Home > Spencer County Bank > Performance and Condition Ratios
Spencer County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 2,868 |
| Cost of funding earning assets | 0.7712% | 3,807 |
| Net interest margin | 3.8421% | 1,486 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.8783% | 1,316 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0767% | 1,983 |
| Return on assets (ROA) | 1.0767% | 1,956 |
| Pretax return on assets | 1.3639% | 1,712 |
| Return on Equity (ROE) | 9.1900% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.7022% | 1,334 |
| Net charge-offs to loans | 0.0344% | 1,618 |
| Credit loss provision to net charge-offs | 96.4286% | 1,882 |
| Earnings coverage of net charge-offs (x) | 62.1786% | 1,170 |
| Efficiency ratio | 67.5065% | 2,168 |
| Assets per employee ($millions) | 3.0050% | 4,383 |
| Cash dividends to net income (ytd only)* | 5.3215% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6569% | 4,174 |
| Loan loss allowance to noncurrent loans | 83.2565% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 844 |
| Noncurrent loans to loans | 0.7890% | 981 |
| Net loans and leases to total assets | 66.5300% | 2,197 |
| Net loans and leases to deposits | 76.4209% | 2,412 |
| Net loans and leases to core deposits | 78.7332% | 2,784 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 12.5693% | 972 |
| Core capital (leverage) ratio | 13.4807% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $125,664,600 | 3,593 |
| Average earning assets | $114,233,200 | 3,601 |
| Average equity | $14,720,400 | 3,292 |
| Average total loans | $81,368,400 | 3,388 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 2,815 |
| Cost of funding earning assets | 0.6970% | 3,770 |
| Net interest margin | 3.8463% | 1,505 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.8244% | 1,382 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.1825% | 1,835 |
| Return on assets (ROA) | 1.1825% | 1,824 |
| Pretax return on assets | 1.4275% | 1,718 |
| Return on Equity (ROE) | 10.2800% | 2,565 |
| Retained earnings to average equity (ytd only) | 10.2780% | 1,328 |
| Net charge-offs to loans | 0.0132% | 1,927 |
| Credit loss provision to net charge-offs | 150.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 170.5000% | 667 |
| Efficiency ratio | 66.2293% | 2,245 |
| Assets per employee ($millions) | 2.9048% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 4,189 |
| Loan loss allowance to noncurrent loans | 74.6922% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 899 |
| Noncurrent loans to loans | 0.8896% | 927 |
| Net loans and leases to total assets | 65.3500% | 2,305 |
| Net loans and leases to deposits | 74.6506% | 2,513 |
| Net loans and leases to core deposits | 77.0769% | 2,794 |
| Total domestic deposits to total assets | 87.5400% | 1,725 |
| Equity capital to assets | 11.8136% | 1,086 |
| Core capital (leverage) ratio | 13.0968% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,279,500 | 3,601 |
| Average earning assets | $114,774,250 | 3,606 |
| Average equity | $14,529,000 | 3,306 |
| Average total loans | $81,083,500 | 3,402 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 2,916 |
| Cost of funding earning assets | 0.6248% | 3,695 |
| Net interest margin | 3.7612% | 1,698 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.7616% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2782% | 1,623 |
| Return on assets (ROA) | 1.2782% | 1,614 |
| Pretax return on assets | 1.5134% | 1,569 |
| Return on Equity (ROE) | 11.2100% | 2,370 |
| Retained earnings to average equity (ytd only) | 11.2085% | 1,149 |
| Net charge-offs to loans | 0.0074% | 1,953 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 320.6667% | 427 |
| Efficiency ratio | 64.5280% | 2,423 |
| Assets per employee ($millions) | 2.9308% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6539% | 4,238 |
| Loan loss allowance to noncurrent loans | 60.6943% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 668 |
| Noncurrent loans to loans | 1.0774% | 678 |
| Net loans and leases to total assets | 65.3400% | 2,228 |
| Net loans and leases to deposits | 74.4209% | 2,450 |
| Net loans and leases to core deposits | 76.8232% | 2,705 |
| Total domestic deposits to total assets | 87.8000% | 1,675 |
| Equity capital to assets | 11.6660% | 1,150 |
| Core capital (leverage) ratio | 12.7631% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $126,737,000 | 3,607 |
| Average earning assets | $115,229,000 | 3,617 |
| Average equity | $14,453,333 | 3,316 |
| Average total loans | $80,720,667 | 3,404 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 2,832 |
| Cost of funding earning assets | 0.5516% | 3,527 |
| Net interest margin | 3.7356% | 1,814 |
| Noninterest income to average assets | 1.2500% | 418 |
| Noninterest expense to average assets | 2.7004% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6681% | 872 |
| Return on assets (ROA) | 1.6681% | 872 |
| Pretax return on assets | 1.9136% | 892 |
| Return on Equity (ROE) | 14.8000% | 1,595 |
| Retained earnings to average equity (ytd only) | 14.7952% | 829 |
| Net charge-offs to loans | 0.0251% | 1,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 121.6000% | 701 |
| Efficiency ratio | 58.5266% | 3,129 |
| Assets per employee ($millions) | 3.1134% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 4,286 |
| Loan loss allowance to noncurrent loans | 50.1401% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 443 |
| Noncurrent loans to loans | 1.3219% | 504 |
| Net loans and leases to total assets | 63.0500% | 2,356 |
| Net loans and leases to deposits | 71.7588% | 2,487 |
| Net loans and leases to core deposits | 73.6534% | 2,704 |
| Total domestic deposits to total assets | 87.8700% | 1,967 |
| Equity capital to assets | 11.6571% | 1,103 |
| Core capital (leverage) ratio | 12.5496% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $127,093,500 | 3,645 |
| Average earning assets | $114,574,000 | 3,671 |
| Average equity | $14,329,000 | 3,360 |
| Average total loans | $79,638,500 | 3,456 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 3,458 |
| Cost of funding earning assets | 0.2580% | 3,262 |
| Net interest margin | 3.0987% | 3,176 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.6072% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8877% | 3,015 |
| Return on assets (ROA) | 0.8877% | 2,958 |
| Pretax return on assets | 1.0289% | 2,983 |
| Return on Equity (ROE) | 8.7300% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.3105% | 1,720 |
| Net charge-offs to loans | -0.0251% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.7031% | 1,473 |
| Assets per employee ($millions) | 3.5150% | 4,433 |
| Cash dividends to net income (ytd only)* | 4.8053% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6172% | 4,322 |
| Loan loss allowance to noncurrent loans | 47.2141% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9286% | 470 |
| Noncurrent loans to loans | 1.3072% | 523 |
| Net loans and leases to total assets | 61.4600% | 2,496 |
| Net loans and leases to deposits | 69.3529% | 2,635 |
| Net loans and leases to core deposits | 71.4117% | 2,764 |
| Total domestic deposits to total assets | 88.6200% | 1,838 |
| Equity capital to assets | 10.8883% | 1,306 |
| Core capital (leverage) ratio | 11.9938% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $135,968,600 | 3,576 |
| Average earning assets | $124,408,200 | 3,574 |
| Average equity | $13,825,800 | 3,490 |
| Average total loans | $71,823,600 | 3,547 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1379% | 3,586 |
| Cost of funding earning assets | 0.2516% | 2,684 |
| Net interest margin | 2.8863% | 3,524 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.5562% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8299% | 3,132 |
| Return on assets (ROA) | 0.8299% | 3,101 |
| Pretax return on assets | 0.9369% | 3,214 |
| Return on Equity (ROE) | 8.3000% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.2959% | 1,886 |
| Net charge-offs to loans | -0.0494% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.1788% | 1,364 |
| Assets per employee ($millions) | 3.8062% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 4,318 |
| Loan loss allowance to noncurrent loans | 50.8827% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 616 |
| Noncurrent loans to loans | 1.2947% | 563 |
| Net loans and leases to total assets | 53.9300% | 3,110 |
| Net loans and leases to deposits | 60.1429% | 3,189 |
| Net loans and leases to core deposits | 62.4734% | 3,218 |
| Total domestic deposits to total assets | 89.6600% | 1,808 |
| Equity capital to assets | 9.7750% | 1,741 |
| Core capital (leverage) ratio | 11.0518% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $138,326,000 | 3,571 |
| Average earning assets | $127,172,750 | 3,585 |
| Average equity | $13,837,750 | 3,535 |
| Average total loans | $70,215,500 | 3,585 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9477% | 3,682 |
| Cost of funding earning assets | 0.2551% | 2,193 |
| Net interest margin | 2.6926% | 3,712 |
| Noninterest income to average assets | 0.4670% | 2,362 |
| Noninterest expense to average assets | 2.3335% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5520% | 3,757 |
| Return on assets (ROA) | 0.5520% | 3,709 |
| Pretax return on assets | 0.6284% | 3,758 |
| Return on Equity (ROE) | 5.4770% | 3,716 |
| Retained earnings to average equity (ytd only) | 5.4770% | 2,526 |
| Net charge-offs to loans | -0.0697% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7835% | 1,034 |
| Assets per employee ($millions) | 3.7926% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 4,364 |
| Loan loss allowance to noncurrent loans | 79.7716% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 1,012 |
| Noncurrent loans to loans | 0.8525% | 1,003 |
| Net loans and leases to total assets | 52.3057% | 3,123 |
| Net loans and leases to deposits | 58.3322% | 3,193 |
| Net loans and leases to core deposits | 61.1001% | 3,188 |
| Total domestic deposits to total assets | 89.6685% | 1,859 |
| Equity capital to assets | 9.8803% | 1,783 |
| Core capital (leverage) ratio | 10.6181% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,760,333 | 3,610 |
| Average earning assets | $128,573,667 | 3,612 |
| Average equity | $13,985,667 | 3,586 |
| Average total loans | $68,827,000 | 3,638 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6065% | 4,108 |
| Cost of funding earning assets | 0.2588% | 2,059 |
| Net interest margin | 2.3477% | 4,154 |
| Noninterest income to average assets | 0.4490% | 2,396 |
| Noninterest expense to average assets | 2.3164% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2888% | 4,169 |
| Return on assets (ROA) | 0.2888% | 4,142 |
| Pretax return on assets | 0.3117% | 4,170 |
| Return on Equity (ROE) | 2.8384% | 4,133 |
| Retained earnings to average equity (ytd only) | 2.8384% | 3,322 |
| Net charge-offs to loans | -0.0119% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1393% | 630 |
| Assets per employee ($millions) | 3.6801% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,425 |
| Loan loss allowance to noncurrent loans | 35.0338% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0619% | 460 |
| Noncurrent loans to loans | 1.9345% | 384 |
| Net loans and leases to total assets | 48.9402% | 3,287 |
| Net loans and leases to deposits | 54.5652% | 3,372 |
| Net loans and leases to core deposits | 57.6949% | 3,321 |
| Total domestic deposits to total assets | 89.6914% | 1,721 |
| Equity capital to assets | 9.8967% | 1,975 |
| Core capital (leverage) ratio | 10.4786% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,873,500 | 3,619 |
| Average earning assets | $129,828,500 | 3,610 |
| Average equity | $14,233,500 | 3,628 |
| Average total loans | $67,288,500 | 3,672 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8344% | 4,153 |
| Cost of funding earning assets | 0.4070% | 1,501 |
| Net interest margin | 2.4274% | 4,285 |
| Noninterest income to average assets | 0.6427% | 1,979 |
| Noninterest expense to average assets | 2.4507% | 2,333 |
| Loan and lease loss provision to assets | 0.1021% | 1,229 |
| Net operating income to assets | 0.3040% | 4,419 |
| Return on assets (ROA) | 0.3040% | 4,441 |
| Pretax return on assets | 0.3357% | 4,453 |
| Return on Equity (ROE) | 2.7380% | 4,406 |
| Retained earnings to average equity (ytd only) | 2.5882% | 3,800 |
| Net charge-offs to loans | 0.7717% | 93 |
