Home > The Pleasants County Bank > Performance and Condition Ratios
The Pleasants County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,975 |
| Cost of funding earning assets | 0.7567% | 3,844 |
| Net interest margin | 3.2341% | 2,784 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.7180% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3989% | 3,874 |
| Return on assets (ROA) | 0.4353% | 3,797 |
| Pretax return on assets | 0.5295% | 3,765 |
| Return on Equity (ROE) | 5.7500% | 3,579 |
| Retained earnings to average equity (ytd only) | 1.2596% | 3,768 |
| Net charge-offs to loans | -0.0158% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.7879% | 623 |
| Assets per employee ($millions) | 4.7106% | 3,829 |
| Cash dividends to net income (ytd only)* | 78.0781% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 2,965 |
| Loan loss allowance to noncurrent loans | 313.0769% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,383 |
| Noncurrent loans to loans | 0.3428% | 1,953 |
| Net loans and leases to total assets | 49.7700% | 3,611 |
| Net loans and leases to deposits | 54.7806% | 3,757 |
| Net loans and leases to core deposits | 61.1018% | 3,724 |
| Total domestic deposits to total assets | 90.8500% | 542 |
| Equity capital to assets | 8.0086% | 3,410 |
| Core capital (leverage) ratio | 9.8818% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $76,491,000 | 4,048 |
| Average earning assets | $67,531,400 | 4,061 |
| Average equity | $5,795,600 | 4,180 |
| Average total loans | $38,006,600 | 4,025 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 3,901 |
| Cost of funding earning assets | 0.6495% | 3,869 |
| Net interest margin | 3.3201% | 2,637 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.6711% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4692% | 3,827 |
| Return on assets (ROA) | 0.5158% | 3,719 |
| Pretax return on assets | 0.6634% | 3,616 |
| Return on Equity (ROE) | 6.9000% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.1146% | 3,229 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.4619% | 762 |
| Assets per employee ($millions) | 4.9152% | 3,664 |
| Cash dividends to net income (ytd only)* | 40.4040% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,064 |
| Loan loss allowance to noncurrent loans | 339.8305% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 2,513 |
| Noncurrent loans to loans | 0.3121% | 2,116 |
| Net loans and leases to total assets | 50.7400% | 3,568 |
| Net loans and leases to deposits | 55.5917% | 3,731 |
| Net loans and leases to core deposits | 62.1931% | 3,606 |
| Total domestic deposits to total assets | 91.2800% | 602 |
| Equity capital to assets | 7.5385% | 3,333 |
| Core capital (leverage) ratio | 10.0909% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $76,771,500 | 4,063 |
| Average earning assets | $67,747,500 | 4,081 |
| Average equity | $5,735,500 | 4,198 |
| Average total loans | $38,028,750 | 4,035 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,770 |
| Cost of funding earning assets | 0.5584% | 3,861 |
| Net interest margin | 3.4000% | 2,514 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.6431% | 1,815 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5377% | 3,729 |
| Return on assets (ROA) | 0.6068% | 3,564 |
| Pretax return on assets | 0.7842% | 3,429 |
| Return on Equity (ROE) | 8.1500% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.3843% | 2,828 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.0161% | 913 |
| Assets per employee ($millions) | 5.0477% | 3,560 |
| Cash dividends to net income (ytd only)* | 33.8983% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,161 |
| Loan loss allowance to noncurrent loans | 339.8305% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,459 |
| Noncurrent loans to loans | 0.3105% | 2,030 |
| Net loans and leases to total assets | 49.6600% | 3,582 |
| Net loans and leases to deposits | 54.5010% | 3,720 |
| Net loans and leases to core deposits | 60.2593% | 3,619 |
| Total domestic deposits to total assets | 91.1100% | 619 |
| Equity capital to assets | 7.7196% | 3,391 |
| Core capital (leverage) ratio | 9.7240% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $77,786,000 | 4,072 |
| Average earning assets | $68,764,667 | 4,087 |
| Average equity | $5,794,667 | 4,218 |
| Average total loans | $38,101,000 | 4,049 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 3,511 |
| Cost of funding earning assets | 0.4818% | 3,753 |
| Net interest margin | 3.4871% | 2,402 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.6541% | 1,797 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.5684% | 3,752 |
| Return on assets (ROA) | 0.5684% | 3,720 |
| Pretax return on assets | 0.7257% | 3,611 |
| Return on Equity (ROE) | 7.7600% | 3,356 |
| Retained earnings to average equity (ytd only) | 4.9918% | 3,021 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.2934% | 973 |
| Assets per employee ($millions) | 5.2445% | 3,465 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,170 |
| Loan loss allowance to noncurrent loans | 334.1667% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,446 |
| Noncurrent loans to loans | 0.3221% | 1,994 |
| Net loans and leases to total assets | 46.8500% | 3,721 |
| Net loans and leases to deposits | 51.3108% | 3,831 |
| Net loans and leases to core deposits | 55.6577% | 3,759 |
| Total domestic deposits to total assets | 91.3100% | 698 |
| Equity capital to assets | 7.5178% | 3,550 |
| Core capital (leverage) ratio | 9.4160% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $78,821,000 | 4,118 |
| Average earning assets | $69,743,500 | 4,133 |
| Average equity | $5,769,500 | 4,273 |
| Average total loans | $38,152,500 | 4,102 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2897% | 3,606 |
| Cost of funding earning assets | 0.2255% | 3,548 |
| Net interest margin | 3.0643% | 3,278 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.6886% | 1,583 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.2584% | 4,407 |
| Return on assets (ROA) | 0.2584% | 4,384 |
| Pretax return on assets | 0.3151% | 4,368 |
| Return on Equity (ROE) | 3.3700% | 4,252 |
| Retained earnings to average equity (ytd only) | 0.6191% | 4,256 |
| Net charge-offs to loans | 0.0629% | 1,020 |
| Credit loss provision to net charge-offs | 116.6667% | 1,478 |
| Earnings coverage of net charge-offs (x) | 11.1250% | 2,163 |
| Efficiency ratio | 88.4215% | 345 |
| Assets per employee ($millions) | 5.2650% | 3,456 |
| Cash dividends to net income (ytd only)* | 81.6327% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,233 |
| Loan loss allowance to noncurrent loans | 70.6714% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7167% | 666 |
| Noncurrent loans to loans | 1.4495% | 457 |
| Net loans and leases to total assets | 48.9400% | 3,593 |
| Net loans and leases to deposits | 53.3113% | 3,719 |
| Net loans and leases to core deposits | 56.9098% | 3,681 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 7.1225% | 3,603 |
| Core capital (leverage) ratio | 9.1895% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $75,838,600 | 4,172 |
| Average earning assets | $66,965,800 | 4,189 |
| Average equity | $5,814,800 | 4,349 |
| Average total loans | $38,140,400 | 4,099 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1412% | 3,578 |
| Cost of funding earning assets | 0.1874% | 3,427 |
| Net interest margin | 2.9538% | 3,351 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.6416% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2487% | 4,431 |
| Return on assets (ROA) | 0.2487% | 4,396 |
| Pretax return on assets | 0.3020% | 4,373 |
| Return on Equity (ROE) | 3.1800% | 4,275 |
| Retained earnings to average equity (ytd only) | 0.4549% | 4,278 |
| Net charge-offs to loans | -0.0035% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.7405% | 328 |
| Assets per employee ($millions) | 5.6224% | 3,107 |
| Cash dividends to net income (ytd only)* | 85.7143% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,344 |
| Loan loss allowance to noncurrent loans | 56.6952% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 539 |
| Noncurrent loans to loans | 1.8181% | 347 |
| Net loans and leases to total assets | 48.5500% | 3,577 |
| Net loans and leases to deposits | 52.2492% | 3,716 |
| Net loans and leases to core deposits | 54.1206% | 3,737 |
| Total domestic deposits to total assets | 92.9200% | 602 |
| Equity capital to assets | 5.9863% | 3,973 |
| Core capital (leverage) ratio | 9.5876% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,054,500 | 4,217 |
| Average earning assets | $66,172,000 | 4,227 |
| Average equity | $5,862,250 | 4,383 |
| Average total loans | $37,913,500 | 4,128 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0471% | 3,436 |
| Cost of funding earning assets | 0.1876% | 3,081 |
| Net interest margin | 2.8595% | 3,268 |
| Noninterest income to average assets | 0.3440% | 3,095 |
| Noninterest expense to average assets | 2.6871% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1490% | 4,479 |
| Return on assets (ROA) | 0.1490% | 4,442 |
| Pretax return on assets | 0.1761% | 4,433 |
| Return on Equity (ROE) | 1.7612% | 4,375 |
| Retained earnings to average equity (ytd only) | -0.8006% | 4,279 |
| Net charge-offs to loans | -0.0053% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8505% | 293 |
| Assets per employee ($millions) | 5.6947% | 3,032 |
| Cash dividends to net income (ytd only)* | 145.4545% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,561 |
| Loan loss allowance to noncurrent loans | 69.7023% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 677 |
| Noncurrent loans to loans | 1.4460% | 520 |
| Net loans and leases to total assets | 52.8009% | 3,081 |
| Net loans and leases to deposits | 57.8060% | 3,242 |
| Net loans and leases to core deposits | 59.7728% | 3,286 |
| Total domestic deposits to total assets | 91.3415% | 1,086 |
| Equity capital to assets | 7.4901% | 3,489 |
| Core capital (leverage) ratio | 9.9749% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,835,000 | 4,275 |
| Average earning assets | $65,046,000 | 4,293 |
| Average equity | $6,245,667 | 4,392 |
| Average total loans | $37,680,667 | 4,181 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8512% | 3,646 |
| Cost of funding earning assets | 0.1847% | 3,016 |
| Net interest margin | 2.6665% | 3,487 |
| Noninterest income to average assets | 0.3363% | 3,078 |
| Noninterest expense to average assets | 2.6689% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0163% | 4,539 |
| Return on assets (ROA) | 0.0163% | 4,519 |
| Pretax return on assets | 0.0163% | 4,510 |
| Return on Equity (ROE) | 0.1819% | 4,515 |
| Retained earnings to average equity (ytd only) | -2.2438% | 4,267 |
| Net charge-offs to loans | 0.0109% | 1,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 1,683 |
| Efficiency ratio | 99.3939% | 254 |
| Assets per employee ($millions) | 5.6228% | 3,212 |
| Cash dividends to net income (ytd only)* | 1,333.3333% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,309 |
| Loan loss allowance to noncurrent loans | 43.2933% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 341 |
| Noncurrent loans to loans | 2.5490% | 233 |
| Net loans and leases to total assets | 48.6730% | 3,315 |
| Net loans and leases to deposits | 53.7529% | 3,436 |
| Net loans and leases to core deposits | 55.6132% | 3,480 |
| Total domestic deposits to total assets | 90.5494% | 1,266 |
| Equity capital to assets | 8.2645% | 3,352 |
| Core capital (leverage) ratio | 9.7617% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,737,000 | 4,299 |
| Average earning assets | $64,955,000 | 4,318 |
| Average equity | $6,596,000 | 4,402 |
| Average total loans | $36,777,500 | 4,212 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2286% | 3,408 |
| Cost of funding earning assets | 0.2016% | 3,449 |
| Net interest margin | 3.0271% | 3,124 |
| Noninterest income to average assets | 0.5664% | 2,296 |
| Noninterest expense to average assets | 2.5955% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5047% | 4,075 |
| Return on assets (ROA) | 0.5566% | 4,014 |
| Pretax return on assets | 0.7034% | 3,923 |
| Return on Equity (ROE) | 5.5152% | 3,881 |
| Retained earnings to average equity (ytd only) | 1.9123% | 4,002 |
| Net charge-offs to loans | 0.0153% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 1,023 |
