Home > The Peoples National Bank of Checotah > Performance and Condition Ratios
The Peoples National Bank of Checotah, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0135% | 38 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15,341.0000% | 33 |
| Cost of funding earning assets | 75.0000% | 28 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.9561% | 2,340 |
| Pretax return on assets | 0.9561% | 2,792 |
| Return on Equity (ROE) | 7.6800% | 3,103 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0165% | 2,045 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.8038% | 2,674 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.0016% | 4,575 |
| Cash dividends to net income (ytd only)* | 61.0000% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 17.0000% | 4,504 |
| Equity capital to assets | 21,168.0000% | 28 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $245,000 | 4,606 |
| Average earning assets | $21,207 | 4,546 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5418% | 4,355 |
| Cost of funding earning assets | 0.9672% | 3,123 |
| Net interest margin | 2.5746% | 4,060 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.3063% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9147% | 2,632 |
| Return on assets (ROA) | 0.9147% | 2,616 |
| Pretax return on assets | 0.9416% | 3,000 |
| Return on Equity (ROE) | 7.4900% | 3,315 |
| Retained earnings to average equity (ytd only) | 3.4792% | 3,391 |
| Net charge-offs to loans | -0.0225% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.0083% | 1,678 |
| Assets per employee ($millions) | 4.8163% | 3,724 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 300 |
| Loan loss allowance to noncurrent loans | 1,153.2609% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,249 |
| Noncurrent loans to loans | 0.1899% | 2,603 |
| Net loans and leases to total assets | 28.9400% | 4,333 |
| Net loans and leases to deposits | 34.1208% | 4,327 |
| Net loans and leases to core deposits | 36.6475% | 4,317 |
| Total domestic deposits to total assets | 84.8100% | 2,557 |
| Equity capital to assets | 12.2062% | 988 |
| Core capital (leverage) ratio | 15.8204% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8365% | 144 |
| Memoranda: | ||
| Average total assets | $163,257,000 | 3,255 |
| Average earning assets | $153,701,500 | 3,230 |
| Average equity | $19,927,250 | 2,854 |
| Average total loans | $47,343,250 | 3,889 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 4,420 |
| Cost of funding earning assets | 0.8964% | 2,938 |
| Net interest margin | 2.5082% | 4,202 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.2564% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8731% | 2,838 |
| Return on assets (ROA) | 0.8731% | 2,833 |
| Pretax return on assets | 0.9001% | 3,166 |
| Return on Equity (ROE) | 7.1500% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.1346% | 3,443 |
| Net charge-offs to loans | 0.0128% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 244.6667% | 515 |
| Efficiency ratio | 71.4841% | 1,618 |
| Assets per employee ($millions) | 4.6732% | 3,842 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2006% | 306 |
| Loan loss allowance to noncurrent loans | 913.0435% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,069 |
| Noncurrent loans to loans | 0.2410% | 2,298 |
| Net loans and leases to total assets | 28.5300% | 4,351 |
| Net loans and leases to deposits | 33.5840% | 4,337 |
| Net loans and leases to core deposits | 35.7149% | 4,333 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 12.1759% | 998 |
| Core capital (leverage) ratio | 15.5770% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.6362% | 144 |
| Memoranda: | ||
| Average total assets | $163,091,667 | 3,262 |
| Average earning assets | $153,499,333 | 3,240 |
| Average equity | $19,907,000 | 2,877 |
| Average total loans | $46,975,000 | 3,907 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 4,438 |
| Cost of funding earning assets | 0.7976% | 2,749 |
| Net interest margin | 2.4996% | 4,304 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.1909% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8646% | 2,978 |
| Return on assets (ROA) | 0.8646% | 2,925 |
| Pretax return on assets | 0.9039% | 3,230 |
| Return on Equity (ROE) | 7.0700% | 3,499 |
| Retained earnings to average equity (ytd only) | 3.0548% | 3,490 |
| Net charge-offs to loans | 0.0858% | 654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 36.8000% | 1,223 |
| Efficiency ratio | 70.7937% | 1,667 |
| Assets per employee ($millions) | 4.8893% | 3,735 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2234% | 309 |
| Loan loss allowance to noncurrent loans | 766.1765% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 2,983 |
| Noncurrent loans to loans | 0.2902% | 2,104 |
| Net loans and leases to total assets | 27.5700% | 4,410 |
| Net loans and leases to deposits | 32.4597% | 4,400 |
| Net loans and leases to core deposits | 34.2430% | 4,390 |
| Total domestic deposits to total assets | 84.9200% | 2,878 |
| Equity capital to assets | 12.3199% | 911 |
| Core capital (leverage) ratio | 15.6404% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7327% | 147 |
| Memoranda: | ||
| Average total assets | $162,857,000 | 3,313 |
| Average earning assets | $153,461,500 | 3,287 |
| Average equity | $19,903,000 | 2,903 |
| Average total loans | $46,605,500 | 3,953 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8063% | 4,319 |
| Cost of funding earning assets | 0.2739% | 3,113 |
| Net interest margin | 2.5324% | 4,248 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.2654% | 2,848 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8352% | 3,206 |
| Return on assets (ROA) | 0.8352% | 3,130 |
| Pretax return on assets | 0.8662% | 3,442 |
| Return on Equity (ROE) | 6.5000% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.7774% | 4,022 |
| Net charge-offs to loans | 0.0587% | 1,065 |
| Credit loss provision to net charge-offs | 92.5926% | 1,621 |
| Earnings coverage of net charge-offs (x) | 53.7778% | 1,314 |
| Efficiency ratio | 71.9907% | 1,443 |
| Assets per employee ($millions) | 4.6906% | 3,904 |
| Cash dividends to net income (ytd only)* | 72.6744% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2699% | 278 |
| Loan loss allowance to noncurrent loans | 170.7792% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,323 |
| Noncurrent loans to loans | 1.3292% | 515 |
| Net loans and leases to total assets | 28.4000% | 4,425 |
| Net loans and leases to deposits | 33.3537% | 4,404 |
| Net loans and leases to core deposits | 34.1919% | 4,412 |
| Total domestic deposits to total assets | 85.1500% | 2,954 |
| Equity capital to assets | 12.1182% | 895 |
| Core capital (leverage) ratio | 15.7229% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.6991% | 147 |
| Memoranda: | ||
| Average total assets | $164,741,200 | 3,309 |
| Average earning assets | $155,188,200 | 3,279 |
| Average equity | $21,154,600 | 2,845 |
| Average total loans | $45,962,800 | 3,962 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7248% | 4,272 |
| Cost of funding earning assets | 0.2183% | 3,057 |
| Net interest margin | 2.5066% | 4,203 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.2723% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8118% | 3,206 |
| Return on assets (ROA) | 0.8118% | 3,175 |
| Pretax return on assets | 0.8479% | 3,479 |
| Return on Equity (ROE) | 6.2400% | 3,749 |
| Retained earnings to average equity (ytd only) | 2.5356% | 3,908 |
| Net charge-offs to loans | 0.0320% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 967 |
| Efficiency ratio | 72.8255% | 1,405 |
| Assets per employee ($millions) | 4.4263% | 4,106 |
| Cash dividends to net income (ytd only)* | 59.3472% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 333 |
| Loan loss allowance to noncurrent loans | 647.8261% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 2,968 |
| Noncurrent loans to loans | 0.3442% | 1,999 |
| Net loans and leases to total assets | 27.9200% | 4,463 |
| Net loans and leases to deposits | 32.5669% | 4,452 |
| Net loans and leases to core deposits | 33.4989% | 4,457 |
| Total domestic deposits to total assets | 85.7400% | 3,125 |
| Equity capital to assets | 11.4231% | 1,030 |
| Core capital (leverage) ratio | 15.4078% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1726% | 150 |
| Memoranda: | ||
| Average total assets | $166,056,750 | 3,322 |
| Average earning assets | $156,384,500 | 3,297 |
| Average equity | $21,611,750 | 2,849 |
| Average total loans | $45,867,250 | 3,990 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5902% | 4,282 |
| Cost of funding earning assets | 0.1934% | 3,003 |
| Net interest margin | 2.3969% | 4,230 |
| Noninterest income to average assets | 0.7553% | 1,160 |
| Noninterest expense to average assets | 2.1952% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7841% | 3,016 |
| Return on assets (ROA) | 0.7841% | 2,983 |
| Pretax return on assets | 0.8189% | 3,275 |
| Return on Equity (ROE) | 5.7928% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.2498% | 3,678 |
| Net charge-offs to loans | -0.0439% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8321% | 1,649 |
| Assets per employee ($millions) | 4.6400% | 3,980 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3295% | 315 |
| Loan loss allowance to noncurrent loans | 568.9840% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 2,923 |
| Noncurrent loans to loans | 0.4094% | 1,892 |
| Net loans and leases to total assets | 26.7068% | 4,546 |
| Net loans and leases to deposits | 31.3839% | 4,516 |
| Net loans and leases to core deposits | 32.2744% | 4,527 |
| Total domestic deposits to total assets | 85.0970% | 3,465 |
| Equity capital to assets | 12.2713% | 803 |
| Core capital (leverage) ratio | 14.9538% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0741% | 114 |
| Memoranda: | ||
| Average total assets | $166,818,000 | 3,357 |
| Average earning assets | $157,206,000 | 3,334 |
| Average equity | $22,579,667 | 2,847 |
| Average total loans | $45,564,667 | 4,037 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5185% | 4,243 |
| Cost of funding earning assets | 0.1906% | 2,938 |
| Net interest margin | 2.3279% | 4,190 |
| Noninterest income to average assets | 0.7534% | 1,164 |
| Noninterest expense to average assets | 2.1619% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7582% | 2,819 |
| Return on assets (ROA) | 0.7582% | 2,813 |
| Pretax return on assets | 0.7894% | 3,139 |
| Return on Equity (ROE) | 5.3513% | 3,525 |
| Retained earnings to average equity (ytd only) | 1.9644% | 3,554 |
| Net charge-offs to loans | -0.0967% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2520% | 1,825 |
| Assets per employee ($millions) | 4.8198% | 3,903 |
| Cash dividends to net income (ytd only)* | 63.2911% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 336 |
| Loan loss allowance to noncurrent loans | 678.3439% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 3,156 |
| Noncurrent loans to loans | 0.3484% | 2,239 |
| Net loans and leases to total assets | 26.0841% | 4,559 |
| Net loans and leases to deposits | 30.9511% | 4,522 |
| Net loans and leases to core deposits | 31.9005% | 4,537 |
| Total domestic deposits to total assets | 84.2750% | 3,714 |
| Equity capital to assets | 13.1879% | 654 |
| Core capital (leverage) ratio | 14.8700% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1684% | 115 |
| Memoranda: | ||
| Average total assets | $166,707,000 | 3,374 |
| Average earning assets | $157,396,500 | 3,351 |
| Average equity | $23,620,500 | 2,861 |
| Average total loans | $45,509,500 | 4,047 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7114% | 4,304 |
| Cost of funding earning assets | 0.2622% | 2,782 |
| Net interest margin | 2.4492% | 4,256 |
| Noninterest income to average assets | 1.2193% | 715 |
| Noninterest expense to average assets | 2.6838% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8018% | 3,328 |
| Return on assets (ROA) | 0.8018% | 3,399 |
| Pretax return on assets | 0.8442% | 3,638 |
| Return on Equity (ROE) | 4.9859% | 4,003 |
| Retained earnings to average equity (ytd only) | 1.1623% | 4,213 |
| Net charge-offs to loans | 0.0022% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,373.0000% | 107 |
| Efficiency ratio | 76.0718% | 1,101 |
| Assets per employee ($millions) | 4.5756% | 4,060 |
| Cash dividends to net income (ytd only)* | 76.6871% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2937% | 388 |
| Loan loss allowance to noncurrent loans | 684.4156% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 3,283 |
| Noncurrent loans to loans | 0.3351% | 2,384 |
| Net loans and leases to total assets | 27.2570% | 4,587 |
| Net loans and leases to deposits | 33.0948% | 4,556 |
| Net loans and leases to core deposits | 34.0880% | 4,553 |
