| Assets per employee ($millions) | 2.3459% | 7,413 |
| Cash dividends to net income (ytd only)* | -95.8702% | 7,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 5,123 |
| Loan loss allowance to noncurrent loans | 60.2640% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 6.8373% | 751 |
| Noncurrent loans to loans | 2.0557% | 3,580 |
| Net loans and leases to total assets | 62.0502% | 4,981 |
| Net loans and leases to deposits | 71.0175% | 5,464 |
| Net loans and leases to core deposits | 85.5124% | 5,571 |
| Total domestic deposits to total assets | 87.3731% | 2,282 |
| Equity capital to assets | 8.4546% | 5,960 |
| Core capital (leverage) ratio | 8.1046% | 5,985 |
| Tier 1 risk-based capital ratio | 11.9069% | 5,023 |
| Total risk-based capital ratio | 13.0368% | 5,085 |
| Memoranda: | ||
| Average total assets | $117,963,000 | 4,633 |
| Average earning assets | $105,223,400 | 4,698 |
| Average equity | $10,184,200 | 5,246 |
| Average total loans | $81,445,000 | 4,461 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9646% | 2,173 |
| Cost of funding earning assets | 2.1918% | 2,446 |
| Net interest margin | 3.7728% | 3,764 |
| Noninterest income to average assets | 1.1885% | 1,103 |
| Noninterest expense to average assets | 3.9797% | 1,302 |
| Loan and lease loss provision to assets | 1.3025% | 1,479 |
| Net operating income to assets | -0.4436% | 6,370 |
| Return on assets (ROA) | -0.4436% | 6,372 |
| Pretax return on assets | -0.7054% | 6,488 |
| Return on Equity (ROE) | -5.1116% | 6,467 |
| Retained earnings to average equity (ytd only) | -9.3387% | 6,747 |
| Net charge-offs to loans | 0.1247% | 5,446 |
| Credit loss provision to net charge-offs | 1,479.4872% | 267 |
| Earnings coverage of net charge-offs (x) | 6.7819% | 2,544 |
| Efficiency ratio | 86.9544% | 1,966 |
| Assets per employee ($millions) | 2.3760% | 7,411 |
| Cash dividends to net income (ytd only)* | -82.6962% | 7,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6437% | 930 |
| Loan loss allowance to noncurrent loans | 50.2223% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 7.1945% | 650 |
| Noncurrent loans to loans | 5.2639% | 1,213 |
| Net loans and leases to total assets | 67.8809% | 3,987 |
| Net loans and leases to deposits | 77.8549% | 4,758 |
| Net loans and leases to core deposits | 94.1932% | 4,996 |
| Total domestic deposits to total assets | 87.1890% | 2,081 |
| Equity capital to assets | 8.4227% | 6,357 |
| Core capital (leverage) ratio | 8.0197% | 6,328 |
| Tier 1 risk-based capital ratio | 11.5376% | 5,395 |
| Total risk-based capital ratio | 12.8039% | 5,325 |
| Memoranda: | ||
| Average total assets | $118,129,500 | 4,648 |
| Average earning assets | $106,089,750 | 4,704 |
| Average equity | $10,251,000 | 5,272 |
| Average total loans | $83,382,250 | 4,437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0642% | 1,931 |
| Cost of funding earning assets | 2.2168% | 2,711 |
| Net interest margin | 3.8475% | 3,348 |
| Noninterest income to average assets | 1.1761% | 1,125 |
| Noninterest expense to average assets | 3.8265% | 1,615 |
| Loan and lease loss provision to assets | 0.1011% | 6,162 |
| Net operating income to assets | 0.5038% | 4,077 |
| Return on assets (ROA) | 0.5038% | 4,199 |
| Pretax return on assets | 0.7110% | 3,962 |
| Return on Equity (ROE) | 5.7504% | 3,767 |
| Retained earnings to average equity (ytd only) | -0.5000% | 5,349 |
| Net charge-offs to loans | 0.0024% | 6,595 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 482.0000% | 65 |
| Efficiency ratio | 82.4918% | 2,665 |
| Assets per employee ($millions) | 2.2731% | 7,592 |
| Cash dividends to net income (ytd only)* | 108.6957% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 3,863 |
| Loan loss allowance to noncurrent loans | 45.5609% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 5.4417% | 931 |
| Noncurrent loans to loans | 3.0175% | 2,388 |
| Net loans and leases to total assets | 67.2258% | 4,310 |
| Net loans and leases to deposits | 77.2579% | 4,983 |
