Home > Bank of Maysville > Performance and Condition Ratios
Bank of Maysville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 4,423 |
| Cost of funding earning assets | 0.4011% | 4,295 |
| Net interest margin | 3.0240% | 3,227 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.2046% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9183% | 2,490 |
| Return on assets (ROA) | 0.9183% | 2,460 |
| Pretax return on assets | 1.0676% | 2,497 |
| Return on Equity (ROE) | 6.7700% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.3525% | 2,848 |
| Net charge-offs to loans | 0.0013% | 2,803 |
| Credit loss provision to net charge-offs | -400.0000% | 4,528 |
| Earnings coverage of net charge-offs (x) | 1,680.0000% | 98 |
| Efficiency ratio | 67.3723% | 2,183 |
| Assets per employee ($millions) | 6.0998% | 2,735 |
| Cash dividends to net income (ytd only)* | 35.7093% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 3,744 |
| Loan loss allowance to noncurrent loans | 403.5503% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 2,825 |
| Noncurrent loans to loans | 0.2206% | 2,435 |
| Net loans and leases to total assets | 47.8700% | 3,734 |
| Net loans and leases to deposits | 57.4466% | 3,648 |
| Net loans and leases to core deposits | 61.0338% | 3,726 |
| Total domestic deposits to total assets | 83.3400% | 2,796 |
| Equity capital to assets | 14.5359% | 599 |
| Core capital (leverage) ratio | 15.0581% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1958% | 255 |
| Memoranda: | ||
| Average total assets | $157,355,400 | 3,299 |
| Average earning assets | $146,595,400 | 3,280 |
| Average equity | $21,344,000 | 2,748 |
| Average total loans | $76,768,400 | 3,459 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 4,418 |
| Cost of funding earning assets | 0.3342% | 4,330 |
| Net interest margin | 3.0618% | 3,217 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.2311% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9212% | 2,609 |
| Return on assets (ROA) | 0.9212% | 2,595 |
| Pretax return on assets | 1.0655% | 2,673 |
| Return on Equity (ROE) | 6.9200% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.6923% | 2,717 |
| Net charge-offs to loans | -0.0017% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6796% | 2,048 |
| Assets per employee ($millions) | 6.0394% | 2,713 |
| Cash dividends to net income (ytd only)* | 17.6959% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 3,832 |
| Loan loss allowance to noncurrent loans | 720.2128% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,221 |
| Noncurrent loans to loans | 0.1204% | 2,962 |
| Net loans and leases to total assets | 49.2900% | 3,669 |
| Net loans and leases to deposits | 58.0487% | 3,605 |
| Net loans and leases to core deposits | 61.3841% | 3,638 |
| Total domestic deposits to total assets | 84.9200% | 2,520 |
| Equity capital to assets | 13.0324% | 809 |
| Core capital (leverage) ratio | 15.0507% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3222% | 279 |
| Memoranda: | ||
| Average total assets | $157,045,750 | 3,311 |
| Average earning assets | $146,010,250 | 3,295 |
| Average equity | $20,916,750 | 2,770 |
| Average total loans | $76,808,500 | 3,463 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 4,448 |
| Cost of funding earning assets | 0.2558% | 4,374 |
| Net interest margin | 3.0711% | 3,281 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.2553% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9067% | 2,733 |
| Return on assets (ROA) | 0.9067% | 2,715 |
| Pretax return on assets | 1.0557% | 2,763 |
| Return on Equity (ROE) | 6.7600% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.9365% | 2,956 |
| Net charge-offs to loans | -0.0026% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1154% | 1,971 |
| Assets per employee ($millions) | 6.0159% | 2,695 |
| Cash dividends to net income (ytd only)* | 26.9663% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 3,831 |
| Loan loss allowance to noncurrent loans | 727.9570% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,167 |
| Noncurrent loans to loans | 0.1212% | 2,869 |
| Net loans and leases to total assets | 48.6200% | 3,654 |
| Net loans and leases to deposits | 56.7907% | 3,596 |
| Net loans and leases to core deposits | 59.6762% | 3,651 |
| Total domestic deposits to total assets | 85.6100% | 2,359 |
| Equity capital to assets | 13.5085% | 717 |
| Core capital (leverage) ratio | 14.8419% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1039% | 275 |
| Memoranda: | ||
| Average total assets | $157,053,000 | 3,325 |
| Average earning assets | $146,203,333 | 3,309 |
| Average equity | $21,067,667 | 2,766 |
| Average total loans | $76,385,333 | 3,472 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 4,449 |
| Cost of funding earning assets | 0.1944% | 4,391 |
| Net interest margin | 3.0824% | 3,390 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.2545% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8947% | 2,877 |
| Return on assets (ROA) | 0.8947% | 2,829 |
| Pretax return on assets | 1.0421% | 2,881 |
| Return on Equity (ROE) | 6.6900% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.6930% | 2,588 |
| Net charge-offs to loans | -0.0052% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.3886% | 1,935 |
| Assets per employee ($millions) | 6.3162% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 3,865 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.4100% | 3,675 |
| Net loans and leases to deposits | 55.4126% | 3,605 |
| Net loans and leases to core deposits | 58.0821% | 3,625 |
| Total domestic deposits to total assets | 85.5500% | 2,705 |
| Equity capital to assets | 13.6760% | 640 |
| Core capital (leverage) ratio | 14.7322% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5888% | 271 |
| Memoranda: | ||
| Average total assets | $157,373,000 | 3,359 |
| Average earning assets | $146,122,000 | 3,347 |
| Average equity | $21,037,000 | 2,794 |
| Average total loans | $76,215,000 | 3,512 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0863% | 4,015 |
| Cost of funding earning assets | 0.1197% | 4,282 |
| Net interest margin | 2.9665% | 3,526 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.0828% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9076% | 2,928 |
| Return on assets (ROA) | 0.9076% | 2,869 |
| Pretax return on assets | 1.0807% | 2,833 |
| Return on Equity (ROE) | 6.5800% | 3,714 |
| Retained earnings to average equity (ytd only) | 3.3140% | 3,622 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8376% | 2,254 |
| Assets per employee ($millions) | 6.0324% | 2,737 |
| Cash dividends to net income (ytd only)* | 49.6533% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 3,796 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 48.5900% | 3,626 |
| Net loans and leases to deposits | 56.6232% | 3,536 |
| Net loans and leases to core deposits | 59.4567% | 3,540 |
| Total domestic deposits to total assets | 85.8100% | 2,779 |
| Equity capital to assets | 13.0571% | 693 |
| Core capital (leverage) ratio | 14.4218% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4150% | 274 |
| Memoranda: | ||
| Average total assets | $158,874,000 | 3,356 |
| Average earning assets | $144,511,400 | 3,384 |
| Average equity | $21,907,200 | 2,779 |
| Average total loans | $77,613,400 | 3,443 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0308% | 3,833 |
| Cost of funding earning assets | 0.1164% | 4,149 |