| Efficiency ratio | 80.2768% | 790 |
| Assets per employee ($millions) | 5.3127% | 3,459 |
| Cash dividends to net income (ytd only)* | 65.3266% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,552 |
| Loan loss allowance to noncurrent loans | 50.6394% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0514% | 507 |
| Noncurrent loans to loans | 2.0809% | 374 |
| Net loans and leases to total assets | 49.9933% | 3,278 |
| Net loans and leases to deposits | 56.0101% | 3,411 |
| Net loans and leases to core deposits | 57.9398% | 3,480 |
| Total domestic deposits to total assets | 89.2576% | 1,375 |
| Equity capital to assets | 9.6144% | 3,034 |
| Core capital (leverage) ratio | 9.9345% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,508,000 | 4,325 |
| Average earning assets | $62,998,600 | 4,352 |
| Average equity | $7,216,400 | 4,404 |
| Average total loans | $39,258,600 | 4,210 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1217% | 3,764 |
| Cost of funding earning assets | 0.2018% | 3,586 |
| Net interest margin | 2.9199% | 3,507 |
| Noninterest income to average assets | 0.6347% | 2,073 |
| Noninterest expense to average assets | 2.5295% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5215% | 4,160 |
| Return on assets (ROA) | 0.5914% | 4,066 |
| Pretax return on assets | 0.7553% | 3,965 |
| Return on Equity (ROE) | 5.7883% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.5762% | 3,722 |
| Net charge-offs to loans | 0.0134% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 933 |
| Efficiency ratio | 79.1397% | 802 |
| Assets per employee ($millions) | 4.9159% | 3,779 |
| Cash dividends to net income (ytd only)* | 38.2166% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,885 |
| Loan loss allowance to noncurrent loans | 25.7792% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.0885% | 175 |
| Noncurrent loans to loans | 3.8323% | 142 |
| Net loans and leases to total assets | 53.9586% | 2,974 |
| Net loans and leases to deposits | 60.5776% | 3,178 |
| Net loans and leases to core deposits | 62.2651% | 3,293 |
| Total domestic deposits to total assets | 89.0735% | 1,238 |
| Equity capital to assets | 9.8402% | 3,069 |
| Core capital (leverage) ratio | 10.1776% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,790,500 | 4,386 |
| Average earning assets | $62,100,750 | 4,418 |
| Average equity | $7,232,750 | 4,464 |
| Average total loans | $39,678,250 | 4,250 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1736% | 3,720 |
| Cost of funding earning assets | 0.2129% | 3,629 |
| Net interest margin | 2.9607% | 3,419 |
| Noninterest income to average assets | 0.7650% | 1,633 |
| Noninterest expense to average assets | 2.5670% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6099% | 3,961 |
| Return on assets (ROA) | 0.7163% | 3,785 |
| Pretax return on assets | 0.9225% | 3,612 |
| Return on Equity (ROE) | 6.9204% | 3,677 |
| Retained earnings to average equity (ytd only) | 4.7059% | 3,298 |
| Net charge-offs to loans | 0.0202% | 1,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 68.7500% | 908 |
| Efficiency ratio | 76.5158% | 1,034 |
| Assets per employee ($millions) | 4.7007% | 3,931 |
| Cash dividends to net income (ytd only)* | 32.0000% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,948 |
| Loan loss allowance to noncurrent loans | 26.0301% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.1685% | 184 |
| Noncurrent loans to loans | 3.7085% | 163 |
| Net loans and leases to total assets | 57.9095% | 2,679 |
| Net loans and leases to deposits | 65.4118% | 2,873 |
| Net loans and leases to core deposits | 67.3295% | 3,007 |
| Total domestic deposits to total assets | 88.5307% | 1,549 |
| Equity capital to assets | 10.3063% | 2,569 |
| Core capital (leverage) ratio | 10.3285% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,808,000 | 4,428 |
| Average earning assets | $61,066,667 | 4,462 |
| Average equity | $7,225,000 | 4,489 |
| Average total loans | $39,509,333 | 4,288 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1239% | 3,844 |
| Cost of funding earning assets | 0.2184% | 3,739 |
| Net interest margin | 2.9055% | 3,502 |
| Noninterest income to average assets | 0.9330% | 1,248 |
| Noninterest expense to average assets | 2.5051% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7443% | 3,589 |
| Return on assets (ROA) | 0.8581% | 3,324 |
| Pretax return on assets | 1.1000% | 3,109 |
| Return on Equity (ROE) | 8.2732% | 3,248 |
| Retained earnings to average equity (ytd only) | 6.0522% | 2,878 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3794% | 1,460 |
| Assets per employee ($millions) | 4.7503% | 3,887 |
| Cash dividends to net income (ytd only)* | 26.8456% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,818 |
| Loan loss allowance to noncurrent loans | 26.6007% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.1262% | 223 |
| Noncurrent loans to loans | 3.7786% | 154 |
| Net loans and leases to total assets | 55.7035% | 3,080 |
| Net loans and leases to deposits | 62.8201% | 3,240 |
| Net loans and leases to core deposits | 64.6360% | 3,354 |
| Total domestic deposits to total assets | 88.6715% | 1,528 |
| Equity capital to assets | 10.1510% | 2,550 |
| Core capital (leverage) ratio | 10.6402% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,457,000 | 4,444 |
| Average earning assets | $60,438,000 | 4,484 |
| Average equity | $7,204,000 | 4,509 |
| Average total loans | $38,649,000 | 4,328 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 3,461 |
| Cost of funding earning assets | 0.3426% | 3,911 |
| Net interest margin | 3.4027% | 2,775 |
| Noninterest income to average assets | 0.3117% | 3,609 |
| Noninterest expense to average assets | 2.7460% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4447% | 4,152 |
| Return on assets (ROA) | 0.4447% | 4,231 |
| Pretax return on assets | 0.5257% | 4,225 |
| Return on Equity (ROE) | 4.0484% | 4,146 |
| Retained earnings to average equity (ytd only) | 0.9878% | 4,236 |
| Net charge-offs to loans | 0.0407% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 22.9333% | 1,828 |
| Efficiency ratio | 83.9327% | 638 |
| Assets per employee ($millions) | 4.5107% | 3,905 |
| Cash dividends to net income (ytd only)* | 75.6014% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,556 |
| Loan loss allowance to noncurrent loans | 27.8393% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.1342% | 253 |
| Noncurrent loans to loans | 3.8813% | 149 |
| Net loans and leases to total assets | 54.3926% | 3,456 |
| Net loans and leases to deposits | 61.6459% | 3,632 |
| Net loans and leases to core deposits | 63.5251% | 3,728 |
| Total domestic deposits to total assets | 88.2338% | 1,357 |
| Equity capital to assets | 10.6045% | 2,589 |
| Core capital (leverage) ratio | 10.8632% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,441,000 | 4,438 |
| Average earning assets | $56,925,800 | 4,483 |
| Average equity | $7,188,000 | 4,506 |
| Average total loans | $36,897,400 | 4,374 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 3,500 |
| Cost of funding earning assets | 0.3631% | 3,988 |
| Net interest margin | 3.4584% | 2,728 |
| Noninterest income to average assets | 0.5671% | 2,316 |
| Noninterest expense to average assets | 2.7329% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6945% | 3,475 |
| Return on assets (ROA) | 0.6945% | 3,573 |
| Pretax return on assets | 0.8486% | 3,519 |
| Return on Equity (ROE) | 6.2667% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.0418% | 3,026 |
| Net charge-offs to loans | 0.0253% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 1,110 |
| Efficiency ratio | 76.3052% | 1,183 |
| Assets per employee ($millions) | 5.0472% | 3,185 |
| Cash dividends to net income (ytd only)* | 35.5030% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,372 |
| Loan loss allowance to noncurrent loans | 28.8529% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.1657% | 282 |
| Noncurrent loans to loans | 3.7017% | 196 |
| Net loans and leases to total assets | 57.8818% | 3,431 |
| Net loans and leases to deposits | 66.0533% | 3,617 |
| Net loans and leases to core deposits | 68.1391% | 3,751 |
| Total domestic deposits to total assets | 87.6290% | 1,383 |
| Equity capital to assets | 11.1822% | 2,250 |
| Core capital (leverage) ratio | 11.0471% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,886,250 | 4,459 |
| Average earning assets | $56,556,250 | 4,506 |
| Average equity | $7,191,250 | 4,526 |
| Average total loans | $36,820,750 | 4,402 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 3,854 |
| Cost of funding earning assets | 0.4184% | 3,957 |
| Net interest margin | 3.3826% | 3,153 |
| Noninterest income to average assets | 0.5662% | 2,272 |
| Noninterest expense to average assets | 2.7659% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5940% | 3,762 |
| Return on assets (ROA) | 0.5940% | 3,840 |
| Pretax return on assets | 0.7518% | 3,736 |
| Return on Equity (ROE) | 5.3761% | 3,726 |
| Retained earnings to average equity (ytd only) | 3.1361% | 3,330 |
| Net charge-offs to loans | 0.0386% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 34.7143% | 1,341 |
| Efficiency ratio | 78.6280% | 994 |
| Assets per employee ($millions) | 5.0741% | 3,090 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,221 |
| Loan loss allowance to noncurrent loans | 51.7067% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 514 |
| Noncurrent loans to loans | 2.0737% | 633 |
| Net loans and leases to total assets | 57.2063% | 3,585 |
| Net loans and leases to deposits | 65.1952% | 3,791 |
| Net loans and leases to core deposits | 67.1740% | 3,912 |
| Total domestic deposits to total assets | 87.7462% | 1,308 |
| Equity capital to assets | 10.9940% | 2,345 |
| Core capital (leverage) ratio | 10.8976% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,644,000 | 4,474 |
| Average earning assets | $56,407,000 | 4,523 |
| Average equity | $7,142,667 | 4,551 |
| Average total loans | $36,298,333 | 4,422 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 4,101 |
| Cost of funding earning assets | 0.4501% | 4,154 |
| Net interest margin | 3.4147% | 3,255 |
| Noninterest income to average assets | 0.3563% | 3,388 |
| Noninterest expense to average assets | 2.7819% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4689% | 3,974 |
| Return on assets (ROA) | 0.4689% | 4,029 |
| Pretax return on assets | 0.5626% | 3,995 |
| Return on Equity (ROE) | 4.2325% | 3,891 |
| Retained earnings to average equity (ytd only) | 1.9752% | 3,451 |
| Net charge-offs to loans | 0.0792% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 12.8571% | 1,676 |
| Efficiency ratio | 83.1776% | 891 |
| Assets per employee ($millions) | 4.5591% | 3,184 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,924 |
| Loan loss allowance to noncurrent loans | 50.4926% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.7547% | 538 |
| Noncurrent loans to loans | 2.2810% | 555 |
| Net loans and leases to total assets | 55.1294% | 3,900 |
| Net loans and leases to deposits | 62.9481% | 4,039 |
| Net loans and leases to core deposits | 64.9201% | 4,133 |
| Total domestic deposits to total assets | 87.5791% | 1,286 |
| Equity capital to assets | 11.1879% | 2,692 |
| Core capital (leverage) ratio | 11.1659% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,984,500 | 4,499 |
| Average earning assets | $55,993,000 | 4,541 |
| Average equity | $7,088,000 | 4,589 |
| Average total loans | $35,375,500 | 4,468 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 3,983 |
| Cost of funding earning assets | 0.3635% | 4,561 |
| Net interest margin | 3.7653% | 2,624 |
| Noninterest income to average assets | 0.3792% | 3,428 |
| Noninterest expense to average assets | 2.8429% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6197% | 4,101 |
| Return on assets (ROA) | 0.6197% | 4,164 |
| Pretax return on assets | 0.7857% | 4,001 |
| Return on Equity (ROE) | 5.7849% | 3,979 |
| Retained earnings to average equity (ytd only) | 1.2366% | 4,301 |
| Net charge-offs to loans | 0.0307% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 46.9091% | 1,182 |
| Efficiency ratio | 78.3466% | 1,110 |
| Assets per employee ($millions) | 4.5815% | 3,102 |
| Cash dividends to net income (ytd only)* | 78.6241% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,510 |
