Home > Prairie Bank of Kansas > Performance and Condition Ratios
Prairie Bank of Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,805 |
| Cost of funding earning assets | 0.8822% | 3,559 |
| Net interest margin | 3.2200% | 2,833 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.5414% | 2,184 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4861% | 3,692 |
| Return on assets (ROA) | 0.4854% | 3,693 |
| Pretax return on assets | 0.6408% | 3,560 |
| Return on Equity (ROE) | 6.5100% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.7700% | 3,039 |
| Net charge-offs to loans | -0.0014% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.6418% | 937 |
| Assets per employee ($millions) | 5.0070% | 3,627 |
| Cash dividends to net income (ytd only)* | 42.1227% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 2,910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.6100% | 2,879 |
| Net loans and leases to deposits | 68.9480% | 2,952 |
| Net loans and leases to core deposits | 75.1180% | 3,023 |
| Total domestic deposits to total assets | 86.4500% | 1,875 |
| Equity capital to assets | 8.2909% | 3,207 |
| Core capital (leverage) ratio | 9.5176% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $124,221,000 | 3,610 |
| Average earning assets | $113,355,200 | 3,612 |
| Average equity | $9,257,400 | 3,795 |
| Average total loans | $70,595,400 | 3,538 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,827 |
| Cost of funding earning assets | 0.8002% | 3,514 |
| Net interest margin | 3.2112% | 2,892 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.4966% | 2,238 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5189% | 3,724 |
| Return on assets (ROA) | 0.5206% | 3,706 |
| Pretax return on assets | 0.6824% | 3,584 |
| Return on Equity (ROE) | 7.1800% | 3,385 |
| Retained earnings to average equity (ytd only) | 4.4781% | 3,118 |
| Net charge-offs to loans | 0.0019% | 2,512 |
| Credit loss provision to net charge-offs | 1,000.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 649.0000% | 242 |
| Efficiency ratio | 78.3233% | 989 |
| Assets per employee ($millions) | 5.1823% | 3,447 |
| Cash dividends to net income (ytd only)* | 37.6278% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,692 |
| Loan loss allowance to noncurrent loans | 1,206.1538% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,263 |
| Noncurrent loans to loans | 0.0942% | 3,102 |
| Net loans and leases to total assets | 57.2200% | 3,100 |
| Net loans and leases to deposits | 63.2137% | 3,312 |
| Net loans and leases to core deposits | 68.6208% | 3,292 |
| Total domestic deposits to total assets | 90.5200% | 801 |
| Equity capital to assets | 7.7521% | 3,209 |
| Core capital (leverage) ratio | 9.4173% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $125,234,250 | 3,616 |
| Average earning assets | $114,305,250 | 3,614 |
| Average equity | $9,081,000 | 3,816 |
| Average total loans | $70,140,750 | 3,556 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,831 |
| Cost of funding earning assets | 0.7439% | 3,367 |
| Net interest margin | 3.1788% | 3,037 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.4016% | 2,479 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5696% | 3,657 |
| Return on assets (ROA) | 0.5721% | 3,654 |
| Pretax return on assets | 0.7309% | 3,537 |
| Return on Equity (ROE) | 8.0600% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.5383% | 2,768 |
| Net charge-offs to loans | 0.0057% | 2,047 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 236.5000% | 527 |
| Efficiency ratio | 76.3618% | 1,144 |
| Assets per employee ($millions) | 4.9329% | 3,649 |
| Cash dividends to net income (ytd only)* | 31.3187% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 2,983 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.4200% | 3,013 |
| Net loans and leases to deposits | 63.1471% | 3,245 |
| Net loans and leases to core deposits | 68.6471% | 3,201 |
| Total domestic deposits to total assets | 90.9400% | 668 |
| Equity capital to assets | 7.3969% | 3,580 |
| Core capital (leverage) ratio | 9.1195% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $127,247,667 | 3,598 |
| Average earning assets | $116,143,333 | 3,608 |
| Average equity | $9,028,000 | 3,844 |
| Average total loans | $70,524,667 | 3,554 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 3,742 |
| Cost of funding earning assets | 0.6952% | 3,069 |
| Net interest margin | 3.1723% | 3,181 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.2382% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7593% | 3,323 |
| Return on assets (ROA) | 0.7646% | 3,261 |
| Pretax return on assets | 0.8916% | 3,261 |
| Return on Equity (ROE) | 11.0000% | 2,489 |
| Retained earnings to average equity (ytd only) | 7.9278% | 2,243 |
| Net charge-offs to loans | 0.0171% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 811 |
| Efficiency ratio | 71.6551% | 1,565 |
| Assets per employee ($millions) | 5.4200% | 3,297 |
| Cash dividends to net income (ytd only)* | 27.9352% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,086 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.6100% | 3,230 |
| Net loans and leases to deposits | 58.7701% | 3,408 |
| Net loans and leases to core deposits | 64.9768% | 3,287 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 7.0926% | 3,785 |
| Core capital (leverage) ratio | 8.6284% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5611% | 2,161 |
| Memoranda: | ||
| Average total assets | $129,210,500 | 3,626 |
| Average earning assets | $118,524,500 | 3,626 |
| Average equity | $8,981,000 | 3,899 |
| Average total loans | $69,987,000 | 3,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 3,790 |
| Cost of funding earning assets | 0.3754% | 2,291 |
| Net interest margin | 2.8425% | 3,804 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.2262% | 2,956 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5311% | 4,035 |
| Return on assets (ROA) | 0.5325% | 3,985 |
| Pretax return on assets | 0.5711% | 4,076 |
| Return on Equity (ROE) | 7.5400% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.9339% | 3,079 |
| Net charge-offs to loans | -0.3064% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.7724% | 800 |
| Assets per employee ($millions) | 5.3476% | 3,371 |
| Cash dividends to net income (ytd only)* | 34.5661% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,818 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.5200% | 3,240 |
| Net loans and leases to deposits | 58.4270% | 3,424 |
| Net loans and leases to core deposits | 65.3960% | 3,174 |
| Total domestic deposits to total assets | 91.6000% | 754 |
| Equity capital to assets | 6.8068% | 3,765 |
| Core capital (leverage) ratio | 8.4744% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7359% | 1,717 |
| Memoranda: | ||
| Average total assets | $132,018,600 | 3,610 |
| Average earning assets | $121,476,400 | 3,601 |
| Average equity | $9,323,200 | 3,962 |
| Average total loans | $67,877,600 | 3,613 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0669% | 3,746 |
| Cost of funding earning assets | 0.3217% | 1,948 |
| Net interest margin | 2.7452% | 3,842 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.1754% | 2,993 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.4435% | 4,174 |
| Return on assets (ROA) | 0.4443% | 4,119 |
| Pretax return on assets | 0.5366% | 4,094 |
| Return on Equity (ROE) | 6.2400% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.8718% | 3,485 |
| Net charge-offs to loans | -0.4070% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.0740% | 836 |
| Assets per employee ($millions) | 5.6358% | 3,092 |
| Cash dividends to net income (ytd only)* | 37.9233% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,659 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.0000% | 3,629 |
| Net loans and leases to deposits | 51.9664% | 3,732 |
| Net loans and leases to core deposits | 58.1927% | 3,491 |
| Total domestic deposits to total assets | 92.3600% | 762 |
| Equity capital to assets | 6.1438% | 3,906 |
| Core capital (leverage) ratio | 8.0746% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3746% | 1,913 |
| Memoranda: | ||
| Average total assets | $132,937,750 | 3,629 |
| Average earning assets | $122,685,250 | 3,614 |
| Average equity | $9,470,000 | 3,982 |
| Average total loans | $67,481,250 | 3,633 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9695% | 3,629 |
| Cost of funding earning assets | 0.2828% | 1,870 |
| Net interest margin | 2.6867% | 3,725 |
| Noninterest income to average assets | 0.2225% | 3,866 |
| Noninterest expense to average assets | 2.1942% | 2,880 |
| Loan and lease loss provision to assets | 0.0454% | 1,763 |
| Net operating income to assets | 0.3803% | 4,143 |
| Return on assets (ROA) | 0.3829% | 4,090 |
| Pretax return on assets | 0.4585% | 4,067 |
| Return on Equity (ROE) | 5.1336% | 3,784 |
| Retained earnings to average equity (ytd only) | 3.1451% | 3,401 |
| Net charge-offs to loans | -0.0676% | 4,340 |
| Credit loss provision to net charge-offs | -130.4348% | 3,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4149% | 842 |
| Assets per employee ($millions) | 6.0700% | 2,680 |
| Cash dividends to net income (ytd only)* | 38.7352% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 4,074 |
| Loan loss allowance to noncurrent loans | 2,230.7692% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,811 |
| Noncurrent loans to loans | 0.0384% | 3,661 |
| Net loans and leases to total assets | 50.2314% | 3,352 |
| Net loans and leases to deposits | 54.5531% | 3,503 |
| Net loans and leases to core deposits | 58.6981% | 3,373 |
| Total domestic deposits to total assets | 92.0780% | 808 |
| Equity capital to assets | 6.4820% | 4,028 |
| Core capital (leverage) ratio | 8.3475% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5805% | 2,261 |
| Memoranda: | ||
| Average total assets | $132,164,333 | 3,679 |
| Average earning assets | $121,634,667 | 3,675 |
| Average equity | $9,856,667 | 4,011 |
| Average total loans | $68,078,000 | 3,654 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9271% | 3,465 |
| Cost of funding earning assets | 0.2828% | 1,791 |
| Net interest margin | 2.6443% | 3,545 |
| Noninterest income to average assets | 0.2221% | 3,826 |
| Noninterest expense to average assets | 2.2088% | 2,817 |
| Loan and lease loss provision to assets | 0.0304% | 1,820 |
| Net operating income to assets | 0.3286% | 4,089 |
| Return on assets (ROA) | 0.3286% | 4,058 |
| Pretax return on assets | 0.4290% | 3,985 |
| Return on Equity (ROE) | 4.1312% | 3,841 |
| Retained earnings to average equity (ytd only) | 1.6448% | 3,644 |
| Net charge-offs to loans | -0.3749% | 4,690 |
| Credit loss provision to net charge-offs | -15.6250% | 2,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7822% | 930 |
| Assets per employee ($millions) | 6.3839% | 2,464 |
| Cash dividends to net income (ytd only)* | 60.1852% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 4,051 |
| Loan loss allowance to noncurrent loans | 2,311.5385% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,863 |
| Noncurrent loans to loans | 0.0388% | 3,696 |
| Net loans and leases to total assets | 49.5528% | 3,219 |
| Net loans and leases to deposits | 54.3381% | 3,394 |
| Net loans and leases to core deposits | 59.3940% | 3,194 |
| Total domestic deposits to total assets | 91.1936% | 936 |
| Equity capital to assets | 7.2780% | 4,061 |
| Core capital (leverage) ratio | 8.0419% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6551% | 2,362 |
| Memoranda: | ||
| Average total assets | $131,476,500 | 3,707 |
| Average earning assets | $121,620,500 | 3,695 |
| Average equity | $10,457,000 | 4,006 |
| Average total loans | $68,287,500 | 3,649 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 2,926 |
| Cost of funding earning assets | 0.3693% | 1,764 |
| Net interest margin | 3.0322% | 3,103 |
| Noninterest income to average assets | 0.2560% | 3,843 |
| Noninterest expense to average assets | 2.2671% | 2,893 |
| Loan and lease loss provision to assets | 0.2315% | 429 |
| Net operating income to assets | 0.4327% | 4,216 |
| Return on assets (ROA) | 0.4660% | 4,199 |
| Pretax return on assets | 0.6254% | 4,067 |
| Return on Equity (ROE) | 5.3618% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.8097% | 3,288 |
| Net charge-offs to loans | 0.8779% | 73 |
| Credit loss provision to net charge-offs | 52.3397% | 2,122 |
| Earnings coverage of net charge-offs (x) | 1.8423% | 2,600 |
| Efficiency ratio | 73.5638% | 1,359 |
| Assets per employee ($millions) | 5.6040% | 3,158 |
| Cash dividends to net income (ytd only)* | 28.9474% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 4,331 |
| Loan loss allowance to noncurrent loans | 1,882.1429% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 3,915 |
| Noncurrent loans to loans | 0.0403% | 3,781 |
| Net loans and leases to total assets | 53.5456% | 2,902 |
