Home > Bank of Perry County > Performance and Condition Ratios
Bank of Perry County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9853% | 648 |
| Cost of funding earning assets | 1.6847% | 1,481 |
| Net interest margin | 4.3006% | 814 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.6250% | 1,938 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.6531% | 788 |
| Return on assets (ROA) | 1.6531% | 760 |
| Pretax return on assets | 1.7855% | 909 |
| Return on Equity (ROE) | 18.2500% | 789 |
| Retained earnings to average equity (ytd only) | 6.3496% | 2,114 |
| Net charge-offs to loans | 0.0598% | 1,258 |
| Credit loss provision to net charge-offs | 121.4953% | 1,662 |
| Earnings coverage of net charge-offs (x) | 37.5140% | 1,487 |
| Efficiency ratio | 58.7207% | 3,217 |
| Assets per employee ($millions) | 6.6564% | 2,300 |
| Cash dividends to net income (ytd only)* | 65.2113% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,139 |
| Loan loss allowance to noncurrent loans | 460.4369% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 1,467 |
| Noncurrent loans to loans | 0.2246% | 2,420 |
| Net loans and leases to total assets | 80.2200% | 621 |
| Net loans and leases to deposits | 91.6740% | 1,125 |
| Net loans and leases to core deposits | 115.6282% | 756 |
| Total domestic deposits to total assets | 87.5000% | 1,516 |
| Equity capital to assets | 9.0682% | 2,626 |
| Core capital (leverage) ratio | 9.0539% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1427% | 1,820 |
| Memoranda: | ||
| Average total assets | $217,527,400 | 2,859 |
| Average earning assets | $201,994,200 | 2,845 |
| Average equity | $19,702,000 | 2,881 |
| Average total loans | $178,782,200 | 2,453 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8653% | 635 |
| Cost of funding earning assets | 1.5441% | 1,497 |
| Net interest margin | 4.3212% | 784 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.4607% | 2,345 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.8043% | 668 |
| Return on assets (ROA) | 1.8043% | 657 |
| Pretax return on assets | 1.9703% | 780 |
| Return on Equity (ROE) | 19.9300% | 729 |
| Retained earnings to average equity (ytd only) | 3.8911% | 3,289 |
| Net charge-offs to loans | 0.0518% | 1,160 |
| Credit loss provision to net charge-offs | 159.4203% | 1,282 |
| Earnings coverage of net charge-offs (x) | 47.7101% | 1,334 |
| Efficiency ratio | 54.6931% | 3,526 |
| Assets per employee ($millions) | 6.5272% | 2,310 |
| Cash dividends to net income (ytd only)* | 80.4736% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,123 |
| Loan loss allowance to noncurrent loans | 345.6679% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 1,602 |
| Noncurrent loans to loans | 0.3031% | 2,148 |
| Net loans and leases to total assets | 81.5000% | 480 |
| Net loans and leases to deposits | 93.2747% | 947 |
| Net loans and leases to core deposits | 116.6740% | 646 |
| Total domestic deposits to total assets | 87.3800% | 1,771 |
| Equity capital to assets | 8.9404% | 2,454 |
| Core capital (leverage) ratio | 9.0754% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8136% | 1,965 |
| Memoranda: | ||
| Average total assets | $215,329,750 | 2,882 |
| Average earning assets | $199,723,250 | 2,879 |
| Average equity | $19,496,750 | 2,887 |
| Average total loans | $177,618,000 | 2,471 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 618 |
| Cost of funding earning assets | 1.3881% | 1,478 |
| Net interest margin | 4.3332% | 770 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.4539% | 2,338 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.8130% | 643 |
| Return on assets (ROA) | 1.8130% | 642 |
| Pretax return on assets | 1.9894% | 760 |
| Return on Equity (ROE) | 19.9400% | 711 |
| Retained earnings to average equity (ytd only) | 2.2392% | 3,662 |
| Net charge-offs to loans | 0.0466% | 1,044 |
| Credit loss provision to net charge-offs | 121.9512% | 1,324 |
| Earnings coverage of net charge-offs (x) | 52.9268% | 1,258 |
| Efficiency ratio | 54.6499% | 3,557 |
| Assets per employee ($millions) | 6.5135% | 2,272 |
| Cash dividends to net income (ytd only)* | 88.7681% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,251 |
| Loan loss allowance to noncurrent loans | 309.3596% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 1,394 |
| Noncurrent loans to loans | 0.3359% | 1,924 |
| Net loans and leases to total assets | 81.0200% | 519 |
| Net loans and leases to deposits | 93.0338% | 950 |
| Net loans and leases to core deposits | 112.3274% | 740 |
| Total domestic deposits to total assets | 87.0900% | 1,903 |
| Equity capital to assets | 8.8003% | 2,660 |
| Core capital (leverage) ratio | 9.1220% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9304% | 1,928 |
| Memoranda: | ||
| Average total assets | $213,131,667 | 2,909 |
| Average earning assets | $197,543,000 | 2,907 |
| Average equity | $19,382,000 | 2,915 |
| Average total loans | $175,896,333 | 2,481 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5873% | 540 |
| Cost of funding earning assets | 1.2526% | 1,332 |
| Net interest margin | 4.3347% | 764 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.4176% | 2,476 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.7859% | 692 |
| Return on assets (ROA) | 1.7859% | 683 |
| Pretax return on assets | 1.9448% | 854 |
| Return on Equity (ROE) | 19.3100% | 840 |
| Retained earnings to average equity (ytd only) | 1.9246% | 3,715 |
| Net charge-offs to loans | 0.0531% | 833 |
| Credit loss provision to net charge-offs | 217.3913% | 790 |
| Earnings coverage of net charge-offs (x) | 46.3478% | 1,126 |
| Efficiency ratio | 54.2293% | 3,577 |
| Assets per employee ($millions) | 6.2234% | 2,565 |
| Cash dividends to net income (ytd only)* | 90.0322% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,096 |
| Loan loss allowance to noncurrent loans | 252.7926% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 883 |
| Noncurrent loans to loans | 0.4320% | 1,638 |
| Net loans and leases to total assets | 81.3600% | 430 |
| Net loans and leases to deposits | 92.9771% | 853 |
| Net loans and leases to core deposits | 109.2842% | 725 |
| Total domestic deposits to total assets | 87.5100% | 2,084 |
| Equity capital to assets | 9.1519% | 2,406 |
| Core capital (leverage) ratio | 9.1468% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3489% | 1,852 |
| Memoranda: | ||
| Average total assets | $208,968,500 | 2,979 |
| Average earning assets | $194,156,000 | 2,970 |
| Average equity | $19,328,500 | 2,949 |
| Average total loans | $173,190,000 | 2,521 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 235 |
| Cost of funding earning assets | 0.5311% | 1,210 |
| Net interest margin | 4.6310% | 235 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5931% | 1,847 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.9355% | 333 |
| Return on assets (ROA) | 1.9355% | 322 |
| Pretax return on assets | 2.0791% | 393 |
| Return on Equity (ROE) | 21.7600% | 353 |
| Retained earnings to average equity (ytd only) | 6.1618% | 2,580 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.1099% | 3,788 |
| Assets per employee ($millions) | 6.2528% | 2,554 |
| Cash dividends to net income (ytd only)* | 71.6803% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 2,953 |
| Loan loss allowance to noncurrent loans | 248.8712% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 825 |
| Noncurrent loans to loans | 0.4370% | 1,613 |
| Net loans and leases to total assets | 82.6000% | 360 |
| Net loans and leases to deposits | 95.3815% | 685 |
| Net loans and leases to core deposits | 107.1147% | 705 |
| Total domestic deposits to total assets | 86.6000% | 2,536 |
| Equity capital to assets | 9.3495% | 2,111 |
| Core capital (leverage) ratio | 9.3973% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4256% | 1,806 |
| Memoranda: | ||
| Average total assets | $208,166,400 | 2,989 |
| Average earning assets | $193,544,600 | 2,981 |
| Average equity | $18,517,200 | 3,074 |
| Average total loans | $165,711,200 | 2,496 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 197 |
| Cost of funding earning assets | 0.4358% | 1,061 |
| Net interest margin | 4.6229% | 189 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.4490% | 2,163 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 2.1007% | 245 |
| Return on assets (ROA) | 2.1007% | 243 |
| Pretax return on assets | 2.2522% | 294 |
| Return on Equity (ROE) | 23.9200% | 224 |
| Retained earnings to average equity (ytd only) | 2.9033% | 3,795 |
| Net charge-offs to loans | -0.0211% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.0525% | 4,082 |
| Assets per employee ($millions) | 5.9620% | 2,799 |
| Cash dividends to net income (ytd only)* | 87.8613% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,216 |
| Loan loss allowance to noncurrent loans | 168.5393% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 658 |
| Noncurrent loans to loans | 0.6276% | 1,296 |
| Net loans and leases to total assets | 80.6900% | 471 |
| Net loans and leases to deposits | 91.6820% | 780 |
| Net loans and leases to core deposits | 101.0036% | 778 |
| Total domestic deposits to total assets | 88.0100% | 2,436 |
| Equity capital to assets | 8.8896% | 2,291 |
| Core capital (leverage) ratio | 9.0599% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8499% | 2,114 |
| Memoranda: | ||
| Average total assets | $208,622,500 | 3,009 |
| Average earning assets | $193,956,750 | 2,996 |
| Average equity | $18,323,500 | 3,133 |
| Average total loans | $164,059,750 | 2,507 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 180 |
| Cost of funding earning assets | 0.4270% | 773 |
| Net interest margin | 4.5361% | 181 |
| Noninterest income to average assets | 0.4928% | 2,245 |
| Noninterest expense to average assets | 2.4275% | 2,151 |
| Loan and lease loss provision to assets | 0.0767% | 1,260 |
| Net operating income to assets | 2.0795% | 194 |
| Return on assets (ROA) | 2.0795% | 197 |
| Pretax return on assets | 2.2157% | 239 |
| Return on Equity (ROE) | 23.7725% | 143 |
| Retained earnings to average equity (ytd only) | 0.7562% | 4,044 |
| Net charge-offs to loans | -0.0185% | 3,834 |
| Credit loss provision to net charge-offs | -533.3333% | 3,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4321% | 4,170 |
| Assets per employee ($millions) | 5.8998% | 2,835 |
| Cash dividends to net income (ytd only)* | 96.8188% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,441 |
| Loan loss allowance to noncurrent loans | 172.4173% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 734 |
| Noncurrent loans to loans | 0.6012% | 1,407 |
| Net loans and leases to total assets | 79.4768% | 443 |
| Net loans and leases to deposits | 89.7990% | 734 |
| Net loans and leases to core deposits | 96.0141% | 828 |
| Total domestic deposits to total assets | 88.5052% | 2,383 |
| Equity capital to assets | 8.8235% | 2,519 |
| Core capital (leverage) ratio | 8.6332% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8340% | 2,132 |
| Memoranda: | ||
| Average total assets | $208,606,667 | 3,038 |
| Average earning assets | $194,396,333 | 3,035 |
| Average equity | $18,248,000 | 3,213 |
| Average total loans | $162,022,000 | 2,534 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 182 |
| Cost of funding earning assets | 0.4617% | 612 |
| Net interest margin | 4.3963% | 198 |
| Noninterest income to average assets | 0.4750% | 2,275 |
| Noninterest expense to average assets | 2.3619% | 2,296 |
| Loan and lease loss provision to assets | 0.0763% | 1,074 |
| Net operating income to assets | 2.0261% | 210 |
| Return on assets (ROA) | 2.0261% | 207 |
| Pretax return on assets | 2.1425% | 274 |
| Return on Equity (ROE) | 23.2614% | 116 |
| Retained earnings to average equity (ytd only) | 4.8626% | 2,643 |
| Net charge-offs to loans | -0.0025% | 3,145 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5618% | 4,223 |
| Assets per employee ($millions) | 5.9939% | 2,819 |
| Cash dividends to net income (ytd only)* | 79.0960% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,624 |
| Loan loss allowance to noncurrent loans | 167.1687% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 783 |
| Noncurrent loans to loans | 0.6120% | 1,528 |
| Net loans and leases to total assets | 76.7870% | 456 |
| Net loans and leases to deposits | 89.1024% | 555 |
| Net loans and leases to core deposits | 94.8939% | 694 |
| Total domestic deposits to total assets | 86.1784% | 3,204 |
| Equity capital to assets | 8.7579% | 2,922 |
| Core capital (leverage) ratio | 8.7567% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4393% | 2,022 |
| Memoranda: | ||
| Average total assets | $209,663,500 | 3,043 |
| Average earning assets | $195,801,500 | 3,034 |
| Average equity | $18,262,000 | 3,303 |
| Average total loans | $160,116,500 | 2,550 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 260 |
| Cost of funding earning assets | 0.6690% | 374 |
| Net interest margin | 4.3419% | 373 |
| Noninterest income to average assets | 0.5519% | 2,353 |
| Noninterest expense to average assets | 2.7432% | 1,504 |
| Loan and lease loss provision to assets | 0.0501% | 2,058 |
| Net operating income to assets | 1.6333% | 734 |