| Loan loss allowance to noncurrent loans | 51.3547% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.7477% | 517 |
| Noncurrent loans to loans | 2.3099% | 515 |
| Net loans and leases to total assets | 54.1557% | 4,063 |
| Net loans and leases to deposits | 61.6367% | 4,208 |
| Net loans and leases to core deposits | 63.5353% | 4,300 |
| Total domestic deposits to total assets | 87.8627% | 1,192 |
| Equity capital to assets | 10.9680% | 3,031 |
| Core capital (leverage) ratio | 11.0218% | 2,485 |
| Tier 1 risk-based capital ratio | 18.2806% | 1,694 |
| Total risk-based capital ratio | 19.3617% | 1,690 |
| Memoranda: | ||
| Average total assets | $65,673,000 | 4,501 |
| Average earning assets | $56,675,600 | 4,578 |
| Average equity | $7,035,600 | 4,636 |
| Average total loans | $35,803,200 | 4,509 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 4,186 |
| Cost of funding earning assets | 0.3502% | 4,656 |
| Net interest margin | 3.7353% | 2,807 |
| Noninterest income to average assets | 0.3775% | 3,454 |
| Noninterest expense to average assets | 2.7249% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6863% | 4,055 |
| Return on assets (ROA) | 0.6863% | 4,117 |
| Pretax return on assets | 0.8821% | 3,935 |
| Return on Equity (ROE) | 6.4431% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.1691% | 3,322 |
| Net charge-offs to loans | 0.1038% | 1,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.6081% | 2,175 |
| Efficiency ratio | 75.5456% | 1,386 |
| Assets per employee ($millions) | 4.3147% | 3,463 |
| Cash dividends to net income (ytd only)* | 35.2952% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,889 |
| Loan loss allowance to noncurrent loans | 27.0088% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.4274% | 297 |
| Noncurrent loans to loans | 4.1730% | 159 |
| Net loans and leases to total assets | 54.2182% | 4,164 |
| Net loans and leases to deposits | 61.8304% | 4,301 |
| Net loans and leases to core deposits | 63.7143% | 4,385 |
| Total domestic deposits to total assets | 87.6885% | 1,169 |
| Equity capital to assets | 11.1557% | 2,961 |
| Core capital (leverage) ratio | 10.9855% | 2,654 |
| Tier 1 risk-based capital ratio | 18.5948% | 1,665 |
| Total risk-based capital ratio | 19.6303% | 1,683 |
| Memoranda: | ||
| Average total assets | $66,056,000 | 4,553 |
| Average earning assets | $57,112,000 | 4,631 |
| Average equity | $7,035,750 | 4,694 |
| Average total loans | $35,965,750 | 4,562 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 4,311 |
| Cost of funding earning assets | 0.3227% | 4,759 |
| Net interest margin | 3.7091% | 2,909 |
| Noninterest income to average assets | 0.3699% | 3,467 |
| Noninterest expense to average assets | 2.6977% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6797% | 4,072 |
| Return on assets (ROA) | 0.6797% | 4,125 |
| Pretax return on assets | 0.8872% | 3,881 |
| Return on Equity (ROE) | 6.4809% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.1868% | 3,156 |
| Net charge-offs to loans | 0.0111% | 2,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 506 |
| Efficiency ratio | 75.2517% | 1,490 |
| Assets per employee ($millions) | 4.3411% | 3,385 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,563 |
| Loan loss allowance to noncurrent loans | 50.7766% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 817 |
| Noncurrent loans to loans | 2.3505% | 543 |
| Net loans and leases to total assets | 54.0320% | 4,204 |
| Net loans and leases to deposits | 61.4965% | 4,353 |
| Net loans and leases to core deposits | 63.0651% | 4,452 |
| Total domestic deposits to total assets | 87.8618% | 1,165 |
| Equity capital to assets | 10.9495% | 3,124 |
| Core capital (leverage) ratio | 10.8175% | 2,772 |
| Tier 1 risk-based capital ratio | 18.6009% | 1,642 |
| Total risk-based capital ratio | 19.7127% | 1,643 |
| Memoranda: | ||
| Average total assets | $66,501,330 | 4,576 |
| Average earning assets | $57,641,330 | 4,657 |
| Average equity | $6,974,330 | 4,731 |
| Average total loans | $36,124,330 | 4,588 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 4,475 |
| Cost of funding earning assets | 0.2605% | 4,951 |
| Net interest margin | 3.6888% | 2,939 |
| Noninterest income to average assets | 0.3512% | 3,508 |
| Noninterest expense to average assets | 2.6669% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6905% | 3,969 |
| Return on assets (ROA) | 0.6905% | 4,007 |
| Pretax return on assets | 0.8870% | 3,808 |
| Return on Equity (ROE) | 6.7281% | 3,763 |
| Retained earnings to average equity (ytd only) | 4.4080% | 3,167 |
| Net charge-offs to loans | 0.0330% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 1,033 |
| Efficiency ratio | 75.0419% | 1,606 |
| Assets per employee ($millions) | 4.4679% | 3,234 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,736 |
| Loan loss allowance to noncurrent loans | 46.5934% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4966% | 804 |
| Noncurrent loans to loans | 2.5130% | 516 |
| Net loans and leases to total assets | 53.3998% | 4,242 |
| Net loans and leases to deposits | 60.3966% | 4,388 |
| Net loans and leases to core deposits | 61.8784% | 4,489 |
| Total domestic deposits to total assets | 88.4152% | 1,122 |
| Equity capital to assets | 10.4135% | 3,404 |
| Core capital (leverage) ratio | 10.6251% | 2,919 |
| Tier 1 risk-based capital ratio | 17.9027% | 1,817 |
| Total risk-based capital ratio | 18.9811% | 1,830 |
| Memoranda: | ||
| Average total assets | $67,193,500 | 4,616 |
| Average earning assets | $58,338,500 | 4,687 |
| Average equity | $6,896,500 | 4,773 |
| Average total loans | $36,382,000 | 4,631 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 3,661 |
| Cost of funding earning assets | 0.2424% | 4,835 |
| Net interest margin | 3.8833% | 2,383 |
| Noninterest income to average assets | 0.3898% | 3,497 |
| Noninterest expense to average assets | 2.8872% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6733% | 4,223 |
| Return on assets (ROA) | 0.6733% | 4,231 |
| Pretax return on assets | 0.8597% | 4,008 |
| Return on Equity (ROE) | 6.4768% | 4,013 |
| Retained earnings to average equity (ytd only) | 1.7341% | 4,451 |
| Net charge-offs to loans | -0.0028% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0559% | 1,228 |
| Assets per employee ($millions) | 4.2105% | 3,599 |
| Cash dividends to net income (ytd only)* | 73.2265% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,733 |
| Loan loss allowance to noncurrent loans | 43.9300% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.5809% | 722 |
| Noncurrent loans to loans | 2.6592% | 435 |
| Net loans and leases to total assets | 53.6234% | 4,308 |
| Net loans and leases to deposits | 60.3723% | 4,458 |
| Net loans and leases to core deposits | 62.1121% | 4,534 |
| Total domestic deposits to total assets | 88.8211% | 940 |
| Equity capital to assets | 10.1146% | 3,555 |
| Core capital (leverage) ratio | 10.5342% | 2,986 |
| Tier 1 risk-based capital ratio | 17.5927% | 1,874 |
| Total risk-based capital ratio | 18.6715% | 1,875 |
| Memoranda: | ||
| Average total assets | $64,908,000 | 4,678 |
| Average earning assets | $56,112,400 | 4,746 |
| Average equity | $6,747,200 | 4,787 |
| Average total loans | $35,948,000 | 4,663 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,505 |
| Cost of funding earning assets | 0.2357% | 4,865 |
| Net interest margin | 3.9010% | 2,299 |
| Noninterest income to average assets | 0.3919% | 3,533 |
| Noninterest expense to average assets | 2.8452% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7113% | 4,186 |
| Return on assets (ROA) | 0.7113% | 4,195 |
| Pretax return on assets | 0.9104% | 3,986 |
| Return on Equity (ROE) | 6.7947% | 4,002 |
| Retained earnings to average equity (ytd only) | 4.4177% | 3,545 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7592% | 1,380 |
| Assets per employee ($millions) | 4.0763% | 3,772 |
| Cash dividends to net income (ytd only)* | 34.9864% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,860 |
| Loan loss allowance to noncurrent loans | 1,092.3077% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 3,924 |
| Noncurrent loans to loans | 0.1060% | 4,408 |
| Net loans and leases to total assets | 55.7666% | 4,236 |
| Net loans and leases to deposits | 63.0576% | 4,387 |
| Net loans and leases to core deposits | 64.9413% | 4,462 |
| Total domestic deposits to total assets | 88.4376% | 1,072 |
| Equity capital to assets | 10.4998% | 3,142 |
| Core capital (leverage) ratio | 10.8404% | 2,747 |
| Tier 1 risk-based capital ratio | 18.0180% | 1,785 |
| Total risk-based capital ratio | 19.1038% | 1,793 |
| Memoranda: | ||
| Average total assets | $64,293,000 | 4,735 |
| Average earning assets | $55,438,000 | 4,812 |
| Average equity | $6,730,500 | 4,837 |
| Average total loans | $35,797,000 | 4,715 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,526 |
| Cost of funding earning assets | 0.2320% | 4,838 |
| Net interest margin | 3.8489% | 2,387 |
| Noninterest income to average assets | 0.3845% | 3,588 |
| Noninterest expense to average assets | 2.8538% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6658% | 4,304 |
| Return on assets (ROA) | 0.6658% | 4,308 |
| Pretax return on assets | 0.8502% | 4,112 |
| Return on Equity (ROE) | 6.3664% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.9753% | 3,623 |
| Net charge-offs to loans | 0.0056% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 328 |
| Efficiency ratio | 77.0464% | 1,310 |
| Assets per employee ($millions) | 3.9993% | 3,901 |
| Cash dividends to net income (ytd only)* | 37.5587% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,878 |
| Loan loss allowance to noncurrent loans | 1,039.0244% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 3,940 |
| Noncurrent loans to loans | 0.1127% | 4,402 |
| Net loans and leases to total assets | 56.2105% | 4,147 |
| Net loans and leases to deposits | 63.5870% | 4,309 |
| Net loans and leases to core deposits | 65.5191% | 4,397 |
| Total domestic deposits to total assets | 88.3994% | 1,183 |
| Equity capital to assets | 10.5301% | 3,083 |
| Core capital (leverage) ratio | 10.8511% | 2,654 |
| Tier 1 risk-based capital ratio | 17.9321% | 1,815 |
| Total risk-based capital ratio | 19.0267% | 1,826 |
| Memoranda: | ||
| Average total assets | $63,984,000 | 4,789 |
| Average earning assets | $55,184,000 | 4,875 |
| Average equity | $6,691,330 | 4,893 |
| Average total loans | $35,463,670 | 4,766 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,547 |
| Cost of funding earning assets | 0.2247% | 4,866 |
| Net interest margin | 3.7915% | 2,458 |
| Noninterest income to average assets | 0.3689% | 3,670 |
| Noninterest expense to average assets | 2.9258% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5627% | 4,535 |
| Return on assets (ROA) | 0.5627% | 4,538 |
| Pretax return on assets | 0.7127% | 4,407 |
| Return on Equity (ROE) | 5.3989% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.9994% | 4,000 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4124% | 1,097 |
| Assets per employee ($millions) | 4.0558% | 3,882 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,774 |
| Loan loss allowance to noncurrent loans | 970.4545% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 4,019 |
| Noncurrent loans to loans | 0.1242% | 4,409 |
| Net loans and leases to total assets | 53.9157% | 4,288 |
| Net loans and leases to deposits | 60.8004% | 4,419 |
| Net loans and leases to core deposits | 62.6110% | 4,510 |
| Total domestic deposits to total assets | 88.6766% | 1,270 |
| Equity capital to assets | 10.2647% | 3,318 |
| Core capital (leverage) ratio | 10.8013% | 2,629 |
| Tier 1 risk-based capital ratio | 17.9040% | 1,868 |
| Total risk-based capital ratio | 19.0127% | 1,851 |
| Memoranda: | ||
| Average total assets | $63,982,000 | 4,848 |
| Average earning assets | $55,176,500 | 4,930 |
| Average equity | $6,668,000 | 4,949 |
| Average total loans | $34,998,500 | 4,831 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 3,551 |
| Cost of funding earning assets | 0.1987% | 4,960 |
| Net interest margin | 3.7569% | 2,573 |
| Noninterest income to average assets | 0.1402% | 5,251 |
| Noninterest expense to average assets | 3.0180% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1448% | 5,204 |