| Net loans and leases to deposits | 59.6014% | 3,109 |
| Net loans and leases to core deposits | 64.8580% | 2,914 |
| Total domestic deposits to total assets | 89.8396% | 1,039 |
| Equity capital to assets | 8.6561% | 3,929 |
| Core capital (leverage) ratio | 8.1375% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4980% | 2,452 |
| Memoranda: | ||
| Average total assets | $130,476,800 | 3,682 |
| Average earning assets | $121,596,000 | 3,670 |
| Average equity | $11,339,400 | 3,999 |
| Average total loans | $65,724,400 | 3,730 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 2,889 |
| Cost of funding earning assets | 0.3898% | 1,780 |
| Net interest margin | 3.0919% | 3,073 |
| Noninterest income to average assets | 0.2618% | 3,834 |
| Noninterest expense to average assets | 2.2545% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7050% | 3,754 |
| Return on assets (ROA) | 0.7091% | 3,811 |
| Pretax return on assets | 0.9057% | 3,679 |
| Return on Equity (ROE) | 8.1509% | 3,360 |
| Retained earnings to average equity (ytd only) | 6.8627% | 2,471 |
| Net charge-offs to loans | 0.0021% | 2,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 884.0000% | 181 |
| Efficiency ratio | 71.4562% | 1,448 |
| Assets per employee ($millions) | 5.6740% | 3,016 |
| Cash dividends to net income (ytd only)* | 15.8046% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 3,079 |
| Loan loss allowance to noncurrent loans | 3,482.6087% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 4,087 |
| Noncurrent loans to loans | 0.0339% | 3,963 |
| Net loans and leases to total assets | 51.4237% | 3,253 |
| Net loans and leases to deposits | 57.4554% | 3,450 |
| Net loans and leases to core deposits | 63.2179% | 3,201 |
| Total domestic deposits to total assets | 89.5021% | 1,009 |
| Equity capital to assets | 8.9340% | 3,891 |
| Core capital (leverage) ratio | 8.0822% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0899% | 2,328 |
| Memoranda: | ||
| Average total assets | $130,873,000 | 3,702 |
| Average earning assets | $122,466,000 | 3,691 |
| Average equity | $11,385,000 | 4,046 |
| Average total loans | $64,769,750 | 3,798 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 3,020 |
| Cost of funding earning assets | 0.4085% | 1,812 |
| Net interest margin | 3.0458% | 3,187 |
| Noninterest income to average assets | 0.2672% | 3,801 |
| Noninterest expense to average assets | 2.1726% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7764% | 3,579 |
| Return on assets (ROA) | 0.7802% | 3,628 |
| Pretax return on assets | 0.9451% | 3,558 |
| Return on Equity (ROE) | 9.0493% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.9868% | 2,076 |
| Net charge-offs to loans | 0.0031% | 2,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 616.0000% | 220 |
| Efficiency ratio | 69.7891% | 1,671 |
| Assets per employee ($millions) | 6.3704% | 2,261 |
| Cash dividends to net income (ytd only)* | 11.7417% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.5178% | 3,868 |
| Net loans and leases to deposits | 51.7694% | 4,009 |
| Net loans and leases to core deposits | 56.9417% | 3,837 |
| Total domestic deposits to total assets | 89.8557% | 838 |
| Equity capital to assets | 8.5589% | 4,157 |
| Core capital (leverage) ratio | 8.1339% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,996,667 | 3,716 |
| Average earning assets | $122,396,667 | 3,708 |
| Average equity | $11,293,667 | 4,065 |
| Average total loans | $63,723,000 | 3,836 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2326% | 3,625 |
| Cost of funding earning assets | 0.4392% | 1,806 |
| Net interest margin | 2.7935% | 3,781 |
| Noninterest income to average assets | 0.2809% | 3,718 |
| Noninterest expense to average assets | 2.1666% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6671% | 3,786 |
| Return on assets (ROA) | 0.6728% | 3,843 |
| Pretax return on assets | 0.7315% | 3,956 |
| Return on Equity (ROE) | 7.7750% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.7750% | 2,322 |
| Net charge-offs to loans | 0.0062% | 1,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 358 |
| Efficiency ratio | 74.9200% | 1,232 |
| Assets per employee ($millions) | 6.9892% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,672 |
| Loan loss allowance to noncurrent loans | 2,225.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,171 |
| Noncurrent loans to loans | 0.0561% | 4,006 |
| Net loans and leases to total assets | 47.7029% | 3,842 |
| Net loans and leases to deposits | 53.0567% | 3,998 |
| Net loans and leases to core deposits | 58.5381% | 3,801 |
| Total domestic deposits to total assets | 89.9093% | 865 |
| Equity capital to assets | 8.4137% | 4,189 |
| Core capital (leverage) ratio | 8.0145% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,605,500 | 3,744 |
| Average earning assets | $121,140,500 | 3,728 |
| Average equity | $11,215,500 | 4,087 |
| Average total loans | $64,068,500 | 3,843 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 3,304 |
| Cost of funding earning assets | 0.6080% | 2,254 |
| Net interest margin | 3.1910% | 3,385 |
| Noninterest income to average assets | 0.3331% | 3,466 |
| Noninterest expense to average assets | 2.4941% | 2,865 |
| Loan and lease loss provision to assets | 0.0137% | 4,203 |
| Net operating income to assets | 0.6063% | 3,736 |
| Return on assets (ROA) | 0.6070% | 3,854 |
| Pretax return on assets | 0.7821% | 3,669 |
| Return on Equity (ROE) | 6.4503% | 3,428 |
| Retained earnings to average equity (ytd only) | 3.1476% | 3,260 |
| Net charge-offs to loans | 0.0031% | 3,265 |
| Credit loss provision to net charge-offs | 800.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 250 |
| Efficiency ratio | 75.8288% | 1,253 |
| Assets per employee ($millions) | 5.7462% | 2,584 |
| Cash dividends to net income (ytd only)* | 51.2023% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 2,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 49.9834% | 3,825 |
| Net loans and leases to deposits | 55.8451% | 4,009 |
| Net loans and leases to core deposits | 61.8153% | 3,837 |
| Total domestic deposits to total assets | 89.5037% | 767 |
| Equity capital to assets | 8.9055% | 4,139 |
| Core capital (leverage) ratio | 8.1795% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,476,600 | 3,788 |
| Average earning assets | $107,898,400 | 3,797 |
| Average equity | $10,960,800 | 4,086 |
| Average total loans | $65,478,200 | 3,819 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 3,358 |
| Cost of funding earning assets | 0.6454% | 2,350 |
| Net interest margin | 3.2243% | 3,415 |
| Noninterest income to average assets | 0.3649% | 3,273 |
| Noninterest expense to average assets | 2.5802% | 2,598 |
| Loan and lease loss provision to assets | 0.0184% | 4,100 |
| Net operating income to assets | 0.5231% | 3,973 |
| Return on assets (ROA) | 0.5240% | 4,067 |
| Pretax return on assets | 0.7474% | 3,786 |
| Return on Equity (ROE) | 5.4868% | 3,725 |
| Retained earnings to average equity (ytd only) | 2.0330% | 3,923 |
| Net charge-offs to loans | 0.0061% | 2,922 |
| Credit loss provision to net charge-offs | 533.3333% | 1,241 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 469 |
| Efficiency ratio | 77.1329% | 1,115 |
| Assets per employee ($millions) | 5.8131% | 2,434 |
| Cash dividends to net income (ytd only)* | 62.9464% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 2,925 |
| Loan loss allowance to noncurrent loans | 60.0000% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0936% | 958 |
| Noncurrent loans to loans | 1.9211% | 654 |
| Net loans and leases to total assets | 56.2687% | 3,596 |
| Net loans and leases to deposits | 63.1772% | 3,847 |
| Net loans and leases to core deposits | 69.4983% | 3,660 |
| Total domestic deposits to total assets | 89.0649% | 742 |
| Equity capital to assets | 9.0920% | 4,039 |
| Core capital (leverage) ratio | 8.2523% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,991,750 | 3,815 |
| Average earning assets | $105,363,000 | 3,832 |
| Average equity | $10,886,500 | 4,099 |
| Average total loans | $65,850,500 | 3,830 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,198 |
| Cost of funding earning assets | 0.6776% | 2,513 |
| Net interest margin | 3.3724% | 3,179 |
| Noninterest income to average assets | 0.7528% | 1,569 |
| Noninterest expense to average assets | 2.6141% | 2,618 |
| Loan and lease loss provision to assets | 0.0287% | 3,892 |
| Net operating income to assets | 0.9325% | 2,567 |
| Return on assets (ROA) | 0.9325% | 2,701 |
| Pretax return on assets | 1.2217% | 2,288 |
| Return on Equity (ROE) | 9.5241% | 2,137 |
| Retained earnings to average equity (ytd only) | 6.0558% | 2,055 |
| Net charge-offs to loans | 0.0093% | 2,610 |
| Credit loss provision to net charge-offs | 533.3333% | 1,177 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 393 |
| Efficiency ratio | 67.6430% | 2,286 |
| Assets per employee ($millions) | 5.8377% | 2,336 |
| Cash dividends to net income (ytd only)* | 36.4162% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 58.0364% | 3,511 |
| Net loans and leases to deposits | 65.1145% | 3,798 |
| Net loans and leases to core deposits | 71.5638% | 3,616 |
| Total domestic deposits to total assets | 89.1298% | 701 |
| Equity capital to assets | 9.2004% | 3,925 |
| Core capital (leverage) ratio | 8.8180% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,319,000 | 3,849 |
| Average earning assets | $102,715,333 | 3,856 |
| Average equity | $10,898,667 | 4,099 |
| Average total loans | $64,679,000 | 3,860 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 2,356 |
| Cost of funding earning assets | 0.7410% | 2,717 |
| Net interest margin | 3.7423% | 2,171 |
| Noninterest income to average assets | 0.3596% | 3,369 |
| Noninterest expense to average assets | 2.7214% | 2,653 |
| Loan and lease loss provision to assets | 0.0606% | 3,016 |
| Net operating income to assets | 0.9387% | 2,380 |
| Return on assets (ROA) | 0.9387% | 2,489 |
| Pretax return on assets | 1.0181% | 2,787 |
| Return on Equity (ROE) | 9.2637% | 2,009 |
| Retained earnings to average equity (ytd only) | 5.9019% | 1,915 |
| Net charge-offs to loans | 0.0262% | 1,845 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 720 |
| Efficiency ratio | 71.6135% | 2,138 |
| Assets per employee ($millions) | 4.8963% | 2,757 |
| Cash dividends to net income (ytd only)* | 36.2903% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,025 |
| Loan loss allowance to noncurrent loans | 26,666.6667% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,634 |
| Noncurrent loans to loans | 0.0050% | 4,557 |
| Net loans and leases to total assets | 55.3102% | 3,882 |
| Net loans and leases to deposits | 62.7154% | 4,064 |
| Net loans and leases to core deposits | 69.9341% | 3,883 |
| Total domestic deposits to total assets | 88.1923% | 1,023 |
| Equity capital to assets | 10.0030% | 3,785 |
| Core capital (leverage) ratio | 9.4359% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,682,500 | 3,907 |
| Average earning assets | $97,160,500 | 3,908 |
| Average equity | $10,708,500 | 4,143 |
| Average total loans | $61,044,000 | 3,937 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 3,665 |
| Cost of funding earning assets | 0.7673% | 2,838 |
| Net interest margin | 3.4871% | 3,488 |
| Noninterest income to average assets | 0.3233% | 3,757 |
| Noninterest expense to average assets | 2.7880% | 2,645 |
| Loan and lease loss provision to assets | 0.1236% | 1,714 |
| Net operating income to assets | 0.4853% | 4,438 |
| Return on assets (ROA) | 0.4945% | 4,465 |
| Pretax return on assets | 0.6209% | 4,376 |
| Return on Equity (ROE) | 5.0403% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.1922% | 4,314 |
| Net charge-offs to loans | 0.0444% | 2,497 |
| Credit loss provision to net charge-offs | 464.2857% | 623 |
| Earnings coverage of net charge-offs (x) | 27.5357% | 1,661 |
| Efficiency ratio | 79.1790% | 1,020 |
| Assets per employee ($millions) | 4.7112% | 2,937 |
| Cash dividends to net income (ytd only)* | 76.3462% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,037 |
| Loan loss allowance to noncurrent loans | 85.8388% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 1,439 |
| Noncurrent loans to loans | 1.4876% | 975 |
| Net loans and leases to total assets | 58.7774% | 3,692 |
| Net loans and leases to deposits | 66.8727% | 3,905 |
| Net loans and leases to core deposits | 74.5576% | 3,672 |
| Total domestic deposits to total assets | 87.8945% | 1,179 |
| Equity capital to assets | 10.2675% | 3,655 |
| Core capital (leverage) ratio | 9.5027% | 4,060 |
| Tier 1 risk-based capital ratio | 13.9534% | 3,294 |
| Total risk-based capital ratio | 15.0543% | 3,272 |
| Memoranda: | ||
| Average total assets | $105,163,600 | 3,915 |
| Average earning assets | $96,439,800 | 3,933 |
| Average equity | $10,316,800 | 4,196 |
| Average total loans | $63,061,600 | 3,928 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 3,797 |
