Home > Bank of Hancock County > Performance and Condition Ratios
Bank of Hancock County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 3,279 |
| Cost of funding earning assets | 0.7289% | 3,882 |
| Net interest margin | 3.6688% | 1,815 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.1340% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7141% | 3,153 |
| Return on assets (ROA) | 0.7117% | 3,141 |
| Pretax return on assets | 0.7445% | 3,350 |
| Return on Equity (ROE) | 4.9900% | 3,725 |
| Retained earnings to average equity (ytd only) | 2.8720% | 3,323 |
| Net charge-offs to loans | 0.1048% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 25.7826% | 1,726 |
| Efficiency ratio | 80.7530% | 868 |
| Assets per employee ($millions) | 4.1041% | 4,123 |
| Cash dividends to net income (ytd only)* | 42.4779% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3737% | 51 |
| Loan loss allowance to noncurrent loans | 410.5727% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 1,782 |
| Noncurrent loans to loans | 1.0653% | 689 |
| Net loans and leases to total assets | 26.1300% | 4,348 |
| Net loans and leases to deposits | 31.2286% | 4,342 |
| Net loans and leases to core deposits | 31.5492% | 4,382 |
| Total domestic deposits to total assets | 83.6800% | 2,712 |
| Equity capital to assets | 16.2086% | 445 |
| Core capital (leverage) ratio | 19.8774% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $79,387,400 | 4,018 |
| Average earning assets | $74,766,000 | 3,982 |
| Average equity | $11,316,200 | 3,586 |
| Average total loans | $21,940,600 | 4,269 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 187.0000% | 40 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.6972% | 3,314 |
| Pretax return on assets | 0.6972% | 3,561 |
| Return on Equity (ROE) | 5.0600% | 3,796 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0017% | 2,529 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.0277% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 3,227.0000% | 36 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $708,000 | 4,628 |
| Average earning assets | $1,068 | 4,617 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 3,336 |
| Cost of funding earning assets | 0.4665% | 4,046 |
| Net interest margin | 3.7164% | 1,791 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 3.1840% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7618% | 3,189 |
| Return on assets (ROA) | 0.7618% | 3,206 |
| Pretax return on assets | 0.7618% | 3,482 |
| Return on Equity (ROE) | 5.4500% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.3134% | 3,400 |
| Net charge-offs to loans | -0.0094% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.6940% | 800 |
| Assets per employee ($millions) | 4.1557% | 4,120 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2005% | 58 |
| Loan loss allowance to noncurrent loans | 387.0445% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 1,667 |
| Noncurrent loans to loans | 1.0853% | 669 |
| Net loans and leases to total assets | 27.6100% | 4,367 |
| Net loans and leases to deposits | 32.2697% | 4,366 |
| Net loans and leases to core deposits | 32.7353% | 4,377 |
| Total domestic deposits to total assets | 85.5700% | 2,371 |
| Equity capital to assets | 14.2530% | 612 |
| Core capital (leverage) ratio | 21.5991% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $80,338,000 | 4,044 |
| Average earning assets | $75,880,333 | 4,005 |
| Average equity | $11,227,000 | 3,611 |
| Average total loans | $21,300,000 | 4,312 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,251 |
| Cost of funding earning assets | 0.3924% | 3,987 |
| Net interest margin | 3.7091% | 1,881 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.1101% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8047% | 3,181 |
| Return on assets (ROA) | 0.8047% | 3,133 |
| Pretax return on assets | 0.8047% | 3,453 |
| Return on Equity (ROE) | 5.8100% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.8144% | 2,817 |
| Net charge-offs to loans | -0.0194% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.4451% | 873 |
| Assets per employee ($millions) | 4.2399% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4059% | 52 |
| Loan loss allowance to noncurrent loans | 430.6306% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 1,628 |
| Noncurrent loans to loans | 1.0231% | 709 |
| Net loans and leases to total assets | 25.7500% | 4,457 |
| Net loans and leases to deposits | 30.1062% | 4,446 |
| Net loans and leases to core deposits | 30.5303% | 4,454 |
| Total domestic deposits to total assets | 85.5200% | 2,718 |
| Equity capital to assets | 14.3487% | 545 |
| Core capital (leverage) ratio | 21.4186% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $81,027,500 | 4,088 |
| Average earning assets | $76,460,500 | 4,049 |
| Average equity | $11,213,500 | 3,654 |
| Average total loans | $20,570,500 | 4,386 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 2,635 |
| Cost of funding earning assets | 0.2659% | 3,198 |
| Net interest margin | 3.3964% | 2,270 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.8785% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7376% | 3,515 |
| Return on assets (ROA) | 0.7848% | 3,315 |
| Pretax return on assets | 0.7435% | 3,756 |
| Return on Equity (ROE) | 5.2500% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.3552% | 3,608 |
| Net charge-offs to loans | -0.0047% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.5216% | 680 |
| Assets per employee ($millions) | 4.2893% | 4,148 |
| Cash dividends to net income (ytd only)* | 36.0902% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9118% | 42 |
| Loan loss allowance to noncurrent loans | 519.0217% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 1,871 |
| Noncurrent loans to loans | 0.9464% | 784 |
| Net loans and leases to total assets | 22.6900% | 4,524 |
| Net loans and leases to deposits | 26.1892% | 4,522 |
| Net loans and leases to core deposits | 26.6448% | 4,519 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 13.3355% | 653 |
| Core capital (leverage) ratio | 21.4857% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $84,730,200 | 4,076 |
| Average earning assets | $80,115,400 | 4,034 |
| Average equity | $12,667,000 | 3,606 |
| Average total loans | $21,296,600 | 4,393 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 2,513 |
| Cost of funding earning assets | 0.2652% | 2,541 |
| Net interest margin | 3.2685% | 2,395 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.8462% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6048% | 3,826 |
| Return on assets (ROA) | 0.6671% | 3,612 |
| Pretax return on assets | 0.6671% | 3,862 |
| Return on Equity (ROE) | 4.3500% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.1308% | 3,741 |
| Net charge-offs to loans | -0.0306% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.4752% | 633 |
| Assets per employee ($millions) | 4.2148% | 4,211 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0728% | 65 |
| Loan loss allowance to noncurrent loans | 506.8783% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 1,681 |
| Noncurrent loans to loans | 0.8035% | 998 |
| Net loans and leases to total assets | 28.1800% | 4,457 |
| Net loans and leases to deposits | 32.1063% | 4,464 |
| Net loans and leases to core deposits | 32.9142% | 4,468 |
| Total domestic deposits to total assets | 87.7600% | 2,498 |
| Equity capital to assets | 12.1102% | 862 |
| Core capital (leverage) ratio | 18.3199% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $85,538,500 | 4,096 |
| Average earning assets | $80,932,750 | 4,058 |
| Average equity | $13,116,750 | 3,600 |
| Average total loans | $21,760,000 | 4,411 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 2,593 |
| Cost of funding earning assets | 0.2604% | 2,138 |
| Net interest margin | 3.0836% | 2,584 |
| Noninterest income to average assets | 0.3503% | 3,058 |
| Noninterest expense to average assets | 2.7725% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5060% | 3,877 |
| Return on assets (ROA) | 0.5380% | 3,756 |
| Pretax return on assets | 0.5380% | 3,942 |
| Return on Equity (ROE) | 3.2968% | 4,172 |
| Retained earnings to average equity (ytd only) | 1.6133% | 3,849 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5670% | 649 |
| Assets per employee ($millions) | 4.4332% | 4,130 |
| Cash dividends to net income (ytd only)* | 51.0638% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2088% | 61 |
| Loan loss allowance to noncurrent loans | 369.7674% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 1,780 |
| Noncurrent loans to loans | 1.1382% | 715 |
| Net loans and leases to total assets | 25.7779% | 4,567 |
| Net loans and leases to deposits | 29.7280% | 4,550 |
| Net loans and leases to core deposits | 30.4453% | 4,555 |
| Total domestic deposits to total assets | 86.7127% | 3,032 |
| Equity capital to assets | 13.1258% | 644 |
| Core capital (leverage) ratio | 19.4889% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,357,667 | 4,111 |
| Average earning assets | $82,955,333 | 4,090 |
| Average equity | $14,256,333 | 3,560 |
| Average total loans | $21,172,667 | 4,481 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1884% | 2,719 |
| Cost of funding earning assets | 0.2602% | 2,042 |
| Net interest margin | 2.9282% | 2,740 |
| Noninterest income to average assets | 0.3419% | 3,045 |
| Noninterest expense to average assets | 2.7305% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3959% | 3,959 |
| Return on assets (ROA) | 0.4588% | 3,782 |
| Pretax return on assets | 0.4588% | 3,936 |
| Return on Equity (ROE) | 2.5731% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.5731% | 3,391 |
| Net charge-offs to loans | -0.1175% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3381% | 665 |
| Assets per employee ($millions) | 4.6233% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6034% | 48 |
| Loan loss allowance to noncurrent loans | 482.4121% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 2,290 |
| Noncurrent loans to loans | 0.9543% | 955 |
| Net loans and leases to total assets | 22.6475% | 4,636 |
| Net loans and leases to deposits | 27.0685% | 4,622 |
| Net loans and leases to core deposits | 27.7164% | 4,617 |
| Total domestic deposits to total assets | 83.6673% | 3,835 |
| Equity capital to assets | 16.2234% | 305 |
| Core capital (leverage) ratio | 18.3770% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,921,000 | 4,112 |
| Average earning assets | $84,556,000 | 4,085 |
| Average equity | $15,856,500 | 3,484 |
| Average total loans | $20,425,500 | 4,514 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2022% | 3,468 |
| Cost of funding earning assets | 0.3015% | 2,392 |
| Net interest margin | 2.9007% | 3,439 |
| Noninterest income to average assets | 0.3502% | 3,340 |
| Noninterest expense to average assets | 2.7448% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4216% | 4,238 |
| Return on assets (ROA) | 0.5156% | 4,099 |
| Pretax return on assets | 0.4794% | 4,284 |
| Return on Equity (ROE) | 2.6063% | 4,430 |
| Retained earnings to average equity (ytd only) | 1.2315% | 4,196 |
| Net charge-offs to loans | 0.0330% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 48.5714% | 1,313 |
| Efficiency ratio | 87.6901% | 400 |
| Assets per employee ($millions) | 4.7368% | 3,935 |
| Cash dividends to net income (ytd only)* | 52.7473% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7707% | 44 |
| Loan loss allowance to noncurrent loans | 571.2575% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 2,638 |
| Noncurrent loans to loans | 0.8351% | 1,216 |
| Net loans and leases to total assets | 21.1589% | 4,710 |
| Net loans and leases to deposits | 26.2648% | 4,685 |
| Net loans and leases to core deposits | 26.9007% | 4,688 |
| Total domestic deposits to total assets | 80.5600% | 4,158 |
| Equity capital to assets | 19.4022% | 197 |
| Core capital (leverage) ratio | 18.5319% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,238,800 | 4,113 |
| Average earning assets | $84,566,000 | 4,073 |
| Average equity | $17,457,800 | 3,429 |
| Average total loans | $21,218,200 | 4,548 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1681% | 3,667 |
| Cost of funding earning assets | 0.3130% | 2,474 |
| Net interest margin | 2.8551% | 3,642 |
| Noninterest income to average assets | 0.3523% | 3,346 |
| Noninterest expense to average assets | 2.7623% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3326% | 4,472 |
| Return on assets (ROA) | 0.3994% | 4,406 |