| Return on assets (ROA) | 0.1418% | 5,212 |
| Pretax return on assets | 0.3938% | 5,097 |
| Return on Equity (ROE) | 1.3155% | 5,184 |
| Retained earnings to average equity (ytd only) | -1.0232% | 5,188 |
| Net charge-offs to loans | 0.0061% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 540 |
| Efficiency ratio | 88.3356% | 512 |
| Assets per employee ($millions) | 3.5040% | 4,690 |
| Cash dividends to net income (ytd only)* | 177.7778% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,567 |
| Loan loss allowance to noncurrent loans | 854.0000% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 3,973 |
| Noncurrent loans to loans | 0.1446% | 4,345 |
| Net loans and leases to total assets | 54.1540% | 4,346 |
| Net loans and leases to deposits | 61.2642% | 4,493 |
| Net loans and leases to core deposits | 62.7856% | 4,611 |
| Total domestic deposits to total assets | 88.3942% | 1,300 |
| Equity capital to assets | 10.5831% | 3,073 |
| Core capital (leverage) ratio | 10.8165% | 2,519 |
| Tier 1 risk-based capital ratio | 18.1539% | 1,764 |
| Total risk-based capital ratio | 19.2861% | 1,743 |
| Memoranda: | ||
| Average total assets | $63,485,400 | 4,886 |
| Average earning assets | $55,365,400 | 4,967 |
| Average equity | $6,841,400 | 4,967 |
| Average total loans | $32,945,000 | 4,924 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 3,636 |
| Cost of funding earning assets | 0.1918% | 5,041 |
| Net interest margin | 3.7237% | 2,679 |
| Noninterest income to average assets | 0.3900% | 3,754 |
| Noninterest expense to average assets | 2.8390% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5832% | 4,450 |
| Return on assets (ROA) | 0.5787% | 4,502 |
| Pretax return on assets | 0.8010% | 4,345 |
| Return on Equity (ROE) | 5.3464% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.0218% | 4,110 |
| Net charge-offs to loans | 0.0041% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 385.9549% | 245 |
| Efficiency ratio | 77.8608% | 1,348 |
| Assets per employee ($millions) | 3.3613% | 4,901 |
| Cash dividends to net income (ytd only)* | 43.4794% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,760 |
| Loan loss allowance to noncurrent loans | 856.0000% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 4,133 |
| Noncurrent loans to loans | 0.1433% | 4,481 |
| Net loans and leases to total assets | 53.9475% | 4,420 |
| Net loans and leases to deposits | 61.3228% | 4,566 |
| Net loans and leases to core deposits | 62.5463% | 4,675 |
| Total domestic deposits to total assets | 87.9729% | 1,377 |
| Equity capital to assets | 10.9984% | 2,867 |
| Core capital (leverage) ratio | 11.0640% | 2,399 |
| Tier 1 risk-based capital ratio | 18.6393% | 1,696 |
| Total risk-based capital ratio | 19.7723% | 1,676 |
| Memoranda: | ||
| Average total assets | $63,588,750 | 4,942 |
| Average earning assets | $55,605,750 | 5,017 |
| Average equity | $6,883,000 | 5,012 |
| Average total loans | $32,535,500 | 4,991 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,704 |
| Cost of funding earning assets | 0.1791% | 5,147 |
| Net interest margin | 3.6754% | 2,739 |
| Noninterest income to average assets | 0.3874% | 3,771 |
| Noninterest expense to average assets | 2.8159% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5575% | 4,487 |
| Return on assets (ROA) | 0.5575% | 4,533 |
| Pretax return on assets | 0.8032% | 4,262 |
| Return on Equity (ROE) | 5.1785% | 4,400 |
| Retained earnings to average equity (ytd only) | 2.8379% | 4,019 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8068% | 1,489 |
| Assets per employee ($millions) | 3.3818% | 4,886 |
| Cash dividends to net income (ytd only)* | 45.1977% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,607 |
| Loan loss allowance to noncurrent loans | 841.1765% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 4,221 |
| Noncurrent loans to loans | 0.1501% | 4,511 |
| Net loans and leases to total assets | 52.1983% | 4,552 |
| Net loans and leases to deposits | 59.1962% | 4,689 |
| Net loans and leases to core deposits | 60.3650% | 4,804 |
| Total domestic deposits to total assets | 88.1784% | 1,362 |
| Equity capital to assets | 10.8458% | 2,970 |
| Core capital (leverage) ratio | 10.9504% | 2,458 |
| Tier 1 risk-based capital ratio | 19.2591% | 1,530 |
| Total risk-based capital ratio | 20.4424% | 1,498 |
| Memoranda: | ||
| Average total assets | $63,497,000 | 4,984 |
| Average earning assets | $55,831,000 | 5,051 |
| Average equity | $6,836,000 | 5,046 |
| Average total loans | $31,753,670 | 5,056 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 3,868 |
| Cost of funding earning assets | 0.1723% | 5,217 |
| Net interest margin | 3.5976% | 2,893 |
| Noninterest income to average assets | 0.3802% | 3,805 |
| Noninterest expense to average assets | 2.8581% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4816% | 4,667 |
| Return on assets (ROA) | 0.4816% | 4,692 |
| Pretax return on assets | 0.6971% | 4,459 |
| Return on Equity (ROE) | 4.4907% | 4,603 |
| Retained earnings to average equity (ytd only) | 2.1272% | 4,292 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3922% | 1,331 |
| Assets per employee ($millions) | 3.3534% | 4,989 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,184 |
| Loan loss allowance to noncurrent loans | 841.1765% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 4,285 |
| Noncurrent loans to loans | 0.1636% | 4,531 |
| Net loans and leases to total assets | 48.2555% | 4,803 |
| Net loans and leases to deposits | 54.6693% | 4,899 |
| Net loans and leases to core deposits | 55.7488% | 4,989 |
| Total domestic deposits to total assets | 88.2681% | 1,548 |
| Equity capital to assets | 10.7353% | 2,919 |
| Core capital (leverage) ratio | 11.1681% | 2,219 |
| Tier 1 risk-based capital ratio | 20.5658% | 1,290 |
| Total risk-based capital ratio | 21.8168% | 1,262 |
| Memoranda: | ||
| Average total assets | $63,118,000 | 5,049 |
| Average earning assets | $55,704,000 | 5,113 |
| Average equity | $6,769,500 | 5,108 |
| Average total loans | $30,646,000 | 5,135 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 4,086 |
| Cost of funding earning assets | 0.1896% | 5,109 |
| Net interest margin | 3.5521% | 3,243 |
| Noninterest income to average assets | 0.3853% | 3,995 |
| Noninterest expense to average assets | 2.8606% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4771% | 4,721 |
| Return on assets (ROA) | 0.5003% | 4,707 |
| Pretax return on assets | 0.7318% | 4,388 |
| Return on Equity (ROE) | 4.6890% | 4,569 |
| Retained earnings to average equity (ytd only) | 0.8883% | 4,966 |
| Net charge-offs to loans | -0.0127% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3930% | 1,371 |
| Assets per employee ($millions) | 3.4734% | 4,799 |
| Cash dividends to net income (ytd only)* | 81.0559% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 1,986 |
| Loan loss allowance to noncurrent loans | 208.2524% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 3,301 |
| Noncurrent loans to loans | 0.6840% | 2,823 |
| Net loans and leases to total assets | 47.4848% | 4,930 |
| Net loans and leases to deposits | 53.7456% | 5,025 |
| Net loans and leases to core deposits | 54.5625% | 5,121 |
| Total domestic deposits to total assets | 88.3511% | 1,464 |
| Equity capital to assets | 10.7148% | 2,906 |
| Core capital (leverage) ratio | 11.2903% | 2,090 |
| Tier 1 risk-based capital ratio | 21.4660% | 1,143 |
| Total risk-based capital ratio | 22.7174% | 1,126 |
| Memoranda: | ||
| Average total assets | $64,357,600 | 5,042 |
| Average earning assets | $57,486,800 | 5,090 |
| Average equity | $6,867,200 | 5,120 |
| Average total loans | $31,393,600 | 5,155 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 4,142 |
| Cost of funding earning assets | 0.1905% | 5,174 |
| Net interest margin | 3.5409% | 3,314 |
| Noninterest income to average assets | 0.3805% | 4,065 |
| Noninterest expense to average assets | 2.8078% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5352% | 4,554 |
| Return on assets (ROA) | 0.5677% | 4,528 |
| Pretax return on assets | 0.7920% | 4,331 |
| Return on Equity (ROE) | 5.3260% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.0103% | 4,107 |
| Net charge-offs to loans | 0.0126% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 120.9975% | 570 |
| Efficiency ratio | 78.9931% | 1,559 |
| Assets per employee ($millions) | 3.4862% | 4,790 |
| Cash dividends to net income (ytd only)* | 43.4794% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,497 |
| Loan loss allowance to noncurrent loans | 383.6364% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 4,061 |
| Noncurrent loans to loans | 0.3490% | 4,001 |
| Net loans and leases to total assets | 49.5610% | 4,851 |
| Net loans and leases to deposits | 56.3406% | 4,970 |
| Net loans and leases to core deposits | 56.8275% | 5,106 |
| Total domestic deposits to total assets | 87.9667% | 1,419 |
| Equity capital to assets | 11.1568% | 2,846 |
| Core capital (leverage) ratio | 11.0779% | 2,374 |
| Tier 1 risk-based capital ratio | 20.5927% | 1,339 |
| Total risk-based capital ratio | 21.8347% | 1,312 |
| Memoranda: | ||
| Average total assets | $64,816,750 | 5,075 |
| Average earning assets | $58,100,500 | 5,114 |
| Average equity | $6,909,250 | 5,163 |
| Average total loans | $31,712,750 | 5,194 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,267 |
| Cost of funding earning assets | 0.1953% | 5,192 |
| Net interest margin | 3.5147% | 3,434 |
| Noninterest income to average assets | 0.3694% | 4,104 |
| Noninterest expense to average assets | 2.7753% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5002% | 4,677 |
| Return on assets (ROA) | 0.5465% | 4,605 |
| Pretax return on assets | 0.7938% | 4,307 |
| Return on Equity (ROE) | 5.2045% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.8785% | 4,074 |
| Net charge-offs to loans | 0.0189% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 709 |
| Efficiency ratio | 79.2502% | 1,603 |
| Assets per employee ($millions) | 3.7595% | 4,347 |
| Cash dividends to net income (ytd only)* | 44.6927% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,546 |
| Loan loss allowance to noncurrent loans | 703.3333% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,486 |
| Noncurrent loans to loans | 0.1914% | 4,671 |
| Net loans and leases to total assets | 48.3923% | 4,957 |
| Net loans and leases to deposits | 54.8437% | 5,087 |
| Net loans and leases to core deposits | 55.6589% | 5,193 |
| Total domestic deposits to total assets | 88.2368% | 1,303 |
| Equity capital to assets | 10.9042% | 3,163 |
| Core capital (leverage) ratio | 10.6619% | 2,781 |
| Tier 1 risk-based capital ratio | 20.4743% | 1,353 |
| Total risk-based capital ratio | 21.7191% | 1,330 |
| Memoranda: | ||
| Average total assets | $65,505,330 | 5,113 |
| Average earning assets | $58,384,000 | 5,152 |
| Average equity | $6,878,670 | 5,218 |
| Average total loans | $31,776,330 | 5,237 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 4,530 |
| Cost of funding earning assets | 0.1951% | 5,248 |
| Net interest margin | 3.4373% | 3,730 |
| Noninterest income to average assets | 0.3620% | 4,135 |
| Noninterest expense to average assets | 2.7390% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4970% | 4,639 |
| Return on assets (ROA) | 0.5912% | 4,335 |
| Pretax return on assets | 0.8386% | 4,067 |
| Return on Equity (ROE) | 5.7364% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.3950% | 3,804 |
| Net charge-offs to loans | 0.0500% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,195 |
| Efficiency ratio | 79.5096% | 1,663 |
| Assets per employee ($millions) | 3.8891% | 4,138 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,786 |
| Loan loss allowance to noncurrent loans | 713.5593% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 4,583 |
| Noncurrent loans to loans | 0.1853% | 4,749 |
| Net loans and leases to total assets | 47.5157% | 5,005 |
| Net loans and leases to deposits | 53.5443% | 5,127 |
| Net loans and leases to core deposits | 54.3014% | 5,231 |
| Total domestic deposits to total assets | 88.7408% | 1,230 |
| Equity capital to assets | 10.3955% | 3,623 |
| Core capital (leverage) ratio | 10.4922% | 2,975 |
| Tier 1 risk-based capital ratio | 20.2863% | 1,444 |
| Total risk-based capital ratio | 21.5289% | 1,418 |
