Home > Adams County Bank > Performance and Condition Ratios
Adams County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 2,604 |
| Cost of funding earning assets | 2.0675% | 816 |
| Net interest margin | 2.6680% | 3,865 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.3600% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3596% | 1,297 |
| Return on assets (ROA) | 1.3596% | 1,271 |
| Pretax return on assets | 1.3861% | 1,667 |
| Return on Equity (ROE) | 18.5400% | 752 |
| Retained earnings to average equity (ytd only) | 18.2103% | 183 |
| Net charge-offs to loans | 0.0123% | 2,194 |
| Credit loss provision to net charge-offs | -437.5000% | 4,534 |
| Earnings coverage of net charge-offs (x) | 195.9375% | 592 |
| Efficiency ratio | 49.5250% | 4,013 |
| Assets per employee ($millions) | 16.5327% | 160 |
| Cash dividends to net income (ytd only)* | 1.7886% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 3,968 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.4600% | 2,808 |
| Net loans and leases to deposits | 102.0706% | 430 |
| Net loans and leases to core deposits | 114.8768% | 787 |
| Total domestic deposits to total assets | 59.2400% | 4,444 |
| Equity capital to assets | 8.0261% | 3,399 |
| Core capital (leverage) ratio | 10.5217% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6823% | 1,632 |
| Memoranda: | ||
| Average total assets | $226,170,000 | 2,809 |
| Average earning assets | $211,507,400 | 2,794 |
| Average equity | $16,584,000 | 3,130 |
| Average total loans | $130,393,400 | 2,856 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 2,599 |
| Cost of funding earning assets | 1.9561% | 772 |
| Net interest margin | 2.6773% | 3,908 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.0863% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5079% | 1,103 |
| Return on assets (ROA) | 1.5079% | 1,094 |
| Pretax return on assets | 1.5334% | 1,499 |
| Return on Equity (ROE) | 21.0800% | 633 |
| Retained earnings to average equity (ytd only) | 21.0367% | 228 |
| Net charge-offs to loans | 0.0167% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 161.6250% | 699 |
| Efficiency ratio | 41.4667% | 4,318 |
| Assets per employee ($millions) | 17.1708% | 140 |
| Cash dividends to net income (ytd only)* | 0.1966% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 3,769 |
| Loan loss allowance to noncurrent loans | 4,784.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,744 |
| Noncurrent loans to loans | 0.0186% | 3,638 |
| Net loans and leases to total assets | 59.8100% | 2,865 |
| Net loans and leases to deposits | 97.2936% | 654 |
| Net loans and leases to core deposits | 108.9757% | 911 |
| Total domestic deposits to total assets | 61.4800% | 4,450 |
| Equity capital to assets | 7.5795% | 3,306 |
| Core capital (leverage) ratio | 10.5807% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9721% | 1,576 |
| Memoranda: | ||
| Average total assets | $224,848,000 | 2,830 |
| Average earning assets | $210,757,500 | 2,811 |
| Average equity | $16,085,750 | 3,161 |
| Average total loans | $127,722,500 | 2,880 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 2,558 |
| Cost of funding earning assets | 1.8576% | 662 |
| Net interest margin | 2.6790% | 4,002 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.1003% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4970% | 1,105 |
| Return on assets (ROA) | 1.4970% | 1,104 |
| Pretax return on assets | 1.5227% | 1,551 |
| Return on Equity (ROE) | 21.3400% | 595 |
| Retained earnings to average equity (ytd only) | 21.3436% | 207 |
| Net charge-offs to loans | 0.0175% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 734 |
| Efficiency ratio | 41.9486% | 4,339 |
| Assets per employee ($millions) | 16.9772% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,613 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.6500% | 3,073 |
| Net loans and leases to deposits | 88.6032% | 1,292 |
| Net loans and leases to core deposits | 98.4931% | 1,316 |
| Total domestic deposits to total assets | 63.9400% | 4,454 |
| Equity capital to assets | 7.4575% | 3,545 |
| Core capital (leverage) ratio | 9.9626% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0663% | 1,558 |
| Memoranda: | ||
| Average total assets | $225,390,333 | 2,833 |
| Average earning assets | $211,351,333 | 2,816 |
| Average equity | $15,808,000 | 3,203 |
| Average total loans | $125,392,333 | 2,894 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 2,510 |
| Cost of funding earning assets | 1.6924% | 586 |
| Net interest margin | 2.7251% | 4,041 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.0679% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5632% | 1,052 |
| Return on assets (ROA) | 1.5632% | 1,046 |
| Pretax return on assets | 1.5878% | 1,492 |
| Return on Equity (ROE) | 22.9900% | 508 |
| Retained earnings to average equity (ytd only) | 22.9937% | 243 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.2116% | 4,445 |
| Assets per employee ($millions) | 17.6345% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,236 |
| Loan loss allowance to noncurrent loans | 12,120.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,864 |
| Noncurrent loans to loans | 0.0088% | 3,766 |
| Net loans and leases to total assets | 49.1500% | 3,553 |
| Net loans and leases to deposits | 75.1158% | 2,191 |
| Net loans and leases to core deposits | 81.9567% | 2,118 |
| Total domestic deposits to total assets | 65.4300% | 4,494 |
| Equity capital to assets | 6.9959% | 3,833 |
| Core capital (leverage) ratio | 9.4360% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2085% | 1,572 |
| Memoranda: | ||
| Average total assets | $227,734,000 | 2,852 |
| Average earning assets | $213,420,000 | 2,834 |
| Average equity | $15,482,500 | 3,265 |
| Average total loans | $124,970,500 | 2,934 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 2,417 |
| Cost of funding earning assets | 1.2354% | 63 |
| Net interest margin | 2.5095% | 4,283 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.2429% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3374% | 1,319 |
| Return on assets (ROA) | 1.3374% | 1,278 |
| Pretax return on assets | 1.3575% | 1,914 |
| Return on Equity (ROE) | 19.9500% | 486 |
| Retained earnings to average equity (ytd only) | 10.8158% | 929 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.7961% | 4,251 |
| Assets per employee ($millions) | 17.4015% | 133 |
| Cash dividends to net income (ytd only)* | 45.7965% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 3,810 |
| Loan loss allowance to noncurrent loans | 10,100.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,866 |
| Noncurrent loans to loans | 0.0088% | 3,795 |
| Net loans and leases to total assets | 59.6000% | 2,676 |
| Net loans and leases to deposits | 97.9571% | 527 |
| Net loans and leases to core deposits | 104.7570% | 797 |
| Total domestic deposits to total assets | 60.8500% | 4,574 |
| Equity capital to assets | 6.5984% | 3,864 |
| Core capital (leverage) ratio | 9.2934% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1796% | 2,297 |
| Memoranda: | ||
| Average total assets | $228,584,000 | 2,849 |
| Average earning assets | $214,587,400 | 2,832 |
| Average equity | $15,320,200 | 3,341 |
| Average total loans | $129,272,000 | 2,835 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 2,483 |
| Cost of funding earning assets | 1.1573% | 29 |
| Net interest margin | 2.3863% | 4,344 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 0.9995% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3276% | 1,275 |
| Return on assets (ROA) | 1.3276% | 1,246 |
| Pretax return on assets | 1.3422% | 1,911 |
| Return on Equity (ROE) | 19.7300% | 460 |
| Retained earnings to average equity (ytd only) | 7.6270% | 2,139 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.6832% | 4,505 |
| Assets per employee ($millions) | 17.6033% | 133 |
| Cash dividends to net income (ytd only)* | 61.3497% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 3,931 |
| Loan loss allowance to noncurrent loans | 24,240.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,006 |
| Noncurrent loans to loans | 0.0036% | 3,937 |
| Net loans and leases to total assets | 59.9800% | 2,503 |
| Net loans and leases to deposits | 98.4655% | 432 |
| Net loans and leases to core deposits | 105.5596% | 598 |
| Total domestic deposits to total assets | 60.9100% | 4,618 |
| Equity capital to assets | 5.9268% | 3,990 |
| Core capital (leverage) ratio | 8.7589% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6013% | 2,621 |
| Memoranda: | ||
| Average total assets | $229,175,000 | 2,866 |
| Average earning assets | $215,667,500 | 2,839 |
| Average equity | $15,418,500 | 3,371 |
| Average total loans | $127,577,500 | 2,850 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 2,719 |
| Cost of funding earning assets | 1.1250% | 20 |
| Net interest margin | 2.1814% | 4,454 |
| Noninterest income to average assets | 0.0951% | 4,507 |
| Noninterest expense to average assets | 1.0179% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1209% | 1,700 |
| Return on assets (ROA) | 1.1209% | 1,676 |
| Pretax return on assets | 1.1305% | 2,301 |
| Return on Equity (ROE) | 16.0254% | 694 |
| Retained earnings to average equity (ytd only) | -0.8106% | 4,280 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3812% | 4,379 |
| Assets per employee ($millions) | 17.7255% | 126 |
| Cash dividends to net income (ytd only)* | 105.0584% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 3,861 |
| Loan loss allowance to noncurrent loans | 4,328.5714% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,905 |
| Noncurrent loans to loans | 0.0215% | 3,802 |
| Net loans and leases to total assets | 55.8954% | 2,772 |
| Net loans and leases to deposits | 86.8903% | 916 |
| Net loans and leases to core deposits | 94.3618% | 897 |
| Total domestic deposits to total assets | 64.3287% | 4,667 |
| Equity capital to assets | 5.8065% | 4,270 |
| Core capital (leverage) ratio | 8.0660% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8140% | 2,563 |
| Memoranda: | ||
| Average total assets | $229,285,667 | 2,892 |
| Average earning assets | $215,821,000 | 2,879 |
| Average equity | $16,037,000 | 3,405 |
| Average total loans | $123,947,000 | 2,904 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1152% | 2,934 |
| Cost of funding earning assets | 1.0830% | 24 |
| Net interest margin | 2.0321% | 4,490 |
| Noninterest income to average assets | 0.0892% | 4,546 |
| Noninterest expense to average assets | 0.9951% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0091% | 1,842 |
| Return on assets (ROA) | 1.0091% | 1,837 |
| Pretax return on assets | 1.0039% | 2,429 |
| Return on Equity (ROE) | 13.2907% | 980 |
| Retained earnings to average equity (ytd only) | -15.5020% | 4,649 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7813% | 4,320 |
| Assets per employee ($millions) | 18.1606% | 129 |
| Cash dividends to net income (ytd only)* | 216.6378% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,608 |
| Loan loss allowance to noncurrent loans | 808.0000% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,425 |
| Noncurrent loans to loans | 0.1268% | 3,183 |
| Net loans and leases to total assets | 49.5769% | 3,217 |
| Net loans and leases to deposits | 76.7468% | 1,384 |
| Net loans and leases to core deposits | 83.1350% | 1,289 |
| Total domestic deposits to total assets | 64.5979% | 4,705 |
| Equity capital to assets | 6.6386% | 4,370 |
| Core capital (leverage) ratio | 7.9434% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8277% | 2,666 |
| Memoranda: | ||
| Average total assets | $228,712,500 | 2,907 |
| Average earning assets | $214,949,500 | 2,897 |
| Average equity | $17,365,500 | 3,371 |
| Average total loans | $120,914,000 | 2,936 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5740% | 2,455 |
| Cost of funding earning assets | 1.1987% | 30 |
| Net interest margin | 2.3753% | 4,349 |
| Noninterest income to average assets | 0.2556% | 3,848 |
| Noninterest expense to average assets | 1.3338% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1262% | 2,186 |
| Return on assets (ROA) | 1.1262% | 2,244 |