| Cost of funding earning assets | 0.7639% | 2,898 |
| Net interest margin | 3.4906% | 3,587 |
| Noninterest income to average assets | 0.3108% | 3,886 |
| Noninterest expense to average assets | 2.7855% | 2,602 |
| Loan and lease loss provision to assets | 0.1390% | 1,391 |
| Net operating income to assets | 0.4251% | 4,672 |
| Return on assets (ROA) | 0.4371% | 4,678 |
| Pretax return on assets | 0.6051% | 4,534 |
| Return on Equity (ROE) | 4.5071% | 4,474 |
| Retained earnings to average equity (ytd only) | 0.5992% | 4,645 |
| Net charge-offs to loans | 0.0589% | 1,981 |
| Credit loss provision to net charge-offs | 392.8571% | 772 |
| Earnings coverage of net charge-offs (x) | 20.6084% | 1,949 |
| Efficiency ratio | 79.2595% | 986 |
| Assets per employee ($millions) | 4.7085% | 2,905 |
| Cash dividends to net income (ytd only)* | 86.7055% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 2,437 |
| Loan loss allowance to noncurrent loans | 53.6313% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 847 |
| Noncurrent loans to loans | 2.2642% | 546 |
| Net loans and leases to total assets | 60.3136% | 3,650 |
| Net loans and leases to deposits | 69.7179% | 3,784 |
| Net loans and leases to core deposits | 76.1051% | 3,692 |
| Total domestic deposits to total assets | 86.5109% | 1,767 |
| Equity capital to assets | 10.1721% | 3,852 |
| Core capital (leverage) ratio | 9.5272% | 4,141 |
| Tier 1 risk-based capital ratio | 13.4600% | 3,595 |
| Total risk-based capital ratio | 14.5030% | 3,618 |
| Memoranda: | ||
| Average total assets | $105,542,750 | 3,948 |
| Average earning assets | $96,868,250 | 3,964 |
| Average equity | $10,235,500 | 4,255 |
| Average total loans | $63,399,750 | 3,960 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 3,936 |
| Cost of funding earning assets | 0.7283% | 3,004 |
| Net interest margin | 3.4677% | 3,695 |
| Noninterest income to average assets | 0.2995% | 3,939 |
| Noninterest expense to average assets | 2.7026% | 2,896 |
| Loan and lease loss provision to assets | 0.1507% | 1,215 |
| Net operating income to assets | 0.4580% | 4,620 |
| Return on assets (ROA) | 0.4595% | 4,649 |
| Pretax return on assets | 0.6403% | 4,465 |
| Return on Equity (ROE) | 4.8150% | 4,387 |
| Retained earnings to average equity (ytd only) | 0.7893% | 4,490 |
| Net charge-offs to loans | 0.0851% | 1,512 |
| Credit loss provision to net charge-offs | 296.2963% | 913 |
| Earnings coverage of net charge-offs (x) | 15.5185% | 1,980 |
| Efficiency ratio | 77.4002% | 1,227 |
| Assets per employee ($millions) | 5.0966% | 2,366 |
| Cash dividends to net income (ytd only)* | 83.6066% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 2,919 |
| Loan loss allowance to noncurrent loans | 39.2251% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 575 |
| Noncurrent loans to loans | 2.8740% | 367 |
| Net loans and leases to total assets | 60.5574% | 3,692 |
| Net loans and leases to deposits | 70.8667% | 3,776 |
| Net loans and leases to core deposits | 79.3579% | 3,474 |
| Total domestic deposits to total assets | 85.4525% | 2,281 |
| Equity capital to assets | 9.8048% | 4,136 |
| Core capital (leverage) ratio | 9.4232% | 4,224 |
| Tier 1 risk-based capital ratio | 13.0300% | 3,825 |
| Total risk-based capital ratio | 14.0021% | 3,880 |
| Memoranda: | ||
| Average total assets | $106,194,670 | 3,953 |
| Average earning assets | $97,760,000 | 3,972 |
| Average equity | $10,135,000 | 4,284 |
| Average total loans | $63,451,330 | 3,985 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 4,114 |
| Cost of funding earning assets | 0.7370% | 2,850 |
| Net interest margin | 3.3678% | 3,984 |
| Noninterest income to average assets | 0.3139% | 3,761 |
| Noninterest expense to average assets | 2.6811% | 2,962 |
| Loan and lease loss provision to assets | 0.1702% | 983 |
| Net operating income to assets | 0.3789% | 4,770 |
| Return on assets (ROA) | 0.3819% | 4,774 |
| Pretax return on assets | 0.5597% | 4,585 |
| Return on Equity (ROE) | 4.0581% | 4,564 |
| Retained earnings to average equity (ytd only) | 0.1205% | 4,503 |
| Net charge-offs to loans | 0.0513% | 1,551 |
| Credit loss provision to net charge-offs | 562.5000% | 566 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,459 |
| Efficiency ratio | 78.6903% | 1,195 |
| Assets per employee ($millions) | 4.7895% | 2,802 |
| Cash dividends to net income (ytd only)* | 97.0297% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 2,926 |
| Loan loss allowance to noncurrent loans | 39.7909% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.7244% | 635 |
| Noncurrent loans to loans | 2.8567% | 406 |
| Net loans and leases to total assets | 59.6775% | 3,740 |
| Net loans and leases to deposits | 69.8321% | 3,771 |
| Net loans and leases to core deposits | 77.3206% | 3,573 |
| Total domestic deposits to total assets | 85.4586% | 2,501 |
| Equity capital to assets | 9.5883% | 4,175 |
| Core capital (leverage) ratio | 9.3801% | 4,285 |
| Tier 1 risk-based capital ratio | 13.1955% | 3,777 |
| Total risk-based capital ratio | 14.1623% | 3,817 |
| Memoranda: | ||
| Average total assets | $105,777,500 | 4,008 |
| Average earning assets | $97,156,500 | 4,026 |
| Average equity | $9,955,500 | 4,335 |
| Average total loans | $62,400,500 | 4,040 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 4,000 |
| Cost of funding earning assets | 0.4795% | 3,486 |
| Net interest margin | 3.5313% | 3,598 |
| Noninterest income to average assets | 0.3226% | 3,942 |
| Noninterest expense to average assets | 2.6974% | 3,033 |
| Loan and lease loss provision to assets | 0.2294% | 778 |
| Net operating income to assets | 0.5930% | 4,434 |
| Return on assets (ROA) | 0.5930% | 4,446 |
| Pretax return on assets | 0.6228% | 4,593 |
| Return on Equity (ROE) | 6.6023% | 3,967 |
| Retained earnings to average equity (ytd only) | 3.0728% | 3,860 |
| Net charge-offs to loans | 0.0486% | 2,461 |
| Credit loss provision to net charge-offs | 848.2759% | 423 |
| Earnings coverage of net charge-offs (x) | 31.5172% | 1,541 |
| Efficiency ratio | 75.9916% | 1,370 |
| Assets per employee ($millions) | 5.0590% | 2,423 |
| Cash dividends to net income (ytd only)* | 53.4591% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 2,977 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 1,412 |
| Noncurrent loans to loans | 1.6815% | 865 |
| Net loans and leases to total assets | 56.9569% | 4,055 |
| Net loans and leases to deposits | 68.6790% | 3,929 |
| Net loans and leases to core deposits | 75.9225% | 3,726 |
| Total domestic deposits to total assets | 82.9320% | 3,349 |
| Equity capital to assets | 9.2818% | 4,337 |
| Core capital (leverage) ratio | 9.3094% | 4,349 |
| Tier 1 risk-based capital ratio | 13.3375% | 3,638 |
| Total risk-based capital ratio | 14.2600% | 3,730 |
| Memoranda: | ||
| Average total assets | $107,253,200 | 3,980 |
| Average earning assets | $98,010,200 | 4,003 |
| Average equity | $9,633,000 | 4,365 |
| Average total loans | $59,653,000 | 4,098 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 4,102 |
| Cost of funding earning assets | 0.4518% | 3,512 |
| Net interest margin | 3.4897% | 3,724 |
| Noninterest income to average assets | 0.3175% | 4,026 |
| Noninterest expense to average assets | 2.7160% | 2,933 |
| Loan and lease loss provision to assets | 0.2121% | 793 |
| Net operating income to assets | 0.5395% | 4,669 |
| Return on assets (ROA) | 0.5395% | 4,677 |
| Pretax return on assets | 0.5792% | 4,762 |
| Return on Equity (ROE) | 6.0567% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.4923% | 4,400 |
| Net charge-offs to loans | 0.0180% | 2,793 |
| Credit loss provision to net charge-offs | 2,137.5000% | 196 |
| Earnings coverage of net charge-offs (x) | 79.7235% | 878 |
| Efficiency ratio | 77.4399% | 1,177 |
| Assets per employee ($millions) | 4.8986% | 2,602 |
| Cash dividends to net income (ytd only)* | 58.8493% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,736 |
| Loan loss allowance to noncurrent loans | 329.1667% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 4,060 |
| Noncurrent loans to loans | 0.3047% | 3,582 |
| Net loans and leases to total assets | 57.8853% | 4,056 |
| Net loans and leases to deposits | 68.2087% | 4,045 |
| Net loans and leases to core deposits | 75.3545% | 3,851 |
| Total domestic deposits to total assets | 84.8650% | 2,661 |
| Equity capital to assets | 8.8281% | 4,693 |
| Core capital (leverage) ratio | 9.1299% | 4,588 |
| Tier 1 risk-based capital ratio | 12.8022% | 4,023 |
| Total risk-based capital ratio | 13.6278% | 4,163 |
| Memoranda: | ||
| Average total assets | $107,506,500 | 4,017 |
| Average earning assets | $98,267,750 | 4,040 |
| Average equity | $9,576,000 | 4,408 |
| Average total loans | $59,267,000 | 4,153 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 4,232 |
| Cost of funding earning assets | 0.4489% | 3,367 |
| Net interest margin | 3.3954% | 3,967 |
| Noninterest income to average assets | 0.3035% | 4,144 |
| Noninterest expense to average assets | 2.6830% | 3,073 |
| Loan and lease loss provision to assets | 0.1452% | 1,316 |
| Net operating income to assets | 0.4748% | 4,810 |
| Return on assets (ROA) | 0.4748% | 4,816 |
| Pretax return on assets | 0.5735% | 4,777 |
| Return on Equity (ROE) | 5.3143% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.8340% | 4,507 |
| Net charge-offs to loans | 0.0241% | 2,381 |
| Credit loss provision to net charge-offs | 1,114.2857% | 377 |
| Earnings coverage of net charge-offs (x) | 55.1429% | 1,057 |
| Efficiency ratio | 78.8725% | 1,129 |
| Assets per employee ($millions) | 4.9749% | 2,455 |
| Cash dividends to net income (ytd only)* | 65.4902% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,494 |
| Loan loss allowance to noncurrent loans | 263.4146% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 4,045 |
| Noncurrent loans to loans | 0.3286% | 3,524 |
| Net loans and leases to total assets | 56.5026% | 4,120 |
| Net loans and leases to deposits | 64.3393% | 4,265 |
| Net loans and leases to core deposits | 71.1749% | 4,069 |
| Total domestic deposits to total assets | 87.8198% | 1,463 |
| Equity capital to assets | 8.6872% | 4,811 |
| Core capital (leverage) ratio | 9.0682% | 4,624 |
| Tier 1 risk-based capital ratio | 13.0518% | 3,866 |
| Total risk-based capital ratio | 13.7778% | 4,065 |
| Memoranda: | ||
| Average total assets | $107,418,670 | 4,058 |
| Average earning assets | $98,014,000 | 4,080 |
| Average equity | $9,596,670 | 4,438 |
| Average total loans | $58,017,670 | 4,216 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 4,311 |
| Cost of funding earning assets | 0.4362% | 3,324 |
| Net interest margin | 3.3293% | 4,106 |
| Noninterest income to average assets | 0.3120% | 4,072 |
| Noninterest expense to average assets | 2.6841% | 3,087 |
| Loan and lease loss provision to assets | 0.1429% | 1,319 |
| Net operating income to assets | 0.4586% | 4,794 |
| Return on assets (ROA) | 0.4586% | 4,794 |
| Pretax return on assets | 0.5263% | 4,834 |
| Return on Equity (ROE) | 5.0617% | 4,468 |
| Retained earnings to average equity (ytd only) | 1.6181% | 4,455 |
| Net charge-offs to loans | 0.0788% | 1,342 |
| Credit loss provision to net charge-offs | 345.4545% | 750 |
| Earnings coverage of net charge-offs (x) | 16.1818% | 1,634 |
| Efficiency ratio | 80.0448% | 1,134 |
| Assets per employee ($millions) | 4.7227% | 2,827 |
| Cash dividends to net income (ytd only)* | 68.0328% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,572 |
| Loan loss allowance to noncurrent loans | 232.8638% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,100 |
| Noncurrent loans to loans | 0.3726% | 3,445 |
| Net loans and leases to total assets | 52.1704% | 4,425 |
| Net loans and leases to deposits | 58.2122% | 4,573 |
| Net loans and leases to core deposits | 66.9593% | 4,255 |
| Total domestic deposits to total assets | 89.6210% | 828 |
| Equity capital to assets | 8.7182% | 4,810 |
| Core capital (leverage) ratio | 9.1116% | 4,556 |
| Tier 1 risk-based capital ratio | 13.2911% | 3,789 |
| Total risk-based capital ratio | 13.9736% | 3,999 |
| Memoranda: | ||
| Average total assets | $106,404,000 | 4,120 |
| Average earning assets | $97,197,000 | 4,142 |
| Average equity | $9,641,000 | 4,478 |
| Average total loans | $55,836,000 | 4,310 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 4,465 |
| Cost of funding earning assets | 0.3844% | 3,389 |
| Net interest margin | 3.2601% | 4,286 |
| Noninterest income to average assets | 0.3377% | 4,054 |
| Noninterest expense to average assets | 2.7615% | 2,918 |
| Loan and lease loss provision to assets | 0.1814% | 1,181 |
| Net operating income to assets | 0.3831% | 4,747 |
| Return on assets (ROA) | 0.4554% | 4,544 |
| Pretax return on assets | 0.4217% | 5,059 |
| Return on Equity (ROE) | 4.7539% | 4,268 |
| Retained earnings to average equity (ytd only) | 1.5108% | 4,398 |
| Net charge-offs to loans | 1.1221% | 150 |