| Pretax return on assets | 0.3994% | 4,497 |
| Return on Equity (ROE) | 2.0087% | 4,590 |
| Retained earnings to average equity (ytd only) | 1.0922% | 4,400 |
| Net charge-offs to loans | 0.0496% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 27.3750% | 1,578 |
| Efficiency ratio | 89.2542% | 345 |
| Assets per employee ($millions) | 4.6325% | 4,023 |
| Cash dividends to net income (ytd only)* | 45.6274% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0558% | 65 |
| Loan loss allowance to noncurrent loans | 648.2993% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 3,008 |
| Noncurrent loans to loans | 0.6256% | 1,742 |
| Net loans and leases to total assets | 25.6129% | 4,716 |
| Net loans and leases to deposits | 32.1552% | 4,668 |
| Net loans and leases to core deposits | 32.9591% | 4,673 |
| Total domestic deposits to total assets | 79.6542% | 4,275 |
| Equity capital to assets | 20.1652% | 186 |
| Core capital (leverage) ratio | 18.5430% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,798,500 | 4,171 |
| Average earning assets | $84,337,750 | 4,128 |
| Average equity | $17,456,750 | 3,475 |
| Average total loans | $21,523,500 | 4,603 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1175% | 3,825 |
| Cost of funding earning assets | 0.3277% | 2,520 |
| Net interest margin | 2.7898% | 3,807 |
| Noninterest income to average assets | 0.3557% | 3,337 |
| Noninterest expense to average assets | 2.7518% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2827% | 4,545 |
| Return on assets (ROA) | 0.3739% | 4,469 |
| Pretax return on assets | 0.3739% | 4,527 |
| Return on Equity (ROE) | 1.8895% | 4,608 |
| Retained earnings to average equity (ytd only) | 0.5069% | 4,436 |
| Net charge-offs to loans | -0.0096% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6837% | 321 |
| Assets per employee ($millions) | 4.4336% | 4,152 |
| Cash dividends to net income (ytd only)* | 73.1707% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3211% | 57 |
| Loan loss allowance to noncurrent loans | 632.8947% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 3,002 |
| Noncurrent loans to loans | 0.6827% | 1,714 |
| Net loans and leases to total assets | 24.0225% | 4,782 |
| Net loans and leases to deposits | 29.9799% | 4,753 |
| Net loans and leases to core deposits | 30.7174% | 4,765 |
| Total domestic deposits to total assets | 80.1288% | 4,220 |
| Equity capital to assets | 19.6975% | 205 |
| Core capital (leverage) ratio | 18.3882% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,725,333 | 4,201 |
| Average earning assets | $84,234,667 | 4,152 |
| Average equity | $17,359,333 | 3,479 |
| Average total loans | $20,865,667 | 4,649 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0513% | 3,985 |
| Cost of funding earning assets | 0.3417% | 2,600 |
| Net interest margin | 2.7096% | 3,948 |
| Noninterest income to average assets | 0.3484% | 3,351 |
| Noninterest expense to average assets | 2.7140% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2521% | 4,588 |
| Return on assets (ROA) | 0.2521% | 4,612 |
| Pretax return on assets | 0.2521% | 4,641 |
| Return on Equity (ROE) | 1.2712% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.2712% | 4,165 |
| Net charge-offs to loans | -0.0198% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4992% | 337 |
| Assets per employee ($millions) | 4.3554% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5614% | 54 |
| Loan loss allowance to noncurrent loans | 981.6327% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,978 |
| Noncurrent loans to loans | 0.4647% | 2,461 |
| Net loans and leases to total assets | 23.1072% | 4,823 |
| Net loans and leases to deposits | 28.7551% | 4,810 |
| Net loans and leases to core deposits | 29.2367% | 4,822 |
| Total domestic deposits to total assets | 80.3586% | 4,152 |
| Equity capital to assets | 19.5025% | 203 |
| Core capital (leverage) ratio | 18.3717% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,252,500 | 4,221 |
| Average earning assets | $84,292,500 | 4,162 |
| Average equity | $17,306,000 | 3,486 |
| Average total loans | $20,167,000 | 4,690 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 3,595 |
| Cost of funding earning assets | 0.4375% | 3,362 |
| Net interest margin | 3.2542% | 3,194 |
| Noninterest income to average assets | 0.3286% | 3,489 |
| Noninterest expense to average assets | 3.0260% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4954% | 4,038 |
| Return on assets (ROA) | 0.6336% | 3,767 |
| Pretax return on assets | 0.5701% | 4,146 |
| Return on Equity (ROE) | 2.9613% | 4,391 |
| Retained earnings to average equity (ytd only) | 1.5650% | 4,006 |
| Net charge-offs to loans | 0.0869% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 17.3500% | 2,079 |
| Efficiency ratio | 87.5090% | 466 |
| Assets per employee ($millions) | 4.3699% | 4,045 |
| Cash dividends to net income (ytd only)* | 47.1513% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9938% | 38 |
| Loan loss allowance to noncurrent loans | 487.8173% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 2,607 |
| Noncurrent loans to loans | 1.0237% | 1,390 |
| Net loans and leases to total assets | 20.9192% | 4,875 |
| Net loans and leases to deposits | 26.2657% | 4,873 |
| Net loans and leases to core deposits | 26.7069% | 4,877 |
| Total domestic deposits to total assets | 79.6448% | 4,113 |
| Equity capital to assets | 20.1652% | 195 |
| Core capital (leverage) ratio | 18.8950% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,338,200 | 4,239 |
| Average earning assets | $77,253,400 | 4,197 |
| Average equity | $17,188,400 | 3,440 |
| Average total loans | $23,016,400 | 4,662 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 3,517 |
| Cost of funding earning assets | 0.4598% | 3,469 |
| Net interest margin | 3.3547% | 3,032 |
| Noninterest income to average assets | 0.3207% | 3,563 |
| Noninterest expense to average assets | 3.0782% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4616% | 4,140 |
| Return on assets (ROA) | 0.6194% | 3,809 |
| Pretax return on assets | 0.6194% | 4,071 |
| Return on Equity (ROE) | 2.8493% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.9126% | 3,958 |
| Net charge-offs to loans | 0.0612% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 24.7273% | 1,746 |
| Efficiency ratio | 86.9607% | 463 |
| Assets per employee ($millions) | 4.0690% | 4,269 |
| Cash dividends to net income (ytd only)* | 32.8767% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8105% | 71 |
| Loan loss allowance to noncurrent loans | 312.9032% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 2,637 |
| Noncurrent loans to loans | 1.2178% | 1,249 |
| Net loans and leases to total assets | 30.0888% | 4,822 |
| Net loans and leases to deposits | 38.5024% | 4,786 |
| Net loans and leases to core deposits | 39.2090% | 4,800 |
| Total domestic deposits to total assets | 78.1479% | 4,176 |
| Equity capital to assets | 21.5166% | 158 |
| Core capital (leverage) ratio | 19.8288% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,573,250 | 4,269 |
| Average earning assets | $75,394,500 | 4,228 |
| Average equity | $17,079,500 | 3,454 |
| Average total loans | $23,959,500 | 4,669 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 3,817 |
| Cost of funding earning assets | 0.4782% | 3,668 |
| Net interest margin | 3.3392% | 3,274 |
| Noninterest income to average assets | 0.3066% | 3,625 |
| Noninterest expense to average assets | 3.1042% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4044% | 4,225 |
| Return on assets (ROA) | 0.5616% | 3,933 |
| Pretax return on assets | 0.5616% | 4,131 |
| Return on Equity (ROE) | 2.5744% | 4,434 |
| Retained earnings to average equity (ytd only) | 1.1573% | 4,052 |
| Net charge-offs to loans | 0.0597% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 22.4286% | 1,628 |
| Efficiency ratio | 88.4728% | 434 |
| Assets per employee ($millions) | 4.0485% | 4,257 |
| Cash dividends to net income (ytd only)* | 55.0459% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9663% | 66 |
| Loan loss allowance to noncurrent loans | 354.1818% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 2,945 |
| Noncurrent loans to loans | 1.1198% | 1,407 |
| Net loans and leases to total assets | 29.1256% | 4,874 |
| Net loans and leases to deposits | 37.1878% | 4,843 |
| Net loans and leases to core deposits | 37.8703% | 4,855 |
| Total domestic deposits to total assets | 78.3204% | 4,143 |
| Equity capital to assets | 21.3338% | 168 |
| Core capital (leverage) ratio | 21.9408% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,638,000 | 4,285 |
| Average earning assets | $74,449,667 | 4,242 |
| Average equity | $16,936,000 | 3,469 |
| Average total loans | $23,460,667 | 4,701 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,795 |
| Cost of funding earning assets | 0.5093% | 3,897 |
| Net interest margin | 3.4873% | 3,025 |
| Noninterest income to average assets | 0.3528% | 3,409 |
| Noninterest expense to average assets | 3.2328% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4370% | 4,055 |
| Return on assets (ROA) | 0.6529% | 3,500 |
| Pretax return on assets | 0.6529% | 3,804 |
| Return on Equity (ROE) | 2.9582% | 4,226 |
| Retained earnings to average equity (ytd only) | 2.9582% | 3,100 |
| Net charge-offs to loans | 0.1397% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 1,768 |
| Efficiency ratio | 88.0918% | 582 |
| Assets per employee ($millions) | 3.8208% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1830% | 64 |
| Loan loss allowance to noncurrent loans | 540.5556% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 3,517 |
| Noncurrent loans to loans | 0.7738% | 2,069 |
| Net loans and leases to total assets | 29.1667% | 4,920 |
| Net loans and leases to deposits | 37.6061% | 4,879 |
| Net loans and leases to core deposits | 38.3430% | 4,897 |
| Total domestic deposits to total assets | 77.5584% | 4,288 |
| Equity capital to assets | 22.2807% | 166 |
| Core capital (leverage) ratio | 20.9983% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,972,000 | 4,319 |
| Average earning assets | $72,261,500 | 4,281 |
| Average equity | $16,767,000 | 3,492 |
| Average total loans | $22,912,500 | 4,747 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 3,336 |
| Cost of funding earning assets | 0.4689% | 4,208 |
| Net interest margin | 3.9001% | 2,172 |
| Noninterest income to average assets | 0.4073% | 3,252 |
| Noninterest expense to average assets | 3.3505% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8213% | 3,483 |
| Return on assets (ROA) | 0.9268% | 3,180 |
| Pretax return on assets | 0.8947% | 3,757 |
| Return on Equity (ROE) | 4.3722% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.8602% | 3,609 |
| Net charge-offs to loans | 0.0655% | 2,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 36.9375% | 1,385 |
| Efficiency ratio | 80.9355% | 871 |
| Assets per employee ($millions) | 3.7764% | 4,175 |
| Cash dividends to net income (ytd only)* | 34.5821% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3476% | 48 |
| Loan loss allowance to noncurrent loans | 436.0000% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,246 |
| Noncurrent loans to loans | 0.9972% | 1,521 |
| Net loans and leases to total assets | 28.5762% | 4,988 |
| Net loans and leases to deposits | 36.6236% | 4,966 |
| Net loans and leases to core deposits | 37.3428% | 4,980 |
| Total domestic deposits to total assets | 78.0267% | 4,353 |
| Equity capital to assets | 21.8568% | 185 |
| Core capital (leverage) ratio | 20.7593% | 209 |
| Tier 1 risk-based capital ratio | 47.5702% | 154 |
| Total risk-based capital ratio | 48.8414% | 147 |
| Memoranda: | ||
| Average total assets | $74,884,400 | 4,362 |
| Average earning assets | $71,664,000 | 4,320 |
| Average equity | $15,873,000 | 3,554 |
| Average total loans | $24,425,600 | 4,770 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 3,446 |
| Cost of funding earning assets | 0.4625% | 4,295 |
| Net interest margin | 3.9087% | 2,220 |
| Noninterest income to average assets | 0.4211% | 3,199 |
| Noninterest expense to average assets | 3.3652% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7655% | 3,793 |
| Return on assets (ROA) | 0.8957% | 3,436 |
| Pretax return on assets | 0.9314% | 3,788 |
| Return on Equity (ROE) | 4.2593% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.2411% | 3,789 |
| Net charge-offs to loans | 0.0321% | 2,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 74.3313% | 907 |