| Pretax return on assets | 1.1515% | 2,815 |
| Return on Equity (ROE) | 12.5461% | 1,633 |
| Retained earnings to average equity (ytd only) | -0.1832% | 4,516 |
| Net charge-offs to loans | -0.0009% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6673% | 3,965 |
| Assets per employee ($millions) | 17.0259% | 152 |
| Cash dividends to net income (ytd only)* | 101.4602% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,823 |
| Loan loss allowance to noncurrent loans | 1,808.9552% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,819 |
| Noncurrent loans to loans | 0.0542% | 3,691 |
| Net loans and leases to total assets | 55.2818% | 2,703 |
| Net loans and leases to deposits | 90.7768% | 534 |
| Net loans and leases to core deposits | 100.2088% | 527 |
| Total domestic deposits to total assets | 60.8985% | 4,765 |
| Equity capital to assets | 8.6104% | 3,980 |
| Core capital (leverage) ratio | 8.8397% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2952% | 2,532 |
| Memoranda: | ||
| Average total assets | $212,847,400 | 2,961 |
| Average earning assets | $199,803,200 | 2,955 |
| Average equity | $19,105,600 | 3,292 |
| Average total loans | $112,702,400 | 3,031 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 2,456 |
| Cost of funding earning assets | 1.2157% | 32 |
| Net interest margin | 2.4221% | 4,373 |
| Noninterest income to average assets | 0.1082% | 4,636 |
| Noninterest expense to average assets | 1.0636% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2964% | 1,840 |
| Return on assets (ROA) | 1.2964% | 1,898 |
| Pretax return on assets | 1.3237% | 2,560 |
| Return on Equity (ROE) | 14.2902% | 1,316 |
| Retained earnings to average equity (ytd only) | -2.6711% | 4,728 |
| Net charge-offs to loans | -0.0012% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5534% | 4,561 |
| Assets per employee ($millions) | 17.6901% | 135 |
| Cash dividends to net income (ytd only)* | 118.6920% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,783 |
| Loan loss allowance to noncurrent loans | 1,893.7500% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,967 |
| Noncurrent loans to loans | 0.0537% | 3,838 |
| Net loans and leases to total assets | 55.5452% | 2,781 |
| Net loans and leases to deposits | 89.5260% | 632 |
| Net loans and leases to core deposits | 98.4495% | 645 |
| Total domestic deposits to total assets | 62.0437% | 4,826 |
| Equity capital to assets | 9.0112% | 3,822 |
| Core capital (leverage) ratio | 8.7688% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6139% | 2,500 |
| Memoranda: | ||
| Average total assets | $210,725,000 | 3,010 |
| Average earning assets | $198,281,750 | 3,001 |
| Average equity | $19,117,500 | 3,332 |
| Average total loans | $109,985,250 | 3,117 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 2,060 |
| Cost of funding earning assets | 1.2225% | 40 |
| Net interest margin | 2.5794% | 4,198 |
| Noninterest income to average assets | 0.1123% | 4,639 |
| Noninterest expense to average assets | 1.0723% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4395% | 1,451 |
| Return on assets (ROA) | 1.4395% | 1,518 |
| Pretax return on assets | 1.4671% | 2,117 |
| Return on Equity (ROE) | 15.8316% | 986 |
| Retained earnings to average equity (ytd only) | -9.0930% | 4,858 |
| Net charge-offs to loans | -0.0019% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2256% | 4,691 |
| Assets per employee ($millions) | 16.6138% | 156 |
| Cash dividends to net income (ytd only)* | 157.4356% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,419 |
| Loan loss allowance to noncurrent loans | 1,249.4845% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,954 |
| Noncurrent loans to loans | 0.0880% | 3,742 |
| Net loans and leases to total assets | 50.4794% | 3,505 |
| Net loans and leases to deposits | 80.4055% | 1,394 |
| Net loans and leases to core deposits | 86.9037% | 1,352 |
| Total domestic deposits to total assets | 62.7811% | 4,852 |
| Equity capital to assets | 8.5930% | 4,137 |
| Core capital (leverage) ratio | 8.5083% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1993% | 2,290 |
| Memoranda: | ||
| Average total assets | $210,206,333 | 3,010 |
| Average earning assets | $197,797,333 | 3,000 |
| Average equity | $19,113,667 | 3,328 |
| Average total loans | $106,939,000 | 3,169 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 1,701 |
| Cost of funding earning assets | 1.2625% | 43 |
| Net interest margin | 2.6893% | 3,990 |
| Noninterest income to average assets | 0.1080% | 4,647 |
| Noninterest expense to average assets | 1.1711% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4374% | 1,476 |
| Return on assets (ROA) | 1.4374% | 1,550 |
| Pretax return on assets | 1.4644% | 2,090 |
| Return on Equity (ROE) | 15.3680% | 1,143 |
| Retained earnings to average equity (ytd only) | -9.3858% | 4,806 |
| Net charge-offs to loans | -0.0038% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4363% | 4,554 |
| Assets per employee ($millions) | 16.2761% | 156 |
| Cash dividends to net income (ytd only)* | 161.0738% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,062 |
| Loan loss allowance to noncurrent loans | 88.9215% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 1,473 |
| Noncurrent loans to loans | 1.3216% | 984 |
| Net loans and leases to total assets | 48.1689% | 3,800 |
| Net loans and leases to deposits | 76.8772% | 1,814 |
| Net loans and leases to core deposits | 82.7306% | 1,779 |
| Total domestic deposits to total assets | 62.6568% | 4,869 |
| Equity capital to assets | 8.9352% | 3,745 |
| Core capital (leverage) ratio | 8.8194% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,320,000 | 3,023 |
| Average earning assets | $194,848,000 | 3,018 |
| Average equity | $19,391,000 | 3,291 |
| Average total loans | $105,290,000 | 3,197 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 2,972 |
| Cost of funding earning assets | 1.4881% | 89 |
| Net interest margin | 2.4325% | 4,637 |
| Noninterest income to average assets | 0.2954% | 3,718 |
| Noninterest expense to average assets | 1.3169% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2251% | 1,464 |
| Return on assets (ROA) | 1.2251% | 1,577 |
| Pretax return on assets | 1.2544% | 2,140 |
| Return on Equity (ROE) | 12.8394% | 1,080 |
| Retained earnings to average equity (ytd only) | 6.1214% | 1,743 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2166% | 4,451 |
| Assets per employee ($millions) | 15.6193% | 160 |
| Cash dividends to net income (ytd only)* | 52.3231% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,320 |
| Loan loss allowance to noncurrent loans | 100.6650% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 1,778 |
| Noncurrent loans to loans | 1.1196% | 1,267 |
| Net loans and leases to total assets | 52.3204% | 3,638 |
| Net loans and leases to deposits | 83.0515% | 1,541 |
| Net loans and leases to core deposits | 95.3559% | 1,156 |
| Total domestic deposits to total assets | 62.9975% | 4,889 |
| Equity capital to assets | 9.7887% | 3,329 |
| Core capital (leverage) ratio | 9.4493% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,999,600 | 2,983 |
| Average earning assets | $182,444,600 | 2,978 |
| Average equity | $18,606,800 | 3,313 |
| Average total loans | $112,681,600 | 3,059 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 2,662 |
| Cost of funding earning assets | 1.5089% | 118 |
| Net interest margin | 2.5961% | 4,573 |
| Noninterest income to average assets | 0.1202% | 4,683 |
| Noninterest expense to average assets | 1.1531% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3748% | 1,168 |
| Return on assets (ROA) | 1.3748% | 1,261 |
| Pretax return on assets | 1.4004% | 1,727 |
| Return on Equity (ROE) | 14.5071% | 792 |
| Retained earnings to average equity (ytd only) | 5.3946% | 2,381 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1569% | 4,749 |
| Assets per employee ($millions) | 14.4489% | 184 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,699 |
| Loan loss allowance to noncurrent loans | 100.5814% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 1,945 |
| Noncurrent loans to loans | 0.9957% | 1,504 |
| Net loans and leases to total assets | 59.1812% | 3,308 |
| Net loans and leases to deposits | 97.4362% | 662 |
| Net loans and leases to core deposits | 111.4832% | 650 |
| Total domestic deposits to total assets | 60.7384% | 4,923 |
| Equity capital to assets | 9.5905% | 3,616 |
| Core capital (leverage) ratio | 9.4229% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,986,750 | 2,978 |
| Average earning assets | $180,882,500 | 2,972 |
| Average equity | $18,289,500 | 3,342 |
| Average total loans | $113,990,000 | 3,056 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,784 |
| Cost of funding earning assets | 1.5435% | 145 |
| Net interest margin | 2.6511% | 4,609 |
| Noninterest income to average assets | 0.1138% | 4,725 |
| Noninterest expense to average assets | 1.1565% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4166% | 1,079 |
| Return on assets (ROA) | 1.4166% | 1,170 |
| Pretax return on assets | 1.4430% | 1,606 |
| Return on Equity (ROE) | 15.0117% | 705 |
| Retained earnings to average equity (ytd only) | 2.7345% | 3,486 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4895% | 4,792 |
| Assets per employee ($millions) | 14.0495% | 198 |
| Cash dividends to net income (ytd only)* | 81.7844% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,504 |
| Loan loss allowance to noncurrent loans | 96.6480% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 1,906 |
| Noncurrent loans to loans | 1.0489% | 1,486 |
| Net loans and leases to total assets | 60.1175% | 3,311 |
| Net loans and leases to deposits | 95.0355% | 872 |
| Net loans and leases to core deposits | 107.5736% | 834 |
| Total domestic deposits to total assets | 63.2580% | 4,929 |
| Equity capital to assets | 9.5545% | 3,608 |
| Core capital (leverage) ratio | 9.3144% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,887,667 | 2,989 |
| Average earning assets | $178,037,667 | 2,975 |
| Average equity | $17,919,333 | 3,370 |
| Average total loans | $111,678,333 | 3,076 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,402 |
| Cost of funding earning assets | 1.6014% | 190 |
| Net interest margin | 2.5384% | 4,800 |
| Noninterest income to average assets | 0.1051% | 4,803 |
| Noninterest expense to average assets | 1.1368% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3191% | 1,188 |
| Return on assets (ROA) | 1.3191% | 1,283 |
| Pretax return on assets | 1.3449% | 1,734 |
| Return on Equity (ROE) | 14.0712% | 686 |
| Retained earnings to average equity (ytd only) | -11.0968% | 4,798 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8081% | 4,838 |
| Assets per employee ($millions) | 13.4077% | 175 |
| Cash dividends to net income (ytd only)* | 178.8618% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,017 |
| Loan loss allowance to noncurrent loans | 81.2207% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 1,704 |
| Noncurrent loans to loans | 1.3974% | 1,142 |
| Net loans and leases to total assets | 56.1958% | 3,825 |
| Net loans and leases to deposits | 89.5230% | 1,568 |
| Net loans and leases to core deposits | 100.1681% | 1,455 |
| Total domestic deposits to total assets | 62.7725% | 5,007 |
| Equity capital to assets | 9.0822% | 4,550 |
| Core capital (leverage) ratio | 9.5388% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,485,000 | 2,991 |
| Average earning assets | $174,600,500 | 2,970 |
| Average equity | $17,482,500 | 3,422 |
| Average total loans | $107,788,500 | 3,111 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 2,796 |
| Cost of funding earning assets | 1.6738% | 215 |
| Net interest margin | 2.8710% | 4,683 |
| Noninterest income to average assets | 0.2457% | 4,212 |
| Noninterest expense to average assets | 1.4076% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5066% | 1,036 |
| Return on assets (ROA) | 1.5066% | 1,103 |
| Pretax return on assets | 1.5348% | 1,700 |
| Return on Equity (ROE) | 15.7855% | 567 |
| Retained earnings to average equity (ytd only) | 10.6604% | 378 |