| Memoranda: | ||
| Average total assets | $66,302,500 | 5,142 |
| Average earning assets | $59,466,000 | 5,174 |
| Average equity | $6,833,500 | 5,266 |
| Average total loans | $31,989,500 | 5,270 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 4,545 |
| Cost of funding earning assets | 0.2172% | 5,122 |
| Net interest margin | 3.4261% | 3,813 |
| Noninterest income to average assets | 0.3679% | 4,271 |
| Noninterest expense to average assets | 2.6148% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5885% | 4,335 |
| Return on assets (ROA) | 0.6365% | 4,188 |
| Pretax return on assets | 0.9081% | 3,807 |
| Return on Equity (ROE) | 6.3535% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.1075% | 5,074 |
| Net charge-offs to loans | 0.0545% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 31.9444% | 1,394 |
| Efficiency ratio | 75.6974% | 2,323 |
| Assets per employee ($millions) | 3.6939% | 4,487 |
| Cash dividends to net income (ytd only)* | 82.5688% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,786 |
| Loan loss allowance to noncurrent loans | 615.9420% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,554 |
| Noncurrent loans to loans | 0.2147% | 4,647 |
| Net loans and leases to total assets | 47.7034% | 5,042 |
| Net loans and leases to deposits | 53.5913% | 5,185 |
| Net loans and leases to core deposits | 54.3414% | 5,294 |
| Total domestic deposits to total assets | 89.0134% | 1,111 |
| Equity capital to assets | 10.2181% | 3,723 |
| Core capital (leverage) ratio | 10.1332% | 3,344 |
| Tier 1 risk-based capital ratio | 20.1159% | 1,463 |
| Total risk-based capital ratio | 21.3656% | 1,438 |
| Memoranda: | ||
| Average total assets | $68,496,000 | 5,120 |
| Average earning assets | $61,702,000 | 5,137 |
| Average equity | $6,862,400 | 5,269 |
| Average total loans | $33,033,600 | 5,258 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 4,709 |
| Cost of funding earning assets | 0.2187% | 5,202 |
| Net interest margin | 3.3896% | 4,002 |
| Noninterest income to average assets | 0.3633% | 4,329 |
| Noninterest expense to average assets | 2.5218% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6126% | 4,315 |
| Return on assets (ROA) | 0.6744% | 4,123 |
| Pretax return on assets | 0.9874% | 3,659 |
| Return on Equity (ROE) | 6.7639% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.4383% | 3,302 |
| Net charge-offs to loans | 0.0521% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.6982% | 1,343 |
| Efficiency ratio | 73.7705% | 2,596 |
| Assets per employee ($millions) | 3.7905% | 4,286 |
| Cash dividends to net income (ytd only)* | 34.3849% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 2,906 |
| Loan loss allowance to noncurrent loans | 247.1264% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 4,145 |
| Noncurrent loans to loans | 0.5420% | 3,720 |
| Net loans and leases to total assets | 46.4187% | 5,201 |
| Net loans and leases to deposits | 52.2727% | 5,352 |
| Net loans and leases to core deposits | 53.4378% | 5,435 |
| Total domestic deposits to total assets | 88.8009% | 1,126 |
| Equity capital to assets | 10.3446% | 3,762 |
| Core capital (leverage) ratio | 10.3484% | 3,198 |
| Tier 1 risk-based capital ratio | 20.9554% | 1,346 |
| Total risk-based capital ratio | 22.2054% | 1,323 |
| Memoranda: | ||
| Average total assets | $68,997,500 | 5,176 |
| Average earning assets | $62,188,000 | 5,188 |
| Average equity | $6,879,500 | 5,335 |
| Average total loans | $33,256,250 | 5,313 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 4,731 |
| Cost of funding earning assets | 0.2212% | 5,241 |
| Net interest margin | 3.3725% | 4,000 |
| Noninterest income to average assets | 0.3610% | 4,357 |
| Noninterest expense to average assets | 2.4836% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6245% | 4,239 |
| Return on assets (ROA) | 0.6873% | 4,063 |
| Pretax return on assets | 1.0079% | 3,554 |
| Return on Equity (ROE) | 6.9795% | 3,620 |
| Retained earnings to average equity (ytd only) | 4.6334% | 3,090 |
| Net charge-offs to loans | 0.0535% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 35.2222% | 1,224 |
| Efficiency ratio | 73.0671% | 2,825 |
| Assets per employee ($millions) | 3.7789% | 4,282 |
| Cash dividends to net income (ytd only)* | 33.6134% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 3,144 |
| Loan loss allowance to noncurrent loans | 364.7059% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 4,566 |
| Noncurrent loans to loans | 0.3614% | 4,413 |
| Net loans and leases to total assets | 47.7647% | 5,128 |
| Net loans and leases to deposits | 53.6448% | 5,282 |
| Net loans and leases to core deposits | 54.8391% | 5,376 |
| Total domestic deposits to total assets | 89.0387% | 1,120 |
| Equity capital to assets | 10.1689% | 3,837 |
| Core capital (leverage) ratio | 10.0765% | 3,499 |
| Tier 1 risk-based capital ratio | 19.9575% | 1,556 |
| Total risk-based capital ratio | 21.2083% | 1,520 |
| Memoranda: | ||
| Average total assets | $69,253,670 | 5,233 |
| Average earning assets | $62,386,670 | 5,242 |
| Average equity | $6,820,000 | 5,391 |
| Average total loans | $33,641,330 | 5,335 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 4,775 |
| Cost of funding earning assets | 0.2161% | 5,354 |
| Net interest margin | 3.3552% | 4,003 |
| Noninterest income to average assets | 0.3492% | 4,404 |
| Noninterest expense to average assets | 2.4274% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6412% | 4,083 |
| Return on assets (ROA) | 0.6412% | 4,202 |
| Pretax return on assets | 0.9446% | 3,720 |
| Return on Equity (ROE) | 6.6160% | 3,702 |
| Retained earnings to average equity (ytd only) | 4.2531% | 3,466 |
| Net charge-offs to loans | 0.0235% | 2,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 582 |
| Efficiency ratio | 71.9864% | 3,173 |
| Assets per employee ($millions) | 3.9351% | 4,090 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,201 |
| Loan loss allowance to noncurrent loans | 361.4754% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 4,702 |
| Noncurrent loans to loans | 0.3702% | 4,480 |
| Net loans and leases to total assets | 45.9086% | 5,209 |
| Net loans and leases to deposits | 51.3186% | 5,371 |
| Net loans and leases to core deposits | 52.4036% | 5,462 |
| Total domestic deposits to total assets | 89.4582% | 1,015 |
| Equity capital to assets | 9.7470% | 4,436 |
| Core capital (leverage) ratio | 9.9136% | 3,725 |
| Tier 1 risk-based capital ratio | 19.7121% | 1,688 |
| Total risk-based capital ratio | 20.9609% | 1,650 |
| Memoranda: | ||
| Average total assets | $69,870,000 | 5,262 |
| Average earning assets | $62,947,500 | 5,279 |
| Average equity | $6,771,500 | 5,444 |
| Average total loans | $34,000,000 | 5,374 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 3,827 |
| Cost of funding earning assets | 0.2836% | 4,971 |
| Net interest margin | 3.6888% | 3,049 |
| Noninterest income to average assets | 0.3925% | 4,246 |
| Noninterest expense to average assets | 2.7897% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6181% | 4,286 |
| Return on assets (ROA) | 0.6424% | 4,281 |
| Pretax return on assets | 0.9480% | 3,700 |
| Return on Equity (ROE) | 6.2229% | 4,036 |
| Retained earnings to average equity (ytd only) | 0.8117% | 5,403 |
| Net charge-offs to loans | 0.0149% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 117.6000% | 452 |
| Efficiency ratio | 75.3562% | 2,621 |
| Assets per employee ($millions) | 3.8282% | 4,296 |
| Cash dividends to net income (ytd only)* | 86.9565% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 3,631 |
| Loan loss allowance to noncurrent loans | 346.0938% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 4,697 |
| Noncurrent loans to loans | 0.3653% | 4,558 |
| Net loans and leases to total assets | 50.2090% | 4,952 |
| Net loans and leases to deposits | 55.9956% | 5,185 |
| Net loans and leases to core deposits | 57.2085% | 5,295 |
| Total domestic deposits to total assets | 89.6659% | 892 |
| Equity capital to assets | 9.6346% | 4,547 |
| Core capital (leverage) ratio | 10.1185% | 3,410 |
| Tier 1 risk-based capital ratio | 17.7562% | 2,217 |
| Total risk-based capital ratio | 18.9220% | 2,222 |
| Memoranda: | ||
| Average total assets | $64,450,800 | 5,437 |
| Average earning assets | $57,824,400 | 5,462 |
| Average equity | $6,652,800 | 5,491 |
| Average total loans | $33,517,800 | 5,420 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,780 |
| Cost of funding earning assets | 0.2929% | 4,950 |
| Net interest margin | 3.7026% | 3,016 |
| Noninterest income to average assets | 0.4000% | 4,243 |
| Noninterest expense to average assets | 2.7724% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6391% | 4,262 |
| Return on assets (ROA) | 0.6715% | 4,185 |
| Pretax return on assets | 1.0020% | 3,584 |
| Return on Equity (ROE) | 6.3898% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.9862% | 3,814 |
| Net charge-offs to loans | 0.0241% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 75.4975% | 734 |
| Efficiency ratio | 74.4068% | 2,758 |
| Assets per employee ($millions) | 3.3043% | 5,230 |
| Cash dividends to net income (ytd only)* | 37.6187% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 3,821 |
| Loan loss allowance to noncurrent loans | 165.5431% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 4,159 |
| Noncurrent loans to loans | 0.7665% | 3,671 |
| Net loans and leases to total assets | 52.0406% | 4,801 |
| Net loans and leases to deposits | 58.4444% | 5,069 |
| Net loans and leases to core deposits | 59.7741% | 5,208 |
| Total domestic deposits to total assets | 89.0429% | 1,215 |
| Equity capital to assets | 10.2731% | 3,822 |
| Core capital (leverage) ratio | 10.5961% | 2,927 |
| Tier 1 risk-based capital ratio | 17.9395% | 2,230 |
| Total risk-based capital ratio | 19.0900% | 2,224 |
| Memoranda: | ||
| Average total assets | $63,336,500 | 5,526 |
| Average earning assets | $56,895,500 | 5,545 |
| Average equity | $6,656,250 | 5,543 |
| Average total loans | $33,137,000 | 5,485 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,702 |
| Cost of funding earning assets | 0.3033% | 4,941 |
| Net interest margin | 3.7042% | 2,947 |
| Noninterest income to average assets | 0.4101% | 4,171 |
| Noninterest expense to average assets | 2.8004% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6257% | 4,216 |
| Return on assets (ROA) | 0.6600% | 4,143 |
| Pretax return on assets | 0.9869% | 3,526 |
| Return on Equity (ROE) | 6.2311% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.8113% | 3,755 |
| Net charge-offs to loans | 0.0368% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 48.6667% | 926 |
| Efficiency ratio | 74.9571% | 2,812 |
| Assets per employee ($millions) | 3.2152% | 5,402 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 3,717 |
| Loan loss allowance to noncurrent loans | 377.7778% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 4,979 |
| Noncurrent loans to loans | 0.3511% | 4,948 |
| Net loans and leases to total assets | 51.1376% | 4,843 |
| Net loans and leases to deposits | 57.6460% | 5,072 |
| Net loans and leases to core deposits | 59.3181% | 5,179 |
| Total domestic deposits to total assets | 88.7097% | 1,529 |
| Equity capital to assets | 10.5283% | 3,410 |
| Core capital (leverage) ratio | 10.8984% | 2,531 |
| Tier 1 risk-based capital ratio | 18.0923% | 2,208 |
| Total risk-based capital ratio | 19.2651% | 2,207 |
| Memoranda: | ||
| Average total assets | $62,420,330 | 5,601 |
| Average earning assets | $56,044,330 | 5,620 |
| Average equity | $6,612,000 | 5,581 |
| Average total loans | $32,571,670 | 5,550 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,739 |
| Cost of funding earning assets | 0.2979% | 5,086 |
| Net interest margin | 3.6907% | 2,898 |
| Noninterest income to average assets | 0.4034% | 4,158 |
| Noninterest expense to average assets | 2.8107% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6051% | 4,175 |
| Return on assets (ROA) | 0.6051% | 4,251 |
| Pretax return on assets | 0.8979% | 3,703 |
| Return on Equity (ROE) | 5.6942% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.2451% | 4,173 |
| Net charge-offs to loans | 0.0124% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 359 |
| Efficiency ratio | 75.7895% | 2,837 |