| Net interest margin | 2.9144% | 3,450 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.0654% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8641% | 3,022 |
| Return on assets (ROA) | 0.8641% | 2,996 |
| Pretax return on assets | 1.0239% | 2,953 |
| Return on Equity (ROE) | 6.1900% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.0363% | 3,086 |
| Net charge-offs to loans | -0.0017% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.8562% | 2,175 |
| Assets per employee ($millions) | 6.0367% | 2,730 |
| Cash dividends to net income (ytd only)* | 18.5866% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 3,891 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.8800% | 3,542 |
| Net loans and leases to deposits | 56.5157% | 3,437 |
| Net loans and leases to core deposits | 59.5626% | 3,414 |
| Total domestic deposits to total assets | 86.4900% | 2,926 |
| Equity capital to assets | 12.4717% | 777 |
| Core capital (leverage) ratio | 14.5059% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4376% | 282 |
| Memoranda: | ||
| Average total assets | $159,382,000 | 3,372 |
| Average earning assets | $144,381,000 | 3,411 |
| Average equity | $22,264,250 | 2,799 |
| Average total loans | $77,793,000 | 3,456 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9710% | 3,627 |
| Cost of funding earning assets | 0.1135% | 4,034 |
| Net interest margin | 2.8574% | 3,274 |
| Noninterest income to average assets | 0.4632% | 2,380 |
| Noninterest expense to average assets | 2.0438% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8465% | 2,793 |
| Return on assets (ROA) | 0.8465% | 2,769 |
| Pretax return on assets | 0.9963% | 2,750 |
| Return on Equity (ROE) | 5.8548% | 3,614 |
| Retained earnings to average equity (ytd only) | 4.1968% | 3,011 |
| Net charge-offs to loans | -0.0026% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2279% | 2,350 |
| Assets per employee ($millions) | 5.9559% | 2,783 |
| Cash dividends to net income (ytd only)* | 28.3186% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,003 |
| Loan loss allowance to noncurrent loans | 1,911.1111% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,781 |
| Noncurrent loans to loans | 0.0462% | 3,602 |
| Net loans and leases to total assets | 48.0185% | 3,553 |
| Net loans and leases to deposits | 56.3146% | 3,352 |
| Net loans and leases to core deposits | 59.3213% | 3,319 |
| Total domestic deposits to total assets | 85.2682% | 3,421 |
| Equity capital to assets | 13.3637% | 597 |
| Core capital (leverage) ratio | 14.2998% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9033% | 272 |
| Memoranda: | ||
| Average total assets | $160,191,000 | 3,409 |
| Average earning assets | $144,464,667 | 3,452 |
| Average equity | $23,160,667 | 2,806 |
| Average total loans | $77,921,667 | 3,485 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9425% | 3,423 |
| Cost of funding earning assets | 0.1091% | 4,032 |
| Net interest margin | 2.8334% | 3,029 |
| Noninterest income to average assets | 0.4178% | 2,570 |
| Noninterest expense to average assets | 2.0390% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7706% | 2,774 |
| Return on assets (ROA) | 0.7706% | 2,766 |
| Pretax return on assets | 0.9132% | 2,724 |
| Return on Equity (ROE) | 5.1342% | 3,587 |
| Retained earnings to average equity (ytd only) | 5.1342% | 2,545 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0678% | 2,365 |
| Assets per employee ($millions) | 5.9428% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 48.3537% | 3,348 |
| Net loans and leases to deposits | 57.1443% | 3,161 |
| Net loans and leases to core deposits | 60.2671% | 3,119 |
| Total domestic deposits to total assets | 84.6169% | 3,630 |
| Equity capital to assets | 14.1211% | 509 |
| Core capital (leverage) ratio | 13.8847% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4839% | 279 |
| Memoranda: | ||
| Average total assets | $159,882,000 | 3,422 |
| Average earning assets | $143,008,000 | 3,481 |
| Average equity | $23,996,000 | 2,839 |
| Average total loans | $77,929,500 | 3,493 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2204% | 3,430 |
| Cost of funding earning assets | 0.1307% | 4,149 |
| Net interest margin | 3.0897% | 2,943 |
| Noninterest income to average assets | 0.4137% | 2,979 |
| Noninterest expense to average assets | 2.0846% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8794% | 3,113 |
| Return on assets (ROA) | 0.8794% | 3,171 |
| Pretax return on assets | 1.0703% | 3,063 |
| Return on Equity (ROE) | 5.2714% | 3,938 |
| Retained earnings to average equity (ytd only) | 1.9953% | 3,982 |
| Net charge-offs to loans | -0.0118% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0747% | 2,249 |
| Assets per employee ($millions) | 5.6896% | 3,070 |
| Cash dividends to net income (ytd only)* | 62.1481% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 4,096 |
| Loan loss allowance to noncurrent loans | 1,635.7143% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,865 |
| Noncurrent loans to loans | 0.0541% | 3,692 |
| Net loans and leases to total assets | 48.2703% | 3,475 |
| Net loans and leases to deposits | 58.0549% | 3,254 |
| Net loans and leases to core deposits | 61.3151% | 3,215 |
| Total domestic deposits to total assets | 83.1460% | 3,772 |
| Equity capital to assets | 15.9024% | 393 |
| Core capital (leverage) ratio | 14.8327% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6578% | 290 |
| Memoranda: | ||
| Average total assets | $153,508,600 | 3,454 |
| Average earning assets | $136,193,200 | 3,520 |
| Average equity | $25,610,000 | 2,805 |
| Average total loans | $76,172,800 | 3,538 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 3,371 |
| Cost of funding earning assets | 0.1394% | 4,195 |
| Net interest margin | 3.1695% | 2,832 |
| Noninterest income to average assets | 0.3972% | 3,097 |
| Noninterest expense to average assets | 2.0912% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9110% | 3,212 |
| Return on assets (ROA) | 0.9110% | 3,285 |
| Pretax return on assets | 1.1162% | 3,167 |
| Return on Equity (ROE) | 5.3947% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.7747% | 3,649 |
| Net charge-offs to loans | -0.0141% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1996% | 2,220 |
| Assets per employee ($millions) | 5.9738% | 2,724 |
| Cash dividends to net income (ytd only)* | 30.0289% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.5617% | 3,567 |
| Net loans and leases to deposits | 58.9441% | 3,329 |
| Net loans and leases to core deposits | 62.7295% | 3,243 |
| Total domestic deposits to total assets | 82.3860% | 3,849 |
| Equity capital to assets | 16.6411% | 363 |
| Core capital (leverage) ratio | 15.2245% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6878% | 283 |
| Memoranda: | ||
| Average total assets | $152,058,500 | 3,502 |
| Average earning assets | $134,823,000 | 3,570 |
| Average equity | $25,679,000 | 2,836 |
| Average total loans | $75,819,500 | 3,601 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4786% | 2,943 |
| Cost of funding earning assets | 0.1454% | 4,245 |
| Net interest margin | 3.3332% | 2,343 |
| Noninterest income to average assets | 0.3921% | 3,140 |
| Noninterest expense to average assets | 2.1024% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9936% | 2,909 |
| Return on assets (ROA) | 0.9936% | 2,994 |
| Pretax return on assets | 1.2347% | 2,817 |