| Net charge-offs to loans | -0.0019% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8388% | 4,838 |
| Assets per employee ($millions) | 13.2330% | 175 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 2,876 |
| Loan loss allowance to noncurrent loans | 251.2448% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 3,391 |
| Noncurrent loans to loans | 0.4427% | 2,858 |
| Net loans and leases to total assets | 58.1182% | 3,761 |
| Net loans and leases to deposits | 96.9974% | 840 |
| Net loans and leases to core deposits | 109.2397% | 897 |
| Total domestic deposits to total assets | 59.9173% | 5,088 |
| Equity capital to assets | 9.6712% | 4,205 |
| Core capital (leverage) ratio | 9.8656% | 3,656 |
| Tier 1 risk-based capital ratio | 13.5919% | 3,464 |
| Total risk-based capital ratio | 14.5077% | 3,533 |
| Memoranda: | ||
| Average total assets | $173,767,600 | 3,074 |
| Average earning assets | $163,219,400 | 3,055 |
| Average equity | $16,584,800 | 3,486 |
| Average total loans | $106,265,200 | 3,140 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 2,762 |
| Cost of funding earning assets | 1.6477% | 248 |
| Net interest margin | 2.9399% | 4,707 |
| Noninterest income to average assets | 0.1264% | 4,896 |
| Noninterest expense to average assets | 1.2990% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5705% | 992 |
| Return on assets (ROA) | 1.5705% | 1,049 |
| Pretax return on assets | 1.5947% | 1,656 |
| Return on Equity (ROE) | 16.5147% | 535 |
| Retained earnings to average equity (ytd only) | 9.5413% | 885 |
| Net charge-offs to loans | -0.0025% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8908% | 4,979 |
| Assets per employee ($millions) | 13.8285% | 149 |
| Cash dividends to net income (ytd only)* | 42.2258% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,130 |
| Loan loss allowance to noncurrent loans | 547.9638% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,114 |
| Noncurrent loans to loans | 0.1972% | 3,830 |
| Net loans and leases to total assets | 61.6682% | 3,526 |
| Net loans and leases to deposits | 104.0831% | 409 |
| Net loans and leases to core deposits | 118.0968% | 595 |
| Total domestic deposits to total assets | 59.2490% | 5,167 |
| Equity capital to assets | 9.6217% | 4,366 |
| Core capital (leverage) ratio | 9.8259% | 3,819 |
| Tier 1 risk-based capital ratio | 13.1245% | 3,782 |
| Total risk-based capital ratio | 14.0396% | 3,855 |
| Memoranda: | ||
| Average total assets | $170,894,000 | 3,136 |
| Average earning assets | $160,864,250 | 3,106 |
| Average equity | $16,251,750 | 3,553 |
| Average total loans | $105,611,000 | 3,185 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 2,684 |
| Cost of funding earning assets | 1.5955% | 278 |
| Net interest margin | 3.0025% | 4,681 |
| Noninterest income to average assets | 0.1262% | 4,941 |
| Noninterest expense to average assets | 1.3243% | 5,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6030% | 907 |
| Return on assets (ROA) | 1.6030% | 946 |
| Pretax return on assets | 1.6280% | 1,462 |
| Return on Equity (ROE) | 16.9273% | 476 |
| Retained earnings to average equity (ytd only) | 7.4953% | 1,600 |
| Net charge-offs to loans | -0.0019% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8568% | 5,035 |
| Assets per employee ($millions) | 12.2609% | 188 |
| Cash dividends to net income (ytd only)* | 55.7207% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,924 |
| Loan loss allowance to noncurrent loans | 502.0747% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,060 |
| Noncurrent loans to loans | 0.2244% | 3,735 |
| Net loans and leases to total assets | 61.8513% | 3,555 |
| Net loans and leases to deposits | 101.2406% | 592 |
| Net loans and leases to core deposits | 114.7165% | 746 |
| Total domestic deposits to total assets | 61.0934% | 5,203 |
| Equity capital to assets | 9.6690% | 4,256 |
| Core capital (leverage) ratio | 9.9232% | 3,673 |
| Tier 1 risk-based capital ratio | 13.3008% | 3,690 |
| Total risk-based capital ratio | 14.2587% | 3,738 |
| Memoranda: | ||
| Average total assets | $167,935,330 | 3,176 |
| Average earning assets | $158,066,670 | 3,152 |
| Average equity | $15,903,330 | 3,591 |
| Average total loans | $103,457,330 | 3,232 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 3,396 |
| Cost of funding earning assets | 1.4737% | 354 |
| Net interest margin | 2.8781% | 4,905 |
| Noninterest income to average assets | 0.1204% | 5,013 |
| Noninterest expense to average assets | 1.3247% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4764% | 1,162 |
| Return on assets (ROA) | 1.4764% | 1,188 |
| Pretax return on assets | 1.5005% | 1,768 |
| Return on Equity (ROE) | 15.7619% | 624 |
| Retained earnings to average equity (ytd only) | 1.6199% | 4,163 |
| Net charge-offs to loans | -0.0039% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8883% | 4,988 |
| Assets per employee ($millions) | 11.8164% | 214 |
| Cash dividends to net income (ytd only)* | 89.7227% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,628 |
| Loan loss allowance to noncurrent loans | 1,635.1351% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,607 |
| Noncurrent loans to loans | 0.0729% | 4,433 |
| Net loans and leases to total assets | 60.6516% | 3,644 |
| Net loans and leases to deposits | 103.9547% | 394 |
| Net loans and leases to core deposits | 109.4821% | 962 |
| Total domestic deposits to total assets | 58.3443% | 5,290 |
| Equity capital to assets | 9.4940% | 4,264 |
| Core capital (leverage) ratio | 10.0550% | 3,539 |
| Tier 1 risk-based capital ratio | 13.4260% | 3,652 |
| Total risk-based capital ratio | 14.4246% | 3,699 |
| Memoranda: | ||
| Average total assets | $166,077,000 | 3,227 |
| Average earning assets | $156,074,500 | 3,202 |
| Average equity | $15,556,500 | 3,639 |
| Average total loans | $101,496,500 | 3,301 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 3,649 |
| Cost of funding earning assets | 1.3908% | 150 |
| Net interest margin | 2.7398% | 5,072 |
| Noninterest income to average assets | 0.1648% | 4,900 |
| Noninterest expense to average assets | 1.5028% | 5,225 |
| Loan and lease loss provision to assets | 0.1203% | 1,837 |
| Net operating income to assets | 1.0750% | 2,696 |
| Return on assets (ROA) | 0.9956% | 3,017 |
| Pretax return on assets | 1.0257% | 3,527 |
| Return on Equity (ROE) | 11.3087% | 1,969 |
| Retained earnings to average equity (ytd only) | 5.9789% | 2,207 |
| Net charge-offs to loans | -0.0030% | 4,284 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0341% | 4,511 |
| Assets per employee ($millions) | 11.1149% | 251 |
| Cash dividends to net income (ytd only)* | 47.1299% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,617 |
| Loan loss allowance to noncurrent loans | 192.5159% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 3,048 |
| Noncurrent loans to loans | 0.6190% | 2,429 |
| Net loans and leases to total assets | 60.1221% | 3,760 |
| Net loans and leases to deposits | 96.6252% | 1,013 |
| Net loans and leases to core deposits | 104.0958% | 1,405 |
| Total domestic deposits to total assets | 62.2220% | 5,300 |
| Equity capital to assets | 9.2410% | 4,375 |
| Core capital (leverage) ratio | 9.6380% | 3,957 |
| Tier 1 risk-based capital ratio | 13.3176% | 3,652 |
| Total risk-based capital ratio | 14.3111% | 3,702 |
| Memoranda: | ||
| Average total assets | $166,224,200 | 3,205 |
| Average earning assets | $155,670,200 | 3,177 |
| Average equity | $14,634,800 | 3,681 |
| Average total loans | $98,855,400 | 3,325 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,909 |
| Cost of funding earning assets | 1.3332% | 149 |
| Net interest margin | 2.6733% | 5,183 |
| Noninterest income to average assets | 0.1381% | 5,082 |
| Noninterest expense to average assets | 1.3775% | 5,335 |
| Loan and lease loss provision to assets | 0.1605% | 1,203 |
| Net operating income to assets | 1.0772% | 2,757 |
| Return on assets (ROA) | 0.9713% | 3,228 |
| Pretax return on assets | 0.9970% | 3,727 |
| Return on Equity (ROE) | 11.1710% | 2,107 |
| Retained earnings to average equity (ytd only) | 3.9699% | 3,787 |
| Net charge-offs to loans | -0.0041% | 4,190 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0947% | 4,803 |
| Assets per employee ($millions) | 11.4086% | 223 |
| Cash dividends to net income (ytd only)* | 64.4627% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 2,863 |
| Loan loss allowance to noncurrent loans | 328.5326% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,867 |
| Noncurrent loans to loans | 0.3522% | 3,395 |
| Net loans and leases to total assets | 60.3445% | 3,807 |
| Net loans and leases to deposits | 100.4435% | 742 |
| Net loans and leases to core deposits | 108.2702% | 1,150 |
| Total domestic deposits to total assets | 60.0781% | 5,392 |
| Equity capital to assets | 8.6525% | 4,830 |
| Core capital (leverage) ratio | 9.4321% | 4,250 |
| Tier 1 risk-based capital ratio | 12.6596% | 4,106 |
| Total risk-based capital ratio | 13.6307% | 4,160 |
| Memoranda: | ||
| Average total assets | $166,099,250 | 3,232 |
| Average earning assets | $155,706,750 | 3,209 |
| Average equity | $14,441,750 | 3,729 |
| Average total loans | $98,207,500 | 3,358 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 4,217 |
| Cost of funding earning assets | 1.2726% | 134 |
| Net interest margin | 2.5764% | 5,290 |
| Noninterest income to average assets | 0.1460% | 5,095 |
| Noninterest expense to average assets | 1.3928% | 5,398 |
| Loan and lease loss provision to assets | 0.2433% | 640 |
| Net operating income to assets | 0.8903% | 3,495 |
| Return on assets (ROA) | 0.7298% | 4,105 |
| Pretax return on assets | 0.7554% | 4,376 |
| Return on Equity (ROE) | 8.3799% | 3,325 |
| Retained earnings to average equity (ytd only) | -1.6760% | 5,125 |
| Net charge-offs to loans | -0.0042% | 4,059 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4719% | 4,640 |
| Assets per employee ($millions) | 10.1973% | 297 |
| Cash dividends to net income (ytd only)* | 120.0000% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,442 |
| Loan loss allowance to noncurrent loans | 84.8911% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 1,718 |
| Noncurrent loans to loans | 1.4705% | 1,147 |
| Net loans and leases to total assets | 58.5697% | 3,941 |
| Net loans and leases to deposits | 91.0347% | 1,705 |
| Net loans and leases to core deposits | 95.5648% | 2,099 |
| Total domestic deposits to total assets | 64.3378% | 5,409 |
| Equity capital to assets | 8.7628% | 4,751 |
| Core capital (leverage) ratio | 9.4661% | 4,147 |
| Tier 1 risk-based capital ratio | 13.4169% | 3,664 |
| Total risk-based capital ratio | 14.4824% | 3,692 |
| Memoranda: | ||
| Average total assets | $164,422,670 | 3,270 |
| Average earning assets | $153,857,670 | 3,242 |
| Average equity | $14,320,000 | 3,763 |
| Average total loans | $96,118,000 | 3,410 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 4,357 |
| Cost of funding earning assets | 1.2190% | 129 |
| Net interest margin | 2.5314% | 5,373 |
| Noninterest income to average assets | 0.1163% | 5,269 |
| Noninterest expense to average assets | 1.3789% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0685% | 2,570 |
| Return on assets (ROA) | 0.7488% | 3,912 |
| Pretax return on assets | 0.7731% | 4,214 |
| Return on Equity (ROE) | 8.6244% | 3,097 |
| Retained earnings to average equity (ytd only) | -8.1220% | 5,312 |
| Net charge-offs to loans | -0.0042% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5664% | 4,639 |
| Assets per employee ($millions) | 10.0943% | 313 |
| Cash dividends to net income (ytd only)* | 194.1748% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,283 |
| Loan loss allowance to noncurrent loans | 68.3175% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 1,736 |
| Noncurrent loans to loans | 1.6338% | 1,061 |
| Net loans and leases to total assets | 55.2378% | 4,186 |
| Net loans and leases to deposits | 83.6457% | 2,428 |
| Net loans and leases to core deposits | 87.9484% | 2,634 |
| Total domestic deposits to total assets | 66.0378% | 5,463 |
| Equity capital to assets | 8.7494% | 4,782 |
| Core capital (leverage) ratio | 9.3834% | 4,210 |
| Tier 1 risk-based capital ratio | 13.2945% | 3,787 |