| Return on assets (ROA) | 1.6333% | 772 |
| Pretax return on assets | 1.7867% | 944 |
| Return on Equity (ROE) | 18.6176% | 405 |
| Retained earnings to average equity (ytd only) | 5.4173% | 2,611 |
| Net charge-offs to loans | 0.1319% | 701 |
| Credit loss provision to net charge-offs | 49.0196% | 2,145 |
| Earnings coverage of net charge-offs (x) | 17.9608% | 1,920 |
| Efficiency ratio | 59.8949% | 3,168 |
| Assets per employee ($millions) | 5.9868% | 2,787 |
| Cash dividends to net income (ytd only)* | 70.9024% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,627 |
| Loan loss allowance to noncurrent loans | 142.8320% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 763 |
| Noncurrent loans to loans | 0.7220% | 1,406 |
| Net loans and leases to total assets | 74.3795% | 633 |
| Net loans and leases to deposits | 87.4229% | 682 |
| Net loans and leases to core deposits | 94.6618% | 749 |
| Total domestic deposits to total assets | 85.0801% | 3,247 |
| Equity capital to assets | 8.6623% | 3,923 |
| Core capital (leverage) ratio | 8.7079% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4563% | 2,065 |
| Memoranda: | ||
| Average total assets | $199,476,200 | 3,069 |
| Average earning assets | $185,055,800 | 3,064 |
| Average equity | $17,499,600 | 3,427 |
| Average total loans | $154,658,600 | 2,592 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 277 |
| Cost of funding earning assets | 0.7156% | 349 |
| Net interest margin | 4.3249% | 430 |
| Noninterest income to average assets | 0.5402% | 2,455 |
| Noninterest expense to average assets | 2.5399% | 2,005 |
| Loan and lease loss provision to assets | 0.0609% | 1,777 |
| Net operating income to assets | 1.7858% | 685 |
| Return on assets (ROA) | 1.7858% | 719 |
| Pretax return on assets | 1.9448% | 878 |
| Return on Equity (ROE) | 20.2878% | 408 |
| Retained earnings to average equity (ytd only) | 2.5225% | 4,047 |
| Net charge-offs to loans | 0.0165% | 1,740 |
| Credit loss provision to net charge-offs | 473.6842% | 783 |
| Earnings coverage of net charge-offs (x) | 155.9474% | 660 |
| Efficiency ratio | 55.8749% | 3,549 |
| Assets per employee ($millions) | 5.6257% | 3,069 |
| Cash dividends to net income (ytd only)* | 87.5663% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,218 |
| Loan loss allowance to noncurrent loans | 175.8553% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 955 |
| Noncurrent loans to loans | 0.6524% | 1,679 |
| Net loans and leases to total assets | 76.5324% | 505 |
| Net loans and leases to deposits | 90.4174% | 585 |
| Net loans and leases to core deposits | 98.3858% | 646 |
| Total domestic deposits to total assets | 84.6435% | 3,248 |
| Equity capital to assets | 8.6562% | 4,098 |
| Core capital (leverage) ratio | 8.6168% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,960,500 | 3,123 |
| Average earning assets | $182,412,250 | 3,115 |
| Average equity | $17,336,750 | 3,482 |
| Average total loans | $153,953,750 | 2,636 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 299 |
| Cost of funding earning assets | 0.7628% | 345 |
| Net interest margin | 4.3154% | 481 |
| Noninterest income to average assets | 0.5371% | 2,459 |
| Noninterest expense to average assets | 2.5299% | 2,050 |
| Loan and lease loss provision to assets | 0.0718% | 1,627 |
| Net operating income to assets | 1.7632% | 775 |
| Return on assets (ROA) | 1.7632% | 817 |
| Pretax return on assets | 1.9251% | 965 |
| Return on Equity (ROE) | 19.9166% | 462 |
| Retained earnings to average equity (ytd only) | 0.4632% | 4,440 |
| Net charge-offs to loans | 0.0170% | 1,608 |
| Credit loss provision to net charge-offs | 538.4615% | 655 |
| Earnings coverage of net charge-offs (x) | 149.8462% | 588 |
| Efficiency ratio | 55.8877% | 3,555 |
| Assets per employee ($millions) | 5.4216% | 3,222 |
| Cash dividends to net income (ytd only)* | 97.6744% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,212 |
| Loan loss allowance to noncurrent loans | 270.4545% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 1,424 |
| Noncurrent loans to loans | 0.4239% | 2,412 |
| Net loans and leases to total assets | 76.7344% | 526 |
| Net loans and leases to deposits | 90.8533% | 597 |
| Net loans and leases to core deposits | 98.8791% | 689 |
| Total domestic deposits to total assets | 84.4597% | 3,292 |
| Equity capital to assets | 8.5957% | 4,134 |
| Core capital (leverage) ratio | 8.7161% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,105,333 | 3,137 |
| Average earning assets | $180,376,667 | 3,133 |
| Average equity | $17,272,000 | 3,489 |
| Average total loans | $153,006,000 | 2,655 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 327 |
| Cost of funding earning assets | 0.8110% | 329 |
| Net interest margin | 4.2442% | 564 |
| Noninterest income to average assets | 0.5032% | 2,596 |
| Noninterest expense to average assets | 2.5432% | 2,042 |
| Loan and lease loss provision to assets | 0.0624% | 1,883 |
| Net operating income to assets | 1.6573% | 1,012 |
| Return on assets (ROA) | 1.6573% | 1,059 |
| Pretax return on assets | 1.8154% | 1,262 |
| Return on Equity (ROE) | 18.4421% | 671 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,542 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5259% | 3,367 |
| Assets per employee ($millions) | 5.2113% | 3,419 |
| Cash dividends to net income (ytd only)* | 79.0464% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,106 |
| Loan loss allowance to noncurrent loans | 197.7503% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 1,482 |
| Noncurrent loans to loans | 0.5904% | 2,092 |
| Net loans and leases to total assets | 77.1863% | 526 |
| Net loans and leases to deposits | 92.3200% | 580 |
| Net loans and leases to core deposits | 100.8908% | 680 |
| Total domestic deposits to total assets | 83.6073% | 3,544 |
| Equity capital to assets | 9.0085% | 3,672 |
| Core capital (leverage) ratio | 9.2879% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,357,500 | 3,145 |
| Average earning assets | $177,559,500 | 3,142 |
| Average equity | $17,286,500 | 3,490 |
| Average total loans | $151,651,500 | 2,674 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5065% | 186 |
| Cost of funding earning assets | 1.0890% | 418 |
| Net interest margin | 4.4175% | 385 |
| Noninterest income to average assets | 0.5105% | 2,584 |
| Noninterest expense to average assets | 2.7351% | 2,131 |
| Loan and lease loss provision to assets | 0.1492% | 2,508 |
| Net operating income to assets | 1.5818% | 668 |
| Return on assets (ROA) | 1.5818% | 723 |
| Pretax return on assets | 1.7061% | 845 |
| Return on Equity (ROE) | 17.3942% | 377 |
| Retained earnings to average equity (ytd only) | 6.1977% | 1,711 |
| Net charge-offs to loans | 0.0320% | 2,392 |
| Credit loss provision to net charge-offs | 572.9167% | 1,142 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 964 |
| Efficiency ratio | 59.5840% | 3,508 |
| Assets per employee ($millions) | 5.0499% | 3,341 |
| Cash dividends to net income (ytd only)* | 64.3690% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,299 |
| Loan loss allowance to noncurrent loans | 177.4127% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 1,406 |
| Noncurrent loans to loans | 0.6378% | 2,090 |
| Net loans and leases to total assets | 78.6818% | 532 |
| Net loans and leases to deposits | 94.4005% | 637 |
| Net loans and leases to core deposits | 105.1800% | 681 |
| Total domestic deposits to total assets | 83.3489% | 3,312 |
| Equity capital to assets | 8.9647% | 4,085 |
| Core capital (leverage) ratio | 9.0204% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,342,800 | 3,069 |
| Average earning assets | $170,253,800 | 3,068 |
| Average equity | $16,764,200 | 3,477 |
| Average total loans | $150,016,200 | 2,662 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 214 |
| Cost of funding earning assets | 1.1404% | 456 |
| Net interest margin | 4.3950% | 477 |
| Noninterest income to average assets | 0.5130% | 2,550 |
| Noninterest expense to average assets | 2.6315% | 2,443 |
| Loan and lease loss provision to assets | 0.1573% | 2,439 |
| Net operating income to assets | 1.6647% | 628 |
| Return on assets (ROA) | 1.6647% | 697 |
| Pretax return on assets | 1.7911% | 794 |
| Return on Equity (ROE) | 18.2369% | 341 |
| Retained earnings to average equity (ytd only) | 7.8295% | 1,364 |
| Net charge-offs to loans | 0.0232% | 2,381 |
| Credit loss provision to net charge-offs | 826.9231% | 957 |
| Earnings coverage of net charge-offs (x) | 102.5385% | 776 |
| Efficiency ratio | 57.4597% | 3,743 |
| Assets per employee ($millions) | 4.9331% | 3,336 |
| Cash dividends to net income (ytd only)* | 57.0676% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,075 |
| Loan loss allowance to noncurrent loans | 223.2497% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 1,818 |
| Noncurrent loans to loans | 0.5035% | 2,544 |
| Net loans and leases to total assets | 79.3014% | 675 |
| Net loans and leases to deposits | 95.8706% | 768 |
| Net loans and leases to core deposits | 106.7931% | 814 |
| Total domestic deposits to total assets | 82.7171% | 3,216 |
| Equity capital to assets | 9.1445% | 4,002 |
| Core capital (leverage) ratio | 9.0856% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,454,250 | 3,070 |
| Average earning assets | $168,825,750 | 3,067 |
| Average equity | $16,654,500 | 3,484 |
| Average total loans | $149,341,250 | 2,674 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5860% | 286 |
| Cost of funding earning assets | 1.1993% | 507 |
| Net interest margin | 4.3867% | 640 |
| Noninterest income to average assets | 0.4801% | 2,651 |
| Noninterest expense to average assets | 2.6551% | 2,503 |
| Loan and lease loss provision to assets | 0.1549% | 2,449 |
| Net operating income to assets | 1.5953% | 769 |
| Return on assets (ROA) | 1.5953% | 839 |
| Pretax return on assets | 1.7247% | 945 |
| Return on Equity (ROE) | 17.4873% | 410 |
| Retained earnings to average equity (ytd only) | 10.2110% | 751 |
| Net charge-offs to loans | 0.0201% | 2,322 |
| Credit loss provision to net charge-offs | 933.3333% | 825 |
| Earnings coverage of net charge-offs (x) | 113.2667% | 652 |
| Efficiency ratio | 58.5509% | 3,619 |
| Assets per employee ($millions) | 5.0396% | 3,122 |
| Cash dividends to net income (ytd only)* | 41.6089% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,007 |
| Loan loss allowance to noncurrent loans | 292.9730% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 2,263 |
| Noncurrent loans to loans | 0.3784% | 3,060 |
| Net loans and leases to total assets | 75.7429% | 1,178 |
| Net loans and leases to deposits | 92.0555% | 1,153 |
| Net loans and leases to core deposits | 105.2101% | 932 |
| Total domestic deposits to total assets | 82.2797% | 3,296 |
| Equity capital to assets | 8.8803% | 4,187 |
| Core capital (leverage) ratio | 9.2481% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,786,667 | 3,067 |
| Average earning assets | $167,097,333 | 3,072 |
| Average equity | $16,492,000 | 3,506 |
| Average total loans | $149,006,333 | 2,665 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 200 |
| Cost of funding earning assets | 1.2757% | 605 |
| Net interest margin | 4.5861% | 426 |
| Noninterest income to average assets | 0.5313% | 2,384 |
| Noninterest expense to average assets | 2.7453% | 2,591 |
| Loan and lease loss provision to assets | 0.1824% | 1,638 |
| Net operating income to assets | 1.6919% | 520 |
| Return on assets (ROA) | 1.6919% | 573 |
| Pretax return on assets | 1.8332% | 651 |
| Return on Equity (ROE) | 18.2815% | 248 |
| Retained earnings to average equity (ytd only) | 3.4986% | 2,890 |
| Net charge-offs to loans | 0.0613% | 1,400 |
| Credit loss provision to net charge-offs | 347.8261% | 1,086 |
| Earnings coverage of net charge-offs (x) | 38.4348% | 1,045 |
| Efficiency ratio | 57.6628% | 4,046 |
| Assets per employee ($millions) | 4.5818% | 3,154 |
| Cash dividends to net income (ytd only)* | 80.8625% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,490 |
| Loan loss allowance to noncurrent loans | 284.8263% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 2,130 |
| Noncurrent loans to loans | 0.3652% | 3,183 |
| Net loans and leases to total assets | 85.1253% | 193 |
| Net loans and leases to deposits | 105.4635% | 309 |
| Net loans and leases to core deposits | 122.2129% | 408 |
| Total domestic deposits to total assets | 80.7154% | 3,721 |
| Equity capital to assets | 9.3655% | 4,341 |
| Core capital (leverage) ratio | 9.2470% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,428,500 | 3,081 |
| Average earning assets | $161,795,000 | 3,094 |
| Average equity | $16,235,000 | 3,540 |
| Average total loans | $150,171,500 | 2,638 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9124% | 258 |
| Cost of funding earning assets | 1.3125% | 748 |
| Net interest margin | 4.5999% | 572 |
| Noninterest income to average assets | 0.5266% | 2,596 |
| Noninterest expense to average assets | 2.8384% | 2,481 |
| Loan and lease loss provision to assets | 0.1660% | 1,259 |
| Net operating income to assets | 1.5861% | 865 |
| Return on assets (ROA) | 1.5861% | 919 |
| Pretax return on assets | 1.7375% | 1,091 |
| Return on Equity (ROE) | 16.9571% | 426 |