| Total domestic deposits to total assets | 82.3605% | 3,911 |
| Equity capital to assets | 15.1735% | 473 |
| Core capital (leverage) ratio | 15.1786% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0318% | 119 |
| Memoranda: | ||
| Average total assets | $162,639,600 | 3,371 |
| Average earning assets | $153,314,400 | 3,344 |
| Average equity | $26,154,000 | 2,773 |
| Average total loans | $46,220,400 | 4,066 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7569% | 4,351 |
| Cost of funding earning assets | 0.2810% | 2,783 |
| Net interest margin | 2.4759% | 4,319 |
| Noninterest income to average assets | 1.3636% | 636 |
| Noninterest expense to average assets | 2.3003% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3521% | 1,686 |
| Return on assets (ROA) | 1.3521% | 1,739 |
| Pretax return on assets | 1.3965% | 2,346 |
| Return on Equity (ROE) | 8.2890% | 3,320 |
| Retained earnings to average equity (ytd only) | 5.2638% | 3,115 |
| Net charge-offs to loans | -0.0086% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2247% | 2,655 |
| Assets per employee ($millions) | 4.7791% | 3,903 |
| Cash dividends to net income (ytd only)* | 36.4964% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 383 |
| Loan loss allowance to noncurrent loans | 665.4088% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,449 |
| Noncurrent loans to loans | 0.3470% | 2,535 |
| Net loans and leases to total assets | 27.5489% | 4,667 |
| Net loans and leases to deposits | 34.0242% | 4,622 |
| Net loans and leases to core deposits | 34.9397% | 4,632 |
| Total domestic deposits to total assets | 80.9686% | 4,096 |
| Equity capital to assets | 16.3414% | 382 |
| Core capital (leverage) ratio | 15.5970% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,119,250 | 3,410 |
| Average earning assets | $152,776,250 | 3,382 |
| Average equity | $26,444,000 | 2,790 |
| Average total loans | $46,287,500 | 4,128 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7806% | 4,372 |
| Cost of funding earning assets | 0.3011% | 2,769 |
| Net interest margin | 2.4795% | 4,333 |
| Noninterest income to average assets | 1.6556% | 450 |
| Noninterest expense to average assets | 2.3001% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6470% | 958 |
| Return on assets (ROA) | 1.6470% | 1,008 |
| Pretax return on assets | 1.6939% | 1,490 |
| Return on Equity (ROE) | 10.1031% | 2,705 |
| Retained earnings to average equity (ytd only) | 7.0737% | 2,404 |
| Net charge-offs to loans | -0.0043% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5889% | 3,331 |
| Assets per employee ($millions) | 4.6193% | 3,998 |
| Cash dividends to net income (ytd only)* | 29.9850% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3040% | 356 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 3,441 |
| Noncurrent loans to loans | 0.4320% | 2,383 |
| Net loans and leases to total assets | 26.9268% | 4,729 |
| Net loans and leases to deposits | 33.0326% | 4,706 |
| Net loans and leases to core deposits | 34.2900% | 4,704 |
| Total domestic deposits to total assets | 81.5160% | 4,007 |
| Equity capital to assets | 15.9836% | 416 |
| Core capital (leverage) ratio | 15.2770% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8106% | 122 |
| Memoranda: | ||
| Average total assets | $161,996,000 | 3,415 |
| Average earning assets | $152,773,000 | 3,385 |
| Average equity | $26,407,667 | 2,792 |
| Average total loans | $46,442,667 | 4,145 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8269% | 4,345 |
| Cost of funding earning assets | 0.3324% | 2,685 |
| Net interest margin | 2.4945% | 4,307 |
| Noninterest income to average assets | 2.1095% | 347 |
| Noninterest expense to average assets | 2.3998% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0044% | 566 |
| Return on assets (ROA) | 2.0044% | 610 |
| Pretax return on assets | 2.0570% | 862 |
| Return on Equity (ROE) | 12.1726% | 1,958 |
| Retained earnings to average equity (ytd only) | 9.1332% | 1,907 |
| Net charge-offs to loans | 0.0257% | 1,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 318 |
| Efficiency ratio | 53.8462% | 3,805 |
| Assets per employee ($millions) | 4.6986% | 3,925 |
| Cash dividends to net income (ytd only)* | 24.9688% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2355% | 398 |
| Loan loss allowance to noncurrent loans | 696.6887% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,732 |
| Noncurrent loans to loans | 0.3209% | 2,951 |
| Net loans and leases to total assets | 27.9755% | 4,750 |
| Net loans and leases to deposits | 34.3182% | 4,722 |
| Net loans and leases to core deposits | 35.6357% | 4,727 |
| Total domestic deposits to total assets | 81.5179% | 3,982 |
| Equity capital to assets | 16.0181% | 389 |
| Core capital (leverage) ratio | 15.5535% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6412% | 136 |
| Memoranda: | ||
| Average total assets | $159,846,500 | 3,439 |
| Average earning assets | $150,411,000 | 3,412 |
| Average equity | $26,321,500 | 2,782 |
| Average total loans | $46,747,000 | 4,160 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 4,240 |
| Cost of funding earning assets | 0.4654% | 3,184 |
| Net interest margin | 2.9037% | 4,099 |
| Noninterest income to average assets | 0.8695% | 1,352 |
| Noninterest expense to average assets | 2.4358% | 3,030 |
| Loan and lease loss provision to assets | 0.0476% | 3,803 |
| Net operating income to assets | 1.0626% | 2,057 |
| Return on assets (ROA) | 1.0626% | 2,194 |
| Pretax return on assets | 1.1047% | 2,675 |
| Return on Equity (ROE) | 6.0868% | 3,556 |
| Retained earnings to average equity (ytd only) | 1.6083% | 3,993 |
| Net charge-offs to loans | 0.0948% | 1,511 |
| Credit loss provision to net charge-offs | 162.7907% | 2,358 |
| Earnings coverage of net charge-offs (x) | 39.4186% | 1,401 |
| Efficiency ratio | 67.8856% | 2,251 |
| Assets per employee ($millions) | 4.4355% | 3,982 |
| Cash dividends to net income (ytd only)* | 73.5765% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2719% | 367 |
| Loan loss allowance to noncurrent loans | 844.0000% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 3,933 |
| Noncurrent loans to loans | 0.2692% | 3,230 |
| Net loans and leases to total assets | 29.2324% | 4,769 |
| Net loans and leases to deposits | 36.2798% | 4,740 |
| Net loans and leases to core deposits | 37.7709% | 4,745 |
| Total domestic deposits to total assets | 80.5748% | 3,948 |
| Equity capital to assets | 16.9419% | 341 |
| Core capital (leverage) ratio | 16.0589% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.6072% | 126 |
| Memoranda: | ||
| Average total assets | $147,097,200 | 3,434 |
| Average earning assets | $137,719,800 | 3,413 |
| Average equity | $25,678,600 | 2,754 |
| Average total loans | $45,357,600 | 4,198 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 4,291 |
| Cost of funding earning assets | 0.4920% | 3,275 |
| Net interest margin | 2.9561% | 4,073 |
| Noninterest income to average assets | 0.8906% | 1,255 |
| Noninterest expense to average assets | 2.5322% | 2,737 |
| Loan and lease loss provision to assets | 0.0186% | 4,095 |
| Net operating income to assets | 1.0524% | 2,131 |
| Return on assets (ROA) | 1.0524% | 2,267 |
| Pretax return on assets | 1.1066% | 2,723 |
| Return on Equity (ROE) | 5.9814% | 3,562 |
| Retained earnings to average equity (ytd only) | 2.0634% | 3,913 |
| Net charge-offs to loans | 0.1212% | 1,154 |
| Credit loss provision to net charge-offs | 48.7805% | 2,892 |
| Earnings coverage of net charge-offs (x) | 29.8537% | 1,588 |
| Efficiency ratio | 69.2385% | 2,000 |
| Assets per employee ($millions) | 4.3032% | 4,043 |
| Cash dividends to net income (ytd only)* | 65.5022% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 356 |
| Loan loss allowance to noncurrent loans | 825.4098% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,024 |
| Noncurrent loans to loans | 0.2661% | 3,339 |
| Net loans and leases to total assets | 29.7697% | 4,827 |
| Net loans and leases to deposits | 37.3635% | 4,803 |
| Net loans and leases to core deposits | 39.0641% | 4,803 |
| Total domestic deposits to total assets | 79.6757% | 3,931 |
| Equity capital to assets | 17.5589% | 335 |
| Core capital (leverage) ratio | 16.2378% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2122% | 131 |
| Memoranda: | ||
| Average total assets | $145,061,000 | 3,447 |
| Average earning assets | $135,759,500 | 3,415 |
| Average equity | $25,523,000 | 2,759 |
| Average total loans | $45,088,000 | 4,224 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5461% | 4,357 |
| Cost of funding earning assets | 0.5215% | 3,407 |
| Net interest margin | 3.0245% | 4,071 |
| Noninterest income to average assets | 0.9343% | 1,095 |
| Noninterest expense to average assets | 2.5361% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1689% | 1,729 |
| Return on assets (ROA) | 1.1689% | 1,862 |
| Pretax return on assets | 1.2248% | 2,274 |
| Return on Equity (ROE) | 6.6388% | 3,272 |
| Retained earnings to average equity (ytd only) | 2.6730% | 3,516 |
| Net charge-offs to loans | 0.0803% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 48.7222% | 1,117 |
| Efficiency ratio | 67.4341% | 2,317 |
| Assets per employee ($millions) | 4.4232% | 3,885 |
| Cash dividends to net income (ytd only)* | 59.7372% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 319 |
| Loan loss allowance to noncurrent loans | 554.9451% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 3,926 |
| Noncurrent loans to loans | 0.4018% | 2,964 |
| Net loans and leases to total assets | 29.4461% | 4,866 |
| Net loans and leases to deposits | 36.8766% | 4,847 |
| Net loans and leases to core deposits | 38.3973% | 4,849 |
| Total domestic deposits to total assets | 79.8504% | 3,868 |
| Equity capital to assets | 17.5158% | 334 |
| Core capital (leverage) ratio | 16.5586% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8156% | 131 |
| Memoranda: | ||
| Average total assets | $143,210,333 | 3,450 |
| Average earning assets | $133,838,333 | 3,423 |
| Average equity | $25,215,333 | 2,764 |
| Average total loans | $44,836,000 | 4,239 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,281 |
| Cost of funding earning assets | 0.5699% | 3,592 |
| Net interest margin | 3.1898% | 3,889 |
| Noninterest income to average assets | 0.9741% | 905 |
| Noninterest expense to average assets | 2.7131% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2434% | 1,395 |
| Return on assets (ROA) | 1.2434% | 1,497 |
| Pretax return on assets | 1.2434% | 2,055 |
| Return on Equity (ROE) | 7.0420% | 2,930 |
| Retained earnings to average equity (ytd only) | 2.9856% | 3,090 |
| Net charge-offs to loans | 0.0090% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 434.0000% | 151 |
| Efficiency ratio | 68.5735% | 2,576 |
| Assets per employee ($millions) | 4.0500% | 3,855 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 325 |
| Loan loss allowance to noncurrent loans | 718.1818% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 4,111 |
| Noncurrent loans to loans | 0.3216% | 3,339 |
| Net loans and leases to total assets | 30.6478% | 4,899 |
| Net loans and leases to deposits | 38.3102% | 4,862 |
| Net loans and leases to core deposits | 39.9910% | 4,874 |
| Total domestic deposits to total assets | 79.9992% | 3,863 |
| Equity capital to assets | 17.2932% | 408 |
| Core capital (leverage) ratio | 17.3291% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2973% | 119 |
| Memoranda: | ||
| Average total assets | $139,620,500 | 3,461 |
| Average earning assets | $130,540,000 | 3,441 |
| Average equity | $24,652,000 | 2,801 |
| Average total loans | $44,607,000 | 4,260 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 4,551 |
| Cost of funding earning assets | 0.5541% | 3,850 |
| Net interest margin | 3.2571% | 4,069 |
| Noninterest income to average assets | 0.9690% | 1,038 |
| Noninterest expense to average assets | 2.5749% | 3,248 |
| Loan and lease loss provision to assets | 0.0247% | 3,526 |
| Net operating income to assets | 1.3585% | 1,480 |
| Return on assets (ROA) | 1.3585% | 1,557 |
| Pretax return on assets | 1.4150% | 2,100 |
| Return on Equity (ROE) | 7.9776% | 3,168 |
| Retained earnings to average equity (ytd only) | 2.7892% | 3,647 |
| Net charge-offs to loans | 0.0695% | 2,100 |
| Credit loss provision to net charge-offs | 112.9032% | 2,224 |
| Earnings coverage of net charge-offs (x) | 65.7097% | 924 |
| Efficiency ratio | 64.1373% | 3,054 |
| Assets per employee ($millions) | 3.9283% | 4,002 |
| Cash dividends to net income (ytd only)* | 65.0364% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2975% | 288 |
| Loan loss allowance to noncurrent loans | 608.2840% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,028 |
| Noncurrent loans to loans | 0.3777% | 3,084 |