| Total risk-based capital ratio | 14.1847% | 3,875 |
| Memoranda: | ||
| Average total assets | $165,056,000 | 3,304 |
| Average earning assets | $154,220,000 | 3,276 |
| Average equity | $14,331,500 | 3,793 |
| Average total loans | $95,793,000 | 3,428 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,455 |
| Cost of funding earning assets | 1.0937% | 134 |
| Net interest margin | 2.8907% | 5,056 |
| Noninterest income to average assets | 0.1522% | 5,197 |
| Noninterest expense to average assets | 1.6192% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2279% | 1,434 |
| Return on assets (ROA) | 1.1508% | 1,713 |
| Pretax return on assets | 1.1668% | 2,909 |
| Return on Equity (ROE) | 14.0341% | 754 |
| Retained earnings to average equity (ytd only) | 8.1986% | 690 |
| Net charge-offs to loans | -0.0030% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5380% | 4,709 |
| Assets per employee ($millions) | 9.9178% | 327 |
| Cash dividends to net income (ytd only)* | 41.5806% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.5239% | 3,874 |
| Net loans and leases to deposits | 95.1144% | 1,166 |
| Net loans and leases to core deposits | 105.5377% | 1,292 |
| Total domestic deposits to total assets | 62.5813% | 5,565 |
| Equity capital to assets | 8.6191% | 5,018 |
| Core capital (leverage) ratio | 9.0447% | 4,592 |
| Tier 1 risk-based capital ratio | 12.4244% | 4,249 |
| Total risk-based capital ratio | 13.2463% | 4,415 |
| Memoranda: | ||
| Average total assets | $168,234,800 | 3,267 |
| Average earning assets | $157,817,400 | 3,226 |
| Average equity | $13,795,000 | 3,871 |
| Average total loans | $101,309,800 | 3,330 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,559 |
| Cost of funding earning assets | 1.0542% | 148 |
| Net interest margin | 2.8854% | 5,106 |
| Noninterest income to average assets | 0.1324% | 5,343 |
| Noninterest expense to average assets | 1.3544% | 5,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4731% | 952 |
| Return on assets (ROA) | 1.3702% | 1,171 |
| Pretax return on assets | 1.3893% | 2,150 |
| Return on Equity (ROE) | 16.9274% | 434 |
| Retained earnings to average equity (ytd only) | 9.0417% | 824 |
| Net charge-offs to loans | -0.0026% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5634% | 5,365 |
| Assets per employee ($millions) | 10.9199% | 241 |
| Cash dividends to net income (ytd only)* | 46.5858% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 4,388 |
| Loan loss allowance to noncurrent loans | 7,178.5714% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,228 |
| Noncurrent loans to loans | 0.0131% | 5,086 |
| Net loans and leases to total assets | 60.7688% | 3,786 |
| Net loans and leases to deposits | 102.1238% | 607 |
| Net loans and leases to core deposits | 113.8571% | 849 |
| Total domestic deposits to total assets | 59.5050% | 5,655 |
| Equity capital to assets | 8.2504% | 5,421 |
| Core capital (leverage) ratio | 8.7016% | 5,063 |
| Tier 1 risk-based capital ratio | 11.8407% | 4,736 |
| Total risk-based capital ratio | 12.6333% | 4,915 |
| Memoranda: | ||
| Average total assets | $168,142,750 | 3,295 |
| Average earning assets | $158,220,250 | 3,253 |
| Average equity | $13,610,750 | 3,934 |
| Average total loans | $101,296,000 | 3,360 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 3,791 |
| Cost of funding earning assets | 1.0012% | 176 |
| Net interest margin | 2.8281% | 5,205 |
| Noninterest income to average assets | 0.1470% | 5,327 |
| Noninterest expense to average assets | 1.4113% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3820% | 1,105 |
| Return on assets (ROA) | 1.2257% | 1,550 |
| Pretax return on assets | 1.2401% | 2,622 |
| Return on Equity (ROE) | 15.2443% | 625 |
| Retained earnings to average equity (ytd only) | 4.3769% | 3,100 |
| Net charge-offs to loans | -0.0040% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2360% | 5,294 |
| Assets per employee ($millions) | 10.6541% | 254 |
| Cash dividends to net income (ytd only)* | 71.2881% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 4,239 |
| Loan loss allowance to noncurrent loans | 665.5629% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,780 |
| Noncurrent loans to loans | 0.1479% | 4,519 |
| Net loans and leases to total assets | 59.2843% | 3,903 |
| Net loans and leases to deposits | 95.3360% | 1,135 |
| Net loans and leases to core deposits | 106.0464% | 1,230 |
| Total domestic deposits to total assets | 62.1846% | 5,682 |
| Equity capital to assets | 8.0462% | 5,517 |
| Core capital (leverage) ratio | 8.6613% | 5,078 |
| Tier 1 risk-based capital ratio | 11.7831% | 4,773 |
| Total risk-based capital ratio | 12.6062% | 4,938 |
| Memoranda: | ||
| Average total assets | $165,951,000 | 3,330 |
| Average earning assets | $156,216,670 | 3,289 |
| Average equity | $13,342,670 | 3,991 |
| Average total loans | $99,335,000 | 3,410 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 4,081 |
| Cost of funding earning assets | 0.9370% | 228 |
| Net interest margin | 2.7746% | 5,294 |
| Noninterest income to average assets | 0.1491% | 5,371 |
| Noninterest expense to average assets | 1.4319% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3318% | 1,162 |
| Return on assets (ROA) | 1.0116% | 2,312 |
| Pretax return on assets | 1.0092% | 3,325 |
| Return on Equity (ROE) | 12.5874% | 1,089 |
| Retained earnings to average equity (ytd only) | -5.0471% | 5,385 |
| Net charge-offs to loans | -0.0041% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4071% | 5,719 |
| Assets per employee ($millions) | 9.9819% | 309 |
| Cash dividends to net income (ytd only)* | 140.0966% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,008 |
| Loan loss allowance to noncurrent loans | 647.7419% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 4,808 |
| Noncurrent loans to loans | 0.1612% | 4,541 |
| Net loans and leases to total assets | 59.5895% | 3,825 |
| Net loans and leases to deposits | 86.5120% | 1,975 |
| Net loans and leases to core deposits | 95.6137% | 1,846 |
| Total domestic deposits to total assets | 68.8800% | 5,660 |
| Equity capital to assets | 8.2436% | 5,389 |
| Core capital (leverage) ratio | 8.7162% | 5,029 |
| Tier 1 risk-based capital ratio | 12.0193% | 4,702 |
| Total risk-based capital ratio | 12.8858% | 4,849 |
| Memoranda: | ||
| Average total assets | $163,694,000 | 3,387 |
| Average earning assets | $154,114,500 | 3,348 |
| Average equity | $13,156,000 | 4,035 |
| Average total loans | $97,970,500 | 3,455 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 4,452 |
| Cost of funding earning assets | 0.8218% | 451 |
| Net interest margin | 2.8020% | 5,282 |
| Noninterest income to average assets | 0.1550% | 5,435 |
| Noninterest expense to average assets | 1.6273% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1320% | 1,763 |
| Return on assets (ROA) | 1.1320% | 1,858 |
| Pretax return on assets | 1.1628% | 2,841 |
| Return on Equity (ROE) | 14.8911% | 642 |
| Retained earnings to average equity (ytd only) | 7.6985% | 962 |
| Net charge-offs to loans | -0.0020% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3245% | 4,814 |
| Assets per employee ($millions) | 10.4798% | 268 |
| Cash dividends to net income (ytd only)* | 48.3011% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 4,290 |
| Loan loss allowance to noncurrent loans | 545.1087% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 4,871 |
| Noncurrent loans to loans | 0.1844% | 4,500 |
| Net loans and leases to total assets | 58.9007% | 3,974 |
| Net loans and leases to deposits | 87.2226% | 2,022 |
| Net loans and leases to core deposits | 104.2970% | 1,259 |
| Total domestic deposits to total assets | 67.5292% | 5,729 |
| Equity capital to assets | 7.8401% | 5,625 |
| Core capital (leverage) ratio | 8.4506% | 5,316 |
| Tier 1 risk-based capital ratio | 11.5986% | 4,987 |
| Total risk-based capital ratio | 12.4313% | 5,129 |
| Memoranda: | ||
| Average total assets | $168,987,000 | 3,296 |
| Average earning assets | $158,923,200 | 3,253 |
| Average equity | $12,846,600 | 4,113 |
| Average total loans | $100,571,400 | 3,373 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6179% | 4,496 |
| Cost of funding earning assets | 0.8125% | 470 |
| Net interest margin | 2.8054% | 5,350 |
| Noninterest income to average assets | 0.1228% | 5,631 |
| Noninterest expense to average assets | 1.3796% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3552% | 1,157 |
| Return on assets (ROA) | 1.3552% | 1,234 |
| Pretax return on assets | 1.3859% | 2,094 |
| Return on Equity (ROE) | 17.9663% | 361 |
| Retained earnings to average equity (ytd only) | 8.3202% | 1,038 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8861% | 5,507 |
| Assets per employee ($millions) | 10.6293% | 241 |
| Cash dividends to net income (ytd only)* | 53.6897% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,647 |
| Loan loss allowance to noncurrent loans | 191.3958% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 4,177 |
| Noncurrent loans to loans | 0.4982% | 3,511 |
| Net loans and leases to total assets | 61.1422% | 3,726 |
| Net loans and leases to deposits | 94.2687% | 1,238 |
| Net loans and leases to core deposits | 112.9132% | 770 |
| Total domestic deposits to total assets | 64.8596% | 5,838 |
| Equity capital to assets | 7.8815% | 5,775 |
| Core capital (leverage) ratio | 8.2888% | 5,507 |
| Tier 1 risk-based capital ratio | 11.1989% | 5,254 |
| Total risk-based capital ratio | 12.0080% | 5,405 |
| Memoranda: | ||
| Average total assets | $169,314,500 | 3,310 |
| Average earning assets | $159,498,000 | 3,261 |
| Average equity | $12,771,750 | 4,164 |
| Average total loans | $100,772,750 | 3,381 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 4,648 |
| Cost of funding earning assets | 0.7981% | 500 |
| Net interest margin | 2.7826% | 5,454 |
| Noninterest income to average assets | 0.1230% | 5,695 |
| Noninterest expense to average assets | 1.3735% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3380% | 1,192 |
| Return on assets (ROA) | 1.3380% | 1,266 |
| Pretax return on assets | 1.3687% | 2,136 |
| Return on Equity (ROE) | 18.0081% | 356 |
| Retained earnings to average equity (ytd only) | 4.8881% | 2,802 |
| Net charge-offs to loans | 0.0020% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,157.0000% | 41 |
| Efficiency ratio | 50.0863% | 5,554 |
| Assets per employee ($millions) | 10.3906% | 248 |
| Cash dividends to net income (ytd only)* | 72.8559% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 4,478 |
| Loan loss allowance to noncurrent loans | 184.8429% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 4,196 |
| Noncurrent loans to loans | 0.5446% | 3,435 |
| Net loans and leases to total assets | 59.1501% | 3,993 |
| Net loans and leases to deposits | 90.2414% | 1,728 |
| Net loans and leases to core deposits | 110.1704% | 927 |
| Total domestic deposits to total assets | 65.5465% | 5,901 |
| Equity capital to assets | 7.7414% | 5,871 |
| Core capital (leverage) ratio | 8.0348% | 5,707 |
| Tier 1 risk-based capital ratio | 11.3184% | 5,269 |
| Total risk-based capital ratio | 12.1642% | 5,390 |
| Memoranda: | ||
| Average total assets | $169,063,000 | 3,322 |
| Average earning assets | $159,132,000 | 3,281 |
| Average equity | $12,561,000 | 4,221 |
| Average total loans | $99,368,670 | 3,419 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 4,568 |
| Cost of funding earning assets | 0.7714% | 575 |
| Net interest margin | 2.8484% | 5,397 |
| Noninterest income to average assets | 0.1079% | 5,797 |
| Noninterest expense to average assets | 1.3281% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4266% | 992 |
| Return on assets (ROA) | 1.4266% | 1,037 |
| Pretax return on assets | 1.4572% | 1,729 |
| Return on Equity (ROE) | 19.6026% | 266 |
| Retained earnings to average equity (ytd only) | -0.5159% | 5,203 |
| Net charge-offs to loans | 0.0241% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 527 |
| Efficiency ratio | 47.6832% | 5,737 |
| Assets per employee ($millions) | 10.9934% | 205 |
| Cash dividends to net income (ytd only)* | 102.6316% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 4,420 |