| Return on Equity (ROE) | 5.8541% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.3555% | 3,408 |
| Net charge-offs to loans | -0.0185% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0012% | 2,572 |
| Assets per employee ($millions) | 5.9687% | 2,650 |
| Cash dividends to net income (ytd only)* | 25.6000% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 4,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.0681% | 3,719 |
| Net loans and leases to deposits | 58.4807% | 3,498 |
| Net loans and leases to core deposits | 62.1521% | 3,445 |
| Total domestic deposits to total assets | 82.1949% | 3,886 |
| Equity capital to assets | 16.6478% | 358 |
| Core capital (leverage) ratio | 15.1579% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3967% | 263 |
| Memoranda: | ||
| Average total assets | $150,971,333 | 3,521 |
| Average earning assets | $133,387,333 | 3,593 |
| Average equity | $25,623,000 | 2,835 |
| Average total loans | $75,722,000 | 3,623 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 3,054 |
| Cost of funding earning assets | 0.1547% | 4,275 |
| Net interest margin | 3.3009% | 2,388 |
| Noninterest income to average assets | 0.3816% | 3,192 |
| Noninterest expense to average assets | 2.1308% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9727% | 2,893 |
| Return on assets (ROA) | 0.9727% | 2,990 |
| Pretax return on assets | 1.1742% | 2,916 |
| Return on Equity (ROE) | 5.6746% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.6746% | 3,011 |
| Net charge-offs to loans | -0.0316% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4715% | 2,413 |
| Assets per employee ($millions) | 6.0904% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 4,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 49.2391% | 3,693 |
| Net loans and leases to deposits | 59.8232% | 3,502 |
| Net loans and leases to core deposits | 63.3073% | 3,474 |
| Total domestic deposits to total assets | 82.3078% | 3,832 |
| Equity capital to assets | 16.6729% | 339 |
| Core capital (leverage) ratio | 15.6915% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2947% | 268 |
| Memoranda: | ||
| Average total assets | $148,864,000 | 3,541 |
| Average earning assets | $131,842,500 | 3,612 |
| Average equity | $25,517,000 | 2,836 |
| Average total loans | $75,943,000 | 3,631 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 4,028 |
| Cost of funding earning assets | 0.2305% | 4,462 |
| Net interest margin | 3.2752% | 3,144 |
| Noninterest income to average assets | 0.4620% | 2,809 |
| Noninterest expense to average assets | 2.4014% | 3,131 |
| Loan and lease loss provision to assets | 0.0109% | 4,225 |
| Net operating income to assets | 0.8407% | 2,938 |
| Return on assets (ROA) | 0.8782% | 2,931 |
| Pretax return on assets | 1.0249% | 2,959 |
| Return on Equity (ROE) | 4.7652% | 3,965 |
| Retained earnings to average equity (ytd only) | -0.9735% | 4,635 |
| Net charge-offs to loans | 0.0119% | 2,900 |
| Credit loss provision to net charge-offs | 166.6667% | 2,336 |
| Earnings coverage of net charge-offs (x) | 151.7778% | 565 |
| Efficiency ratio | 70.7620% | 1,841 |
| Assets per employee ($millions) | 5.8188% | 2,527 |
| Cash dividends to net income (ytd only)* | 120.4301% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 51.9375% | 3,667 |
| Net loans and leases to deposits | 64.2053% | 3,420 |
| Net loans and leases to core deposits | 68.0468% | 3,411 |
| Total domestic deposits to total assets | 80.8928% | 3,893 |
| Equity capital to assets | 17.6312% | 295 |
| Core capital (leverage) ratio | 15.8824% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5658% | 274 |
| Memoranda: | ||
| Average total assets | $137,670,400 | 3,541 |
| Average earning assets | $123,229,200 | 3,593 |
| Average equity | $25,371,600 | 2,774 |
| Average total loans | $75,575,000 | 3,633 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 4,073 |
| Cost of funding earning assets | 0.2458% | 4,528 |
| Net interest margin | 3.3320% | 3,093 |
| Noninterest income to average assets | 0.4264% | 2,953 |
| Noninterest expense to average assets | 2.4226% | 3,074 |
| Loan and lease loss provision to assets | 0.0096% | 4,181 |
| Net operating income to assets | 0.8586% | 2,870 |
| Return on assets (ROA) | 0.8586% | 3,003 |
| Pretax return on assets | 0.9775% | 3,140 |
| Return on Equity (ROE) | 4.6055% | 4,000 |
| Retained earnings to average equity (ytd only) | -1.6757% | 4,678 |
| Net charge-offs to loans | 0.0141% | 2,611 |
| Credit loss provision to net charge-offs | 125.0000% | 2,470 |
| Earnings coverage of net charge-offs (x) | 125.6250% | 676 |
| Efficiency ratio | 71.0458% | 1,746 |
| Assets per employee ($millions) | 5.2626% | 2,933 |
| Cash dividends to net income (ytd only)* | 136.3844% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.1301% | 3,879 |
| Net loans and leases to deposits | 65.9117% | 3,628 |
| Net loans and leases to core deposits | 69.9823% | 3,627 |
| Total domestic deposits to total assets | 80.6079% | 3,752 |
| Equity capital to assets | 18.0317% | 299 |
| Core capital (leverage) ratio | 16.1306% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6007% | 288 |
| Memoranda: | ||
| Average total assets | $135,720,750 | 3,557 |
| Average earning assets | $121,526,500 | 3,599 |
| Average equity | $25,302,500 | 2,770 |
| Average total loans | $75,411,000 | 3,654 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,135 |
| Cost of funding earning assets | 0.2649% | 4,579 |
| Net interest margin | 3.4098% | 3,068 |
| Noninterest income to average assets | 0.4461% | 2,824 |
| Noninterest expense to average assets | 2.4476% | 3,114 |
| Loan and lease loss provision to assets | 0.0150% | 4,040 |
| Net operating income to assets | 0.8982% | 2,696 |
| Return on assets (ROA) | 0.8982% | 2,818 |
| Pretax return on assets | 1.0285% | 2,939 |
| Return on Equity (ROE) | 4.7626% | 3,894 |
| Retained earnings to average equity (ytd only) | -4.6991% | 4,759 |
| Net charge-offs to loans | 0.0239% | 2,236 |
| Credit loss provision to net charge-offs | 111.1111% | 2,332 |
| Earnings coverage of net charge-offs (x) | 77.4444% | 828 |
| Efficiency ratio | 70.1115% | 1,940 |
| Assets per employee ($millions) | 5.2302% | 2,904 |
| Cash dividends to net income (ytd only)* | 198.6667% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 4,055 |
| Loan loss allowance to noncurrent loans | 708.4211% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 4,191 |
| Noncurrent loans to loans | 0.1250% | 3,956 |
| Net loans and leases to total assets | 53.3438% | 3,931 |
| Net loans and leases to deposits | 66.2422% | 3,699 |
| Net loans and leases to core deposits | 70.1763% | 3,691 |
| Total domestic deposits to total assets | 80.5284% | 3,720 |
| Equity capital to assets | 17.9335% | 305 |
| Core capital (leverage) ratio | 16.4903% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0004% | 305 |
| Memoranda: | ||
| Average total assets | $133,598,000 | 3,558 |
| Average earning assets | $119,303,000 | 3,606 |
| Average equity | $25,196,333 | 2,767 |
| Average total loans | $75,159,333 | 3,664 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,414 |
| Cost of funding earning assets | 0.2815% | 4,705 |
| Net interest margin | 3.4089% | 3,271 |
| Noninterest income to average assets | 0.5054% | 2,524 |
| Noninterest expense to average assets | 2.5241% | 3,198 |
| Loan and lease loss provision to assets | 0.0308% | 3,388 |