| Credit loss provision to net charge-offs | 27.2177% | 2,248 |
| Earnings coverage of net charge-offs (x) | 1.1673% | 2,626 |
| Efficiency ratio | 84.8429% | 528 |
| Assets per employee ($millions) | 3.2536% | 4,646 |
| Cash dividends to net income (ytd only)* | 5.4726% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 4,404 |
| Loan loss allowance to noncurrent loans | 31.3765% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 431 |
| Noncurrent loans to loans | 2.2567% | 321 |
| Net loans and leases to total assets | 46.6073% | 3,645 |
| Net loans and leases to deposits | 52.3352% | 3,718 |
| Net loans and leases to core deposits | 55.0681% | 3,686 |
| Total domestic deposits to total assets | 89.0553% | 1,486 |
| Equity capital to assets | 10.4551% | 2,216 |
| Core capital (leverage) ratio | 10.3769% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,248,000 | 3,654 |
| Average earning assets | $122,352,000 | 3,658 |
| Average equity | $14,682,000 | 3,671 |
| Average total loans | $64,273,000 | 3,758 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8829% | 4,194 |
| Cost of funding earning assets | 0.4458% | 1,383 |
| Net interest margin | 2.4371% | 4,358 |
| Noninterest income to average assets | 0.6598% | 1,972 |
| Noninterest expense to average assets | 2.4807% | 2,179 |
| Loan and lease loss provision to assets | 0.1281% | 909 |
| Net operating income to assets | 0.2578% | 4,570 |
| Return on assets (ROA) | 0.2578% | 4,592 |
| Pretax return on assets | 0.3048% | 4,584 |
| Return on Equity (ROE) | 2.2863% | 4,554 |
| Retained earnings to average equity (ytd only) | 2.2863% | 4,113 |
| Net charge-offs to loans | 1.0345% | 60 |
| Credit loss provision to net charge-offs | 25.2016% | 1,971 |
| Earnings coverage of net charge-offs (x) | 0.8528% | 2,393 |
| Efficiency ratio | 85.1475% | 466 |
| Assets per employee ($millions) | 3.9010% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,513 |
| Loan loss allowance to noncurrent loans | 29.6031% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 486 |
| Noncurrent loans to loans | 2.3490% | 337 |
| Net loans and leases to total assets | 46.2677% | 3,769 |
| Net loans and leases to deposits | 52.1694% | 3,871 |
| Net loans and leases to core deposits | 54.8103% | 3,862 |
| Total domestic deposits to total assets | 88.6873% | 1,467 |
| Equity capital to assets | 10.4611% | 2,478 |
| Core capital (leverage) ratio | 10.7707% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,334,250 | 3,709 |
| Average earning assets | $120,525,000 | 3,716 |
| Average equity | $14,695,750 | 3,716 |
| Average total loans | $63,923,750 | 3,815 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0038% | 4,038 |
| Cost of funding earning assets | 0.5023% | 1,187 |
| Net interest margin | 2.5015% | 4,303 |
| Noninterest income to average assets | 0.7104% | 1,768 |
| Noninterest expense to average assets | 2.5424% | 2,021 |
| Loan and lease loss provision to assets | 0.1418% | 857 |
| Net operating income to assets | 0.2631% | 4,568 |
| Return on assets (ROA) | 0.2631% | 4,584 |
| Pretax return on assets | 0.3324% | 4,555 |
| Return on Equity (ROE) | 2.2725% | 4,569 |
| Retained earnings to average equity (ytd only) | 2.2725% | 4,053 |
| Net charge-offs to loans | 1.5862% | 42 |
| Credit loss provision to net charge-offs | 17.8926% | 1,742 |
| Earnings coverage of net charge-offs (x) | 0.5984% | 2,186 |
| Efficiency ratio | 84.2820% | 534 |
| Assets per employee ($millions) | 3.6092% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 4,596 |
| Loan loss allowance to noncurrent loans | 30.7922% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1752% | 596 |
| Noncurrent loans to loans | 2.1343% | 433 |
| Net loans and leases to total assets | 47.9316% | 3,731 |
| Net loans and leases to deposits | 54.6255% | 3,817 |
| Net loans and leases to core deposits | 57.8126% | 3,768 |
| Total domestic deposits to total assets | 87.7458% | 1,961 |
| Equity capital to assets | 11.3345% | 1,740 |
| Core capital (leverage) ratio | 11.1405% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,967,333 | 3,763 |
| Average earning assets | $117,052,000 | 3,771 |
| Average equity | $14,697,333 | 3,718 |
| Average total loans | $63,421,333 | 3,842 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0923% | 3,900 |
| Cost of funding earning assets | 0.5528% | 1,082 |
| Net interest margin | 2.5395% | 4,244 |
| Noninterest income to average assets | 0.7523% | 1,701 |
| Noninterest expense to average assets | 2.5469% | 2,035 |
| Loan and lease loss provision to assets | 0.1434% | 925 |
| Net operating income to assets | 0.3379% | 4,466 |
| Return on assets (ROA) | 0.3379% | 4,501 |
| Pretax return on assets | 0.4048% | 4,478 |
| Return on Equity (ROE) | 2.8878% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.8878% | 3,813 |
| Net charge-offs to loans | 3.2420% | 17 |
| Credit loss provision to net charge-offs | 8.7041% | 1,453 |
| Earnings coverage of net charge-offs (x) | 0.3327% | 1,886 |
| Efficiency ratio | 82.2863% | 689 |
| Assets per employee ($millions) | 3.5550% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5597% | 4,729 |
| Loan loss allowance to noncurrent loans | 26.2806% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 621 |
| Noncurrent loans to loans | 2.1298% | 480 |
| Net loans and leases to total assets | 49.1401% | 3,701 |
| Net loans and leases to deposits | 56.0852% | 3,783 |
| Net loans and leases to core deposits | 59.3117% | 3,754 |
| Total domestic deposits to total assets | 87.6169% | 2,037 |
| Equity capital to assets | 11.4251% | 1,592 |
| Core capital (leverage) ratio | 11.5172% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,485,500 | 3,796 |
| Average earning assets | $115,773,000 | 3,785 |
| Average equity | $14,682,500 | 3,720 |
| Average total loans | $63,787,000 | 3,850 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 3,379 |
| Cost of funding earning assets | 0.7640% | 1,375 |
| Net interest margin | 3.0095% | 3,862 |
| Noninterest income to average assets | 0.7901% | 1,559 |
| Noninterest expense to average assets | 2.7027% | 2,231 |
| Loan and lease loss provision to assets | 0.1288% | 2,750 |
| Net operating income to assets | 0.5745% | 3,832 |
| Return on assets (ROA) | 0.5745% | 3,938 |
| Pretax return on assets | 0.7257% | 3,824 |
| Return on Equity (ROE) | 4.6483% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.4051% | 2,590 |
| Net charge-offs to loans | 0.0448% | 2,170 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 1,529 |
| Efficiency ratio | 75.9778% | 1,230 |
| Assets per employee ($millions) | 3.1536% | 4,773 |
| Cash dividends to net income (ytd only)* | 5.2317% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,493 |
| Loan loss allowance to noncurrent loans | 36.8421% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9172% | 304 |
| Noncurrent loans to loans | 3.4852% | 201 |
| Net loans and leases to total assets | 51.6335% | 3,693 |
| Net loans and leases to deposits | 59.3462% | 3,808 |
| Net loans and leases to core deposits | 62.3114% | 3,816 |
| Total domestic deposits to total assets | 87.0038% | 1,948 |
| Equity capital to assets | 11.9872% | 1,572 |
| Core capital (leverage) ratio | 11.6772% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,439,400 | 3,790 |
| Average earning assets | $107,062,400 | 3,811 |
| Average equity | $14,392,400 | 3,708 |
| Average total loans | $66,992,600 | 3,796 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,160 |
| Cost of funding earning assets | 0.8001% | 1,496 |
| Net interest margin | 3.1321% | 3,665 |
| Noninterest income to average assets | 0.7921% | 1,528 |
| Noninterest expense to average assets | 2.7386% | 2,148 |
| Loan and lease loss provision to assets | 0.0697% | 3,457 |
| Net operating income to assets | 0.6794% | 3,522 |
| Return on assets (ROA) | 0.6794% | 3,634 |
| Pretax return on assets | 0.8618% | 3,486 |
| Return on Equity (ROE) | 5.4526% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.4526% | 2,348 |
| Net charge-offs to loans | 0.0729% | 1,581 |
| Credit loss provision to net charge-offs | 162.1622% | 2,254 |
| Earnings coverage of net charge-offs (x) | 21.6757% | 1,854 |
| Efficiency ratio | 74.6203% | 1,348 |
| Assets per employee ($millions) | 3.1073% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,332 |
| Loan loss allowance to noncurrent loans | 32.2995% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 346 |
| Noncurrent loans to loans | 3.3290% | 257 |
| Net loans and leases to total assets | 55.3451% | 3,678 |
| Net loans and leases to deposits | 63.8482% | 3,802 |
| Net loans and leases to core deposits | 66.8354% | 3,837 |
| Total domestic deposits to total assets | 86.6823% | 1,783 |
| Equity capital to assets | 12.1550% | 1,600 |
| Core capital (leverage) ratio | 12.5607% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,801,750 | 3,807 |
| Average earning assets | $105,486,750 | 3,831 |
| Average equity | $14,304,750 | 3,724 |
| Average total loans | $67,658,250 | 3,796 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,001 |
| Cost of funding earning assets | 0.8342% | 1,657 |
| Net interest margin | 3.2846% | 3,421 |
| Noninterest income to average assets | 0.7260% | 1,651 |
| Noninterest expense to average assets | 2.8028% | 2,092 |
| Loan and lease loss provision to assets | 0.0266% | 3,920 |
| Net operating income to assets | 0.7153% | 3,339 |
| Return on assets (ROA) | 0.7153% | 3,453 |
| Pretax return on assets | 0.9088% | 3,292 |
| Return on Equity (ROE) | 5.6909% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.6909% | 2,198 |
| Net charge-offs to loans | 0.0976% | 1,294 |
| Credit loss provision to net charge-offs | 45.4545% | 2,643 |
| Earnings coverage of net charge-offs (x) | 15.9697% | 1,881 |
| Efficiency ratio | 74.9763% | 1,371 |
| Assets per employee ($millions) | 3.0190% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,528 |
| Loan loss allowance to noncurrent loans | 29.3766% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.0554% | 336 |
| Noncurrent loans to loans | 3.4339% | 237 |
| Net loans and leases to total assets | 57.3416% | 3,572 |
| Net loans and leases to deposits | 66.4881% | 3,678 |
| Net loans and leases to core deposits | 69.0574% | 3,779 |
| Total domestic deposits to total assets | 86.2434% | 1,915 |
| Equity capital to assets | 12.3892% | 1,432 |
| Core capital (leverage) ratio | 13.0018% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,674,000 | 3,823 |
| Average earning assets | $103,331,000 | 3,851 |
| Average equity | $14,163,000 | 3,744 |
| Average total loans | $67,611,333 | 3,798 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 3,597 |
| Cost of funding earning assets | 0.8628% | 2,045 |
| Net interest margin | 3.2098% | 3,828 |
| Noninterest income to average assets | 0.6319% | 1,893 |
| Noninterest expense to average assets | 2.7964% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6210% | 3,536 |
| Return on assets (ROA) | 0.6210% | 3,594 |
| Pretax return on assets | 0.7808% | 3,462 |
| Return on Equity (ROE) | 4.9029% | 3,666 |
| Retained earnings to average equity (ytd only) | 4.9029% | 2,321 |
| Net charge-offs to loans | 0.1842% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 6.9355% | 1,957 |
| Efficiency ratio | 78.1726% | 1,313 |
| Assets per employee ($millions) | 2.8536% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,718 |
| Loan loss allowance to noncurrent loans | 27.9387% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.2410% | 333 |
| Noncurrent loans to loans | 3.5797% | 256 |
| Net loans and leases to total assets | 60.0386% | 3,487 |
| Net loans and leases to deposits | 69.8550% | 3,606 |
| Net loans and leases to core deposits | 72.5775% | 3,725 |
| Total domestic deposits to total assets | 85.9475% | 2,021 |
| Equity capital to assets | 12.6885% | 1,630 |
| Core capital (leverage) ratio | 13.7222% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,141,000 | 3,844 |
| Average earning assets | $101,065,000 | 3,865 |
| Average equity | $13,951,000 | 3,775 |
| Average total loans | $67,316,000 | 3,815 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 3,479 |
| Cost of funding earning assets | 0.8448% | 2,459 |
| Net interest margin | 3.4771% | 3,514 |
| Noninterest income to average assets | 0.6405% | 2,041 |
| Noninterest expense to average assets | 2.8754% | 2,368 |
| Loan and lease loss provision to assets | 0.0137% | 3,737 |