| Retained earnings to average equity (ytd only) | 2.0052% | 3,998 |
| Net charge-offs to loans | 0.1861% | 1,087 |
| Credit loss provision to net charge-offs | 104.7794% | 2,363 |
| Earnings coverage of net charge-offs (x) | 12.0147% | 2,443 |
| Efficiency ratio | 59.8575% | 3,719 |
| Assets per employee ($millions) | 4.5320% | 3,177 |
| Cash dividends to net income (ytd only)* | 88.1748% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,541 |
| Loan loss allowance to noncurrent loans | 207.3204% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 1,631 |
| Noncurrent loans to loans | 0.4808% | 2,745 |
| Net loans and leases to total assets | 84.3422% | 294 |
| Net loans and leases to deposits | 103.1012% | 413 |
| Net loans and leases to core deposits | 117.4255% | 551 |
| Total domestic deposits to total assets | 81.8053% | 3,560 |
| Equity capital to assets | 9.1452% | 4,614 |
| Core capital (leverage) ratio | 9.1525% | 4,401 |
| Tier 1 risk-based capital ratio | 12.4032% | 4,130 |
| Total risk-based capital ratio | 13.5570% | 4,050 |
| Memoranda: | ||
| Average total assets | $171,680,400 | 3,096 |
| Average earning assets | $157,331,000 | 3,109 |
| Average equity | $16,058,200 | 3,534 |
| Average total loans | $146,164,800 | 2,656 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9228% | 277 |
| Cost of funding earning assets | 1.3028% | 775 |
| Net interest margin | 4.6200% | 592 |
| Noninterest income to average assets | 0.5226% | 2,590 |
| Noninterest expense to average assets | 2.7126% | 2,831 |
| Loan and lease loss provision to assets | 0.1643% | 1,134 |
| Net operating income to assets | 1.7369% | 694 |
| Return on assets (ROA) | 1.7369% | 731 |
| Pretax return on assets | 1.8715% | 930 |
| Return on Equity (ROE) | 18.4629% | 356 |
| Retained earnings to average equity (ytd only) | 3.4846% | 3,664 |
| Net charge-offs to loans | 0.0579% | 1,998 |
| Credit loss provision to net charge-offs | 333.3333% | 884 |
| Earnings coverage of net charge-offs (x) | 41.3006% | 1,345 |
| Efficiency ratio | 57.1264% | 4,052 |
| Assets per employee ($millions) | 4.4178% | 3,320 |
| Cash dividends to net income (ytd only)* | 81.1259% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,040 |
| Loan loss allowance to noncurrent loans | 210.0257% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 862 |
| Noncurrent loans to loans | 0.5225% | 2,727 |
| Net loans and leases to total assets | 85.4719% | 225 |
| Net loans and leases to deposits | 104.0559% | 412 |
| Net loans and leases to core deposits | 113.9824% | 756 |
| Total domestic deposits to total assets | 82.1404% | 3,436 |
| Equity capital to assets | 9.4379% | 4,502 |
| Core capital (leverage) ratio | 9.3463% | 4,333 |
| Tier 1 risk-based capital ratio | 12.5844% | 4,095 |
| Total risk-based capital ratio | 13.8348% | 3,967 |
| Memoranda: | ||
| Average total assets | $170,413,250 | 3,140 |
| Average earning assets | $155,868,250 | 3,157 |
| Average equity | $16,031,750 | 3,574 |
| Average total loans | $145,062,250 | 2,695 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 300 |
| Cost of funding earning assets | 1.2805% | 786 |
| Net interest margin | 4.5883% | 634 |
| Noninterest income to average assets | 0.4818% | 2,769 |
| Noninterest expense to average assets | 2.7458% | 2,768 |
| Loan and lease loss provision to assets | 0.1001% | 1,870 |
| Net operating income to assets | 1.6856% | 746 |
| Return on assets (ROA) | 1.6856% | 774 |
| Pretax return on assets | 1.8270% | 975 |
| Return on Equity (ROE) | 17.9376% | 383 |
| Retained earnings to average equity (ytd only) | 2.8956% | 3,770 |
| Net charge-offs to loans | 0.0320% | 2,217 |
| Credit loss provision to net charge-offs | 369.5652% | 773 |
| Earnings coverage of net charge-offs (x) | 71.1304% | 884 |
| Efficiency ratio | 58.7598% | 3,897 |
| Assets per employee ($millions) | 4.4424% | 3,230 |
| Cash dividends to net income (ytd only)* | 83.8574% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,278 |
| Loan loss allowance to noncurrent loans | 92.4821% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.9313% | 491 |
| Noncurrent loans to loans | 1.1480% | 1,412 |
| Net loans and leases to total assets | 83.3719% | 423 |
| Net loans and leases to deposits | 100.2019% | 661 |
| Net loans and leases to core deposits | 111.6672% | 878 |
| Total domestic deposits to total assets | 83.2039% | 3,143 |
| Equity capital to assets | 9.2771% | 4,593 |
| Core capital (leverage) ratio | 9.4034% | 4,243 |
| Tier 1 risk-based capital ratio | 12.5573% | 4,098 |
| Total risk-based capital ratio | 13.7703% | 4,004 |
| Memoranda: | ||
| Average total assets | $169,786,330 | 3,162 |
| Average earning assets | $155,090,000 | 3,179 |
| Average equity | $15,955,330 | 3,581 |
| Average total loans | $143,784,000 | 2,717 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 323 |
| Cost of funding earning assets | 1.2290% | 826 |
| Net interest margin | 4.5497% | 676 |
| Noninterest income to average assets | 0.4975% | 2,565 |
| Noninterest expense to average assets | 2.6968% | 2,914 |
| Loan and lease loss provision to assets | 0.1547% | 1,081 |
| Net operating income to assets | 1.6876% | 752 |
| Return on assets (ROA) | 1.6876% | 777 |
| Pretax return on assets | 1.8137% | 954 |
| Return on Equity (ROE) | 17.8404% | 413 |
| Retained earnings to average equity (ytd only) | 2.7427% | 3,842 |
| Net charge-offs to loans | 0.0533% | 1,525 |
| Credit loss provision to net charge-offs | 342.1053% | 761 |
| Earnings coverage of net charge-offs (x) | 43.5263% | 1,103 |
| Efficiency ratio | 57.8061% | 4,108 |
| Assets per employee ($millions) | 4.3756% | 3,364 |
| Cash dividends to net income (ytd only)* | 84.6262% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,357 |
| Loan loss allowance to noncurrent loans | 228.9552% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3103% | 990 |
| Noncurrent loans to loans | 0.4630% | 2,925 |
| Net loans and leases to total assets | 83.9065% | 379 |
| Net loans and leases to deposits | 101.3498% | 540 |
| Net loans and leases to core deposits | 112.5705% | 802 |
| Total domestic deposits to total assets | 82.7890% | 3,466 |
| Equity capital to assets | 9.3474% | 4,387 |
| Core capital (leverage) ratio | 9.5394% | 4,085 |
| Tier 1 risk-based capital ratio | 12.7713% | 3,998 |
| Total risk-based capital ratio | 14.0033% | 3,904 |
| Memoranda: | ||
| Average total assets | $168,052,000 | 3,212 |
| Average earning assets | $153,944,000 | 3,225 |
| Average equity | $15,896,500 | 3,592 |
| Average total loans | $142,678,000 | 2,769 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8411% | 221 |
| Cost of funding earning assets | 0.9365% | 977 |
| Net interest margin | 4.9046% | 319 |
| Noninterest income to average assets | 0.5172% | 2,733 |
| Noninterest expense to average assets | 2.9204% | 2,278 |
| Loan and lease loss provision to assets | 0.1225% | 1,802 |
| Net operating income to assets | 1.7874% | 567 |
| Return on assets (ROA) | 1.7874% | 565 |
| Pretax return on assets | 1.9351% | 655 |
| Return on Equity (ROE) | 18.6877% | 329 |
| Retained earnings to average equity (ytd only) | 3.3121% | 3,752 |
| Net charge-offs to loans | 0.2059% | 928 |
| Credit loss provision to net charge-offs | 70.6714% | 2,981 |
| Earnings coverage of net charge-offs (x) | 11.8657% | 2,594 |
| Efficiency ratio | 58.6657% | 4,054 |
| Assets per employee ($millions) | 4.7273% | 2,835 |
| Cash dividends to net income (ytd only)* | 82.2763% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,334 |
| Loan loss allowance to noncurrent loans | 226.8293% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 863 |
| Noncurrent loans to loans | 0.4664% | 2,876 |
| Net loans and leases to total assets | 84.1004% | 405 |
| Net loans and leases to deposits | 100.6721% | 694 |
| Net loans and leases to core deposits | 112.0659% | 876 |
| Total domestic deposits to total assets | 83.5389% | 3,149 |
| Equity capital to assets | 9.5747% | 4,067 |
| Core capital (leverage) ratio | 9.5980% | 4,008 |
| Tier 1 risk-based capital ratio | 13.0010% | 3,843 |
| Total risk-based capital ratio | 14.2260% | 3,745 |
| Memoranda: | ||
| Average total assets | $163,199,600 | 3,235 |
| Average earning assets | $148,431,800 | 3,265 |
| Average equity | $15,609,200 | 3,556 |
| Average total loans | $137,417,800 | 2,800 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 213 |
| Cost of funding earning assets | 0.8814% | 997 |
| Net interest margin | 4.9363% | 292 |
| Noninterest income to average assets | 0.4968% | 2,895 |
| Noninterest expense to average assets | 2.7710% | 2,741 |
| Loan and lease loss provision to assets | 0.1640% | 1,158 |
| Net operating income to assets | 1.8888% | 500 |
| Return on assets (ROA) | 1.8888% | 502 |
| Pretax return on assets | 2.0430% | 561 |
| Return on Equity (ROE) | 19.7538% | 290 |
| Retained earnings to average equity (ytd only) | 4.3211% | 3,598 |
| Net charge-offs to loans | 0.0547% | 2,038 |
| Credit loss provision to net charge-offs | 357.1429% | 881 |
| Earnings coverage of net charge-offs (x) | 48.0745% | 1,197 |
| Efficiency ratio | 55.6653% | 4,427 |
| Assets per employee ($millions) | 4.2638% | 3,488 |
| Cash dividends to net income (ytd only)* | 78.1251% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,536 |
| Loan loss allowance to noncurrent loans | 192.2646% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.4776% | 872 |
| Noncurrent loans to loans | 0.6325% | 2,502 |
| Net loans and leases to total assets | 83.7842% | 477 |
| Net loans and leases to deposits | 100.5492% | 734 |
| Net loans and leases to core deposits | 111.0515% | 967 |
| Total domestic deposits to total assets | 83.3265% | 3,188 |
| Equity capital to assets | 9.5190% | 4,063 |
| Core capital (leverage) ratio | 9.6241% | 4,023 |
| Tier 1 risk-based capital ratio | 13.1372% | 3,825 |
| Total risk-based capital ratio | 14.3894% | 3,732 |
| Memoranda: | ||
| Average total assets | $162,635,250 | 3,274 |
| Average earning assets | $147,636,500 | 3,303 |
| Average equity | $15,551,000 | 3,589 |
| Average total loans | $136,612,750 | 2,824 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7490% | 215 |
| Cost of funding earning assets | 0.8512% | 907 |
| Net interest margin | 4.8978% | 303 |
| Noninterest income to average assets | 0.4894% | 2,920 |
| Noninterest expense to average assets | 2.7643% | 2,788 |
| Loan and lease loss provision to assets | 0.2044% | 831 |
| Net operating income to assets | 1.8350% | 541 |
| Return on assets (ROA) | 1.8350% | 543 |
| Pretax return on assets | 1.9837% | 626 |
| Return on Equity (ROE) | 19.1612% | 320 |
| Retained earnings to average equity (ytd only) | 3.6356% | 3,777 |
| Net charge-offs to loans | 0.0710% | 1,628 |
| Credit loss provision to net charge-offs | 343.7500% | 916 |
| Earnings coverage of net charge-offs (x) | 36.7917% | 1,354 |
| Efficiency ratio | 55.8169% | 4,499 |
| Assets per employee ($millions) | 4.0899% | 3,745 |
| Cash dividends to net income (ytd only)* | 81.0263% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,517 |
| Loan loss allowance to noncurrent loans | 257.7099% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 1.3880% | 1,003 |
| Noncurrent loans to loans | 0.4796% | 3,000 |
| Net loans and leases to total assets | 84.5713% | 396 |
| Net loans and leases to deposits | 100.7634% | 756 |
| Net loans and leases to core deposits | 108.4345% | 1,093 |
| Total domestic deposits to total assets | 83.9306% | 3,096 |
| Equity capital to assets | 9.7838% | 3,834 |
| Core capital (leverage) ratio | 9.6218% | 3,973 |
| Tier 1 risk-based capital ratio | 13.3117% | 3,726 |
| Total risk-based capital ratio | 14.5644% | 3,648 |
| Memoranda: | ||
| Average total assets | $161,417,670 | 3,306 |
| Average earning assets | $147,087,000 | 3,332 |
| Average equity | $15,458,330 | 3,616 |
| Average total loans | $135,137,670 | 2,853 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 226 |
| Cost of funding earning assets | 0.8426% | 791 |
| Net interest margin | 4.7829% | 356 |
| Noninterest income to average assets | 0.4779% | 2,955 |
| Noninterest expense to average assets | 2.7197% | 2,977 |
| Loan and lease loss provision to assets | 0.2340% | 660 |
| Net operating income to assets | 1.7712% | 590 |
| Return on assets (ROA) | 1.7712% | 598 |
| Pretax return on assets | 1.8870% | 751 |
| Return on Equity (ROE) | 18.6941% | 340 |
| Retained earnings to average equity (ytd only) | 3.0940% | 3,970 |
| Net charge-offs to loans | 0.0327% | 1,847 |
| Credit loss provision to net charge-offs | 863.6364% | 386 |
| Earnings coverage of net charge-offs (x) | 78.2727% | 712 |
| Efficiency ratio | 56.1832% | 4,556 |
| Assets per employee ($millions) | 4.1617% | 3,712 |
| Cash dividends to net income (ytd only)* | 83.4492% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,626 |
| Loan loss allowance to noncurrent loans | 217.4770% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.4676% | 963 |
| Noncurrent loans to loans | 0.5659% | 2,843 |
| Net loans and leases to total assets | 81.8325% | 685 |
| Net loans and leases to deposits | 97.3568% | 916 |
| Net loans and leases to core deposits | 102.7065% | 1,465 |
| Total domestic deposits to total assets | 84.0542% | 3,309 |