| Assets per employee ($millions) | 3.1242% | 5,645 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 3,661 |
| Loan loss allowance to noncurrent loans | 226.9036% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 4,711 |
| Noncurrent loans to loans | 0.6122% | 4,328 |
| Net loans and leases to total assets | 50.7874% | 4,817 |
| Net loans and leases to deposits | 57.3250% | 5,002 |
| Net loans and leases to core deposits | 59.0312% | 5,123 |
| Total domestic deposits to total assets | 88.5955% | 1,895 |
| Equity capital to assets | 10.5931% | 3,152 |
| Core capital (leverage) ratio | 11.0386% | 2,349 |
| Tier 1 risk-based capital ratio | 18.7020% | 2,057 |
| Total risk-based capital ratio | 19.9412% | 2,021 |
| Memoranda: | ||
| Average total assets | $61,479,000 | 5,673 |
| Average earning assets | $55,058,000 | 5,698 |
| Average equity | $6,533,000 | 5,629 |
| Average total loans | $32,195,000 | 5,622 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 2,925 |
| Cost of funding earning assets | 0.4026% | 4,621 |
| Net interest margin | 3.9066% | 2,261 |
| Noninterest income to average assets | 0.4407% | 4,153 |
| Noninterest expense to average assets | 2.9171% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6877% | 3,858 |
| Return on assets (ROA) | 0.6877% | 3,952 |
| Pretax return on assets | 1.0170% | 3,284 |
| Return on Equity (ROE) | 6.5024% | 3,830 |
| Retained earnings to average equity (ytd only) | 1.0074% | 5,392 |
| Net charge-offs to loans | 0.0211% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 501 |
| Efficiency ratio | 74.1485% | 3,107 |
| Assets per employee ($millions) | 3.0237% | 5,794 |
| Cash dividends to net income (ytd only)* | 84.5070% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 3,701 |
| Loan loss allowance to noncurrent loans | 240.8602% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 4,207 |
| Noncurrent loans to loans | 0.5775% | 4,539 |
| Net loans and leases to total assets | 52.5201% | 4,786 |
| Net loans and leases to deposits | 59.2622% | 5,007 |
| Net loans and leases to core deposits | 60.5006% | 5,187 |
| Total domestic deposits to total assets | 88.6232% | 1,844 |
| Equity capital to assets | 10.6608% | 2,968 |
| Core capital (leverage) ratio | 10.9619% | 2,426 |
| Tier 1 risk-based capital ratio | 18.8599% | 1,965 |
| Total risk-based capital ratio | 20.1110% | 1,923 |
| Memoranda: | ||
| Average total assets | $61,944,600 | 5,707 |
| Average earning assets | $55,393,200 | 5,720 |
| Average equity | $6,551,400 | 5,681 |
| Average total loans | $33,115,400 | 5,617 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,979 |
| Cost of funding earning assets | 0.4237% | 4,572 |
| Net interest margin | 3.8800% | 2,342 |
| Noninterest income to average assets | 0.4365% | 4,255 |
| Noninterest expense to average assets | 2.8458% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6976% | 3,874 |
| Return on assets (ROA) | 0.6976% | 4,011 |
| Pretax return on assets | 1.0592% | 3,267 |
| Return on Equity (ROE) | 6.6083% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.1758% | 3,713 |
| Net charge-offs to loans | 0.0080% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 247.1835% | 239 |
| Efficiency ratio | 72.8767% | 3,249 |
| Assets per employee ($millions) | 3.1188% | 5,641 |
| Cash dividends to net income (ytd only)* | 36.8104% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 4,088 |
| Loan loss allowance to noncurrent loans | 187.9668% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 4,240 |
| Noncurrent loans to loans | 0.7229% | 4,405 |
| Net loans and leases to total assets | 52.7174% | 4,789 |
| Net loans and leases to deposits | 59.3053% | 5,056 |
| Net loans and leases to core deposits | 60.9035% | 5,230 |
| Total domestic deposits to total assets | 88.8916% | 1,616 |
| Equity capital to assets | 10.4447% | 3,350 |
| Core capital (leverage) ratio | 11.1826% | 2,319 |
| Tier 1 risk-based capital ratio | 19.0882% | 1,961 |
| Total risk-based capital ratio | 20.3537% | 1,925 |
| Memoranda: | ||
| Average total assets | $62,312,250 | 5,755 |
| Average earning assets | $55,702,750 | 5,768 |
| Average equity | $6,577,500 | 5,745 |
| Average total loans | $33,342,000 | 5,665 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,939 |
| Cost of funding earning assets | 0.4278% | 4,680 |
| Net interest margin | 3.8755% | 2,293 |
| Noninterest income to average assets | 0.4431% | 4,221 |
| Noninterest expense to average assets | 2.8704% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6903% | 3,854 |
| Return on assets (ROA) | 0.6903% | 4,024 |
| Pretax return on assets | 1.0339% | 3,356 |
| Return on Equity (ROE) | 6.5168% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.0919% | 3,689 |
| Net charge-offs to loans | 0.0360% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 762 |
| Efficiency ratio | 73.5197% | 3,220 |
| Assets per employee ($millions) | 2.8743% | 6,064 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,306 |
| Loan loss allowance to noncurrent loans | 172.6923% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 4,218 |
| Noncurrent loans to loans | 0.7768% | 4,363 |
| Net loans and leases to total assets | 54.7101% | 4,492 |
| Net loans and leases to deposits | 61.7183% | 4,772 |
| Net loans and leases to core deposits | 63.4411% | 4,953 |
| Total domestic deposits to total assets | 88.6448% | 1,812 |
| Equity capital to assets | 10.6445% | 3,126 |
| Core capital (leverage) ratio | 10.8442% | 2,507 |
| Tier 1 risk-based capital ratio | 19.1435% | 1,958 |
| Total risk-based capital ratio | 20.3946% | 1,925 |
| Memoranda: | ||
| Average total assets | $62,291,000 | 5,796 |
| Average earning assets | $55,632,000 | 5,806 |
| Average equity | $6,598,330 | 5,780 |
| Average total loans | $33,344,000 | 5,695 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 3,159 |
| Cost of funding earning assets | 0.4103% | 5,006 |
| Net interest margin | 3.8275% | 2,353 |
| Noninterest income to average assets | 0.4300% | 4,249 |
| Noninterest expense to average assets | 2.8329% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6829% | 3,767 |
| Return on assets (ROA) | 0.6829% | 3,920 |
| Pretax return on assets | 1.0181% | 3,272 |
| Return on Equity (ROE) | 6.4622% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.0688% | 3,781 |
| Net charge-offs to loans | 0.0721% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 26.8333% | 1,019 |
| Efficiency ratio | 73.5632% | 3,339 |
| Assets per employee ($millions) | 3.0345% | 5,922 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 4,365 |
| Loan loss allowance to noncurrent loans | 242.7027% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2115% | 3,544 |
| Noncurrent loans to loans | 0.5658% | 5,021 |
| Net loans and leases to total assets | 50.6018% | 4,910 |
| Net loans and leases to deposits | 57.0463% | 5,135 |
| Net loans and leases to core deposits | 58.5429% | 5,289 |
| Total domestic deposits to total assets | 88.7030% | 1,867 |
| Equity capital to assets | 10.5485% | 3,493 |
| Core capital (leverage) ratio | 10.7251% | 2,523 |
| Tier 1 risk-based capital ratio | 19.0216% | 2,037 |
| Total risk-based capital ratio | 20.2716% | 2,010 |
| Memoranda: | ||
| Average total assets | $63,256,500 | 5,828 |
| Average earning assets | $56,537,500 | 5,839 |
| Average equity | $6,685,000 | 5,820 |
| Average total loans | $33,280,000 | 5,734 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 1,828 |
| Cost of funding earning assets | 0.5707% | 4,635 |
| Net interest margin | 4.3323% | 1,321 |
| Noninterest income to average assets | 0.4732% | 4,077 |
| Noninterest expense to average assets | 3.0637% | 3,033 |
| Loan and lease loss provision to assets | 0.0327% | 5,485 |
| Net operating income to assets | 0.7727% | 3,402 |
| Return on assets (ROA) | 0.7794% | 3,623 |
| Pretax return on assets | 1.1528% | 2,979 |
| Return on Equity (ROE) | 7.1437% | 3,558 |
| Retained earnings to average equity (ytd only) | 1.7409% | 4,987 |
| Net charge-offs to loans | 0.0786% | 4,885 |
| Credit loss provision to net charge-offs | 74.0741% | 4,039 |
| Earnings coverage of net charge-offs (x) | 26.5926% | 1,093 |
| Efficiency ratio | 72.2673% | 3,369 |
| Assets per employee ($millions) | 2.7299% | 6,391 |
| Cash dividends to net income (ytd only)* | 75.6303% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,442 |
| Loan loss allowance to noncurrent loans | 535.2941% | 779 |
| Noncurrent assets plus other real estate owned to assets | 1.4430% | 3,220 |
| Noncurrent loans to loans | 0.2510% | 5,852 |
| Net loans and leases to total assets | 53.2108% | 4,728 |
| Net loans and leases to deposits | 59.9347% | 5,029 |
| Net loans and leases to core deposits | 61.5274% | 5,203 |
| Total domestic deposits to total assets | 88.7813% | 1,710 |
| Equity capital to assets | 10.5880% | 3,413 |
| Core capital (leverage) ratio | 10.7450% | 2,501 |
| Tier 1 risk-based capital ratio | 18.4658% | 2,113 |
| Total risk-based capital ratio | 19.7141% | 2,081 |
| Memoranda: | ||
| Average total assets | $61,070,600 | 5,897 |
| Average earning assets | $53,089,800 | 5,953 |
| Average equity | $6,663,200 | 5,859 |
| Average total loans | $34,334,400 | 5,748 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 1,765 |
| Cost of funding earning assets | 0.6110% | 4,531 |
| Net interest margin | 4.3633% | 1,312 |
| Noninterest income to average assets | 0.4749% | 4,099 |
| Noninterest expense to average assets | 2.9264% | 3,494 |
| Loan and lease loss provision to assets | 0.0440% | 5,223 |
| Net operating income to assets | 0.8378% | 3,271 |
| Return on assets (ROA) | 0.8465% | 3,479 |
| Pretax return on assets | 1.2862% | 2,657 |
| Return on Equity (ROE) | 7.6994% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.2995% | 3,159 |
| Net charge-offs to loans | 0.0851% | 4,534 |
| Credit loss provision to net charge-offs | 90.9091% | 3,267 |
| Earnings coverage of net charge-offs (x) | 27.2298% | 1,191 |
| Efficiency ratio | 68.9637% | 3,884 |
| Assets per employee ($millions) | 3.1043% | 5,840 |
| Cash dividends to net income (ytd only)* | 31.1696% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,636 |
| Loan loss allowance to noncurrent loans | 171.0037% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 1.7718% | 2,954 |
| Noncurrent loans to loans | 0.7830% | 4,843 |
| Net loans and leases to total assets | 54.5945% | 4,653 |
| Net loans and leases to deposits | 61.7992% | 4,990 |
| Net loans and leases to core deposits | 63.7040% | 5,186 |
| Total domestic deposits to total assets | 88.3418% | 1,819 |
| Equity capital to assets | 11.0236% | 3,245 |
| Core capital (leverage) ratio | 10.9986% | 2,382 |
| Tier 1 risk-based capital ratio | 18.8741% | 2,050 |
| Total risk-based capital ratio | 20.1248% | 2,016 |
| Memoranda: | ||
| Average total assets | $60,641,250 | 5,974 |
| Average earning assets | $52,375,250 | 6,044 |
| Average equity | $6,667,000 | 5,921 |
| Average total loans | $34,451,750 | 5,817 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 1,483 |
| Cost of funding earning assets | 0.6317% | 4,612 |
| Net interest margin | 4.4762% | 1,037 |
| Noninterest income to average assets | 0.4688% | 4,144 |
| Noninterest expense to average assets | 2.9355% | 3,492 |
| Loan and lease loss provision to assets | 0.0598% | 4,901 |
| Net operating income to assets | 0.8547% | 3,112 |
| Return on assets (ROA) | 0.8677% | 3,319 |
| Pretax return on assets | 1.3331% | 2,444 |
| Return on Equity (ROE) | 7.8995% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.4782% | 3,001 |
| Net charge-offs to loans | 0.0522% | 4,675 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 45.8889% | 786 |
| Efficiency ratio | 68.1327% | 4,094 |
| Assets per employee ($millions) | 3.0868% | 5,878 |
| Cash dividends to net income (ytd only)* | 30.6513% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 4,506 |
| Loan loss allowance to noncurrent loans | 110.5634% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 2.0394% | 2,736 |
| Noncurrent loans to loans | 1.2562% | 4,036 |
| Net loans and leases to total assets | 54.1702% | 4,770 |
| Net loans and leases to deposits | 61.2614% | 5,093 |
| Net loans and leases to core deposits | 63.1553% | 5,286 |
| Total domestic deposits to total assets | 88.4247% | 1,867 |
| Equity capital to assets | 10.9063% | 3,219 |
| Core capital (leverage) ratio | 11.0506% | 2,253 |