| Net loans and leases to core deposits | 92.8594% | 5,259 |
| Total domestic deposits to total assets | 87.0148% | 2,249 |
| Equity capital to assets | 8.6291% | 5,852 |
| Core capital (leverage) ratio | 8.5519% | 5,355 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,894 |
| Total risk-based capital ratio | 13.2789% | 4,818 |
| Memoranda: | ||
| Average total assets | $118,698,330 | 4,671 |
| Average earning assets | $106,823,000 | 4,702 |
| Average equity | $10,399,330 | 5,246 |
| Average total loans | $84,118,000 | 4,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0811% | 2,014 |
| Cost of funding earning assets | 2.2903% | 2,744 |
| Net interest margin | 3.7908% | 3,486 |
| Noninterest income to average assets | 0.9609% | 1,601 |
| Noninterest expense to average assets | 3.8842% | 1,328 |
| Loan and lease loss provision to assets | 0.1019% | 5,663 |
| Net operating income to assets | 0.3293% | 5,165 |
| Return on assets (ROA) | 0.3293% | 5,352 |
| Pretax return on assets | 0.3973% | 5,403 |
| Return on Equity (ROE) | 3.7304% | 5,067 |
| Retained earnings to average equity (ytd only) | -8.7684% | 6,994 |
| Net charge-offs to loans | 0.1316% | 3,906 |
| Credit loss provision to net charge-offs | 107.1429% | 3,567 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,712 |
| Efficiency ratio | 88.6135% | 1,838 |
| Assets per employee ($millions) | 2.3116% | 7,570 |
| Cash dividends to net income (ytd only)* | 335.0515% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 4,110 |
| Loan loss allowance to noncurrent loans | 117.0306% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 4.0823% | 1,254 |
| Noncurrent loans to loans | 1.1060% | 4,774 |
| Net loans and leases to total assets | 68.0094% | 4,136 |
| Net loans and leases to deposits | 78.0381% | 4,916 |
| Net loans and leases to core deposits | 93.6296% | 5,194 |
| Total domestic deposits to total assets | 87.1490% | 2,149 |
| Equity capital to assets | 8.5690% | 5,959 |
| Core capital (leverage) ratio | 8.6603% | 5,231 |
| Tier 1 risk-based capital ratio | 11.7005% | 5,204 |
| Total risk-based capital ratio | 12.9476% | 5,129 |
| Memoranda: | ||
| Average total assets | $117,809,500 | 4,708 |
| Average earning assets | $106,363,000 | 4,739 |
| Average equity | $10,401,000 | 5,258 |
| Average total loans | $85,117,000 | 4,454 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7702% | 1,789 |
| Cost of funding earning assets | 2.7687% | 2,839 |
| Net interest margin | 4.0014% | 3,102 |
| Noninterest income to average assets | 1.2595% | 929 |
| Noninterest expense to average assets | 3.9038% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6418% | 4,137 |
| Return on assets (ROA) | 0.6430% | 3,983 |
| Pretax return on assets | 1.0042% | 3,366 |
| Return on Equity (ROE) | 7.2326% | 3,413 |
| Retained earnings to average equity (ytd only) | 4.8979% | 2,086 |
| Net charge-offs to loans | 0.6324% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2.1996% | 4,975 |
| Efficiency ratio | 79.5680% | 2,657 |
| Assets per employee ($millions) | 2.1374% | 7,787 |
| Cash dividends to net income (ytd only)* | 32.2802% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 4,351 |
| Loan loss allowance to noncurrent loans | 124.2741% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 2.2137% | 2,205 |
| Noncurrent loans to loans | 0.9850% | 4,624 |
| Net loans and leases to total assets | 74.8098% | 2,921 |
| Net loans and leases to deposits | 86.5248% | 4,028 |
| Net loans and leases to core deposits | 103.6070% | 4,433 |
| Total domestic deposits to total assets | 86.4605% | 2,187 |
| Equity capital to assets | 9.0991% | 5,228 |
| Core capital (leverage) ratio | 9.1272% | 4,557 |
| Tier 1 risk-based capital ratio | 11.8689% | 4,924 |
| Total risk-based capital ratio | 13.1037% | 4,842 |
| Memoranda: | ||
| Average total assets | $113,223,000 | 4,687 |
| Average earning assets | $103,188,000 | 4,708 |
| Average equity | $10,065,600 | 5,391 |
| Average total loans | $81,590,600 | 4,471 |