| Equity capital to assets | 9.5154% | 4,077 |
| Core capital (leverage) ratio | 9.5584% | 4,004 |
| Tier 1 risk-based capital ratio | 13.0530% | 3,922 |
| Total risk-based capital ratio | 14.3045% | 3,831 |
| Memoranda: | ||
| Average total assets | $162,372,500 | 3,327 |
| Average earning assets | $148,109,500 | 3,362 |
| Average equity | $15,384,500 | 3,658 |
| Average total loans | $134,413,500 | 2,882 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7402% | 185 |
| Cost of funding earning assets | 0.8348% | 518 |
| Net interest margin | 4.9053% | 280 |
| Noninterest income to average assets | 0.4534% | 3,289 |
| Noninterest expense to average assets | 2.9807% | 2,217 |
| Loan and lease loss provision to assets | 0.2110% | 943 |
| Net operating income to assets | 1.6185% | 631 |
| Return on assets (ROA) | 1.6185% | 647 |
| Pretax return on assets | 1.7281% | 942 |
| Return on Equity (ROE) | 16.8104% | 410 |
| Retained earnings to average equity (ytd only) | 1.1054% | 4,588 |
| Net charge-offs to loans | 0.2571% | 1,015 |
| Credit loss provision to net charge-offs | 97.6676% | 2,647 |
| Earnings coverage of net charge-offs (x) | 8.9767% | 2,844 |
| Efficiency ratio | 60.5863% | 4,174 |
| Assets per employee ($millions) | 4.1651% | 3,709 |
| Cash dividends to net income (ytd only)* | 93.4241% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,956 |
| Loan loss allowance to noncurrent loans | 217.8918% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.4233% | 984 |
| Noncurrent loans to loans | 0.5366% | 2,892 |
| Net loans and leases to total assets | 81.7427% | 719 |
| Net loans and leases to deposits | 98.8697% | 827 |
| Net loans and leases to core deposits | 105.4110% | 1,309 |
| Total domestic deposits to total assets | 82.6772% | 3,666 |
| Equity capital to assets | 9.4343% | 4,290 |
| Core capital (leverage) ratio | 9.5806% | 3,935 |
| Tier 1 risk-based capital ratio | 12.9884% | 3,910 |
| Total risk-based capital ratio | 14.2392% | 3,806 |
| Memoranda: | ||
| Average total assets | $158,787,000 | 3,362 |
| Average earning assets | $144,577,600 | 3,393 |
| Average equity | $15,288,200 | 3,684 |
| Average total loans | $133,432,400 | 2,867 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 176 |
| Cost of funding earning assets | 0.8325% | 487 |
| Net interest margin | 4.9198% | 266 |
| Noninterest income to average assets | 0.4653% | 3,242 |
| Noninterest expense to average assets | 2.8207% | 2,657 |
| Loan and lease loss provision to assets | 0.2829% | 574 |
| Net operating income to assets | 1.7262% | 553 |
| Return on assets (ROA) | 1.7262% | 564 |
| Pretax return on assets | 1.8386% | 804 |
| Return on Equity (ROE) | 17.8367% | 344 |
| Retained earnings to average equity (ytd only) | 2.1205% | 4,592 |
| Net charge-offs to loans | 0.2162% | 1,002 |
| Credit loss provision to net charge-offs | 155.0926% | 1,650 |
| Earnings coverage of net charge-offs (x) | 11.6297% | 2,491 |
| Efficiency ratio | 57.0745% | 4,605 |
| Assets per employee ($millions) | 4.0736% | 3,863 |
| Cash dividends to net income (ytd only)* | 88.1113% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,628 |
| Loan loss allowance to noncurrent loans | 221.9608% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 1,035 |
| Noncurrent loans to loans | 0.5641% | 3,006 |
| Net loans and leases to total assets | 84.2997% | 406 |
| Net loans and leases to deposits | 102.9725% | 552 |
| Net loans and leases to core deposits | 110.0152% | 1,033 |
| Total domestic deposits to total assets | 81.8663% | 3,817 |
| Equity capital to assets | 9.6928% | 4,250 |
| Core capital (leverage) ratio | 9.6799% | 3,957 |
| Tier 1 risk-based capital ratio | 13.0398% | 3,981 |
| Total risk-based capital ratio | 14.2920% | 3,894 |
| Memoranda: | ||
| Average total assets | $157,874,000 | 3,401 |
| Average earning assets | $143,661,750 | 3,432 |
| Average equity | $15,279,000 | 3,719 |
| Average total loans | $133,202,250 | 2,889 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6882% | 190 |
| Cost of funding earning assets | 0.8203% | 471 |
| Net interest margin | 4.8679% | 274 |
| Noninterest income to average assets | 0.4507% | 3,346 |
| Noninterest expense to average assets | 2.7929% | 2,790 |
| Loan and lease loss provision to assets | 0.2602% | 631 |
| Net operating income to assets | 1.7379% | 519 |
| Return on assets (ROA) | 1.7379% | 525 |
| Pretax return on assets | 1.8497% | 747 |
| Return on Equity (ROE) | 17.9671% | 335 |
| Retained earnings to average equity (ytd only) | 2.2180% | 4,349 |
| Net charge-offs to loans | 0.1994% | 1,010 |
| Credit loss provision to net charge-offs | 155.3030% | 1,493 |
| Earnings coverage of net charge-offs (x) | 12.5909% | 2,177 |
| Efficiency ratio | 56.9653% | 4,713 |
| Assets per employee ($millions) | 4.0161% | 3,930 |
| Cash dividends to net income (ytd only)* | 87.6552% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,858 |
| Loan loss allowance to noncurrent loans | 91.8288% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 1,002 |
| Noncurrent loans to loans | 1.3351% | 1,446 |
| Net loans and leases to total assets | 84.9758% | 348 |
| Net loans and leases to deposits | 100.1422% | 726 |
| Net loans and leases to core deposits | 108.0027% | 1,107 |
| Total domestic deposits to total assets | 84.8551% | 2,868 |
| Equity capital to assets | 9.7844% | 4,136 |
| Core capital (leverage) ratio | 9.6436% | 3,968 |
| Tier 1 risk-based capital ratio | 13.1349% | 3,922 |
| Total risk-based capital ratio | 14.3869% | 3,827 |
| Memoranda: | ||
| Average total assets | $157,542,000 | 3,422 |
| Average earning assets | $144,088,000 | 3,441 |
| Average equity | $15,239,000 | 3,730 |
| Average total loans | $132,394,670 | 2,901 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5882% | 203 |
| Cost of funding earning assets | 0.8090% | 461 |
| Net interest margin | 4.7792% | 321 |
| Noninterest income to average assets | 0.4380% | 3,393 |
| Noninterest expense to average assets | 2.7089% | 3,112 |
| Loan and lease loss provision to assets | 0.2911% | 481 |
| Net operating income to assets | 1.7215% | 528 |
| Return on assets (ROA) | 1.7215% | 537 |
| Pretax return on assets | 1.8051% | 790 |
| Return on Equity (ROE) | 17.8994% | 347 |
| Retained earnings to average equity (ytd only) | 2.1058% | 4,303 |
| Net charge-offs to loans | 0.2012% | 859 |
| Credit loss provision to net charge-offs | 174.2424% | 1,111 |
| Earnings coverage of net charge-offs (x) | 12.5455% | 1,835 |
| Efficiency ratio | 56.3751% | 4,899 |
| Assets per employee ($millions) | 4.0806% | 3,876 |
| Cash dividends to net income (ytd only)* | 88.2353% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,933 |
| Loan loss allowance to noncurrent loans | 85.5491% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 1,061 |
| Noncurrent loans to loans | 1.4396% | 1,399 |
| Net loans and leases to total assets | 82.0389% | 564 |
| Net loans and leases to deposits | 97.4081% | 820 |
| Net loans and leases to core deposits | 104.9805% | 1,161 |
| Total domestic deposits to total assets | 84.2218% | 3,385 |
| Equity capital to assets | 9.5737% | 4,209 |
| Core capital (leverage) ratio | 9.7102% | 3,865 |
| Tier 1 risk-based capital ratio | 13.2343% | 3,922 |
| Total risk-based capital ratio | 14.4867% | 3,844 |
| Memoranda: | ||
| Average total assets | $157,999,500 | 3,451 |
| Average earning assets | $144,375,500 | 3,469 |
| Average equity | $15,196,000 | 3,758 |
| Average total loans | $131,218,500 | 2,941 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8292% | 157 |
| Cost of funding earning assets | 0.8399% | 408 |
| Net interest margin | 4.9893% | 254 |
| Noninterest income to average assets | 0.4684% | 3,419 |
| Noninterest expense to average assets | 2.9244% | 2,591 |
| Loan and lease loss provision to assets | 0.2345% | 922 |
| Net operating income to assets | 1.7329% | 503 |
| Return on assets (ROA) | 1.7329% | 533 |
| Pretax return on assets | 1.8801% | 647 |
| Return on Equity (ROE) | 17.6714% | 350 |
| Retained earnings to average equity (ytd only) | 1.7273% | 4,547 |
| Net charge-offs to loans | 0.2992% | 925 |
| Credit loss provision to net charge-offs | 93.5065% | 2,735 |
| Earnings coverage of net charge-offs (x) | 8.4312% | 2,869 |
| Efficiency ratio | 58.0349% | 4,846 |
| Assets per employee ($millions) | 4.0219% | 3,924 |
| Cash dividends to net income (ytd only)* | 90.2256% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 3,052 |
| Loan loss allowance to noncurrent loans | 318.3468% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 2,768 |
| Noncurrent loans to loans | 0.3808% | 3,768 |
| Net loans and leases to total assets | 82.0312% | 605 |
| Net loans and leases to deposits | 96.8274% | 925 |
| Net loans and leases to core deposits | 104.1668% | 1,268 |
| Total domestic deposits to total assets | 84.7190% | 3,166 |
| Equity capital to assets | 9.6624% | 4,102 |
| Core capital (leverage) ratio | 9.8633% | 3,674 |
| Tier 1 risk-based capital ratio | 13.5445% | 3,744 |
| Total risk-based capital ratio | 14.7970% | 3,649 |
| Memoranda: | ||
| Average total assets | $153,503,000 | 3,466 |
| Average earning assets | $140,620,200 | 3,487 |
| Average equity | $15,052,600 | 3,803 |
| Average total loans | $128,664,400 | 2,939 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8132% | 163 |
| Cost of funding earning assets | 0.8309% | 426 |
| Net interest margin | 4.9823% | 259 |
| Noninterest income to average assets | 0.4943% | 3,294 |
| Noninterest expense to average assets | 2.8576% | 2,795 |
| Loan and lease loss provision to assets | 0.2402% | 798 |
| Net operating income to assets | 1.8174% | 468 |
| Return on assets (ROA) | 1.8174% | 498 |
| Pretax return on assets | 1.9685% | 618 |
| Return on Equity (ROE) | 18.4644% | 329 |
| Retained earnings to average equity (ytd only) | 2.4933% | 4,426 |
| Net charge-offs to loans | 0.2401% | 974 |
| Credit loss provision to net charge-offs | 119.0476% | 2,096 |
| Earnings coverage of net charge-offs (x) | 10.9481% | 2,538 |
| Efficiency ratio | 56.4041% | 5,017 |
| Assets per employee ($millions) | 3.9256% | 4,088 |
| Cash dividends to net income (ytd only)* | 86.4968% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,851 |
| Loan loss allowance to noncurrent loans | 186.6365% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 2,198 |
| Noncurrent loans to loans | 0.6797% | 2,988 |
| Net loans and leases to total assets | 83.7824% | 424 |
| Net loans and leases to deposits | 99.3502% | 748 |
| Net loans and leases to core deposits | 107.3829% | 1,088 |
| Total domestic deposits to total assets | 84.3304% | 3,086 |
| Equity capital to assets | 9.9132% | 4,226 |
| Core capital (leverage) ratio | 10.0077% | 3,558 |
| Tier 1 risk-based capital ratio | 13.5094% | 3,856 |
| Total risk-based capital ratio | 14.7618% | 3,761 |
| Memoranda: | ||
| Average total assets | $152,665,000 | 3,493 |
| Average earning assets | $140,091,750 | 3,515 |
| Average equity | $15,026,750 | 3,830 |
| Average total loans | $128,268,250 | 2,952 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7728% | 173 |
| Cost of funding earning assets | 0.8335% | 406 |
| Net interest margin | 4.9393% | 294 |
| Noninterest income to average assets | 0.4760% | 3,364 |
| Noninterest expense to average assets | 2.8311% | 2,916 |
| Loan and lease loss provision to assets | 0.2295% | 883 |
| Net operating income to assets | 1.7794% | 490 |
| Return on assets (ROA) | 1.7794% | 519 |
| Pretax return on assets | 1.9381% | 650 |
| Return on Equity (ROE) | 18.1215% | 347 |
| Retained earnings to average equity (ytd only) | 2.0966% | 4,521 |
| Net charge-offs to loans | 0.2646% | 911 |
| Credit loss provision to net charge-offs | 103.5503% | 2,040 |
| Earnings coverage of net charge-offs (x) | 9.7811% | 2,382 |
| Efficiency ratio | 56.6369% | 5,061 |
| Assets per employee ($millions) | 3.8175% | 4,238 |
| Cash dividends to net income (ytd only)* | 88.4304% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 3,013 |
| Loan loss allowance to noncurrent loans | 141.1043% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0858% | 1,951 |
| Noncurrent loans to loans | 0.8928% | 2,499 |
| Net loans and leases to total assets | 82.6436% | 559 |
| Net loans and leases to deposits | 97.4073% | 938 |
| Net loans and leases to core deposits | 106.8217% | 1,115 |
| Total domestic deposits to total assets | 84.8434% | 2,941 |
| Equity capital to assets | 9.8580% | 4,379 |
| Core capital (leverage) ratio | 9.8656% | 3,729 |
| Tier 1 risk-based capital ratio | 13.6496% | 3,800 |
| Total risk-based capital ratio | 14.9018% | 3,723 |
| Memoranda: | ||
| Average total assets | $152,520,330 | 3,519 |
| Average earning assets | $139,654,330 | 3,543 |
| Average equity | $14,976,670 | 3,856 |
| Average total loans | $127,718,330 | 2,973 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7645% | 170 |
| Cost of funding earning assets | 0.8387% | 405 |
| Net interest margin | 4.9258% | 300 |
| Noninterest income to average assets | 0.4671% | 3,357 |
| Noninterest expense to average assets | 2.7868% | 3,125 |
| Loan and lease loss provision to assets | 0.2362% | 769 |
| Net operating income to assets | 1.7975% | 468 |