| Loan loss allowance to noncurrent loans | 130.2356% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 3,737 |
| Noncurrent loans to loans | 0.7943% | 2,850 |
| Net loans and leases to total assets | 57.7255% | 4,073 |
| Net loans and leases to deposits | 90.7522% | 1,490 |
| Net loans and leases to core deposits | 102.1330% | 1,324 |
| Total domestic deposits to total assets | 63.6079% | 6,005 |
| Equity capital to assets | 7.5567% | 5,938 |
| Core capital (leverage) ratio | 7.8117% | 5,848 |
| Tier 1 risk-based capital ratio | 11.2567% | 5,368 |
| Total risk-based capital ratio | 12.1164% | 5,474 |
| Memoranda: | ||
| Average total assets | $170,469,500 | 3,318 |
| Average earning assets | $160,231,000 | 3,280 |
| Average equity | $12,406,500 | 4,263 |
| Average total loans | $99,384,500 | 3,432 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,750 |
| Cost of funding earning assets | 0.7671% | 590 |
| Net interest margin | 2.8029% | 5,505 |
| Noninterest income to average assets | 0.1734% | 5,548 |
| Noninterest expense to average assets | 1.5611% | 5,943 |
| Loan and lease loss provision to assets | 0.0297% | 3,778 |
| Net operating income to assets | 1.1906% | 1,586 |
| Return on assets (ROA) | 1.1953% | 1,638 |
| Pretax return on assets | 1.2256% | 2,571 |
| Return on Equity (ROE) | 16.9015% | 463 |
| Retained earnings to average equity (ytd only) | 5.3651% | 2,161 |
| Net charge-offs to loans | 0.0021% | 4,405 |
| Credit loss provision to net charge-offs | 2,500.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 1,053.0000% | 52 |
| Efficiency ratio | 55.5227% | 5,393 |
| Assets per employee ($millions) | 11.7359% | 163 |
| Cash dividends to net income (ytd only)* | 68.2563% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 4,736 |
| Loan loss allowance to noncurrent loans | 926.8519% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 5,409 |
| Noncurrent loans to loans | 0.1053% | 5,080 |
| Net loans and leases to total assets | 57.7052% | 4,123 |
| Net loans and leases to deposits | 91.5963% | 1,441 |
| Net loans and leases to core deposits | 109.5943% | 876 |
| Total domestic deposits to total assets | 62.9995% | 6,061 |
| Equity capital to assets | 7.0167% | 6,054 |
| Core capital (leverage) ratio | 7.5393% | 5,967 |
| Tier 1 risk-based capital ratio | 10.5171% | 5,767 |
| Total risk-based capital ratio | 11.3255% | 5,867 |
| Memoranda: | ||
| Average total assets | $168,411,600 | 3,328 |
| Average earning assets | $158,515,200 | 3,272 |
| Average equity | $11,910,200 | 4,325 |
| Average total loans | $96,892,200 | 3,439 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 4,906 |
| Cost of funding earning assets | 0.7645% | 606 |
| Net interest margin | 2.7679% | 5,635 |
| Noninterest income to average assets | 0.1770% | 5,596 |
| Noninterest expense to average assets | 1.3180% | 6,144 |
| Loan and lease loss provision to assets | 0.0400% | 3,412 |
| Net operating income to assets | 1.3998% | 1,103 |
| Return on assets (ROA) | 1.4061% | 1,139 |
| Pretax return on assets | 1.4374% | 1,875 |
| Return on Equity (ROE) | 19.8417% | 281 |
| Retained earnings to average equity (ytd only) | 4.3164% | 3,400 |
| Net charge-offs to loans | 0.0028% | 4,088 |
| Credit loss provision to net charge-offs | 2,500.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 917.3296% | 84 |
| Efficiency ratio | 47.2581% | 5,910 |
| Assets per employee ($millions) | 11.6201% | 165 |
| Cash dividends to net income (ytd only)* | 78.2460% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 4,859 |
| Loan loss allowance to noncurrent loans | 862.9310% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,500 |
| Noncurrent loans to loans | 0.1132% | 5,177 |
| Net loans and leases to total assets | 58.2131% | 4,116 |
| Net loans and leases to deposits | 91.9684% | 1,409 |
| Net loans and leases to core deposits | 111.0423% | 814 |
| Total domestic deposits to total assets | 63.2968% | 6,142 |
| Equity capital to assets | 7.0034% | 6,152 |
| Core capital (leverage) ratio | 7.5335% | 6,048 |
| Tier 1 risk-based capital ratio | 10.8338% | 5,743 |
| Total risk-based capital ratio | 11.6790% | 5,845 |
| Memoranda: | ||
| Average total assets | $166,505,000 | 3,391 |
| Average earning assets | $157,132,500 | 3,329 |
| Average equity | $11,799,750 | 4,390 |
| Average total loans | $95,469,250 | 3,499 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 5,011 |
| Cost of funding earning assets | 0.7560% | 624 |
| Net interest margin | 2.7352% | 5,729 |
| Noninterest income to average assets | 0.1684% | 5,695 |
| Noninterest expense to average assets | 1.3129% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4022% | 1,087 |
| Return on assets (ROA) | 1.4118% | 1,103 |
| Pretax return on assets | 1.4435% | 1,824 |
| Return on Equity (ROE) | 19.8388% | 278 |
| Retained earnings to average equity (ytd only) | -2.0062% | 5,829 |
| Net charge-offs to loans | 0.0064% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 391.6667% | 172 |
| Efficiency ratio | 47.8010% | 5,973 |
| Assets per employee ($millions) | 11.1009% | 186 |
| Cash dividends to net income (ytd only)* | 110.1124% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 4,823 |
| Loan loss allowance to noncurrent loans | 833.3333% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 5,591 |
| Noncurrent loans to loans | 0.1212% | 5,274 |
| Net loans and leases to total assets | 55.9254% | 4,346 |
| Net loans and leases to deposits | 87.3951% | 1,898 |
| Net loans and leases to core deposits | 98.3597% | 1,622 |
| Total domestic deposits to total assets | 63.9914% | 6,204 |
| Equity capital to assets | 7.0079% | 6,192 |
| Core capital (leverage) ratio | 7.5651% | 6,083 |
| Tier 1 risk-based capital ratio | 11.2366% | 5,605 |
| Total risk-based capital ratio | 12.1028% | 5,706 |
| Memoranda: | ||
| Average total assets | $163,906,330 | 3,433 |
| Average earning assets | $154,504,000 | 3,382 |
| Average equity | $11,664,000 | 4,443 |
| Average total loans | $93,136,670 | 3,576 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 5,017 |
| Cost of funding earning assets | 0.7391% | 701 |
| Net interest margin | 2.7424% | 5,750 |
| Noninterest income to average assets | 0.2189% | 5,388 |
| Noninterest expense to average assets | 1.3210% | 6,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4489% | 943 |
| Return on assets (ROA) | 1.4489% | 1,003 |
| Pretax return on assets | 1.4809% | 1,628 |
| Return on Equity (ROE) | 20.2032% | 262 |
| Retained earnings to average equity (ytd only) | -17.4935% | 6,248 |
| Net charge-offs to loans | -0.0043% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1466% | 6,061 |
| Assets per employee ($millions) | 11.2031% | 185 |
| Cash dividends to net income (ytd only)* | 186.5874% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 4,500 |
| Loan loss allowance to noncurrent loans | 306.4309% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 5,161 |
| Noncurrent loans to loans | 0.3603% | 4,511 |
| Net loans and leases to total assets | 54.4277% | 4,383 |
| Net loans and leases to deposits | 78.0104% | 2,802 |
| Net loans and leases to core deposits | 86.7065% | 2,471 |
| Total domestic deposits to total assets | 69.7698% | 6,142 |
| Equity capital to assets | 7.2684% | 6,228 |
| Core capital (leverage) ratio | 7.4758% | 6,148 |
| Tier 1 risk-based capital ratio | 11.9816% | 5,251 |
| Total risk-based capital ratio | 12.9353% | 5,345 |
| Memoranda: | ||
| Average total assets | $162,603,000 | 3,477 |
| Average earning assets | $153,149,500 | 3,417 |
| Average equity | $11,661,500 | 4,476 |
| Average total loans | $92,668,500 | 3,596 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 4,996 |
| Cost of funding earning assets | 0.7330% | 940 |
| Net interest margin | 2.8972% | 5,652 |
| Noninterest income to average assets | 0.1414% | 5,989 |
| Noninterest expense to average assets | 1.5960% | 6,241 |
| Loan and lease loss provision to assets | 0.0615% | 3,287 |
| Net operating income to assets | 1.1630% | 1,704 |
| Return on assets (ROA) | 1.1380% | 1,892 |
| Pretax return on assets | 1.1699% | 2,779 |
| Return on Equity (ROE) | 16.4419% | 557 |
| Retained earnings to average equity (ytd only) | 9.4423% | 614 |
| Net charge-offs to loans | -0.0031% | 5,411 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9362% | 5,670 |
| Assets per employee ($millions) | 12.0259% | 142 |
| Cash dividends to net income (ytd only)* | 42.5716% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 5,233 |
| Loan loss allowance to noncurrent loans | 366.1538% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 5,404 |
| Noncurrent loans to loans | 0.2626% | 4,901 |
| Net loans and leases to total assets | 58.2468% | 4,021 |
| Net loans and leases to deposits | 88.4625% | 1,677 |
| Net loans and leases to core deposits | 101.3738% | 1,287 |
| Total domestic deposits to total assets | 65.8434% | 6,326 |
| Equity capital to assets | 7.0817% | 6,317 |
| Core capital (leverage) ratio | 7.6986% | 6,130 |
| Tier 1 risk-based capital ratio | 11.0696% | 5,883 |
| Total risk-based capital ratio | 11.9156% | 5,979 |
| Memoranda: | ||
| Average total assets | $162,657,400 | 3,456 |
| Average earning assets | $152,249,000 | 3,406 |
| Average equity | $11,257,800 | 4,509 |
| Average total loans | $96,589,000 | 3,487 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 5,069 |
| Cost of funding earning assets | 0.7354% | 963 |
| Net interest margin | 2.8938% | 5,714 |
| Noninterest income to average assets | 0.1439% | 6,052 |
| Noninterest expense to average assets | 1.2462% | 6,472 |
| Loan and lease loss provision to assets | 0.0827% | 2,698 |
| Net operating income to assets | 1.4953% | 954 |
| Return on assets (ROA) | 1.4612% | 1,047 |
| Pretax return on assets | 1.4910% | 1,672 |
| Return on Equity (ROE) | 21.2410% | 221 |
| Retained earnings to average equity (ytd only) | 11.9968% | 418 |
| Net charge-offs to loans | -0.0028% | 5,213 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6559% | 6,373 |
| Assets per employee ($millions) | 11.4382% | 158 |
| Cash dividends to net income (ytd only)* | 43.5202% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 5,308 |
| Loan loss allowance to noncurrent loans | 319.1275% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 5,466 |
| Noncurrent loans to loans | 0.3061% | 4,991 |
| Net loans and leases to total assets | 60.1961% | 3,752 |
| Net loans and leases to deposits | 87.9669% | 1,676 |
| Net loans and leases to core deposits | 105.1073% | 1,014 |
| Total domestic deposits to total assets | 68.4304% | 6,336 |
| Equity capital to assets | 7.3881% | 6,327 |
| Core capital (leverage) ratio | 7.7042% | 6,216 |
| Tier 1 risk-based capital ratio | 11.2489% | 5,892 |
| Total risk-based capital ratio | 12.1126% | 6,009 |
| Memoranda: | ||
| Average total assets | $161,231,000 | 3,505 |
| Average earning assets | $151,032,750 | 3,448 |
| Average equity | $11,091,500 | 4,576 |
| Average total loans | $95,981,750 | 3,533 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5495% | 5,292 |
| Cost of funding earning assets | 0.7181% | 1,098 |
| Net interest margin | 2.8314% | 5,849 |
| Noninterest income to average assets | 0.1349% | 6,144 |
| Noninterest expense to average assets | 1.2216% | 6,546 |
| Loan and lease loss provision to assets | 0.1238% | 1,994 |
| Net operating income to assets | 1.4036% | 1,054 |
| Return on assets (ROA) | 1.3466% | 1,238 |
| Pretax return on assets | 1.3763% | 1,984 |
| Return on Equity (ROE) | 20.0645% | 290 |
| Retained earnings to average equity (ytd only) | 7.0816% | 1,729 |
| Net charge-offs to loans | -0.0021% | 5,062 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9448% | 6,421 |
| Assets per employee ($millions) | 11.5249% | 148 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 5,426 |
| Loan loss allowance to noncurrent loans | 664.3357% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 5,895 |
| Noncurrent loans to loans | 0.1477% | 5,564 |
| Net loans and leases to total assets | 59.4243% | 3,798 |
| Net loans and leases to deposits | 87.1747% | 1,684 |
| Net loans and leases to core deposits | 98.4768% | 1,408 |