| Net operating income to assets | 0.9153% | 2,465 |
| Return on assets (ROA) | 0.9153% | 2,575 |
| Pretax return on assets | 1.0479% | 2,673 |
| Return on Equity (ROE) | 4.7270% | 3,732 |
| Retained earnings to average equity (ytd only) | -11.1889% | 4,800 |
| Net charge-offs to loans | 0.0107% | 2,195 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 379 |
| Efficiency ratio | 70.0599% | 2,342 |
| Assets per employee ($millions) | 4.8207% | 2,852 |
| Cash dividends to net income (ytd only)* | 336.7003% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,082 |
| Loan loss allowance to noncurrent loans | 1,446.8085% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 4,435 |
| Noncurrent loans to loans | 0.0628% | 4,288 |
| Net loans and leases to total assets | 57.0052% | 3,754 |
| Net loans and leases to deposits | 71.6467% | 3,461 |
| Net loans and leases to core deposits | 76.3393% | 3,473 |
| Total domestic deposits to total assets | 79.5644% | 3,936 |
| Equity capital to assets | 19.0919% | 279 |
| Core capital (leverage) ratio | 17.2710% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9122% | 287 |
| Memoranda: | ||
| Average total assets | $129,789,000 | 3,588 |
| Average earning assets | $117,926,500 | 3,606 |
| Average equity | $25,132,000 | 2,767 |
| Average total loans | $74,737,500 | 3,669 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,625 |
| Cost of funding earning assets | 0.2652% | 4,812 |
| Net interest margin | 3.4897% | 3,483 |
| Noninterest income to average assets | 0.5177% | 2,638 |
| Noninterest expense to average assets | 2.4991% | 3,453 |
| Loan and lease loss provision to assets | 0.0156% | 3,703 |
| Net operating income to assets | 0.9501% | 3,017 |
| Return on assets (ROA) | 0.9501% | 3,103 |
| Pretax return on assets | 1.1925% | 2,868 |
| Return on Equity (ROE) | 4.8984% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.0600% | 3,492 |
| Net charge-offs to loans | 0.0027% | 3,595 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 772.5000% | 132 |
| Efficiency ratio | 67.4119% | 2,542 |
| Assets per employee ($millions) | 4.7933% | 2,847 |
| Cash dividends to net income (ytd only)* | 37.5309% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 3,955 |
| Loan loss allowance to noncurrent loans | 1,158.6207% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,383 |
| Noncurrent loans to loans | 0.0778% | 4,214 |
| Net loans and leases to total assets | 57.1211% | 3,839 |
| Net loans and leases to deposits | 72.5302% | 3,471 |
| Net loans and leases to core deposits | 77.2708% | 3,496 |
| Total domestic deposits to total assets | 78.7549% | 4,229 |
| Equity capital to assets | 19.6371% | 263 |
| Core capital (leverage) ratio | 17.9643% | 341 |
| Tier 1 risk-based capital ratio | 30.1657% | 468 |
| Total risk-based capital ratio | 31.0598% | 473 |
| Memoranda: | ||
| Average total assets | $127,883,800 | 3,588 |
| Average earning assets | $116,886,200 | 3,602 |
| Average equity | $24,803,800 | 2,729 |
| Average total loans | $75,365,400 | 3,674 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 4,701 |
| Cost of funding earning assets | 0.2553% | 4,913 |
| Net interest margin | 3.5202% | 3,503 |
| Noninterest income to average assets | 0.5187% | 2,613 |
| Noninterest expense to average assets | 2.5202% | 3,376 |
| Loan and lease loss provision to assets | 0.0209% | 3,495 |
| Net operating income to assets | 0.9244% | 3,258 |
| Return on assets (ROA) | 0.9244% | 3,328 |
| Pretax return on assets | 1.1932% | 3,002 |
| Return on Equity (ROE) | 4.7813% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.7428% | 3,525 |
| Net charge-offs to loans | -0.0088% | 4,342 |
| Credit loss provision to net charge-offs | -400.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4881% | 2,501 |
| Assets per employee ($millions) | 5.0802% | 2,465 |
| Cash dividends to net income (ytd only)* | 21.7191% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,104 |
| Loan loss allowance to noncurrent loans | 153.6199% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 3,116 |
| Noncurrent loans to loans | 0.5767% | 2,569 |
| Net loans and leases to total assets | 59.8099% | 3,693 |
| Net loans and leases to deposits | 76.1026% | 3,283 |
| Net loans and leases to core deposits | 80.6277% | 3,340 |
| Total domestic deposits to total assets | 78.5912% | 4,251 |
| Equity capital to assets | 19.9214% | 262 |
| Core capital (leverage) ratio | 18.1948% | 340 |
| Tier 1 risk-based capital ratio | 29.5922% | 498 |
| Total risk-based capital ratio | 30.4811% | 501 |
| Memoranda: | ||
| Average total assets | $127,500,250 | 3,634 |
| Average earning assets | $116,468,750 | 3,644 |
| Average equity | $24,651,250 | 2,757 |
| Average total loans | $75,557,500 | 3,713 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 4,756 |
| Cost of funding earning assets | 0.2470% | 4,965 |
| Net interest margin | 3.5149% | 3,551 |
| Noninterest income to average assets | 0.5123% | 2,611 |
| Noninterest expense to average assets | 2.5300% | 3,388 |
| Loan and lease loss provision to assets | 0.0157% | 3,467 |
| Net operating income to assets | 0.8601% | 3,431 |
| Return on assets (ROA) | 0.8601% | 3,494 |
| Pretax return on assets | 1.1765% | 2,996 |
| Return on Equity (ROE) | 4.4936% | 4,470 |
| Retained earnings to average equity (ytd only) | 2.9221% | 3,754 |
| Net charge-offs to loans | -0.0133% | 4,412 |
| Credit loss provision to net charge-offs | -200.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9714% | 2,533 |
| Assets per employee ($millions) | 4.8961% | 2,605 |
| Cash dividends to net income (ytd only)* | 34.9727% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,135 |
| Loan loss allowance to noncurrent loans | 1,520.4545% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,596 |
| Noncurrent loans to loans | 0.0586% | 4,420 |
| Net loans and leases to total assets | 58.4715% | 3,867 |
| Net loans and leases to deposits | 74.2081% | 3,500 |
| Net loans and leases to core deposits | 78.5614% | 3,534 |
| Total domestic deposits to total assets | 78.7939% | 4,256 |
| Equity capital to assets | 19.5525% | 265 |
| Core capital (leverage) ratio | 17.5864% | 372 |
| Tier 1 risk-based capital ratio | 29.6940% | 489 |
| Total risk-based capital ratio | 30.5860% | 495 |
| Memoranda: | ||
| Average total assets | $127,665,670 | 3,655 |
| Average earning assets | $116,590,000 | 3,669 |
| Average equity | $24,434,670 | 2,774 |
| Average total loans | $75,196,670 | 3,744 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 4,781 |
| Cost of funding earning assets | 0.2413% | 5,011 |
| Net interest margin | 3.5092% | 3,569 |
| Noninterest income to average assets | 0.5162% | 2,459 |
| Noninterest expense to average assets | 2.4873% | 3,544 |
| Loan and lease loss provision to assets | 0.0313% | 3,001 |
| Net operating income to assets | 0.7133% | 3,890 |
| Return on assets (ROA) | 0.7133% | 3,935 |
| Pretax return on assets | 1.1826% | 2,867 |
| Return on Equity (ROE) | 3.7675% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.7675% | 3,416 |
| Net charge-offs to loans | -0.0159% | 4,402 |
| Credit loss provision to net charge-offs | -333.3333% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2020% | 2,760 |
| Assets per employee ($millions) | 4.9938% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,213 |