| Net operating income to assets | 0.7560% | 3,686 |
| Return on assets (ROA) | 0.7560% | 3,762 |
| Pretax return on assets | 0.9456% | 3,618 |
| Return on Equity (ROE) | 6.1632% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.8419% | 1,951 |
| Net charge-offs to loans | 0.0378% | 2,633 |
| Credit loss provision to net charge-offs | 60.0000% | 3,033 |
| Earnings coverage of net charge-offs (x) | 41.8800% | 1,274 |
| Efficiency ratio | 74.9821% | 1,490 |
| Assets per employee ($millions) | 2.7947% | 4,908 |
| Cash dividends to net income (ytd only)* | 5.2121% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,209 |
| Loan loss allowance to noncurrent loans | 46.6007% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 702 |
| Noncurrent loans to loans | 2.2565% | 537 |
| Net loans and leases to total assets | 60.9531% | 3,508 |
| Net loans and leases to deposits | 70.9303% | 3,596 |
| Net loans and leases to core deposits | 73.4979% | 3,760 |
| Total domestic deposits to total assets | 85.9338% | 2,092 |
| Equity capital to assets | 12.6440% | 1,740 |
| Core capital (leverage) ratio | 13.1473% | 1,176 |
| Tier 1 risk-based capital ratio | 18.9483% | 1,525 |
| Total risk-based capital ratio | 19.9312% | 1,558 |
| Memoranda: | ||
| Average total assets | $109,133,600 | 3,843 |
| Average earning assets | $100,256,800 | 3,866 |
| Average equity | $13,386,000 | 3,847 |
| Average total loans | $66,108,800 | 3,858 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 3,510 |
| Cost of funding earning assets | 0.8356% | 2,534 |
| Net interest margin | 3.5150% | 3,524 |
| Noninterest income to average assets | 0.6436% | 2,018 |
| Noninterest expense to average assets | 2.8725% | 2,337 |
| Loan and lease loss provision to assets | 0.0085% | 3,719 |
| Net operating income to assets | 0.7829% | 3,727 |
| Return on assets (ROA) | 0.7829% | 3,797 |
| Pretax return on assets | 0.9942% | 3,612 |
| Return on Equity (ROE) | 6.4321% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.4321% | 2,150 |
| Net charge-offs to loans | 0.0506% | 2,106 |
| Credit loss provision to net charge-offs | 28.0000% | 2,924 |
| Earnings coverage of net charge-offs (x) | 32.8425% | 1,543 |
| Efficiency ratio | 74.1254% | 1,547 |
| Assets per employee ($millions) | 2.7982% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,379 |
| Loan loss allowance to noncurrent loans | 63.1674% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0840% | 1,210 |
| Noncurrent loans to loans | 1.6358% | 896 |
| Net loans and leases to total assets | 61.2620% | 3,568 |
| Net loans and leases to deposits | 70.5531% | 3,730 |
| Net loans and leases to core deposits | 73.3418% | 3,868 |
| Total domestic deposits to total assets | 86.8311% | 1,603 |
| Equity capital to assets | 12.5651% | 1,862 |
| Core capital (leverage) ratio | 12.9083% | 1,379 |
| Tier 1 risk-based capital ratio | 19.8652% | 1,380 |
| Total risk-based capital ratio | 20.8947% | 1,396 |
| Memoranda: | ||
| Average total assets | $109,169,000 | 3,884 |
| Average earning assets | $100,366,250 | 3,903 |
| Average equity | $13,287,250 | 3,891 |
| Average total loans | $65,851,000 | 3,907 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 3,604 |
| Cost of funding earning assets | 0.8244% | 2,528 |
| Net interest margin | 3.4871% | 3,639 |
| Noninterest income to average assets | 0.6320% | 2,014 |
| Noninterest expense to average assets | 2.8081% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8097% | 3,618 |
| Return on assets (ROA) | 0.8097% | 3,676 |
| Pretax return on assets | 1.0240% | 3,462 |
| Return on Equity (ROE) | 6.7246% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.7246% | 1,936 |
| Net charge-offs to loans | 0.0827% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.7037% | 1,762 |
| Efficiency ratio | 73.2792% | 1,734 |
| Assets per employee ($millions) | 2.7965% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,368 |
| Loan loss allowance to noncurrent loans | 59.4991% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1672% | 1,155 |
| Noncurrent loans to loans | 1.7554% | 860 |
| Net loans and leases to total assets | 59.8533% | 3,746 |
| Net loans and leases to deposits | 68.6988% | 3,926 |
| Net loans and leases to core deposits | 71.9764% | 4,004 |
| Total domestic deposits to total assets | 87.1242% | 1,537 |
| Equity capital to assets | 12.3724% | 1,926 |
| Core capital (leverage) ratio | 12.5449% | 1,512 |
| Tier 1 risk-based capital ratio | 19.7016% | 1,403 |
| Total risk-based capital ratio | 20.7245% | 1,415 |
| Memoranda: | ||
| Average total assets | $109,182,670 | 3,911 |
| Average earning assets | $100,199,000 | 3,926 |
| Average equity | $13,145,670 | 3,914 |
| Average total loans | $65,284,000 | 3,945 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 3,722 |
| Cost of funding earning assets | 0.8011% | 2,532 |
| Net interest margin | 3.4446% | 3,763 |
| Noninterest income to average assets | 0.5859% | 2,115 |
| Noninterest expense to average assets | 2.7865% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7506% | 3,769 |
| Return on assets (ROA) | 0.7506% | 3,817 |
| Pretax return on assets | 0.9484% | 3,614 |
| Return on Equity (ROE) | 6.3216% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.3216% | 2,309 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6078% | 1,663 |
| Assets per employee ($millions) | 2.8828% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,111 |
| Loan loss allowance to noncurrent loans | 105.1395% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,174 |
| Noncurrent loans to loans | 1.0486% | 1,590 |
| Net loans and leases to total assets | 57.1271% | 3,978 |
| Net loans and leases to deposits | 64.9601% | 4,127 |
| Net loans and leases to core deposits | 68.3066% | 4,164 |
| Total domestic deposits to total assets | 87.9418% | 1,365 |
| Equity capital to assets | 11.6908% | 2,240 |
| Core capital (leverage) ratio | 12.2650% | 1,623 |
| Tier 1 risk-based capital ratio | 19.5491% | 1,430 |
| Total risk-based capital ratio | 20.6231% | 1,441 |
| Memoranda: | ||
| Average total assets | $109,241,500 | 3,947 |
| Average earning assets | $99,866,000 | 3,971 |
| Average equity | $12,971,500 | 3,952 |
| Average total loans | $64,942,000 | 3,990 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 4,230 |
| Cost of funding earning assets | 0.7294% | 1,908 |
| Net interest margin | 3.1924% | 4,501 |
| Noninterest income to average assets | 0.5504% | 2,542 |
| Noninterest expense to average assets | 2.7471% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6037% | 4,409 |
| Return on assets (ROA) | 0.6037% | 4,415 |
| Pretax return on assets | 0.7404% | 4,311 |
| Return on Equity (ROE) | 5.1747% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.9180% | 2,815 |
| Net charge-offs to loans | 0.1041% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 12.3594% | 2,537 |
| Efficiency ratio | 78.7708% | 1,059 |
| Assets per employee ($millions) | 2.7193% | 5,131 |
| Cash dividends to net income (ytd only)* | 4.9612% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,084 |
| Loan loss allowance to noncurrent loans | 78.3370% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,550 |
| Noncurrent loans to loans | 1.4075% | 1,106 |
| Net loans and leases to total assets | 60.5584% | 3,708 |
| Net loans and leases to deposits | 69.1227% | 3,890 |
| Net loans and leases to core deposits | 72.6072% | 3,950 |
| Total domestic deposits to total assets | 87.6100% | 1,482 |
| Equity capital to assets | 12.0685% | 1,848 |
| Core capital (leverage) ratio | 12.4863% | 1,462 |
| Tier 1 risk-based capital ratio | 19.2330% | 1,468 |
| Total risk-based capital ratio | 20.3065% | 1,470 |
| Memoranda: | ||
| Average total assets | $106,841,000 | 3,990 |
| Average earning assets | $98,295,000 | 3,997 |
| Average equity | $12,464,400 | 3,965 |
| Average total loans | $61,477,400 | 4,060 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 4,333 |
| Cost of funding earning assets | 0.7068% | 1,811 |
| Net interest margin | 3.1367% | 4,640 |
| Noninterest income to average assets | 0.5568% | 2,536 |
| Noninterest expense to average assets | 2.7429% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5705% | 4,588 |
| Return on assets (ROA) | 0.5705% | 4,588 |
| Pretax return on assets | 0.7050% | 4,524 |
| Return on Equity (ROE) | 4.9323% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.9323% | 3,273 |
| Net charge-offs to loans | 0.1474% | 1,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.4479% | 2,707 |
| Efficiency ratio | 79.5520% | 987 |
| Assets per employee ($millions) | 2.6822% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,843 |
| Loan loss allowance to noncurrent loans | 111.2324% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 1,809 |
| Noncurrent loans to loans | 1.0432% | 1,638 |
| Net loans and leases to total assets | 58.0594% | 4,034 |
| Net loans and leases to deposits | 66.2576% | 4,182 |
| Net loans and leases to core deposits | 69.6815% | 4,214 |
| Total domestic deposits to total assets | 87.6268% | 1,430 |
| Equity capital to assets | 11.9832% | 1,916 |
| Core capital (leverage) ratio | 11.9033% | 1,839 |
| Tier 1 risk-based capital ratio | 19.9021% | 1,355 |
| Total risk-based capital ratio | 21.0205% | 1,350 |
| Memoranda: | ||
| Average total assets | $107,038,000 | 4,025 |
| Average earning assets | $98,659,000 | 4,035 |
| Average equity | $12,380,750 | 4,005 |
| Average total loans | $60,611,750 | 4,119 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 4,391 |
| Cost of funding earning assets | 0.6759% | 1,768 |
| Net interest margin | 3.1041% | 4,721 |
| Noninterest income to average assets | 0.5304% | 2,682 |
| Noninterest expense to average assets | 2.6945% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5656% | 4,600 |
| Return on assets (ROA) | 0.5656% | 4,600 |
| Pretax return on assets | 0.6973% | 4,521 |
| Return on Equity (ROE) | 4.9476% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.9476% | 3,103 |
| Net charge-offs to loans | 0.1856% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,601 |
| Efficiency ratio | 79.4423% | 1,077 |
| Assets per employee ($millions) | 2.7294% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,803 |
| Loan loss allowance to noncurrent loans | 141.1306% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 1,981 |
| Noncurrent loans to loans | 0.8409% | 2,042 |
| Net loans and leases to total assets | 56.6306% | 4,111 |
| Net loans and leases to deposits | 64.3498% | 4,264 |
| Net loans and leases to core deposits | 68.9911% | 4,202 |
| Total domestic deposits to total assets | 88.0042% | 1,379 |
| Equity capital to assets | 11.6444% | 2,094 |
| Core capital (leverage) ratio | 11.6586% | 1,935 |
| Tier 1 risk-based capital ratio | 19.6720% | 1,384 |
| Total risk-based capital ratio | 20.8083% | 1,380 |
| Memoranda: | ||
| Average total assets | $107,849,000 | 4,051 |
| Average earning assets | $99,416,000 | 4,060 |
| Average equity | $12,329,330 | 4,033 |
| Average total loans | $60,333,670 | 4,160 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 4,562 |
| Cost of funding earning assets | 0.6340% | 1,817 |
| Net interest margin | 3.0305% | 4,832 |
| Noninterest income to average assets | 0.4754% | 2,967 |
| Noninterest expense to average assets | 2.6789% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4901% | 4,719 |
| Return on assets (ROA) | 0.4901% | 4,727 |
| Pretax return on assets | 0.5970% | 4,691 |
| Return on Equity (ROE) | 4.3264% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.3264% | 3,456 |
| Net charge-offs to loans | -0.0267% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7773% | 971 |
| Assets per employee ($millions) | 2.7941% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 2,242 |
| Loan loss allowance to noncurrent loans | 93.8922% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 1,614 |
| Noncurrent loans to loans | 1.3854% | 1,287 |
| Net loans and leases to total assets | 54.5908% | 4,235 |
| Net loans and leases to deposits | 61.7995% | 4,353 |
| Net loans and leases to core deposits | 65.9611% | 4,306 |
| Total domestic deposits to total assets | 88.3352% | 1,441 |
| Equity capital to assets | 11.2849% | 2,317 |
| Core capital (leverage) ratio | 11.5369% | 1,981 |
| Tier 1 risk-based capital ratio | 21.0603% | 1,197 |
| Total risk-based capital ratio | 22.3108% | 1,169 |
| Memoranda: | ||