| Efficiency ratio | 80.8748% | 845 |
| Assets per employee ($millions) | 3.4849% | 4,512 |
| Cash dividends to net income (ytd only)* | 23.9049% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8000% | 74 |
| Loan loss allowance to noncurrent loans | 402.8455% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,184 |
| Noncurrent loans to loans | 0.9433% | 1,706 |
| Net loans and leases to total assets | 34.2812% | 4,984 |
| Net loans and leases to deposits | 44.4224% | 4,902 |
| Net loans and leases to core deposits | 45.3294% | 4,932 |
| Total domestic deposits to total assets | 77.1709% | 4,491 |
| Equity capital to assets | 22.5421% | 169 |
| Core capital (leverage) ratio | 20.9741% | 204 |
| Tier 1 risk-based capital ratio | 39.1628% | 260 |
| Total risk-based capital ratio | 40.4276% | 256 |
| Memoranda: | ||
| Average total assets | $74,723,500 | 4,420 |
| Average earning assets | $71,497,500 | 4,377 |
| Average equity | $15,714,250 | 3,608 |
| Average total loans | $24,891,000 | 4,822 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 3,480 |
| Cost of funding earning assets | 0.4442% | 4,345 |
| Net interest margin | 3.9086% | 2,219 |
| Noninterest income to average assets | 0.4200% | 3,136 |
| Noninterest expense to average assets | 3.4026% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7363% | 3,878 |
| Return on assets (ROA) | 0.8453% | 3,547 |
| Pretax return on assets | 0.8453% | 3,987 |
| Return on Equity (ROE) | 4.1156% | 4,558 |
| Retained earnings to average equity (ytd only) | 2.5626% | 3,914 |
| Net charge-offs to loans | 0.0082% | 2,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 289 |
| Efficiency ratio | 82.2094% | 789 |
| Assets per employee ($millions) | 3.4087% | 4,594 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9380% | 65 |
| Loan loss allowance to noncurrent loans | 526.9841% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 3,562 |
| Noncurrent loans to loans | 0.7473% | 2,120 |
| Net loans and leases to total assets | 32.3986% | 5,064 |
| Net loans and leases to deposits | 41.3901% | 5,015 |
| Net loans and leases to core deposits | 42.1989% | 5,043 |
| Total domestic deposits to total assets | 78.2761% | 4,346 |
| Equity capital to assets | 21.4586% | 191 |
| Core capital (leverage) ratio | 21.1719% | 186 |
| Tier 1 risk-based capital ratio | 40.4566% | 228 |
| Total risk-based capital ratio | 41.7213% | 227 |
| Memoranda: | ||
| Average total assets | $75,237,000 | 4,447 |
| Average earning assets | $71,585,000 | 4,411 |
| Average equity | $15,453,330 | 3,639 |
| Average total loans | $24,495,000 | 4,872 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 3,392 |
| Cost of funding earning assets | 0.4084% | 4,449 |
| Net interest margin | 3.9441% | 2,049 |
| Noninterest income to average assets | 0.3875% | 3,274 |
| Noninterest expense to average assets | 3.5297% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5998% | 4,247 |
| Return on assets (ROA) | 0.6104% | 4,246 |
| Pretax return on assets | 0.6104% | 4,493 |
| Return on Equity (ROE) | 3.0395% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.0395% | 3,719 |
| Net charge-offs to loans | 0.0498% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,193 |
| Efficiency ratio | 85.4756% | 616 |
| Assets per employee ($millions) | 3.4433% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0272% | 60 |
| Loan loss allowance to noncurrent loans | 903.6364% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 3,649 |
| Noncurrent loans to loans | 0.4457% | 2,990 |
| Net loans and leases to total assets | 31.2700% | 5,129 |
| Net loans and leases to deposits | 39.3842% | 5,087 |
| Net loans and leases to core deposits | 40.1321% | 5,106 |
| Total domestic deposits to total assets | 79.3975% | 4,276 |
| Equity capital to assets | 20.4018% | 228 |
| Core capital (leverage) ratio | 20.8487% | 206 |
| Tier 1 risk-based capital ratio | 40.4512% | 228 |
| Total risk-based capital ratio | 41.7159% | 225 |
| Memoranda: | ||
| Average total assets | $75,360,000 | 4,499 |
| Average earning assets | $71,499,000 | 4,457 |
| Average equity | $15,134,000 | 3,687 |
| Average total loans | $24,096,500 | 4,938 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 2,798 |
| Cost of funding earning assets | 0.3891% | 4,051 |
| Net interest margin | 3.9997% | 1,985 |
| Noninterest income to average assets | 0.5057% | 2,807 |
| Noninterest expense to average assets | 3.2974% | 1,331 |
| Loan and lease loss provision to assets | 0.0511% | 3,163 |
| Net operating income to assets | 1.0280% | 2,897 |
| Return on assets (ROA) | 1.0842% | 2,659 |
| Pretax return on assets | 1.0600% | 3,410 |
| Return on Equity (ROE) | 5.8289% | 4,228 |
| Retained earnings to average equity (ytd only) | 4.1811% | 3,250 |
| Net charge-offs to loans | 0.2419% | 805 |
| Credit loss provision to net charge-offs | 64.5161% | 3,055 |
| Earnings coverage of net charge-offs (x) | 13.3226% | 2,473 |
| Efficiency ratio | 75.7629% | 1,397 |
| Assets per employee ($millions) | 3.4076% | 4,653 |
| Cash dividends to net income (ytd only)* | 28.2686% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2406% | 46 |
| Loan loss allowance to noncurrent loans | 376.2264% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 2,753 |
| Noncurrent loans to loans | 1.1271% | 1,424 |
| Net loans and leases to total assets | 30.0319% | 5,207 |
| Net loans and leases to deposits | 37.5797% | 5,164 |
| Net loans and leases to core deposits | 38.2943% | 5,185 |
| Total domestic deposits to total assets | 79.9152% | 4,125 |
| Equity capital to assets | 19.7594% | 240 |
| Core capital (leverage) ratio | 18.5620% | 287 |
| Tier 1 risk-based capital ratio | 37.0843% | 279 |
| Total risk-based capital ratio | 38.3531% | 275 |
| Memoranda: | ||
| Average total assets | $78,305,200 | 4,455 |
| Average earning assets | $75,305,200 | 4,396 |
| Average equity | $14,565,400 | 3,690 |
| Average total loans | $25,632,400 | 4,920 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,824 |
| Cost of funding earning assets | 0.3864% | 3,964 |
| Net interest margin | 3.9510% | 2,127 |
| Noninterest income to average assets | 0.5863% | 2,383 |
| Noninterest expense to average assets | 3.2297% | 1,458 |
| Loan and lease loss provision to assets | 0.0674% | 2,633 |
| Net operating income to assets | 0.9598% | 3,268 |
| Return on assets (ROA) | 1.0176% | 3,027 |
| Pretax return on assets | 1.1625% | 3,150 |
| Return on Equity (ROE) | 5.5525% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.4494% | 3,524 |
| Net charge-offs to loans | 0.3822% | 423 |
| Credit loss provision to net charge-offs | 53.3333% | 2,802 |
| Earnings coverage of net charge-offs (x) | 9.2131% | 2,657 |
| Efficiency ratio | 73.5046% | 1,660 |
| Assets per employee ($millions) | 3.3866% | 4,697 |
| Cash dividends to net income (ytd only)* | 19.8681% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5593% | 83 |
| Loan loss allowance to noncurrent loans | 315.3846% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,558 |
| Noncurrent loans to loans | 1.1286% | 1,505 |
| Net loans and leases to total assets | 35.7850% | 5,151 |
| Net loans and leases to deposits | 44.4819% | 5,098 |
| Net loans and leases to core deposits | 45.3258% | 5,129 |
| Total domestic deposits to total assets | 80.4486% | 4,009 |
| Equity capital to assets | 19.1636% | 267 |
| Core capital (leverage) ratio | 20.5381% | 215 |
| Tier 1 risk-based capital ratio | 41.2255% | 216 |
| Total risk-based capital ratio | 42.4913% | 213 |
| Memoranda: | ||
| Average total assets | $79,139,750 | 4,489 |
| Average earning assets | $76,265,000 | 4,423 |
| Average equity | $14,503,500 | 3,723 |
| Average total loans | $26,162,750 | 4,961 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 2,933 |
| Cost of funding earning assets | 0.3825% | 3,852 |
| Net interest margin | 3.8711% | 2,308 |
| Noninterest income to average assets | 0.6916% | 1,903 |
| Noninterest expense to average assets | 3.1877% | 1,567 |
| Loan and lease loss provision to assets | 0.0992% | 1,957 |
| Net operating income to assets | 0.9893% | 3,067 |
| Return on assets (ROA) | 1.0411% | 2,849 |
| Pretax return on assets | 1.2022% | 2,937 |
| Return on Equity (ROE) | 5.7618% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.1156% | 3,551 |
| Net charge-offs to loans | 0.5454% | 268 |
| Credit loss provision to net charge-offs | 57.1429% | 2,449 |
| Earnings coverage of net charge-offs (x) | 7.1571% | 2,570 |
| Efficiency ratio | 71.9642% | 2,015 |
| Assets per employee ($millions) | 3.5498% | 4,533 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6947% | 70 |
| Loan loss allowance to noncurrent loans | 150.0759% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 1,552 |
| Noncurrent loans to loans | 2.4619% | 531 |
| Net loans and leases to total assets | 33.0098% | 5,268 |
| Net loans and leases to deposits | 40.6141% | 5,230 |
| Net loans and leases to core deposits | 41.3390% | 5,258 |
| Total domestic deposits to total assets | 81.2767% | 3,925 |
| Equity capital to assets | 18.5236% | 287 |
| Core capital (leverage) ratio | 19.3282% | 252 |
| Tier 1 risk-based capital ratio | 36.3221% | 295 |
| Total risk-based capital ratio | 37.5850% | 287 |
| Memoranda: | ||
| Average total assets | $80,684,330 | 4,507 |
| Average earning assets | $77,910,330 | 4,441 |
| Average equity | $14,578,670 | 3,738 |
| Average total loans | $25,668,330 | 5,034 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 2,909 |
| Cost of funding earning assets | 0.3788% | 3,745 |
| Net interest margin | 3.8129% | 2,370 |
| Noninterest income to average assets | 0.3513% | 3,795 |
| Noninterest expense to average assets | 3.1813% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7632% | 3,861 |
| Return on assets (ROA) | 0.8588% | 3,476 |
| Pretax return on assets | 0.9612% | 3,662 |
| Return on Equity (ROE) | 4.8104% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.8104% | 3,256 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8392% | 1,276 |
| Assets per employee ($millions) | 3.5512% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9597% | 66 |
| Loan loss allowance to noncurrent loans | 152.0896% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 1,831 |
| Noncurrent loans to loans | 2.6036% | 507 |
| Net loans and leases to total assets | 30.2594% | 5,360 |
| Net loans and leases to deposits | 36.8424% | 5,342 |
| Net loans and leases to core deposits | 37.0412% | 5,373 |
| Total domestic deposits to total assets | 82.1321% | 3,919 |
| Equity capital to assets | 17.7308% | 337 |
| Core capital (leverage) ratio | 18.6649% | 273 |
| Tier 1 risk-based capital ratio | 37.0258% | 278 |
| Total risk-based capital ratio | 38.2920% | 271 |
| Memoranda: | ||
| Average total assets | $81,979,000 | 4,533 |
| Average earning assets | $79,205,500 | 4,461 |
| Average equity | $14,635,000 | 3,753 |
| Average total loans | $25,118,500 | 5,100 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,581 |
| Cost of funding earning assets | 0.3747% | 3,470 |
| Net interest margin | 3.8546% | 2,238 |
| Noninterest income to average assets | 0.3435% | 4,006 |
| Noninterest expense to average assets | 3.1194% | 1,803 |
| Loan and lease loss provision to assets | 0.0060% | 4,144 |
| Net operating income to assets | 0.8618% | 2,910 |
| Return on assets (ROA) | 0.9708% | 2,406 |
| Pretax return on assets | 1.0689% | 3,307 |
| Return on Equity (ROE) | 5.1229% | 4,110 |
| Retained earnings to average equity (ytd only) | -34.2935% | 5,649 |
| Net charge-offs to loans | 0.0408% | 2,970 |
| Credit loss provision to net charge-offs | 45.4545% | 3,380 |
| Earnings coverage of net charge-offs (x) | 72.5455% | 827 |
| Efficiency ratio | 76.5570% | 1,548 |
| Assets per employee ($millions) | 3.5774% | 4,603 |
| Cash dividends to net income (ytd only)* | 769.4205% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1628% | 55 |
| Loan loss allowance to noncurrent loans | 170.0000% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 1,877 |
| Noncurrent loans to loans | 2.4487% | 557 |
| Net loans and leases to total assets | 28.5400% | 5,456 |
| Net loans and leases to deposits | 34.8206% | 5,449 |
| Net loans and leases to core deposits | 35.0069% | 5,474 |
| Total domestic deposits to total assets | 81.9630% | 3,879 |
| Equity capital to assets | 17.9726% | 318 |
| Core capital (leverage) ratio | 17.8984% | 301 |
| Tier 1 risk-based capital ratio | 37.4443% | 266 |
| Total risk-based capital ratio | 38.7117% | 262 |
| Memoranda: | ||
| Average total assets | $83,542,000 | 4,521 |