| Loan loss allowance to noncurrent loans | 1,515.9091% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 4,667 |
| Noncurrent loans to loans | 0.0585% | 4,499 |
| Net loans and leases to total assets | 57.3780% | 3,952 |
| Net loans and leases to deposits | 71.9540% | 3,607 |
| Net loans and leases to core deposits | 76.0271% | 3,660 |
| Total domestic deposits to total assets | 79.7426% | 4,215 |
| Equity capital to assets | 18.8703% | 292 |
| Core capital (leverage) ratio | 17.5885% | 361 |
| Tier 1 risk-based capital ratio | 29.3724% | 496 |
| Total risk-based capital ratio | 30.2572% | 501 |
| Memoranda: | ||
| Average total assets | $127,849,500 | 3,684 |
| Average earning assets | $116,038,500 | 3,713 |
| Average equity | $24,207,000 | 2,791 |
| Average total loans | $75,244,000 | 3,779 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,587 |
| Cost of funding earning assets | 0.1720% | 5,103 |
| Net interest margin | 3.5786% | 3,458 |
| Noninterest income to average assets | 0.7382% | 1,696 |
| Noninterest expense to average assets | 2.5805% | 3,394 |
| Loan and lease loss provision to assets | 0.0595% | 2,973 |
| Net operating income to assets | 1.1130% | 2,542 |
| Return on assets (ROA) | 1.1136% | 2,541 |
| Pretax return on assets | 1.3184% | 2,437 |
| Return on Equity (ROE) | 5.8991% | 4,208 |
| Retained earnings to average equity (ytd only) | 2.1149% | 4,312 |
| Net charge-offs to loans | 0.0622% | 2,239 |
| Credit loss provision to net charge-offs | 159.5745% | 1,739 |
| Earnings coverage of net charge-offs (x) | 36.9149% | 1,403 |
| Efficiency ratio | 65.2026% | 3,000 |
| Assets per employee ($millions) | 4.6615% | 2,941 |
| Cash dividends to net income (ytd only)* | 64.1483% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,303 |
| Loan loss allowance to noncurrent loans | 1,453.3333% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 4,665 |
| Noncurrent loans to loans | 0.0597% | 4,482 |
| Net loans and leases to total assets | 59.3262% | 3,838 |
| Net loans and leases to deposits | 74.6926% | 3,444 |
| Net loans and leases to core deposits | 79.0715% | 3,494 |
| Total domestic deposits to total assets | 79.4271% | 4,227 |
| Equity capital to assets | 18.9997% | 273 |
| Core capital (leverage) ratio | 17.7498% | 354 |
| Tier 1 risk-based capital ratio | 29.6364% | 481 |
| Total risk-based capital ratio | 30.5210% | 490 |
| Memoranda: | ||
| Average total assets | $125,983,000 | 3,698 |
| Average earning assets | $113,339,800 | 3,752 |
| Average equity | $23,783,200 | 2,742 |
| Average total loans | $75,566,200 | 3,759 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 4,605 |
| Cost of funding earning assets | 0.1506% | 5,214 |
| Net interest margin | 3.5751% | 3,447 |
| Noninterest income to average assets | 0.7946% | 1,490 |
| Noninterest expense to average assets | 2.5499% | 3,441 |
| Loan and lease loss provision to assets | 0.0529% | 2,924 |
| Net operating income to assets | 1.1831% | 2,306 |
| Return on assets (ROA) | 1.1840% | 2,302 |
| Pretax return on assets | 1.4072% | 2,201 |
| Return on Equity (ROE) | 6.2817% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.0692% | 3,199 |
| Net charge-offs to loans | 0.0599% | 1,965 |
| Credit loss provision to net charge-offs | 147.0588% | 1,738 |
| Earnings coverage of net charge-offs (x) | 40.5608% | 1,344 |
| Efficiency ratio | 63.6052% | 3,250 |
| Assets per employee ($millions) | 4.6823% | 2,865 |
| Cash dividends to net income (ytd only)* | 19.3028% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 4,498 |
| Loan loss allowance to noncurrent loans | 1,395.6522% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,807 |
| Noncurrent loans to loans | 0.0601% | 4,622 |
| Net loans and leases to total assets | 60.0650% | 3,836 |
| Net loans and leases to deposits | 76.1408% | 3,408 |
| Net loans and leases to core deposits | 79.9629% | 3,498 |
| Total domestic deposits to total assets | 78.8868% | 4,336 |
| Equity capital to assets | 18.9720% | 274 |
| Core capital (leverage) ratio | 17.8869% | 338 |
| Tier 1 risk-based capital ratio | 29.7180% | 492 |
| Total risk-based capital ratio | 30.5731% | 498 |
| Memoranda: | ||
| Average total assets | $126,013,750 | 3,728 |
| Average earning assets | $113,301,000 | 3,793 |
| Average equity | $23,750,750 | 2,762 |
| Average total loans | $75,627,250 | 3,796 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,618 |
| Cost of funding earning assets | 0.1436% | 5,271 |
| Net interest margin | 3.5427% | 3,493 |
| Noninterest income to average assets | 0.7483% | 1,655 |
| Noninterest expense to average assets | 2.5263% | 3,563 |
| Loan and lease loss provision to assets | 0.0556% | 2,797 |
| Net operating income to assets | 1.1328% | 2,466 |
| Return on assets (ROA) | 1.1328% | 2,474 |
| Pretax return on assets | 1.3410% | 2,358 |
| Return on Equity (ROE) | 6.0238% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.1989% | 3,509 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3985% | 3,267 |
| Assets per employee ($millions) | 4.6660% | 2,862 |
| Cash dividends to net income (ytd only)* | 30.2945% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,443 |
| Loan loss allowance to noncurrent loans | 806.0976% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 4,692 |
| Noncurrent loans to loans | 0.1086% | 4,423 |
| Net loans and leases to total assets | 59.4018% | 3,861 |
| Net loans and leases to deposits | 73.7996% | 3,559 |
| Net loans and leases to core deposits | 77.6708% | 3,604 |
| Total domestic deposits to total assets | 80.4907% | 4,139 |
| Equity capital to assets | 18.8370% | 274 |
| Core capital (leverage) ratio | 17.4160% | 354 |
| Tier 1 risk-based capital ratio | 29.6500% | 486 |
| Total risk-based capital ratio | 30.5447% | 496 |
| Memoranda: | ||
| Average total assets | $125,877,330 | 3,762 |
| Average earning assets | $112,794,330 | 3,833 |
| Average equity | $23,672,670 | 2,778 |
| Average total loans | $75,310,330 | 3,827 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,508 |
| Cost of funding earning assets | 0.1430% | 5,300 |
| Net interest margin | 3.5395% | 3,392 |
| Noninterest income to average assets | 0.9314% | 1,070 |
| Noninterest expense to average assets | 2.5877% | 3,368 |
| Loan and lease loss provision to assets | 0.0318% | 3,088 |
| Net operating income to assets | 1.2303% | 1,892 |
| Return on assets (ROA) | 1.2303% | 1,899 |
| Pretax return on assets | 1.4592% | 1,806 |
| Return on Equity (ROE) | 6.5473% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.5473% | 2,476 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4451% | 3,568 |
| Assets per employee ($millions) | 4.7111% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,651 |
| Loan loss allowance to noncurrent loans | 766.2651% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,764 |
| Noncurrent loans to loans | 0.1105% | 4,474 |
| Net loans and leases to total assets | 58.5302% | 3,890 |
| Net loans and leases to deposits | 72.2902% | 3,575 |
| Net loans and leases to core deposits | 75.8249% | 3,682 |
| Total domestic deposits to total assets | 80.9656% | 4,218 |
| Equity capital to assets | 18.5808% | 277 |
| Core capital (leverage) ratio | 17.5638% | 340 |
| Tier 1 risk-based capital ratio | 29.6306% | 487 |
| Total risk-based capital ratio | 30.4952% | 500 |
| Memoranda: | ||
| Average total assets | $125,825,500 | 3,799 |
| Average earning assets | $111,881,500 | 3,889 |
| Average equity | $23,643,500 | 2,807 |