| Credit loss provision to net charge-offs | 31.9185% | 3,519 |
| Earnings coverage of net charge-offs (x) | 0.9338% | 3,944 |
| Efficiency ratio | 83.8804% | 779 |
| Assets per employee ($millions) | 4.5298% | 3,142 |
| Cash dividends to net income (ytd only)* | 68.2203% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 4,632 |
| Loan loss allowance to noncurrent loans | 189.1129% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 3,949 |
| Noncurrent loans to loans | 0.4550% | 3,146 |
| Net loans and leases to total assets | 51.8674% | 4,522 |
| Net loans and leases to deposits | 58.3476% | 4,674 |
| Net loans and leases to core deposits | 67.1697% | 4,353 |
| Total domestic deposits to total assets | 88.8938% | 1,049 |
| Equity capital to assets | 9.4179% | 4,306 |
| Core capital (leverage) ratio | 9.0531% | 4,580 |
| Tier 1 risk-based capital ratio | 14.2989% | 3,198 |
| Total risk-based capital ratio | 14.9958% | 3,413 |
| Memoranda: | ||
| Average total assets | $103,637,600 | 4,174 |
| Average earning assets | $93,924,000 | 4,202 |
| Average equity | $9,928,600 | 4,461 |
| Average total loans | $52,490,000 | 4,397 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 4,527 |
| Cost of funding earning assets | 0.3619% | 3,538 |
| Net interest margin | 3.2504% | 4,326 |
| Noninterest income to average assets | 0.3324% | 4,160 |
| Noninterest expense to average assets | 2.7465% | 2,907 |
| Loan and lease loss provision to assets | 0.1945% | 985 |
| Net operating income to assets | 0.3800% | 5,038 |
| Return on assets (ROA) | 0.4766% | 4,842 |
| Pretax return on assets | 0.4264% | 5,143 |
| Return on Equity (ROE) | 4.9541% | 4,543 |
| Retained earnings to average equity (ytd only) | 1.7138% | 4,739 |
| Net charge-offs to loans | 1.3055% | 126 |
| Credit loss provision to net charge-offs | 29.6660% | 3,079 |
| Earnings coverage of net charge-offs (x) | 0.7996% | 3,633 |
| Efficiency ratio | 83.9701% | 752 |
| Assets per employee ($millions) | 4.7341% | 2,784 |
| Cash dividends to net income (ytd only)* | 65.4058% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 4,232 |
| Loan loss allowance to noncurrent loans | 211.5702% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 4,128 |
| Noncurrent loans to loans | 0.4590% | 3,331 |
| Net loans and leases to total assets | 50.1349% | 4,688 |
| Net loans and leases to deposits | 56.6162% | 4,834 |
| Net loans and leases to core deposits | 65.0270% | 4,552 |
| Total domestic deposits to total assets | 88.5522% | 1,099 |
| Equity capital to assets | 9.7503% | 4,193 |
| Core capital (leverage) ratio | 9.2599% | 4,454 |
| Tier 1 risk-based capital ratio | 14.2108% | 3,345 |
| Total risk-based capital ratio | 14.9688% | 3,501 |
| Memoranda: | ||
| Average total assets | $103,500,750 | 4,214 |
| Average earning assets | $93,567,000 | 4,247 |
| Average equity | $9,957,750 | 4,500 |
| Average total loans | $51,985,750 | 4,445 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 4,634 |
| Cost of funding earning assets | 0.3355% | 3,746 |
| Net interest margin | 3.2138% | 4,375 |
| Noninterest income to average assets | 0.3447% | 4,082 |
| Noninterest expense to average assets | 2.6316% | 3,336 |
| Loan and lease loss provision to assets | 0.2188% | 809 |
| Net operating income to assets | 0.4880% | 4,736 |
| Return on assets (ROA) | 0.5906% | 4,401 |
| Pretax return on assets | 0.5093% | 4,990 |
| Return on Equity (ROE) | 6.1666% | 3,973 |
| Retained earnings to average equity (ytd only) | 2.9317% | 3,971 |
| Net charge-offs to loans | 1.9483% | 86 |
| Credit loss provision to net charge-offs | 22.4206% | 2,771 |
| Earnings coverage of net charge-offs (x) | 0.6409% | 3,359 |
| Efficiency ratio | 80.7967% | 1,123 |
| Assets per employee ($millions) | 4.4698% | 3,158 |
| Cash dividends to net income (ytd only)* | 52.4590% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,601 |
| Loan loss allowance to noncurrent loans | 113.2388% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 2,513 |
| Noncurrent loans to loans | 0.8031% | 2,394 |
| Net loans and leases to total assets | 50.7670% | 4,659 |
| Net loans and leases to deposits | 57.3931% | 4,776 |
| Net loans and leases to core deposits | 61.9441% | 4,719 |
| Total domestic deposits to total assets | 88.4548% | 1,228 |
| Equity capital to assets | 9.9100% | 4,018 |
| Core capital (leverage) ratio | 9.6175% | 4,003 |
| Tier 1 risk-based capital ratio | 14.6220% | 3,103 |
| Total risk-based capital ratio | 15.3503% | 3,287 |
| Memoranda: | ||
| Average total assets | $103,284,000 | 4,253 |
| Average earning assets | $93,596,330 | 4,276 |
| Average equity | $9,892,000 | 4,524 |
| Average total loans | $51,738,330 | 4,472 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 4,601 |
| Cost of funding earning assets | 0.3207% | 3,846 |
| Net interest margin | 3.2109% | 4,307 |
| Noninterest income to average assets | 0.3709% | 3,883 |
| Noninterest expense to average assets | 2.6004% | 3,505 |
| Loan and lease loss provision to assets | 0.4366% | 247 |
| Net operating income to assets | 0.2086% | 5,382 |
| Return on assets (ROA) | 0.2086% | 5,393 |
| Pretax return on assets | 0.2357% | 5,397 |
| Return on Equity (ROE) | 2.2167% | 5,302 |
| Retained earnings to average equity (ytd only) | -1.0263% | 5,071 |
| Net charge-offs to loans | 3.9319% | 31 |
| Credit loss provision to net charge-offs | 22.4206% | 2,161 |
| Earnings coverage of net charge-offs (x) | 0.3452% | 2,823 |
| Efficiency ratio | 79.4569% | 1,432 |
| Assets per employee ($millions) | 4.5931% | 3,016 |
| Cash dividends to net income (ytd only)* | 146.2963% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,602 |
| Loan loss allowance to noncurrent loans | 124.4156% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 3,681 |
| Noncurrent loans to loans | 0.7557% | 2,596 |
| Net loans and leases to total assets | 49.9401% | 4,678 |
| Net loans and leases to deposits | 56.2862% | 4,799 |
| Net loans and leases to core deposits | 60.4511% | 4,751 |
| Total domestic deposits to total assets | 88.7253% | 1,305 |
| Equity capital to assets | 9.6755% | 4,092 |
| Core capital (leverage) ratio | 8.9727% | 4,771 |
| Tier 1 risk-based capital ratio | 14.7102% | 3,109 |
| Total risk-based capital ratio | 15.4561% | 3,278 |
| Memoranda: | ||
| Average total assets | $103,523,500 | 4,291 |
| Average earning assets | $93,556,000 | 4,320 |
| Average equity | $9,744,000 | 4,580 |
| Average total loans | $51,272,500 | 4,521 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,686 |
| Cost of funding earning assets | 0.3232% | 3,812 |
| Net interest margin | 3.2097% | 4,422 |
| Noninterest income to average assets | 0.3419% | 4,290 |
| Noninterest expense to average assets | 2.7815% | 3,083 |
| Loan and lease loss provision to assets | 0.2289% | 945 |
| Net operating income to assets | 0.1968% | 5,423 |
| Return on assets (ROA) | 0.3732% | 5,106 |
| Pretax return on assets | 0.3925% | 5,237 |
| Return on Equity (ROE) | 3.9889% | 4,837 |
| Retained earnings to average equity (ytd only) | 0.8548% | 4,979 |
| Net charge-offs to loans | 0.1373% | 1,880 |
| Credit loss provision to net charge-offs | 345.8333% | 884 |
| Earnings coverage of net charge-offs (x) | 6.5833% | 3,147 |
| Efficiency ratio | 86.4571% | 784 |
| Assets per employee ($millions) | 4.4166% | 3,241 |
| Cash dividends to net income (ytd only)* | 78.5714% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 1,171 |
| Loan loss allowance to noncurrent loans | 97.7528% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 2,170 |
| Noncurrent loans to loans | 1.7247% | 1,116 |
| Net loans and leases to total assets | 47.8613% | 4,908 |
| Net loans and leases to deposits | 53.5504% | 5,035 |
| Net loans and leases to core deposits | 55.4345% | 5,073 |
| Total domestic deposits to total assets | 89.3762% | 909 |
| Equity capital to assets | 9.1615% | 4,633 |
| Core capital (leverage) ratio | 8.7200% | 5,054 |
| Tier 1 risk-based capital ratio | 14.3415% | 3,259 |
| Total risk-based capital ratio | 15.5923% | 3,191 |
| Memoranda: | ||
| Average total assets | $108,791,200 | 4,195 |
| Average earning assets | $97,455,600 | 4,246 |
| Average equity | $10,178,200 | 4,543 |
| Average total loans | $52,457,400 | 4,510 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,727 |
| Cost of funding earning assets | 0.3245% | 3,823 |
| Net interest margin | 3.2084% | 4,467 |
| Noninterest income to average assets | 0.3446% | 4,319 |
| Noninterest expense to average assets | 2.8057% | 2,990 |
| Loan and lease loss provision to assets | 0.2387% | 810 |
| Net operating income to assets | 0.1681% | 5,522 |
| Return on assets (ROA) | 0.3312% | 5,290 |
| Pretax return on assets | 0.3495% | 5,378 |
| Return on Equity (ROE) | 3.5227% | 5,076 |
| Retained earnings to average equity (ytd only) | 0.4145% | 5,250 |
| Net charge-offs to loans | 0.1848% | 1,267 |
| Credit loss provision to net charge-offs | 268.4932% | 1,142 |
| Earnings coverage of net charge-offs (x) | 4.6850% | 3,238 |
| Efficiency ratio | 87.0748% | 729 |
| Assets per employee ($millions) | 4.6755% | 2,790 |
| Cash dividends to net income (ytd only)* | 88.2342% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,642 |
| Loan loss allowance to noncurrent loans | 90.6667% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8676% | 2,383 |
| Noncurrent loans to loans | 1.6938% | 1,242 |
| Net loans and leases to total assets | 48.6521% | 4,911 |
| Net loans and leases to deposits | 54.8975% | 5,059 |
| Net loans and leases to core deposits | 56.8289% | 5,105 |
| Total domestic deposits to total assets | 88.6235% | 1,091 |
| Equity capital to assets | 9.6469% | 4,516 |
| Core capital (leverage) ratio | 8.4670% | 5,391 |
| Tier 1 risk-based capital ratio | 14.0186% | 3,551 |
| Total risk-based capital ratio | 15.2335% | 3,487 |
| Memoranda: | ||
| Average total assets | $109,489,500 | 4,206 |
| Average earning assets | $98,199,500 | 4,269 |
| Average equity | $10,295,000 | 4,569 |
| Average total loans | $52,671,250 | 4,537 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 4,857 |
| Cost of funding earning assets | 0.3271% | 3,822 |
| Net interest margin | 3.1739% | 4,629 |
| Noninterest income to average assets | 0.3087% | 4,573 |
| Noninterest expense to average assets | 2.7365% | 3,244 |
| Loan and lease loss provision to assets | 0.2470% | 788 |
| Net operating income to assets | 0.1544% | 5,606 |
| Return on assets (ROA) | 0.3287% | 5,325 |
| Pretax return on assets | 0.3450% | 5,427 |
| Return on Equity (ROE) | 3.5253% | 5,088 |
| Retained earnings to average equity (ytd only) | 0.4480% | 5,171 |
| Net charge-offs to loans | 0.0838% | 2,009 |
| Credit loss provision to net charge-offs | 618.1818% | 550 |
| Earnings coverage of net charge-offs (x) | 10.2273% | 2,347 |
| Efficiency ratio | 87.0092% | 791 |
| Assets per employee ($millions) | 4.3981% | 3,221 |
| Cash dividends to net income (ytd only)* | 87.2928% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 2,028 |
| Loan loss allowance to noncurrent loans | 58.4783% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.2068% | 1,718 |
| Noncurrent loans to loans | 2.4949% | 704 |
| Net loans and leases to total assets | 47.6655% | 5,015 |
| Net loans and leases to deposits | 53.4153% | 5,166 |
| Net loans and leases to core deposits | 55.0088% | 5,225 |
| Total domestic deposits to total assets | 89.2358% | 791 |
| Equity capital to assets | 9.1490% | 5,113 |
| Core capital (leverage) ratio | 8.5575% | 5,312 |
| Tier 1 risk-based capital ratio | 13.4383% | 3,943 |
| Total risk-based capital ratio | 14.5913% | 3,907 |
| Memoranda: | ||
| Average total assets | $110,140,330 | 4,222 |
| Average earning assets | $98,428,330 | 4,300 |
| Average equity | $10,268,670 | 4,601 |
| Average total loans | $52,516,670 | 4,571 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5556% | 4,750 |
| Cost of funding earning assets | 0.3460% | 3,646 |
| Net interest margin | 3.2097% | 4,551 |
| Noninterest income to average assets | 0.2888% | 4,658 |
| Noninterest expense to average assets | 2.7436% | 3,263 |
| Loan and lease loss provision to assets | 0.2814% | 584 |
| Net operating income to assets | 0.1148% | 5,658 |
| Return on assets (ROA) | 0.2888% | 5,414 |
| Pretax return on assets | 0.2888% | 5,527 |
| Return on Equity (ROE) | 3.0672% | 5,207 |
| Retained earnings to average equity (ytd only) | -0.0393% | 5,113 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3821% | 860 |
| Assets per employee ($millions) | 4.1864% | 3,612 |
| Cash dividends to net income (ytd only)* | 101.2821% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 2,015 |
| Loan loss allowance to noncurrent loans | 48.1528% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4672% | 1,404 |
| Noncurrent loans to loans | 3.1041% | 510 |
| Net loans and leases to total assets | 46.5603% | 5,080 |
| Net loans and leases to deposits | 52.3279% | 5,209 |
| Net loans and leases to core deposits | 54.1211% | 5,248 |