| Net loans and leases to total assets | 31.7953% | 4,939 |
| Net loans and leases to deposits | 40.1200% | 4,902 |
| Net loans and leases to core deposits | 41.9628% | 4,905 |
| Total domestic deposits to total assets | 79.2504% | 4,134 |
| Equity capital to assets | 18.0309% | 365 |
| Core capital (leverage) ratio | 17.3482% | 383 |
| Tier 1 risk-based capital ratio | 42.7291% | 203 |
| Total risk-based capital ratio | 43.9894% | 197 |
| Memoranda: | ||
| Average total assets | $141,480,800 | 3,417 |
| Average earning assets | $132,297,200 | 3,388 |
| Average equity | $24,092,600 | 2,786 |
| Average total loans | $44,595,600 | 4,292 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 4,663 |
| Cost of funding earning assets | 0.5442% | 3,968 |
| Net interest margin | 3.2673% | 4,148 |
| Noninterest income to average assets | 0.9704% | 997 |
| Noninterest expense to average assets | 2.6174% | 3,115 |
| Loan and lease loss provision to assets | 0.0234% | 3,431 |
| Net operating income to assets | 1.3859% | 1,509 |
| Return on assets (ROA) | 1.3859% | 1,580 |
| Pretax return on assets | 1.3859% | 2,364 |
| Return on Equity (ROE) | 8.2558% | 3,212 |
| Retained earnings to average equity (ytd only) | 4.0749% | 3,361 |
| Net charge-offs to loans | -0.0568% | 4,861 |
| Credit loss provision to net charge-offs | -131.5789% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0012% | 2,858 |
| Assets per employee ($millions) | 3.8607% | 4,084 |
| Cash dividends to net income (ytd only)* | 50.6416% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 260 |
| Loan loss allowance to noncurrent loans | 544.8980% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 3,904 |
| Noncurrent loans to loans | 0.4358% | 3,003 |
| Net loans and leases to total assets | 31.5897% | 5,024 |
| Net loans and leases to deposits | 39.8499% | 4,999 |
| Net loans and leases to core deposits | 41.7817% | 4,998 |
| Total domestic deposits to total assets | 79.2719% | 4,128 |
| Equity capital to assets | 17.8681% | 404 |
| Core capital (leverage) ratio | 17.1108% | 426 |
| Tier 1 risk-based capital ratio | 42.8857% | 200 |
| Total risk-based capital ratio | 44.1440% | 195 |
| Memoranda: | ||
| Average total assets | $142,478,000 | 3,436 |
| Average earning assets | $133,279,000 | 3,411 |
| Average equity | $23,918,000 | 2,812 |
| Average total loans | $44,558,500 | 4,346 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 4,784 |
| Cost of funding earning assets | 0.5254% | 4,008 |
| Net interest margin | 3.2148% | 4,336 |
| Noninterest income to average assets | 0.9524% | 969 |
| Noninterest expense to average assets | 2.5856% | 3,225 |
| Loan and lease loss provision to assets | 0.0348% | 3,129 |
| Net operating income to assets | 1.3394% | 1,620 |
| Return on assets (ROA) | 1.3394% | 1,684 |
| Pretax return on assets | 1.3394% | 2,416 |
| Return on Equity (ROE) | 8.1482% | 3,226 |
| Retained earnings to average equity (ytd only) | 3.9132% | 3,293 |
| Net charge-offs to loans | -0.0540% | 4,844 |
| Credit loss provision to net charge-offs | -208.3333% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2954% | 2,921 |
| Assets per employee ($millions) | 4.0336% | 3,823 |
| Cash dividends to net income (ytd only)* | 51.9751% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3942% | 257 |
| Loan loss allowance to noncurrent loans | 476.2332% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 3,863 |
| Noncurrent loans to loans | 0.5027% | 2,773 |
| Net loans and leases to total assets | 29.8154% | 5,100 |
| Net loans and leases to deposits | 36.9875% | 5,094 |
| Net loans and leases to core deposits | 38.6714% | 5,099 |
| Total domestic deposits to total assets | 80.6095% | 3,916 |
| Equity capital to assets | 16.7943% | 495 |
| Core capital (leverage) ratio | 16.4793% | 488 |
| Tier 1 risk-based capital ratio | 42.6611% | 200 |
| Total risk-based capital ratio | 43.9197% | 197 |
| Memoranda: | ||
| Average total assets | $143,642,330 | 3,435 |
| Average earning assets | $134,379,000 | 3,417 |
| Average equity | $23,612,670 | 2,833 |
| Average total loans | $44,420,330 | 4,376 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,859 |
| Cost of funding earning assets | 0.5025% | 4,051 |
| Net interest margin | 3.1884% | 4,408 |
| Noninterest income to average assets | 0.9380% | 949 |
| Noninterest expense to average assets | 2.6096% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3132% | 1,650 |
| Return on assets (ROA) | 1.3132% | 1,694 |
| Pretax return on assets | 1.3132% | 2,400 |
| Return on Equity (ROE) | 8.0773% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.7717% | 3,415 |
| Net charge-offs to loans | -0.0810% | 4,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5239% | 2,866 |
| Assets per employee ($millions) | 4.0849% | 3,804 |
| Cash dividends to net income (ytd only)* | 53.3049% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3571% | 282 |
| Loan loss allowance to noncurrent loans | 541.3613% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,026 |
| Noncurrent loans to loans | 0.4354% | 3,021 |
| Net loans and leases to total assets | 29.1268% | 5,161 |
| Net loans and leases to deposits | 35.7466% | 5,152 |
| Net loans and leases to core deposits | 37.5106% | 5,155 |
| Total domestic deposits to total assets | 81.4813% | 3,861 |
| Equity capital to assets | 16.0258% | 567 |
| Core capital (leverage) ratio | 16.5685% | 471 |
| Tier 1 risk-based capital ratio | 41.9343% | 206 |
| Total risk-based capital ratio | 43.1913% | 199 |
| Memoranda: | ||
| Average total assets | $142,858,500 | 3,491 |
| Average earning assets | $133,735,500 | 3,460 |
| Average equity | $23,225,500 | 2,865 |
| Average total loans | $44,452,000 | 4,424 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5033% | 4,911 |
| Cost of funding earning assets | 0.3564% | 4,245 |
| Net interest margin | 3.1469% | 4,586 |
| Noninterest income to average assets | 1.0167% | 917 |
| Noninterest expense to average assets | 2.5283% | 3,530 |
| Loan and lease loss provision to assets | 0.0072% | 3,977 |
| Net operating income to assets | 1.4312% | 1,334 |
| Return on assets (ROA) | 1.4312% | 1,326 |
| Pretax return on assets | 1.4312% | 2,028 |
| Return on Equity (ROE) | 8.8422% | 3,072 |
| Retained earnings to average equity (ytd only) | 3.2936% | 3,760 |
| Net charge-offs to loans | 0.1125% | 1,621 |
| Credit loss provision to net charge-offs | 20.0000% | 3,402 |
| Earnings coverage of net charge-offs (x) | 40.0400% | 1,306 |
| Efficiency ratio | 63.7385% | 3,218 |
| Assets per employee ($millions) | 3.8517% | 4,099 |
| Cash dividends to net income (ytd only)* | 62.7510% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2759% | 288 |
| Loan loss allowance to noncurrent loans | 395.7529% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 3,749 |
| Noncurrent loans to loans | 0.5751% | 2,558 |
| Net loans and leases to total assets | 31.7409% | 5,174 |
| Net loans and leases to deposits | 39.1939% | 5,135 |
| Net loans and leases to core deposits | 41.4875% | 5,137 |
| Total domestic deposits to total assets | 80.9844% | 3,889 |
| Equity capital to assets | 16.5037% | 466 |
| Core capital (leverage) ratio | 16.9159% | 416 |
| Tier 1 risk-based capital ratio | 42.6557% | 197 |
| Total risk-based capital ratio | 43.9135% | 194 |
| Memoranda: | ||
| Average total assets | $139,182,600 | 3,518 |
| Average earning assets | $130,477,000 | 3,487 |
| Average equity | $22,528,400 | 2,860 |
| Average total loans | $44,434,000 | 4,443 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 4,993 |
| Cost of funding earning assets | 0.3316% | 4,297 |
| Net interest margin | 3.1085% | 4,690 |
| Noninterest income to average assets | 0.9953% | 969 |
| Noninterest expense to average assets | 2.5735% | 3,367 |
| Loan and lease loss provision to assets | 0.0096% | 3,798 |
| Net operating income to assets | 1.3284% | 1,749 |
| Return on assets (ROA) | 1.3284% | 1,760 |
| Pretax return on assets | 1.3284% | 2,515 |
| Return on Equity (ROE) | 8.2472% | 3,443 |
| Retained earnings to average equity (ytd only) | 3.7909% | 3,879 |
| Net charge-offs to loans | 0.1235% | 1,278 |
| Credit loss provision to net charge-offs | 24.3902% | 2,993 |
| Earnings coverage of net charge-offs (x) | 34.0946% | 1,497 |
| Efficiency ratio | 65.7940% | 2,902 |
| Assets per employee ($millions) | 3.8856% | 4,060 |
| Cash dividends to net income (ytd only)* | 54.0349% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2797% | 316 |
| Loan loss allowance to noncurrent loans | 577.0950% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 4,181 |
| Noncurrent loans to loans | 0.3950% | 3,238 |
| Net loans and leases to total assets | 31.6545% | 5,247 |
| Net loans and leases to deposits | 39.0199% | 5,228 |
| Net loans and leases to core deposits | 41.4179% | 5,213 |
| Total domestic deposits to total assets | 81.1241% | 3,836 |
| Equity capital to assets | 16.1543% | 513 |
| Core capital (leverage) ratio | 16.7113% | 441 |
| Tier 1 risk-based capital ratio | 42.1130% | 201 |
| Total risk-based capital ratio | 43.3711% | 198 |
| Memoranda: | ||
| Average total assets | $139,313,250 | 3,552 |
| Average earning assets | $130,692,500 | 3,521 |
| Average equity | $22,439,500 | 2,880 |
| Average total loans | $44,283,250 | 4,496 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 5,077 |
| Cost of funding earning assets | 0.3108% | 4,346 |
| Net interest margin | 3.0543% | 4,804 |
| Noninterest income to average assets | 0.9761% | 999 |
| Noninterest expense to average assets | 2.5459% | 3,496 |
| Loan and lease loss provision to assets | 0.0144% | 3,588 |
| Net operating income to assets | 1.2837% | 1,846 |
| Return on assets (ROA) | 1.2837% | 1,848 |
| Pretax return on assets | 1.2837% | 2,579 |
| Return on Equity (ROE) | 7.9778% | 3,516 |
| Retained earnings to average equity (ytd only) | 3.5110% | 3,833 |
| Net charge-offs to loans | 0.1821% | 863 |
| Credit loss provision to net charge-offs | 25.0000% | 2,658 |
| Earnings coverage of net charge-offs (x) | 22.5750% | 1,740 |
| Efficiency ratio | 66.2304% | 2,930 |
| Assets per employee ($millions) | 4.0145% | 3,872 |
| Cash dividends to net income (ytd only)* | 55.9910% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3766% | 284 |
| Loan loss allowance to noncurrent loans | 447.6190% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 4,029 |
| Noncurrent loans to loans | 0.5309% | 2,829 |
| Net loans and leases to total assets | 30.2286% | 5,322 |
| Net loans and leases to deposits | 37.1229% | 5,304 |
| Net loans and leases to core deposits | 39.1633% | 5,301 |
| Total domestic deposits to total assets | 81.4286% | 3,885 |
| Equity capital to assets | 15.9815% | 505 |
| Core capital (leverage) ratio | 16.5789% | 437 |
| Tier 1 risk-based capital ratio | 42.1285% | 204 |
| Total risk-based capital ratio | 43.3859% | 201 |
| Memoranda: | ||
| Average total assets | $139,123,670 | 3,582 |
| Average earning assets | $130,635,330 | 3,543 |
| Average equity | $22,387,000 | 2,893 |
| Average total loans | $43,940,330 | 4,545 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 5,098 |
| Cost of funding earning assets | 0.3016% | 4,338 |
| Net interest margin | 3.0288% | 4,837 |
| Noninterest income to average assets | 0.9882% | 933 |
| Noninterest expense to average assets | 2.5543% | 3,479 |
| Loan and lease loss provision to assets | 0.0289% | 3,134 |
| Net operating income to assets | 1.2483% | 1,813 |
| Return on assets (ROA) | 1.2483% | 1,825 |
| Pretax return on assets | 1.2483% | 2,561 |
| Return on Equity (ROE) | 7.7305% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.2568% | 3,905 |
| Net charge-offs to loans | 0.3895% | 399 |
| Credit loss provision to net charge-offs | 23.2558% | 2,105 |
| Earnings coverage of net charge-offs (x) | 10.2791% | 1,910 |
| Efficiency ratio | 66.6667% | 3,051 |
| Assets per employee ($millions) | 3.9980% | 3,982 |
| Cash dividends to net income (ytd only)* | 57.8704% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 304 |
| Loan loss allowance to noncurrent loans | 526.0204% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 4,253 |
| Noncurrent loans to loans | 0.4468% | 3,194 |
| Net loans and leases to total assets | 30.6146% | 5,352 |
| Net loans and leases to deposits | 37.5553% | 5,327 |
| Net loans and leases to core deposits | 39.7205% | 5,313 |
| Total domestic deposits to total assets | 81.5186% | 4,087 |
| Equity capital to assets | 15.9308% | 498 |
| Core capital (leverage) ratio | 16.5056% | 431 |
| Tier 1 risk-based capital ratio | 41.3712% | 211 |
| Total risk-based capital ratio | 42.6281% | 208 |
| Memoranda: | ||
| Average total assets | $138,432,500 | 3,627 |
| Average earning assets | $129,954,000 | 3,590 |
| Average equity | $22,353,000 | 2,925 |
| Average total loans | $44,157,000 | 4,588 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 5,167 |