| Average total loans | $75,217,500 | 3,863 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5813% | 4,609 |
| Cost of funding earning assets | 0.1356% | 5,342 |
| Net interest margin | 3.4457% | 3,703 |
| Noninterest income to average assets | 0.5984% | 2,458 |
| Noninterest expense to average assets | 2.5712% | 3,538 |
| Loan and lease loss provision to assets | 0.0556% | 3,120 |
| Net operating income to assets | 1.1380% | 1,720 |
| Return on assets (ROA) | 1.0547% | 2,065 |
| Pretax return on assets | 0.9539% | 3,722 |
| Return on Equity (ROE) | 5.7373% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.9501% | 2,823 |
| Net charge-offs to loans | 0.0057% | 3,878 |
| Credit loss provision to net charge-offs | 1,750.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 344.2500% | 256 |
| Efficiency ratio | 70.1754% | 2,519 |
| Assets per employee ($millions) | 4.6093% | 3,014 |
| Cash dividends to net income (ytd only)* | 31.1512% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 4,737 |
| Loan loss allowance to noncurrent loans | 1,304.1667% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 3,841 |
| Noncurrent loans to loans | 0.0637% | 4,705 |
| Net loans and leases to total assets | 60.0418% | 3,827 |
| Net loans and leases to deposits | 74.8905% | 3,438 |
| Net loans and leases to core deposits | 78.4269% | 3,553 |
| Total domestic deposits to total assets | 80.1728% | 4,306 |
| Equity capital to assets | 19.0052% | 252 |
| Core capital (leverage) ratio | 17.4146% | 338 |
| Tier 1 risk-based capital ratio | 29.2421% | 489 |
| Total risk-based capital ratio | 30.0971% | 497 |
| Memoranda: | ||
| Average total assets | $126,009,000 | 3,807 |
| Average earning assets | $112,111,600 | 3,879 |
| Average equity | $23,164,200 | 2,844 |
| Average total loans | $69,762,400 | 3,968 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 4,725 |
| Cost of funding earning assets | 0.1306% | 5,425 |
| Net interest margin | 3.4053% | 3,835 |
| Noninterest income to average assets | 0.6139% | 2,398 |
| Noninterest expense to average assets | 2.5253% | 3,648 |
| Loan and lease loss provision to assets | 0.0264% | 3,606 |
| Net operating income to assets | 0.8447% | 3,293 |
| Return on assets (ROA) | 0.8586% | 3,281 |
| Pretax return on assets | 1.1065% | 3,277 |
| Return on Equity (ROE) | 4.7101% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.8421% | 3,633 |
| Net charge-offs to loans | 0.0059% | 3,521 |
| Credit loss provision to net charge-offs | 833.3333% | 420 |
| Earnings coverage of net charge-offs (x) | 352.3250% | 266 |
| Efficiency ratio | 69.3712% | 2,638 |
| Assets per employee ($millions) | 4.6677% | 2,880 |
| Cash dividends to net income (ytd only)* | 18.4279% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 4,890 |
| Loan loss allowance to noncurrent loans | 1,187.7551% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 4,031 |
| Noncurrent loans to loans | 0.0674% | 4,804 |
| Net loans and leases to total assets | 57.2108% | 4,137 |
| Net loans and leases to deposits | 71.3447% | 3,844 |
| Net loans and leases to core deposits | 74.8611% | 3,900 |
| Total domestic deposits to total assets | 80.1892% | 4,280 |
| Equity capital to assets | 18.7150% | 285 |
| Core capital (leverage) ratio | 17.0075% | 385 |
| Tier 1 risk-based capital ratio | 29.2720% | 507 |
| Total risk-based capital ratio | 30.0789% | 521 |
| Memoranda: | ||
| Average total assets | $126,398,750 | 3,843 |
| Average earning assets | $112,332,000 | 3,919 |
| Average equity | $23,042,250 | 2,873 |
| Average total loans | $68,366,000 | 4,034 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 4,777 |
| Cost of funding earning assets | 0.1289% | 5,455 |
| Net interest margin | 3.3666% | 3,890 |
| Noninterest income to average assets | 0.5548% | 2,686 |
| Noninterest expense to average assets | 2.5007% | 3,749 |
| Loan and lease loss provision to assets | 0.0079% | 3,771 |
| Net operating income to assets | 0.7999% | 3,403 |
| Return on assets (ROA) | 0.7999% | 3,462 |
| Pretax return on assets | 1.0196% | 3,481 |
| Return on Equity (ROE) | 4.4268% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.1145% | 3,857 |
| Net charge-offs to loans | 0.0090% | 3,144 |
| Credit loss provision to net charge-offs | 166.6667% | 1,422 |
| Earnings coverage of net charge-offs (x) | 216.6667% | 388 |
| Efficiency ratio | 70.8781% | 2,528 |
| Assets per employee ($millions) | 4.7491% | 2,725 |
| Cash dividends to net income (ytd only)* | 29.6443% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,915 |
| Loan loss allowance to noncurrent loans | 1,124.0000% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,111 |
| Noncurrent loans to loans | 0.0724% | 4,841 |
| Net loans and leases to total assets | 53.4416% | 4,442 |
| Net loans and leases to deposits | 66.2138% | 4,209 |
| Net loans and leases to core deposits | 69.2196% | 4,278 |
| Total domestic deposits to total assets | 80.7106% | 4,258 |
| Equity capital to assets | 18.1703% | 316 |
| Core capital (leverage) ratio | 16.6689% | 400 |
| Tier 1 risk-based capital ratio | 29.5492% | 490 |
| Total risk-based capital ratio | 30.3474% | 497 |
| Memoranda: | ||
| Average total assets | $126,522,670 | 3,861 |
| Average earning assets | $111,745,000 | 3,947 |
| Average equity | $22,861,000 | 2,893 |
| Average total loans | $66,927,000 | 4,083 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 4,595 |
| Cost of funding earning assets | 0.1314% | 5,480 |
| Net interest margin | 3.4020% | 3,649 |
| Noninterest income to average assets | 0.5602% | 2,610 |
| Noninterest expense to average assets | 2.5431% | 3,679 |
| Loan and lease loss provision to assets | 0.0159% | 3,364 |
| Net operating income to assets | 0.7639% | 3,409 |
| Return on assets (ROA) | 0.7639% | 3,458 |
| Pretax return on assets | 0.9676% | 3,504 |
| Return on Equity (ROE) | 4.2399% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.2399% | 3,323 |
| Net charge-offs to loans | 0.0972% | 1,393 |
| Credit loss provision to net charge-offs | 31.2500% | 2,107 |
| Earnings coverage of net charge-offs (x) | 19.3125% | 1,535 |
| Efficiency ratio | 72.1119% | 2,553 |
| Assets per employee ($millions) | 4.7091% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,966 |
| Loan loss allowance to noncurrent loans | 1,098.0000% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 4,187 |
| Noncurrent loans to loans | 0.0762% | 4,894 |
| Net loans and leases to total assets | 51.2022% | 4,577 |
| Net loans and leases to deposits | 63.0781% | 4,363 |
| Net loans and leases to core deposits | 65.7818% | 4,440 |
| Total domestic deposits to total assets | 81.1727% | 4,376 |
| Equity capital to assets | 17.9897% | 302 |
| Core capital (leverage) ratio | 16.7959% | 381 |
| Tier 1 risk-based capital ratio | 30.4995% | 462 |
| Total risk-based capital ratio | 31.3088% | 479 |
| Memoranda: | ||
| Average total assets | $125,671,000 | 3,907 |
| Average earning assets | $109,582,000 | 4,021 |
| Average equity | $22,642,000 | 2,932 |
| Average total loans | $65,846,500 | 4,133 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5652% | 4,604 |
| Cost of funding earning assets | 0.1571% | 5,371 |
| Net interest margin | 3.4080% | 3,798 |
| Noninterest income to average assets | 0.6080% | 2,619 |
| Noninterest expense to average assets | 2.4883% | 4,052 |
| Loan and lease loss provision to assets | 0.0563% | 3,253 |