| Total domestic deposits to total assets | 68.1669% | 6,418 |
| Equity capital to assets | 6.9762% | 6,446 |
| Core capital (leverage) ratio | 7.5076% | 6,312 |
| Tier 1 risk-based capital ratio | 10.7870% | 6,135 |
| Total risk-based capital ratio | 11.6565% | 6,231 |
| Memoranda: | ||
| Average total assets | $161,596,330 | 3,511 |
| Average earning assets | $150,951,670 | 3,469 |
| Average equity | $10,845,000 | 4,645 |
| Average total loans | $95,527,000 | 3,551 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 5,166 |
| Cost of funding earning assets | 0.7828% | 817 |
| Net interest margin | 2.8180% | 5,899 |
| Noninterest income to average assets | 0.1311% | 6,196 |
| Noninterest expense to average assets | 1.2243% | 6,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5015% | 815 |
| Return on assets (ROA) | 1.3876% | 1,055 |
| Pretax return on assets | 1.4173% | 1,687 |
| Return on Equity (ROE) | 21.0912% | 238 |
| Retained earnings to average equity (ytd only) | -0.4887% | 5,641 |
| Net charge-offs to loans | -0.0042% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3946% | 6,482 |
| Assets per employee ($millions) | 10.9702% | 190 |
| Cash dividends to net income (ytd only)* | 102.3173% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 5,682 |
| Loan loss allowance to noncurrent loans | 598.5915% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,973 |
| Noncurrent loans to loans | 0.1596% | 5,603 |
| Net loans and leases to total assets | 57.3898% | 3,943 |
| Net loans and leases to deposits | 79.8162% | 2,314 |
| Net loans and leases to core deposits | 89.8380% | 1,926 |
| Total domestic deposits to total assets | 71.9025% | 6,368 |
| Equity capital to assets | 6.9624% | 6,456 |
| Core capital (leverage) ratio | 7.1866% | 6,428 |
| Tier 1 risk-based capital ratio | 11.2569% | 6,038 |
| Total risk-based capital ratio | 12.0989% | 6,168 |
| Memoranda: | ||
| Average total assets | $161,720,500 | 3,538 |
| Average earning assets | $150,743,500 | 3,493 |
| Average equity | $10,639,500 | 4,698 |
| Average total loans | $94,875,500 | 3,587 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4252% | 5,786 |
| Cost of funding earning assets | 0.7515% | 1,486 |
| Net interest margin | 2.6736% | 6,171 |
| Noninterest income to average assets | 0.1459% | 6,214 |
| Noninterest expense to average assets | 1.5727% | 6,526 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0108% | 2,281 |
| Return on assets (ROA) | 0.9555% | 2,614 |
| Pretax return on assets | 0.9763% | 3,446 |
| Return on Equity (ROE) | 15.0184% | 762 |
| Retained earnings to average equity (ytd only) | 6.5988% | 1,624 |
| Net charge-offs to loans | -0.0102% | 6,020 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3623% | 5,421 |
| Assets per employee ($millions) | 11.3239% | 159 |
| Cash dividends to net income (ytd only)* | 56.0616% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 6,079 |
| Loan loss allowance to noncurrent loans | 1,698.0000% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 6,294 |
| Noncurrent loans to loans | 0.0496% | 6,081 |
| Net loans and leases to total assets | 58.8203% | 3,902 |
| Net loans and leases to deposits | 92.2693% | 1,024 |
| Net loans and leases to core deposits | 102.0010% | 1,030 |
| Total domestic deposits to total assets | 63.7485% | 6,671 |
| Equity capital to assets | 6.2323% | 6,597 |
| Core capital (leverage) ratio | 6.9697% | 6,531 |
| Tier 1 risk-based capital ratio | 9.8674% | 6,546 |
| Total risk-based capital ratio | 10.6085% | 6,605 |
| Memoranda: | ||
| Average total assets | $163,159,200 | 3,509 |
| Average earning assets | $150,095,200 | 3,502 |
| Average equity | $10,380,600 | 4,767 |
| Average total loans | $88,539,200 | 3,723 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3661% | 5,951 |
| Cost of funding earning assets | 0.7388% | 1,674 |
| Net interest margin | 2.6274% | 6,284 |
| Noninterest income to average assets | 0.1379% | 6,336 |
| Noninterest expense to average assets | 1.2616% | 6,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2782% | 1,402 |
| Return on assets (ROA) | 1.2030% | 1,695 |
| Pretax return on assets | 1.2170% | 2,630 |
| Return on Equity (ROE) | 18.8070% | 383 |
| Retained earnings to average equity (ytd only) | 7.5253% | 1,630 |
| Net charge-offs to loans | -0.0125% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3859% | 6,433 |
| Assets per employee ($millions) | 10.3018% | 214 |
| Cash dividends to net income (ytd only)* | 59.9860% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 58.0529% | 4,005 |
| Net loans and leases to deposits | 87.5030% | 1,427 |
| Net loans and leases to core deposits | 102.5408% | 954 |
| Total domestic deposits to total assets | 66.3439% | 6,700 |
| Equity capital to assets | 6.0366% | 6,690 |
| Core capital (leverage) ratio | 6.4784% | 6,671 |
| Tier 1 risk-based capital ratio | 9.7887% | 6,641 |
| Total risk-based capital ratio | 10.5616% | 6,683 |
| Memoranda: | ||
| Average total assets | $161,484,500 | 3,572 |
| Average earning assets | $148,535,250 | 3,565 |
| Average equity | $10,329,250 | 4,826 |
| Average total loans | $85,484,000 | 3,826 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 6,165 |
| Cost of funding earning assets | 0.6929% | 2,120 |
| Net interest margin | 2.5539% | 6,384 |
| Noninterest income to average assets | 0.1434% | 6,334 |
| Noninterest expense to average assets | 1.2696% | 6,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2047% | 1,584 |
| Return on assets (ROA) | 1.2047% | 1,688 |
| Pretax return on assets | 1.2134% | 2,609 |
| Return on Equity (ROE) | 18.4780% | 427 |
| Retained earnings to average equity (ytd only) | 2.7354% | 4,573 |
| Net charge-offs to loans | -0.0171% | 5,918 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1301% | 6,344 |
| Assets per employee ($millions) | 10.2728% | 204 |
| Cash dividends to net income (ytd only)* | 85.1967% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 5,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.8013% | 5,018 |
| Net loans and leases to deposits | 77.3411% | 2,665 |
| Net loans and leases to core deposits | 90.6662% | 1,845 |
| Total domestic deposits to total assets | 65.6847% | 6,766 |
| Equity capital to assets | 5.9508% | 6,746 |
| Core capital (leverage) ratio | 6.3594% | 6,715 |
| Tier 1 risk-based capital ratio | 10.3914% | 6,540 |
| Total risk-based capital ratio | 11.2488% | 6,613 |
| Memoranda: | ||
| Average total assets | $160,369,670 | 3,604 |
| Average earning assets | $146,914,000 | 3,611 |
| Average equity | $10,455,670 | 4,839 |
| Average total loans | $81,800,000 | 3,930 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2324% | 6,261 |
| Cost of funding earning assets | 0.6643% | 2,530 |
| Net interest margin | 2.5680% | 6,415 |
| Noninterest income to average assets | 0.1440% | 6,384 |
| Noninterest expense to average assets | 1.3639% | 6,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0759% | 1,948 |
| Return on assets (ROA) | 1.0759% | 2,056 |
| Pretax return on assets | 1.1037% | 2,939 |
| Return on Equity (ROE) | 15.7880% | 638 |
| Retained earnings to average equity (ytd only) | -3.6320% | 6,246 |
| Net charge-offs to loans | -0.0099% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2712% | 6,131 |
| Assets per employee ($millions) | 9.6727% | 255 |
| Cash dividends to net income (ytd only)* | 123.0047% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,500 |
| Loan loss allowance to noncurrent loans | 306.1818% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 6,036 |
| Noncurrent loans to loans | 0.3680% | 5,481 |
| Net loans and leases to total assets | 47.7401% | 5,252 |
| Net loans and leases to deposits | 70.0634% | 3,470 |
| Net loans and leases to core deposits | 76.8704% | 3,219 |
| Total domestic deposits to total assets | 68.1384% | 6,803 |
| Equity capital to assets | 6.9396% | 6,725 |
| Core capital (leverage) ratio | 6.6988% | 6,717 |
| Tier 1 risk-based capital ratio | 11.4789% | 6,197 |
| Total risk-based capital ratio | 12.4272% | 6,307 |
| Memoranda: | ||
| Average total assets | $158,372,500 | 3,679 |
| Average earning assets | $143,299,500 | 3,708 |
| Average equity | $10,793,000 | 4,813 |
| Average total loans | $80,527,000 | 4,000 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 5,898 |
| Cost of funding earning assets | 0.6445% | 3,963 |
| Net interest margin | 3.1269% | 5,748 |
| Noninterest income to average assets | 0.2589% | 5,613 |
| Noninterest expense to average assets | 1.8218% | 6,596 |
| Loan and lease loss provision to assets | 0.0731% | 4,810 |
| Net operating income to assets | 1.0955% | 1,952 |
| Return on assets (ROA) | 1.0955% | 2,135 |
| Pretax return on assets | 1.2169% | 2,736 |
| Return on Equity (ROE) | 14.6920% | 872 |
| Retained earnings to average equity (ytd only) | 9.6410% | 668 |
| Net charge-offs to loans | 0.0630% | 5,061 |
| Credit loss provision to net charge-offs | 196.0784% | 1,329 |
| Earnings coverage of net charge-offs (x) | 34.5882% | 905 |
| Efficiency ratio | 58.5429% | 5,759 |
| Assets per employee ($millions) | 10.1239% | 227 |
| Cash dividends to net income (ytd only)* | 34.3792% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 6,054 |
| Loan loss allowance to noncurrent loans | 1,166.6667% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 6,527 |
| Noncurrent loans to loans | 0.0834% | 6,274 |
| Net loans and leases to total assets | 52.7762% | 4,792 |
| Net loans and leases to deposits | 84.1724% | 1,735 |
| Net loans and leases to core deposits | 90.3058% | 1,799 |
| Total domestic deposits to total assets | 62.7002% | 6,944 |
| Equity capital to assets | 6.6958% | 6,818 |
| Core capital (leverage) ratio | 6.9785% | 6,709 |
| Tier 1 risk-based capital ratio | 10.3029% | 6,616 |
| Total risk-based capital ratio | 11.1414% | 6,693 |
| Memoranda: | ||
| Average total assets | $136,735,800 | 4,011 |
| Average earning assets | $124,754,200 | 4,001 |
| Average equity | $10,196,000 | 4,937 |
| Average total loans | $80,935,600 | 4,007 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 5,934 |
| Cost of funding earning assets | 0.6565% | 4,137 |
| Net interest margin | 3.1811% | 5,745 |
| Noninterest income to average assets | 0.2740% | 5,593 |
| Noninterest expense to average assets | 1.4997% | 6,940 |
| Loan and lease loss provision to assets | 0.1022% | 4,299 |
| Net operating income to assets | 1.4598% | 1,102 |
| Return on assets (ROA) | 1.4598% | 1,223 |
| Pretax return on assets | 1.6193% | 1,511 |
| Return on Equity (ROE) | 18.9759% | 394 |
| Retained earnings to average equity (ytd only) | 12.1324% | 510 |
| Net charge-offs to loans | 0.0687% | 4,731 |
| Credit loss provision to net charge-offs | 243.9024% | 1,133 |
| Earnings coverage of net charge-offs (x) | 41.0697% | 867 |
| Efficiency ratio | 46.5566% | 6,795 |
| Assets per employee ($millions) | 8.9574% | 337 |
| Cash dividends to net income (ytd only)* | 36.0645% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 6,087 |
| Loan loss allowance to noncurrent loans | 2,428.5714% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 6,707 |
| Noncurrent loans to loans | 0.0412% | 6,516 |
| Net loans and leases to total assets | 58.7522% | 3,998 |
| Net loans and leases to deposits | 96.1507% | 651 |
| Net loans and leases to core deposits | 101.8741% | 991 |
| Total domestic deposits to total assets | 61.1042% | 7,050 |
| Equity capital to assets | 7.5977% | 6,746 |
| Core capital (leverage) ratio | 7.4259% | 6,654 |
| Tier 1 risk-based capital ratio | 10.1893% | 6,755 |
| Total risk-based capital ratio | 11.0340% | 6,833 |
| Memoranda: | ||
| Average total assets | $130,424,250 | 4,177 |
| Average earning assets | $120,837,250 | 4,135 |
| Average equity | $10,033,500 | 5,021 |
| Average total loans | $79,587,500 | 4,092 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 6,096 |
| Cost of funding earning assets | 0.6503% | 4,438 |
| Net interest margin | 3.1692% | 5,823 |
| Noninterest income to average assets | 0.2934% | 5,455 |
| Noninterest expense to average assets | 1.5873% | 6,944 |
| Loan and lease loss provision to assets | 0.1586% | 3,532 |
| Net operating income to assets | 1.2543% | 1,557 |