| Cost of funding earning assets | 0.2876% | 4,249 |
| Net interest margin | 2.9331% | 4,999 |
| Noninterest income to average assets | 1.0075% | 1,005 |
| Noninterest expense to average assets | 2.5026% | 3,773 |
| Loan and lease loss provision to assets | 0.0802% | 2,598 |
| Net operating income to assets | 1.1824% | 1,573 |
| Return on assets (ROA) | 1.1824% | 1,593 |
| Pretax return on assets | 1.1824% | 2,838 |
| Return on Equity (ROE) | 7.2521% | 3,150 |
| Retained earnings to average equity (ytd only) | 3.2281% | 3,363 |
| Net charge-offs to loans | 0.1142% | 1,911 |
| Credit loss provision to net charge-offs | 220.0000% | 1,246 |
| Earnings coverage of net charge-offs (x) | 34.6400% | 1,390 |
| Efficiency ratio | 66.4666% | 3,177 |
| Assets per employee ($millions) | 3.8038% | 4,277 |
| Cash dividends to net income (ytd only)* | 55.4871% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3940% | 283 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,029 |
| Noncurrent loans to loans | 0.5985% | 2,732 |
| Net loans and leases to total assets | 31.6793% | 5,399 |
| Net loans and leases to deposits | 39.0427% | 5,364 |
| Net loans and leases to core deposits | 41.3817% | 5,351 |
| Total domestic deposits to total assets | 81.1400% | 4,089 |
| Equity capital to assets | 16.3683% | 472 |
| Core capital (leverage) ratio | 16.6327% | 399 |
| Tier 1 risk-based capital ratio | 41.2606% | 196 |
| Total risk-based capital ratio | 42.5187% | 195 |
| Memoranda: | ||
| Average total assets | $137,177,200 | 3,647 |
| Average earning assets | $128,976,400 | 3,599 |
| Average equity | $22,366,000 | 2,916 |
| Average total loans | $43,766,000 | 4,620 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2269% | 5,199 |
| Cost of funding earning assets | 0.2884% | 4,239 |
| Net interest margin | 2.9385% | 5,038 |
| Noninterest income to average assets | 1.0065% | 1,009 |
| Noninterest expense to average assets | 2.5765% | 3,478 |
| Loan and lease loss provision to assets | 0.0389% | 3,329 |
| Net operating income to assets | 1.1532% | 1,869 |
| Return on assets (ROA) | 1.1532% | 1,916 |
| Pretax return on assets | 1.1532% | 3,101 |
| Return on Equity (ROE) | 7.0799% | 3,613 |
| Retained earnings to average equity (ytd only) | 3.5012% | 3,832 |
| Net charge-offs to loans | -0.0214% | 4,870 |
| Credit loss provision to net charge-offs | -571.4286% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3681% | 2,809 |
| Assets per employee ($millions) | 3.6862% | 4,468 |
| Cash dividends to net income (ytd only)* | 50.5475% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3274% | 335 |
| Loan loss allowance to noncurrent loans | 226.7241% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 3,687 |
| Noncurrent loans to loans | 1.0265% | 1,891 |
| Net loans and leases to total assets | 32.3692% | 5,445 |
| Net loans and leases to deposits | 40.1890% | 5,418 |
| Net loans and leases to core deposits | 42.4819% | 5,407 |
| Total domestic deposits to total assets | 80.5424% | 4,195 |
| Equity capital to assets | 16.6986% | 457 |
| Core capital (leverage) ratio | 16.4447% | 439 |
| Tier 1 risk-based capital ratio | 40.5197% | 218 |
| Total risk-based capital ratio | 41.7770% | 214 |
| Memoranda: | ||
| Average total assets | $137,237,750 | 3,685 |
| Average earning assets | $128,995,250 | 3,631 |
| Average equity | $22,354,000 | 2,936 |
| Average total loans | $43,596,500 | 4,670 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 5,269 |
| Cost of funding earning assets | 0.2890% | 4,194 |
| Net interest margin | 2.8874% | 5,119 |
| Noninterest income to average assets | 0.9904% | 1,036 |
| Noninterest expense to average assets | 2.5974% | 3,439 |
| Loan and lease loss provision to assets | 0.0073% | 3,781 |
| Net operating income to assets | 1.1024% | 1,961 |
| Return on assets (ROA) | 1.1024% | 2,011 |
| Pretax return on assets | 1.1024% | 3,168 |
| Return on Equity (ROE) | 6.8246% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.2232% | 3,792 |
| Net charge-offs to loans | -0.0279% | 4,921 |
| Credit loss provision to net charge-offs | -83.3333% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0667% | 2,659 |
| Assets per employee ($millions) | 3.7666% | 4,329 |
| Cash dividends to net income (ytd only)* | 52.7704% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 374 |
| Loan loss allowance to noncurrent loans | 282.7298% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,092 |
| Noncurrent loans to loans | 0.8148% | 2,370 |
| Net loans and leases to total assets | 30.8870% | 5,525 |
| Net loans and leases to deposits | 38.0196% | 5,506 |
| Net loans and leases to core deposits | 40.1169% | 5,496 |
| Total domestic deposits to total assets | 81.2396% | 4,120 |
| Equity capital to assets | 16.1894% | 514 |
| Core capital (leverage) ratio | 16.0491% | 470 |
| Tier 1 risk-based capital ratio | 40.2589% | 209 |
| Total risk-based capital ratio | 41.5154% | 201 |
| Memoranda: | ||
| Average total assets | $137,520,670 | 3,700 |
| Average earning assets | $129,389,670 | 3,649 |
| Average equity | $22,213,670 | 2,950 |
| Average total loans | $43,062,000 | 4,714 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1273% | 5,336 |
| Cost of funding earning assets | 0.2928% | 4,118 |
| Net interest margin | 2.8345% | 5,194 |
| Noninterest income to average assets | 1.0103% | 984 |
| Noninterest expense to average assets | 2.5447% | 3,672 |
| Loan and lease loss provision to assets | 0.0146% | 3,375 |
| Net operating income to assets | 1.1157% | 1,805 |
| Return on assets (ROA) | 1.1157% | 1,847 |
| Pretax return on assets | 1.1157% | 2,919 |
| Return on Equity (ROE) | 6.9149% | 3,438 |
| Retained earnings to average equity (ytd only) | 3.2850% | 3,790 |
| Net charge-offs to loans | 0.0470% | 1,912 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 77.2000% | 671 |
| Efficiency ratio | 69.2430% | 3,003 |
| Assets per employee ($millions) | 3.9738% | 4,062 |
| Cash dividends to net income (ytd only)* | 52.4934% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3772% | 363 |
| Loan loss allowance to noncurrent loans | 340.3390% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 4,371 |
| Noncurrent loans to loans | 0.6985% | 2,751 |
| Net loans and leases to total assets | 29.6440% | 5,597 |
| Net loans and leases to deposits | 36.3757% | 5,572 |
| Net loans and leases to core deposits | 38.3713% | 5,565 |
| Total domestic deposits to total assets | 81.4939% | 4,298 |
| Equity capital to assets | 15.9831% | 502 |
| Core capital (leverage) ratio | 16.2478% | 431 |
| Tier 1 risk-based capital ratio | 41.1189% | 209 |
| Total risk-based capital ratio | 42.3773% | 205 |
| Memoranda: | ||
| Average total assets | $136,599,500 | 3,744 |
| Average earning assets | $128,416,500 | 3,697 |
| Average equity | $22,039,500 | 2,979 |
| Average total loans | $42,563,000 | 4,770 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 5,306 |
| Cost of funding earning assets | 0.3075% | 3,980 |
| Net interest margin | 2.8916% | 5,153 |
| Noninterest income to average assets | 1.8313% | 388 |
| Noninterest expense to average assets | 2.6792% | 3,415 |
| Loan and lease loss provision to assets | 0.0555% | 3,270 |
| Net operating income to assets | 1.7913% | 454 |
| Return on assets (ROA) | 1.7913% | 473 |
| Pretax return on assets | 1.7913% | 819 |
| Return on Equity (ROE) | 11.3137% | 1,463 |
| Retained earnings to average equity (ytd only) | 7.1044% | 1,186 |
| Net charge-offs to loans | 0.1028% | 2,241 |
| Credit loss provision to net charge-offs | 170.4545% | 1,626 |
| Earnings coverage of net charge-offs (x) | 56.6818% | 935 |
| Efficiency ratio | 59.1950% | 4,699 |
| Assets per employee ($millions) | 3.7254% | 4,437 |
| Cash dividends to net income (ytd only)* | 37.2055% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3408% | 379 |
| Loan loss allowance to noncurrent loans | 398.4127% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,569 |
| Noncurrent loans to loans | 0.5875% | 3,088 |
| Net loans and leases to total assets | 31.2329% | 5,617 |
| Net loans and leases to deposits | 38.4707% | 5,590 |
| Net loans and leases to core deposits | 39.7948% | 5,600 |
| Total domestic deposits to total assets | 81.1863% | 4,290 |
| Equity capital to assets | 16.2912% | 460 |
| Core capital (leverage) ratio | 16.4473% | 408 |
| Tier 1 risk-based capital ratio | 40.9263% | 210 |
| Total risk-based capital ratio | 42.1836% | 208 |
| Memoranda: | ||
| Average total assets | $135,042,200 | 3,755 |
| Average earning assets | $125,846,400 | 3,725 |
| Average equity | $21,381,200 | 3,035 |
| Average total loans | $42,784,800 | 4,790 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 5,312 |
| Cost of funding earning assets | 0.3128% | 3,946 |
| Net interest margin | 2.9221% | 5,149 |
| Noninterest income to average assets | 1.0359% | 1,059 |
| Noninterest expense to average assets | 2.7736% | 3,104 |
| Loan and lease loss provision to assets | 0.0197% | 3,848 |
| Net operating income to assets | 0.9590% | 2,616 |
| Return on assets (ROA) | 0.9590% | 2,755 |
| Pretax return on assets | 0.9590% | 3,778 |
| Return on Equity (ROE) | 6.1009% | 4,024 |
| Retained earnings to average equity (ytd only) | 2.3388% | 4,517 |
| Net charge-offs to loans | -0.0374% | 5,257 |
| Credit loss provision to net charge-offs | -166.6667% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9165% | 2,297 |
| Assets per employee ($millions) | 3.7314% | 4,418 |
| Cash dividends to net income (ytd only)* | 61.6650% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 431 |
| Loan loss allowance to noncurrent loans | 385.0575% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 4,658 |
| Noncurrent loans to loans | 0.6000% | 3,213 |
| Net loans and leases to total assets | 31.6335% | 5,688 |
| Net loans and leases to deposits | 38.9848% | 5,657 |
| Net loans and leases to core deposits | 40.4911% | 5,669 |
| Total domestic deposits to total assets | 81.1433% | 4,214 |
| Equity capital to assets | 16.0993% | 541 |
| Core capital (leverage) ratio | 15.2506% | 584 |
| Tier 1 risk-based capital ratio | 38.3713% | 258 |
| Total risk-based capital ratio | 39.6275% | 254 |
| Memoranda: | ||
| Average total assets | $135,274,000 | 3,766 |
| Average earning assets | $125,753,000 | 3,738 |
| Average equity | $21,264,250 | 3,066 |
| Average total loans | $42,758,000 | 4,837 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1861% | 5,450 |
| Cost of funding earning assets | 0.3115% | 4,004 |
| Net interest margin | 2.8747% | 5,306 |
| Noninterest income to average assets | 1.0134% | 1,085 |
| Noninterest expense to average assets | 2.7200% | 3,314 |
| Loan and lease loss provision to assets | 0.0295% | 3,542 |
| Net operating income to assets | 0.9322% | 2,716 |
| Return on assets (ROA) | 0.9322% | 2,850 |
| Pretax return on assets | 0.9322% | 3,827 |
| Return on Equity (ROE) | 5.9781% | 4,056 |
| Retained earnings to average equity (ytd only) | 2.1945% | 4,474 |
| Net charge-offs to loans | 0.0235% | 3,019 |
| Credit loss provision to net charge-offs | 400.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 130.4000% | 459 |
| Efficiency ratio | 73.8782% | 2,376 |
| Assets per employee ($millions) | 3.8532% | 4,162 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3262% | 446 |
| Loan loss allowance to noncurrent loans | 431.4410% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 4,847 |
| Noncurrent loans to loans | 0.5392% | 3,460 |
| Net loans and leases to total assets | 29.9069% | 5,781 |
| Net loans and leases to deposits | 36.4649% | 5,778 |
| Net loans and leases to core deposits | 37.8102% | 5,788 |
| Total domestic deposits to total assets | 82.0155% | 3,990 |
| Equity capital to assets | 15.5586% | 615 |
| Core capital (leverage) ratio | 15.1033% | 593 |
| Tier 1 risk-based capital ratio | 38.1277% | 263 |
| Total risk-based capital ratio | 39.3845% | 261 |
| Memoranda: | ||
| Average total assets | $135,589,000 | 3,787 |
| Average earning assets | $125,857,670 | 3,763 |
| Average equity | $21,143,670 | 3,081 |
| Average total loans | $42,511,330 | 4,882 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 5,543 |
| Cost of funding earning assets | 0.3159% | 3,999 |
| Net interest margin | 2.8370% | 5,417 |
| Noninterest income to average assets | 0.9700% | 1,149 |
| Noninterest expense to average assets | 2.7666% | 3,195 |
| Loan and lease loss provision to assets | 0.0597% | 2,757 |
| Net operating income to assets | 0.7700% | 3,396 |
| Return on assets (ROA) | 0.7700% | 3,501 |
| Pretax return on assets | 0.7700% | 4,305 |
| Return on Equity (ROE) | 4.9320% | 4,516 |
| Retained earnings to average equity (ytd only) | 1.1087% | 4,800 |
| Net charge-offs to loans | 0.1411% | 1,263 |
| Credit loss provision to net charge-offs | 133.3333% | 1,346 |