| Net operating income to assets | 0.7895% | 3,350 |
| Return on assets (ROA) | 0.8235% | 3,287 |
| Pretax return on assets | 1.0728% | 3,209 |
| Return on Equity (ROE) | 4.4847% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.7766% | 3,925 |
| Net charge-offs to loans | 0.0799% | 2,544 |
| Credit loss provision to net charge-offs | 129.6296% | 2,071 |
| Earnings coverage of net charge-offs (x) | 24.9815% | 1,607 |
| Efficiency ratio | 69.6376% | 2,973 |
| Assets per employee ($millions) | 4.7768% | 2,684 |
| Cash dividends to net income (ytd only)* | 38.0859% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,964 |
| Loan loss allowance to noncurrent loans | 156.8627% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 3,230 |
| Noncurrent loans to loans | 0.5406% | 3,227 |
| Net loans and leases to total assets | 52.7251% | 4,553 |
| Net loans and leases to deposits | 65.1235% | 4,321 |
| Net loans and leases to core deposits | 67.9200% | 4,402 |
| Total domestic deposits to total assets | 80.9617% | 4,343 |
| Equity capital to assets | 18.0447% | 299 |
| Core capital (leverage) ratio | 16.9046% | 366 |
| Tier 1 risk-based capital ratio | 30.9552% | 442 |
| Total risk-based capital ratio | 31.8029% | 454 |
| Memoranda: | ||
| Average total assets | $124,343,000 | 3,920 |
| Average earning assets | $108,185,200 | 4,037 |
| Average equity | $22,833,400 | 2,905 |
| Average total loans | $67,561,400 | 4,100 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,611 |
| Cost of funding earning assets | 0.1624% | 5,399 |
| Net interest margin | 3.4168% | 3,792 |
| Noninterest income to average assets | 0.6110% | 2,605 |
| Noninterest expense to average assets | 2.5030% | 3,976 |
| Loan and lease loss provision to assets | 0.0697% | 2,822 |
| Net operating income to assets | 0.7774% | 3,472 |
| Return on assets (ROA) | 0.8222% | 3,406 |
| Pretax return on assets | 1.0752% | 3,332 |
| Return on Equity (ROE) | 4.4581% | 4,735 |
| Retained earnings to average equity (ytd only) | 3.5863% | 3,743 |
| Net charge-offs to loans | 0.0648% | 2,418 |
| Credit loss provision to net charge-offs | 196.9697% | 1,458 |
| Earnings coverage of net charge-offs (x) | 30.6961% | 1,464 |
| Efficiency ratio | 69.7431% | 2,928 |
| Assets per employee ($millions) | 4.7183% | 2,716 |
| Cash dividends to net income (ytd only)* | 19.5572% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,992 |
| Loan loss allowance to noncurrent loans | 87.4052% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 2,520 |
| Noncurrent loans to loans | 0.9883% | 2,265 |
| Net loans and leases to total assets | 53.8875% | 4,497 |
| Net loans and leases to deposits | 67.5485% | 4,197 |
| Net loans and leases to core deposits | 70.5307% | 4,283 |
| Total domestic deposits to total assets | 79.7760% | 4,563 |
| Equity capital to assets | 18.9727% | 268 |
| Core capital (leverage) ratio | 16.5982% | 400 |
| Tier 1 risk-based capital ratio | 30.9646% | 448 |
| Total risk-based capital ratio | 31.8375% | 456 |
| Memoranda: | ||
| Average total assets | $124,379,500 | 3,942 |
| Average earning assets | $108,402,500 | 4,058 |
| Average equity | $22,939,000 | 2,921 |
| Average total loans | $67,941,000 | 4,123 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,628 |
| Cost of funding earning assets | 0.1654% | 5,454 |
| Net interest margin | 3.4224% | 3,790 |
| Noninterest income to average assets | 0.5922% | 2,658 |
| Noninterest expense to average assets | 2.4794% | 4,089 |
| Loan and lease loss provision to assets | 0.0560% | 3,023 |
| Net operating income to assets | 0.7939% | 3,334 |
| Return on assets (ROA) | 0.7939% | 3,478 |
| Pretax return on assets | 1.0372% | 3,451 |
| Return on Equity (ROE) | 4.3457% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.0315% | 3,986 |
| Net charge-offs to loans | 0.0731% | 2,138 |
| Credit loss provision to net charge-offs | 140.0000% | 1,684 |
| Earnings coverage of net charge-offs (x) | 27.3200% | 1,461 |
| Efficiency ratio | 69.3996% | 3,073 |
| Assets per employee ($millions) | 4.7078% | 2,699 |
| Cash dividends to net income (ytd only)* | 30.2419% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 5,239 |
| Loan loss allowance to noncurrent loans | 127.0642% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 3,344 |
| Noncurrent loans to loans | 0.6408% | 3,156 |
| Net loans and leases to total assets | 53.0882% | 4,579 |
| Net loans and leases to deposits | 66.0071% | 4,344 |
| Net loans and leases to core deposits | 69.7817% | 4,339 |
| Total domestic deposits to total assets | 80.4281% | 4,438 |
| Equity capital to assets | 18.2384% | 319 |
| Core capital (leverage) ratio | 16.3485% | 423 |
| Tier 1 risk-based capital ratio | 30.0673% | 493 |
| Total risk-based capital ratio | 30.8935% | 506 |
| Memoranda: | ||
| Average total assets | $124,947,330 | 3,961 |
| Average earning assets | $108,813,670 | 4,086 |
| Average equity | $22,827,000 | 2,935 |
| Average total loans | $68,360,330 | 4,134 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,538 |
| Cost of funding earning assets | 0.1658% | 5,501 |
| Net interest margin | 3.4642% | 3,606 |
| Noninterest income to average assets | 0.5910% | 2,589 |
| Noninterest expense to average assets | 2.5415% | 3,938 |
| Loan and lease loss provision to assets | 0.0323% | 3,229 |
| Net operating income to assets | 0.8041% | 3,224 |
| Return on assets (ROA) | 0.8041% | 3,338 |
| Pretax return on assets | 1.0528% | 3,269 |
| Return on Equity (ROE) | 4.3975% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.3975% | 3,281 |
| Net charge-offs to loans | 0.0233% | 2,467 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 611 |
| Efficiency ratio | 70.0801% | 3,111 |
| Assets per employee ($millions) | 4.8120% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 5,350 |
| Loan loss allowance to noncurrent loans | 429.6875% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 4,279 |
| Noncurrent loans to loans | 0.1870% | 4,739 |
| Net loans and leases to total assets | 54.2782% | 4,427 |
| Net loans and leases to deposits | 67.3176% | 4,123 |
| Net loans and leases to core deposits | 70.9444% | 4,163 |
| Total domestic deposits to total assets | 80.6300% | 4,596 |
| Equity capital to assets | 18.2830% | 304 |
| Core capital (leverage) ratio | 16.6858% | 400 |
| Tier 1 risk-based capital ratio | 30.0805% | 507 |
| Total risk-based capital ratio | 30.9051% | 513 |
| Memoranda: | ||
| Average total assets | $123,865,500 | 4,009 |
| Average earning assets | $108,538,500 | 4,115 |
| Average equity | $22,649,000 | 2,960 |
| Average total loans | $68,523,000 | 4,146 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 4,546 |
| Cost of funding earning assets | 0.1822% | 5,428 |
| Net interest margin | 3.4611% | 3,672 |
| Noninterest income to average assets | 0.5749% | 2,860 |
| Noninterest expense to average assets | 2.5244% | 4,150 |
| Loan and lease loss provision to assets | 0.0209% | 3,972 |
| Net operating income to assets | 0.8118% | 3,292 |
| Return on assets (ROA) | 0.8398% | 3,229 |
| Pretax return on assets | 1.0988% | 3,069 |
| Return on Equity (ROE) | 4.5153% | 4,738 |
| Retained earnings to average equity (ytd only) | 2.0892% | 4,534 |
| Net charge-offs to loans | 0.0975% | 2,444 |
| Credit loss provision to net charge-offs | 38.4615% | 3,549 |
| Earnings coverage of net charge-offs (x) | 19.9385% | 1,912 |
| Efficiency ratio | 69.9792% | 3,230 |