| Return on assets (ROA) | 1.2543% | 1,719 |
| Pretax return on assets | 1.4842% | 1,898 |
| Return on Equity (ROE) | 16.2284% | 735 |
| Retained earnings to average equity (ytd only) | 5.6625% | 2,898 |
| Net charge-offs to loans | 0.1106% | 4,073 |
| Credit loss provision to net charge-offs | 232.5581% | 1,224 |
| Earnings coverage of net charge-offs (x) | 24.0930% | 1,233 |
| Efficiency ratio | 49.1409% | 6,699 |
| Assets per employee ($millions) | 8.3534% | 401 |
| Cash dividends to net income (ytd only)* | 65.1075% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 6,014 |
| Loan loss allowance to noncurrent loans | 84,800.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,878 |
| Noncurrent loans to loans | 0.0012% | 6,735 |
| Net loans and leases to total assets | 60.5594% | 3,722 |
| Net loans and leases to deposits | 91.9532% | 956 |
| Net loans and leases to core deposits | 95.3840% | 1,484 |
| Total domestic deposits to total assets | 65.8589% | 7,049 |
| Equity capital to assets | 7.5987% | 6,760 |
| Core capital (leverage) ratio | 7.3994% | 6,667 |
| Tier 1 risk-based capital ratio | 10.1156% | 6,791 |
| Total risk-based capital ratio | 11.0078% | 6,875 |
| Memoranda: | ||
| Average total assets | $126,126,000 | 4,290 |
| Average earning assets | $116,876,330 | 4,242 |
| Average equity | $9,748,330 | 5,092 |
| Average total loans | $77,765,670 | 4,160 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 6,295 |
| Cost of funding earning assets | 0.6691% | 4,545 |
| Net interest margin | 3.1098% | 6,012 |
| Noninterest income to average assets | 0.4380% | 4,396 |
| Noninterest expense to average assets | 1.6083% | 6,967 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2782% | 1,510 |
| Return on assets (ROA) | 1.2782% | 1,684 |
| Pretax return on assets | 1.7162% | 1,266 |
| Return on Equity (ROE) | 16.3864% | 757 |
| Retained earnings to average equity (ytd only) | -5.1967% | 6,594 |
| Net charge-offs to loans | 0.3115% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.8983% | 1,903 |
| Efficiency ratio | 48.3776% | 6,774 |
| Assets per employee ($millions) | 8.1493% | 445 |
| Cash dividends to net income (ytd only)* | 131.7136% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,284 |
| Loan loss allowance to noncurrent loans | 391.4439% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 6,502 |
| Noncurrent loans to loans | 0.2533% | 6,180 |
| Net loans and leases to total assets | 59.8020% | 3,715 |
| Net loans and leases to deposits | 81.3546% | 2,012 |
| Net loans and leases to core deposits | 84.8208% | 2,431 |
| Total domestic deposits to total assets | 73.5079% | 6,783 |
| Equity capital to assets | 7.8321% | 6,623 |
| Core capital (leverage) ratio | 7.6687% | 6,510 |
| Tier 1 risk-based capital ratio | 10.8070% | 6,619 |
| Total risk-based capital ratio | 11.6654% | 6,758 |
| Memoranda: | ||
| Average total assets | $122,362,000 | 4,399 |
| Average earning assets | $113,577,500 | 4,344 |
| Average equity | $9,544,500 | 5,161 |
| Average total loans | $75,754,500 | 4,248 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 5,869 |
| Cost of funding earning assets | 0.8889% | 4,194 |
| Net interest margin | 3.3760% | 5,560 |
| Noninterest income to average assets | 0.2044% | 6,042 |
| Noninterest expense to average assets | 2.0157% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9791% | 2,289 |
| Return on assets (ROA) | 0.9791% | 2,422 |
| Pretax return on assets | 1.3076% | 2,099 |
| Return on Equity (ROE) | 12.0926% | 1,382 |
| Retained earnings to average equity (ytd only) | 12.0926% | 296 |
| Net charge-offs to loans | 0.0420% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 44.7813% | 614 |
| Efficiency ratio | 60.6535% | 5,655 |
| Assets per employee ($millions) | 8.1656% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,128 |
| Loan loss allowance to noncurrent loans | 159.4758% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 5,957 |
| Noncurrent loans to loans | 0.6386% | 5,435 |
| Net loans and leases to total assets | 62.7706% | 3,452 |
| Net loans and leases to deposits | 95.4547% | 710 |
| Net loans and leases to core deposits | 99.6798% | 1,208 |
| Total domestic deposits to total assets | 65.7596% | 7,137 |
| Equity capital to assets | 7.7684% | 6,705 |
| Core capital (leverage) ratio | 7.9197% | 6,340 |
| Tier 1 risk-based capital ratio | 10.4272% | 6,716 |
| Total risk-based capital ratio | 11.3103% | 6,830 |
| Memoranda: | ||
| Average total assets | $109,592,200 | 4,648 |
| Average earning assets | $101,243,600 | 4,602 |
| Average equity | $8,873,200 | 5,313 |
| Average total loans | $76,106,000 | 4,266 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 5,998 |
| Cost of funding earning assets | 0.9138% | 4,309 |
| Net interest margin | 3.3700% | 5,662 |
| Noninterest income to average assets | 0.1667% | 6,399 |
| Noninterest expense to average assets | 1.7674% | 7,032 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1030% | 1,956 |
| Return on assets (ROA) | 1.1030% | 2,098 |
| Pretax return on assets | 1.5242% | 1,593 |
| Return on Equity (ROE) | 13.4665% | 1,165 |
| Retained earnings to average equity (ytd only) | 13.4665% | 337 |
| Net charge-offs to loans | 0.0564% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 37.9960% | 798 |
| Efficiency ratio | 53.6938% | 6,521 |
| Assets per employee ($millions) | 8.4440% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 6,417 |
| Loan loss allowance to noncurrent loans | 208.1579% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 6,268 |
| Noncurrent loans to loans | 0.4618% | 5,923 |
| Net loans and leases to total assets | 68.9433% | 2,289 |
| Net loans and leases to deposits | 110.3272% | 173 |
| Net loans and leases to core deposits | 115.6598% | 509 |
| Total domestic deposits to total assets | 62.4898% | 7,269 |
| Equity capital to assets | 7.8475% | 6,781 |
| Core capital (leverage) ratio | 7.8841% | 6,500 |
| Tier 1 risk-based capital ratio | 10.0536% | 6,939 |
| Total risk-based capital ratio | 10.9230% | 7,023 |
| Memoranda: | ||
| Average total assets | $106,369,250 | 4,752 |
| Average earning assets | $98,634,000 | 4,701 |
| Average equity | $8,712,750 | 5,383 |
| Average total loans | $75,713,750 | 4,324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 6,162 |
| Cost of funding earning assets | 0.9093% | 4,590 |
| Net interest margin | 3.3396% | 5,744 |
| Noninterest income to average assets | 0.1699% | 6,448 |
| Noninterest expense to average assets | 1.7731% | 7,107 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0467% | 2,050 |
| Return on assets (ROA) | 1.0467% | 2,148 |
| Pretax return on assets | 1.4880% | 1,567 |
| Return on Equity (ROE) | 12.5753% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.5753% | 443 |
| Net charge-offs to loans | 0.0190% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 108.8571% | 334 |
| Efficiency ratio | 54.3713% | 6,585 |
| Assets per employee ($millions) | 8.1609% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 6,052 |
| Loan loss allowance to noncurrent loans | 160.0000% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 6,031 |
| Noncurrent loans to loans | 0.6723% | 5,560 |
| Net loans and leases to total assets | 65.6776% | 3,101 |
| Net loans and leases to deposits | 97.1366% | 643 |
| Net loans and leases to core deposits | 101.6059% | 1,202 |
| Total domestic deposits to total assets | 67.6137% | 7,212 |
| Equity capital to assets | 7.7478% | 6,839 |
| Core capital (leverage) ratio | 8.0562% | 6,227 |
| Tier 1 risk-based capital ratio | 10.3198% | 6,864 |
| Total risk-based capital ratio | 11.2764% | 6,963 |
| Memoranda: | ||
| Average total assets | $102,420,330 | 4,891 |
| Average earning assets | $94,803,000 | 4,858 |
| Average equity | $8,524,670 | 5,447 |
| Average total loans | $73,520,670 | 4,442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 5,691 |
| Cost of funding earning assets | 1.1601% | 3,086 |
| Net interest margin | 3.2419% | 5,947 |
| Noninterest income to average assets | 0.1782% | 6,447 |
| Noninterest expense to average assets | 1.8611% | 7,055 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9202% | 2,476 |
| Return on assets (ROA) | 0.9202% | 2,532 |
| Pretax return on assets | 1.3056% | 2,026 |
| Return on Equity (ROE) | 10.6207% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.6207% | 969 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7696% | 6,163 |
| Assets per employee ($millions) | 7.2903% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,872 |
| Loan loss allowance to noncurrent loans | 100.9816% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 5,314 |
| Noncurrent loans to loans | 1.1336% | 4,811 |
| Net loans and leases to total assets | 69.6347% | 2,196 |
| Net loans and leases to deposits | 87.6880% | 1,497 |
| Net loans and leases to core deposits | 91.5122% | 2,174 |
| Total domestic deposits to total assets | 79.4119% | 6,082 |
| Equity capital to assets | 8.3017% | 6,161 |
| Core capital (leverage) ratio | 8.7117% | 5,071 |
| Tier 1 risk-based capital ratio | 10.6775% | 6,706 |
| Total risk-based capital ratio | 11.7126% | 6,813 |
| Memoranda: | ||
| Average total assets | $96,504,500 | 5,093 |
| Average earning assets | $88,959,000 | 5,058 |
| Average equity | $8,361,000 | 5,501 |
| Average total loans | $72,354,000 | 4,536 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 4,826 |
| Cost of funding earning assets | 1.3005% | 3,878 |
| Net interest margin | 3.6416% | 4,615 |
| Noninterest income to average assets | 0.4274% | 4,693 |
| Noninterest expense to average assets | 2.4375% | 5,983 |
| Loan and lease loss provision to assets | 0.0547% | 6,598 |
| Net operating income to assets | 0.9652% | 2,148 |
| Return on assets (ROA) | 0.9652% | 2,268 |
| Pretax return on assets | 1.2745% | 2,001 |
| Return on Equity (ROE) | 10.1763% | 1,864 |
| Retained earnings to average equity (ytd only) | -1.5443% | 5,897 |
| Net charge-offs to loans | 0.0142% | 6,685 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 121.6000% | 211 |
| Efficiency ratio | 64.7127% | 5,220 |
| Assets per employee ($millions) | 6.4961% | 949 |
| Cash dividends to net income (ytd only)* | 115.1755% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,829 |
| Loan loss allowance to noncurrent loans | 125.8410% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 5,565 |
| Noncurrent loans to loans | 0.8982% | 5,264 |
| Net loans and leases to total assets | 79.1577% | 777 |
| Net loans and leases to deposits | 100.4773% | 546 |
| Net loans and leases to core deposits | 105.4428% | 1,225 |
| Total domestic deposits to total assets | 78.7817% | 6,140 |
| Equity capital to assets | 9.0703% | 5,047 |
| Core capital (leverage) ratio | 8.7963% | 4,865 |
| Tier 1 risk-based capital ratio | 10.6732% | 6,590 |
| Total risk-based capital ratio | 11.7359% | 6,688 |
| Memoranda: | ||
| Average total assets | $91,485,800 | 5,242 |
| Average earning assets | $83,892,600 | 5,217 |
| Average equity | $8,677,000 | 5,508 |
| Average total loans | $70,529,000 | 4,668 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 5,404 |
| Cost of funding earning assets | 1.2938% | 4,260 |
| Net interest margin | 3.5741% | 4,993 |
| Noninterest income to average assets | 0.2183% | 6,347 |
| Noninterest expense to average assets | 1.9136% | 7,184 |
| Loan and lease loss provision to assets | 0.0728% | 6,330 |
| Net operating income to assets | 1.0463% | 2,083 |
| Return on assets (ROA) | 1.0463% | 2,190 |
| Pretax return on assets | 1.5164% | 1,569 |
| Return on Equity (ROE) | 10.9135% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.6555% | 656 |
| Net charge-offs to loans | 0.0191% | 6,405 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 109.2243% | 291 |
| Efficiency ratio | 54.6323% | 6,727 |
| Assets per employee ($millions) | 6.5194% | 961 |
| Cash dividends to net income (ytd only)* | 2.3648% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 6,268 |
| Loan loss allowance to noncurrent loans | 98.2100% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 5,384 |
| Noncurrent loans to loans | 1.0488% | 5,147 |
| Net loans and leases to total assets | 80.8663% | 633 |