| Earnings coverage of net charge-offs (x) | 18.5333% | 1,539 |
| Efficiency ratio | 76.9295% | 2,053 |
| Assets per employee ($millions) | 3.6754% | 4,506 |
| Cash dividends to net income (ytd only)* | 77.5194% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 506 |
| Loan loss allowance to noncurrent loans | 228.5047% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 4,311 |
| Noncurrent loans to loans | 1.0082% | 2,366 |
| Net loans and leases to total assets | 30.4988% | 5,815 |
| Net loans and leases to deposits | 37.1930% | 5,804 |
| Net loans and leases to core deposits | 39.8852% | 5,771 |
| Total domestic deposits to total assets | 82.0015% | 4,228 |
| Equity capital to assets | 15.5726% | 588 |
| Core capital (leverage) ratio | 15.2197% | 570 |
| Tier 1 risk-based capital ratio | 37.1804% | 285 |
| Total risk-based capital ratio | 38.4362% | 282 |
| Memoranda: | ||
| Average total assets | $134,026,500 | 3,834 |
| Average earning assets | $124,075,500 | 3,829 |
| Average equity | $20,924,500 | 3,106 |
| Average total loans | $42,530,500 | 4,917 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2380% | 5,458 |
| Cost of funding earning assets | 0.3218% | 4,008 |
| Net interest margin | 2.9162% | 5,308 |
| Noninterest income to average assets | 1.0332% | 1,106 |
| Noninterest expense to average assets | 2.6761% | 3,666 |
| Loan and lease loss provision to assets | 0.0375% | 3,596 |
| Net operating income to assets | 1.0212% | 2,252 |
| Return on assets (ROA) | 1.0212% | 2,330 |
| Pretax return on assets | 1.0212% | 3,376 |
| Return on Equity (ROE) | 6.6230% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.2401% | 4,442 |
| Net charge-offs to loans | 0.1799% | 1,596 |
| Credit loss provision to net charge-offs | 63.2911% | 3,220 |
| Earnings coverage of net charge-offs (x) | 17.8481% | 2,046 |
| Efficiency ratio | 71.6526% | 2,957 |
| Assets per employee ($millions) | 3.4754% | 4,868 |
| Cash dividends to net income (ytd only)* | 66.1765% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2836% | 528 |
| Loan loss allowance to noncurrent loans | 195.7746% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 4,087 |
| Noncurrent loans to loans | 1.1664% | 2,030 |
| Net loans and leases to total assets | 31.5264% | 5,847 |
| Net loans and leases to deposits | 38.4722% | 5,824 |
| Net loans and leases to core deposits | 40.2718% | 5,813 |
| Total domestic deposits to total assets | 81.9459% | 4,180 |
| Equity capital to assets | 15.6530% | 569 |
| Core capital (leverage) ratio | 15.4371% | 545 |
| Tier 1 risk-based capital ratio | 37.5441% | 268 |
| Total risk-based capital ratio | 38.8012% | 264 |
| Memoranda: | ||
| Average total assets | $133,180,000 | 3,826 |
| Average earning assets | $123,377,800 | 3,809 |
| Average equity | $20,534,600 | 3,117 |
| Average total loans | $43,903,200 | 4,860 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 5,563 |
| Cost of funding earning assets | 0.3214% | 4,085 |
| Net interest margin | 2.8971% | 5,419 |
| Noninterest income to average assets | 1.0270% | 1,124 |
| Noninterest expense to average assets | 2.7453% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9741% | 2,602 |
| Return on assets (ROA) | 0.9741% | 2,682 |
| Pretax return on assets | 0.9741% | 3,718 |
| Return on Equity (ROE) | 6.3412% | 3,987 |
| Retained earnings to average equity (ytd only) | 2.4389% | 4,654 |
| Net charge-offs to loans | 0.0814% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 36.1103% | 1,332 |
| Efficiency ratio | 73.8114% | 2,592 |
| Assets per employee ($millions) | 3.4924% | 4,800 |
| Cash dividends to net income (ytd only)* | 61.5383% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2169% | 643 |
| Loan loss allowance to noncurrent loans | 223.1121% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 4,448 |
| Noncurrent loans to loans | 0.9936% | 2,505 |
| Net loans and leases to total assets | 32.4053% | 5,911 |
| Net loans and leases to deposits | 39.6892% | 5,877 |
| Net loans and leases to core deposits | 41.5008% | 5,867 |
| Total domestic deposits to total assets | 81.6476% | 4,275 |
| Equity capital to assets | 15.7219% | 611 |
| Core capital (leverage) ratio | 15.3888% | 577 |
| Tier 1 risk-based capital ratio | 35.3339% | 338 |
| Total risk-based capital ratio | 36.5892% | 338 |
| Memoranda: | ||
| Average total assets | $133,459,000 | 3,872 |
| Average earning assets | $124,027,500 | 3,850 |
| Average equity | $20,500,250 | 3,151 |
| Average total loans | $44,227,000 | 4,907 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1630% | 5,670 |
| Cost of funding earning assets | 0.3208% | 4,146 |
| Net interest margin | 2.8422% | 5,540 |
| Noninterest income to average assets | 0.9768% | 1,229 |
| Noninterest expense to average assets | 2.7538% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8735% | 3,024 |
| Return on assets (ROA) | 0.8735% | 3,131 |
| Pretax return on assets | 0.8735% | 4,055 |
| Return on Equity (ROE) | 5.7315% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.8058% | 4,794 |
| Net charge-offs to loans | 0.1354% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.4667% | 1,747 |
| Efficiency ratio | 75.9175% | 2,372 |
| Assets per employee ($millions) | 3.4484% | 4,894 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 732 |
| Loan loss allowance to noncurrent loans | 176.9091% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 4,281 |
| Noncurrent loans to loans | 1.2430% | 2,170 |
| Net loans and leases to total assets | 32.1783% | 5,969 |
| Net loans and leases to deposits | 39.0743% | 5,936 |
| Net loans and leases to core deposits | 40.5092% | 5,941 |
| Total domestic deposits to total assets | 82.3516% | 4,171 |
| Equity capital to assets | 15.1828% | 669 |
| Core capital (leverage) ratio | 14.9702% | 620 |
| Tier 1 risk-based capital ratio | 34.7119% | 372 |
| Total risk-based capital ratio | 35.9671% | 370 |
| Memoranda: | ||
| Average total assets | $133,707,670 | 3,897 |
| Average earning assets | $124,690,000 | 3,865 |
| Average equity | $20,378,670 | 3,177 |
| Average total loans | $44,309,000 | 4,940 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 5,687 |
| Cost of funding earning assets | 0.3221% | 4,197 |
| Net interest margin | 2.8538% | 5,540 |
| Noninterest income to average assets | 0.9361% | 1,280 |
| Noninterest expense to average assets | 2.7603% | 3,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8341% | 3,089 |
| Return on assets (ROA) | 0.8341% | 3,217 |
| Pretax return on assets | 0.8341% | 4,113 |
| Return on Equity (ROE) | 5.4621% | 4,302 |
| Retained earnings to average equity (ytd only) | 1.5325% | 4,866 |
| Net charge-offs to loans | -0.1263% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7947% | 2,377 |
| Assets per employee ($millions) | 3.4682% | 4,951 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3131% | 695 |
| Loan loss allowance to noncurrent loans | 120.0946% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 3,615 |
| Noncurrent loans to loans | 1.9261% | 1,388 |
| Net loans and leases to total assets | 31.7216% | 6,008 |
| Net loans and leases to deposits | 38.5341% | 5,968 |
| Net loans and leases to core deposits | 40.6447% | 5,952 |
| Total domestic deposits to total assets | 82.3208% | 4,407 |
| Equity capital to assets | 15.2402% | 671 |
| Core capital (leverage) ratio | 15.0463% | 602 |
| Tier 1 risk-based capital ratio | 34.8120% | 368 |
| Total risk-based capital ratio | 36.0688% | 366 |
| Memoranda: | ||
| Average total assets | $133,317,500 | 3,931 |
| Average earning assets | $124,183,500 | 3,903 |
| Average equity | $20,358,500 | 3,193 |
| Average total loans | $44,339,000 | 4,971 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 5,393 |
| Cost of funding earning assets | 0.3453% | 4,302 |
| Net interest margin | 3.1257% | 5,145 |
| Noninterest income to average assets | 1.0984% | 1,007 |
| Noninterest expense to average assets | 2.8563% | 3,276 |
| Loan and lease loss provision to assets | 0.0887% | 2,695 |
| Net operating income to assets | 1.0513% | 2,154 |
| Return on assets (ROA) | 1.0513% | 2,223 |
| Pretax return on assets | 1.0513% | 3,296 |
| Return on Equity (ROE) | 6.9065% | 3,685 |
| Retained earnings to average equity (ytd only) | 1.3327% | 5,178 |
| Net charge-offs to loans | 0.2590% | 1,663 |
| Credit loss provision to net charge-offs | 95.0413% | 2,532 |
| Earnings coverage of net charge-offs (x) | 12.2149% | 2,404 |
| Efficiency ratio | 71.4727% | 3,295 |
| Assets per employee ($millions) | 3.4572% | 4,968 |
| Cash dividends to net income (ytd only)* | 80.7043% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 780 |
| Loan loss allowance to noncurrent loans | 228.9954% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 4,715 |
| Noncurrent loans to loans | 0.9787% | 2,882 |
| Net loans and leases to total assets | 33.3034% | 6,069 |
| Net loans and leases to deposits | 40.4456% | 6,021 |
| Net loans and leases to core deposits | 41.8555% | 6,050 |
| Total domestic deposits to total assets | 82.3413% | 4,297 |
| Equity capital to assets | 15.3021% | 650 |
| Core capital (leverage) ratio | 15.2899% | 563 |
| Tier 1 risk-based capital ratio | 31.6789% | 443 |
| Total risk-based capital ratio | 32.9327% | 430 |
| Memoranda: | ||
| Average total assets | $129,645,000 | 3,981 |
| Average earning assets | $120,195,800 | 3,962 |
| Average equity | $19,735,000 | 3,189 |
| Average total loans | $46,716,600 | 4,928 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 5,333 |
| Cost of funding earning assets | 0.3510% | 4,333 |
| Net interest margin | 3.1746% | 5,046 |
| Noninterest income to average assets | 1.1072% | 991 |
| Noninterest expense to average assets | 2.9099% | 3,084 |
| Loan and lease loss provision to assets | 0.0877% | 2,598 |
| Net operating income to assets | 1.0494% | 2,239 |
| Return on assets (ROA) | 1.0494% | 2,300 |
| Pretax return on assets | 1.0494% | 3,381 |
| Return on Equity (ROE) | 6.9031% | 3,750 |
| Retained earnings to average equity (ytd only) | 1.4729% | 5,307 |
| Net charge-offs to loans | 0.2542% | 1,521 |
| Credit loss provision to net charge-offs | 94.4444% | 2,350 |
| Earnings coverage of net charge-offs (x) | 12.2442% | 2,340 |
| Efficiency ratio | 71.9021% | 3,198 |
| Assets per employee ($millions) | 3.4214% | 5,012 |
| Cash dividends to net income (ytd only)* | 78.6625% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 972 |
| Loan loss allowance to noncurrent loans | 172.9310% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,973 |
| Noncurrent loans to loans | 1.2618% | 2,532 |
| Net loans and leases to total assets | 34.5824% | 6,092 |
| Net loans and leases to deposits | 42.1229% | 6,042 |
| Net loans and leases to core deposits | 43.6130% | 6,057 |
| Total domestic deposits to total assets | 82.0989% | 4,448 |
| Equity capital to assets | 15.3130% | 672 |
| Core capital (leverage) ratio | 15.3789% | 566 |
| Tier 1 risk-based capital ratio | 31.1041% | 479 |
| Total risk-based capital ratio | 32.3583% | 470 |
| Memoranda: | ||
| Average total assets | $129,212,750 | 4,023 |
| Average earning assets | $119,656,500 | 4,000 |
| Average equity | $19,643,000 | 3,207 |
| Average total loans | $47,207,000 | 4,964 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5698% | 5,235 |
| Cost of funding earning assets | 0.3540% | 4,393 |
| Net interest margin | 3.2158% | 4,892 |
| Noninterest income to average assets | 1.1028% | 973 |
| Noninterest expense to average assets | 2.9284% | 3,073 |
| Loan and lease loss provision to assets | 0.1086% | 2,204 |
| Net operating income to assets | 1.0392% | 2,167 |
| Return on assets (ROA) | 1.0392% | 2,235 |
| Pretax return on assets | 1.0392% | 3,327 |
| Return on Equity (ROE) | 6.8527% | 3,695 |
| Retained earnings to average equity (ytd only) | 0.7160% | 5,450 |
| Net charge-offs to loans | 0.3234% | 1,256 |
| Credit loss provision to net charge-offs | 90.9091% | 2,158 |
| Earnings coverage of net charge-offs (x) | 9.6104% | 2,342 |
| Efficiency ratio | 71.8417% | 3,373 |
| Assets per employee ($millions) | 3.4276% | 5,001 |
| Cash dividends to net income (ytd only)* | 89.5522% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1531% | 1,083 |
| Loan loss allowance to noncurrent loans | 306.1162% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 4,735 |
| Noncurrent loans to loans | 0.7033% | 3,948 |
| Net loans and leases to total assets | 34.9259% | 6,108 |
| Net loans and leases to deposits | 42.3755% | 6,055 |
| Net loans and leases to core deposits | 43.5279% | 6,088 |
| Total domestic deposits to total assets | 82.4200% | 4,497 |
| Equity capital to assets | 15.1754% | 663 |
| Core capital (leverage) ratio | 15.3357% | 552 |
| Tier 1 risk-based capital ratio | 31.1467% | 478 |
| Total risk-based capital ratio | 32.3979% | 472 |
| Memoranda: | ||