| Average total assets | $108,550,500 | 4,091 |
| Average earning assets | $100,314,500 | 4,094 |
| Average equity | $12,296,500 | 4,075 |
| Average total loans | $59,998,000 | 4,196 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 4,422 |
| Cost of funding earning assets | 0.6348% | 1,389 |
| Net interest margin | 3.0289% | 4,824 |
| Noninterest income to average assets | 0.5718% | 2,598 |
| Noninterest expense to average assets | 2.6655% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5495% | 4,223 |
| Return on assets (ROA) | 0.5495% | 4,253 |
| Pretax return on assets | 0.7060% | 4,494 |
| Return on Equity (ROE) | 4.8865% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.6546% | 2,353 |
| Net charge-offs to loans | 0.0531% | 2,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 23.6875% | 1,794 |
| Efficiency ratio | 79.0608% | 1,215 |
| Assets per employee ($millions) | 2.5746% | 5,428 |
| Cash dividends to net income (ytd only)* | 4.7458% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,186 |
| Loan loss allowance to noncurrent loans | 110.7955% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 1,677 |
| Noncurrent loans to loans | 1.1787% | 1,506 |
| Net loans and leases to total assets | 54.5121% | 4,313 |
| Net loans and leases to deposits | 61.7594% | 4,474 |
| Net loans and leases to core deposits | 65.9458% | 4,417 |
| Total domestic deposits to total assets | 88.2653% | 1,365 |
| Equity capital to assets | 11.3713% | 2,307 |
| Core capital (leverage) ratio | 11.2763% | 2,109 |
| Tier 1 risk-based capital ratio | 21.3382% | 1,087 |
| Total risk-based capital ratio | 22.5892% | 1,068 |
| Memoranda: | ||
| Average total assets | $107,372,400 | 4,110 |
| Average earning assets | $99,244,600 | 4,112 |
| Average equity | $12,074,000 | 4,124 |
| Average total loans | $60,316,400 | 4,199 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,412 |
| Cost of funding earning assets | 0.6270% | 1,370 |
| Net interest margin | 3.0380% | 4,833 |
| Noninterest income to average assets | 0.5983% | 2,498 |
| Noninterest expense to average assets | 2.6335% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5461% | 4,590 |
| Return on assets (ROA) | 0.5461% | 4,621 |
| Pretax return on assets | 0.7737% | 4,421 |
| Return on Equity (ROE) | 4.8702% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.8702% | 2,973 |
| Net charge-offs to loans | 0.0529% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.9159% | 1,707 |
| Efficiency ratio | 77.2910% | 1,425 |
| Assets per employee ($millions) | 2.7388% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,404 |
| Loan loss allowance to noncurrent loans | 122.7414% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 1,936 |
| Noncurrent loans to loans | 1.0519% | 1,838 |
| Net loans and leases to total assets | 56.4038% | 4,198 |
| Net loans and leases to deposits | 64.1563% | 4,370 |
| Net loans and leases to core deposits | 69.1847% | 4,296 |
| Total domestic deposits to total assets | 87.9162% | 1,414 |
| Equity capital to assets | 11.4790% | 2,401 |
| Core capital (leverage) ratio | 11.3952% | 2,103 |
| Tier 1 risk-based capital ratio | 20.9681% | 1,200 |
| Total risk-based capital ratio | 22.2189% | 1,173 |
| Memoranda: | ||
| Average total assets | $107,182,500 | 4,154 |
| Average earning assets | $99,096,750 | 4,156 |
| Average equity | $12,018,500 | 4,176 |
| Average total loans | $60,464,250 | 4,232 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 4,367 |
| Cost of funding earning assets | 0.6270% | 1,292 |
| Net interest margin | 3.0220% | 4,858 |
| Noninterest income to average assets | 0.5759% | 2,577 |
| Noninterest expense to average assets | 2.6187% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5293% | 4,617 |
| Return on assets (ROA) | 0.5293% | 4,646 |
| Pretax return on assets | 0.7511% | 4,429 |
| Return on Equity (ROE) | 4.7580% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.7580% | 2,881 |
| Net charge-offs to loans | 0.0664% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 20.1500% | 1,807 |
| Efficiency ratio | 77.7102% | 1,505 |
| Assets per employee ($millions) | 2.5254% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,437 |
| Loan loss allowance to noncurrent loans | 92.6316% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 1,693 |
| Noncurrent loans to loans | 1.3978% | 1,377 |
| Net loans and leases to total assets | 56.9235% | 4,129 |
| Net loans and leases to deposits | 64.6310% | 4,332 |
| Net loans and leases to core deposits | 70.4039% | 4,200 |
| Total domestic deposits to total assets | 88.0745% | 1,420 |
| Equity capital to assets | 11.4022% | 2,409 |
| Core capital (leverage) ratio | 11.0729% | 2,338 |
| Tier 1 risk-based capital ratio | 20.1141% | 1,348 |
| Total risk-based capital ratio | 21.3647% | 1,314 |
| Memoranda: | ||
| Average total assets | $107,306,000 | 4,178 |
| Average earning assets | $99,206,670 | 4,174 |
| Average equity | $11,937,670 | 4,199 |
| Average total loans | $60,274,330 | 4,258 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6073% | 4,402 |
| Cost of funding earning assets | 0.6213% | 1,235 |
| Net interest margin | 2.9861% | 4,917 |
| Noninterest income to average assets | 0.5374% | 2,723 |
| Noninterest expense to average assets | 2.7575% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5003% | 4,594 |
| Return on assets (ROA) | 0.5003% | 4,621 |
| Pretax return on assets | 0.5411% | 4,863 |
| Return on Equity (ROE) | 4.5533% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.5533% | 3,151 |
| Net charge-offs to loans | -0.0134% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5955% | 1,008 |
| Assets per employee ($millions) | 2.9116% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,257 |
| Loan loss allowance to noncurrent loans | 113.0556% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 2,014 |
| Noncurrent loans to loans | 1.2037% | 1,679 |
| Net loans and leases to total assets | 54.7685% | 4,273 |
| Net loans and leases to deposits | 61.9043% | 4,443 |
| Net loans and leases to core deposits | 67.6012% | 4,320 |
| Total domestic deposits to total assets | 88.4728% | 1,440 |
| Equity capital to assets | 11.0844% | 2,551 |
| Core capital (leverage) ratio | 10.9751% | 2,379 |
| Tier 1 risk-based capital ratio | 20.7240% | 1,260 |
| Total risk-based capital ratio | 21.9746% | 1,238 |
| Memoranda: | ||
| Average total assets | $107,925,500 | 4,206 |
| Average earning assets | $99,797,000 | 4,204 |
| Average equity | $11,859,500 | 4,236 |
| Average total loans | $59,827,000 | 4,307 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 4,749 |
| Cost of funding earning assets | 0.5966% | 1,360 |
| Net interest margin | 2.9168% | 5,106 |
| Noninterest income to average assets | 0.5118% | 3,160 |
| Noninterest expense to average assets | 2.6520% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4198% | 4,877 |
| Return on assets (ROA) | 0.4198% | 4,959 |
| Pretax return on assets | 0.5492% | 4,925 |
| Return on Equity (ROE) | 3.9275% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.6889% | 3,285 |
| Net charge-offs to loans | 0.1741% | 1,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.0909% | 3,233 |
| Efficiency ratio | 82.8450% | 1,107 |
| Assets per employee ($millions) | 2.9222% | 5,410 |
| Cash dividends to net income (ytd only)* | 6.0738% | 4,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,273 |
| Loan loss allowance to noncurrent loans | 118.3673% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 2,139 |
| Noncurrent loans to loans | 1.1464% | 1,787 |
| Net loans and leases to total assets | 54.5925% | 4,385 |
| Net loans and leases to deposits | 61.5140% | 4,577 |
| Net loans and leases to core deposits | 67.2596% | 4,449 |
| Total domestic deposits to total assets | 88.7480% | 1,237 |
| Equity capital to assets | 10.8931% | 2,720 |
| Core capital (leverage) ratio | 10.3984% | 2,992 |
| Tier 1 risk-based capital ratio | 20.2093% | 1,341 |
| Total risk-based capital ratio | 21.4601% | 1,317 |
| Memoranda: | ||
| Average total assets | $109,805,800 | 4,168 |
| Average earning assets | $101,241,200 | 4,183 |
| Average equity | $11,737,800 | 4,289 |
| Average total loans | $56,849,400 | 4,382 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,805 |
| Cost of funding earning assets | 0.5894% | 1,413 |
| Net interest margin | 2.9089% | 5,174 |
| Noninterest income to average assets | 0.5346% | 3,016 |
| Noninterest expense to average assets | 2.6708% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4064% | 5,001 |
| Return on assets (ROA) | 0.4064% | 5,095 |
| Pretax return on assets | 0.5443% | 5,023 |
| Return on Equity (ROE) | 3.8199% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.8199% | 3,591 |
| Net charge-offs to loans | 0.2258% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.7370% | 3,230 |
| Efficiency ratio | 83.0700% | 1,066 |
| Assets per employee ($millions) | 3.2175% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 2,173 |
| Loan loss allowance to noncurrent loans | 136.6834% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 2,126 |
| Noncurrent loans to loans | 1.0284% | 2,192 |
| Net loans and leases to total assets | 48.0789% | 4,954 |
| Net loans and leases to deposits | 53.7664% | 5,124 |
| Net loans and leases to core deposits | 58.2393% | 5,040 |
| Total domestic deposits to total assets | 89.4219% | 716 |
| Equity capital to assets | 10.0144% | 4,116 |
| Core capital (leverage) ratio | 10.5506% | 2,937 |
| Tier 1 risk-based capital ratio | 20.5020% | 1,352 |
| Total risk-based capital ratio | 21.7533% | 1,321 |
| Memoranda: | ||
| Average total assets | $110,226,500 | 4,190 |
| Average earning assets | $101,571,250 | 4,202 |
| Average equity | $11,727,750 | 4,333 |
| Average total loans | $56,102,000 | 4,438 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 4,513 |
| Cost of funding earning assets | 0.5987% | 1,321 |
| Net interest margin | 3.0299% | 5,017 |
| Noninterest income to average assets | 0.4903% | 3,264 |
| Noninterest expense to average assets | 2.6732% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4418% | 4,895 |
| Return on assets (ROA) | 0.4418% | 4,983 |
| Pretax return on assets | 0.6003% | 4,883 |
| Return on Equity (ROE) | 4.0641% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.0641% | 3,319 |
| Net charge-offs to loans | 0.3535% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 3,134 |
| Efficiency ratio | 81.6629% | 1,311 |
| Assets per employee ($millions) | 2.7836% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 2,158 |
| Loan loss allowance to noncurrent loans | 102.1357% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 1,397 |
| Noncurrent loans to loans | 1.4006% | 1,596 |
| Net loans and leases to total assets | 52.9595% | 4,592 |
| Net loans and leases to deposits | 60.0412% | 4,793 |
| Net loans and leases to core deposits | 65.7878% | 4,620 |
| Total domestic deposits to total assets | 88.2054% | 1,318 |
| Equity capital to assets | 11.1953% | 2,851 |
| Core capital (leverage) ratio | 10.5782% | 2,876 |
| Tier 1 risk-based capital ratio | 20.7216% | 1,305 |
| Total risk-based capital ratio | 21.9737% | 1,287 |
| Memoranda: | ||
| Average total assets | $107,286,000 | 4,281 |
| Average earning assets | $98,551,670 | 4,296 |
| Average equity | $11,663,000 | 4,373 |
| Average total loans | $55,451,670 | 4,490 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 4,449 |
| Cost of funding earning assets | 0.5927% | 1,381 |
| Net interest margin | 3.0681% | 4,951 |
| Noninterest income to average assets | 0.3999% | 3,834 |
| Noninterest expense to average assets | 2.5768% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4665% | 4,754 |
| Return on assets (ROA) | 0.4665% | 4,844 |
| Pretax return on assets | 0.6405% | 4,702 |
| Return on Equity (ROE) | 4.3548% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.3548% | 3,300 |
| Net charge-offs to loans | 0.3579% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.5306% | 2,531 |
| Efficiency ratio | 80.0921% | 1,595 |
| Assets per employee ($millions) | 2.9060% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 1,683 |
| Loan loss allowance to noncurrent loans | 195.4649% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 2,217 |
| Noncurrent loans to loans | 0.8078% | 2,822 |
| Net loans and leases to total assets | 49.9698% | 4,807 |
| Net loans and leases to deposits | 56.7115% | 4,940 |