| Net loans and leases to deposits | 119.5122% | 119 |
| Net loans and leases to core deposits | 125.3785% | 466 |
| Total domestic deposits to total assets | 67.6637% | 7,400 |
| Equity capital to assets | 9.3465% | 5,054 |
| Core capital (leverage) ratio | 9.5095% | 3,890 |
| Tier 1 risk-based capital ratio | 10.7416% | 6,601 |
| Total risk-based capital ratio | 11.7128% | 6,794 |
| Memoranda: | ||
| Average total assets | $91,621,000 | 5,305 |
| Average earning assets | $84,195,500 | 5,262 |
| Average equity | $8,784,000 | 5,559 |
| Average total loans | $69,958,000 | 4,759 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 5,113 |
| Cost of funding earning assets | 1.4481% | 3,568 |
| Net interest margin | 3.5157% | 5,186 |
| Noninterest income to average assets | 0.1943% | 6,510 |
| Noninterest expense to average assets | 1.9517% | 7,182 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1076% | 1,828 |
| Return on assets (ROA) | 1.1076% | 1,900 |
| Pretax return on assets | 1.4738% | 1,631 |
| Return on Equity (ROE) | 11.4479% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.3325% | 586 |
| Net charge-offs to loans | -0.0030% | 7,087 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9752% | 6,511 |
| Assets per employee ($millions) | 6.2221% | 1,084 |
| Cash dividends to net income (ytd only)* | 1.0081% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,991 |
| Loan loss allowance to noncurrent loans | 82.8753% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0136% | 5,116 |
| Noncurrent loans to loans | 1.3141% | 4,753 |
| Net loans and leases to total assets | 76.2908% | 1,430 |
| Net loans and leases to deposits | 106.4097% | 374 |
| Net loans and leases to core deposits | 111.5562% | 1,057 |
| Total domestic deposits to total assets | 71.6954% | 7,204 |
| Equity capital to assets | 9.5627% | 4,612 |
| Core capital (leverage) ratio | 9.7182% | 3,516 |
| Tier 1 risk-based capital ratio | 11.4851% | 5,784 |
| Total risk-based capital ratio | 12.4977% | 5,985 |
| Memoranda: | ||
| Average total assets | $89,564,330 | 5,408 |
| Average earning assets | $82,315,670 | 5,362 |
| Average equity | $8,665,330 | 5,595 |
| Average total loans | $66,643,000 | 4,914 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 5,918 |
| Cost of funding earning assets | 1.3655% | 4,392 |
| Net interest margin | 3.4261% | 5,477 |
| Noninterest income to average assets | 0.1734% | 6,726 |
| Noninterest expense to average assets | 1.9708% | 7,212 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0949% | 1,844 |
| Return on assets (ROA) | 1.0949% | 1,928 |
| Pretax return on assets | 1.3503% | 1,902 |
| Return on Equity (ROE) | 11.2471% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.0128% | 922 |
| Net charge-offs to loans | -0.0063% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3407% | 6,284 |
| Assets per employee ($millions) | 5.7737% | 1,428 |
| Cash dividends to net income (ytd only)* | 2.0833% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,234 |
| Loan loss allowance to noncurrent loans | 81.4123% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 4,931 |
| Noncurrent loans to loans | 1.5316% | 4,451 |
| Net loans and leases to total assets | 71.6956% | 2,522 |
| Net loans and leases to deposits | 89.7192% | 1,941 |
| Net loans and leases to core deposits | 93.1837% | 2,954 |
| Total domestic deposits to total assets | 79.9111% | 5,812 |
| Equity capital to assets | 10.0075% | 3,864 |
| Core capital (leverage) ratio | 9.9979% | 3,163 |
| Tier 1 risk-based capital ratio | 12.5505% | 4,697 |
| Total risk-based capital ratio | 13.6900% | 4,752 |
| Memoranda: | ||
| Average total assets | $87,681,000 | 5,523 |
| Average earning assets | $80,558,000 | 5,486 |
| Average equity | $8,535,500 | 5,682 |
| Average total loans | $63,971,000 | 5,083 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 4,596 |
| Cost of funding earning assets | 1.7587% | 4,207 |
| Net interest margin | 3.6606% | 4,307 |
| Noninterest income to average assets | 0.2351% | 6,423 |
| Noninterest expense to average assets | 2.0560% | 7,273 |
| Loan and lease loss provision to assets | 0.1193% | 6,453 |
| Net operating income to assets | 1.0012% | 1,838 |
| Return on assets (ROA) | 1.0012% | 1,883 |
| Pretax return on assets | 1.4451% | 1,323 |
| Return on Equity (ROE) | 10.2290% | 1,629 |
| Retained earnings to average equity (ytd only) | 7.3517% | 859 |
| Net charge-offs to loans | 0.0895% | 6,229 |
| Credit loss provision to net charge-offs | 169.4915% | 2,521 |
| Earnings coverage of net charge-offs (x) | 22.2203% | 970 |
| Efficiency ratio | 56.7897% | 6,916 |
| Assets per employee ($millions) | 6.3398% | 1,056 |
| Cash dividends to net income (ytd only)* | 28.1287% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 5,334 |
| Loan loss allowance to noncurrent loans | 94.6796% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9318% | 5,240 |
| Noncurrent loans to loans | 1.2710% | 4,806 |
| Net loans and leases to total assets | 72.4258% | 2,654 |
| Net loans and leases to deposits | 92.0182% | 1,896 |
| Net loans and leases to core deposits | 117.2940% | 2,199 |
| Total domestic deposits to total assets | 78.7082% | 6,061 |
| Equity capital to assets | 9.4685% | 4,460 |
| Core capital (leverage) ratio | 9.6453% | 3,527 |
| Tier 1 risk-based capital ratio | 11.8859% | 5,037 |
| Total risk-based capital ratio | 12.9938% | 5,121 |
| Memoranda: | ||
| Average total assets | $83,803,000 | 5,603 |
| Average earning assets | $77,501,400 | 5,544 |
| Average equity | $8,202,200 | 5,865 |
| Average total loans | $65,913,600 | 5,021 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5100% | 4,370 |
| Cost of funding earning assets | 1.8153% | 4,313 |
| Net interest margin | 3.6947% | 4,099 |
| Noninterest income to average assets | 0.2196% | 6,657 |
| Noninterest expense to average assets | 1.9427% | 7,479 |
| Loan and lease loss provision to assets | 0.0807% | 6,561 |
| Net operating income to assets | 1.1788% | 1,518 |
| Return on assets (ROA) | 1.1788% | 1,572 |
| Pretax return on assets | 1.6342% | 1,102 |
| Return on Equity (ROE) | 11.9399% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.5473% | 403 |
| Net charge-offs to loans | 0.0806% | 5,871 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 26.5509% | 1,018 |
| Efficiency ratio | 53.1126% | 7,326 |
| Assets per employee ($millions) | 6.2549% | 1,098 |
| Cash dividends to net income (ytd only)* | 3.2878% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 5,921 |
| Loan loss allowance to noncurrent loans | 78.7435% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 4,864 |
| Noncurrent loans to loans | 1.3556% | 4,661 |
| Net loans and leases to total assets | 79.5887% | 1,263 |
| Net loans and leases to deposits | 103.7190% | 795 |
| Net loans and leases to core deposits | 133.4208% | 1,243 |
| Total domestic deposits to total assets | 76.7349% | 6,414 |
| Equity capital to assets | 9.7226% | 4,467 |
| Core capital (leverage) ratio | 10.1048% | 3,170 |
| Tier 1 risk-based capital ratio | 11.4956% | 5,432 |
| Total risk-based capital ratio | 12.5122% | 5,625 |
| Memoranda: | ||
| Average total assets | $82,564,500 | 5,673 |
| Average earning assets | $76,828,250 | 5,603 |
| Average equity | $8,151,750 | 5,930 |
| Average total loans | $66,125,500 | 5,059 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6572% | 3,784 |
| Cost of funding earning assets | 1.9070% | 4,224 |
| Net interest margin | 3.7502% | 3,754 |
| Noninterest income to average assets | 0.2275% | 6,659 |
| Noninterest expense to average assets | 1.9185% | 7,603 |
| Loan and lease loss provision to assets | 0.1236% | 5,872 |
| Net operating income to assets | 1.1521% | 1,607 |
| Return on assets (ROA) | 1.1521% | 1,691 |
| Pretax return on assets | 1.6762% | 1,061 |
| Return on Equity (ROE) | 11.6050% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.0073% | 563 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5957% | 7,548 |
| Assets per employee ($millions) | 6.3270% | 1,040 |
| Cash dividends to net income (ytd only)* | 5.1502% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 4,967 |
| Loan loss allowance to noncurrent loans | 80.8163% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 4,518 |
| Noncurrent loans to loans | 1.4817% | 4,271 |
| Net loans and leases to total assets | 79.4507% | 1,414 |
| Net loans and leases to deposits | 94.9619% | 1,961 |
| Net loans and leases to core deposits | 120.0364% | 2,368 |
| Total domestic deposits to total assets | 83.6659% | 3,935 |
| Equity capital to assets | 10.0351% | 3,892 |
| Core capital (leverage) ratio | 9.9875% | 3,310 |
| Tier 1 risk-based capital ratio | 12.0078% | 4,905 |
| Total risk-based capital ratio | 13.1620% | 4,909 |
| Memoranda: | ||
| Average total assets | $80,896,330 | 5,765 |
| Average earning assets | $75,302,000 | 5,699 |
| Average equity | $8,031,000 | 6,014 |
| Average total loans | $64,685,000 | 5,150 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6105% | 4,293 |
| Cost of funding earning assets | 1.9751% | 4,260 |
| Net interest margin | 3.6353% | 4,164 |
| Noninterest income to average assets | 0.2094% | 6,793 |
| Noninterest expense to average assets | 1.8350% | 7,652 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2117% | 1,624 |
| Return on assets (ROA) | 1.2117% | 1,737 |
| Pretax return on assets | 1.7702% | 1,040 |
| Return on Equity (ROE) | 12.2735% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.6674% | 856 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8990% | 7,518 |
| Assets per employee ($millions) | 6.2305% | 1,074 |
| Cash dividends to net income (ytd only)* | 4.9383% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,051 |
| Loan loss allowance to noncurrent loans | 158.5470% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 5,696 |
| Noncurrent loans to loans | 0.7317% | 5,600 |
| Net loans and leases to total assets | 78.0495% | 1,812 |
| Net loans and leases to deposits | 92.4820% | 2,514 |
| Net loans and leases to core deposits | 117.0945% | 2,673 |
| Total domestic deposits to total assets | 84.3943% | 3,516 |
| Equity capital to assets | 9.9239% | 4,080 |
| Core capital (leverage) ratio | 9.8890% | 3,529 |
| Tier 1 risk-based capital ratio | 12.1126% | 4,859 |
| Total risk-based capital ratio | 13.2321% | 4,869 |
| Memoranda: | ||
| Average total assets | $80,219,000 | 5,815 |
| Average earning assets | $74,931,500 | 5,733 |
| Average equity | $7,919,500 | 6,087 |
| Average total loans | $63,957,000 | 5,210 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5545% | 2,697 |
| Cost of funding earning assets | 2.8240% | 2,611 |
| Net interest margin | 3.7304% | 4,325 |
| Noninterest income to average assets | 0.3153% | 6,197 |
| Noninterest expense to average assets | 2.0551% | 7,333 |
| Loan and lease loss provision to assets | 0.1609% | 5,321 |
| Net operating income to assets | 0.9870% | 2,601 |
| Return on assets (ROA) | 0.9870% | 2,481 |
| Pretax return on assets | 1.4412% | 1,848 |
| Return on Equity (ROE) | 10.0595% | 2,242 |
| Retained earnings to average equity (ytd only) | 6.4659% | 1,344 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1928% | 6,979 |
| Assets per employee ($millions) | 6.6202% | 842 |
| Cash dividends to net income (ytd only)* | 35.7236% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 4,843 |
| Loan loss allowance to noncurrent loans | 833.7079% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 7,067 |
| Noncurrent loans to loans | 0.1392% | 6,993 |
| Net loans and leases to total assets | 79.5713% | 1,754 |
| Net loans and leases to deposits | 94.3027% | 2,710 |
| Net loans and leases to core deposits | 127.8037% | 2,018 |
| Total domestic deposits to total assets | 84.3785% | 3,139 |
| Equity capital to assets | 9.8197% | 4,265 |
| Core capital (leverage) ratio | 9.9382% | 3,507 |
| Tier 1 risk-based capital ratio | 11.6260% | 5,130 |
| Total risk-based capital ratio | 12.7322% | 5,151 |
| Memoranda: | ||
| Average total assets | $77,711,000 | 5,777 |
| Average earning assets | $69,616,600 | 5,834 |
| Average equity | $7,624,600 | 6,236 |
| Average total loans | $63,836,200 | 5,105 |