| Average total assets | $128,945,670 | 4,055 |
| Average earning assets | $119,222,670 | 4,030 |
| Average equity | $19,554,330 | 3,219 |
| Average total loans | $47,621,000 | 4,979 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 5,113 |
| Cost of funding earning assets | 0.3575% | 4,467 |
| Net interest margin | 3.2613% | 4,700 |
| Noninterest income to average assets | 1.0694% | 973 |
| Noninterest expense to average assets | 2.9401% | 3,081 |
| Loan and lease loss provision to assets | 0.1091% | 2,114 |
| Net operating income to assets | 1.0351% | 2,065 |
| Return on assets (ROA) | 1.0351% | 2,139 |
| Pretax return on assets | 1.0351% | 3,191 |
| Return on Equity (ROE) | 6.8283% | 3,575 |
| Retained earnings to average equity (ytd only) | 0.6581% | 5,329 |
| Net charge-offs to loans | 0.3237% | 1,096 |
| Credit loss provision to net charge-offs | 89.7436% | 1,802 |
| Earnings coverage of net charge-offs (x) | 9.4103% | 1,935 |
| Efficiency ratio | 71.9847% | 3,490 |
| Assets per employee ($millions) | 3.2620% | 5,420 |
| Cash dividends to net income (ytd only)* | 90.3614% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 1,309 |
| Loan loss allowance to noncurrent loans | 309.8765% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 4,872 |
| Noncurrent loans to loans | 0.6804% | 4,165 |
| Net loans and leases to total assets | 35.7238% | 6,079 |
| Net loans and leases to deposits | 43.1893% | 6,013 |
| Net loans and leases to core deposits | 45.4534% | 6,023 |
| Total domestic deposits to total assets | 82.7145% | 4,711 |
| Equity capital to assets | 14.9557% | 683 |
| Core capital (leverage) ratio | 15.4533% | 546 |
| Tier 1 risk-based capital ratio | 29.9974% | 529 |
| Total risk-based capital ratio | 31.2516% | 521 |
| Memoranda: | ||
| Average total assets | $128,293,500 | 4,095 |
| Average earning assets | $118,604,500 | 4,080 |
| Average equity | $19,448,500 | 3,229 |
| Average total loans | $48,185,500 | 5,001 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 4,555 |
| Cost of funding earning assets | 0.3917% | 4,737 |
| Net interest margin | 3.4838% | 3,969 |
| Noninterest income to average assets | 1.2249% | 934 |
| Noninterest expense to average assets | 2.8864% | 3,413 |
| Loan and lease loss provision to assets | 0.1540% | 2,351 |
| Net operating income to assets | 1.3875% | 1,049 |
| Return on assets (ROA) | 1.3875% | 1,088 |
| Pretax return on assets | 1.3875% | 1,832 |
| Return on Equity (ROE) | 8.8774% | 2,604 |
| Retained earnings to average equity (ytd only) | 1.8038% | 4,949 |
| Net charge-offs to loans | 0.4299% | 1,550 |
| Credit loss provision to net charge-offs | 90.2778% | 2,747 |
| Earnings coverage of net charge-offs (x) | 9.0370% | 2,567 |
| Efficiency ratio | 65.1864% | 4,700 |
| Assets per employee ($millions) | 3.0758% | 5,717 |
| Cash dividends to net income (ytd only)* | 79.6813% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 1,401 |
| Loan loss allowance to noncurrent loans | 285.5524% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 4,867 |
| Noncurrent loans to loans | 0.7240% | 4,156 |
| Net loans and leases to total assets | 37.8620% | 6,105 |
| Net loans and leases to deposits | 45.9556% | 6,015 |
| Net loans and leases to core deposits | 47.7165% | 6,049 |
| Total domestic deposits to total assets | 82.3881% | 4,742 |
| Equity capital to assets | 15.3702% | 607 |
| Core capital (leverage) ratio | 15.7395% | 502 |
| Tier 1 risk-based capital ratio | 29.7260% | 510 |
| Total risk-based capital ratio | 30.9798% | 504 |
| Memoranda: | ||
| Average total assets | $126,626,800 | 4,134 |
| Average earning assets | $116,423,800 | 4,124 |
| Average equity | $19,791,800 | 3,176 |
| Average total loans | $50,243,800 | 4,952 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 4,410 |
| Cost of funding earning assets | 0.3987% | 4,826 |
| Net interest margin | 3.5264% | 3,768 |
| Noninterest income to average assets | 1.2380% | 961 |
| Noninterest expense to average assets | 2.8600% | 3,444 |
| Loan and lease loss provision to assets | 0.1262% | 2,718 |
| Net operating income to assets | 1.4894% | 921 |
| Return on assets (ROA) | 1.4894% | 965 |
| Pretax return on assets | 1.4894% | 1,641 |
| Return on Equity (ROE) | 9.4900% | 2,399 |
| Retained earnings to average equity (ytd only) | 3.4582% | 4,228 |
| Net charge-offs to loans | 0.2634% | 2,237 |
| Credit loss provision to net charge-offs | 120.0000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 15.3600% | 1,872 |
| Efficiency ratio | 63.9013% | 4,811 |
| Assets per employee ($millions) | 3.1138% | 5,652 |
| Cash dividends to net income (ytd only)* | 63.5594% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 1,479 |
| Loan loss allowance to noncurrent loans | 335.4633% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 5,132 |
| Noncurrent loans to loans | 0.6287% | 4,623 |
| Net loans and leases to total assets | 39.1282% | 6,096 |
| Net loans and leases to deposits | 47.8324% | 5,973 |
| Net loans and leases to core deposits | 49.9554% | 6,018 |
| Total domestic deposits to total assets | 81.8028% | 4,994 |
| Equity capital to assets | 15.6963% | 596 |
| Core capital (leverage) ratio | 15.8638% | 513 |
| Tier 1 risk-based capital ratio | 29.8854% | 522 |
| Total risk-based capital ratio | 31.1389% | 515 |
| Memoranda: | ||
| Average total assets | $126,756,500 | 4,184 |
| Average earning assets | $116,376,500 | 4,168 |
| Average equity | $19,894,000 | 3,197 |
| Average total loans | $50,616,000 | 4,979 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 4,362 |
| Cost of funding earning assets | 0.4036% | 4,909 |
| Net interest margin | 3.5250% | 3,680 |
| Noninterest income to average assets | 1.2111% | 1,043 |
| Noninterest expense to average assets | 2.8002% | 3,676 |
| Loan and lease loss provision to assets | 0.0706% | 3,625 |
| Net operating income to assets | 1.5734% | 781 |
| Return on assets (ROA) | 1.5734% | 851 |
| Pretax return on assets | 1.5734% | 1,436 |
| Return on Equity (ROE) | 10.0257% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.0283% | 3,734 |
| Net charge-offs to loans | 0.2515% | 2,218 |
| Credit loss provision to net charge-offs | 70.3125% | 2,816 |
| Earnings coverage of net charge-offs (x) | 16.3750% | 1,672 |
| Efficiency ratio | 63.0074% | 5,017 |
| Assets per employee ($millions) | 3.1560% | 5,573 |
| Cash dividends to net income (ytd only)* | 59.8205% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 1,822 |
| Loan loss allowance to noncurrent loans | 362.0072% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,283 |
| Noncurrent loans to loans | 0.5557% | 4,868 |
| Net loans and leases to total assets | 38.9726% | 6,111 |
| Net loans and leases to deposits | 47.4830% | 6,017 |
| Net loans and leases to core deposits | 49.6508% | 6,038 |
| Total domestic deposits to total assets | 82.0770% | 5,034 |
| Equity capital to assets | 15.6115% | 600 |
| Core capital (leverage) ratio | 15.4521% | 531 |
| Tier 1 risk-based capital ratio | 29.6052% | 544 |
| Total risk-based capital ratio | 30.8585% | 534 |
| Memoranda: | ||
| Average total assets | $127,491,330 | 4,195 |
| Average earning assets | $116,934,670 | 4,179 |
| Average equity | $20,008,670 | 3,206 |
| Average total loans | $50,893,000 | 4,985 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 4,546 |
| Cost of funding earning assets | 0.4082% | 5,025 |
| Net interest margin | 3.4732% | 3,814 |
| Noninterest income to average assets | 1.1864% | 1,067 |
| Noninterest expense to average assets | 2.9192% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4549% | 949 |
| Return on assets (ROA) | 1.4549% | 1,026 |
| Pretax return on assets | 1.4549% | 1,699 |
| Return on Equity (ROE) | 9.2465% | 2,382 |
| Retained earnings to average equity (ytd only) | 3.2938% | 4,273 |
| Net charge-offs to loans | 0.1405% | 2,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.8889% | 1,037 |
| Efficiency ratio | 66.7380% | 4,531 |
| Assets per employee ($millions) | 2.8685% | 6,187 |
| Cash dividends to net income (ytd only)* | 64.3777% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 2,010 |
| Loan loss allowance to noncurrent loans | 461.6438% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 5,566 |
| Noncurrent loans to loans | 0.4358% | 5,332 |
| Net loans and leases to total assets | 38.1463% | 6,141 |
| Net loans and leases to deposits | 46.4506% | 6,028 |
| Net loans and leases to core deposits | 49.9777% | 5,978 |
| Total domestic deposits to total assets | 82.1222% | 5,151 |
| Equity capital to assets | 15.6769% | 614 |
| Core capital (leverage) ratio | 15.2740% | 554 |
| Tier 1 risk-based capital ratio | 28.7021% | 599 |
| Total risk-based capital ratio | 29.9553% | 588 |
| Memoranda: | ||
| Average total assets | $128,117,000 | 4,222 |
| Average earning assets | $117,585,000 | 4,206 |
| Average equity | $20,159,000 | 3,232 |
| Average total loans | $51,235,000 | 5,016 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 4,202 |
| Cost of funding earning assets | 0.5005% | 5,217 |
| Net interest margin | 3.7973% | 3,238 |
| Noninterest income to average assets | 1.2934% | 921 |
| Noninterest expense to average assets | 3.0145% | 3,221 |
| Loan and lease loss provision to assets | 0.1587% | 3,630 |
| Net operating income to assets | 1.5521% | 828 |
| Return on assets (ROA) | 1.5521% | 908 |
| Pretax return on assets | 1.5521% | 1,511 |
| Return on Equity (ROE) | 9.8009% | 2,259 |
| Retained earnings to average equity (ytd only) | 2.2849% | 4,628 |
| Net charge-offs to loans | 0.5237% | 2,157 |
| Credit loss provision to net charge-offs | 72.9927% | 4,071 |
| Earnings coverage of net charge-offs (x) | 7.8686% | 2,515 |
| Efficiency ratio | 63.7951% | 4,927 |
| Assets per employee ($millions) | 3.1788% | 5,676 |
| Cash dividends to net income (ytd only)* | 76.6871% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 2,100 |
| Loan loss allowance to noncurrent loans | 265.2062% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 5,267 |
| Noncurrent loans to loans | 0.7430% | 4,692 |
| Net loans and leases to total assets | 40.2589% | 6,147 |
| Net loans and leases to deposits | 49.0190% | 6,030 |
| Net loans and leases to core deposits | 51.2479% | 6,068 |
| Total domestic deposits to total assets | 82.1293% | 5,051 |
| Equity capital to assets | 15.7937% | 590 |
| Core capital (leverage) ratio | 15.3510% | 525 |
| Tier 1 risk-based capital ratio | 27.9387% | 632 |
| Total risk-based capital ratio | 29.1919% | 616 |
| Memoranda: | ||
| Average total assets | $126,025,600 | 4,229 |
| Average earning assets | $113,896,200 | 4,250 |
| Average equity | $19,957,400 | 3,208 |
| Average total loans | $52,321,400 | 5,002 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 4,201 |
| Cost of funding earning assets | 0.5234% | 5,286 |
| Net interest margin | 3.8379% | 3,172 |
| Noninterest income to average assets | 1.2925% | 886 |
| Noninterest expense to average assets | 3.0283% | 3,137 |
| Loan and lease loss provision to assets | 0.1219% | 4,029 |
| Net operating income to assets | 1.5947% | 859 |
| Return on assets (ROA) | 1.5947% | 957 |
| Pretax return on assets | 1.5947% | 1,592 |
| Return on Equity (ROE) | 10.0635% | 2,322 |
| Retained earnings to average equity (ytd only) | 4.0415% | 4,044 |
| Net charge-offs to loans | 0.4967% | 2,126 |
| Credit loss provision to net charge-offs | 58.9744% | 4,175 |
| Earnings coverage of net charge-offs (x) | 8.3027% | 2,468 |
| Efficiency ratio | 63.8212% | 4,834 |
| Assets per employee ($millions) | 3.1728% | 5,688 |
| Cash dividends to net income (ytd only)* | 59.8405% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 2,342 |
| Loan loss allowance to noncurrent loans | 446.7249% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 5,796 |
| Noncurrent loans to loans | 0.4354% | 5,575 |
| Net loans and leases to total assets | 40.6368% | 6,230 |
| Net loans and leases to deposits | 49.7578% | 6,129 |
| Net loans and leases to core deposits | 52.7186% | 6,134 |
| Total domestic deposits to total assets | 81.6692% | 5,141 |
| Equity capital to assets | 16.0347% | 600 |
| Core capital (leverage) ratio | 15.5214% | 532 |
| Tier 1 risk-based capital ratio | 28.2288% | 635 |
| Total risk-based capital ratio | 29.4813% | 619 |
| Memoranda: | ||
| Average total assets | $125,744,000 | 4,278 |
| Average earning assets | $113,113,750 | 4,310 |
| Average equity | $19,926,250 | 3,250 |
| Average total loans | $52,347,000 | 5,058 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 4,119 |
| Cost of funding earning assets | 0.5498% | 5,305 |
| Net interest margin | 3.8662% | 3,058 |
| Noninterest income to average assets | 1.2955% | 841 |
| Noninterest expense to average assets | 2.9931% | 3,280 |
| Loan and lease loss provision to assets | 0.1197% | 4,033 |
| Net operating income to assets | 1.6497% | 754 |