| Net loans and leases to core deposits | 62.6716% | 4,774 |
| Total domestic deposits to total assets | 88.1123% | 1,584 |
| Equity capital to assets | 10.8860% | 3,060 |
| Core capital (leverage) ratio | 10.5627% | 2,896 |
| Tier 1 risk-based capital ratio | 21.1779% | 1,283 |
| Total risk-based capital ratio | 22.4308% | 1,256 |
| Memoranda: | ||
| Average total assets | $108,040,500 | 4,301 |
| Average earning assets | $99,214,000 | 4,316 |
| Average equity | $11,573,500 | 4,405 |
| Average total loans | $54,761,500 | 4,533 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 4,703 |
| Cost of funding earning assets | 0.5971% | 1,378 |
| Net interest margin | 2.9927% | 5,156 |
| Noninterest income to average assets | 0.4437% | 3,721 |
| Noninterest expense to average assets | 2.6716% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4125% | 5,011 |
| Return on assets (ROA) | 0.4125% | 5,096 |
| Pretax return on assets | 0.5301% | 5,041 |
| Return on Equity (ROE) | 3.9272% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.6823% | 3,431 |
| Net charge-offs to loans | 0.0650% | 2,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.9706% | 2,100 |
| Efficiency ratio | 83.4433% | 1,229 |
| Assets per employee ($millions) | 2.9340% | 5,581 |
| Cash dividends to net income (ytd only)* | 6.2361% | 4,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,450 |
| Loan loss allowance to noncurrent loans | 180.5941% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 2,167 |
| Noncurrent loans to loans | 0.9193% | 2,501 |
| Net loans and leases to total assets | 49.7614% | 4,891 |
| Net loans and leases to deposits | 57.6109% | 4,938 |
| Net loans and leases to core deposits | 64.3708% | 4,717 |
| Total domestic deposits to total assets | 86.3750% | 2,446 |
| Equity capital to assets | 10.5400% | 3,313 |
| Core capital (leverage) ratio | 10.2266% | 3,229 |
| Tier 1 risk-based capital ratio | 20.4684% | 1,393 |
| Total risk-based capital ratio | 21.7223% | 1,368 |
| Memoranda: | ||
| Average total assets | $108,849,200 | 4,281 |
| Average earning assets | $100,312,400 | 4,278 |
| Average equity | $11,433,000 | 4,398 |
| Average total loans | $52,291,600 | 4,603 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 4,833 |
| Cost of funding earning assets | 0.5960% | 1,432 |
| Net interest margin | 2.9693% | 5,271 |
| Noninterest income to average assets | 0.4603% | 3,632 |
| Noninterest expense to average assets | 2.6563% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4076% | 5,139 |
| Return on assets (ROA) | 0.4076% | 5,231 |
| Pretax return on assets | 0.5423% | 5,121 |
| Return on Equity (ROE) | 3.8842% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.8842% | 3,708 |
| Net charge-offs to loans | 0.0284% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.2624% | 1,240 |
| Efficiency ratio | 83.0463% | 1,265 |
| Assets per employee ($millions) | 2.9572% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 1,328 |
| Loan loss allowance to noncurrent loans | 196.6316% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 2,465 |
| Noncurrent loans to loans | 0.8982% | 2,726 |
| Net loans and leases to total assets | 47.4784% | 5,120 |
| Net loans and leases to deposits | 55.0938% | 5,181 |
| Net loans and leases to core deposits | 61.7001% | 4,961 |
| Total domestic deposits to total assets | 86.1775% | 2,453 |
| Equity capital to assets | 10.5661% | 3,525 |
| Core capital (leverage) ratio | 10.1365% | 3,457 |
| Tier 1 risk-based capital ratio | 21.3439% | 1,286 |
| Total risk-based capital ratio | 22.6004% | 1,268 |
| Memoranda: | ||
| Average total assets | $108,922,000 | 4,324 |
| Average earning assets | $100,448,250 | 4,319 |
| Average equity | $11,430,750 | 4,450 |
| Average total loans | $51,631,500 | 4,671 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,855 |
| Cost of funding earning assets | 0.5965% | 1,440 |
| Net interest margin | 2.9548% | 5,327 |
| Noninterest income to average assets | 0.4432% | 3,758 |
| Noninterest expense to average assets | 2.6334% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4009% | 5,129 |
| Return on assets (ROA) | 0.4009% | 5,238 |
| Pretax return on assets | 0.5333% | 5,141 |
| Return on Equity (ROE) | 3.8288% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.8288% | 3,568 |
| Net charge-offs to loans | 0.0430% | 2,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.3636% | 1,485 |
| Efficiency ratio | 83.1591% | 1,346 |
| Assets per employee ($millions) | 2.9256% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8037% | 1,360 |
| Loan loss allowance to noncurrent loans | 169.2029% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 2,461 |
| Noncurrent loans to loans | 1.0660% | 2,513 |
| Net loans and leases to total assets | 45.7386% | 5,273 |
| Net loans and leases to deposits | 51.4869% | 5,420 |
| Net loans and leases to core deposits | 57.9661% | 5,196 |
| Total domestic deposits to total assets | 88.8354% | 1,228 |
| Equity capital to assets | 10.2354% | 3,769 |
| Core capital (leverage) ratio | 9.9028% | 3,735 |
| Tier 1 risk-based capital ratio | 20.9725% | 1,369 |
| Total risk-based capital ratio | 22.2275% | 1,337 |
| Memoranda: | ||
| Average total assets | $108,757,330 | 4,363 |
| Average earning assets | $100,244,330 | 4,364 |
| Average equity | $11,387,330 | 4,488 |
| Average total loans | $51,214,330 | 4,718 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,726 |
| Cost of funding earning assets | 0.5946% | 1,470 |
| Net interest margin | 2.9932% | 5,234 |
| Noninterest income to average assets | 0.4537% | 3,614 |
| Noninterest expense to average assets | 2.6741% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3980% | 5,074 |
| Return on assets (ROA) | 0.3980% | 5,188 |
| Pretax return on assets | 0.5318% | 5,094 |
| Return on Equity (ROE) | 3.7572% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.7572% | 3,750 |
| Net charge-offs to loans | 0.0079% | 3,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 370 |
| Efficiency ratio | 83.4107% | 1,442 |
| Assets per employee ($millions) | 2.9862% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 1,379 |
| Loan loss allowance to noncurrent loans | 203.8877% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 2,777 |
| Noncurrent loans to loans | 0.9113% | 2,962 |
| Net loans and leases to total assets | 46.3829% | 5,177 |
| Net loans and leases to deposits | 52.3282% | 5,313 |
| Net loans and leases to core deposits | 59.4825% | 5,037 |
| Total domestic deposits to total assets | 88.6385% | 1,480 |
| Equity capital to assets | 10.6471% | 3,377 |
| Core capital (leverage) ratio | 10.6563% | 2,787 |
| Tier 1 risk-based capital ratio | 21.4006% | 1,347 |
| Total risk-based capital ratio | 22.6572% | 1,320 |
| Memoranda: | ||
| Average total assets | $107,549,500 | 4,424 |
| Average earning assets | $98,889,500 | 4,436 |
| Average equity | $11,391,500 | 4,525 |
| Average total loans | $50,930,000 | 4,762 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 4,635 |
| Cost of funding earning assets | 0.6216% | 1,597 |
| Net interest margin | 3.1314% | 5,125 |
| Noninterest income to average assets | 0.5301% | 3,295 |
| Noninterest expense to average assets | 2.5872% | 4,266 |
| Loan and lease loss provision to assets | 0.0905% | 2,658 |
| Net operating income to assets | 0.5436% | 4,625 |
| Return on assets (ROA) | 0.5482% | 4,694 |
| Pretax return on assets | 0.7481% | 4,450 |
| Return on Equity (ROE) | 5.5009% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.2467% | 2,433 |
| Net charge-offs to loans | 0.1080% | 2,970 |
| Credit loss provision to net charge-offs | 181.8182% | 1,336 |
| Earnings coverage of net charge-offs (x) | 16.7273% | 1,989 |
| Efficiency ratio | 75.6614% | 2,565 |
| Assets per employee ($millions) | 2.9888% | 5,713 |
| Cash dividends to net income (ytd only)* | 4.6205% | 4,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 1,422 |
| Loan loss allowance to noncurrent loans | 165.7895% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2203% | 2,332 |
| Noncurrent loans to loans | 1.1165% | 2,604 |
| Net loans and leases to total assets | 46.5705% | 5,279 |
| Net loans and leases to deposits | 52.4444% | 5,451 |
| Net loans and leases to core deposits | 59.5673% | 5,169 |
| Total domestic deposits to total assets | 88.7998% | 1,355 |
| Equity capital to assets | 10.5366% | 3,430 |
| Core capital (leverage) ratio | 9.8515% | 3,770 |
| Tier 1 risk-based capital ratio | 21.1853% | 1,363 |
| Total risk-based capital ratio | 22.4438% | 1,335 |
| Memoranda: | ||
| Average total assets | $110,543,800 | 4,372 |
| Average earning assets | $102,000,000 | 4,357 |
| Average equity | $11,016,400 | 4,558 |
| Average total loans | $50,916,600 | 4,786 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 4,728 |
| Cost of funding earning assets | 0.6261% | 1,631 |
| Net interest margin | 3.1173% | 5,206 |
| Noninterest income to average assets | 0.5164% | 3,434 |
| Noninterest expense to average assets | 2.5748% | 4,271 |
| Loan and lease loss provision to assets | 0.1078% | 2,239 |
| Net operating income to assets | 0.5032% | 4,863 |
| Return on assets (ROA) | 0.5032% | 4,927 |
| Pretax return on assets | 0.7153% | 4,656 |
| Return on Equity (ROE) | 5.1205% | 4,667 |
| Retained earnings to average equity (ytd only) | 5.1205% | 3,005 |
| Net charge-offs to loans | 0.0839% | 3,004 |
| Credit loss provision to net charge-offs | 281.2500% | 954 |
| Earnings coverage of net charge-offs (x) | 21.4666% | 1,676 |
| Efficiency ratio | 75.7757% | 2,532 |
| Assets per employee ($millions) | 2.9696% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8761% | 1,513 |
| Loan loss allowance to noncurrent loans | 183.1740% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 2,321 |
| Noncurrent loans to loans | 1.0242% | 3,023 |
| Net loans and leases to total assets | 46.8687% | 5,303 |
| Net loans and leases to deposits | 52.8339% | 5,474 |
| Net loans and leases to core deposits | 59.8533% | 5,200 |
| Total domestic deposits to total assets | 88.7096% | 1,395 |
| Equity capital to assets | 10.4083% | 3,676 |
| Core capital (leverage) ratio | 9.7469% | 4,002 |
| Tier 1 risk-based capital ratio | 20.7622% | 1,501 |
| Total risk-based capital ratio | 22.0195% | 1,469 |
| Memoranda: | ||
| Average total assets | $111,280,750 | 4,396 |
| Average earning assets | $102,863,000 | 4,369 |
| Average equity | $10,936,250 | 4,609 |
| Average total loans | $50,882,500 | 4,837 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,672 |
| Cost of funding earning assets | 0.6266% | 1,670 |
| Net interest margin | 3.1291% | 5,163 |
| Noninterest income to average assets | 0.4701% | 3,712 |
| Noninterest expense to average assets | 2.5581% | 4,389 |
| Loan and lease loss provision to assets | 0.1064% | 2,242 |
| Net operating income to assets | 0.4737% | 4,920 |
| Return on assets (ROA) | 0.4737% | 4,990 |
| Pretax return on assets | 0.7025% | 4,631 |
| Return on Equity (ROE) | 4.9114% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.9114% | 3,018 |
| Net charge-offs to loans | 0.1535% | 2,160 |
| Credit loss provision to net charge-offs | 153.8462% | 1,435 |
| Earnings coverage of net charge-offs (x) | 11.6923% | 2,132 |
| Efficiency ratio | 75.9747% | 2,639 |
| Assets per employee ($millions) | 3.2235% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 1,750 |
| Loan loss allowance to noncurrent loans | 188.7295% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 2,697 |
| Noncurrent loans to loans | 0.9712% | 3,294 |
| Net loans and leases to total assets | 42.5051% | 5,645 |
| Net loans and leases to deposits | 47.3600% | 5,805 |
| Net loans and leases to core deposits | 53.0217% | 5,613 |
| Total domestic deposits to total assets | 89.7488% | 934 |
| Equity capital to assets | 9.5368% | 4,707 |
| Core capital (leverage) ratio | 9.5263% | 4,291 |
| Tier 1 risk-based capital ratio | 20.7487% | 1,499 |
| Total risk-based capital ratio | 22.0059% | 1,480 |
| Memoranda: | ||
| Average total assets | $112,739,330 | 4,393 |
| Average earning assets | $104,376,670 | 4,356 |
| Average equity | $10,872,670 | 4,642 |
| Average total loans | $50,822,330 | 4,867 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,403 |
| Cost of funding earning assets | 0.6346% | 1,694 |
| Net interest margin | 3.1848% | 4,973 |
| Noninterest income to average assets | 0.4753% | 3,599 |
| Noninterest expense to average assets | 2.6394% | 4,150 |