| Average earning assets | $80,865,000 | 4,449 |
| Average equity | $15,831,000 | 3,619 |
| Average total loans | $26,949,400 | 5,095 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,597 |
| Cost of funding earning assets | 0.3730% | 3,438 |
| Net interest margin | 3.8320% | 2,279 |
| Noninterest income to average assets | 0.3403% | 4,104 |
| Noninterest expense to average assets | 3.1052% | 1,784 |
| Loan and lease loss provision to assets | 0.0080% | 3,973 |
| Net operating income to assets | 0.8581% | 3,239 |
| Return on assets (ROA) | 0.9985% | 2,616 |
| Pretax return on assets | 1.0875% | 3,347 |
| Return on Equity (ROE) | 5.2033% | 4,444 |
| Retained earnings to average equity (ytd only) | -45.5046% | 5,718 |
| Net charge-offs to loans | 0.0629% | 2,214 |
| Credit loss provision to net charge-offs | 38.4615% | 3,005 |
| Earnings coverage of net charge-offs (x) | 45.6232% | 1,187 |
| Efficiency ratio | 76.7086% | 1,497 |
| Assets per employee ($millions) | 3.5167% | 4,711 |
| Cash dividends to net income (ytd only)* | 974.5256% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4972% | 93 |
| Loan loss allowance to noncurrent loans | 159.0625% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 1,986 |
| Noncurrent loans to loans | 2.1986% | 742 |
| Net loans and leases to total assets | 34.7300% | 5,395 |
| Net loans and leases to deposits | 42.8504% | 5,341 |
| Net loans and leases to core deposits | 43.0857% | 5,388 |
| Total domestic deposits to total assets | 81.0494% | 4,030 |
| Equity capital to assets | 18.6279% | 290 |
| Core capital (leverage) ratio | 18.1423% | 299 |
| Tier 1 risk-based capital ratio | 33.4415% | 368 |
| Total risk-based capital ratio | 34.7053% | 360 |
| Memoranda: | ||
| Average total assets | $83,857,250 | 4,562 |
| Average earning assets | $81,139,250 | 4,487 |
| Average equity | $16,091,750 | 3,617 |
| Average total loans | $27,561,000 | 5,134 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 2,694 |
| Cost of funding earning assets | 0.3682% | 3,401 |
| Net interest margin | 3.7768% | 2,376 |
| Noninterest income to average assets | 0.3465% | 4,074 |
| Noninterest expense to average assets | 3.0808% | 1,885 |
| Loan and lease loss provision to assets | 0.0118% | 3,722 |
| Net operating income to assets | 0.7903% | 3,442 |
| Return on assets (ROA) | 0.9051% | 2,936 |
| Pretax return on assets | 1.0371% | 3,418 |
| Return on Equity (ROE) | 4.6734% | 4,611 |
| Retained earnings to average equity (ytd only) | -69.8093% | 5,770 |
| Net charge-offs to loans | 0.0740% | 1,881 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 38.9000% | 1,269 |
| Efficiency ratio | 77.0637% | 1,577 |
| Assets per employee ($millions) | 3.6130% | 4,556 |
| Cash dividends to net income (ytd only)* | 1,593.7500% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7308% | 76 |
| Loan loss allowance to noncurrent loans | 243.0952% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 2,835 |
| Noncurrent loans to loans | 1.5347% | 1,220 |
| Net loans and leases to total assets | 31.7040% | 5,505 |
| Net loans and leases to deposits | 38.7738% | 5,486 |
| Net loans and leases to core deposits | 38.9786% | 5,524 |
| Total domestic deposits to total assets | 81.7665% | 3,953 |
| Equity capital to assets | 17.9771% | 326 |
| Core capital (leverage) ratio | 17.1129% | 365 |
| Tier 1 risk-based capital ratio | 35.3251% | 294 |
| Total risk-based capital ratio | 36.5895% | 288 |
| Memoranda: | ||
| Average total assets | $84,848,330 | 4,574 |
| Average earning assets | $82,026,330 | 4,503 |
| Average equity | $16,433,330 | 3,586 |
| Average total loans | $27,045,000 | 5,189 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 2,702 |
| Cost of funding earning assets | 0.3631% | 3,382 |
| Net interest margin | 3.7231% | 2,409 |
| Noninterest income to average assets | 0.3453% | 4,083 |
| Noninterest expense to average assets | 3.0564% | 1,992 |
| Loan and lease loss provision to assets | 0.0233% | 3,277 |
| Net operating income to assets | 0.7216% | 3,608 |
| Return on assets (ROA) | 0.9239% | 2,704 |
| Pretax return on assets | 1.0919% | 3,020 |
| Return on Equity (ROE) | 4.6099% | 4,561 |
| Retained earnings to average equity (ytd only) | -135.0834% | 5,848 |
| Net charge-offs to loans | 0.1637% | 991 |
| Credit loss provision to net charge-offs | 45.4545% | 2,022 |
| Earnings coverage of net charge-offs (x) | 17.0909% | 1,612 |
| Efficiency ratio | 77.6987% | 1,673 |
| Assets per employee ($millions) | 3.7308% | 4,444 |
| Cash dividends to net income (ytd only)* | 3,030.3030% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8353% | 88 |
| Loan loss allowance to noncurrent loans | 284.9162% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 3,513 |
| Noncurrent loans to loans | 1.3461% | 1,502 |
| Net loans and leases to total assets | 29.8049% | 5,593 |
| Net loans and leases to deposits | 35.8998% | 5,586 |
| Net loans and leases to core deposits | 36.0801% | 5,618 |
| Total domestic deposits to total assets | 83.0226% | 3,824 |
| Equity capital to assets | 16.7688% | 402 |
| Core capital (leverage) ratio | 16.8221% | 379 |
| Tier 1 risk-based capital ratio | 35.9102% | 303 |
| Total risk-based capital ratio | 37.1771% | 298 |
| Memoranda: | ||
| Average total assets | $85,722,500 | 4,612 |
| Average earning assets | $82,619,000 | 4,536 |
| Average equity | $17,180,500 | 3,524 |
| Average total loans | $26,884,000 | 5,242 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 2,534 |
| Cost of funding earning assets | 0.3722% | 3,294 |
| Net interest margin | 3.8131% | 2,268 |
| Noninterest income to average assets | 0.3666% | 4,125 |
| Noninterest expense to average assets | 2.9699% | 2,438 |
| Loan and lease loss provision to assets | 0.0576% | 3,232 |
| Net operating income to assets | 1.0086% | 2,319 |
| Return on assets (ROA) | 1.1667% | 1,714 |
| Pretax return on assets | 1.1852% | 2,737 |
| Return on Equity (ROE) | 4.9178% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.7515% | 3,247 |
| Net charge-offs to loans | 0.0729% | 2,655 |
| Credit loss provision to net charge-offs | 238.0952% | 1,217 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 1,089 |
| Efficiency ratio | 73.3068% | 2,373 |
| Assets per employee ($millions) | 3.7233% | 4,443 |
| Cash dividends to net income (ytd only)* | 23.7154% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7758% | 91 |
| Loan loss allowance to noncurrent loans | 247.2289% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 3,323 |
| Noncurrent loans to loans | 1.5273% | 1,308 |
| Net loans and leases to total assets | 30.5324% | 5,633 |
| Net loans and leases to deposits | 39.8588% | 5,558 |
| Net loans and leases to core deposits | 40.0757% | 5,593 |
| Total domestic deposits to total assets | 76.6012% | 5,168 |
| Equity capital to assets | 23.3217% | 122 |
| Core capital (leverage) ratio | 23.5914% | 117 |
| Tier 1 risk-based capital ratio | 47.7248% | 152 |
| Total risk-based capital ratio | 48.9892% | 149 |
| Memoranda: | ||
| Average total assets | $86,737,000 | 4,608 |
| Average earning assets | $83,816,800 | 4,521 |
| Average equity | $20,578,400 | 3,112 |
| Average total loans | $28,800,000 | 5,235 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,663 |
| Cost of funding earning assets | 0.3742% | 3,292 |
| Net interest margin | 3.7817% | 2,403 |
| Noninterest income to average assets | 0.3754% | 4,096 |
| Noninterest expense to average assets | 2.9558% | 2,440 |
| Loan and lease loss provision to assets | 0.0536% | 3,186 |
| Net operating income to assets | 0.9231% | 2,793 |
| Return on assets (ROA) | 1.1079% | 2,066 |
| Pretax return on assets | 1.2259% | 2,727 |
| Return on Equity (ROE) | 4.6502% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.8783% | 3,541 |
| Net charge-offs to loans | -0.0091% | 4,749 |
| Credit loss provision to net charge-offs | -1,750.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3460% | 2,386 |
| Assets per employee ($millions) | 3.6933% | 4,489 |
| Cash dividends to net income (ytd only)* | 16.5979% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4805% | 118 |
| Loan loss allowance to noncurrent loans | 203.9448% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 3,119 |
| Noncurrent loans to loans | 1.7066% | 1,228 |
| Net loans and leases to total assets | 33.7552% | 5,629 |
| Net loans and leases to deposits | 45.3201% | 5,478 |
| Net loans and leases to core deposits | 45.5751% | 5,525 |
| Total domestic deposits to total assets | 74.4817% | 5,384 |
| Equity capital to assets | 24.9297% | 108 |
| Core capital (leverage) ratio | 23.3543% | 118 |
| Tier 1 risk-based capital ratio | 44.9506% | 179 |
| Total risk-based capital ratio | 46.2138% | 178 |
| Memoranda: | ||
| Average total assets | $87,012,000 | 4,633 |
| Average earning assets | $84,088,000 | 4,553 |
| Average equity | $20,730,000 | 3,119 |
| Average total loans | $29,206,750 | 5,270 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 2,674 |
| Cost of funding earning assets | 0.3736% | 3,320 |
| Net interest margin | 3.7765% | 2,419 |
| Noninterest income to average assets | 0.3877% | 3,970 |
| Noninterest expense to average assets | 2.9373% | 2,557 |
| Loan and lease loss provision to assets | 0.0684% | 2,771 |
| Net operating income to assets | 0.9488% | 2,628 |
| Return on assets (ROA) | 1.1015% | 2,077 |
| Pretax return on assets | 1.1881% | 2,827 |
| Return on Equity (ROE) | 4.6936% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.5275% | 3,652 |
| Net charge-offs to loans | -0.0138% | 4,800 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8919% | 2,534 |
| Assets per employee ($millions) | 3.7515% | 4,357 |
| Cash dividends to net income (ytd only)* | 24.8447% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5821% | 114 |
| Loan loss allowance to noncurrent loans | 209.3496% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,311 |
| Noncurrent loans to loans | 1.7111% | 1,238 |
| Net loans and leases to total assets | 32.1307% | 5,738 |
| Net loans and leases to deposits | 42.8899% | 5,594 |
| Net loans and leases to core deposits | 43.1254% | 5,647 |
| Total domestic deposits to total assets | 74.9145% | 5,422 |
| Equity capital to assets | 24.4341% | 108 |
| Core capital (leverage) ratio | 22.7691% | 119 |
| Tier 1 risk-based capital ratio | 45.6505% | 169 |
| Total risk-based capital ratio | 46.9126% | 167 |
| Memoranda: | ||
| Average total assets | $87,700,330 | 4,661 |
| Average earning assets | $84,575,330 | 4,575 |
| Average equity | $20,581,000 | 3,136 |
| Average total loans | $29,039,670 | 5,329 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 2,716 |
| Cost of funding earning assets | 0.3762% | 3,341 |
| Net interest margin | 3.7571% | 2,445 |
| Noninterest income to average assets | 0.4343% | 3,582 |
| Noninterest expense to average assets | 2.9681% | 2,489 |
| Loan and lease loss provision to assets | 0.0679% | 2,600 |
| Net operating income to assets | 0.8572% | 2,961 |
| Return on assets (ROA) | 0.8687% | 3,019 |
| Pretax return on assets | 1.0271% | 3,378 |
| Return on Equity (ROE) | 3.7777% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,607 |
| Net charge-offs to loans | -0.0137% | 4,671 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2961% | 2,591 |
| Assets per employee ($millions) | 3.6125% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5485% | 126 |
| Loan loss allowance to noncurrent loans | 398.8189% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 4,395 |
| Noncurrent loans to loans | 0.8898% | 2,620 |
| Net loans and leases to total assets | 31.7582% | 5,785 |
| Net loans and leases to deposits | 41.8424% | 5,657 |
| Net loans and leases to core deposits | 42.0675% | 5,707 |
| Total domestic deposits to total assets | 75.8994% | 5,417 |
| Equity capital to assets | 23.6496% | 115 |
| Core capital (leverage) ratio | 24.5178% | 99 |
| Tier 1 risk-based capital ratio | 51.9111% | 122 |
| Total risk-based capital ratio | 53.1757% | 120 |
| Memoranda: | ||
| Average total assets | $88,408,000 | 4,687 |
| Average earning assets | $85,065,000 | 4,596 |
| Average equity | $20,330,000 | 3,162 |
| Average total loans | $29,182,500 | 5,369 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 2,431 |
| Cost of funding earning assets | 0.4115% | 3,038 |
| Net interest margin | 3.8246% | 2,288 |
| Noninterest income to average assets | 0.3543% | 4,370 |
| Noninterest expense to average assets | 2.8638% | 2,982 |
| Loan and lease loss provision to assets | 0.0965% | 2,380 |