| Total domestic deposits to total assets | 88.9780% | 1,115 |
| Equity capital to assets | 9.4262% | 4,742 |
| Core capital (leverage) ratio | 8.5114% | 5,383 |
| Tier 1 risk-based capital ratio | 14.0865% | 3,630 |
| Total risk-based capital ratio | 15.2411% | 3,632 |
| Memoranda: | ||
| Average total assets | $108,035,000 | 4,302 |
| Average earning assets | $95,960,500 | 4,380 |
| Average equity | $10,172,000 | 4,635 |
| Average total loans | $51,118,500 | 4,643 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,518 |
| Cost of funding earning assets | 0.4787% | 2,364 |
| Net interest margin | 3.1729% | 4,708 |
| Noninterest income to average assets | 0.3004% | 4,731 |
| Noninterest expense to average assets | 2.6499% | 3,757 |
| Loan and lease loss provision to assets | 0.5953% | 180 |
| Net operating income to assets | -0.1195% | 5,934 |
| Return on assets (ROA) | 0.0921% | 5,808 |
| Pretax return on assets | 0.0977% | 5,805 |
| Return on Equity (ROE) | 0.9769% | 5,777 |
| Retained earnings to average equity (ytd only) | -2.1512% | 5,759 |
| Net charge-offs to loans | 1.1091% | 168 |
| Credit loss provision to net charge-offs | 106.4892% | 2,362 |
| Earnings coverage of net charge-offs (x) | 0.8369% | 4,172 |
| Efficiency ratio | 84.9940% | 1,090 |
| Assets per employee ($millions) | 4.2890% | 3,409 |
| Cash dividends to net income (ytd only)* | 320.2020% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,600 |
| Loan loss allowance to noncurrent loans | 60.3313% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 2,047 |
| Noncurrent loans to loans | 2.2584% | 864 |
| Net loans and leases to total assets | 46.7218% | 5,115 |
| Net loans and leases to deposits | 52.4362% | 5,263 |
| Net loans and leases to core deposits | 54.2522% | 5,297 |
| Total domestic deposits to total assets | 89.1023% | 1,069 |
| Equity capital to assets | 9.4046% | 4,666 |
| Core capital (leverage) ratio | 8.4900% | 5,446 |
| Tier 1 risk-based capital ratio | 14.7337% | 3,313 |
| Total risk-based capital ratio | 15.8219% | 3,319 |
| Memoranda: | ||
| Average total assets | $107,511,800 | 4,307 |
| Average earning assets | $95,466,000 | 4,402 |
| Average equity | $10,133,800 | 4,639 |
| Average total loans | $54,186,600 | 4,552 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,379 |
| Cost of funding earning assets | 0.4877% | 2,335 |
| Net interest margin | 3.2250% | 4,594 |
| Noninterest income to average assets | 0.2875% | 4,886 |
| Noninterest expense to average assets | 2.7699% | 3,305 |
| Loan and lease loss provision to assets | 0.4908% | 209 |
| Net operating income to assets | -0.0680% | 5,982 |
| Return on assets (ROA) | -0.0037% | 5,974 |
| Pretax return on assets | 0.0037% | 5,966 |
| Return on Equity (ROE) | -0.0394% | 5,974 |
| Retained earnings to average equity (ytd only) | -3.1670% | 5,945 |
| Net charge-offs to loans | 1.1168% | 157 |
| Credit loss provision to net charge-offs | 85.9002% | 2,522 |
| Earnings coverage of net charge-offs (x) | 0.6898% | 3,919 |
| Efficiency ratio | 87.5441% | 883 |
| Assets per employee ($millions) | 4.6292% | 2,796 |
| Cash dividends to net income (ytd only)* | -7,933.2500% | 6,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 4,005 |
| Loan loss allowance to noncurrent loans | 73.2254% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 3,015 |
| Noncurrent loans to loans | 1.5553% | 1,603 |
| Net loans and leases to total assets | 47.9384% | 5,082 |
| Net loans and leases to deposits | 53.8362% | 5,261 |
| Net loans and leases to core deposits | 55.7137% | 5,322 |
| Total domestic deposits to total assets | 89.0450% | 1,011 |
| Equity capital to assets | 9.4485% | 4,811 |
| Core capital (leverage) ratio | 8.5943% | 5,468 |
| Tier 1 risk-based capital ratio | 14.4282% | 3,613 |
| Total risk-based capital ratio | 15.3346% | 3,744 |
| Memoranda: | ||
| Average total assets | $107,583,750 | 4,354 |
| Average earning assets | $95,956,500 | 4,439 |
| Average equity | $10,146,250 | 4,691 |
| Average total loans | $55,036,000 | 4,575 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 4,335 |
| Cost of funding earning assets | 0.4914% | 2,335 |
| Net interest margin | 3.2348% | 4,547 |
| Noninterest income to average assets | 0.2223% | 5,373 |
| Noninterest expense to average assets | 2.8401% | 3,104 |
| Loan and lease loss provision to assets | 0.2686% | 616 |
| Net operating income to assets | 0.0030% | 5,989 |
| Return on assets (ROA) | 0.1223% | 5,894 |
| Pretax return on assets | 0.1334% | 5,904 |
| Return on Equity (ROE) | 1.2973% | 5,836 |
| Retained earnings to average equity (ytd only) | -1.8084% | 5,808 |
| Net charge-offs to loans | 1.6236% | 100 |
| Credit loss provision to net charge-offs | 31.7982% | 2,908 |
| Earnings coverage of net charge-offs (x) | 0.3224% | 3,672 |
| Efficiency ratio | 91.2500% | 672 |
| Assets per employee ($millions) | 4.3469% | 3,217 |
| Cash dividends to net income (ytd only)* | 239.3939% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 5,906 |
| Loan loss allowance to noncurrent loans | 49.5652% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 3,517 |
| Noncurrent loans to loans | 1.2965% | 2,072 |
| Net loans and leases to total assets | 48.6570% | 5,040 |
| Net loans and leases to deposits | 54.4551% | 5,226 |
| Net loans and leases to core deposits | 56.3012% | 5,294 |
| Total domestic deposits to total assets | 89.3525% | 977 |
| Equity capital to assets | 9.2534% | 4,953 |
| Core capital (leverage) ratio | 8.8340% | 5,183 |
| Tier 1 risk-based capital ratio | 13.8597% | 4,001 |
| Total risk-based capital ratio | 14.3592% | 4,368 |
| Memoranda: | ||
| Average total assets | $107,954,330 | 4,383 |
| Average earning assets | $96,451,670 | 4,456 |
| Average equity | $10,175,000 | 4,708 |
| Average total loans | $56,171,670 | 4,576 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 4,172 |
| Cost of funding earning assets | 0.4897% | 2,383 |
| Net interest margin | 3.2673% | 4,355 |
| Noninterest income to average assets | 0.1301% | 5,948 |
| Noninterest expense to average assets | 2.7957% | 3,265 |
| Loan and lease loss provision to assets | 0.1933% | 971 |
| Net operating income to assets | 0.0844% | 5,902 |
| Return on assets (ROA) | 0.2231% | 5,717 |
| Pretax return on assets | 0.2454% | 5,761 |
| Return on Equity (ROE) | 2.3450% | 5,591 |
| Retained earnings to average equity (ytd only) | -0.7426% | 5,506 |
| Net charge-offs to loans | 2.5604% | 58 |
| Credit loss provision to net charge-offs | 14.0921% | 2,406 |
| Earnings coverage of net charge-offs (x) | 0.2087% | 3,085 |
| Efficiency ratio | 90.7117% | 799 |
| Assets per employee ($millions) | 4.1681% | 3,619 |
| Cash dividends to net income (ytd only)* | 131.6667% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6126% | 6,046 |
| Loan loss allowance to noncurrent loans | 29.6820% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 1.0584% | 2,499 |
| Noncurrent loans to loans | 2.0638% | 1,256 |
| Net loans and leases to total assets | 50.3031% | 4,814 |
| Net loans and leases to deposits | 56.5146% | 5,018 |
| Net loans and leases to core deposits | 58.4425% | 5,091 |
| Total domestic deposits to total assets | 89.0091% | 1,265 |
| Equity capital to assets | 9.5145% | 4,736 |
| Core capital (leverage) ratio | 8.6853% | 5,339 |
| Tier 1 risk-based capital ratio | 12.2752% | 5,062 |
| Total risk-based capital ratio | 12.7056% | 5,494 |
| Memoranda: | ||
| Average total assets | $107,595,000 | 4,421 |
| Average earning assets | $97,205,000 | 4,478 |
| Average equity | $10,234,500 | 4,730 |
| Average total loans | $57,648,000 | 4,557 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 3,648 |
| Cost of funding earning assets | 0.5128% | 2,548 |
| Net interest margin | 3.5074% | 3,765 |
| Noninterest income to average assets | 0.3229% | 4,808 |
| Noninterest expense to average assets | 2.7781% | 3,569 |
| Loan and lease loss provision to assets | 0.4611% | 356 |
| Net operating income to assets | 0.1989% | 5,766 |
| Return on assets (ROA) | 0.3113% | 5,561 |
| Pretax return on assets | 0.3327% | 5,638 |
| Return on Equity (ROE) | 3.5493% | 5,278 |
| Retained earnings to average equity (ytd only) | 0.5594% | 5,519 |
| Net charge-offs to loans | 1.2135% | 220 |
| Credit loss provision to net charge-offs | 71.4088% | 3,042 |
| Earnings coverage of net charge-offs (x) | 1.0442% | 4,505 |
| Efficiency ratio | 80.4702% | 1,852 |
| Assets per employee ($millions) | 3.8150% | 4,316 |
| Cash dividends to net income (ytd only)* | 84.2407% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 4,637 |
| Loan loss allowance to noncurrent loans | 44.2712% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 1,784 |
| Noncurrent loans to loans | 2.4402% | 1,056 |
| Net loans and leases to total assets | 55.9760% | 4,337 |
| Net loans and leases to deposits | 62.8018% | 4,657 |
| Net loans and leases to core deposits | 65.1972% | 4,732 |
| Total domestic deposits to total assets | 89.1311% | 1,159 |
| Equity capital to assets | 9.5095% | 4,707 |
| Core capital (leverage) ratio | 8.6470% | 5,393 |
| Tier 1 risk-based capital ratio | 13.3750% | 4,481 |
| Total risk-based capital ratio | 14.2847% | 4,621 |
| Memoranda: | ||
| Average total assets | $112,126,200 | 4,339 |
| Average earning assets | $100,046,600 | 4,391 |
| Average equity | $9,832,800 | 4,787 |
| Average total loans | $59,662,400 | 4,499 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,705 |
| Cost of funding earning assets | 0.5204% | 2,565 |
| Net interest margin | 3.4926% | 3,864 |
| Noninterest income to average assets | 0.3103% | 4,958 |
| Noninterest expense to average assets | 2.8252% | 3,369 |
| Loan and lease loss provision to assets | 0.3584% | 488 |
| Net operating income to assets | 0.1735% | 5,898 |
| Return on assets (ROA) | 0.2515% | 5,794 |
| Pretax return on assets | 0.3161% | 5,747 |
| Return on Equity (ROE) | 2.9260% | 5,562 |
| Retained earnings to average equity (ytd only) | -0.0410% | 5,800 |
| Net charge-offs to loans | 1.6053% | 142 |
| Credit loss provision to net charge-offs | 42.5978% | 3,246 |
| Earnings coverage of net charge-offs (x) | 0.6858% | 4,336 |
| Efficiency ratio | 83.0397% | 1,489 |
| Assets per employee ($millions) | 3.9933% | 3,900 |
| Cash dividends to net income (ytd only)* | 101.4019% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 5,930 |
| Loan loss allowance to noncurrent loans | 32.3022% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4181% | 2,179 |
| Noncurrent loans to loans | 2.4050% | 1,236 |
| Net loans and leases to total assets | 53.1887% | 4,672 |
| Net loans and leases to deposits | 59.5139% | 4,985 |
| Net loans and leases to core deposits | 61.9278% | 5,037 |
| Total domestic deposits to total assets | 89.3719% | 1,042 |
| Equity capital to assets | 9.2322% | 5,110 |
| Core capital (leverage) ratio | 8.3915% | 5,762 |
| Tier 1 risk-based capital ratio | 13.7312% | 4,401 |
| Total risk-based capital ratio | 14.3772% | 4,714 |
| Memoranda: | ||
| Average total assets | $113,453,000 | 4,346 |
| Average earning assets | $100,438,250 | 4,424 |
| Average equity | $9,751,500 | 4,837 |
| Average total loans | $59,466,500 | 4,544 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 3,647 |
| Cost of funding earning assets | 0.5257% | 2,579 |
| Net interest margin | 3.4963% | 3,803 |
| Noninterest income to average assets | 0.2983% | 5,026 |
| Noninterest expense to average assets | 2.7434% | 3,721 |
| Loan and lease loss provision to assets | 0.5289% | 276 |
| Net operating income to assets | 0.0663% | 6,105 |
| Return on assets (ROA) | 0.1699% | 5,952 |
| Pretax return on assets | 0.2376% | 5,898 |
| Return on Equity (ROE) | 2.0240% | 5,832 |
| Retained earnings to average equity (ytd only) | -0.7641% | 5,818 |
| Net charge-offs to loans | 2.3258% | 87 |
| Credit loss provision to net charge-offs | 43.6963% | 2,883 |
| Earnings coverage of net charge-offs (x) | 0.5143% | 4,029 |
| Efficiency ratio | 81.5044% | 1,806 |
| Assets per employee ($millions) | 4.1329% | 3,582 |
| Cash dividends to net income (ytd only)* | 137.7551% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 5,983 |
| Loan loss allowance to noncurrent loans | 34.7212% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2824% | 2,554 |
| Noncurrent loans to loans | 2.2908% | 1,419 |
| Net loans and leases to total assets | 50.3327% | 4,921 |
| Net loans and leases to deposits | 55.7757% | 5,209 |
| Net loans and leases to core deposits | 58.3142% | 5,250 |
| Total domestic deposits to total assets | 90.2413% | 693 |
| Equity capital to assets | 8.5092% | 5,794 |
| Core capital (leverage) ratio | 8.2960% | 5,851 |
| Tier 1 risk-based capital ratio | 11.9662% | 5,561 |
| Total risk-based capital ratio | 12.5538% | 5,847 |
| Memoranda: | ||
| Average total assets | $115,331,330 | 4,344 |
| Average earning assets | $101,193,330 | 4,432 |
| Average equity | $9,684,000 | 4,868 |