| Loan and lease loss provision to assets | 0.1080% | 2,132 |
| Net operating income to assets | 0.4753% | 4,808 |
| Return on assets (ROA) | 0.4753% | 4,887 |
| Pretax return on assets | 0.6733% | 4,580 |
| Return on Equity (ROE) | 4.9000% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.9000% | 3,172 |
| Net charge-offs to loans | 0.0157% | 3,278 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 428 |
| Efficiency ratio | 77.1579% | 2,623 |
| Assets per employee ($millions) | 2.9809% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 1,993 |
| Loan loss allowance to noncurrent loans | 140.1813% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2684% | 2,743 |
| Noncurrent loans to loans | 1.2938% | 2,865 |
| Net loans and leases to total assets | 45.5492% | 5,381 |
| Net loans and leases to deposits | 51.1719% | 5,507 |
| Net loans and leases to core deposits | 57.8139% | 5,215 |
| Total domestic deposits to total assets | 89.0121% | 1,654 |
| Equity capital to assets | 9.8872% | 3,974 |
| Core capital (leverage) ratio | 9.2264% | 4,681 |
| Tier 1 risk-based capital ratio | 20.2411% | 1,662 |
| Total risk-based capital ratio | 21.4620% | 1,635 |
| Memoranda: | ||
| Average total assets | $111,086,500 | 4,467 |
| Average earning assets | $102,737,500 | 4,432 |
| Average equity | $10,775,500 | 4,672 |
| Average total loans | $51,110,500 | 4,894 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 4,712 |
| Cost of funding earning assets | 0.6974% | 1,837 |
| Net interest margin | 3.1284% | 5,233 |
| Noninterest income to average assets | 0.5503% | 3,403 |
| Noninterest expense to average assets | 2.5223% | 4,697 |
| Loan and lease loss provision to assets | 0.1778% | 2,080 |
| Net operating income to assets | 0.5468% | 4,519 |
| Return on assets (ROA) | 0.5468% | 4,650 |
| Pretax return on assets | 0.7895% | 4,185 |
| Return on Equity (ROE) | 5.8037% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.5395% | 2,251 |
| Net charge-offs to loans | 0.1038% | 3,789 |
| Credit loss provision to net charge-offs | 370.3704% | 621 |
| Earnings coverage of net charge-offs (x) | 20.1481% | 1,566 |
| Efficiency ratio | 72.2803% | 3,423 |
| Assets per employee ($millions) | 3.1078% | 5,658 |
| Cash dividends to net income (ytd only)* | 4.5528% | 4,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7628% | 2,177 |
| Loan loss allowance to noncurrent loans | 105.3864% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 2,468 |
| Noncurrent loans to loans | 1.6727% | 2,400 |
| Net loans and leases to total assets | 44.8297% | 5,599 |
| Net loans and leases to deposits | 50.4187% | 5,740 |
| Net loans and leases to core deposits | 56.0541% | 5,532 |
| Total domestic deposits to total assets | 88.9148% | 1,686 |
| Equity capital to assets | 9.5156% | 4,408 |
| Core capital (leverage) ratio | 8.8434% | 5,221 |
| Tier 1 risk-based capital ratio | 19.8138% | 1,695 |
| Total risk-based capital ratio | 21.0692% | 1,663 |
| Memoranda: | ||
| Average total assets | $112,476,200 | 4,447 |
| Average earning assets | $105,675,800 | 4,371 |
| Average equity | $10,596,600 | 4,723 |
| Average total loans | $52,008,000 | 4,892 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,934 |
| Cost of funding earning assets | 0.7036% | 1,927 |
| Net interest margin | 3.0757% | 5,386 |
| Noninterest income to average assets | 0.5268% | 3,614 |
| Noninterest expense to average assets | 2.5109% | 4,683 |
| Loan and lease loss provision to assets | 0.2013% | 1,803 |
| Net operating income to assets | 0.5008% | 4,788 |
| Return on assets (ROA) | 0.5008% | 4,953 |
| Pretax return on assets | 0.7127% | 4,648 |
| Return on Equity (ROE) | 5.3286% | 4,549 |
| Retained earnings to average equity (ytd only) | 5.3286% | 2,854 |
| Net charge-offs to loans | 0.1965% | 2,663 |
| Credit loss provision to net charge-offs | 220.7792% | 1,105 |
| Earnings coverage of net charge-offs (x) | 10.0264% | 2,404 |
| Efficiency ratio | 73.3149% | 3,171 |
| Assets per employee ($millions) | 3.1452% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 2,857 |
| Loan loss allowance to noncurrent loans | 146.4594% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.2541% | 3,130 |
| Noncurrent loans to loans | 1.1177% | 3,566 |
| Net loans and leases to total assets | 45.0008% | 5,629 |
| Net loans and leases to deposits | 50.0703% | 5,835 |
| Net loans and leases to core deposits | 55.8420% | 5,639 |
| Total domestic deposits to total assets | 89.8752% | 1,072 |
| Equity capital to assets | 9.2875% | 4,819 |
| Core capital (leverage) ratio | 8.7148% | 5,512 |
| Tier 1 risk-based capital ratio | 20.6018% | 1,579 |
| Total risk-based capital ratio | 21.8580% | 1,555 |
| Memoranda: | ||
| Average total assets | $112,625,500 | 4,495 |
| Average earning assets | $106,120,250 | 4,402 |
| Average equity | $10,584,250 | 4,775 |
| Average total loans | $52,246,250 | 4,914 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 4,743 |
| Cost of funding earning assets | 0.7131% | 1,976 |
| Net interest margin | 3.1126% | 5,239 |
| Noninterest income to average assets | 0.5355% | 3,602 |
| Noninterest expense to average assets | 2.4959% | 4,749 |
| Loan and lease loss provision to assets | 0.2135% | 1,771 |
| Net operating income to assets | 0.5230% | 4,703 |
| Return on assets (ROA) | 0.5230% | 4,867 |
| Pretax return on assets | 0.7614% | 4,462 |
| Return on Equity (ROE) | 5.5435% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.5435% | 2,709 |
| Net charge-offs to loans | 0.2138% | 2,484 |
| Credit loss provision to net charge-offs | 214.2857% | 1,128 |
| Earnings coverage of net charge-offs (x) | 9.7857% | 2,239 |
| Efficiency ratio | 71.9118% | 3,489 |
| Assets per employee ($millions) | 3.0508% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 3,241 |
| Loan loss allowance to noncurrent loans | 131.9355% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1826% | 3,388 |
| Noncurrent loans to loans | 1.1938% | 3,562 |
| Net loans and leases to total assets | 44.0930% | 5,734 |
| Net loans and leases to deposits | 48.9247% | 5,925 |
| Net loans and leases to core deposits | 54.6987% | 5,696 |
| Total domestic deposits to total assets | 90.1242% | 961 |
| Equity capital to assets | 9.0581% | 5,160 |
| Core capital (leverage) ratio | 8.8034% | 5,283 |
| Tier 1 risk-based capital ratio | 20.4263% | 1,622 |
| Total risk-based capital ratio | 21.6819% | 1,597 |
| Memoranda: | ||
| Average total assets | $112,425,000 | 4,524 |
| Average earning assets | $106,019,670 | 4,433 |
| Average equity | $10,607,000 | 4,807 |
| Average total loans | $52,394,670 | 4,934 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 4,292 |
| Cost of funding earning assets | 0.7283% | 2,002 |
| Net interest margin | 3.2237% | 4,832 |
| Noninterest income to average assets | 0.5530% | 3,417 |
| Noninterest expense to average assets | 2.5155% | 4,699 |
| Loan and lease loss provision to assets | 0.2169% | 1,710 |
| Net operating income to assets | 0.5964% | 4,237 |
| Return on assets (ROA) | 0.5964% | 4,386 |
| Pretax return on assets | 0.8602% | 3,913 |
| Return on Equity (ROE) | 6.1914% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.1914% | 2,575 |
| Net charge-offs to loans | -0.0988% | 6,439 |
| Credit loss provision to net charge-offs | -461.5385% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0201% | 3,968 |
| Assets per employee ($millions) | 3.0968% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,410 |
| Loan loss allowance to noncurrent loans | 145.8554% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 3,597 |
| Noncurrent loans to loans | 1.0954% | 3,949 |
| Net loans and leases to total assets | 45.6877% | 5,468 |
| Net loans and leases to deposits | 51.2116% | 5,690 |
| Net loans and leases to core deposits | 57.2337% | 5,416 |
| Total domestic deposits to total assets | 89.2136% | 1,545 |
| Equity capital to assets | 9.6732% | 4,604 |
| Core capital (leverage) ratio | 8.8485% | 5,122 |
| Tier 1 risk-based capital ratio | 20.4243% | 1,668 |
| Total risk-based capital ratio | 21.6793% | 1,643 |
| Memoranda: | ||
| Average total assets | $110,672,500 | 4,602 |
| Average earning assets | $104,353,500 | 4,507 |
| Average equity | $10,660,000 | 4,846 |
| Average total loans | $52,624,500 | 4,961 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 4,611 |
| Cost of funding earning assets | 0.8555% | 2,258 |
| Net interest margin | 3.3393% | 5,107 |
| Noninterest income to average assets | 0.4417% | 4,306 |
| Noninterest expense to average assets | 2.4759% | 5,173 |
| Loan and lease loss provision to assets | 0.2008% | 3,128 |
| Net operating income to assets | 0.6060% | 4,211 |
| Return on assets (ROA) | 0.6060% | 4,476 |
| Pretax return on assets | 0.8925% | 3,946 |
| Return on Equity (ROE) | 6.3893% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.1199% | 2,005 |
| Net charge-offs to loans | -0.0636% | 6,745 |
| Credit loss provision to net charge-offs | -666.6667% | 6,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3684% | 3,917 |
| Assets per employee ($millions) | 2.8911% | 6,170 |
| Cash dividends to net income (ytd only)* | 4.2169% | 4,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,128 |
| Loan loss allowance to noncurrent loans | 169.8198% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 3,731 |
| Noncurrent loans to loans | 0.8301% | 4,533 |
| Net loans and leases to total assets | 48.0002% | 5,418 |
| Net loans and leases to deposits | 55.8800% | 5,456 |
| Net loans and leases to core deposits | 61.4057% | 5,219 |
| Total domestic deposits to total assets | 85.8987% | 3,402 |
| Equity capital to assets | 9.5902% | 4,763 |
| Core capital (leverage) ratio | 8.5136% | 5,586 |
| Tier 1 risk-based capital ratio | 19.4721% | 1,821 |
| Total risk-based capital ratio | 20.7260% | 1,790 |
| Memoranda: | ||
| Average total assets | $109,577,600 | 4,601 |
| Average earning assets | $102,625,200 | 4,527 |
| Average equity | $10,392,400 | 4,892 |
| Average total loans | $51,893,400 | 5,022 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 4,687 |
| Cost of funding earning assets | 0.9053% | 2,137 |
| Net interest margin | 3.3308% | 5,276 |
| Noninterest income to average assets | 0.4615% | 4,203 |
| Noninterest expense to average assets | 2.4473% | 5,248 |
| Loan and lease loss provision to assets | 0.2192% | 2,863 |
| Net operating income to assets | 0.6222% | 4,285 |
| Return on assets (ROA) | 0.6222% | 4,540 |
| Pretax return on assets | 0.9083% | 4,070 |
| Return on Equity (ROE) | 6.5787% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.5787% | 2,341 |
| Net charge-offs to loans | -0.0958% | 6,843 |
| Credit loss provision to net charge-offs | -486.4865% | 6,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4605% | 3,964 |
| Assets per employee ($millions) | 3.0060% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 4,520 |
| Loan loss allowance to noncurrent loans | 140.5088% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 3,972 |
| Noncurrent loans to loans | 0.9715% | 4,496 |
| Net loans and leases to total assets | 45.4183% | 5,828 |
| Net loans and leases to deposits | 50.8977% | 6,048 |
| Net loans and leases to core deposits | 57.1454% | 5,796 |
| Total domestic deposits to total assets | 89.2346% | 1,292 |
| Equity capital to assets | 9.4347% | 5,282 |
| Core capital (leverage) ratio | 8.4182% | 5,878 |
| Tier 1 risk-based capital ratio | 18.9664% | 2,020 |
| Total risk-based capital ratio | 20.2374% | 1,984 |
| Memoranda: | ||
| Average total assets | $109,506,500 | 4,651 |
| Average earning assets | $102,355,500 | 4,589 |
| Average equity | $10,356,500 | 4,953 |
| Average total loans | $51,494,750 | 5,100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 4,454 |
| Cost of funding earning assets | 0.9160% | 2,288 |
| Net interest margin | 3.4140% | 5,029 |
| Noninterest income to average assets | 0.4818% | 4,044 |
| Noninterest expense to average assets | 2.4626% | 5,255 |
| Loan and lease loss provision to assets | 0.2224% | 2,859 |
| Net operating income to assets | 0.6689% | 4,021 |
| Return on assets (ROA) | 0.6689% | 4,281 |
| Pretax return on assets | 0.9876% | 3,751 |
| Return on Equity (ROE) | 7.0671% | 3,746 |
| Retained earnings to average equity (ytd only) | 7.0671% | 2,066 |
| Net charge-offs to loans | -0.1369% | 6,924 |
| Credit loss provision to net charge-offs | -342.8571% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0535% | 4,313 |