| Net operating income to assets | 1.0052% | 2,337 |
| Return on assets (ROA) | 1.1389% | 1,841 |
| Pretax return on assets | 1.2434% | 2,493 |
| Return on Equity (ROE) | 5.1030% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.8819% | 3,274 |
| Net charge-offs to loans | 0.2355% | 1,264 |
| Credit loss provision to net charge-offs | 113.3333% | 2,245 |
| Earnings coverage of net charge-offs (x) | 14.0267% | 2,327 |
| Efficiency ratio | 70.5652% | 3,135 |
| Assets per employee ($millions) | 3.7549% | 4,365 |
| Cash dividends to net income (ytd only)* | 23.9282% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3436% | 154 |
| Loan loss allowance to noncurrent loans | 213.0342% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 3,371 |
| Noncurrent loans to loans | 1.5695% | 1,466 |
| Net loans and leases to total assets | 31.9818% | 5,837 |
| Net loans and leases to deposits | 41.3382% | 5,730 |
| Net loans and leases to core deposits | 41.5474% | 5,776 |
| Total domestic deposits to total assets | 77.3661% | 5,260 |
| Equity capital to assets | 22.3665% | 133 |
| Core capital (leverage) ratio | 21.8178% | 135 |
| Tier 1 risk-based capital ratio | 43.8092% | 185 |
| Total risk-based capital ratio | 45.0739% | 182 |
| Memoranda: | ||
| Average total assets | $88,064,400 | 4,710 |
| Average earning assets | $85,290,400 | 4,605 |
| Average equity | $19,655,200 | 3,207 |
| Average total loans | $31,841,400 | 5,302 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,472 |
| Cost of funding earning assets | 0.4157% | 3,058 |
| Net interest margin | 3.8168% | 2,323 |
| Noninterest income to average assets | 0.3548% | 4,406 |
| Noninterest expense to average assets | 2.8447% | 3,021 |
| Loan and lease loss provision to assets | 0.1294% | 1,745 |
| Net operating income to assets | 0.9481% | 2,719 |
| Return on assets (ROA) | 1.1071% | 2,055 |
| Pretax return on assets | 1.2686% | 2,516 |
| Return on Equity (ROE) | 4.9632% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.1439% | 3,519 |
| Net charge-offs to loans | 0.2473% | 1,059 |
| Credit loss provision to net charge-offs | 141.6667% | 1,755 |
| Earnings coverage of net charge-offs (x) | 13.2996% | 2,338 |
| Efficiency ratio | 70.0675% | 3,204 |
| Assets per employee ($millions) | 3.5660% | 4,676 |
| Cash dividends to net income (ytd only)* | 16.5066% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0939% | 221 |
| Loan loss allowance to noncurrent loans | 261.0825% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 3,781 |
| Noncurrent loans to loans | 1.1850% | 2,158 |
| Net loans and leases to total assets | 37.0731% | 5,744 |
| Net loans and leases to deposits | 48.3925% | 5,543 |
| Net loans and leases to core deposits | 48.6522% | 5,625 |
| Total domestic deposits to total assets | 76.6092% | 5,404 |
| Equity capital to assets | 23.1559% | 126 |
| Core capital (leverage) ratio | 22.6848% | 123 |
| Tier 1 risk-based capital ratio | 44.7280% | 185 |
| Total risk-based capital ratio | 45.9906% | 184 |
| Memoranda: | ||
| Average total assets | $87,551,250 | 4,776 |
| Average earning assets | $84,990,500 | 4,660 |
| Average equity | $19,530,000 | 3,247 |
| Average total loans | $32,347,250 | 5,346 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 2,638 |
| Cost of funding earning assets | 0.4159% | 3,084 |
| Net interest margin | 3.7572% | 2,488 |
| Noninterest income to average assets | 0.3492% | 4,461 |
| Noninterest expense to average assets | 2.7504% | 3,409 |
| Loan and lease loss provision to assets | 0.1701% | 1,229 |
| Net operating income to assets | 0.9551% | 2,606 |
| Return on assets (ROA) | 1.1246% | 1,947 |
| Pretax return on assets | 1.2652% | 2,488 |
| Return on Equity (ROE) | 5.1045% | 4,570 |
| Retained earnings to average equity (ytd only) | 3.8695% | 3,542 |
| Net charge-offs to loans | 0.0124% | 3,483 |
| Credit loss provision to net charge-offs | 3,750.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 274.5000% | 251 |
| Efficiency ratio | 68.8422% | 3,520 |
| Assets per employee ($millions) | 3.3760% | 5,032 |
| Cash dividends to net income (ytd only)* | 24.1935% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2773% | 198 |
| Loan loss allowance to noncurrent loans | 125.8600% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 2,574 |
| Noncurrent loans to loans | 2.6039% | 847 |
| Net loans and leases to total assets | 35.6734% | 5,835 |
| Net loans and leases to deposits | 45.8349% | 5,687 |
| Net loans and leases to core deposits | 46.0695% | 5,761 |
| Total domestic deposits to total assets | 77.8302% | 5,307 |
| Equity capital to assets | 22.0023% | 153 |
| Core capital (leverage) ratio | 21.4362% | 151 |
| Tier 1 risk-based capital ratio | 40.7300% | 246 |
| Total risk-based capital ratio | 41.9946% | 244 |
| Memoranda: | ||
| Average total assets | $88,206,670 | 4,810 |
| Average earning assets | $85,595,000 | 4,688 |
| Average equity | $19,434,000 | 3,274 |
| Average total loans | $32,215,670 | 5,395 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 2,882 |
| Cost of funding earning assets | 0.4102% | 3,188 |
| Net interest margin | 3.6783% | 2,706 |
| Noninterest income to average assets | 0.3212% | 4,623 |
| Noninterest expense to average assets | 2.7912% | 3,280 |
| Loan and lease loss provision to assets | 0.2036% | 896 |
| Net operating income to assets | 0.7490% | 3,542 |
| Return on assets (ROA) | 0.9048% | 2,847 |
| Pretax return on assets | 1.0812% | 3,155 |
| Return on Equity (ROE) | 4.1037% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.1037% | 3,542 |
| Net charge-offs to loans | -0.0622% | 5,632 |
| Credit loss provision to net charge-offs | -900.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7442% | 3,212 |
| Assets per employee ($millions) | 3.5669% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2640% | 222 |
| Loan loss allowance to noncurrent loans | 122.1176% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 2,679 |
| Noncurrent loans to loans | 2.6729% | 889 |
| Net loans and leases to total assets | 34.4981% | 5,903 |
| Net loans and leases to deposits | 44.4636% | 5,740 |
| Net loans and leases to core deposits | 44.6883% | 5,821 |
| Total domestic deposits to total assets | 77.5874% | 5,522 |
| Equity capital to assets | 22.0672% | 151 |
| Core capital (leverage) ratio | 20.9694% | 171 |
| Tier 1 risk-based capital ratio | 54.8549% | 124 |
| Total risk-based capital ratio | 56.1096% | 122 |
| Memoranda: | ||
| Average total assets | $88,421,500 | 4,852 |
| Average earning assets | $85,801,500 | 4,727 |
| Average equity | $19,494,500 | 3,292 |
| Average total loans | $32,136,500 | 5,433 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,930 |
| Cost of funding earning assets | 0.4861% | 2,818 |
| Net interest margin | 3.9999% | 1,898 |
| Noninterest income to average assets | 0.3412% | 4,665 |
| Noninterest expense to average assets | 2.8036% | 3,464 |
| Loan and lease loss provision to assets | 0.2345% | 1,027 |
| Net operating income to assets | 1.0429% | 2,201 |
| Return on assets (ROA) | 1.1069% | 2,002 |
| Pretax return on assets | 1.2230% | 2,556 |
| Return on Equity (ROE) | 5.1334% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.8283% | 3,491 |
| Net charge-offs to loans | 0.4428% | 952 |
| Credit loss provision to net charge-offs | 131.5789% | 1,812 |
| Earnings coverage of net charge-offs (x) | 7.7829% | 2,976 |
| Efficiency ratio | 66.8998% | 4,077 |
| Assets per employee ($millions) | 3.5068% | 4,885 |
| Cash dividends to net income (ytd only)* | 25.4237% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0426% | 287 |
| Loan loss allowance to noncurrent loans | 150.8397% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 3,309 |
| Noncurrent loans to loans | 2.0171% | 1,375 |
| Net loans and leases to total assets | 35.9119% | 5,960 |
| Net loans and leases to deposits | 46.1723% | 5,787 |
| Net loans and leases to core deposits | 46.4078% | 5,872 |
| Total domestic deposits to total assets | 77.7780% | 5,475 |
| Equity capital to assets | 22.0269% | 152 |
| Core capital (leverage) ratio | 21.6783% | 147 |
| Tier 1 risk-based capital ratio | 43.5764% | 192 |
| Total risk-based capital ratio | 44.8396% | 190 |
| Memoranda: | ||
| Average total assets | $85,283,400 | 4,934 |
| Average earning assets | $82,076,600 | 4,854 |
| Average equity | $18,389,200 | 3,359 |
| Average total loans | $34,327,400 | 5,387 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 1,817 |
| Cost of funding earning assets | 0.4994% | 2,773 |
| Net interest margin | 4.0161% | 1,835 |
| Noninterest income to average assets | 0.3448% | 4,683 |
| Noninterest expense to average assets | 2.7867% | 3,514 |
| Loan and lease loss provision to assets | 0.1417% | 1,768 |
| Net operating income to assets | 1.0598% | 2,196 |
| Return on assets (ROA) | 1.1304% | 1,994 |
| Pretax return on assets | 1.3634% | 2,145 |
| Return on Equity (ROE) | 5.2719% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.3908% | 3,525 |
| Net charge-offs to loans | 0.2721% | 1,445 |
| Credit loss provision to net charge-offs | 126.7606% | 1,819 |
| Earnings coverage of net charge-offs (x) | 12.7048% | 2,294 |
| Efficiency ratio | 66.2425% | 4,181 |
| Assets per employee ($millions) | 3.3478% | 5,151 |
| Cash dividends to net income (ytd only)* | 16.7135% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6190% | 553 |
| Loan loss allowance to noncurrent loans | 120.0250% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 2,963 |
| Noncurrent loans to loans | 2.1820% | 1,401 |
| Net loans and leases to total assets | 42.6047% | 5,629 |
| Net loans and leases to deposits | 55.2974% | 5,291 |
| Net loans and leases to core deposits | 55.5949% | 5,471 |
| Total domestic deposits to total assets | 77.0464% | 5,668 |
| Equity capital to assets | 22.5999% | 143 |
| Core capital (leverage) ratio | 22.0248% | 140 |
| Tier 1 risk-based capital ratio | 40.8715% | 226 |
| Total risk-based capital ratio | 42.1313% | 223 |
| Memoranda: | ||
| Average total assets | $84,686,750 | 5,004 |
| Average earning assets | $81,436,500 | 4,917 |
| Average equity | $18,158,750 | 3,397 |
| Average total loans | $34,791,250 | 5,423 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 1,885 |
| Cost of funding earning assets | 0.5126% | 2,697 |
| Net interest margin | 3.9710% | 1,901 |
| Noninterest income to average assets | 0.3529% | 4,602 |
| Noninterest expense to average assets | 2.7994% | 3,513 |
| Loan and lease loss provision to assets | 0.1411% | 1,752 |
| Net operating income to assets | 1.0126% | 2,283 |
| Return on assets (ROA) | 1.0751% | 2,101 |
| Pretax return on assets | 1.2962% | 2,265 |
| Return on Equity (ROE) | 5.1042% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.7640% | 3,793 |
| Net charge-offs to loans | 0.3159% | 1,276 |
| Credit loss provision to net charge-offs | 111.1111% | 1,803 |
| Earnings coverage of net charge-offs (x) | 10.7222% | 2,221 |
| Efficiency ratio | 67.2696% | 4,150 |
| Assets per employee ($millions) | 3.3892% | 5,079 |
| Cash dividends to net income (ytd only)* | 26.2582% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7493% | 502 |
| Loan loss allowance to noncurrent loans | 154.0717% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 3,809 |
| Noncurrent loans to loans | 1.7844% | 1,928 |
| Net loans and leases to total assets | 39.4942% | 5,860 |
| Net loans and leases to deposits | 50.6570% | 5,585 |
| Net loans and leases to core deposits | 50.9214% | 5,738 |
| Total domestic deposits to total assets | 77.9639% | 5,638 |
| Equity capital to assets | 21.6962% | 156 |
| Core capital (leverage) ratio | 21.5978% | 142 |
| Tier 1 risk-based capital ratio | 41.8184% | 208 |
| Total risk-based capital ratio | 43.0801% | 206 |
| Memoranda: | ||
| Average total assets | $85,017,330 | 5,040 |
| Average earning assets | $81,541,330 | 4,945 |
| Average equity | $17,906,670 | 3,428 |
| Average total loans | $34,182,670 | 5,483 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,921 |
| Cost of funding earning assets | 0.5371% | 2,534 |
| Net interest margin | 3.9274% | 1,986 |
| Noninterest income to average assets | 0.3429% | 4,633 |
| Noninterest expense to average assets | 2.8135% | 3,513 |
| Loan and lease loss provision to assets | 0.1409% | 1,724 |
| Net operating income to assets | 0.9427% | 2,442 |
| Return on assets (ROA) | 0.9817% | 2,337 |
| Pretax return on assets | 1.1789% | 2,574 |
| Return on Equity (ROE) | 4.7316% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.7316% | 3,277 |