| Return on assets (ROA) | 1.7975% | 502 |
| Pretax return on assets | 1.9445% | 636 |
| Return on Equity (ROE) | 18.3419% | 330 |
| Retained earnings to average equity (ytd only) | 2.2760% | 4,350 |
| Net charge-offs to loans | 0.2350% | 869 |
| Credit loss provision to net charge-offs | 120.0000% | 1,442 |
| Earnings coverage of net charge-offs (x) | 11.0800% | 1,885 |
| Efficiency ratio | 56.1014% | 5,183 |
| Assets per employee ($millions) | 3.8317% | 4,245 |
| Cash dividends to net income (ytd only)* | 87.5912% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 3,095 |
| Loan loss allowance to noncurrent loans | 94.7892% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.5444% | 1,307 |
| Noncurrent loans to loans | 1.3325% | 1,789 |
| Net loans and leases to total assets | 82.5737% | 497 |
| Net loans and leases to deposits | 97.6422% | 787 |
| Net loans and leases to core deposits | 107.1254% | 1,012 |
| Total domestic deposits to total assets | 84.5676% | 3,290 |
| Equity capital to assets | 9.7744% | 4,371 |
| Core capital (leverage) ratio | 9.9897% | 3,543 |
| Tier 1 risk-based capital ratio | 13.4453% | 4,013 |
| Total risk-based capital ratio | 14.6982% | 3,935 |
| Memoranda: | ||
| Average total assets | $152,431,000 | 3,549 |
| Average earning assets | $139,266,000 | 3,571 |
| Average equity | $14,938,500 | 3,875 |
| Average total loans | $127,674,500 | 2,971 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8221% | 164 |
| Cost of funding earning assets | 0.8610% | 350 |
| Net interest margin | 4.9610% | 273 |
| Noninterest income to average assets | 0.4794% | 3,466 |
| Noninterest expense to average assets | 2.9760% | 2,624 |
| Loan and lease loss provision to assets | 0.1332% | 1,788 |
| Net operating income to assets | 1.7622% | 514 |
| Return on assets (ROA) | 1.7622% | 531 |
| Pretax return on assets | 1.9336% | 623 |
| Return on Equity (ROE) | 17.7457% | 399 |
| Retained earnings to average equity (ytd only) | 1.2541% | 5,002 |
| Net charge-offs to loans | 0.3109% | 966 |
| Credit loss provision to net charge-offs | 51.2887% | 3,384 |
| Earnings coverage of net charge-offs (x) | 7.9562% | 3,018 |
| Efficiency ratio | 59.0149% | 5,027 |
| Assets per employee ($millions) | 3.7899% | 4,305 |
| Cash dividends to net income (ytd only)* | 92.9331% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 3,103 |
| Loan loss allowance to noncurrent loans | 93.0934% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 1,292 |
| Noncurrent loans to loans | 1.3549% | 1,733 |
| Net loans and leases to total assets | 82.8311% | 503 |
| Net loans and leases to deposits | 98.6332% | 770 |
| Net loans and leases to core deposits | 108.6182% | 937 |
| Total domestic deposits to total assets | 83.9789% | 3,488 |
| Equity capital to assets | 9.8262% | 4,164 |
| Core capital (leverage) ratio | 9.9330% | 3,603 |
| Tier 1 risk-based capital ratio | 13.4842% | 4,017 |
| Total risk-based capital ratio | 14.7370% | 3,955 |
| Memoranda: | ||
| Average total assets | $149,359,600 | 3,578 |
| Average earning assets | $137,390,600 | 3,572 |
| Average equity | $14,831,800 | 3,862 |
| Average total loans | $124,805,000 | 2,977 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 172 |
| Cost of funding earning assets | 0.8638% | 354 |
| Net interest margin | 4.9299% | 296 |
| Noninterest income to average assets | 0.4597% | 3,641 |
| Noninterest expense to average assets | 2.8476% | 3,014 |
| Loan and lease loss provision to assets | 0.1245% | 1,819 |
| Net operating income to assets | 1.8548% | 461 |
| Return on assets (ROA) | 1.8548% | 483 |
| Pretax return on assets | 2.0340% | 562 |
| Return on Equity (ROE) | 18.6284% | 360 |
| Retained earnings to average equity (ytd only) | 2.0248% | 4,869 |
| Net charge-offs to loans | 0.2361% | 1,113 |
| Credit loss provision to net charge-offs | 63.1818% | 2,872 |
| Earnings coverage of net charge-offs (x) | 10.9499% | 2,545 |
| Efficiency ratio | 56.8820% | 5,240 |
| Assets per employee ($millions) | 3.7201% | 4,406 |
| Cash dividends to net income (ytd only)* | 89.1305% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,759 |
| Loan loss allowance to noncurrent loans | 88.3385% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.8662% | 1,123 |
| Noncurrent loans to loans | 1.5467% | 1,616 |
| Net loans and leases to total assets | 83.0529% | 468 |
| Net loans and leases to deposits | 99.7096% | 677 |
| Net loans and leases to core deposits | 109.8484% | 883 |
| Total domestic deposits to total assets | 83.2948% | 3,703 |
| Equity capital to assets | 10.0374% | 4,111 |
| Core capital (leverage) ratio | 9.9489% | 3,711 |
| Tier 1 risk-based capital ratio | 13.7957% | 3,968 |
| Total risk-based capital ratio | 15.0500% | 3,906 |
| Memoranda: | ||
| Average total assets | $148,801,000 | 3,616 |
| Average earning assets | $137,226,750 | 3,608 |
| Average equity | $14,815,750 | 3,902 |
| Average total loans | $124,213,500 | 3,008 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 186 |
| Cost of funding earning assets | 0.8643% | 343 |
| Net interest margin | 4.8608% | 321 |
| Noninterest income to average assets | 0.4315% | 3,843 |
| Noninterest expense to average assets | 2.7997% | 3,239 |
| Loan and lease loss provision to assets | 0.0860% | 2,392 |
| Net operating income to assets | 1.8481% | 463 |
| Return on assets (ROA) | 1.8481% | 488 |
| Pretax return on assets | 2.0282% | 566 |
| Return on Equity (ROE) | 18.6117% | 364 |
| Retained earnings to average equity (ytd only) | 1.7596% | 4,817 |
| Net charge-offs to loans | 0.1243% | 1,763 |
| Credit loss provision to net charge-offs | 83.1169% | 2,294 |
| Earnings coverage of net charge-offs (x) | 20.4286% | 1,710 |
| Efficiency ratio | 56.9748% | 5,338 |
| Assets per employee ($millions) | 3.7363% | 4,350 |
| Cash dividends to net income (ytd only)* | 90.5455% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 2,676 |
| Loan loss allowance to noncurrent loans | 78.7611% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 1,386 |
| Noncurrent loans to loans | 1.7994% | 1,423 |
| Net loans and leases to total assets | 82.8471% | 489 |
| Net loans and leases to deposits | 99.4778% | 697 |
| Net loans and leases to core deposits | 114.6180% | 644 |
| Total domestic deposits to total assets | 83.2820% | 3,839 |
| Equity capital to assets | 9.9297% | 4,115 |
| Core capital (leverage) ratio | 9.8749% | 3,769 |
| Tier 1 risk-based capital ratio | 13.6393% | 4,140 |
| Total risk-based capital ratio | 14.8944% | 4,064 |
| Memoranda: | ||
| Average total assets | $148,800,000 | 3,647 |
| Average earning assets | $137,221,330 | 3,638 |
| Average equity | $14,775,670 | 3,926 |
| Average total loans | $123,852,000 | 3,024 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 216 |
| Cost of funding earning assets | 0.8581% | 365 |
| Net interest margin | 4.7690% | 369 |
| Noninterest income to average assets | 0.4391% | 3,696 |
| Noninterest expense to average assets | 2.8045% | 3,239 |
| Loan and lease loss provision to assets | 0.0242% | 3,386 |
| Net operating income to assets | 1.8643% | 431 |
| Return on assets (ROA) | 1.8643% | 458 |
| Pretax return on assets | 2.0125% | 573 |
| Return on Equity (ROE) | 18.7744% | 331 |
| Retained earnings to average equity (ytd only) | 1.8178% | 4,740 |
| Net charge-offs to loans | 0.0065% | 3,104 |
| Credit loss provision to net charge-offs | 450.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 378.0000% | 150 |
| Efficiency ratio | 57.9299% | 5,344 |
| Assets per employee ($millions) | 3.8416% | 4,266 |
| Cash dividends to net income (ytd only)* | 90.3179% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 2,664 |
| Loan loss allowance to noncurrent loans | 89.2414% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.5738% | 1,637 |
| Noncurrent loans to loans | 1.6275% | 1,714 |
| Net loans and leases to total assets | 81.5163% | 514 |
| Net loans and leases to deposits | 97.2814% | 744 |
| Net loans and leases to core deposits | 112.0756% | 652 |
| Total domestic deposits to total assets | 83.7943% | 3,892 |
| Equity capital to assets | 9.8629% | 4,308 |
| Core capital (leverage) ratio | 10.0549% | 3,528 |
| Tier 1 risk-based capital ratio | 13.1560% | 4,525 |
| Total risk-based capital ratio | 14.4096% | 4,430 |
| Memoranda: | ||
| Average total assets | $148,475,000 | 3,677 |
| Average earning assets | $137,050,500 | 3,668 |
| Average equity | $14,743,500 | 3,958 |
| Average total loans | $122,980,500 | 3,036 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8469% | 186 |
| Cost of funding earning assets | 0.9055% | 380 |
| Net interest margin | 4.9414% | 334 |
| Noninterest income to average assets | 0.4814% | 3,647 |
| Noninterest expense to average assets | 2.9329% | 3,046 |
| Loan and lease loss provision to assets | 0.1251% | 2,093 |
| Net operating income to assets | 1.8051% | 474 |
| Return on assets (ROA) | 1.8051% | 485 |
| Pretax return on assets | 1.9579% | 552 |
| Return on Equity (ROE) | 18.3404% | 367 |
| Retained earnings to average equity (ytd only) | 2.2943% | 4,604 |
| Net charge-offs to loans | 0.2014% | 2,056 |
| Credit loss provision to net charge-offs | 74.2972% | 2,979 |
| Earnings coverage of net charge-offs (x) | 12.3735% | 2,383 |
| Efficiency ratio | 58.4715% | 5,410 |
| Assets per employee ($millions) | 3.8717% | 4,222 |
| Cash dividends to net income (ytd only)* | 87.4906% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 2,609 |
| Loan loss allowance to noncurrent loans | 81.7601% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.9935% | 1,280 |
| Noncurrent loans to loans | 1.7971% | 1,601 |
| Net loans and leases to total assets | 81.7238% | 551 |
| Net loans and leases to deposits | 97.9352% | 766 |
| Net loans and leases to core deposits | 109.3640% | 807 |
| Total domestic deposits to total assets | 83.4468% | 3,930 |
| Equity capital to assets | 9.9982% | 4,115 |
| Core capital (leverage) ratio | 9.9718% | 3,611 |
| Tier 1 risk-based capital ratio | 13.9764% | 4,109 |
| Total risk-based capital ratio | 15.2324% | 4,031 |
| Memoranda: | ||
| Average total assets | $147,910,400 | 3,666 |
| Average earning assets | $135,731,000 | 3,662 |
| Average equity | $14,558,000 | 3,923 |
| Average total loans | $123,665,000 | 2,979 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8587% | 177 |
| Cost of funding earning assets | 0.9112% | 394 |
| Net interest margin | 4.9475% | 329 |
| Noninterest income to average assets | 0.5059% | 3,508 |
| Noninterest expense to average assets | 2.7493% | 3,640 |
| Loan and lease loss provision to assets | 0.3331% | 546 |
| Net operating income to assets | 1.8140% | 504 |
| Return on assets (ROA) | 1.8140% | 517 |
| Pretax return on assets | 1.9643% | 618 |
| Return on Equity (ROE) | 18.5028% | 396 |
| Retained earnings to average equity (ytd only) | 2.4793% | 4,809 |
| Net charge-offs to loans | 0.1730% | 2,068 |
| Credit loss provision to net charge-offs | 229.8137% | 1,136 |
| Earnings coverage of net charge-offs (x) | 15.8510% | 2,028 |
| Efficiency ratio | 54.4773% | 5,777 |
| Assets per employee ($millions) | 3.8532% | 4,183 |
| Cash dividends to net income (ytd only)* | 86.6005% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 2,032 |
| Loan loss allowance to noncurrent loans | 102.8884% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.9246% | 1,516 |
| Noncurrent loans to loans | 1.6341% | 1,996 |
| Net loans and leases to total assets | 82.5129% | 462 |
| Net loans and leases to deposits | 99.5353% | 639 |
| Net loans and leases to core deposits | 110.9339% | 711 |
| Total domestic deposits to total assets | 82.8981% | 4,183 |
| Equity capital to assets | 10.0026% | 4,158 |
| Core capital (leverage) ratio | 9.8677% | 3,857 |
| Tier 1 risk-based capital ratio | 13.8277% | 4,340 |
| Total risk-based capital ratio | 15.0862% | 4,266 |
| Memoranda: | ||
| Average total assets | $148,106,500 | 3,688 |
| Average earning assets | $135,930,750 | 3,687 |
| Average equity | $14,520,000 | 3,950 |
| Average total loans | $124,073,750 | 2,991 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8283% | 181 |
| Cost of funding earning assets | 0.9084% | 413 |
| Net interest margin | 4.9199% | 337 |
| Noninterest income to average assets | 0.4762% | 3,661 |
| Noninterest expense to average assets | 2.7013% | 3,859 |
| Loan and lease loss provision to assets | 0.3363% | 547 |
| Net operating income to assets | 1.7919% | 500 |
| Return on assets (ROA) | 1.7919% | 517 |
| Pretax return on assets | 1.9412% | 625 |
| Return on Equity (ROE) | 18.4003% | 423 |
| Retained earnings to average equity (ytd only) | 2.5694% | 4,567 |
| Net charge-offs to loans | 0.1398% | 2,273 |
| Credit loss provision to net charge-offs | 287.3563% | 889 |
| Earnings coverage of net charge-offs (x) | 19.4598% | 1,625 |
| Efficiency ratio | 54.2556% | 5,893 |
| Assets per employee ($millions) | 3.8850% | 4,096 |
| Cash dividends to net income (ytd only)* | 86.0360% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 2,389 |
| Loan loss allowance to noncurrent loans | 78.7832% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.3098% | 1,284 |
| Noncurrent loans to loans | 2.0577% | 1,632 |
| Net loans and leases to total assets | 83.0346% | 378 |