| Assets per employee ($millions) | 2.8953% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 5,154 |
| Loan loss allowance to noncurrent loans | 84.9741% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5215% | 3,423 |
| Noncurrent loans to loans | 1.4614% | 3,712 |
| Net loans and leases to total assets | 47.4178% | 5,672 |
| Net loans and leases to deposits | 53.1295% | 5,945 |
| Net loans and leases to core deposits | 58.8328% | 5,709 |
| Total domestic deposits to total assets | 89.2494% | 1,358 |
| Equity capital to assets | 9.5045% | 5,052 |
| Core capital (leverage) ratio | 8.5987% | 5,522 |
| Tier 1 risk-based capital ratio | 18.7800% | 2,035 |
| Total risk-based capital ratio | 20.0502% | 2,003 |
| Memoranda: | ||
| Average total assets | $107,933,000 | 4,719 |
| Average earning assets | $100,878,670 | 4,646 |
| Average equity | $10,216,330 | 4,979 |
| Average total loans | $51,127,000 | 5,143 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 4,185 |
| Cost of funding earning assets | 0.9385% | 2,388 |
| Net interest margin | 3.4956% | 4,725 |
| Noninterest income to average assets | 0.5277% | 3,711 |
| Noninterest expense to average assets | 2.4923% | 5,173 |
| Loan and lease loss provision to assets | 0.2245% | 2,702 |
| Net operating income to assets | 0.7634% | 3,551 |
| Return on assets (ROA) | 0.7634% | 3,787 |
| Pretax return on assets | 1.1002% | 3,321 |
| Return on Equity (ROE) | 8.0824% | 3,249 |
| Retained earnings to average equity (ytd only) | 8.0824% | 1,955 |
| Net charge-offs to loans | -0.1432% | 6,909 |
| Credit loss provision to net charge-offs | -333.3333% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2941% | 4,684 |
| Assets per employee ($millions) | 2.9833% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,700 |
| Loan loss allowance to noncurrent loans | 86.8066% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 3,674 |
| Noncurrent loans to loans | 1.3283% | 4,121 |
| Net loans and leases to total assets | 46.2146% | 5,759 |
| Net loans and leases to deposits | 51.8030% | 5,991 |
| Net loans and leases to core deposits | 55.7497% | 5,927 |
| Total domestic deposits to total assets | 89.2122% | 1,549 |
| Equity capital to assets | 9.5159% | 4,782 |
| Core capital (leverage) ratio | 8.6680% | 5,356 |
| Tier 1 risk-based capital ratio | 18.9795% | 1,989 |
| Total risk-based capital ratio | 20.1735% | 1,975 |
| Memoranda: | ||
| Average total assets | $106,888,500 | 4,773 |
| Average earning assets | $100,582,500 | 4,688 |
| Average equity | $10,096,000 | 5,018 |
| Average total loans | $50,277,500 | 5,217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 4,834 |
| Cost of funding earning assets | 1.0719% | 2,864 |
| Net interest margin | 3.4883% | 5,191 |
| Noninterest income to average assets | 0.5704% | 3,363 |
| Noninterest expense to average assets | 2.5807% | 5,167 |
| Loan and lease loss provision to assets | 0.3864% | 2,674 |
| Net operating income to assets | 0.6159% | 3,914 |
| Return on assets (ROA) | 0.6159% | 4,107 |
| Pretax return on assets | 0.8618% | 3,733 |
| Return on Equity (ROE) | 6.7266% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.4410% | 1,779 |
| Net charge-offs to loans | 0.5932% | 2,670 |
| Credit loss provision to net charge-offs | 139.5105% | 2,119 |
| Earnings coverage of net charge-offs (x) | 4.5070% | 3,089 |
| Efficiency ratio | 67.4001% | 4,488 |
| Assets per employee ($millions) | 2.8751% | 6,328 |
| Cash dividends to net income (ytd only)* | 4.2453% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,258 |
| Loan loss allowance to noncurrent loans | 55.0055% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 3,622 |
| Noncurrent loans to loans | 1.8056% | 3,458 |
| Net loans and leases to total assets | 46.8537% | 5,933 |
| Net loans and leases to deposits | 52.3699% | 6,178 |
| Net loans and leases to core deposits | 56.6766% | 6,108 |
| Total domestic deposits to total assets | 89.4668% | 1,285 |
| Equity capital to assets | 9.3741% | 5,053 |
| Core capital (leverage) ratio | 8.2589% | 5,912 |
| Tier 1 risk-based capital ratio | 18.4181% | 2,073 |
| Total risk-based capital ratio | 19.4432% | 2,104 |
| Memoranda: | ||
| Average total assets | $103,266,600 | 4,811 |
| Average earning assets | $96,466,200 | 4,732 |
| Average equity | $9,455,000 | 5,166 |
| Average total loans | $48,216,600 | 5,336 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 4,919 |
| Cost of funding earning assets | 1.0938% | 3,022 |
| Net interest margin | 3.4924% | 5,222 |
| Noninterest income to average assets | 0.5373% | 3,601 |
| Noninterest expense to average assets | 2.6097% | 5,038 |
| Loan and lease loss provision to assets | 0.4371% | 2,293 |
| Net operating income to assets | 0.5386% | 4,369 |
| Return on assets (ROA) | 0.5386% | 4,559 |
| Pretax return on assets | 0.7428% | 4,339 |
| Return on Equity (ROE) | 5.9190% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.9190% | 2,602 |
| Net charge-offs to loans | 0.7661% | 2,032 |
| Credit loss provision to net charge-offs | 122.6277% | 2,633 |
| Earnings coverage of net charge-offs (x) | 3.3102% | 3,484 |
| Efficiency ratio | 68.8637% | 4,143 |
| Assets per employee ($millions) | 2.8781% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 6,474 |
| Loan loss allowance to noncurrent loans | 65.5022% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.5335% | 3,796 |
| Noncurrent loans to loans | 1.4398% | 4,132 |
| Net loans and leases to total assets | 44.3862% | 6,298 |
| Net loans and leases to deposits | 49.6909% | 6,520 |
| Net loans and leases to core deposits | 53.4357% | 6,489 |
| Total domestic deposits to total assets | 89.3246% | 1,238 |
| Equity capital to assets | 9.1616% | 5,569 |
| Core capital (leverage) ratio | 8.3923% | 5,869 |
| Tier 1 risk-based capital ratio | 18.5804% | 2,070 |
| Total risk-based capital ratio | 19.5322% | 2,119 |
| Memoranda: | ||
| Average total assets | $102,488,750 | 4,854 |
| Average earning assets | $95,443,250 | 4,806 |
| Average equity | $9,325,750 | 5,228 |
| Average total loans | $47,685,250 | 5,397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 4,836 |
| Cost of funding earning assets | 1.1140% | 3,136 |
| Net interest margin | 3.5181% | 5,077 |
| Noninterest income to average assets | 0.4706% | 4,102 |
| Noninterest expense to average assets | 2.6217% | 5,109 |
| Loan and lease loss provision to assets | 0.5457% | 1,780 |
| Net operating income to assets | 0.4567% | 4,689 |
| Return on assets (ROA) | 0.4567% | 4,822 |
| Pretax return on assets | 0.5813% | 4,802 |
| Return on Equity (ROE) | 5.0314% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.0314% | 2,989 |
| Net charge-offs to loans | 1.1033% | 1,428 |
| Credit loss provision to net charge-offs | 104.9430% | 2,940 |
| Earnings coverage of net charge-offs (x) | 2.1673% | 3,761 |
| Efficiency ratio | 69.9367% | 4,134 |
| Assets per employee ($millions) | 3.4248% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 6,761 |
| Loan loss allowance to noncurrent loans | 48.4885% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.8191% | 3,482 |
| Noncurrent loans to loans | 1.7622% | 3,805 |
| Net loans and leases to total assets | 45.2869% | 6,326 |
| Net loans and leases to deposits | 50.6752% | 6,555 |
| Net loans and leases to core deposits | 55.2521% | 6,480 |
| Total domestic deposits to total assets | 89.3669% | 1,320 |
| Equity capital to assets | 9.2082% | 5,270 |
| Core capital (leverage) ratio | 8.3233% | 5,827 |
| Tier 1 risk-based capital ratio | 18.1667% | 2,116 |
| Total risk-based capital ratio | 19.0129% | 2,209 |
| Memoranda: | ||
| Average total assets | $101,155,670 | 4,930 |
| Average earning assets | $94,254,670 | 4,874 |
| Average equity | $9,182,330 | 5,275 |
| Average total loans | $47,675,000 | 5,451 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 4,903 |
| Cost of funding earning assets | 1.1343% | 3,271 |
| Net interest margin | 3.4754% | 5,118 |
| Noninterest income to average assets | 0.4902% | 3,967 |
| Noninterest expense to average assets | 2.6106% | 5,180 |
| Loan and lease loss provision to assets | 0.8609% | 952 |
| Net operating income to assets | 0.3348% | 5,250 |
| Return on assets (ROA) | 0.3348% | 5,329 |
| Pretax return on assets | 0.2670% | 5,758 |
| Return on Equity (ROE) | 3.7156% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.7156% | 3,944 |
| Net charge-offs to loans | 2.1895% | 560 |
| Credit loss provision to net charge-offs | 82.1293% | 3,118 |
| Earnings coverage of net charge-offs (x) | 1.0760% | 3,859 |
| Efficiency ratio | 69.8294% | 4,309 |
| Assets per employee ($millions) | 3.0958% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 7,048 |
| Loan loss allowance to noncurrent loans | 47.7654% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 1.6699% | 3,745 |
| Noncurrent loans to loans | 1.5134% | 4,206 |
| Net loans and leases to total assets | 45.9749% | 6,290 |
| Net loans and leases to deposits | 51.1617% | 6,538 |
| Net loans and leases to core deposits | 56.1670% | 6,401 |
| Total domestic deposits to total assets | 89.8620% | 1,235 |
| Equity capital to assets | 8.8753% | 5,386 |
| Core capital (leverage) ratio | 8.4800% | 5,492 |
| Tier 1 risk-based capital ratio | 16.9236% | 2,509 |
| Total risk-based capital ratio | 17.6075% | 2,695 |
| Memoranda: | ||
| Average total assets | $100,361,000 | 4,996 |
| Average earning assets | $93,802,000 | 4,919 |
| Average equity | $9,043,000 | 5,312 |
| Average total loans | $48,047,000 | 5,481 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 4,741 |
| Cost of funding earning assets | 1.5409% | 2,402 |
| Net interest margin | 3.4197% | 5,550 |
| Noninterest income to average assets | 0.4829% | 4,300 |
| Noninterest expense to average assets | 2.6518% | 5,204 |
| Loan and lease loss provision to assets | 0.3695% | 3,910 |
| Net operating income to assets | 0.4090% | 4,500 |
| Return on assets (ROA) | 0.4090% | 4,633 |
| Pretax return on assets | 0.6536% | 4,150 |
| Return on Equity (ROE) | 4.4200% | 4,333 |
| Retained earnings to average equity (ytd only) | 4.1163% | 2,969 |
| Net charge-offs to loans | 0.7873% | 2,671 |
| Credit loss provision to net charge-offs | 90.7928% | 5,095 |
| Earnings coverage of net charge-offs (x) | 2.5141% | 3,856 |
| Efficiency ratio | 72.1609% | 3,763 |
| Assets per employee ($millions) | 2.9867% | 6,128 |
| Cash dividends to net income (ytd only)* | 6.8702% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 6,971 |
| Loan loss allowance to noncurrent loans | 36.9070% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 3,378 |
| Noncurrent loans to loans | 2.1605% | 3,356 |
| Net loans and leases to total assets | 49.1011% | 6,264 |
| Net loans and leases to deposits | 54.7827% | 6,540 |
| Net loans and leases to core deposits | 58.6322% | 6,503 |
| Total domestic deposits to total assets | 89.6289% | 1,305 |
| Equity capital to assets | 9.1506% | 4,916 |
| Core capital (leverage) ratio | 8.6071% | 5,187 |
| Tier 1 risk-based capital ratio | 16.7603% | 2,439 |
| Total risk-based capital ratio | 17.5385% | 2,578 |
| Memoranda: | ||
| Average total assets | $96,087,000 | 5,100 |
| Average earning assets | $89,685,400 | 5,027 |
| Average equity | $8,891,400 | 5,449 |
| Average total loans | $49,661,000 | 5,497 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9760% | 4,923 |
| Cost of funding earning assets | 1.6197% | 2,279 |
| Net interest margin | 3.3563% | 5,820 |
| Noninterest income to average assets | 0.4902% | 4,266 |
| Noninterest expense to average assets | 2.5655% | 5,446 |
| Loan and lease loss provision to assets | 0.2598% | 4,509 |
| Net operating income to assets | 0.5251% | 4,202 |
| Return on assets (ROA) | 0.5251% | 4,378 |
| Pretax return on assets | 0.7961% | 3,923 |
| Return on Equity (ROE) | 5.6586% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.6586% | 2,561 |
| Net charge-offs to loans | 0.8260% | 2,385 |
| Credit loss provision to net charge-offs | 60.1942% | 5,686 |
| Earnings coverage of net charge-offs (x) | 2.4466% | 3,947 |
| Efficiency ratio | 70.8446% | 3,913 |
| Assets per employee ($millions) | 2.8399% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6199% | 7,324 |
| Loan loss allowance to noncurrent loans | 33.6313% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 4,011 |
| Noncurrent loans to loans | 1.8433% | 3,872 |
| Net loans and leases to total assets | 49.9741% | 6,328 |