| Average total loans | $60,023,330 | 4,552 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 3,627 |
| Cost of funding earning assets | 0.5344% | 2,559 |
| Net interest margin | 3.4796% | 3,785 |
| Noninterest income to average assets | 0.3127% | 4,863 |
| Noninterest expense to average assets | 2.6751% | 4,020 |
| Loan and lease loss provision to assets | 1.0596% | 104 |
| Net operating income to assets | -0.4725% | 6,464 |
| Return on assets (ROA) | -0.4621% | 6,463 |
| Pretax return on assets | -0.3578% | 6,414 |
| Return on Equity (ROE) | -5.5402% | 6,480 |
| Retained earnings to average equity (ytd only) | -7.9563% | 6,281 |
| Net charge-offs to loans | 3.3620% | 51 |
| Credit loss provision to net charge-offs | 59.8039% | 2,117 |
| Earnings coverage of net charge-offs (x) | 0.3902% | 3,355 |
| Efficiency ratio | 79.4634% | 2,280 |
| Assets per employee ($millions) | 4.1825% | 3,565 |
| Cash dividends to net income (ytd only)* | -43.6090% | 6,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 4,990 |
| Loan loss allowance to noncurrent loans | 47.8102% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3534% | 2,609 |
| Noncurrent loans to loans | 2.3626% | 1,492 |
| Net loans and leases to total assets | 48.9552% | 5,005 |
| Net loans and leases to deposits | 54.0721% | 5,282 |
| Net loans and leases to core deposits | 56.6646% | 5,307 |
| Total domestic deposits to total assets | 90.5370% | 777 |
| Equity capital to assets | 8.1949% | 5,910 |
| Core capital (leverage) ratio | 8.0002% | 6,119 |
| Tier 1 risk-based capital ratio | 11.7086% | 5,810 |
| Total risk-based capital ratio | 12.5283% | 5,978 |
| Memoranda: | ||
| Average total assets | $115,136,000 | 4,387 |
| Average earning assets | $101,046,000 | 4,480 |
| Average equity | $9,602,500 | 4,907 |
| Average total loans | $60,678,500 | 4,564 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,399 |
| Cost of funding earning assets | 0.6004% | 2,654 |
| Net interest margin | 3.5842% | 3,529 |
| Noninterest income to average assets | 0.4626% | 4,009 |
| Noninterest expense to average assets | 2.7732% | 3,819 |
| Loan and lease loss provision to assets | 0.3490% | 907 |
| Net operating income to assets | 0.4635% | 4,894 |
| Return on assets (ROA) | 0.4926% | 4,899 |
| Pretax return on assets | 0.5058% | 5,190 |
| Return on Equity (ROE) | 5.6515% | 4,303 |
| Retained earnings to average equity (ytd only) | 1.4053% | 5,194 |
| Net charge-offs to loans | 0.4127% | 1,626 |
| Credit loss provision to net charge-offs | 156.5217% | 1,474 |
| Earnings coverage of net charge-offs (x) | 3.6996% | 3,780 |
| Efficiency ratio | 77.0757% | 2,608 |
| Assets per employee ($millions) | 4.1912% | 3,458 |
| Cash dividends to net income (ytd only)* | 75.1342% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 3,857 |
| Loan loss allowance to noncurrent loans | 98.1735% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 3,489 |
| Noncurrent loans to loans | 1.3823% | 2,826 |
| Net loans and leases to total assets | 55.2398% | 4,426 |
| Net loans and leases to deposits | 61.1893% | 4,811 |
| Net loans and leases to core deposits | 64.4038% | 4,832 |
| Total domestic deposits to total assets | 90.2769% | 926 |
| Equity capital to assets | 8.4904% | 5,591 |
| Core capital (leverage) ratio | 8.3023% | 5,875 |
| Tier 1 risk-based capital ratio | 12.5016% | 5,290 |
| Total risk-based capital ratio | 13.6278% | 5,307 |
| Memoranda: | ||
| Average total assets | $113,477,200 | 4,423 |
| Average earning assets | $99,268,400 | 4,533 |
| Average equity | $9,891,200 | 4,877 |
| Average total loans | $61,304,600 | 4,571 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 3,643 |
| Cost of funding earning assets | 0.6135% | 2,704 |
| Net interest margin | 3.5162% | 3,803 |
| Noninterest income to average assets | 0.3652% | 4,778 |
| Noninterest expense to average assets | 2.7240% | 3,928 |
| Loan and lease loss provision to assets | 0.2982% | 1,142 |
| Net operating income to assets | 0.4090% | 5,217 |
| Return on assets (ROA) | 0.4473% | 5,175 |
| Pretax return on assets | 0.4650% | 5,462 |
| Return on Equity (ROE) | 5.0993% | 4,674 |
| Retained earnings to average equity (ytd only) | 0.8967% | 5,617 |
| Net charge-offs to loans | 0.5089% | 1,264 |
| Credit loss provision to net charge-offs | 109.4828% | 2,147 |
| Earnings coverage of net charge-offs (x) | 2.6551% | 3,948 |
| Efficiency ratio | 79.0191% | 2,255 |
| Assets per employee ($millions) | 4.4017% | 3,046 |
| Cash dividends to net income (ytd only)* | 82.4150% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 4,836 |
| Loan loss allowance to noncurrent loans | 65.6889% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 3,363 |
| Noncurrent loans to loans | 1.8354% | 2,454 |
| Net loans and leases to total assets | 55.0290% | 4,454 |
| Net loans and leases to deposits | 61.1197% | 4,857 |
| Net loans and leases to core deposits | 64.1058% | 4,891 |
| Total domestic deposits to total assets | 90.0347% | 977 |
| Equity capital to assets | 8.6549% | 5,561 |
| Core capital (leverage) ratio | 8.4454% | 5,820 |
| Tier 1 risk-based capital ratio | 12.7607% | 5,287 |
| Total risk-based capital ratio | 13.7559% | 5,398 |
| Memoranda: | ||
| Average total assets | $113,555,750 | 4,462 |
| Average earning assets | $99,535,500 | 4,570 |
| Average equity | $9,962,000 | 4,912 |
| Average total loans | $60,788,000 | 4,630 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,952 |
| Cost of funding earning assets | 0.6207% | 2,767 |
| Net interest margin | 3.4215% | 4,106 |
| Noninterest income to average assets | 0.3835% | 4,641 |
| Noninterest expense to average assets | 2.6184% | 4,321 |
| Loan and lease loss provision to assets | 0.4010% | 774 |
| Net operating income to assets | 0.3609% | 5,357 |
| Return on assets (ROA) | 0.4166% | 5,312 |
| Pretax return on assets | 0.4410% | 5,546 |
| Return on Equity (ROE) | 4.7289% | 4,879 |
| Retained earnings to average equity (ytd only) | 0.7123% | 5,612 |
| Net charge-offs to loans | 0.7753% | 819 |
| Credit loss provision to net charge-offs | 97.8723% | 2,286 |
| Earnings coverage of net charge-offs (x) | 1.9106% | 3,886 |
| Efficiency ratio | 76.9862% | 2,629 |
| Assets per employee ($millions) | 4.3846% | 3,025 |
| Cash dividends to net income (ytd only)* | 84.9372% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,210 |
| Loan loss allowance to noncurrent loans | 68.0038% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 3,650 |
| Noncurrent loans to loans | 1.7004% | 2,763 |
| Net loans and leases to total assets | 53.3886% | 4,679 |
| Net loans and leases to deposits | 59.1230% | 5,057 |
| Net loans and leases to core deposits | 61.8910% | 5,099 |
| Total domestic deposits to total assets | 90.3009% | 860 |
| Equity capital to assets | 8.4728% | 5,794 |
| Core capital (leverage) ratio | 8.3416% | 5,835 |
| Tier 1 risk-based capital ratio | 12.6139% | 5,419 |
| Total risk-based capital ratio | 13.5647% | 5,564 |
| Memoranda: | ||
| Average total assets | $114,727,000 | 4,470 |
| Average earning assets | $101,183,330 | 4,541 |
| Average equity | $10,108,000 | 4,915 |
| Average total loans | $60,619,330 | 4,655 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 3,674 |
| Cost of funding earning assets | 0.6583% | 2,577 |
| Net interest margin | 3.4542% | 3,883 |
| Noninterest income to average assets | 0.4171% | 4,331 |
| Noninterest expense to average assets | 2.5232% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7681% | 3,342 |
| Return on assets (ROA) | 0.7681% | 3,484 |
| Pretax return on assets | 0.9940% | 3,379 |
| Return on Equity (ROE) | 8.5555% | 2,684 |
| Retained earnings to average equity (ytd only) | 4.8778% | 3,310 |
| Net charge-offs to loans | 0.0067% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 126 |
| Efficiency ratio | 71.7391% | 3,661 |
| Assets per employee ($millions) | 4.3787% | 3,189 |
| Cash dividends to net income (ytd only)* | 42.9864% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 5,204 |
| Loan loss allowance to noncurrent loans | 33.1328% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 2,478 |
| Noncurrent loans to loans | 3.6087% | 1,319 |
| Net loans and leases to total assets | 51.9706% | 4,709 |
| Net loans and leases to deposits | 58.0086% | 5,030 |
| Net loans and leases to core deposits | 60.7501% | 5,072 |
| Total domestic deposits to total assets | 89.5913% | 1,302 |
| Equity capital to assets | 9.1052% | 5,363 |
| Core capital (leverage) ratio | 8.0290% | 6,115 |
| Tier 1 risk-based capital ratio | 13.1323% | 5,119 |
| Total risk-based capital ratio | 14.1185% | 5,265 |
| Memoranda: | ||
| Average total assets | $115,090,500 | 4,503 |
| Average earning assets | $103,293,500 | 4,532 |
| Average equity | $10,332,500 | 4,924 |
| Average total loans | $60,141,500 | 4,701 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 4,155 |
| Cost of funding earning assets | 0.7814% | 2,820 |
| Net interest margin | 3.5282% | 4,385 |
| Noninterest income to average assets | 0.2938% | 5,364 |
| Noninterest expense to average assets | 2.5123% | 5,056 |
| Loan and lease loss provision to assets | 0.8541% | 546 |
| Net operating income to assets | 0.0687% | 6,059 |
| Return on assets (ROA) | 0.2445% | 5,849 |
| Pretax return on assets | 0.3114% | 5,802 |
| Return on Equity (ROE) | 2.7716% | 5,644 |
| Retained earnings to average equity (ytd only) | 0.3589% | 5,674 |
| Net charge-offs to loans | 2.1360% | 328 |
| Credit loss provision to net charge-offs | 77.8669% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.8597% | 5,047 |
| Efficiency ratio | 72.7088% | 3,288 |
| Assets per employee ($millions) | 5.0580% | 2,156 |
| Cash dividends to net income (ytd only)* | 87.0504% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 5,174 |
| Loan loss allowance to noncurrent loans | 122.5641% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 5,215 |
| Noncurrent loans to loans | 0.9685% | 4,259 |
| Net loans and leases to total assets | 51.3031% | 4,996 |
| Net loans and leases to deposits | 57.2482% | 5,318 |
| Net loans and leases to core deposits | 60.0735% | 5,357 |
| Total domestic deposits to total assets | 89.6152% | 1,179 |
| Equity capital to assets | 8.8530% | 5,684 |
| Core capital (leverage) ratio | 8.1232% | 6,066 |
| Tier 1 risk-based capital ratio | 12.8746% | 5,198 |
| Total risk-based capital ratio | 13.8557% | 5,344 |
| Memoranda: | ||
| Average total assets | $113,682,400 | 4,503 |
| Average earning assets | $101,865,000 | 4,551 |
| Average equity | $10,030,200 | 4,976 |
| Average total loans | $58,379,800 | 4,781 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 4,381 |
| Cost of funding earning assets | 0.7933% | 3,001 |
| Net interest margin | 3.5246% | 4,547 |
| Noninterest income to average assets | 0.2843% | 5,512 |
| Noninterest expense to average assets | 2.5588% | 4,883 |
| Loan and lease loss provision to assets | 0.7751% | 628 |
| Net operating income to assets | -0.0349% | 6,327 |
| Return on assets (ROA) | 0.1085% | 6,255 |
| Pretax return on assets | 0.3350% | 5,885 |
| Return on Equity (ROE) | 1.2312% | 6,212 |
| Retained earnings to average equity (ytd only) | -0.7494% | 6,232 |
| Net charge-offs to loans | 0.2073% | 3,487 |
| Credit loss provision to net charge-offs | 730.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 8.3443% | 2,462 |
| Efficiency ratio | 74.2808% | 2,938 |
| Assets per employee ($millions) | 4.5939% | 2,754 |
| Cash dividends to net income (ytd only)* | 160.8756% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6274% | 1,054 |
| Loan loss allowance to noncurrent loans | 92.0354% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 3,390 |
| Noncurrent loans to loans | 2.8548% | 1,972 |
| Net loans and leases to total assets | 50.3396% | 5,273 |
| Net loans and leases to deposits | 56.3270% | 5,605 |
| Net loans and leases to core deposits | 58.9879% | 5,661 |
| Total domestic deposits to total assets | 89.3703% | 1,203 |
| Equity capital to assets | 8.9309% | 5,894 |
| Core capital (leverage) ratio | 8.0828% | 6,249 |
| Tier 1 risk-based capital ratio | 13.1693% | 5,115 |
| Total risk-based capital ratio | 14.4329% | 5,073 |
| Memoranda: | ||
| Average total assets | $113,019,500 | 4,563 |
| Average earning assets | $101,341,500 | 4,610 |
| Average equity | $9,963,000 | 5,031 |
| Average total loans | $57,874,750 | 4,842 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 4,521 |
| Cost of funding earning assets | 0.8011% | 3,178 |
| Net interest margin | 3.5103% | 4,623 |
| Noninterest income to average assets | 0.2758% | 5,603 |
| Noninterest expense to average assets | 2.5371% | 5,009 |
| Loan and lease loss provision to assets | 0.1904% | 3,192 |
| Net operating income to assets | 0.5229% | 4,705 |
| Return on assets (ROA) | 0.7028% | 4,118 |
| Pretax return on assets | 0.9270% | 3,975 |
| Return on Equity (ROE) | 8.0081% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.2646% | 2,523 |
| Net charge-offs to loans | -0.0558% | 6,693 |