| Return on assets (ROA) | 1.6497% | 843 |
| Pretax return on assets | 1.6497% | 1,400 |
| Return on Equity (ROE) | 10.4524% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.3872% | 3,695 |
| Net charge-offs to loans | 0.5549% | 1,924 |
| Credit loss provision to net charge-offs | 51.7241% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.6483% | 2,444 |
| Efficiency ratio | 62.8476% | 5,108 |
| Assets per employee ($millions) | 3.1099% | 5,825 |
| Cash dividends to net income (ytd only)* | 58.0271% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9840% | 2,269 |
| Loan loss allowance to noncurrent loans | 303.2258% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 5,645 |
| Noncurrent loans to loans | 0.6543% | 5,200 |
| Net loans and leases to total assets | 41.0645% | 6,265 |
| Net loans and leases to deposits | 50.2810% | 6,163 |
| Net loans and leases to core deposits | 52.5859% | 6,192 |
| Total domestic deposits to total assets | 81.6700% | 5,242 |
| Equity capital to assets | 16.1338% | 553 |
| Core capital (leverage) ratio | 15.4739% | 527 |
| Tier 1 risk-based capital ratio | 28.5651% | 605 |
| Total risk-based capital ratio | 29.8185% | 590 |
| Memoranda: | ||
| Average total assets | $125,354,670 | 4,306 |
| Average earning assets | $112,410,670 | 4,354 |
| Average equity | $19,785,000 | 3,254 |
| Average total loans | $52,264,000 | 5,100 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 3,940 |
| Cost of funding earning assets | 0.5903% | 5,213 |
| Net interest margin | 3.9030% | 2,906 |
| Noninterest income to average assets | 1.2620% | 894 |
| Noninterest expense to average assets | 2.9022% | 3,613 |
| Loan and lease loss provision to assets | 0.0795% | 4,404 |
| Net operating income to assets | 1.7483% | 664 |
| Return on assets (ROA) | 1.7483% | 740 |
| Pretax return on assets | 1.7483% | 1,199 |
| Return on Equity (ROE) | 11.2002% | 1,942 |
| Retained earnings to average equity (ytd only) | 5.0910% | 3,500 |
| Net charge-offs to loans | 0.6496% | 1,504 |
| Credit loss provision to net charge-offs | 29.4118% | 3,630 |
| Earnings coverage of net charge-offs (x) | 6.7647% | 2,159 |
| Efficiency ratio | 61.3575% | 5,391 |
| Assets per employee ($millions) | 3.1928% | 5,788 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 2,314 |
| Loan loss allowance to noncurrent loans | 293.8028% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 5,720 |
| Noncurrent loans to loans | 0.6855% | 5,289 |
| Net loans and leases to total assets | 39.7308% | 6,369 |
| Net loans and leases to deposits | 48.1665% | 6,279 |
| Net loans and leases to core deposits | 52.8074% | 6,139 |
| Total domestic deposits to total assets | 82.4864% | 5,133 |
| Equity capital to assets | 15.4065% | 677 |
| Core capital (leverage) ratio | 15.1992% | 573 |
| Tier 1 risk-based capital ratio | 28.2363% | 622 |
| Total risk-based capital ratio | 29.4901% | 613 |
| Memoranda: | ||
| Average total assets | $125,833,500 | 4,329 |
| Average earning assets | $111,812,500 | 4,390 |
| Average equity | $19,642,500 | 3,268 |
| Average total loans | $52,337,500 | 5,132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 4,287 |
| Cost of funding earning assets | 0.7966% | 4,891 |
| Net interest margin | 3.8932% | 3,363 |
| Noninterest income to average assets | 1.3776% | 676 |
| Noninterest expense to average assets | 3.0169% | 3,533 |
| Loan and lease loss provision to assets | 0.0650% | 5,796 |
| Net operating income to assets | 1.7433% | 509 |
| Return on assets (ROA) | 1.7433% | 545 |
| Pretax return on assets | 1.7433% | 904 |
| Return on Equity (ROE) | 10.7795% | 1,773 |
| Retained earnings to average equity (ytd only) | -1.7840% | 6,128 |
| Net charge-offs to loans | 0.2379% | 4,291 |
| Credit loss provision to net charge-offs | 65.0407% | 5,027 |
| Earnings coverage of net charge-offs (x) | 18.0894% | 1,231 |
| Efficiency ratio | 62.5232% | 5,378 |
| Assets per employee ($millions) | 3.0989% | 5,897 |
| Cash dividends to net income (ytd only)* | 116.5501% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 2,052 |
| Loan loss allowance to noncurrent loans | 227.4227% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 5,543 |
| Noncurrent loans to loans | 0.9170% | 4,857 |
| Net loans and leases to total assets | 41.7797% | 6,403 |
| Net loans and leases to deposits | 50.8618% | 6,300 |
| Net loans and leases to core deposits | 55.0883% | 6,223 |
| Total domestic deposits to total assets | 82.1435% | 5,082 |
| Equity capital to assets | 15.8195% | 605 |
| Core capital (leverage) ratio | 15.2806% | 562 |
| Tier 1 risk-based capital ratio | 28.1574% | 613 |
| Total risk-based capital ratio | 29.4108% | 603 |
| Memoranda: | ||
| Average total assets | $123,039,200 | 4,320 |
| Average earning assets | $108,960,200 | 4,420 |
| Average equity | $19,898,800 | 3,166 |
| Average total loans | $51,703,400 | 5,202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 4,364 |
| Cost of funding earning assets | 0.8376% | 4,877 |
| Net interest margin | 3.8806% | 3,479 |
| Noninterest income to average assets | 1.3896% | 678 |
| Noninterest expense to average assets | 3.1538% | 2,981 |
| Loan and lease loss provision to assets | 0.0326% | 6,034 |
| Net operating income to assets | 1.6589% | 697 |
| Return on assets (ROA) | 1.6589% | 758 |
| Pretax return on assets | 1.6589% | 1,234 |
| Return on Equity (ROE) | 10.2011% | 2,131 |
| Retained earnings to average equity (ytd only) | -2.4835% | 6,360 |
| Net charge-offs to loans | 0.2801% | 3,682 |
| Credit loss provision to net charge-offs | 27.7778% | 5,442 |
| Earnings coverage of net charge-offs (x) | 14.4256% | 1,534 |
| Efficiency ratio | 65.0907% | 4,884 |
| Assets per employee ($millions) | 3.0961% | 5,906 |
| Cash dividends to net income (ytd only)* | 124.3457% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 2,208 |
| Loan loss allowance to noncurrent loans | 275.5155% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 5,849 |
| Noncurrent loans to loans | 0.7438% | 5,391 |
| Net loans and leases to total assets | 41.2587% | 6,539 |
| Net loans and leases to deposits | 50.4258% | 6,479 |
| Net loans and leases to core deposits | 53.9944% | 6,458 |
| Total domestic deposits to total assets | 81.8205% | 5,155 |
| Equity capital to assets | 15.9581% | 631 |
| Core capital (leverage) ratio | 15.2490% | 616 |
| Tier 1 risk-based capital ratio | 28.6040% | 613 |
| Total risk-based capital ratio | 29.8588% | 607 |
| Memoranda: | ||
| Average total assets | $122,810,250 | 4,345 |
| Average earning assets | $109,360,750 | 4,439 |
| Average equity | $19,971,250 | 3,143 |
| Average total loans | $51,406,500 | 5,258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 4,683 |
| Cost of funding earning assets | 0.8517% | 5,053 |
| Net interest margin | 3.8135% | 3,713 |
| Noninterest income to average assets | 1.3734% | 675 |
| Noninterest expense to average assets | 3.0702% | 3,357 |
| Loan and lease loss provision to assets | 0.0490% | 5,699 |
| Net operating income to assets | 1.6690% | 639 |
| Return on assets (ROA) | 1.6690% | 684 |
| Pretax return on assets | 1.6690% | 1,116 |
| Return on Equity (ROE) | 10.1993% | 2,052 |
| Retained earnings to average equity (ytd only) | 4.2114% | 3,520 |
| Net charge-offs to loans | 0.2659% | 3,558 |
| Credit loss provision to net charge-offs | 44.1176% | 4,729 |
| Earnings coverage of net charge-offs (x) | 15.4706% | 1,403 |
| Efficiency ratio | 64.1201% | 5,215 |
| Assets per employee ($millions) | 3.2069% | 5,626 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 2,050 |
| Loan loss allowance to noncurrent loans | 318.3908% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 6,006 |
| Noncurrent loans to loans | 0.6699% | 5,567 |
| Net loans and leases to total assets | 40.6523% | 6,691 |
| Net loans and leases to deposits | 49.8368% | 6,611 |
| Net loans and leases to core deposits | 53.2209% | 6,604 |
| Total domestic deposits to total assets | 81.5708% | 5,328 |
| Equity capital to assets | 16.3647% | 565 |
| Core capital (leverage) ratio | 15.9386% | 517 |
| Tier 1 risk-based capital ratio | 30.0181% | 532 |
| Total risk-based capital ratio | 31.2729% | 523 |
| Memoranda: | ||
| Average total assets | $122,466,000 | 4,377 |
| Average earning assets | $109,663,000 | 4,460 |
| Average equity | $20,040,670 | 3,118 |
| Average total loans | $51,153,670 | 5,310 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 4,666 |
| Cost of funding earning assets | 0.8660% | 5,163 |
| Net interest margin | 3.8000% | 3,617 |
| Noninterest income to average assets | 1.3106% | 747 |
| Noninterest expense to average assets | 2.9579% | 3,827 |
| Loan and lease loss provision to assets | 0.0495% | 5,381 |
| Net operating income to assets | 1.7365% | 548 |
| Return on assets (ROA) | 1.7365% | 576 |
| Pretax return on assets | 1.7365% | 914 |
| Return on Equity (ROE) | 10.6115% | 1,871 |
| Retained earnings to average equity (ytd only) | 4.5593% | 3,443 |
| Net charge-offs to loans | 0.1419% | 3,653 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 30.0556% | 828 |
| Efficiency ratio | 62.3521% | 5,624 |
| Assets per employee ($millions) | 3.2031% | 5,705 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2466% | 1,865 |
| Loan loss allowance to noncurrent loans | 267.6815% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 5,936 |
| Noncurrent loans to loans | 0.8393% | 5,360 |
| Net loans and leases to total assets | 39.8112% | 6,793 |
| Net loans and leases to deposits | 48.5584% | 6,719 |
| Net loans and leases to core deposits | 52.3737% | 6,662 |
| Total domestic deposits to total assets | 81.9864% | 5,322 |
| Equity capital to assets | 15.9932% | 578 |
| Core capital (leverage) ratio | 16.1315% | 476 |
| Tier 1 risk-based capital ratio | 29.5264% | 542 |
| Total risk-based capital ratio | 30.7821% | 532 |
| Memoranda: | ||
| Average total assets | $121,165,000 | 4,444 |
| Average earning assets | $109,474,500 | 4,489 |
| Average equity | $19,827,500 | 3,142 |
| Average total loans | $50,755,000 | 5,371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 4,643 |
| Cost of funding earning assets | 1.0310% | 5,527 |
| Net interest margin | 3.9505% | 3,257 |
| Noninterest income to average assets | 1.2729% | 909 |
| Noninterest expense to average assets | 3.0262% | 3,746 |
| Loan and lease loss provision to assets | 0.0085% | 6,994 |
| Net operating income to assets | 1.7837% | 435 |
| Return on assets (ROA) | 1.7837% | 471 |
| Pretax return on assets | 1.7837% | 791 |
| Return on Equity (ROE) | 10.6435% | 1,711 |
| Retained earnings to average equity (ytd only) | 3.0734% | 3,703 |
| Net charge-offs to loans | 0.1134% | 5,749 |
| Credit loss provision to net charge-offs | 17.2414% | 6,577 |
| Earnings coverage of net charge-offs (x) | 36.5345% | 625 |
| Efficiency ratio | 62.8050% | 5,553 |
| Assets per employee ($millions) | 3.0105% | 6,079 |
| Cash dividends to net income (ytd only)* | 71.1238% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2653% | 1,748 |
| Loan loss allowance to noncurrent loans | 403.8732% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 6,184 |
| Noncurrent loans to loans | 0.5609% | 5,929 |
| Net loans and leases to total assets | 42.1496% | 6,842 |
| Net loans and leases to deposits | 51.8846% | 6,753 |
| Net loans and leases to core deposits | 54.6890% | 6,772 |
| Total domestic deposits to total assets | 81.2372% | 5,439 |
| Equity capital to assets | 16.7587% | 486 |
| Core capital (leverage) ratio | 16.2772% | 480 |
| Tier 1 risk-based capital ratio | 29.5562% | 526 |
| Total risk-based capital ratio | 30.8125% | 513 |
| Memoranda: | ||
| Average total assets | $118,235,600 | 4,515 |
| Average earning assets | $106,113,800 | 4,562 |
| Average equity | $19,815,000 | 3,173 |
| Average total loans | $51,130,000 | 5,439 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 4,451 |
| Cost of funding earning assets | 1.0730% | 5,581 |
| Net interest margin | 4.0021% | 3,101 |
| Noninterest income to average assets | 1.2293% | 916 |
| Noninterest expense to average assets | 3.0135% | 3,694 |
| Loan and lease loss provision to assets | 0.0113% | 6,914 |
| Net operating income to assets | 1.7775% | 537 |
| Return on assets (ROA) | 1.7775% | 585 |
| Pretax return on assets | 1.7775% | 966 |
| Return on Equity (ROE) | 10.6061% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.5608% | 3,298 |
| Net charge-offs to loans | 0.2029% | 4,725 |
| Credit loss provision to net charge-offs | 12.8205% | 6,312 |
| Earnings coverage of net charge-offs (x) | 20.3713% | 1,170 |
| Efficiency ratio | 62.7520% | 5,479 |
| Assets per employee ($millions) | 3.0034% | 6,140 |
| Cash dividends to net income (ytd only)* | 56.9981% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2344% | 1,733 |
| Loan loss allowance to noncurrent loans | 352.9781% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 6,293 |