| Net loans and leases to deposits | 100.1062% | 553 |
| Net loans and leases to core deposits | 114.2825% | 526 |
| Total domestic deposits to total assets | 82.9466% | 4,321 |
| Equity capital to assets | 9.8638% | 4,277 |
| Core capital (leverage) ratio | 9.7563% | 3,953 |
| Tier 1 risk-based capital ratio | 13.5394% | 4,557 |
| Total risk-based capital ratio | 14.7974% | 4,491 |
| Memoranda: | ||
| Average total assets | $148,668,000 | 3,700 |
| Average earning assets | $136,060,670 | 3,709 |
| Average equity | $14,478,000 | 3,954 |
| Average total loans | $124,470,670 | 2,982 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8415% | 178 |
| Cost of funding earning assets | 0.8806% | 503 |
| Net interest margin | 4.9608% | 294 |
| Noninterest income to average assets | 0.4129% | 4,082 |
| Noninterest expense to average assets | 2.6624% | 4,068 |
| Loan and lease loss provision to assets | 0.3217% | 572 |
| Net operating income to assets | 1.8098% | 476 |
| Return on assets (ROA) | 1.8098% | 496 |
| Pretax return on assets | 1.9600% | 578 |
| Return on Equity (ROE) | 18.7032% | 385 |
| Retained earnings to average equity (ytd only) | 3.3250% | 4,133 |
| Net charge-offs to loans | 0.0386% | 2,842 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 70.9167% | 587 |
| Efficiency ratio | 53.8503% | 6,023 |
| Assets per employee ($millions) | 3.9618% | 4,023 |
| Cash dividends to net income (ytd only)* | 82.2222% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 2,850 |
| Loan loss allowance to noncurrent loans | 77.8835% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.1853% | 1,516 |
| Noncurrent loans to loans | 2.0114% | 1,853 |
| Net loans and leases to total assets | 82.0138% | 355 |
| Net loans and leases to deposits | 98.8488% | 497 |
| Net loans and leases to core deposits | 112.1658% | 514 |
| Total domestic deposits to total assets | 82.9690% | 4,613 |
| Equity capital to assets | 9.6288% | 4,316 |
| Core capital (leverage) ratio | 9.8013% | 3,862 |
| Tier 1 risk-based capital ratio | 13.3087% | 4,822 |
| Total risk-based capital ratio | 14.5656% | 4,742 |
| Memoranda: | ||
| Average total assets | $149,187,000 | 3,713 |
| Average earning assets | $136,267,500 | 3,726 |
| Average equity | $14,436,000 | 3,962 |
| Average total loans | $124,404,000 | 2,982 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1011% | 150 |
| Cost of funding earning assets | 1.0455% | 365 |
| Net interest margin | 5.0556% | 284 |
| Noninterest income to average assets | 0.5367% | 3,505 |
| Noninterest expense to average assets | 2.6870% | 4,139 |
| Loan and lease loss provision to assets | 0.3877% | 779 |
| Net operating income to assets | 1.7232% | 559 |
| Return on assets (ROA) | 1.7232% | 580 |
| Pretax return on assets | 1.9063% | 592 |
| Return on Equity (ROE) | 18.0742% | 401 |
| Retained earnings to average equity (ytd only) | 2.1313% | 4,726 |
| Net charge-offs to loans | 0.3698% | 1,829 |
| Credit loss provision to net charge-offs | 127.4725% | 1,844 |
| Earnings coverage of net charge-offs (x) | 7.5429% | 2,823 |
| Efficiency ratio | 53.9452% | 6,140 |
| Assets per employee ($millions) | 3.7904% | 4,284 |
| Cash dividends to net income (ytd only)* | 88.2079% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,153 |
| Loan loss allowance to noncurrent loans | 73.9252% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.1816% | 1,638 |
| Noncurrent loans to loans | 2.0361% | 1,952 |
| Net loans and leases to total assets | 82.2019% | 401 |
| Net loans and leases to deposits | 99.7603% | 491 |
| Net loans and leases to core deposits | 110.0420% | 606 |
| Total domestic deposits to total assets | 82.3995% | 4,737 |
| Equity capital to assets | 9.7250% | 4,141 |
| Core capital (leverage) ratio | 9.6574% | 4,046 |
| Tier 1 risk-based capital ratio | 13.4918% | 4,657 |
| Total risk-based capital ratio | 14.7475% | 4,598 |
| Memoranda: | ||
| Average total assets | $149,609,200 | 3,709 |
| Average earning assets | $131,517,400 | 3,812 |
| Average equity | $14,263,400 | 4,012 |
| Average total loans | $123,053,600 | 2,983 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1511% | 139 |
| Cost of funding earning assets | 1.0765% | 350 |
| Net interest margin | 5.0746% | 279 |
| Noninterest income to average assets | 0.5767% | 3,292 |
| Noninterest expense to average assets | 2.5661% | 4,497 |
| Loan and lease loss provision to assets | 0.4887% | 568 |
| Net operating income to assets | 1.7682% | 567 |
| Return on assets (ROA) | 1.7682% | 590 |
| Pretax return on assets | 1.9450% | 659 |
| Return on Equity (ROE) | 18.6387% | 395 |
| Retained earnings to average equity (ytd only) | 2.7630% | 4,668 |
| Net charge-offs to loans | 0.2602% | 2,255 |
| Credit loss provision to net charge-offs | 229.1667% | 1,061 |
| Earnings coverage of net charge-offs (x) | 11.4126% | 2,250 |
| Efficiency ratio | 51.3240% | 6,306 |
| Assets per employee ($millions) | 3.8531% | 4,122 |
| Cash dividends to net income (ytd only)* | 85.1757% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 2,790 |
| Loan loss allowance to noncurrent loans | 63.6732% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.4995% | 1,538 |
| Noncurrent loans to loans | 2.5965% | 1,639 |
| Net loans and leases to total assets | 80.8352% | 469 |
| Net loans and leases to deposits | 97.9542% | 574 |
| Net loans and leases to core deposits | 109.1374% | 616 |
| Total domestic deposits to total assets | 82.5235% | 4,746 |
| Equity capital to assets | 9.5608% | 4,473 |
| Core capital (leverage) ratio | 9.6055% | 4,235 |
| Tier 1 risk-based capital ratio | 13.4092% | 4,830 |
| Total risk-based capital ratio | 14.6673% | 4,765 |
| Memoranda: | ||
| Average total assets | $150,055,250 | 3,742 |
| Average earning assets | $130,792,500 | 3,869 |
| Average equity | $14,235,250 | 4,071 |
| Average total loans | $122,974,000 | 2,999 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2493% | 125 |
| Cost of funding earning assets | 1.1135% | 316 |
| Net interest margin | 5.1357% | 234 |
| Noninterest income to average assets | 0.5921% | 3,238 |
| Noninterest expense to average assets | 2.5496% | 4,564 |
| Loan and lease loss provision to assets | 0.4934% | 561 |
| Net operating income to assets | 1.7749% | 546 |
| Return on assets (ROA) | 1.7749% | 585 |
| Pretax return on assets | 1.9402% | 682 |
| Return on Equity (ROE) | 18.7579% | 405 |
| Retained earnings to average equity (ytd only) | 3.5374% | 4,069 |
| Net charge-offs to loans | 0.2199% | 2,426 |
| Credit loss provision to net charge-offs | 274.0741% | 924 |
| Earnings coverage of net charge-offs (x) | 13.5185% | 1,898 |
| Efficiency ratio | 51.1640% | 6,340 |
| Assets per employee ($millions) | 4.8340% | 2,317 |
| Cash dividends to net income (ytd only)* | 81.1420% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,162 |
| Loan loss allowance to noncurrent loans | 98.4484% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.0780% | 2,078 |
| Noncurrent loans to loans | 1.6254% | 2,869 |
| Net loans and leases to total assets | 80.7139% | 466 |
| Net loans and leases to deposits | 98.0520% | 537 |
| Net loans and leases to core deposits | 110.3989% | 550 |
| Total domestic deposits to total assets | 82.3175% | 4,941 |
| Equity capital to assets | 9.5580% | 4,502 |
| Core capital (leverage) ratio | 9.5226% | 4,211 |
| Tier 1 risk-based capital ratio | 13.2794% | 4,933 |
| Total risk-based capital ratio | 14.5366% | 4,874 |
| Memoranda: | ||
| Average total assets | $149,983,670 | 3,770 |
| Average earning assets | $128,239,330 | 3,939 |
| Average equity | $14,191,330 | 4,112 |
| Average total loans | $122,794,330 | 3,008 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2615% | 119 |
| Cost of funding earning assets | 1.1419% | 299 |
| Net interest margin | 5.1196% | 227 |
| Noninterest income to average assets | 0.5438% | 3,482 |
| Noninterest expense to average assets | 2.5005% | 4,750 |
| Loan and lease loss provision to assets | 0.5598% | 470 |
| Net operating income to assets | 1.7248% | 549 |
| Return on assets (ROA) | 1.7248% | 606 |
| Pretax return on assets | 1.8581% | 790 |
| Return on Equity (ROE) | 18.3215% | 409 |
| Retained earnings to average equity (ytd only) | 3.0300% | 4,466 |
| Net charge-offs to loans | 0.3129% | 1,711 |
| Credit loss provision to net charge-offs | 218.7500% | 1,020 |
| Earnings coverage of net charge-offs (x) | 9.4479% | 1,835 |
| Efficiency ratio | 50.8401% | 6,448 |
| Assets per employee ($millions) | 3.8424% | 4,268 |
| Cash dividends to net income (ytd only)* | 83.4621% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,825 |
| Loan loss allowance to noncurrent loans | 79.5347% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 2.4657% | 1,872 |
| Noncurrent loans to loans | 1.8876% | 2,750 |
| Net loans and leases to total assets | 80.8225% | 363 |
| Net loans and leases to deposits | 99.7825% | 362 |
| Net loans and leases to core deposits | 111.9042% | 438 |
| Total domestic deposits to total assets | 80.9987% | 5,497 |
| Equity capital to assets | 9.4619% | 4,902 |
| Core capital (leverage) ratio | 9.5259% | 4,035 |
| Tier 1 risk-based capital ratio | 13.0695% | 5,166 |
| Total risk-based capital ratio | 14.3250% | 5,116 |
| Memoranda: | ||
| Average total assets | $150,048,500 | 3,808 |
| Average earning assets | $128,212,500 | 3,978 |
| Average equity | $14,125,500 | 4,175 |
| Average total loans | $122,731,500 | 3,032 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6126% | 117 |
| Cost of funding earning assets | 1.2729% | 411 |
| Net interest margin | 5.3397% | 219 |
| Noninterest income to average assets | 0.5503% | 3,578 |
| Noninterest expense to average assets | 2.7801% | 4,105 |
| Loan and lease loss provision to assets | 0.4117% | 1,563 |
| Net operating income to assets | 1.8443% | 479 |
| Return on assets (ROA) | 1.8443% | 535 |
| Pretax return on assets | 1.9808% | 628 |
| Return on Equity (ROE) | 19.0560% | 354 |
| Retained earnings to average equity (ytd only) | 0.7869% | 5,468 |
| Net charge-offs to loans | 0.4037% | 2,639 |
| Credit loss provision to net charge-offs | 123.2033% | 2,312 |
| Earnings coverage of net charge-offs (x) | 7.1602% | 2,662 |
| Efficiency ratio | 53.7472% | 6,289 |
| Assets per employee ($millions) | 3.8524% | 4,264 |
| Cash dividends to net income (ytd only)* | 95.8705% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,104 |
| Loan loss allowance to noncurrent loans | 117.5832% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.8403% | 2,658 |
| Noncurrent loans to loans | 1.2024% | 3,849 |
| Net loans and leases to total assets | 80.3826% | 435 |
| Net loans and leases to deposits | 99.2089% | 446 |
| Net loans and leases to core deposits | 112.6544% | 446 |
| Total domestic deposits to total assets | 81.0235% | 5,395 |
| Equity capital to assets | 9.3661% | 5,044 |
| Core capital (leverage) ratio | 9.4639% | 4,162 |
| Tier 1 risk-based capital ratio | 12.9556% | 5,139 |
| Total risk-based capital ratio | 14.2096% | 5,076 |
| Memoranda: | ||
| Average total assets | $145,750,200 | 3,848 |
| Average earning assets | $126,168,200 | 3,977 |
| Average equity | $14,105,800 | 4,137 |
| Average total loans | $120,630,200 | 3,057 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6897% | 109 |
| Cost of funding earning assets | 1.2858% | 466 |
| Net interest margin | 5.4040% | 203 |
| Noninterest income to average assets | 0.5541% | 3,580 |
| Noninterest expense to average assets | 2.7730% | 4,082 |
| Loan and lease loss provision to assets | 0.4333% | 1,463 |
| Net operating income to assets | 1.8853% | 469 |
| Return on assets (ROA) | 1.8853% | 548 |
| Pretax return on assets | 2.0438% | 639 |
| Return on Equity (ROE) | 19.3181% | 379 |
| Retained earnings to average equity (ytd only) | 2.5033% | 5,072 |
| Net charge-offs to loans | 0.3617% | 2,656 |
| Credit loss provision to net charge-offs | 144.1718% | 1,985 |
| Earnings coverage of net charge-offs (x) | 8.2423% | 2,478 |
| Efficiency ratio | 52.8183% | 6,375 |
| Assets per employee ($millions) | 3.7203% | 4,497 |
| Cash dividends to net income (ytd only)* | 87.0414% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 4,075 |
| Loan loss allowance to noncurrent loans | 122.7716% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 2.4074% | 2,208 |
| Noncurrent loans to loans | 1.1957% | 4,061 |
| Net loans and leases to total assets | 81.5600% | 381 |
| Net loans and leases to deposits | 99.9595% | 438 |
| Net loans and leases to core deposits | 112.8266% | 471 |
| Total domestic deposits to total assets | 81.5931% | 5,163 |
| Equity capital to assets | 9.8048% | 4,776 |
| Core capital (leverage) ratio | 9.8483% | 3,756 |
| Tier 1 risk-based capital ratio | 13.2760% | 5,039 |
| Total risk-based capital ratio | 14.5312% | 4,999 |
| Memoranda: | ||
| Average total assets | $144,626,750 | 3,910 |
| Average earning assets | $125,682,000 | 4,023 |
| Average equity | $14,114,250 | 4,175 |
| Average total loans | $120,162,250 | 3,110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6766% | 114 |
| Cost of funding earning assets | 1.3054% | 517 |
| Net interest margin | 5.3711% | 223 |
| Noninterest income to average assets | 0.4956% | 3,949 |
| Noninterest expense to average assets | 2.8116% | 3,969 |