| Net charge-offs to loans | 0.5401% | 683 |
| Credit loss provision to net charge-offs | 65.2174% | 2,050 |
| Earnings coverage of net charge-offs (x) | 5.8913% | 2,316 |
| Efficiency ratio | 68.8506% | 4,032 |
| Assets per employee ($millions) | 3.4178% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7414% | 592 |
| Loan loss allowance to noncurrent loans | 120.4694% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 3,265 |
| Noncurrent loans to loans | 2.2756% | 1,576 |
| Net loans and leases to total assets | 38.3662% | 5,919 |
| Net loans and leases to deposits | 48.8234% | 5,682 |
| Net loans and leases to core deposits | 49.0726% | 5,824 |
| Total domestic deposits to total assets | 78.5815% | 5,740 |
| Equity capital to assets | 21.1411% | 166 |
| Core capital (leverage) ratio | 21.2668% | 155 |
| Tier 1 risk-based capital ratio | 42.1945% | 204 |
| Total risk-based capital ratio | 43.4556% | 203 |
| Memoranda: | ||
| Average total assets | $85,161,500 | 5,082 |
| Average earning assets | $81,173,000 | 4,994 |
| Average equity | $17,668,500 | 3,458 |
| Average total loans | $34,069,500 | 5,539 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,850 |
| Cost of funding earning assets | 0.8247% | 1,065 |
| Net interest margin | 3.5033% | 3,895 |
| Noninterest income to average assets | 0.4271% | 4,253 |
| Noninterest expense to average assets | 2.7821% | 3,787 |
| Loan and lease loss provision to assets | 0.1905% | 1,935 |
| Net operating income to assets | 0.8381% | 3,097 |
| Return on assets (ROA) | 0.9316% | 2,716 |
| Pretax return on assets | 0.9120% | 3,720 |
| Return on Equity (ROE) | 4.5377% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.1882% | 3,965 |
| Net charge-offs to loans | 0.3017% | 2,181 |
| Credit loss provision to net charge-offs | 155.6604% | 1,490 |
| Earnings coverage of net charge-offs (x) | 8.2453% | 2,700 |
| Efficiency ratio | 73.3861% | 3,236 |
| Assets per employee ($millions) | 3.3951% | 5,102 |
| Cash dividends to net income (ytd only)* | 29.7398% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7299% | 646 |
| Loan loss allowance to noncurrent loans | 119.7452% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 3,517 |
| Noncurrent loans to loans | 2.2798% | 1,693 |
| Net loans and leases to total assets | 39.4602% | 6,003 |
| Net loans and leases to deposits | 49.6222% | 5,796 |
| Net loans and leases to core deposits | 49.8719% | 5,945 |
| Total domestic deposits to total assets | 79.5212% | 5,542 |
| Equity capital to assets | 20.3504% | 195 |
| Core capital (leverage) ratio | 20.8569% | 165 |
| Tier 1 risk-based capital ratio | 41.0936% | 211 |
| Total risk-based capital ratio | 42.3543% | 210 |
| Memoranda: | ||
| Average total assets | $86,626,600 | 5,061 |
| Average earning assets | $83,179,400 | 4,950 |
| Average equity | $17,784,200 | 3,452 |
| Average total loans | $35,137,800 | 5,531 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,429 |
| Cost of funding earning assets | 0.8768% | 918 |
| Net interest margin | 3.3112% | 4,598 |
| Noninterest income to average assets | 0.4533% | 4,133 |
| Noninterest expense to average assets | 2.6463% | 4,215 |
| Loan and lease loss provision to assets | 0.1455% | 2,458 |
| Net operating income to assets | 0.7476% | 3,611 |
| Return on assets (ROA) | 0.8116% | 3,421 |
| Pretax return on assets | 0.9142% | 3,816 |
| Return on Equity (ROE) | 3.9451% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.0519% | 4,492 |
| Net charge-offs to loans | 0.0076% | 5,014 |
| Credit loss provision to net charge-offs | 4,750.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 322.0899% | 179 |
| Efficiency ratio | 72.8192% | 3,257 |
| Assets per employee ($millions) | 3.3320% | 5,222 |
| Cash dividends to net income (ytd only)* | 22.6420% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5886% | 839 |
| Loan loss allowance to noncurrent loans | 114.8585% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 3,581 |
| Noncurrent loans to loans | 2.2538% | 1,949 |
| Net loans and leases to total assets | 42.3072% | 5,880 |
| Net loans and leases to deposits | 53.1520% | 5,619 |
| Net loans and leases to core deposits | 53.4130% | 5,803 |
| Total domestic deposits to total assets | 79.5967% | 5,609 |
| Equity capital to assets | 19.8666% | 219 |
| Core capital (leverage) ratio | 20.6710% | 173 |
| Tier 1 risk-based capital ratio | 37.7777% | 271 |
| Total risk-based capital ratio | 39.0380% | 270 |
| Memoranda: | ||
| Average total assets | $87,063,750 | 5,099 |
| Average earning assets | $83,632,750 | 4,982 |
| Average equity | $17,912,000 | 3,473 |
| Average total loans | $35,314,000 | 5,571 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 4,049 |
| Cost of funding earning assets | 0.9146% | 830 |
| Net interest margin | 3.0981% | 5,282 |
| Noninterest income to average assets | 0.5000% | 3,835 |
| Noninterest expense to average assets | 2.6168% | 4,325 |
| Loan and lease loss provision to assets | 0.1491% | 2,469 |
| Net operating income to assets | 0.6509% | 4,055 |
| Return on assets (ROA) | 0.7362% | 3,793 |
| Pretax return on assets | 0.7935% | 4,338 |
| Return on Equity (ROE) | 3.5380% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.2154% | 4,861 |
| Net charge-offs to loans | -0.0289% | 6,089 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4630% | 2,864 |
| Assets per employee ($millions) | 3.4036% | 5,050 |
| Cash dividends to net income (ytd only)* | 37.3832% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7278% | 769 |
| Loan loss allowance to noncurrent loans | 97.5385% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 3,437 |
| Noncurrent loans to loans | 2.7967% | 1,622 |
| Net loans and leases to total assets | 38.3217% | 6,158 |
| Net loans and leases to deposits | 47.9484% | 5,982 |
| Net loans and leases to core deposits | 48.1759% | 6,122 |
| Total domestic deposits to total assets | 79.9227% | 5,619 |
| Equity capital to assets | 19.7903% | 215 |
| Core capital (leverage) ratio | 19.8315% | 200 |
| Tier 1 risk-based capital ratio | 40.3443% | 221 |
| Total risk-based capital ratio | 41.6054% | 219 |
| Memoranda: | ||
| Average total assets | $87,207,330 | 5,124 |
| Average earning assets | $83,534,000 | 5,016 |
| Average equity | $18,145,670 | 3,450 |
| Average total loans | $34,543,330 | 5,637 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,980 |
| Cost of funding earning assets | 0.9545% | 769 |
| Net interest margin | 3.0804% | 5,329 |
| Noninterest income to average assets | 0.2957% | 5,339 |
| Noninterest expense to average assets | 2.6431% | 4,267 |
| Loan and lease loss provision to assets | 0.1386% | 2,511 |
| Net operating income to assets | 0.4020% | 5,127 |
| Return on assets (ROA) | 0.4020% | 5,269 |
| Pretax return on assets | 0.4667% | 5,370 |
| Return on Equity (ROE) | 1.8850% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.8850% | 5,051 |
| Net charge-offs to loans | -0.0582% | 6,199 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3656% | 2,140 |
| Assets per employee ($millions) | 3.4903% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6875% | 926 |
| Loan loss allowance to noncurrent loans | 118.3463% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9420% | 4,046 |
| Noncurrent loans to loans | 2.2709% | 2,304 |
| Net loans and leases to total assets | 38.0114% | 6,149 |
| Net loans and leases to deposits | 48.5992% | 5,878 |
| Net loans and leases to core deposits | 48.8368% | 6,046 |
| Total domestic deposits to total assets | 78.2140% | 6,082 |
| Equity capital to assets | 21.1396% | 175 |
| Core capital (leverage) ratio | 20.2135% | 183 |
| Tier 1 risk-based capital ratio | 41.9543% | 208 |
| Total risk-based capital ratio | 43.2168% | 208 |
| Memoranda: | ||
| Average total assets | $86,564,500 | 5,183 |
| Average earning assets | $82,977,000 | 5,065 |
| Average equity | $18,462,000 | 3,457 |
| Average total loans | $34,383,500 | 5,692 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 1,708 |
| Cost of funding earning assets | 1.3465% | 311 |
| Net interest margin | 3.5952% | 4,104 |
| Noninterest income to average assets | 0.3170% | 5,190 |
| Noninterest expense to average assets | 2.7384% | 4,260 |
| Loan and lease loss provision to assets | 0.1414% | 3,835 |
| Net operating income to assets | 0.5076% | 4,651 |
| Return on assets (ROA) | 0.5868% | 4,561 |
| Pretax return on assets | 0.7070% | 4,647 |
| Return on Equity (ROE) | 2.7341% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.4165% | 5,166 |
| Net charge-offs to loans | 1.3142% | 734 |
| Credit loss provision to net charge-offs | 24.6407% | 5,209 |
| Earnings coverage of net charge-offs (x) | 1.3121% | 4,810 |
| Efficiency ratio | 78.4340% | 2,370 |
| Assets per employee ($millions) | 3.4348% | 5,136 |
| Cash dividends to net income (ytd only)* | 48.1928% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5401% | 1,087 |
| Loan loss allowance to noncurrent loans | 118.5734% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4114% | 3,286 |
| Noncurrent loans to loans | 2.1423% | 2,532 |
| Net loans and leases to total assets | 39.3637% | 6,214 |
| Net loans and leases to deposits | 50.5050% | 5,921 |
| Net loans and leases to core deposits | 50.7545% | 6,103 |
| Total domestic deposits to total assets | 77.9402% | 6,091 |
| Equity capital to assets | 21.5183% | 168 |
| Core capital (leverage) ratio | 20.6076% | 173 |
| Tier 1 risk-based capital ratio | 41.4161% | 212 |
| Total risk-based capital ratio | 42.6758% | 210 |
| Memoranda: | ||
| Average total assets | $84,867,800 | 5,224 |
| Average earning assets | $74,932,800 | 5,282 |
| Average equity | $18,214,200 | 3,440 |
| Average total loans | $37,056,600 | 5,632 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0538% | 1,549 |
| Cost of funding earning assets | 1.4294% | 268 |
| Net interest margin | 3.6245% | 4,133 |
| Noninterest income to average assets | 0.3230% | 5,200 |
| Noninterest expense to average assets | 2.7370% | 4,228 |
| Loan and lease loss provision to assets | 0.1891% | 3,227 |
| Net operating income to assets | 0.4009% | 5,244 |
| Return on assets (ROA) | 0.4979% | 5,117 |
| Pretax return on assets | 0.6571% | 4,987 |
| Return on Equity (ROE) | 2.3215% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.4400% | 5,607 |
| Net charge-offs to loans | 1.3846% | 653 |
| Credit loss provision to net charge-offs | 30.6905% | 4,790 |
| Earnings coverage of net charge-offs (x) | 1.1662% | 4,718 |
| Efficiency ratio | 79.2066% | 2,205 |
| Assets per employee ($millions) | 3.2904% | 5,457 |
| Cash dividends to net income (ytd only)* | 37.9759% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5739% | 1,112 |
| Loan loss allowance to noncurrent loans | 80.4778% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 3,039 |
| Noncurrent loans to loans | 3.1983% | 1,726 |
| Net loans and leases to total assets | 44.9568% | 5,878 |
| Net loans and leases to deposits | 58.6005% | 5,366 |
| Net loans and leases to core deposits | 59.1431% | 5,642 |
| Total domestic deposits to total assets | 76.7174% | 6,278 |
| Equity capital to assets | 22.4425% | 155 |
| Core capital (leverage) ratio | 20.9241% | 173 |
| Tier 1 risk-based capital ratio | 39.8398% | 249 |
| Total risk-based capital ratio | 41.1018% | 243 |
| Memoranda: | ||
| Average total assets | $84,617,000 | 5,281 |
| Average earning assets | $73,131,000 | 5,397 |
| Average equity | $18,148,250 | 3,483 |
| Average total loans | $37,650,000 | 5,671 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 1,215 |
| Cost of funding earning assets | 1.5237% | 219 |
| Net interest margin | 3.6878% | 3,881 |
| Noninterest income to average assets | 0.3161% | 5,294 |
| Noninterest expense to average assets | 2.6674% | 4,547 |
| Loan and lease loss provision to assets | 0.2108% | 2,972 |
| Net operating income to assets | 0.4207% | 5,147 |
| Return on assets (ROA) | 0.5620% | 4,812 |
| Pretax return on assets | 0.6651% | 4,925 |
| Return on Equity (ROE) | 2.6602% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.3301% | 5,528 |
| Net charge-offs to loans | 1.3210% | 802 |
| Credit loss provision to net charge-offs | 36.2903% | 4,334 |
| Earnings coverage of net charge-offs (x) | 1.2218% | 4,395 |
| Efficiency ratio | 78.9875% | 2,326 |
| Assets per employee ($millions) | 3.3715% | 5,269 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9746% | 794 |
| Loan loss allowance to noncurrent loans | 68.3814% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.2115% | 2,529 |
| Noncurrent loans to loans | 4.3500% | 1,235 |