| Noncurrent loans to loans | 0.6330% | 5,942 |
| Net loans and leases to total assets | 41.0094% | 7,025 |
| Net loans and leases to deposits | 50.6305% | 6,974 |
| Net loans and leases to core deposits | 53.3418% | 6,990 |
| Total domestic deposits to total assets | 80.9974% | 5,363 |
| Equity capital to assets | 16.8617% | 534 |
| Core capital (leverage) ratio | 16.2564% | 520 |
| Tier 1 risk-based capital ratio | 29.6224% | 533 |
| Total risk-based capital ratio | 30.8846% | 518 |
| Memoranda: | ||
| Average total assets | $118,442,500 | 4,569 |
| Average earning assets | $105,743,000 | 4,617 |
| Average equity | $19,849,750 | 3,207 |
| Average total loans | $51,254,000 | 5,519 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 4,196 |
| Cost of funding earning assets | 1.1074% | 5,631 |
| Net interest margin | 4.0422% | 2,830 |
| Noninterest income to average assets | 1.1486% | 981 |
| Noninterest expense to average assets | 3.0286% | 3,603 |
| Loan and lease loss provision to assets | 0.0170% | 6,752 |
| Net operating income to assets | 1.7136% | 574 |
| Return on assets (ROA) | 1.7136% | 629 |
| Pretax return on assets | 1.7136% | 1,036 |
| Return on Equity (ROE) | 10.2465% | 2,008 |
| Retained earnings to average equity (ytd only) | 4.1595% | 3,421 |
| Net charge-offs to loans | 0.1358% | 4,858 |
| Credit loss provision to net charge-offs | 28.5714% | 5,756 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 938 |
| Efficiency ratio | 63.6364% | 5,403 |
| Assets per employee ($millions) | 2.9854% | 6,166 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2820% | 1,619 |
| Loan loss allowance to noncurrent loans | 283.7379% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 6,137 |
| Noncurrent loans to loans | 0.8043% | 5,665 |
| Net loans and leases to total assets | 41.9197% | 7,046 |
| Net loans and leases to deposits | 51.5228% | 7,001 |
| Net loans and leases to core deposits | 53.3628% | 7,064 |
| Total domestic deposits to total assets | 81.3615% | 5,262 |
| Equity capital to assets | 16.5927% | 585 |
| Core capital (leverage) ratio | 15.9968% | 568 |
| Tier 1 risk-based capital ratio | 29.1580% | 561 |
| Total risk-based capital ratio | 30.4148% | 546 |
| Memoranda: | ||
| Average total assets | $117,878,000 | 4,620 |
| Average earning assets | $105,288,000 | 4,659 |
| Average equity | $19,714,000 | 3,212 |
| Average total loans | $51,541,000 | 5,539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3176% | 3,459 |
| Cost of funding earning assets | 1.1395% | 5,708 |
| Net interest margin | 4.1781% | 2,129 |
| Noninterest income to average assets | 1.1750% | 887 |
| Noninterest expense to average assets | 2.9272% | 3,961 |
| Loan and lease loss provision to assets | 0.0342% | 6,335 |
| Net operating income to assets | 1.9332% | 390 |
| Return on assets (ROA) | 1.9332% | 426 |
| Pretax return on assets | 1.9332% | 689 |
| Return on Equity (ROE) | 11.5134% | 1,639 |
| Retained earnings to average equity (ytd only) | 5.4109% | 2,927 |
| Net charge-offs to loans | -0.0851% | 7,490 |
| Credit loss provision to net charge-offs | -90.9091% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8046% | 6,210 |
| Assets per employee ($millions) | 3.0356% | 6,135 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3682% | 1,465 |
| Loan loss allowance to noncurrent loans | 160.7143% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 5,923 |
| Noncurrent loans to loans | 1.4736% | 4,532 |
| Net loans and leases to total assets | 42.3085% | 7,104 |
| Net loans and leases to deposits | 51.7053% | 7,059 |
| Net loans and leases to core deposits | 53.9665% | 7,107 |
| Total domestic deposits to total assets | 81.8262% | 5,144 |
| Equity capital to assets | 16.6517% | 573 |
| Core capital (leverage) ratio | 16.2210% | 548 |
| Tier 1 risk-based capital ratio | 29.1813% | 572 |
| Total risk-based capital ratio | 30.4395% | 557 |
| Memoranda: | ||
| Average total assets | $117,110,000 | 4,692 |
| Average earning assets | $104,258,000 | 4,751 |
| Average equity | $19,664,000 | 3,245 |
| Average total loans | $51,698,000 | 5,600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 3,395 |
| Cost of funding earning assets | 1.3543% | 6,126 |
| Net interest margin | 4.2861% | 1,758 |
| Noninterest income to average assets | 1.2082% | 1,055 |
| Noninterest expense to average assets | 3.1686% | 3,482 |
| Loan and lease loss provision to assets | 0.1178% | 6,465 |
| Net operating income to assets | 1.8148% | 348 |
| Return on assets (ROA) | 1.8148% | 359 |
| Pretax return on assets | 1.8148% | 617 |
| Return on Equity (ROE) | 10.9800% | 1,430 |
| Retained earnings to average equity (ytd only) | 2.8354% | 3,180 |
| Net charge-offs to loans | 0.1688% | 5,594 |
| Credit loss provision to net charge-offs | 160.9195% | 2,764 |
| Earnings coverage of net charge-offs (x) | 26.4023% | 854 |
| Efficiency ratio | 62.1145% | 6,133 |
| Assets per employee ($millions) | 2.8251% | 6,616 |
| Cash dividends to net income (ytd only)* | 74.1771% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2921% | 1,498 |
| Loan loss allowance to noncurrent loans | 135.5278% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 5,583 |
| Noncurrent loans to loans | 1.6912% | 4,108 |
| Net loans and leases to total assets | 43.9420% | 7,117 |
| Net loans and leases to deposits | 53.8165% | 7,060 |
| Net loans and leases to core deposits | 62.9240% | 7,156 |
| Total domestic deposits to total assets | 81.6516% | 5,083 |
| Equity capital to assets | 16.9334% | 560 |
| Core capital (leverage) ratio | 16.2226% | 583 |
| Tier 1 risk-based capital ratio | 28.9291% | 585 |
| Total risk-based capital ratio | 30.1864% | 569 |
| Memoranda: | ||
| Average total assets | $118,853,000 | 4,609 |
| Average earning assets | $107,953,800 | 4,629 |
| Average equity | $19,644,800 | 3,257 |
| Average total loans | $51,534,600 | 5,603 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 3,562 |
| Cost of funding earning assets | 1.4072% | 6,202 |
| Net interest margin | 4.2448% | 1,888 |
| Noninterest income to average assets | 1.1883% | 1,104 |
| Noninterest expense to average assets | 2.9952% | 4,056 |
| Loan and lease loss provision to assets | 0.1282% | 6,070 |
| Net operating income to assets | 1.9485% | 326 |
| Return on assets (ROA) | 1.9485% | 348 |
| Pretax return on assets | 1.9485% | 591 |
| Return on Equity (ROE) | 11.8591% | 1,391 |
| Retained earnings to average equity (ytd only) | 5.7532% | 2,075 |
| Net charge-offs to loans | 0.0986% | 5,685 |
| Credit loss provision to net charge-offs | 302.6316% | 1,358 |
| Earnings coverage of net charge-offs (x) | 49.0219% | 652 |
| Efficiency ratio | 59.0549% | 6,563 |
| Assets per employee ($millions) | 2.7508% | 6,733 |
| Cash dividends to net income (ytd only)* | 51.4874% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3622% | 1,218 |
| Loan loss allowance to noncurrent loans | 137.6271% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 5,596 |
| Noncurrent loans to loans | 1.7164% | 4,061 |
| Net loans and leases to total assets | 43.5751% | 7,274 |
| Net loans and leases to deposits | 53.6854% | 7,233 |
| Net loans and leases to core deposits | 62.5975% | 7,301 |
| Total domestic deposits to total assets | 81.1674% | 5,010 |
| Equity capital to assets | 17.2642% | 594 |
| Core capital (leverage) ratio | 16.3077% | 636 |
| Tier 1 risk-based capital ratio | 29.5429% | 598 |
| Total risk-based capital ratio | 30.8010% | 588 |
| Memoranda: | ||
| Average total assets | $119,608,750 | 4,606 |
| Average earning assets | $109,432,750 | 4,610 |
| Average equity | $19,652,500 | 3,295 |
| Average total loans | $51,395,250 | 5,651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 3,962 |
| Cost of funding earning assets | 1.4738% | 6,244 |
| Net interest margin | 4.1475% | 2,170 |
| Noninterest income to average assets | 1.1474% | 1,188 |
| Noninterest expense to average assets | 2.8520% | 4,724 |
| Loan and lease loss provision to assets | 0.0992% | 6,181 |
| Net operating income to assets | 2.0022% | 293 |
| Return on assets (ROA) | 2.0022% | 324 |
| Pretax return on assets | 2.0022% | 566 |
| Return on Equity (ROE) | 12.3858% | 1,314 |
| Retained earnings to average equity (ytd only) | 6.2491% | 1,907 |
| Net charge-offs to loans | 0.0779% | 5,423 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 63.5500% | 568 |
| Efficiency ratio | 57.5768% | 6,932 |
| Assets per employee ($millions) | 2.7455% | 6,748 |
| Cash dividends to net income (ytd only)* | 49.5458% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3143% | 1,087 |
| Loan loss allowance to noncurrent loans | 143.4994% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 5,663 |
| Noncurrent loans to loans | 1.6127% | 4,077 |
| Net loans and leases to total assets | 42.2250% | 7,434 |
| Net loans and leases to deposits | 52.8195% | 7,338 |
| Net loans and leases to core deposits | 60.7408% | 7,428 |
| Total domestic deposits to total assets | 79.9421% | 5,492 |
| Equity capital to assets | 16.6054% | 731 |
| Core capital (leverage) ratio | 15.6971% | 790 |
| Tier 1 risk-based capital ratio | 29.0475% | 663 |
| Total risk-based capital ratio | 30.2661% | 646 |
| Memoranda: | ||
| Average total assets | $120,967,000 | 4,606 |
| Average earning assets | $111,005,670 | 4,602 |
| Average equity | $19,554,670 | 3,316 |
| Average total loans | $51,339,670 | 5,704 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 4,297 |
| Cost of funding earning assets | 1.5965% | 6,043 |
| Net interest margin | 4.0125% | 2,595 |
| Noninterest income to average assets | 1.0782% | 1,288 |
| Noninterest expense to average assets | 2.7708% | 4,696 |
| Loan and lease loss provision to assets | 0.1307% | 5,283 |
| Net operating income to assets | 1.8559% | 475 |
| Return on assets (ROA) | 1.8559% | 531 |
| Pretax return on assets | 1.8559% | 885 |
| Return on Equity (ROE) | 11.6334% | 1,777 |
| Retained earnings to average equity (ytd only) | 5.4890% | 2,864 |
| Net charge-offs to loans | 0.1321% | 3,903 |
| Credit loss provision to net charge-offs | 235.2941% | 1,961 |
| Earnings coverage of net charge-offs (x) | 35.7647% | 931 |
| Efficiency ratio | 58.2418% | 6,665 |
| Assets per employee ($millions) | 3.0983% | 5,893 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2711% | 981 |
| Loan loss allowance to noncurrent loans | 136.6197% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 5,298 |
| Noncurrent loans to loans | 1.6624% | 3,778 |
| Net loans and leases to total assets | 40.4160% | 7,544 |
| Net loans and leases to deposits | 48.7451% | 7,548 |
| Net loans and leases to core deposits | 60.2483% | 7,441 |
| Total domestic deposits to total assets | 82.9131% | 4,184 |
| Equity capital to assets | 15.7491% | 920 |
| Core capital (leverage) ratio | 14.9709% | 979 |
| Tier 1 risk-based capital ratio | 29.7395% | 633 |
| Total risk-based capital ratio | 30.9975% | 618 |
| Memoranda: | ||
| Average total assets | $122,421,500 | 4,587 |
| Average earning assets | $112,248,000 | 4,581 |
| Average equity | $19,530,000 | 3,338 |
| Average total loans | $51,494,000 | 5,737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2730% | 4,106 |
| Cost of funding earning assets | 2.1353% | 5,903 |
| Net interest margin | 4.1377% | 2,549 |
| Noninterest income to average assets | 1.1350% | 1,213 |
| Noninterest expense to average assets | 3.0688% | 3,828 |
| Loan and lease loss provision to assets | 0.0417% | 6,891 |
| Net operating income to assets | 1.7879% | 563 |
| Return on assets (ROA) | 1.7879% | 542 |
| Pretax return on assets | 1.7879% | 968 |
| Return on Equity (ROE) | 11.4171% | 1,786 |
| Retained earnings to average equity (ytd only) | 2.8969% | 3,375 |
| Net charge-offs to loans | 0.0697% | 5,776 |
| Credit loss provision to net charge-offs | 138.8889% | 3,823 |
| Earnings coverage of net charge-offs (x) | 60.9444% | 657 |
| Efficiency ratio | 62.6490% | 5,836 |
| Assets per employee ($millions) | 2.8119% | 6,531 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2054% | 940 |
| Loan loss allowance to noncurrent loans | 637.4302% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 6,641 |
| Noncurrent loans to loans | 0.3460% | 6,337 |
| Net loans and leases to total assets | 41.8445% | 7,597 |
| Net loans and leases to deposits | 50.6705% | 7,598 |
| Net loans and leases to core deposits | 60.9021% | 7,543 |
| Total domestic deposits to total assets | 82.5815% | 3,955 |
| Equity capital to assets | 16.1622% | 902 |
| Core capital (leverage) ratio | 15.1507% | 992 |
| Tier 1 risk-based capital ratio | 29.3494% | 678 |
| Total risk-based capital ratio | 30.6060% | 662 |
| Memoranda: | ||
| Average total assets | $119,915,200 | 4,524 |
| Average earning assets | $109,070,800 | 4,533 |
| Average equity | $18,778,800 | 3,433 |
| Average total loans | $51,622,800 | 5,638 |