| Credit loss provision to net charge-offs | -668.7500% | 6,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2322% | 3,041 |
| Assets per employee ($millions) | 4.5107% | 2,885 |
| Cash dividends to net income (ytd only)* | 21.7722% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 2,350 |
| Loan loss allowance to noncurrent loans | 71.9072% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 3,787 |
| Noncurrent loans to loans | 2.7217% | 2,207 |
| Net loans and leases to total assets | 47.6701% | 5,645 |
| Net loans and leases to deposits | 53.1107% | 5,947 |
| Net loans and leases to core deposits | 56.9150% | 5,869 |
| Total domestic deposits to total assets | 89.7561% | 1,068 |
| Equity capital to assets | 8.6307% | 6,094 |
| Core capital (leverage) ratio | 8.2152% | 6,033 |
| Tier 1 risk-based capital ratio | 13.4892% | 4,832 |
| Total risk-based capital ratio | 14.7467% | 4,779 |
| Memoranda: | ||
| Average total assets | $112,410,000 | 4,608 |
| Average earning assets | $100,617,330 | 4,655 |
| Average equity | $9,865,000 | 5,057 |
| Average total loans | $57,375,000 | 4,896 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 4,653 |
| Cost of funding earning assets | 0.8405% | 3,145 |
| Net interest margin | 3.4802% | 4,791 |
| Noninterest income to average assets | 0.2655% | 5,749 |
| Noninterest expense to average assets | 2.5278% | 5,065 |
| Loan and lease loss provision to assets | 0.0655% | 4,599 |
| Net operating income to assets | 0.6878% | 3,941 |
| Return on assets (ROA) | 1.0148% | 2,611 |
| Pretax return on assets | 1.1421% | 3,155 |
| Return on Equity (ROE) | 11.4620% | 1,849 |
| Retained earnings to average equity (ytd only) | 9.4901% | 1,416 |
| Net charge-offs to loans | 0.0278% | 4,298 |
| Credit loss provision to net charge-offs | 450.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 568 |
| Efficiency ratio | 75.0540% | 2,931 |
| Assets per employee ($millions) | 4.3999% | 3,192 |
| Cash dividends to net income (ytd only)* | 17.2043% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 3,187 |
| Loan loss allowance to noncurrent loans | 67.1781% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3103% | 3,935 |
| Noncurrent loans to loans | 2.5930% | 2,514 |
| Net loans and leases to total assets | 49.6534% | 5,356 |
| Net loans and leases to deposits | 55.2947% | 5,676 |
| Net loans and leases to core deposits | 60.7918% | 5,457 |
| Total domestic deposits to total assets | 89.7978% | 1,194 |
| Equity capital to assets | 8.6558% | 5,928 |
| Core capital (leverage) ratio | 8.0416% | 6,215 |
| Tier 1 risk-based capital ratio | 13.1821% | 5,079 |
| Total risk-based capital ratio | 14.4347% | 5,048 |
| Memoranda: | ||
| Average total assets | $109,975,500 | 4,712 |
| Average earning assets | $98,040,000 | 4,748 |
| Average equity | $9,736,500 | 5,110 |
| Average total loans | $57,551,000 | 4,915 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 3,691 |
| Cost of funding earning assets | 0.9251% | 3,923 |
| Net interest margin | 3.8984% | 3,344 |
| Noninterest income to average assets | 0.3500% | 5,004 |
| Noninterest expense to average assets | 2.6984% | 4,751 |
| Loan and lease loss provision to assets | 0.3648% | 2,810 |
| Net operating income to assets | 0.5923% | 4,043 |
| Return on assets (ROA) | 0.5965% | 4,200 |
| Pretax return on assets | 0.7108% | 4,289 |
| Return on Equity (ROE) | 6.8422% | 3,470 |
| Retained earnings to average equity (ytd only) | 4.5238% | 2,952 |
| Net charge-offs to loans | 0.5990% | 2,652 |
| Credit loss provision to net charge-offs | 106.3218% | 3,195 |
| Earnings coverage of net charge-offs (x) | 3.1207% | 3,649 |
| Efficiency ratio | 71.5930% | 3,663 |
| Assets per employee ($millions) | 3.9094% | 4,051 |
| Cash dividends to net income (ytd only)* | 33.8843% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 3,079 |
| Loan loss allowance to noncurrent loans | 33.4569% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.8118% | 2,146 |
| Noncurrent loans to loans | 5.1804% | 1,062 |
| Net loans and leases to total assets | 53.3376% | 5,123 |
| Net loans and leases to deposits | 59.7487% | 5,519 |
| Net loans and leases to core deposits | 66.2688% | 5,222 |
| Total domestic deposits to total assets | 89.2699% | 1,385 |
| Equity capital to assets | 9.0674% | 5,470 |
| Core capital (leverage) ratio | 8.1430% | 6,081 |
| Tier 1 risk-based capital ratio | 12.7533% | 5,271 |
| Total risk-based capital ratio | 14.0061% | 5,246 |
| Memoranda: | ||
| Average total assets | $101,430,200 | 4,856 |
| Average earning assets | $88,959,000 | 4,962 |
| Average equity | $8,842,200 | 5,323 |
| Average total loans | $58,095,000 | 4,943 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 2,779 |
| Cost of funding earning assets | 0.9460% | 4,072 |
| Net interest margin | 4.1186% | 2,400 |
| Noninterest income to average assets | 0.3599% | 4,991 |
| Noninterest expense to average assets | 2.7357% | 4,594 |
| Loan and lease loss provision to assets | 0.2417% | 3,589 |
| Net operating income to assets | 0.8600% | 2,909 |
| Return on assets (ROA) | 0.8659% | 3,030 |
| Pretax return on assets | 0.9854% | 3,457 |
| Return on Equity (ROE) | 10.0382% | 2,182 |
| Retained earnings to average equity (ytd only) | 8.0984% | 1,475 |
| Net charge-offs to loans | 0.4734% | 2,845 |
| Credit loss provision to net charge-offs | 87.9227% | 3,852 |
| Earnings coverage of net charge-offs (x) | 4.4397% | 3,070 |
| Efficiency ratio | 69.1507% | 4,104 |
| Assets per employee ($millions) | 3.8079% | 4,291 |
| Cash dividends to net income (ytd only)* | 19.3257% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 3,256 |
| Loan loss allowance to noncurrent loans | 130.8437% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 5,389 |
| Noncurrent loans to loans | 1.3014% | 4,366 |
| Net loans and leases to total assets | 53.1173% | 5,300 |
| Net loans and leases to deposits | 59.4321% | 5,697 |
| Net loans and leases to core deposits | 64.5345% | 5,561 |
| Total domestic deposits to total assets | 89.3748% | 1,210 |
| Equity capital to assets | 8.8482% | 5,922 |
| Core capital (leverage) ratio | 8.1464% | 6,213 |
| Tier 1 risk-based capital ratio | 12.1385% | 5,788 |
| Total risk-based capital ratio | 13.4042% | 5,771 |
| Memoranda: | ||
| Average total assets | $100,399,250 | 4,918 |
| Average earning assets | $87,665,750 | 5,044 |
| Average equity | $8,660,000 | 5,396 |
| Average total loans | $58,295,500 | 4,980 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 2,354 |
| Cost of funding earning assets | 0.9749% | 4,124 |
| Net interest margin | 4.2026% | 2,025 |
| Noninterest income to average assets | 0.3554% | 5,042 |
| Noninterest expense to average assets | 2.7291% | 4,711 |
| Loan and lease loss provision to assets | 0.3655% | 2,604 |
| Net operating income to assets | 0.8213% | 2,974 |
| Return on assets (ROA) | 0.8213% | 3,091 |
| Pretax return on assets | 0.9398% | 3,473 |
| Return on Equity (ROE) | 9.6073% | 2,262 |
| Retained earnings to average equity (ytd only) | 8.3389% | 1,320 |
| Net charge-offs to loans | 0.6046% | 2,315 |
| Credit loss provision to net charge-offs | 101.6760% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.6313% | 3,104 |
| Efficiency ratio | 67.6456% | 4,582 |
| Assets per employee ($millions) | 3.9912% | 3,770 |
| Cash dividends to net income (ytd only)* | 13.2029% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,409 |
| Loan loss allowance to noncurrent loans | 35.3154% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 2.7641% | 2,422 |
| Noncurrent loans to loans | 4.7386% | 1,391 |
| Net loans and leases to total assets | 57.3546% | 4,752 |
| Net loans and leases to deposits | 64.1840% | 5,246 |
| Net loans and leases to core deposits | 67.5420% | 5,331 |
| Total domestic deposits to total assets | 89.3597% | 1,323 |
| Equity capital to assets | 8.8253% | 5,788 |
| Core capital (leverage) ratio | 8.4023% | 5,705 |
| Tier 1 risk-based capital ratio | 11.5706% | 6,115 |
| Total risk-based capital ratio | 12.8228% | 6,101 |
| Memoranda: | ||
| Average total assets | $99,595,000 | 4,970 |
| Average earning assets | $87,184,670 | 5,093 |
| Average equity | $8,514,330 | 5,451 |
| Average total loans | $59,208,330 | 4,993 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 2,432 |
| Cost of funding earning assets | 1.0814% | 3,649 |
| Net interest margin | 4.0691% | 2,396 |
| Noninterest income to average assets | 0.3980% | 4,711 |
| Noninterest expense to average assets | 2.7015% | 4,830 |
| Loan and lease loss provision to assets | 0.5909% | 1,456 |
| Net operating income to assets | 0.7115% | 3,466 |
| Return on assets (ROA) | 0.7115% | 3,532 |
| Pretax return on assets | 0.6754% | 4,396 |
| Return on Equity (ROE) | 8.4603% | 2,712 |
| Retained earnings to average equity (ytd only) | 6.7396% | 2,266 |
| Net charge-offs to loans | 1.0048% | 1,355 |
| Credit loss provision to net charge-offs | 98.0000% | 2,788 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 3,248 |
| Efficiency ratio | 68.0851% | 4,638 |
| Assets per employee ($millions) | 4.0136% | 3,811 |
| Cash dividends to net income (ytd only)* | 20.3390% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,639 |
| Loan loss allowance to noncurrent loans | 153.1646% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 5,692 |
| Noncurrent loans to loans | 1.0599% | 4,935 |
| Net loans and leases to total assets | 58.4626% | 4,565 |
| Net loans and leases to deposits | 65.0030% | 5,131 |
| Net loans and leases to core deposits | 67.9721% | 5,293 |
| Total domestic deposits to total assets | 89.9383% | 1,182 |
| Equity capital to assets | 8.4342% | 6,009 |
| Core capital (leverage) ratio | 7.6439% | 6,612 |
| Tier 1 risk-based capital ratio | 11.1890% | 6,362 |
| Total risk-based capital ratio | 12.4401% | 6,332 |
| Memoranda: | ||
| Average total assets | $99,502,000 | 5,014 |
| Average earning assets | $87,291,000 | 5,120 |
| Average equity | $8,368,500 | 5,499 |
| Average total loans | $59,711,000 | 5,013 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3656% | 2,830 |
| Cost of funding earning assets | 1.4318% | 3,062 |
| Net interest margin | 3.9339% | 3,326 |
| Noninterest income to average assets | 0.6977% | 2,854 |
| Noninterest expense to average assets | 2.9019% | 4,217 |
| Loan and lease loss provision to assets | 0.6059% | 2,712 |
| Net operating income to assets | 0.6130% | 3,614 |
| Return on assets (ROA) | 0.7273% | 3,241 |
| Pretax return on assets | 0.7120% | 3,932 |
| Return on Equity (ROE) | 9.2602% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.7926% | 1,043 |
| Net charge-offs to loans | 0.0485% | 6,312 |
| Credit loss provision to net charge-offs | 2,121.4286% | 107 |
| Earnings coverage of net charge-offs (x) | 42.1429% | 553 |
| Efficiency ratio | 70.6832% | 4,040 |
| Assets per employee ($millions) | 3.7947% | 4,275 |
| Cash dividends to net income (ytd only)* | 15.8485% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 3,490 |
| Loan loss allowance to noncurrent loans | 261.7251% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,331 |
| Noncurrent loans to loans | 0.6205% | 5,813 |
| Net loans and leases to total assets | 59.6181% | 4,743 |
| Net loans and leases to deposits | 66.0309% | 5,393 |
| Net loans and leases to core deposits | 71.1094% | 5,320 |
| Total domestic deposits to total assets | 90.2882% | 944 |
| Equity capital to assets | 8.3861% | 6,025 |
| Core capital (leverage) ratio | 7.6410% | 6,586 |
| Tier 1 risk-based capital ratio | 10.9021% | 6,410 |
| Total risk-based capital ratio | 12.1662% | 6,366 |
| Memoranda: | ||
| Average total assets | $98,040,000 | 5,047 |
| Average earning assets | $84,929,400 | 5,183 |
| Average equity | $7,699,600 | 5,809 |
| Average total loans | $57,681,400 | 5,172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 3,107 |
| Cost of funding earning assets | 1.4880% | 3,050 |
| Net interest margin | 3.8643% | 3,681 |
| Noninterest income to average assets | 0.8050% | 2,211 |
| Noninterest expense to average assets | 2.8850% | 4,150 |
| Loan and lease loss provision to assets | 0.7764% | 1,967 |
| Net operating income to assets | 0.4460% | 4,556 |
| Return on assets (ROA) | 0.5489% | 4,264 |
| Pretax return on assets | 0.6116% | 4,559 |
| Return on Equity (ROE) | 7.1112% | 3,293 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,616 |
| Net charge-offs to loans | 0.0653% | 5,862 |
| Credit loss provision to net charge-offs | 2,035.7143% | 156 |
| Earnings coverage of net charge-offs (x) | 33.3951% | 805 |
| Efficiency ratio | 69.3744% | 4,192 |
| Assets per employee ($millions) | 4.0789% | 3,683 |
| Cash dividends to net income (ytd only)* | 21.8361% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,424 |
| Loan loss allowance to noncurrent loans | 417.1806% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 6,786 |
| Noncurrent loans to loans | 0.3896% | 6,415 |
| Net loans and leases to total assets | 58.5578% | 5,175 |