| Net loans and leases to total assets | 42.1816% | 6,174 |
| Net loans and leases to deposits | 54.2155% | 5,847 |
| Net loans and leases to core deposits | 54.6959% | 6,048 |
| Total domestic deposits to total assets | 77.8035% | 6,192 |
| Equity capital to assets | 21.6555% | 171 |
| Core capital (leverage) ratio | 20.4548% | 187 |
| Tier 1 risk-based capital ratio | 40.3336% | 222 |
| Total risk-based capital ratio | 41.6006% | 220 |
| Memoranda: | ||
| Average total assets | $85,403,000 | 5,291 |
| Average earning assets | $70,882,330 | 5,496 |
| Average equity | $18,044,000 | 3,492 |
| Average total loans | $37,547,330 | 5,704 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 1,021 |
| Cost of funding earning assets | 1.5581% | 226 |
| Net interest margin | 3.7855% | 3,458 |
| Noninterest income to average assets | 0.3071% | 5,429 |
| Noninterest expense to average assets | 2.5919% | 4,851 |
| Loan and lease loss provision to assets | 0.2094% | 2,853 |
| Net operating income to assets | 0.5344% | 4,676 |
| Return on assets (ROA) | 0.6282% | 4,437 |
| Pretax return on assets | 0.7492% | 4,610 |
| Return on Equity (ROE) | 3.0101% | 5,714 |
| Retained earnings to average equity (ytd only) | 3.0101% | 4,748 |
| Net charge-offs to loans | 2.6211% | 308 |
| Credit loss provision to net charge-offs | 18.0723% | 3,804 |
| Earnings coverage of net charge-offs (x) | 0.7309% | 3,969 |
| Efficiency ratio | 75.3721% | 2,872 |
| Assets per employee ($millions) | 3.5477% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8011% | 1,006 |
| Loan loss allowance to noncurrent loans | 69.9732% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 2,949 |
| Noncurrent loans to loans | 4.0031% | 1,532 |
| Net loans and leases to total assets | 42.5474% | 6,141 |
| Net loans and leases to deposits | 54.1890% | 5,790 |
| Net loans and leases to core deposits | 54.6575% | 6,008 |
| Total domestic deposits to total assets | 78.5166% | 6,181 |
| Equity capital to assets | 21.1451% | 174 |
| Core capital (leverage) ratio | 19.9868% | 205 |
| Tier 1 risk-based capital ratio | 39.8884% | 230 |
| Total risk-based capital ratio | 41.1518% | 227 |
| Memoranda: | ||
| Average total assets | $85,960,500 | 5,313 |
| Average earning assets | $71,114,000 | 5,526 |
| Average equity | $17,939,500 | 3,511 |
| Average total loans | $37,999,000 | 5,732 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 590 |
| Cost of funding earning assets | 1.8440% | 184 |
| Net interest margin | 3.9957% | 2,902 |
| Noninterest income to average assets | 0.2919% | 5,448 |
| Noninterest expense to average assets | 2.6165% | 5,032 |
| Loan and lease loss provision to assets | 0.4455% | 2,373 |
| Net operating income to assets | 0.5803% | 4,097 |
| Return on assets (ROA) | 0.6037% | 4,172 |
| Pretax return on assets | 0.5732% | 4,772 |
| Return on Equity (ROE) | 2.9526% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.5766% | 5,087 |
| Net charge-offs to loans | 0.2665% | 4,104 |
| Credit loss provision to net charge-offs | 342.3423% | 677 |
| Earnings coverage of net charge-offs (x) | 7.6486% | 2,302 |
| Efficiency ratio | 72.4440% | 3,493 |
| Assets per employee ($millions) | 3.7729% | 4,385 |
| Cash dividends to net income (ytd only)* | 46.6019% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2226% | 667 |
| Loan loss allowance to noncurrent loans | 57.8850% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.6978% | 2,256 |
| Noncurrent loans to loans | 5.5672% | 945 |
| Net loans and leases to total assets | 43.1905% | 6,277 |
| Net loans and leases to deposits | 54.5792% | 6,016 |
| Net loans and leases to core deposits | 54.8347% | 6,239 |
| Total domestic deposits to total assets | 79.1336% | 5,960 |
| Equity capital to assets | 20.5990% | 203 |
| Core capital (leverage) ratio | 20.1825% | 196 |
| Tier 1 risk-based capital ratio | 38.6635% | 256 |
| Total risk-based capital ratio | 39.9338% | 248 |
| Memoranda: | ||
| Average total assets | $85,304,200 | 5,303 |
| Average earning assets | $70,876,800 | 5,507 |
| Average equity | $17,442,200 | 3,513 |
| Average total loans | $41,648,400 | 5,611 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 523 |
| Cost of funding earning assets | 1.9233% | 163 |
| Net interest margin | 4.0123% | 2,866 |
| Noninterest income to average assets | 0.2951% | 5,500 |
| Noninterest expense to average assets | 2.6482% | 4,914 |
| Loan and lease loss provision to assets | 0.2119% | 3,903 |
| Net operating income to assets | 0.7149% | 3,533 |
| Return on assets (ROA) | 0.7409% | 3,593 |
| Pretax return on assets | 0.8069% | 4,101 |
| Return on Equity (ROE) | 3.6306% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.7075% | 4,735 |
| Net charge-offs to loans | 0.0849% | 5,124 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 23.3697% | 1,117 |
| Efficiency ratio | 72.7783% | 3,404 |
| Assets per employee ($millions) | 3.3943% | 5,260 |
| Cash dividends to net income (ytd only)* | 25.4243% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5853% | 1,287 |
| Loan loss allowance to noncurrent loans | 48.1399% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.7788% | 2,342 |
| Noncurrent loans to loans | 5.3704% | 1,119 |
| Net loans and leases to total assets | 48.2671% | 5,928 |
| Net loans and leases to deposits | 61.7191% | 5,440 |
| Net loans and leases to core deposits | 62.0162% | 5,811 |
| Total domestic deposits to total assets | 78.2045% | 6,153 |
| Equity capital to assets | 21.2098% | 197 |
| Core capital (leverage) ratio | 20.5579% | 195 |
| Tier 1 risk-based capital ratio | 37.8009% | 286 |
| Total risk-based capital ratio | 39.0657% | 280 |
| Memoranda: | ||
| Average total assets | $84,936,250 | 5,356 |
| Average earning assets | $70,780,250 | 5,557 |
| Average equity | $17,334,000 | 3,536 |
| Average total loans | $42,378,750 | 5,633 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8835% | 603 |
| Cost of funding earning assets | 1.9555% | 167 |
| Net interest margin | 3.9280% | 3,178 |
| Noninterest income to average assets | 0.2848% | 5,602 |
| Noninterest expense to average assets | 2.6647% | 4,954 |
| Loan and lease loss provision to assets | 0.2119% | 3,795 |
| Net operating income to assets | 0.5600% | 4,265 |
| Return on assets (ROA) | 0.5956% | 4,221 |
| Pretax return on assets | 0.7085% | 4,357 |
| Return on Equity (ROE) | 2.9569% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.5544% | 5,206 |
| Net charge-offs to loans | 0.1459% | 4,316 |
| Credit loss provision to net charge-offs | 290.3226% | 1,053 |
| Earnings coverage of net charge-offs (x) | 12.0323% | 1,656 |
| Efficiency ratio | 75.2159% | 3,148 |
| Assets per employee ($millions) | 3.3816% | 5,248 |
| Cash dividends to net income (ytd only)* | 47.4308% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5309% | 1,400 |
| Loan loss allowance to noncurrent loans | 43.5768% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 2.9359% | 2,284 |
| Noncurrent loans to loans | 5.8079% | 1,050 |
| Net loans and leases to total assets | 47.2847% | 6,123 |
| Net loans and leases to deposits | 59.8473% | 5,740 |
| Net loans and leases to core deposits | 60.1318% | 6,077 |
| Total domestic deposits to total assets | 79.0090% | 6,085 |
| Equity capital to assets | 20.5959% | 232 |
| Core capital (leverage) ratio | 20.0785% | 220 |
| Tier 1 risk-based capital ratio | 37.9666% | 279 |
| Total risk-based capital ratio | 39.2288% | 270 |
| Memoranda: | ||
| Average total assets | $84,962,670 | 5,396 |
| Average earning assets | $70,467,670 | 5,619 |
| Average equity | $17,112,670 | 3,552 |
| Average total loans | $42,490,000 | 5,682 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9033% | 589 |
| Cost of funding earning assets | 2.0307% | 150 |
| Net interest margin | 3.8726% | 3,286 |
| Noninterest income to average assets | 0.2724% | 5,727 |
| Noninterest expense to average assets | 2.6675% | 4,969 |
| Loan and lease loss provision to assets | 0.2113% | 3,532 |
| Net operating income to assets | 0.4870% | 4,539 |
| Return on assets (ROA) | 0.5589% | 4,320 |
| Pretax return on assets | 0.6575% | 4,464 |
| Return on Equity (ROE) | 2.8061% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.8061% | 4,488 |
| Net charge-offs to loans | 0.0925% | 4,016 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 1,254 |
| Efficiency ratio | 77.2789% | 2,944 |
| Assets per employee ($millions) | 3.4733% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4776% | 1,491 |
| Loan loss allowance to noncurrent loans | 36.5801% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 3.3075% | 2,067 |
| Noncurrent loans to loans | 6.7732% | 842 |
| Net loans and leases to total assets | 45.9646% | 6,291 |
| Net loans and leases to deposits | 57.4612% | 5,981 |
| Net loans and leases to core deposits | 57.7222% | 6,285 |
| Total domestic deposits to total assets | 79.9924% | 5,952 |
| Equity capital to assets | 19.6909% | 269 |
| Core capital (leverage) ratio | 20.2124% | 220 |
| Tier 1 risk-based capital ratio | 37.6563% | 283 |
| Total risk-based capital ratio | 38.9180% | 276 |
| Memoranda: | ||
| Average total assets | $85,173,500 | 5,438 |
| Average earning assets | $69,927,500 | 5,675 |
| Average equity | $16,963,000 | 3,570 |
| Average total loans | $43,228,500 | 5,695 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0663% | 747 |
| Cost of funding earning assets | 2.0970% | 435 |
| Net interest margin | 3.9694% | 3,155 |
| Noninterest income to average assets | 0.3391% | 5,361 |
| Noninterest expense to average assets | 2.8170% | 4,534 |
| Loan and lease loss provision to assets | 0.3633% | 3,936 |
| Net operating income to assets | 0.7412% | 3,036 |
| Return on assets (ROA) | 0.7424% | 3,156 |
| Pretax return on assets | 0.7339% | 3,855 |
| Return on Equity (ROE) | 3.5995% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.1902% | 4,358 |
| Net charge-offs to loans | 0.6273% | 3,142 |
| Credit loss provision to net charge-offs | 105.6338% | 4,239 |
| Earnings coverage of net charge-offs (x) | 3.1866% | 3,483 |
| Efficiency ratio | 71.9901% | 3,800 |
| Assets per employee ($millions) | 3.9769% | 3,834 |
| Cash dividends to net income (ytd only)* | 39.1517% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 1,960 |
| Loan loss allowance to noncurrent loans | 47.0447% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.6115% | 2,665 |
| Noncurrent loans to loans | 4.5705% | 1,541 |
| Net loans and leases to total assets | 53.3461% | 5,727 |
| Net loans and leases to deposits | 67.0338% | 5,249 |
| Net loans and leases to core deposits | 67.3500% | 5,738 |
| Total domestic deposits to total assets | 79.5809% | 5,944 |
| Equity capital to assets | 20.1497% | 254 |
| Core capital (leverage) ratio | 20.3254% | 219 |
| Tier 1 risk-based capital ratio | 34.5334% | 356 |
| Total risk-based capital ratio | 35.7927% | 353 |
| Memoranda: | ||
| Average total assets | $82,569,400 | 5,507 |
| Average earning assets | $74,344,600 | 5,529 |
| Average equity | $17,030,200 | 3,587 |
| Average total loans | $45,270,800 | 5,696 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 730 |
| Cost of funding earning assets | 2.1241% | 495 |
| Net interest margin | 3.9969% | 3,116 |
| Noninterest income to average assets | 0.3498% | 5,372 |
| Noninterest expense to average assets | 2.8437% | 4,303 |
| Loan and lease loss provision to assets | 0.2186% | 4,882 |
| Net operating income to assets | 0.8309% | 2,880 |
| Return on assets (ROA) | 0.8324% | 3,007 |
| Pretax return on assets | 0.9214% | 3,488 |
| Return on Equity (ROE) | 4.0122% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.0755% | 4,282 |
| Net charge-offs to loans | 0.6725% | 2,747 |
| Credit loss provision to net charge-offs | 59.2105% | 5,714 |
| Earnings coverage of net charge-offs (x) | 3.0834% | 3,592 |
| Efficiency ratio | 71.4111% | 3,818 |
| Assets per employee ($millions) | 3.5844% | 4,766 |
| Cash dividends to net income (ytd only)* | 23.3468% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 2,413 |
| Loan loss allowance to noncurrent loans | 100.3460% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,892 |
| Noncurrent loans to loans | 1.9192% | 3,779 |
| Net loans and leases to total assets | 53.7427% | 5,884 |
| Net loans and leases to deposits | 68.8024% | 5,309 |
| Net loans and leases to core deposits | 69.1341% | 5,833 |
| Total domestic deposits to total assets | 78.1116% | 6,238 |
| Equity capital to assets | 21.2285% | 220 |
| Core capital (leverage) ratio | 20.5925% | 226 |