| Tier 1 risk-based capital ratio | 18.4707% | 2,142 |
| Total risk-based capital ratio | 19.7212% | 2,099 |
| Memoranda: | ||
| Average total assets | $60,160,000 | 6,020 |
| Average earning assets | $51,606,000 | 6,103 |
| Average equity | $6,608,000 | 5,954 |
| Average total loans | $34,484,000 | 5,850 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 1,591 |
| Cost of funding earning assets | 0.6572% | 4,664 |
| Net interest margin | 4.4364% | 1,149 |
| Noninterest income to average assets | 0.4649% | 4,187 |
| Noninterest expense to average assets | 2.9374% | 3,482 |
| Loan and lease loss provision to assets | 0.0539% | 4,739 |
| Net operating income to assets | 0.8535% | 3,139 |
| Return on assets (ROA) | 0.8624% | 3,328 |
| Pretax return on assets | 1.3070% | 2,510 |
| Return on Equity (ROE) | 7.8222% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.3777% | 3,325 |
| Net charge-offs to loans | 0.0805% | 3,688 |
| Credit loss provision to net charge-offs | 114.2857% | 2,067 |
| Earnings coverage of net charge-offs (x) | 28.5714% | 961 |
| Efficiency ratio | 68.5535% | 4,059 |
| Assets per employee ($millions) | 3.0163% | 6,121 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 4,879 |
| Loan loss allowance to noncurrent loans | 105.9497% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 2.1052% | 2,771 |
| Noncurrent loans to loans | 1.2566% | 4,234 |
| Net loans and leases to total assets | 56.8776% | 4,234 |
| Net loans and leases to deposits | 64.3909% | 4,578 |
| Net loans and leases to core deposits | 66.4202% | 4,867 |
| Total domestic deposits to total assets | 88.3317% | 2,109 |
| Equity capital to assets | 10.9190% | 3,009 |
| Core capital (leverage) ratio | 11.1834% | 2,121 |
| Tier 1 risk-based capital ratio | 17.9024% | 2,334 |
| Total risk-based capital ratio | 19.1585% | 2,301 |
| Memoranda: | ||
| Average total assets | $59,372,500 | 6,083 |
| Average earning assets | $51,123,000 | 6,152 |
| Average equity | $6,545,500 | 6,008 |
| Average total loans | $34,769,500 | 5,883 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 1,685 |
| Cost of funding earning assets | 0.8240% | 4,682 |
| Net interest margin | 4.4811% | 1,181 |
| Noninterest income to average assets | 0.4716% | 4,047 |
| Noninterest expense to average assets | 3.1016% | 3,189 |
| Loan and lease loss provision to assets | 0.1033% | 5,295 |
| Net operating income to assets | 0.7125% | 3,428 |
| Return on assets (ROA) | 0.7522% | 3,417 |
| Pretax return on assets | 1.1756% | 2,549 |
| Return on Equity (ROE) | 6.6887% | 3,545 |
| Retained earnings to average equity (ytd only) | 1.1786% | 5,301 |
| Net charge-offs to loans | 0.1126% | 5,248 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 18.6053% | 1,212 |
| Efficiency ratio | 71.8214% | 3,613 |
| Assets per employee ($millions) | 2.9210% | 6,246 |
| Cash dividends to net income (ytd only)* | 82.3799% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,762 |
| Loan loss allowance to noncurrent loans | 136.2832% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 2.0319% | 2,920 |
| Noncurrent loans to loans | 0.9751% | 4,760 |
| Net loans and leases to total assets | 58.7172% | 4,244 |
| Net loans and leases to deposits | 66.5787% | 4,653 |
| Net loans and leases to core deposits | 68.9072% | 4,917 |
| Total domestic deposits to total assets | 88.1922% | 2,032 |
| Equity capital to assets | 11.1334% | 2,856 |
| Core capital (leverage) ratio | 11.2206% | 2,105 |
| Tier 1 risk-based capital ratio | 17.5065% | 2,380 |
| Total risk-based capital ratio | 18.7487% | 2,349 |
| Memoranda: | ||
| Average total assets | $58,098,800 | 6,104 |
| Average earning assets | $49,876,600 | 6,198 |
| Average equity | $6,533,400 | 6,006 |
| Average total loans | $33,755,600 | 5,962 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 1,997 |
| Cost of funding earning assets | 0.8609% | 4,703 |
| Net interest margin | 4.3975% | 1,413 |
| Noninterest income to average assets | 0.4711% | 4,116 |
| Noninterest expense to average assets | 3.0403% | 3,402 |
| Loan and lease loss provision to assets | 0.1264% | 4,850 |
| Net operating income to assets | 0.6801% | 3,715 |
| Return on assets (ROA) | 0.7331% | 3,639 |
| Pretax return on assets | 1.1789% | 2,697 |
| Return on Equity (ROE) | 6.5026% | 3,766 |
| Retained earnings to average equity (ytd only) | 4.0566% | 3,842 |
| Net charge-offs to loans | 0.1393% | 4,665 |
| Credit loss provision to net charge-offs | 157.1429% | 1,974 |
| Earnings coverage of net charge-offs (x) | 15.1986% | 1,483 |
| Efficiency ratio | 71.3208% | 3,688 |
| Assets per employee ($millions) | 2.8893% | 6,334 |
| Cash dividends to net income (ytd only)* | 37.6187% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 5,000 |
| Loan loss allowance to noncurrent loans | 66.8605% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 3,120 |
| Noncurrent loans to loans | 1.9482% | 3,431 |
| Net loans and leases to total assets | 60.3184% | 4,076 |
| Net loans and leases to deposits | 68.7299% | 4,480 |
| Net loans and leases to core deposits | 71.4549% | 4,776 |
| Total domestic deposits to total assets | 87.7615% | 2,187 |
| Equity capital to assets | 11.5982% | 2,588 |
| Core capital (leverage) ratio | 11.4667% | 2,047 |
| Tier 1 risk-based capital ratio | 17.6710% | 2,372 |
| Total risk-based capital ratio | 18.8965% | 2,351 |
| Memoranda: | ||
| Average total assets | $58,018,750 | 6,151 |
| Average earning assets | $50,027,000 | 6,243 |
| Average equity | $6,540,750 | 6,044 |
| Average total loans | $33,503,500 | 6,035 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 2,291 |
| Cost of funding earning assets | 0.8666% | 4,935 |
| Net interest margin | 4.3251% | 1,580 |
| Noninterest income to average assets | 0.4613% | 4,180 |
| Noninterest expense to average assets | 3.0260% | 3,539 |
| Loan and lease loss provision to assets | 0.0516% | 5,666 |
| Net operating income to assets | 0.7298% | 3,388 |
| Return on assets (ROA) | 0.7298% | 3,505 |
| Pretax return on assets | 1.1292% | 2,727 |
| Return on Equity (ROE) | 6.5361% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.0697% | 3,610 |
| Net charge-offs to loans | 0.1581% | 4,232 |
| Credit loss provision to net charge-offs | 57.6923% | 4,402 |
| Earnings coverage of net charge-offs (x) | 13.1923% | 1,571 |
| Efficiency ratio | 71.9313% | 3,745 |
| Assets per employee ($millions) | 2.7543% | 6,554 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 5,108 |
| Loan loss allowance to noncurrent loans | 50.3521% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.2752% | 2,887 |
| Noncurrent loans to loans | 2.5621% | 2,816 |
| Net loans and leases to total assets | 56.7514% | 4,861 |
| Net loans and leases to deposits | 64.5958% | 5,197 |
| Net loans and leases to core deposits | 67.1433% | 5,375 |
| Total domestic deposits to total assets | 87.8562% | 2,239 |
| Equity capital to assets | 11.5335% | 2,472 |
| Core capital (leverage) ratio | 11.4743% | 1,926 |
| Tier 1 risk-based capital ratio | 18.5925% | 1,968 |
| Total risk-based capital ratio | 19.8074% | 1,947 |
| Memoranda: | ||
| Average total assets | $58,096,670 | 6,204 |
| Average earning assets | $50,311,000 | 6,278 |
| Average equity | $6,487,000 | 6,087 |
| Average total loans | $32,899,670 | 6,141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 2,604 |
| Cost of funding earning assets | 0.8698% | 5,135 |
| Net interest margin | 4.2395% | 1,786 |
| Noninterest income to average assets | 0.4465% | 4,320 |
| Noninterest expense to average assets | 3.0228% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7419% | 3,313 |
| Return on assets (ROA) | 0.7419% | 3,381 |
| Pretax return on assets | 1.1404% | 2,604 |
| Return on Equity (ROE) | 6.7553% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.2533% | 3,617 |
| Net charge-offs to loans | 0.0733% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 886 |
| Efficiency ratio | 72.6073% | 3,749 |
| Assets per employee ($millions) | 2.7592% | 6,605 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,902 |
| Loan loss allowance to noncurrent loans | 68.3465% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.8759% | 3,461 |
| Noncurrent loans to loans | 1.9749% | 3,604 |
| Net loans and leases to total assets | 54.7425% | 5,206 |
| Net loans and leases to deposits | 62.0501% | 5,488 |
| Net loans and leases to core deposits | 64.4689% | 5,681 |
| Total domestic deposits to total assets | 88.2231% | 2,248 |
| Equity capital to assets | 11.0952% | 2,593 |
| Core capital (leverage) ratio | 11.4103% | 1,905 |
| Tier 1 risk-based capital ratio | 18.2807% | 2,028 |
| Total risk-based capital ratio | 19.5012% | 1,993 |
| Memoranda: | ||
| Average total assets | $58,225,000 | 6,248 |
| Average earning assets | $51,044,000 | 6,304 |
| Average equity | $6,395,000 | 6,129 |
| Average total loans | $32,722,500 | 6,201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6494% | 1,751 |
| Cost of funding earning assets | 1.0439% | 5,460 |
| Net interest margin | 4.6055% | 999 |
| Noninterest income to average assets | 0.4806% | 4,312 |
| Noninterest expense to average assets | 3.2126% | 3,042 |
| Loan and lease loss provision to assets | 0.2216% | 5,056 |
| Net operating income to assets | 0.6575% | 3,402 |
| Return on assets (ROA) | 0.6575% | 3,546 |
| Pretax return on assets | 1.0667% | 2,710 |
| Return on Equity (ROE) | 5.7239% | 3,725 |
| Retained earnings to average equity (ytd only) | 1.0577% | 5,013 |
| Net charge-offs to loans | 0.2113% | 5,023 |
| Credit loss provision to net charge-offs | 174.6479% | 1,919 |
| Earnings coverage of net charge-offs (x) | 10.1549% | 1,748 |
| Efficiency ratio | 71.3775% | 3,914 |
| Assets per employee ($millions) | 2.9253% | 6,261 |
| Cash dividends to net income (ytd only)* | 81.5217% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,892 |
| Loan loss allowance to noncurrent loans | 167.9389% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 3,730 |
| Noncurrent loans to loans | 0.7870% | 5,464 |
| Net loans and leases to total assets | 56.1498% | 5,321 |
| Net loans and leases to deposits | 63.4851% | 5,685 |
| Net loans and leases to core deposits | 65.9235% | 5,880 |
| Total domestic deposits to total assets | 88.4456% | 1,984 |
| Equity capital to assets | 10.8724% | 2,800 |
| Core capital (leverage) ratio | 11.3743% | 1,911 |
| Tier 1 risk-based capital ratio | 17.9435% | 2,014 |
| Total risk-based capital ratio | 19.1706% | 1,987 |
| Memoranda: | ||
| Average total assets | $55,968,000 | 6,342 |
| Average earning assets | $48,854,800 | 6,410 |
| Average equity | $6,429,200 | 6,223 |
| Average total loans | $33,605,400 | 6,228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 1,543 |
| Cost of funding earning assets | 1.0869% | 5,505 |
| Net interest margin | 4.6655% | 916 |
| Noninterest income to average assets | 0.4747% | 4,383 |
| Noninterest expense to average assets | 3.1830% | 2,989 |
| Loan and lease loss provision to assets | 0.2843% | 4,304 |
| Net operating income to assets | 0.6409% | 3,695 |
| Return on assets (ROA) | 0.6409% | 3,864 |
| Pretax return on assets | 1.0723% | 2,919 |
| Return on Equity (ROE) | 5.5018% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.0197% | 4,318 |
| Net charge-offs to loans | 0.2256% | 4,579 |
| Credit loss provision to net charge-offs | 207.0175% | 1,709 |
| Earnings coverage of net charge-offs (x) | 9.8770% | 1,948 |
| Efficiency ratio | 70.1168% | 4,041 |
| Assets per employee ($millions) | 2.6430% | 6,860 |
| Cash dividends to net income (ytd only)* | 45.1136% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 4,818 |
| Loan loss allowance to noncurrent loans | 148.3444% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 4,228 |
| Noncurrent loans to loans | 0.8941% | 5,453 |
| Net loans and leases to total assets | 60.0519% | 4,902 |
| Net loans and leases to deposits | 68.5845% | 5,337 |
| Net loans and leases to core deposits | 70.8908% | 5,656 |
| Total domestic deposits to total assets | 87.5590% | 2,233 |
| Equity capital to assets | 11.7725% | 2,308 |
| Core capital (leverage) ratio | 11.8107% | 1,759 |
| Tier 1 risk-based capital ratio | 18.3120% | 1,930 |
| Total risk-based capital ratio | 19.5719% | 1,885 |
| Memoranda: | ||
| Average total assets | $55,333,500 | 6,436 |
| Average earning assets | $48,211,250 | 6,499 |
| Average equity | $6,446,250 | 6,303 |