| Net loans and leases to deposits | 56.0682% | 6,613 |
| Net loans and leases to core deposits | 60.1281% | 6,587 |
| Total domestic deposits to total assets | 89.1309% | 1,321 |
| Equity capital to assets | 9.4855% | 4,869 |
| Core capital (leverage) ratio | 8.5128% | 5,482 |
| Tier 1 risk-based capital ratio | 17.8196% | 2,071 |
| Total risk-based capital ratio | 18.4592% | 2,239 |
| Memoranda: | ||
| Average total assets | $95,468,250 | 5,176 |
| Average earning assets | $89,065,000 | 5,107 |
| Average equity | $8,859,500 | 5,533 |
| Average total loans | $49,880,250 | 5,574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 5,243 |
| Cost of funding earning assets | 1.6920% | 2,156 |
| Net interest margin | 3.2443% | 6,187 |
| Noninterest income to average assets | 0.4374% | 4,632 |
| Noninterest expense to average assets | 2.5319% | 5,601 |
| Loan and lease loss provision to assets | 0.1893% | 4,986 |
| Net operating income to assets | 0.5110% | 4,272 |
| Return on assets (ROA) | 0.5110% | 4,424 |
| Pretax return on assets | 0.7444% | 4,084 |
| Return on Equity (ROE) | 5.5482% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.5482% | 2,582 |
| Net charge-offs to loans | 0.1947% | 4,440 |
| Credit loss provision to net charge-offs | 183.6735% | 2,145 |
| Earnings coverage of net charge-offs (x) | 9.0612% | 2,060 |
| Efficiency ratio | 73.0583% | 3,649 |
| Assets per employee ($millions) | 2.8724% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 6,670 |
| Loan loss allowance to noncurrent loans | 30.0000% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 3,671 |
| Noncurrent loans to loans | 3.0899% | 2,602 |
| Net loans and leases to total assets | 50.8888% | 6,323 |
| Net loans and leases to deposits | 56.8516% | 6,665 |
| Net loans and leases to core deposits | 60.7421% | 6,655 |
| Total domestic deposits to total assets | 89.5116% | 1,172 |
| Equity capital to assets | 9.1737% | 5,184 |
| Core capital (leverage) ratio | 8.5375% | 5,349 |
| Tier 1 risk-based capital ratio | 16.6815% | 2,411 |
| Total risk-based capital ratio | 17.6211% | 2,470 |
| Memoranda: | ||
| Average total assets | $95,105,000 | 5,217 |
| Average earning assets | $88,770,000 | 5,141 |
| Average equity | $8,759,670 | 5,571 |
| Average total loans | $50,322,000 | 5,592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0167% | 4,942 |
| Cost of funding earning assets | 1.7682% | 2,023 |
| Net interest margin | 3.2485% | 6,137 |
| Noninterest income to average assets | 0.4093% | 4,827 |
| Noninterest expense to average assets | 2.5963% | 5,371 |
| Loan and lease loss provision to assets | 0.1918% | 4,583 |
| Net operating income to assets | 0.4732% | 4,521 |
| Return on assets (ROA) | 0.4732% | 4,652 |
| Pretax return on assets | 0.6523% | 4,404 |
| Return on Equity (ROE) | 5.1270% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.1270% | 3,084 |
| Net charge-offs to loans | 0.3413% | 3,043 |
| Credit loss provision to net charge-offs | 104.6512% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.6047% | 2,594 |
| Efficiency ratio | 75.4647% | 3,308 |
| Assets per employee ($millions) | 2.7004% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 6,958 |
| Loan loss allowance to noncurrent loans | 26.1322% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 2.1034% | 3,381 |
| Noncurrent loans to loans | 3.2914% | 2,420 |
| Net loans and leases to total assets | 52.0732% | 6,264 |
| Net loans and leases to deposits | 58.1734% | 6,610 |
| Net loans and leases to core deposits | 63.4763% | 6,494 |
| Total domestic deposits to total assets | 89.5138% | 1,240 |
| Equity capital to assets | 9.2303% | 4,950 |
| Core capital (leverage) ratio | 8.7385% | 4,956 |
| Tier 1 risk-based capital ratio | 16.3574% | 2,502 |
| Total risk-based capital ratio | 17.2149% | 2,617 |
| Memoranda: | ||
| Average total assets | $93,827,500 | 5,324 |
| Average earning assets | $87,547,000 | 5,256 |
| Average equity | $8,660,000 | 5,643 |
| Average total loans | $50,401,500 | 5,652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4787% | 4,266 |
| Cost of funding earning assets | 2.1390% | 2,285 |
| Net interest margin | 3.3397% | 5,587 |
| Noninterest income to average assets | 0.5686% | 3,876 |
| Noninterest expense to average assets | 3.2983% | 3,012 |
| Loan and lease loss provision to assets | 0.6565% | 3,186 |
| Net operating income to assets | -0.1386% | 5,741 |
| Return on assets (ROA) | -0.1758% | 5,806 |
| Pretax return on assets | -0.3197% | 5,852 |
| Return on Equity (ROE) | -1.7942% | 5,822 |
| Retained earnings to average equity (ytd only) | -2.0971% | 5,539 |
| Net charge-offs to loans | 1.1300% | 2,167 |
| Credit loss provision to net charge-offs | 103.2316% | 5,348 |
| Earnings coverage of net charge-offs (x) | 0.6212% | 5,477 |
| Efficiency ratio | 89.3045% | 1,764 |
| Assets per employee ($millions) | 2.7394% | 6,784 |
| Cash dividends to net income (ytd only)* | -16.8831% | 7,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 7,045 |
| Loan loss allowance to noncurrent loans | 25.8516% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 2.0850% | 3,292 |
| Noncurrent loans to loans | 3.2135% | 2,374 |
| Net loans and leases to total assets | 54.4707% | 6,144 |
| Net loans and leases to deposits | 60.7869% | 6,578 |
| Net loans and leases to core deposits | 84.8664% | 5,634 |
| Total domestic deposits to total assets | 89.6092% | 1,153 |
| Equity capital to assets | 9.2291% | 4,807 |
| Core capital (leverage) ratio | 8.7584% | 4,825 |
| Tier 1 risk-based capital ratio | 15.8366% | 2,591 |
| Total risk-based capital ratio | 16.6742% | 2,699 |
| Memoranda: | ||
| Average total assets | $87,589,400 | 5,466 |
| Average earning assets | $81,954,000 | 5,397 |
| Average equity | $8,583,200 | 5,736 |
| Average total loans | $49,294,200 | 5,707 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 4,108 |
| Cost of funding earning assets | 2.2169% | 2,326 |
| Net interest margin | 3.3402% | 5,491 |
| Noninterest income to average assets | 0.6048% | 3,661 |
| Noninterest expense to average assets | 3.3548% | 2,709 |
| Loan and lease loss provision to assets | 0.0464% | 6,909 |
| Net operating income to assets | 0.2769% | 4,876 |
| Return on assets (ROA) | 0.2769% | 4,983 |
| Pretax return on assets | 0.3356% | 4,965 |
| Return on Equity (ROE) | 2.7816% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.7816% | 3,780 |
| Net charge-offs to loans | 0.0164% | 6,683 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 41.1663% | 734 |
| Efficiency ratio | 89.7765% | 1,709 |
| Assets per employee ($millions) | 2.7527% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 6,903 |
| Loan loss allowance to noncurrent loans | 23.6915% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 2.1279% | 3,190 |
| Noncurrent loans to loans | 3.6576% | 2,044 |
| Net loans and leases to total assets | 54.1535% | 6,367 |
| Net loans and leases to deposits | 60.8132% | 6,767 |
| Net loans and leases to core deposits | 82.2034% | 6,168 |
| Total domestic deposits to total assets | 89.0489% | 1,172 |
| Equity capital to assets | 9.8007% | 4,353 |
| Core capital (leverage) ratio | 9.3005% | 4,190 |
| Tier 1 risk-based capital ratio | 17.2923% | 2,188 |
| Total risk-based capital ratio | 18.1783% | 2,247 |
| Memoranda: | ||
| Average total assets | $86,201,750 | 5,546 |
| Average earning assets | $80,831,250 | 5,466 |
| Average equity | $8,580,000 | 5,787 |
| Average total loans | $48,828,000 | 5,766 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6130% | 4,005 |
| Cost of funding earning assets | 2.3331% | 2,227 |
| Net interest margin | 3.2800% | 5,626 |
| Noninterest income to average assets | 0.6237% | 3,506 |
| Noninterest expense to average assets | 3.5698% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0591% | 5,684 |
| Return on assets (ROA) | 0.0591% | 5,770 |
| Pretax return on assets | 0.1229% | 5,620 |
| Return on Equity (ROE) | 0.5902% | 5,761 |
| Retained earnings to average equity (ytd only) | 0.5902% | 4,955 |
| Net charge-offs to loans | 0.0206% | 6,221 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,997 |
| Efficiency ratio | 96.6731% | 1,336 |
| Assets per employee ($millions) | 3.0041% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 7,080 |
| Loan loss allowance to noncurrent loans | 27.1989% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 3,268 |
| Noncurrent loans to loans | 3.0216% | 2,386 |
| Net loans and leases to total assets | 55.6865% | 6,244 |
| Net loans and leases to deposits | 62.4966% | 6,702 |
| Net loans and leases to core deposits | 82.3622% | 6,211 |
| Total domestic deposits to total assets | 89.1033% | 1,215 |
| Equity capital to assets | 9.8625% | 4,132 |
| Core capital (leverage) ratio | 9.4744% | 3,929 |
| Tier 1 risk-based capital ratio | 17.5203% | 2,144 |
| Total risk-based capital ratio | 18.3754% | 2,205 |
| Memoranda: | ||
| Average total assets | $84,655,670 | 5,623 |
| Average earning assets | $79,208,330 | 5,559 |
| Average equity | $8,472,330 | 5,853 |
| Average total loans | $48,563,000 | 5,826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6519% | 4,038 |
| Cost of funding earning assets | 2.4640% | 2,053 |
| Net interest margin | 3.1878% | 5,894 |
| Noninterest income to average assets | 0.6521% | 3,184 |
| Noninterest expense to average assets | 2.8577% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6904% | 3,603 |
| Return on assets (ROA) | 0.6904% | 3,786 |
| Pretax return on assets | 0.7720% | 4,180 |
| Return on Equity (ROE) | 6.8470% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.8470% | 2,264 |
| Net charge-offs to loans | -0.0165% | 7,387 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7318% | 3,041 |
| Assets per employee ($millions) | 2.7840% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 7,015 |
| Loan loss allowance to noncurrent loans | 29.6943% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 2.6337% | 2,182 |
| Noncurrent loans to loans | 2.8250% | 2,317 |
| Net loans and leases to total assets | 55.8832% | 6,255 |
| Net loans and leases to deposits | 62.7578% | 6,669 |
| Net loans and leases to core deposits | 82.8395% | 6,158 |
| Total domestic deposits to total assets | 89.0458% | 1,214 |
| Equity capital to assets | 9.9797% | 4,025 |
| Core capital (leverage) ratio | 10.0042% | 3,412 |
| Tier 1 risk-based capital ratio | 17.3841% | 2,217 |
| Total risk-based capital ratio | 18.2329% | 2,277 |
| Memoranda: | ||
| Average total assets | $83,424,500 | 5,688 |
| Average earning assets | $77,921,000 | 5,627 |
| Average equity | $8,412,500 | 5,915 |
| Average total loans | $48,387,000 | 5,861 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2268% | 4,378 |
| Cost of funding earning assets | 2.7943% | 2,730 |
| Net interest margin | 3.4324% | 5,536 |
| Noninterest income to average assets | 0.5700% | 4,080 |
| Noninterest expense to average assets | 2.9208% | 4,376 |
| Loan and lease loss provision to assets | 0.3518% | 3,579 |
| Net operating income to assets | 0.3043% | 5,528 |
| Return on assets (ROA) | 0.3043% | 5,348 |
| Pretax return on assets | 0.4468% | 5,129 |
| Return on Equity (ROE) | 2.9080% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.5890% | 3,581 |
| Net charge-offs to loans | 0.3124% | 3,303 |
| Credit loss provision to net charge-offs | 190.2778% | 2,595 |
| Earnings coverage of net charge-offs (x) | 4.3194% | 4,025 |
| Efficiency ratio | 78.5295% | 2,836 |
| Assets per employee ($millions) | 2.4407% | 7,324 |
| Cash dividends to net income (ytd only)* | 10.9705% | 4,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,920 |
| Loan loss allowance to noncurrent loans | 43.4365% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 2.2919% | 2,125 |
| Noncurrent loans to loans | 1.9466% | 2,836 |
| Net loans and leases to total assets | 59.2583% | 6,018 |
| Net loans and leases to deposits | 66.5046% | 6,603 |
| Net loans and leases to core deposits | 87.5280% | 6,019 |
| Total domestic deposits to total assets | 89.1041% | 1,003 |
| Equity capital to assets | 10.1957% | 3,813 |
| Core capital (leverage) ratio | 10.2504% | 3,215 |
| Tier 1 risk-based capital ratio | 16.8606% | 2,355 |
| Total risk-based capital ratio | 17.6958% | 2,441 |
| Memoranda: | ||
| Average total assets | $77,890,200 | 5,769 |
| Average earning assets | $71,465,800 | 5,762 |
| Average equity | $8,150,000 | 6,025 |
| Average total loans | $46,087,400 | 5,872 |