| Tier 1 risk-based capital ratio | 35.5457% | 336 |
| Total risk-based capital ratio | 36.8025% | 331 |
| Memoranda: | ||
| Average total assets | $82,333,000 | 5,582 |
| Average earning assets | $74,823,500 | 5,579 |
| Average equity | $17,080,750 | 3,626 |
| Average total loans | $45,205,750 | 5,778 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0925% | 767 |
| Cost of funding earning assets | 2.1397% | 576 |
| Net interest margin | 3.9528% | 3,232 |
| Noninterest income to average assets | 0.3451% | 5,387 |
| Noninterest expense to average assets | 2.8725% | 4,174 |
| Loan and lease loss provision to assets | 0.2187% | 4,704 |
| Net operating income to assets | 0.7291% | 3,274 |
| Return on assets (ROA) | 0.7291% | 3,430 |
| Pretax return on assets | 0.8724% | 3,614 |
| Return on Equity (ROE) | 3.5418% | 5,002 |
| Retained earnings to average equity (ytd only) | 2.1251% | 4,792 |
| Net charge-offs to loans | 0.3937% | 3,402 |
| Credit loss provision to net charge-offs | 101.1236% | 4,033 |
| Earnings coverage of net charge-offs (x) | 5.0449% | 2,767 |
| Efficiency ratio | 72.4709% | 3,746 |
| Assets per employee ($millions) | 3.6053% | 4,683 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1459% | 1,874 |
| Loan loss allowance to noncurrent loans | 84.2657% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.4544% | 4,279 |
| Noncurrent loans to loans | 2.5466% | 3,112 |
| Net loans and leases to total assets | 53.0113% | 6,107 |
| Net loans and leases to deposits | 67.1371% | 5,665 |
| Net loans and leases to core deposits | 67.4534% | 6,102 |
| Total domestic deposits to total assets | 78.9597% | 6,051 |
| Equity capital to assets | 20.6507% | 252 |
| Core capital (leverage) ratio | 20.3334% | 229 |
| Tier 1 risk-based capital ratio | 35.2961% | 343 |
| Total risk-based capital ratio | 36.5558% | 335 |
| Memoranda: | ||
| Average total assets | $82,297,000 | 5,618 |
| Average earning assets | $75,338,670 | 5,594 |
| Average equity | $16,940,670 | 3,642 |
| Average total loans | $45,215,670 | 5,810 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1877% | 657 |
| Cost of funding earning assets | 2.2183% | 559 |
| Net interest margin | 3.9694% | 2,998 |
| Noninterest income to average assets | 0.3854% | 5,042 |
| Noninterest expense to average assets | 2.9225% | 3,975 |
| Loan and lease loss provision to assets | 0.2196% | 4,304 |
| Net operating income to assets | 0.7075% | 3,410 |
| Return on assets (ROA) | 0.7075% | 3,517 |
| Pretax return on assets | 0.8489% | 3,675 |
| Return on Equity (ROE) | 3.4423% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.4423% | 4,089 |
| Net charge-offs to loans | 0.3968% | 2,852 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.8667% | 2,524 |
| Efficiency ratio | 73.2274% | 3,717 |
| Assets per employee ($millions) | 3.4095% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 1,778 |
| Loan loss allowance to noncurrent loans | 87.9452% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3993% | 4,416 |
| Noncurrent loans to loans | 2.4906% | 3,182 |
| Net loans and leases to total assets | 52.5529% | 6,212 |
| Net loans and leases to deposits | 66.6052% | 5,757 |
| Net loans and leases to core deposits | 66.9214% | 6,215 |
| Total domestic deposits to total assets | 78.9021% | 6,098 |
| Equity capital to assets | 20.7276% | 253 |
| Core capital (leverage) ratio | 20.1787% | 239 |
| Tier 1 risk-based capital ratio | 35.9609% | 331 |
| Total risk-based capital ratio | 37.2211% | 323 |
| Memoranda: | ||
| Average total assets | $81,984,500 | 5,708 |
| Average earning assets | $74,470,500 | 5,690 |
| Average equity | $16,849,000 | 3,685 |
| Average total loans | $45,362,500 | 5,868 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3325% | 960 |
| Cost of funding earning assets | 2.4840% | 1,058 |
| Net interest margin | 3.8485% | 3,490 |
| Noninterest income to average assets | 0.3243% | 5,761 |
| Noninterest expense to average assets | 2.8526% | 4,739 |
| Loan and lease loss provision to assets | 0.2178% | 5,617 |
| Net operating income to assets | 0.7266% | 2,825 |
| Return on assets (ROA) | 0.7298% | 2,891 |
| Pretax return on assets | 0.8314% | 3,143 |
| Return on Equity (ROE) | 3.6326% | 4,241 |
| Retained earnings to average equity (ytd only) | 2.1868% | 3,579 |
| Net charge-offs to loans | 0.7531% | 2,939 |
| Credit loss provision to net charge-offs | 52.4781% | 6,719 |
| Earnings coverage of net charge-offs (x) | 2.5190% | 3,863 |
| Efficiency ratio | 73.1760% | 4,056 |
| Assets per employee ($millions) | 3.2856% | 5,522 |
| Cash dividends to net income (ytd only)* | 39.8010% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 1,890 |
| Loan loss allowance to noncurrent loans | 85.2212% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4366% | 4,256 |
| Noncurrent loans to loans | 2.4166% | 3,142 |
| Net loans and leases to total assets | 55.7529% | 5,984 |
| Net loans and leases to deposits | 70.3256% | 5,565 |
| Net loans and leases to core deposits | 90.2615% | 5,094 |
| Total domestic deposits to total assets | 79.2783% | 5,909 |
| Equity capital to assets | 20.3759% | 276 |
| Core capital (leverage) ratio | 19.9536% | 284 |
| Tier 1 risk-based capital ratio | 33.7825% | 380 |
| Total risk-based capital ratio | 35.0422% | 371 |
| Memoranda: | ||
| Average total assets | $82,627,600 | 5,648 |
| Average earning assets | $76,731,000 | 5,572 |
| Average equity | $16,599,600 | 3,759 |
| Average total loans | $45,542,200 | 5,852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3523% | 1,023 |
| Cost of funding earning assets | 2.5312% | 1,207 |
| Net interest margin | 3.8211% | 3,570 |
| Noninterest income to average assets | 0.3303% | 5,847 |
| Noninterest expense to average assets | 2.8519% | 4,659 |
| Loan and lease loss provision to assets | 0.2175% | 5,238 |
| Net operating income to assets | 0.6807% | 3,276 |
| Return on assets (ROA) | 0.6848% | 3,316 |
| Pretax return on assets | 0.8121% | 3,501 |
| Return on Equity (ROE) | 3.4207% | 4,609 |
| Retained earnings to average equity (ytd only) | 2.4549% | 3,957 |
| Net charge-offs to loans | 0.5541% | 3,023 |
| Credit loss provision to net charge-offs | 71.8085% | 5,947 |
| Earnings coverage of net charge-offs (x) | 3.3830% | 3,555 |
| Efficiency ratio | 73.5661% | 3,944 |
| Assets per employee ($millions) | 3.4736% | 4,993 |
| Cash dividends to net income (ytd only)* | 28.2361% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 1,275 |
| Loan loss allowance to noncurrent loans | 108.9340% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 4,472 |
| Noncurrent loans to loans | 2.1278% | 3,472 |
| Net loans and leases to total assets | 54.2415% | 6,355 |
| Net loans and leases to deposits | 68.4618% | 6,091 |
| Net loans and leases to core deposits | 87.3291% | 5,714 |
| Total domestic deposits to total assets | 79.2289% | 5,723 |
| Equity capital to assets | 20.2565% | 321 |
| Core capital (leverage) ratio | 19.8816% | 317 |
| Tier 1 risk-based capital ratio | 34.5522% | 394 |
| Total risk-based capital ratio | 35.8137% | 387 |
| Memoranda: | ||
| Average total assets | $82,749,250 | 5,668 |
| Average earning assets | $76,799,250 | 5,605 |
| Average equity | $16,565,250 | 3,793 |
| Average total loans | $45,238,000 | 5,914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4325% | 935 |
| Cost of funding earning assets | 2.5820% | 1,338 |
| Net interest margin | 3.8506% | 3,339 |
| Noninterest income to average assets | 0.3295% | 5,871 |
| Noninterest expense to average assets | 2.7355% | 5,240 |
| Loan and lease loss provision to assets | 0.2181% | 4,860 |
| Net operating income to assets | 0.7260% | 3,150 |
| Return on assets (ROA) | 0.7317% | 3,233 |
| Pretax return on assets | 0.9280% | 3,247 |
| Return on Equity (ROE) | 3.6699% | 4,634 |
| Retained earnings to average equity (ytd only) | 2.2117% | 4,110 |
| Net charge-offs to loans | 0.5436% | 2,697 |
| Credit loss provision to net charge-offs | 73.7705% | 5,346 |
| Earnings coverage of net charge-offs (x) | 3.8525% | 3,293 |
| Efficiency ratio | 70.6066% | 4,653 |
| Assets per employee ($millions) | 3.4855% | 4,849 |
| Cash dividends to net income (ytd only)* | 39.7351% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3886% | 1,008 |
| Loan loss allowance to noncurrent loans | 99.9087% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4632% | 4,046 |
| Noncurrent loans to loans | 2.3908% | 3,020 |
| Net loans and leases to total assets | 53.4435% | 6,519 |
| Net loans and leases to deposits | 66.6776% | 6,334 |
| Net loans and leases to core deposits | 84.7957% | 6,025 |
| Total domestic deposits to total assets | 80.1521% | 5,416 |
| Equity capital to assets | 19.4307% | 422 |
| Core capital (leverage) ratio | 20.0385% | 356 |
| Tier 1 risk-based capital ratio | 30.0237% | 606 |
| Total risk-based capital ratio | 31.1006% | 599 |
| Memoranda: | ||
| Average total assets | $82,543,670 | 5,711 |
| Average earning assets | $75,988,670 | 5,670 |
| Average equity | $16,458,000 | 3,823 |
| Average total loans | $44,886,670 | 5,985 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4265% | 1,002 |
| Cost of funding earning assets | 2.5956% | 1,582 |
| Net interest margin | 3.8309% | 3,332 |
| Noninterest income to average assets | 0.3513% | 5,636 |
| Noninterest expense to average assets | 2.7662% | 4,712 |
| Loan and lease loss provision to assets | 0.2195% | 4,259 |
| Net operating income to assets | 0.7074% | 3,517 |
| Return on assets (ROA) | 0.7074% | 3,714 |
| Pretax return on assets | 0.9513% | 3,530 |
| Return on Equity (ROE) | 3.5024% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.5024% | 3,946 |
| Net charge-offs to loans | 0.5582% | 2,072 |
| Credit loss provision to net charge-offs | 72.5806% | 4,307 |
| Earnings coverage of net charge-offs (x) | 3.8710% | 3,037 |
| Efficiency ratio | 70.2602% | 4,517 |
| Assets per employee ($millions) | 3.3999% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5033% | 763 |
| Loan loss allowance to noncurrent loans | 123.2222% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 4,271 |
| Noncurrent loans to loans | 2.0315% | 3,221 |
| Net loans and leases to total assets | 52.9345% | 6,585 |
| Net loans and leases to deposits | 66.7909% | 6,304 |
| Net loans and leases to core deposits | 85.5917% | 5,938 |
| Total domestic deposits to total assets | 79.2541% | 5,623 |
| Equity capital to assets | 20.3047% | 400 |
| Core capital (leverage) ratio | 19.8848% | 400 |
| Tier 1 risk-based capital ratio | 36.8018% | 383 |
| Total risk-based capital ratio | 38.0684% | 380 |
| Memoranda: | ||
| Average total assets | $81,990,000 | 5,751 |
| Average earning assets | $76,745,000 | 5,665 |
| Average equity | $16,560,000 | 3,826 |
| Average total loans | $44,430,000 | 6,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9676% | 1,212 |
| Cost of funding earning assets | 2.7904% | 2,744 |
| Net interest margin | 4.1772% | 2,401 |
| Noninterest income to average assets | 0.3610% | 5,836 |
| Noninterest expense to average assets | 2.8840% | 4,505 |
| Loan and lease loss provision to assets | 0.2801% | 4,153 |
| Net operating income to assets | 0.8794% | 3,096 |
| Return on assets (ROA) | 0.8813% | 2,929 |
| Pretax return on assets | 1.1850% | 2,700 |
| Return on Equity (ROE) | 4.4166% | 4,634 |
| Retained earnings to average equity (ytd only) | 2.9195% | 3,358 |
| Net charge-offs to loans | 0.4168% | 2,736 |
| Credit loss provision to net charge-offs | 119.0476% | 4,521 |
| Earnings coverage of net charge-offs (x) | 6.2169% | 3,412 |
| Efficiency ratio | 66.3517% | 5,050 |
| Assets per employee ($millions) | 3.5819% | 4,464 |
| Cash dividends to net income (ytd only)* | 33.8983% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5270% | 659 |
| Loan loss allowance to noncurrent loans | 125.6696% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1532% | 3,962 |
| Noncurrent loans to loans | 2.0109% | 2,745 |
| Net loans and leases to total assets | 52.7196% | 6,774 |
| Net loans and leases to deposits | 66.2679% | 6,625 |
| Net loans and leases to core deposits | 83.5906% | 6,336 |
| Total domestic deposits to total assets | 79.5552% | 5,179 |
| Equity capital to assets | 20.0915% | 463 |
| Core capital (leverage) ratio | 20.2162% | 431 |
| Tier 1 risk-based capital ratio | 36.8001% | 400 |
| Total risk-based capital ratio | 38.0666% | 392 |
| Memoranda: | ||
| Average total assets | $80,339,200 | 5,690 |
| Average earning assets | $76,654,400 | 5,560 |
| Average equity | $16,030,400 | 3,923 |
| Average total loans | $45,348,400 | 5,911 |