| Loan and lease loss provision to assets | 0.3669% | 1,787 |
| Net operating income to assets | 1.8343% | 533 |
| Return on assets (ROA) | 1.8343% | 600 |
| Pretax return on assets | 1.9935% | 704 |
| Return on Equity (ROE) | 18.8250% | 431 |
| Retained earnings to average equity (ytd only) | 2.9126% | 4,693 |
| Net charge-offs to loans | 0.3295% | 2,711 |
| Credit loss provision to net charge-offs | 133.8384% | 2,052 |
| Earnings coverage of net charge-offs (x) | 8.6111% | 2,267 |
| Efficiency ratio | 54.3630% | 6,287 |
| Assets per employee ($millions) | 3.6925% | 4,539 |
| Cash dividends to net income (ytd only)* | 84.5283% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,446 |
| Loan loss allowance to noncurrent loans | 100.7770% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 2.3992% | 2,333 |
| Noncurrent loans to loans | 1.3938% | 3,831 |
| Net loans and leases to total assets | 82.1820% | 328 |
| Net loans and leases to deposits | 101.0106% | 381 |
| Net loans and leases to core deposits | 114.1739% | 444 |
| Total domestic deposits to total assets | 81.3598% | 5,344 |
| Equity capital to assets | 9.8371% | 4,562 |
| Core capital (leverage) ratio | 9.9179% | 3,534 |
| Tier 1 risk-based capital ratio | 13.1787% | 5,054 |
| Total risk-based capital ratio | 14.4327% | 5,026 |
| Memoranda: | ||
| Average total assets | $144,471,670 | 3,930 |
| Average earning assets | $125,783,330 | 4,038 |
| Average equity | $14,077,000 | 4,181 |
| Average total loans | $120,183,000 | 3,132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7755% | 119 |
| Cost of funding earning assets | 1.3417% | 532 |
| Net interest margin | 5.4337% | 205 |
| Noninterest income to average assets | 0.5777% | 3,355 |
| Noninterest expense to average assets | 2.9660% | 3,404 |
| Loan and lease loss provision to assets | 0.3455% | 1,810 |
| Net operating income to assets | 1.8327% | 562 |
| Return on assets (ROA) | 1.8327% | 635 |
| Pretax return on assets | 1.9903% | 747 |
| Return on Equity (ROE) | 18.8990% | 463 |
| Retained earnings to average equity (ytd only) | 4.0763% | 4,146 |
| Net charge-offs to loans | 0.2561% | 2,642 |
| Credit loss provision to net charge-offs | 162.3377% | 1,568 |
| Earnings coverage of net charge-offs (x) | 10.9740% | 1,710 |
| Efficiency ratio | 55.9437% | 6,128 |
| Assets per employee ($millions) | 3.7209% | 4,608 |
| Cash dividends to net income (ytd only)* | 78.4314% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,673 |
| Loan loss allowance to noncurrent loans | 96.7499% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 2.4112% | 2,453 |
| Noncurrent loans to loans | 1.4312% | 3,964 |
| Net loans and leases to total assets | 81.8133% | 284 |
| Net loans and leases to deposits | 102.0781% | 306 |
| Net loans and leases to core deposits | 113.7441% | 438 |
| Total domestic deposits to total assets | 80.1477% | 5,825 |
| Equity capital to assets | 9.7191% | 4,493 |
| Core capital (leverage) ratio | 9.7970% | 3,648 |
| Tier 1 risk-based capital ratio | 13.0323% | 5,194 |
| Total risk-based capital ratio | 14.2862% | 5,156 |
| Memoranda: | ||
| Average total assets | $144,704,500 | 3,962 |
| Average earning assets | $125,806,500 | 4,065 |
| Average equity | $14,032,500 | 4,193 |
| Average total loans | $120,258,000 | 3,149 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0910% | 86 |
| Cost of funding earning assets | 1.4778% | 781 |
| Net interest margin | 5.6132% | 150 |
| Noninterest income to average assets | 0.5808% | 3,292 |
| Noninterest expense to average assets | 3.0223% | 3,511 |
| Loan and lease loss provision to assets | 0.5290% | 1,979 |
| Net operating income to assets | 1.7857% | 469 |
| Return on assets (ROA) | 1.7857% | 511 |
| Pretax return on assets | 1.9261% | 630 |
| Return on Equity (ROE) | 17.8546% | 396 |
| Retained earnings to average equity (ytd only) | 2.2237% | 4,630 |
| Net charge-offs to loans | 0.4697% | 3,108 |
| Credit loss provision to net charge-offs | 137.1269% | 2,168 |
| Earnings coverage of net charge-offs (x) | 6.3638% | 2,532 |
| Efficiency ratio | 55.1774% | 6,401 |
| Assets per employee ($millions) | 3.6998% | 4,551 |
| Cash dividends to net income (ytd only)* | 87.5453% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 4,676 |
| Loan loss allowance to noncurrent loans | 124.3472% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.3258% | 2,598 |
| Noncurrent loans to loans | 1.0839% | 4,545 |
| Net loans and leases to total assets | 82.1286% | 329 |
| Net loans and leases to deposits | 104.2673% | 304 |
| Net loans and leases to core deposits | 117.1855% | 414 |
| Total domestic deposits to total assets | 78.7674% | 6,045 |
| Equity capital to assets | 9.6755% | 4,640 |
| Core capital (leverage) ratio | 9.8205% | 3,561 |
| Tier 1 risk-based capital ratio | 12.9480% | 5,110 |
| Total risk-based capital ratio | 14.2009% | 5,091 |
| Memoranda: | ||
| Average total assets | $138,935,400 | 3,992 |
| Average earning assets | $121,196,600 | 4,110 |
| Average equity | $13,895,600 | 4,129 |
| Average total loans | $114,108,400 | 3,292 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1241% | 88 |
| Cost of funding earning assets | 1.5061% | 839 |
| Net interest margin | 5.6180% | 149 |
| Noninterest income to average assets | 0.6260% | 3,018 |
| Noninterest expense to average assets | 2.9593% | 3,706 |
| Loan and lease loss provision to assets | 0.4971% | 1,999 |
| Net operating income to assets | 1.9331% | 396 |
| Return on assets (ROA) | 1.9331% | 432 |
| Pretax return on assets | 2.0746% | 546 |
| Return on Equity (ROE) | 19.1648% | 369 |
| Retained earnings to average equity (ytd only) | 3.4199% | 4,303 |
| Net charge-offs to loans | 0.3931% | 3,150 |
| Credit loss provision to net charge-offs | 154.5181% | 2,009 |
| Earnings coverage of net charge-offs (x) | 7.9939% | 2,267 |
| Efficiency ratio | 53.5039% | 6,543 |
| Assets per employee ($millions) | 3.6237% | 4,699 |
| Cash dividends to net income (ytd only)* | 82.1555% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,708 |
| Loan loss allowance to noncurrent loans | 69.3975% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 3.3936% | 1,868 |
| Noncurrent loans to loans | 1.9677% | 3,409 |
| Net loans and leases to total assets | 81.8267% | 371 |
| Net loans and leases to deposits | 103.5662% | 328 |
| Net loans and leases to core deposits | 116.6537% | 480 |
| Total domestic deposits to total assets | 79.0091% | 5,984 |
| Equity capital to assets | 9.9418% | 4,422 |
| Core capital (leverage) ratio | 10.1225% | 3,282 |
| Tier 1 risk-based capital ratio | 13.2365% | 4,921 |
| Total risk-based capital ratio | 14.4895% | 4,891 |
| Memoranda: | ||
| Average total assets | $137,596,250 | 4,045 |
| Average earning assets | $120,134,000 | 4,148 |
| Average equity | $13,879,250 | 4,146 |
| Average total loans | $112,604,500 | 3,364 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1137% | 94 |
| Cost of funding earning assets | 1.5340% | 880 |
| Net interest margin | 5.5797% | 159 |
| Noninterest income to average assets | 0.5970% | 3,164 |
| Noninterest expense to average assets | 2.9863% | 3,696 |
| Loan and lease loss provision to assets | 0.4254% | 2,308 |
| Net operating income to assets | 1.9185% | 392 |
| Return on assets (ROA) | 1.9185% | 418 |
| Pretax return on assets | 2.0564% | 525 |
| Return on Equity (ROE) | 18.9259% | 393 |
| Retained earnings to average equity (ytd only) | 2.5466% | 4,670 |
| Net charge-offs to loans | 0.2719% | 3,524 |
| Credit loss provision to net charge-offs | 192.0530% | 1,572 |
| Earnings coverage of net charge-offs (x) | 11.2053% | 1,737 |
| Efficiency ratio | 54.6137% | 6,559 |
| Assets per employee ($millions) | 3.5314% | 4,854 |
| Cash dividends to net income (ytd only)* | 86.5443% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,667 |
| Loan loss allowance to noncurrent loans | 77.6892% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 3.2492% | 2,060 |
| Noncurrent loans to loans | 1.7779% | 3,785 |
| Net loans and leases to total assets | 80.8742% | 459 |
| Net loans and leases to deposits | 103.1028% | 345 |
| Net loans and leases to core deposits | 111.5000% | 670 |
| Total domestic deposits to total assets | 78.4404% | 6,205 |
| Equity capital to assets | 10.0744% | 4,057 |
| Core capital (leverage) ratio | 10.1130% | 3,129 |
| Tier 1 risk-based capital ratio | 13.6655% | 4,406 |
| Total risk-based capital ratio | 14.9193% | 4,379 |
| Memoranda: | ||
| Average total assets | $136,354,000 | 4,098 |
| Average earning assets | $119,038,330 | 4,208 |
| Average equity | $13,822,330 | 4,154 |
| Average total loans | $111,059,000 | 3,431 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1223% | 99 |
| Cost of funding earning assets | 1.5501% | 977 |
| Net interest margin | 5.5722% | 150 |
| Noninterest income to average assets | 0.4924% | 3,949 |
| Noninterest expense to average assets | 2.8304% | 4,328 |
| Loan and lease loss provision to assets | 0.4128% | 2,129 |
| Net operating income to assets | 1.9842% | 355 |
| Return on assets (ROA) | 1.9842% | 370 |
| Pretax return on assets | 2.1140% | 461 |
| Return on Equity (ROE) | 19.5129% | 363 |
| Retained earnings to average equity (ytd only) | 3.1023% | 4,310 |
| Net charge-offs to loans | 0.1889% | 3,369 |
| Credit loss provision to net charge-offs | 269.2308% | 1,164 |
| Earnings coverage of net charge-offs (x) | 16.4808% | 1,266 |
| Efficiency ratio | 52.8343% | 6,793 |
| Assets per employee ($millions) | 3.6301% | 4,694 |
| Cash dividends to net income (ytd only)* | 84.1010% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,891 |
| Loan loss allowance to noncurrent loans | 63.4413% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 3.4072% | 2,000 |
| Noncurrent loans to loans | 2.1320% | 3,402 |
| Net loans and leases to total assets | 79.7306% | 533 |
| Net loans and leases to deposits | 98.9020% | 529 |
| Net loans and leases to core deposits | 107.7262% | 856 |
| Total domestic deposits to total assets | 80.6158% | 5,786 |
| Equity capital to assets | 9.9977% | 3,775 |
| Core capital (leverage) ratio | 10.2632% | 2,850 |
| Tier 1 risk-based capital ratio | 13.6541% | 4,326 |
| Total risk-based capital ratio | 14.9069% | 4,293 |
| Memoranda: | ||
| Average total assets | $135,668,500 | 4,143 |
| Average earning assets | $118,445,000 | 4,249 |
| Average equity | $13,796,000 | 4,153 |
| Average total loans | $110,116,500 | 3,486 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3346% | 96 |
| Cost of funding earning assets | 1.8592% | 970 |
| Net interest margin | 5.4753% | 178 |
| Noninterest income to average assets | 0.8386% | 2,103 |
| Noninterest expense to average assets | 3.1325% | 3,340 |
| Loan and lease loss provision to assets | 0.5139% | 3,096 |
| Net operating income to assets | 1.9059% | 336 |
| Return on assets (ROA) | 1.9059% | 359 |
| Pretax return on assets | 1.9714% | 514 |
| Return on Equity (ROE) | 18.9851% | 313 |
| Retained earnings to average equity (ytd only) | 4.2140% | 2,893 |
| Net charge-offs to loans | 0.5023% | 3,609 |
| Credit loss provision to net charge-offs | 127.5416% | 3,154 |
| Earnings coverage of net charge-offs (x) | 6.1682% | 2,421 |
| Efficiency ratio | 55.7603% | 6,624 |
| Assets per employee ($millions) | 3.5104% | 4,914 |
| Cash dividends to net income (ytd only)* | 77.8038% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,976 |
| Loan loss allowance to noncurrent loans | 61.8198% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 3.2580% | 2,168 |
| Noncurrent loans to loans | 2.1123% | 3,420 |
| Net loans and leases to total assets | 80.4550% | 604 |
| Net loans and leases to deposits | 99.8381% | 590 |
| Net loans and leases to core deposits | 136.0017% | 261 |
| Total domestic deposits to total assets | 80.5855% | 5,661 |
| Equity capital to assets | 10.3460% | 3,331 |
| Core capital (leverage) ratio | 10.2460% | 2,818 |
| Tier 1 risk-based capital ratio | 14.0429% | 3,843 |
| Total risk-based capital ratio | 15.2950% | 3,808 |
| Memoranda: | ||
| Average total assets | $134,269,200 | 4,171 |
| Average earning assets | $117,198,200 | 4,287 |
| Average equity | $13,479,000 | 4,265 |
| Average total loans | $107,701,600 | 3,600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3843% | 93 |
| Cost of funding earning assets | 1.9187% | 968 |
| Net interest margin | 5.4656% | 185 |
| Noninterest income to average assets | 0.6771% | 2,962 |
| Noninterest expense to average assets | 2.9395% | 3,949 |
| Loan and lease loss provision to assets | 0.5552% | 2,727 |
| Net operating income to assets | 1.8946% | 411 |
| Return on assets (ROA) | 1.8946% | 460 |
| Pretax return on assets | 1.9580% | 683 |
| Return on Equity (ROE) | 19.0166% | 389 |
| Retained earnings to average equity (ytd only) | 4.1297% | 3,565 |
| Net charge-offs to loans | 0.4492% | 3,507 |
| Credit loss provision to net charge-offs | 154.6961% | 2,485 |
| Earnings coverage of net charge-offs (x) | 7.0028% | 2,404 |
| Efficiency ratio | 53.9091% | 6,798 |
| Assets per employee ($millions) | 3.3354% | 5,372 |
| Cash dividends to net income (ytd only)* | 78.2836% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,504 |