| Net loans and leases to deposits | 64.5526% | 5,843 |
| Net loans and leases to core deposits | 69.3198% | 5,818 |
| Total domestic deposits to total assets | 90.7133% | 543 |
| Equity capital to assets | 7.8545% | 6,901 |
| Core capital (leverage) ratio | 7.0235% | 7,151 |
| Tier 1 risk-based capital ratio | 10.0752% | 7,026 |
| Total risk-based capital ratio | 11.3384% | 7,001 |
| Memoranda: | ||
| Average total assets | $97,884,250 | 5,113 |
| Average earning assets | $84,946,000 | 5,240 |
| Average equity | $7,556,000 | 5,927 |
| Average total loans | $57,153,750 | 5,266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 3,296 |
| Cost of funding earning assets | 1.5616% | 2,898 |
| Net interest margin | 3.7724% | 4,035 |
| Noninterest income to average assets | 1.0155% | 1,336 |
| Noninterest expense to average assets | 2.7911% | 4,526 |
| Loan and lease loss provision to assets | 0.3841% | 3,409 |
| Net operating income to assets | 1.0261% | 2,098 |
| Return on assets (ROA) | 1.1912% | 1,648 |
| Pretax return on assets | 1.2689% | 2,191 |
| Return on Equity (ROE) | 15.5225% | 761 |
| Retained earnings to average equity (ytd only) | 14.1380% | 301 |
| Net charge-offs to loans | 0.0704% | 5,434 |
| Credit loss provision to net charge-offs | 940.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 36.1500% | 798 |
| Efficiency ratio | 65.3901% | 5,081 |
| Assets per employee ($millions) | 3.7528% | 4,341 |
| Cash dividends to net income (ytd only)* | 8.9194% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 6,485 |
| Loan loss allowance to noncurrent loans | 245.4936% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 6,801 |
| Noncurrent loans to loans | 0.3991% | 6,441 |
| Net loans and leases to total assets | 59.2418% | 5,209 |
| Net loans and leases to deposits | 65.3854% | 5,883 |
| Net loans and leases to core deposits | 70.6573% | 5,810 |
| Total domestic deposits to total assets | 90.6040% | 640 |
| Equity capital to assets | 7.9899% | 6,761 |
| Core capital (leverage) ratio | 7.3258% | 6,976 |
| Tier 1 risk-based capital ratio | 10.2509% | 6,881 |
| Total risk-based capital ratio | 11.0749% | 7,101 |
| Memoranda: | ||
| Average total assets | $97,881,330 | 5,139 |
| Average earning assets | $84,402,000 | 5,282 |
| Average equity | $7,511,670 | 5,963 |
| Average total loans | $56,781,330 | 5,322 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3844% | 3,115 |
| Cost of funding earning assets | 1.6487% | 2,660 |
| Net interest margin | 3.7357% | 4,076 |
| Noninterest income to average assets | 0.3387% | 5,432 |
| Noninterest expense to average assets | 2.7378% | 4,728 |
| Loan and lease loss provision to assets | 0.6936% | 1,834 |
| Net operating income to assets | 0.0963% | 6,033 |
| Return on assets (ROA) | 0.4121% | 4,930 |
| Pretax return on assets | 0.4570% | 5,102 |
| Return on Equity (ROE) | 5.4821% | 4,113 |
| Retained earnings to average equity (ytd only) | 4.0166% | 3,744 |
| Net charge-offs to loans | 0.1500% | 4,036 |
| Credit loss provision to net charge-offs | 809.5238% | 562 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,868 |
| Efficiency ratio | 77.3933% | 2,997 |
| Assets per employee ($millions) | 3.7583% | 4,404 |
| Cash dividends to net income (ytd only)* | 26.7327% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 6,579 |
| Loan loss allowance to noncurrent loans | 158.2857% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,613 |
| Noncurrent loans to loans | 0.6156% | 6,081 |
| Net loans and leases to total assets | 55.4857% | 5,819 |
| Net loans and leases to deposits | 60.9419% | 6,371 |
| Net loans and leases to core deposits | 70.2690% | 5,892 |
| Total domestic deposits to total assets | 91.0469% | 522 |
| Equity capital to assets | 7.2512% | 7,252 |
| Core capital (leverage) ratio | 6.6593% | 7,408 |
| Tier 1 risk-based capital ratio | 9.7463% | 7,183 |
| Total risk-based capital ratio | 10.5574% | 7,387 |
| Memoranda: | ||
| Average total assets | $98,035,500 | 5,207 |
| Average earning assets | $83,946,500 | 5,362 |
| Average equity | $7,369,500 | 6,064 |
| Average total loans | $55,984,000 | 5,423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 4,086 |
| Cost of funding earning assets | 1.7613% | 4,198 |
| Net interest margin | 3.7500% | 3,912 |
| Noninterest income to average assets | 0.3952% | 5,240 |
| Noninterest expense to average assets | 2.9018% | 4,524 |
| Loan and lease loss provision to assets | 0.2062% | 5,694 |
| Net operating income to assets | 0.5877% | 3,372 |
| Return on assets (ROA) | 0.5923% | 3,442 |
| Pretax return on assets | 0.5774% | 3,967 |
| Return on Equity (ROE) | 7.1504% | 2,736 |
| Retained earnings to average equity (ytd only) | 2.9321% | 3,115 |
| Net charge-offs to loans | 0.1958% | 5,421 |
| Credit loss provision to net charge-offs | 187.5000% | 2,154 |
| Earnings coverage of net charge-offs (x) | 7.0833% | 2,222 |
| Efficiency ratio | 78.8360% | 3,069 |
| Assets per employee ($millions) | 3.3785% | 5,310 |
| Cash dividends to net income (ytd only)* | 58.9942% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 7,298 |
| Loan loss allowance to noncurrent loans | 135.9060% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 6,650 |
| Noncurrent loans to loans | 0.5407% | 6,166 |
| Net loans and leases to total assets | 57.8300% | 5,685 |
| Net loans and leases to deposits | 64.0151% | 6,259 |
| Net loans and leases to core deposits | 81.9627% | 5,910 |
| Total domestic deposits to total assets | 90.3381% | 816 |
| Equity capital to assets | 7.8025% | 6,761 |
| Core capital (leverage) ratio | 7.0715% | 7,178 |
| Tier 1 risk-based capital ratio | 9.5538% | 7,196 |
| Total risk-based capital ratio | 10.1415% | 7,533 |
| Memoranda: | ||
| Average total assets | $87,291,200 | 5,478 |
| Average earning assets | $76,479,200 | 5,583 |
| Average equity | $7,230,400 | 6,196 |
| Average total loans | $49,035,000 | 5,717 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 4,505 |
| Cost of funding earning assets | 1.7535% | 4,621 |
| Net interest margin | 3.7286% | 3,953 |
| Noninterest income to average assets | 0.4119% | 5,200 |
| Noninterest expense to average assets | 2.9485% | 4,240 |
| Loan and lease loss provision to assets | 0.2106% | 5,295 |
| Net operating income to assets | 0.5138% | 3,922 |
| Return on assets (ROA) | 0.5195% | 3,995 |
| Pretax return on assets | 0.5663% | 4,310 |
| Return on Equity (ROE) | 6.1727% | 3,454 |
| Retained earnings to average equity (ytd only) | 3.0215% | 3,641 |
| Net charge-offs to loans | 0.2722% | 4,340 |
| Credit loss provision to net charge-offs | 139.1753% | 3,546 |
| Earnings coverage of net charge-offs (x) | 5.0928% | 2,926 |
| Efficiency ratio | 79.2785% | 2,955 |
| Assets per employee ($millions) | 3.3674% | 5,222 |
| Cash dividends to net income (ytd only)* | 51.0507% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 7,362 |
| Loan loss allowance to noncurrent loans | 63.4921% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 5,943 |
| Noncurrent loans to loans | 1.1055% | 5,104 |
| Net loans and leases to total assets | 54.0154% | 6,382 |
| Net loans and leases to deposits | 59.4638% | 6,868 |
| Net loans and leases to core deposits | 80.0707% | 6,345 |
| Total domestic deposits to total assets | 90.8375% | 471 |
| Equity capital to assets | 7.7689% | 7,066 |
| Core capital (leverage) ratio | 7.1442% | 7,313 |
| Tier 1 risk-based capital ratio | 10.2763% | 6,708 |
| Total risk-based capital ratio | 10.8424% | 7,271 |
| Memoranda: | ||
| Average total assets | $85,464,500 | 5,568 |
| Average earning assets | $75,809,000 | 5,638 |
| Average equity | $7,192,750 | 6,260 |
| Average total loans | $47,516,000 | 5,825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5652% | 4,250 |
| Cost of funding earning assets | 1.7512% | 4,999 |
| Net interest margin | 3.8141% | 3,492 |
| Noninterest income to average assets | 0.4193% | 5,126 |
| Noninterest expense to average assets | 2.8089% | 4,926 |
| Loan and lease loss provision to assets | 0.2181% | 4,859 |
| Net operating income to assets | 0.7149% | 3,185 |
| Return on assets (ROA) | 0.7149% | 3,295 |
| Pretax return on assets | 0.8022% | 3,660 |
| Return on Equity (ROE) | 8.2533% | 2,668 |
| Retained earnings to average equity (ytd only) | 5.6234% | 2,193 |
| Net charge-offs to loans | 0.2162% | 4,155 |
| Credit loss provision to net charge-offs | 180.0000% | 2,538 |
| Earnings coverage of net charge-offs (x) | 8.4200% | 2,262 |
| Efficiency ratio | 73.3544% | 4,132 |
| Assets per employee ($millions) | 3.1976% | 5,593 |
| Cash dividends to net income (ytd only)* | 31.8644% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 7,363 |
| Loan loss allowance to noncurrent loans | 67.2862% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 5,855 |
| Noncurrent loans to loans | 1.0807% | 5,042 |
| Net loans and leases to total assets | 57.2440% | 6,063 |
| Net loans and leases to deposits | 63.4554% | 6,619 |
| Net loans and leases to core deposits | 80.3241% | 6,382 |
| Total domestic deposits to total assets | 90.2113% | 747 |
| Equity capital to assets | 8.3884% | 6,216 |
| Core capital (leverage) ratio | 7.5850% | 6,920 |
| Tier 1 risk-based capital ratio | 10.9770% | 5,893 |
| Total risk-based capital ratio | 11.5815% | 6,498 |
| Memoranda: | ||
| Average total assets | $82,524,000 | 5,712 |
| Average earning assets | $73,779,670 | 5,755 |
| Average equity | $7,148,670 | 6,323 |
| Average total loans | $46,258,330 | 5,924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5021% | 4,899 |
| Cost of funding earning assets | 1.7427% | 5,397 |
| Net interest margin | 3.7594% | 3,619 |
| Noninterest income to average assets | 0.4763% | 4,541 |
| Noninterest expense to average assets | 2.8182% | 4,488 |
| Loan and lease loss provision to assets | 0.2481% | 3,989 |
| Net operating income to assets | 0.7393% | 3,396 |
| Return on assets (ROA) | 0.7393% | 3,575 |
| Pretax return on assets | 0.8137% | 4,026 |
| Return on Equity (ROE) | 8.3920% | 2,972 |
| Retained earnings to average equity (ytd only) | 4.3368% | 3,502 |
| Net charge-offs to loans | 0.0180% | 5,321 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 410 |
| Efficiency ratio | 72.6343% | 4,077 |
| Assets per employee ($millions) | 4.3046% | 3,063 |
| Cash dividends to net income (ytd only)* | 48.3221% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 7,095 |
| Loan loss allowance to noncurrent loans | 83.4842% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 5,928 |
| Noncurrent loans to loans | 0.9783% | 5,040 |
| Net loans and leases to total assets | 52.0531% | 6,675 |
| Net loans and leases to deposits | 57.6410% | 7,059 |
| Net loans and leases to core deposits | 77.9913% | 6,537 |
| Total domestic deposits to total assets | 90.3056% | 674 |
| Equity capital to assets | 8.3354% | 6,337 |
| Core capital (leverage) ratio | 7.5854% | 7,045 |
| Tier 1 risk-based capital ratio | 11.4312% | 5,478 |
| Total risk-based capital ratio | 12.0854% | 5,966 |
| Memoranda: | ||
| Average total assets | $80,619,000 | 5,799 |
| Average earning assets | $72,990,500 | 5,815 |
| Average equity | $7,102,000 | 6,372 |
| Average total loans | $44,496,000 | 6,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3057% | 3,936 |
| Cost of funding earning assets | 2.1082% | 6,013 |
| Net interest margin | 4.1975% | 2,319 |
| Noninterest income to average assets | 0.5497% | 4,233 |
| Noninterest expense to average assets | 2.9578% | 4,236 |
| Loan and lease loss provision to assets | 0.2159% | 4,726 |
| Net operating income to assets | 0.9377% | 2,843 |
| Return on assets (ROA) | 0.9462% | 2,664 |
| Pretax return on assets | 1.1648% | 2,789 |
| Return on Equity (ROE) | 10.7057% | 2,005 |
| Retained earnings to average equity (ytd only) | 6.5449% | 1,324 |
| Net charge-offs to loans | -0.0123% | 7,873 |
| Credit loss provision to net charge-offs | -3,300.0000% | 7,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3399% | 4,665 |
| Assets per employee ($millions) | 3.4158% | 4,898 |
| Cash dividends to net income (ytd only)* | 38.8658% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7327% | 7,349 |
| Loan loss allowance to noncurrent loans | 87.4659% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 5,744 |
| Noncurrent loans to loans | 0.8377% | 4,960 |
| Net loans and leases to total assets | 57.8719% | 6,215 |
| Net loans and leases to deposits | 65.3990% | 6,684 |
| Net loans and leases to core deposits | 80.6143% | 6,568 |
| Total domestic deposits to total assets | 88.4906% | 1,253 |
| Equity capital to assets | 9.3523% | 4,871 |
| Core capital (leverage) ratio | 8.5447% | 5,487 |
| Tier 1 risk-based capital ratio | 11.8647% | 4,927 |
| Total risk-based capital ratio | 12.4625% | 5,408 |
| Memoranda: | ||
| Average total assets | $76,409,400 | 5,819 |
| Average earning assets | $68,778,600 | 5,863 |
| Average equity | $6,753,400 | 6,550 |
| Average total loans | $40,791,800 | 6,133 |