| Average total loans | $33,684,000 | 6,305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7452% | 1,568 |
| Cost of funding earning assets | 1.1117% | 5,614 |
| Net interest margin | 4.6335% | 926 |
| Noninterest income to average assets | 0.4595% | 4,437 |
| Noninterest expense to average assets | 3.1731% | 3,001 |
| Loan and lease loss provision to assets | 0.4269% | 3,190 |
| Net operating income to assets | 0.5029% | 4,314 |
| Return on assets (ROA) | 0.5029% | 4,462 |
| Pretax return on assets | 0.9009% | 3,486 |
| Return on Equity (ROE) | 4.3322% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.8389% | 4,948 |
| Net charge-offs to loans | 0.3150% | 3,748 |
| Credit loss provision to net charge-offs | 222.6415% | 1,748 |
| Earnings coverage of net charge-offs (x) | 6.9245% | 2,386 |
| Efficiency ratio | 70.4984% | 4,091 |
| Assets per employee ($millions) | 2.5275% | 7,066 |
| Cash dividends to net income (ytd only)* | 57.5540% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,738 |
| Loan loss allowance to noncurrent loans | 159.1549% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 4,183 |
| Noncurrent loans to loans | 0.8413% | 5,595 |
| Net loans and leases to total assets | 59.8946% | 5,077 |
| Net loans and leases to deposits | 68.2214% | 5,536 |
| Net loans and leases to core deposits | 70.9190% | 5,779 |
| Total domestic deposits to total assets | 87.7945% | 2,110 |
| Equity capital to assets | 11.5941% | 2,362 |
| Core capital (leverage) ratio | 11.5477% | 1,887 |
| Tier 1 risk-based capital ratio | 18.1402% | 1,928 |
| Total risk-based capital ratio | 19.4166% | 1,885 |
| Memoranda: | ||
| Average total assets | $55,277,330 | 6,480 |
| Average earning assets | $48,214,000 | 6,543 |
| Average equity | $6,417,000 | 6,334 |
| Average total loans | $33,652,670 | 6,354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6713% | 1,883 |
| Cost of funding earning assets | 1.1409% | 5,694 |
| Net interest margin | 4.5304% | 1,078 |
| Noninterest income to average assets | 0.4355% | 4,603 |
| Noninterest expense to average assets | 3.1717% | 2,971 |
| Loan and lease loss provision to assets | 0.1452% | 5,101 |
| Net operating income to assets | 0.6822% | 3,514 |
| Return on assets (ROA) | 0.6822% | 3,632 |
| Pretax return on assets | 1.0669% | 2,854 |
| Return on Equity (ROE) | 5.8732% | 3,934 |
| Retained earnings to average equity (ytd only) | 3.3739% | 4,133 |
| Net charge-offs to loans | 0.1905% | 3,782 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 1,741 |
| Efficiency ratio | 72.3510% | 3,865 |
| Assets per employee ($millions) | 2.6322% | 6,980 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,712 |
| Loan loss allowance to noncurrent loans | 121.8069% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.8760% | 3,667 |
| Noncurrent loans to loans | 0.9527% | 5,432 |
| Net loans and leases to total assets | 60.2468% | 5,082 |
| Net loans and leases to deposits | 68.6186% | 5,519 |
| Net loans and leases to core deposits | 71.3441% | 5,791 |
| Total domestic deposits to total assets | 87.7994% | 2,178 |
| Equity capital to assets | 11.5873% | 2,303 |
| Core capital (leverage) ratio | 11.7375% | 1,780 |
| Tier 1 risk-based capital ratio | 18.3170% | 1,865 |
| Total risk-based capital ratio | 19.4327% | 1,877 |
| Memoranda: | ||
| Average total assets | $55,113,000 | 6,567 |
| Average earning assets | $48,031,500 | 6,626 |
| Average equity | $6,402,000 | 6,381 |
| Average total loans | $33,600,500 | 6,430 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0932% | 1,535 |
| Cost of funding earning assets | 1.4608% | 5,679 |
| Net interest margin | 4.6325% | 930 |
| Noninterest income to average assets | 0.4420% | 4,868 |
| Noninterest expense to average assets | 3.3589% | 2,810 |
| Loan and lease loss provision to assets | 0.3002% | 5,033 |
| Net operating income to assets | 0.4714% | 3,852 |
| Return on assets (ROA) | 0.4714% | 3,963 |
| Pretax return on assets | 0.7716% | 3,337 |
| Return on Equity (ROE) | 3.9731% | 4,099 |
| Retained earnings to average equity (ytd only) | -0.2949% | 5,021 |
| Net charge-offs to loans | 0.4728% | 3,891 |
| Credit loss provision to net charge-offs | 101.8750% | 5,422 |
| Earnings coverage of net charge-offs (x) | 3.6375% | 3,264 |
| Efficiency ratio | 75.8105% | 3,560 |
| Assets per employee ($millions) | 2.4977% | 7,209 |
| Cash dividends to net income (ytd only)* | 107.4219% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,613 |
| Loan loss allowance to noncurrent loans | 63.4426% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 3,559 |
| Noncurrent loans to loans | 1.8205% | 3,897 |
| Net loans and leases to total assets | 60.2748% | 5,295 |
| Net loans and leases to deposits | 68.6218% | 5,761 |
| Net loans and leases to core deposits | 83.7425% | 5,743 |
| Total domestic deposits to total assets | 87.8362% | 2,054 |
| Equity capital to assets | 11.6451% | 2,219 |
| Core capital (leverage) ratio | 11.7267% | 1,798 |
| Tier 1 risk-based capital ratio | 18.4114% | 1,775 |
| Total risk-based capital ratio | 19.5308% | 1,770 |
| Memoranda: | ||
| Average total assets | $54,303,600 | 6,550 |
| Average earning assets | $46,756,800 | 6,651 |
| Average equity | $6,443,400 | 6,445 |
| Average total loans | $33,841,200 | 6,408 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1945% | 1,391 |
| Cost of funding earning assets | 1.5357% | 5,688 |
| Net interest margin | 4.6588% | 893 |
| Noninterest income to average assets | 0.4433% | 4,950 |
| Noninterest expense to average assets | 3.2851% | 2,975 |
| Loan and lease loss provision to assets | 0.3521% | 4,210 |
| Net operating income to assets | 0.5024% | 3,975 |
| Return on assets (ROA) | 0.5024% | 4,066 |
| Pretax return on assets | 0.8028% | 3,535 |
| Return on Equity (ROE) | 4.2140% | 4,294 |
| Retained earnings to average equity (ytd only) | 1.1155% | 4,695 |
| Net charge-offs to loans | 0.5895% | 2,907 |
| Credit loss provision to net charge-offs | 95.3333% | 5,332 |
| Earnings coverage of net charge-offs (x) | 3.1266% | 3,671 |
| Efficiency ratio | 73.9878% | 3,863 |
| Assets per employee ($millions) | 2.5473% | 7,149 |
| Cash dividends to net income (ytd only)* | 73.5321% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,597 |
| Loan loss allowance to noncurrent loans | 54.7170% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.0227% | 3,316 |
| Noncurrent loans to loans | 2.0479% | 3,569 |
| Net loans and leases to total assets | 62.1894% | 5,212 |
| Net loans and leases to deposits | 71.1837% | 5,777 |
| Net loans and leases to core deposits | 86.9816% | 5,759 |
| Total domestic deposits to total assets | 87.3647% | 1,971 |
| Equity capital to assets | 12.1006% | 2,188 |
| Core capital (leverage) ratio | 11.8082% | 1,901 |
| Tier 1 risk-based capital ratio | 18.8396% | 1,783 |
| Total risk-based capital ratio | 19.9427% | 1,778 |
| Memoranda: | ||
| Average total assets | $54,142,000 | 6,604 |
| Average earning assets | $46,448,500 | 6,716 |
| Average equity | $6,454,500 | 6,503 |
| Average total loans | $33,924,500 | 6,450 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2596% | 1,311 |
| Cost of funding earning assets | 1.5779% | 5,815 |
| Net interest margin | 4.6817% | 825 |
| Noninterest income to average assets | 0.4378% | 4,956 |
| Noninterest expense to average assets | 3.2047% | 3,326 |
| Loan and lease loss provision to assets | 0.5261% | 2,916 |
| Net operating income to assets | 0.4231% | 4,410 |
| Return on assets (ROA) | 0.4231% | 4,522 |
| Pretax return on assets | 0.6807% | 4,065 |
| Return on Equity (ROE) | 3.5668% | 4,677 |
| Retained earnings to average equity (ytd only) | 0.4652% | 5,026 |
| Net charge-offs to loans | 0.8701% | 1,955 |
| Credit loss provision to net charge-offs | 96.6216% | 4,722 |
| Earnings coverage of net charge-offs (x) | 2.2162% | 3,957 |
| Efficiency ratio | 72.6439% | 4,271 |
| Assets per employee ($millions) | 2.5765% | 7,103 |
| Cash dividends to net income (ytd only)* | 86.9565% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 5,349 |
| Loan loss allowance to noncurrent loans | 57.5114% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.9388% | 3,285 |
| Noncurrent loans to loans | 1.9762% | 3,557 |
| Net loans and leases to total assets | 60.9293% | 5,530 |
| Net loans and leases to deposits | 69.5580% | 6,037 |
| Net loans and leases to core deposits | 83.9068% | 6,095 |
| Total domestic deposits to total assets | 87.5950% | 1,972 |
| Equity capital to assets | 11.8765% | 2,276 |
| Core capital (leverage) ratio | 11.7336% | 1,961 |
| Tier 1 risk-based capital ratio | 18.5987% | 1,859 |
| Total risk-based capital ratio | 19.7001% | 1,839 |
| Memoranda: | ||
| Average total assets | $54,358,330 | 6,664 |
| Average earning assets | $46,137,330 | 6,796 |
| Average equity | $6,448,330 | 6,551 |
| Average total loans | $34,018,000 | 6,498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1390% | 1,801 |
| Cost of funding earning assets | 1.5728% | 6,148 |
| Net interest margin | 4.5662% | 1,004 |
| Noninterest income to average assets | 0.4258% | 4,996 |
| Noninterest expense to average assets | 3.1863% | 3,051 |
| Loan and lease loss provision to assets | 0.0954% | 5,739 |
| Net operating income to assets | 0.6828% | 3,646 |
| Return on assets (ROA) | 0.6828% | 3,831 |
| Pretax return on assets | 1.1086% | 2,955 |
| Return on Equity (ROE) | 5.7590% | 4,141 |
| Retained earnings to average equity (ytd only) | 2.6627% | 4,400 |
| Net charge-offs to loans | 0.0466% | 4,827 |
| Credit loss provision to net charge-offs | 325.0000% | 1,525 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 828 |
| Efficiency ratio | 72.5753% | 4,091 |
| Assets per employee ($millions) | 2.6017% | 7,101 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 5,046 |
| Loan loss allowance to noncurrent loans | 41.1088% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 1.9914% | 2,919 |
| Noncurrent loans to loans | 2.8235% | 2,319 |
| Net loans and leases to total assets | 61.2538% | 5,456 |
| Net loans and leases to deposits | 69.9219% | 5,987 |
| Net loans and leases to core deposits | 83.7027% | 6,083 |
| Total domestic deposits to total assets | 87.6032% | 1,922 |
| Equity capital to assets | 11.7983% | 2,384 |
| Core capital (leverage) ratio | 11.8326% | 1,983 |
| Tier 1 risk-based capital ratio | 18.6701% | 1,890 |
| Total risk-based capital ratio | 19.8118% | 1,871 |
| Memoranda: | ||
| Average total assets | $54,484,000 | 6,691 |
| Average earning assets | $47,304,000 | 6,776 |
| Average equity | $6,459,500 | 6,594 |
| Average total loans | $34,354,000 | 6,527 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5464% | 2,736 |
| Cost of funding earning assets | 1.8406% | 6,897 |
| Net interest margin | 4.7059% | 957 |
| Noninterest income to average assets | 0.4714% | 4,866 |
| Noninterest expense to average assets | 3.2037% | 3,324 |
| Loan and lease loss provision to assets | 0.0982% | 6,131 |
| Net operating income to assets | 0.8590% | 3,181 |
| Return on assets (ROA) | 0.8590% | 3,026 |
| Pretax return on assets | 1.3518% | 2,123 |
| Return on Equity (ROE) | 7.4180% | 3,314 |
| Retained earnings to average equity (ytd only) | 1.2492% | 4,473 |
| Net charge-offs to loans | 0.0944% | 5,385 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 24.6061% | 1,371 |
| Efficiency ratio | 68.8411% | 4,570 |
| Assets per employee ($millions) | 2.5873% | 7,038 |
| Cash dividends to net income (ytd only)* | 83.1601% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 5,265 |
| Loan loss allowance to noncurrent loans | 247.7419% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,593 |
| Noncurrent loans to loans | 0.4448% | 6,023 |
| Net loans and leases to total assets | 63.4329% | 5,382 |
| Net loans and leases to deposits | 72.4329% | 6,003 |
| Net loans and leases to core deposits | 87.6303% | 6,007 |
| Total domestic deposits to total assets | 87.5748% | 1,679 |
| Equity capital to assets | 11.9136% | 2,345 |
| Core capital (leverage) ratio | 11.9752% | 1,978 |
| Tier 1 risk-based capital ratio | 18.3154% | 1,956 |
| Total risk-based capital ratio | 19.4170% | 1,950 |
| Memoranda: | ||
| Average total assets | $55,998,000 | 6,532 |
| Average earning assets | $49,767,600 | 6,599 |
| Average equity | $6,484,200 | 6,648 |
| Average total loans | $34,958,200 | 6,432 |