| Loan loss allowance to noncurrent loans | 71.7285% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 3.0319% | 2,396 |
| Noncurrent loans to loans | 1.9416% | 3,759 |
| Net loans and leases to total assets | 79.9580% | 757 |
| Net loans and leases to deposits | 99.8915% | 667 |
| Net loans and leases to core deposits | 109.1440% | 1,085 |
| Total domestic deposits to total assets | 80.0449% | 5,692 |
| Equity capital to assets | 10.4941% | 3,528 |
| Core capital (leverage) ratio | 10.1644% | 3,080 |
| Tier 1 risk-based capital ratio | 14.2496% | 3,665 |
| Total risk-based capital ratio | 15.5031% | 3,622 |
| Memoranda: | ||
| Average total assets | $134,487,750 | 4,223 |
| Average earning assets | $117,507,500 | 4,344 |
| Average equity | $13,398,500 | 4,350 |
| Average total loans | $107,441,250 | 3,652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3965% | 94 |
| Cost of funding earning assets | 2.0074% | 893 |
| Net interest margin | 5.3890% | 203 |
| Noninterest income to average assets | 0.6973% | 2,724 |
| Noninterest expense to average assets | 2.8465% | 4,279 |
| Loan and lease loss provision to assets | 0.6031% | 2,377 |
| Net operating income to assets | 1.9065% | 390 |
| Return on assets (ROA) | 1.9065% | 434 |
| Pretax return on assets | 1.9668% | 647 |
| Return on Equity (ROE) | 19.4677% | 360 |
| Retained earnings to average equity (ytd only) | 4.2511% | 3,372 |
| Net charge-offs to loans | 0.4145% | 3,333 |
| Credit loss provision to net charge-offs | 183.0357% | 2,151 |
| Earnings coverage of net charge-offs (x) | 7.7991% | 2,233 |
| Efficiency ratio | 52.5530% | 7,022 |
| Assets per employee ($millions) | 3.4491% | 5,044 |
| Cash dividends to net income (ytd only)* | 78.1636% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,632 |
| Loan loss allowance to noncurrent loans | 84.2684% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 2.2332% | 3,220 |
| Noncurrent loans to loans | 1.6118% | 4,294 |
| Net loans and leases to total assets | 78.6648% | 1,015 |
| Net loans and leases to deposits | 99.3195% | 780 |
| Net loans and leases to core deposits | 105.8954% | 1,456 |
| Total domestic deposits to total assets | 79.2038% | 5,977 |
| Equity capital to assets | 10.0509% | 3,952 |
| Core capital (leverage) ratio | 9.9582% | 3,210 |
| Tier 1 risk-based capital ratio | 13.8762% | 3,819 |
| Total risk-based capital ratio | 15.1292% | 3,780 |
| Memoranda: | ||
| Average total assets | $135,956,330 | 4,214 |
| Average earning assets | $119,056,670 | 4,336 |
| Average equity | $13,314,330 | 4,371 |
| Average total loans | $108,095,000 | 3,678 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4249% | 113 |
| Cost of funding earning assets | 2.1085% | 793 |
| Net interest margin | 5.3163% | 238 |
| Noninterest income to average assets | 0.6790% | 2,743 |
| Noninterest expense to average assets | 2.8213% | 4,402 |
| Loan and lease loss provision to assets | 0.6439% | 1,967 |
| Net operating income to assets | 1.8379% | 458 |
| Return on assets (ROA) | 1.8379% | 503 |
| Pretax return on assets | 1.8847% | 757 |
| Return on Equity (ROE) | 19.0137% | 439 |
| Retained earnings to average equity (ytd only) | 4.8745% | 3,222 |
| Net charge-offs to loans | 0.2949% | 3,234 |
| Credit loss provision to net charge-offs | 275.0000% | 1,439 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,712 |
| Efficiency ratio | 52.7352% | 7,080 |
| Assets per employee ($millions) | 3.6128% | 4,792 |
| Cash dividends to net income (ytd only)* | 74.3631% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,891 |
| Loan loss allowance to noncurrent loans | 76.1057% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 2.0235% | 3,474 |
| Noncurrent loans to loans | 1.7190% | 4,165 |
| Net loans and leases to total assets | 77.5343% | 1,237 |
| Net loans and leases to deposits | 95.1063% | 1,216 |
| Net loans and leases to core deposits | 131.9241% | 440 |
| Total domestic deposits to total assets | 81.5238% | 5,261 |
| Equity capital to assets | 9.6820% | 4,258 |
| Core capital (leverage) ratio | 9.8063% | 3,388 |
| Tier 1 risk-based capital ratio | 13.9546% | 3,689 |
| Total risk-based capital ratio | 15.2075% | 3,647 |
| Memoranda: | ||
| Average total assets | $136,677,000 | 4,257 |
| Average earning assets | $120,083,000 | 4,370 |
| Average equity | $13,211,500 | 4,432 |
| Average total loans | $108,506,000 | 3,718 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5906% | 120 |
| Cost of funding earning assets | 2.6579% | 659 |
| Net interest margin | 4.9327% | 516 |
| Noninterest income to average assets | 0.7643% | 2,591 |
| Noninterest expense to average assets | 3.5003% | 2,372 |
| Loan and lease loss provision to assets | 1.1557% | 1,979 |
| Net operating income to assets | 0.4556% | 3,904 |
| Return on assets (ROA) | 0.4556% | 4,031 |
| Pretax return on assets | 0.5406% | 4,078 |
| Return on Equity (ROE) | 4.7478% | 3,775 |
| Retained earnings to average equity (ytd only) | -2.8010% | 5,657 |
| Net charge-offs to loans | 1.4761% | 1,696 |
| Credit loss provision to net charge-offs | 97.8737% | 5,692 |
| Earnings coverage of net charge-offs (x) | 1.4365% | 4,688 |
| Efficiency ratio | 67.3582% | 5,123 |
| Assets per employee ($millions) | 3.5808% | 4,824 |
| Cash dividends to net income (ytd only)* | 158.9951% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,560 |
| Loan loss allowance to noncurrent loans | 53.6061% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.4613% | 2,829 |
| Noncurrent loans to loans | 2.1721% | 3,416 |
| Net loans and leases to total assets | 79.2884% | 1,136 |
| Net loans and leases to deposits | 94.5871% | 1,517 |
| Net loans and leases to core deposits | 125.9656% | 1,513 |
| Total domestic deposits to total assets | 83.8259% | 4,113 |
| Equity capital to assets | 9.6503% | 4,216 |
| Core capital (leverage) ratio | 9.6921% | 3,472 |
| Tier 1 risk-based capital ratio | 13.2816% | 3,959 |
| Total risk-based capital ratio | 14.5322% | 3,905 |
| Memoranda: | ||
| Average total assets | $135,415,800 | 4,229 |
| Average earning assets | $121,677,000 | 4,269 |
| Average equity | $12,995,400 | 4,513 |
| Average total loans | $108,329,400 | 3,734 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6709% | 113 |
| Cost of funding earning assets | 2.7273% | 729 |
| Net interest margin | 4.9436% | 504 |
| Noninterest income to average assets | 0.7541% | 2,687 |
| Noninterest expense to average assets | 3.7411% | 1,721 |
| Loan and lease loss provision to assets | 1.2470% | 1,551 |
| Net operating income to assets | 0.1252% | 5,391 |
| Return on assets (ROA) | 0.1252% | 5,456 |
| Pretax return on assets | 0.2188% | 5,255 |
| Return on Equity (ROE) | 1.3064% | 5,406 |
| Retained earnings to average equity (ytd only) | -8.7744% | 6,683 |
| Net charge-offs to loans | 1.5032% | 1,362 |
| Credit loss provision to net charge-offs | 103.7736% | 4,903 |
| Earnings coverage of net charge-offs (x) | 1.2199% | 4,855 |
| Efficiency ratio | 71.8478% | 4,271 |
| Assets per employee ($millions) | 3.4359% | 5,083 |
| Cash dividends to net income (ytd only)* | 771.6471% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 4,897 |
| Loan loss allowance to noncurrent loans | 73.5038% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 3,702 |
| Noncurrent loans to loans | 1.6886% | 4,111 |
| Net loans and leases to total assets | 80.2188% | 1,129 |
| Net loans and leases to deposits | 96.0051% | 1,575 |
| Net loans and leases to core deposits | 126.9189% | 1,656 |
| Total domestic deposits to total assets | 83.5568% | 3,926 |
| Equity capital to assets | 9.4343% | 4,832 |
| Core capital (leverage) ratio | 9.4346% | 3,999 |
| Tier 1 risk-based capital ratio | 12.9125% | 4,256 |
| Total risk-based capital ratio | 14.1637% | 4,190 |
| Memoranda: | ||
| Average total assets | $135,252,500 | 4,244 |
| Average earning assets | $121,824,750 | 4,302 |
| Average equity | $12,961,500 | 4,547 |
| Average total loans | $108,122,250 | 3,771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6867% | 126 |
| Cost of funding earning assets | 2.7964% | 797 |
| Net interest margin | 4.8904% | 550 |
| Noninterest income to average assets | 0.7680% | 2,599 |
| Noninterest expense to average assets | 3.5955% | 2,079 |
| Loan and lease loss provision to assets | 1.2604% | 1,356 |
| Net operating income to assets | 0.2403% | 5,130 |
| Return on assets (ROA) | -0.3494% | 6,403 |
| Pretax return on assets | -0.2536% | 6,182 |
| Return on Equity (ROE) | -3.6272% | 6,439 |
| Retained earnings to average equity (ytd only) | -18.6257% | 7,411 |
| Net charge-offs to loans | 1.6240% | 1,166 |
| Credit loss provision to net charge-offs | 97.6027% | 4,686 |
| Earnings coverage of net charge-offs (x) | 1.2363% | 4,608 |
| Efficiency ratio | 69.2504% | 4,937 |
| Assets per employee ($millions) | 3.4236% | 5,015 |
| Cash dividends to net income (ytd only)* | -413.5021% | 8,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 4,987 |
| Loan loss allowance to noncurrent loans | 107.7181% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2410% | 4,455 |
| Noncurrent loans to loans | 1.1089% | 5,002 |
| Net loans and leases to total assets | 79.5461% | 1,389 |
| Net loans and leases to deposits | 96.3207% | 1,743 |
| Net loans and leases to core deposits | 127.6655% | 1,733 |
| Total domestic deposits to total assets | 82.5846% | 4,434 |
| Equity capital to assets | 9.1919% | 5,028 |
| Core capital (leverage) ratio | 9.0347% | 4,574 |
| Tier 1 risk-based capital ratio | 12.7291% | 4,333 |
| Total risk-based capital ratio | 13.9655% | 4,262 |
| Memoranda: | ||
| Average total assets | $135,669,670 | 4,266 |
| Average earning assets | $122,731,330 | 4,301 |
| Average equity | $13,068,000 | 4,525 |
| Average total loans | $107,881,330 | 3,816 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6535% | 141 |
| Cost of funding earning assets | 2.8143% | 949 |
| Net interest margin | 4.8392% | 563 |
| Noninterest income to average assets | 0.6757% | 3,030 |
| Noninterest expense to average assets | 2.5829% | 5,525 |
| Loan and lease loss provision to assets | 0.8775% | 1,495 |
| Net operating income to assets | 1.4948% | 948 |
| Return on assets (ROA) | 1.4948% | 1,019 |
| Pretax return on assets | 1.6264% | 1,342 |
| Return on Equity (ROE) | 15.1795% | 945 |
| Retained earnings to average equity (ytd only) | -1.4853% | 5,998 |
| Net charge-offs to loans | 0.3701% | 2,613 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 8.5600% | 2,177 |
| Efficiency ratio | 50.7763% | 7,532 |
| Assets per employee ($millions) | 3.5951% | 4,574 |
| Cash dividends to net income (ytd only)* | 109.7847% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 3,611 |
| Loan loss allowance to noncurrent loans | 82.4658% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 3,372 |
| Noncurrent loans to loans | 1.6746% | 3,747 |
| Net loans and leases to total assets | 78.6702% | 1,652 |
| Net loans and leases to deposits | 94.9207% | 2,119 |
| Net loans and leases to core deposits | 125.1112% | 1,989 |
| Total domestic deposits to total assets | 82.8800% | 4,204 |
| Equity capital to assets | 9.8381% | 4,198 |
| Core capital (leverage) ratio | 9.7973% | 3,637 |
| Tier 1 risk-based capital ratio | 13.4360% | 3,909 |
| Total risk-based capital ratio | 14.6896% | 3,820 |
| Memoranda: | ||
| Average total assets | $136,744,500 | 4,259 |
| Average earning assets | $124,649,000 | 4,273 |
| Average equity | $13,465,500 | 4,461 |
| Average total loans | $108,075,000 | 3,835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1234% | 163 |
| Cost of funding earning assets | 3.3226% | 865 |
| Net interest margin | 4.8008% | 780 |
| Noninterest income to average assets | 0.8970% | 1,966 |
| Noninterest expense to average assets | 2.8484% | 4,612 |
| Loan and lease loss provision to assets | 0.6029% | 2,414 |
| Net operating income to assets | 1.7132% | 663 |
| Return on assets (ROA) | 1.7132% | 633 |
| Pretax return on assets | 1.8529% | 848 |
| Return on Equity (ROE) | 16.6043% | 684 |
| Retained earnings to average equity (ytd only) | -0.3008% | 5,377 |
| Net charge-offs to loans | 0.4717% | 2,475 |
| Credit loss provision to net charge-offs | 164.2706% | 3,137 |
| Earnings coverage of net charge-offs (x) | 6.6913% | 3,300 |
| Efficiency ratio | 53.7010% | 7,302 |
| Assets per employee ($millions) | 3.5097% | 4,630 |
| Cash dividends to net income (ytd only)* | 101.8116% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 4,402 |
| Loan loss allowance to noncurrent loans | 79.8165% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.5671% | 3,105 |
| Noncurrent loans to loans | 1.5256% | 3,501 |
| Net loans and leases to total assets | 77.3446% | 2,301 |
| Net loans and leases to deposits | 93.0764% | 2,944 |
| Net loans and leases to core deposits | 122.4986% | 2,451 |
| Total domestic deposits to total assets | 83.0980% | 3,726 |
| Equity capital to assets | 9.8563% | 4,214 |
| Core capital (leverage) ratio | 10.1301% | 3,334 |
| Tier 1 risk-based capital ratio | 13.5296% | 3,808 |
| Total risk-based capital ratio | 14.7801% | 3,702 |
| Memoranda: | ||
| Average total assets | $128,880,000 | 4,313 |
| Average earning assets | $118,312,400 | 4,301 |
| Average equity | $13,297,800 | 4,498 |
| Average total loans | $100,285,000 | 3,939 |