| Assets per employee ($millions) | 4.7162% | 2,713 |
| Cash dividends to net income (ytd only)* | 53.7313% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 5,428 |
| Loan loss allowance to noncurrent loans | 128.9100% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 3,384 |
| Noncurrent loans to loans | 0.6153% | 3,338 |
| Net loans and leases to total assets | 55.4918% | 4,337 |
| Net loans and leases to deposits | 69.1237% | 4,016 |
| Net loans and leases to core deposits | 72.7106% | 4,070 |
| Total domestic deposits to total assets | 80.2789% | 4,671 |
| Equity capital to assets | 18.2874% | 294 |
| Core capital (leverage) ratio | 16.7804% | 394 |
| Tier 1 risk-based capital ratio | 29.9438% | 506 |
| Total risk-based capital ratio | 30.7659% | 520 |
| Memoranda: | ||
| Average total assets | $119,673,400 | 4,072 |
| Average earning assets | $104,850,400 | 4,167 |
| Average equity | $22,257,800 | 2,944 |
| Average total loans | $66,669,200 | 4,179 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,558 |
| Cost of funding earning assets | 0.1859% | 5,493 |
| Net interest margin | 3.4695% | 3,671 |
| Noninterest income to average assets | 0.5751% | 2,878 |
| Noninterest expense to average assets | 2.5167% | 4,139 |
| Loan and lease loss provision to assets | 0.0392% | 3,426 |
| Net operating income to assets | 0.8094% | 3,387 |
| Return on assets (ROA) | 0.8094% | 3,485 |
| Pretax return on assets | 1.0526% | 3,399 |
| Return on Equity (ROE) | 4.3330% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.2528% | 4,142 |
| Net charge-offs to loans | 0.1309% | 1,828 |
| Credit loss provision to net charge-offs | 53.8462% | 2,993 |
| Earnings coverage of net charge-offs (x) | 14.9853% | 2,213 |
| Efficiency ratio | 69.7422% | 3,247 |
| Assets per employee ($millions) | 4.5897% | 2,849 |
| Cash dividends to net income (ytd only)* | 24.9304% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 5,434 |
| Loan loss allowance to noncurrent loans | 209.8485% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 3,984 |
| Noncurrent loans to loans | 0.3966% | 4,195 |
| Net loans and leases to total assets | 55.3171% | 4,423 |
| Net loans and leases to deposits | 69.2971% | 4,062 |
| Net loans and leases to core deposits | 73.2211% | 4,084 |
| Total domestic deposits to total assets | 79.8260% | 4,786 |
| Equity capital to assets | 18.9388% | 280 |
| Core capital (leverage) ratio | 16.9594% | 387 |
| Tier 1 risk-based capital ratio | 31.0222% | 468 |
| Total risk-based capital ratio | 31.8862% | 484 |
| Memoranda: | ||
| Average total assets | $118,936,750 | 4,132 |
| Average earning assets | $103,989,250 | 4,239 |
| Average equity | $22,216,250 | 2,965 |
| Average total loans | $66,189,500 | 4,235 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,566 |
| Cost of funding earning assets | 0.1936% | 5,504 |
| Net interest margin | 3.4589% | 3,663 |
| Noninterest income to average assets | 0.5606% | 2,973 |
| Noninterest expense to average assets | 2.5100% | 4,211 |
| Loan and lease loss provision to assets | 0.0438% | 3,233 |
| Net operating income to assets | 0.7845% | 3,467 |
| Return on assets (ROA) | 0.7845% | 3,572 |
| Pretax return on assets | 1.0151% | 3,523 |
| Return on Equity (ROE) | 4.2194% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.5896% | 4,410 |
| Net charge-offs to loans | 0.1968% | 1,273 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 9.6769% | 2,431 |
| Efficiency ratio | 70.3302% | 3,278 |
| Assets per employee ($millions) | 4.8594% | 2,458 |
| Cash dividends to net income (ytd only)* | 38.6266% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 5,537 |
| Loan loss allowance to noncurrent loans | 185.3741% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 4,059 |
| Noncurrent loans to loans | 0.4453% | 4,141 |
| Net loans and leases to total assets | 53.8935% | 4,570 |
| Net loans and leases to deposits | 66.9113% | 4,235 |
| Net loans and leases to core deposits | 70.5920% | 4,270 |
| Total domestic deposits to total assets | 80.5448% | 4,734 |
| Equity capital to assets | 18.2213% | 317 |
| Core capital (leverage) ratio | 16.6617% | 392 |
| Tier 1 risk-based capital ratio | 30.5953% | 512 |
| Total risk-based capital ratio | 31.4445% | 526 |
| Memoranda: | ||
| Average total assets | $118,805,000 | 4,177 |
| Average earning assets | $103,326,330 | 4,290 |
| Average equity | $22,088,330 | 2,986 |
| Average total loans | $66,064,330 | 4,271 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 4,354 |
| Cost of funding earning assets | 0.2002% | 5,508 |
| Net interest margin | 3.5015% | 3,433 |
| Noninterest income to average assets | 0.4801% | 3,423 |
| Noninterest expense to average assets | 2.5403% | 4,138 |
| Loan and lease loss provision to assets | 0.0341% | 3,212 |
| Net operating income to assets | 0.7389% | 3,603 |
| Return on assets (ROA) | 0.7389% | 3,728 |
| Pretax return on assets | 0.9433% | 3,725 |
| Return on Equity (ROE) | 3.9339% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.9339% | 3,638 |
| Net charge-offs to loans | 0.3934% | 621 |
| Credit loss provision to net charge-offs | 15.3846% | 2,394 |
| Earnings coverage of net charge-offs (x) | 4.4154% | 2,499 |
| Efficiency ratio | 72.2168% | 3,133 |
| Assets per employee ($millions) | 4.7562% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 5,707 |
| Loan loss allowance to noncurrent loans | 6,612.5000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 4,456 |
| Noncurrent loans to loans | 0.0120% | 5,756 |
| Net loans and leases to total assets | 55.5607% | 4,253 |
| Net loans and leases to deposits | 69.2919% | 3,828 |
| Net loans and leases to core deposits | 73.0065% | 3,870 |
| Total domestic deposits to total assets | 80.1835% | 5,016 |
| Equity capital to assets | 18.7341% | 278 |
| Core capital (leverage) ratio | 16.9956% | 357 |
| Tier 1 risk-based capital ratio | 30.5140% | 515 |
| Total risk-based capital ratio | 31.3389% | 531 |
| Memoranda: | ||
| Average total assets | $117,465,500 | 4,226 |
| Average earning assets | $101,900,000 | 4,346 |
| Average equity | $22,064,500 | 3,012 |
| Average total loans | $66,088,000 | 4,299 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 4,816 |
| Cost of funding earning assets | 0.2260% | 5,552 |
| Net interest margin | 3.4633% | 3,931 |
| Noninterest income to average assets | 0.5459% | 3,194 |
| Noninterest expense to average assets | 2.5035% | 4,535 |
| Loan and lease loss provision to assets | 0.0214% | 4,186 |
| Net operating income to assets | 0.8107% | 3,319 |
| Return on assets (ROA) | 0.8582% | 3,168 |
| Pretax return on assets | 1.1114% | 3,041 |
| Return on Equity (ROE) | 4.6770% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.7185% | 4,309 |
| Net charge-offs to loans | 0.0016% | 4,947 |
| Credit loss provision to net charge-offs | 2,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 1,252.0000% | 34 |
| Efficiency ratio | 70.0335% | 3,523 |
| Assets per employee ($millions) | 4.4625% | 3,092 |
| Cash dividends to net income (ytd only)* | 41.8744% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 5,504 |
| Loan loss allowance to noncurrent loans | 222.9008% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 4,263 |
| Noncurrent loans to loans | 0.3995% | 4,444 |
| Net loans and leases to total assets | 56.0207% | 4,330 |
| Net loans and leases to deposits | 70.2074% | 3,884 |
| Net loans and leases to core deposits | 74.0878% | 3,911 |
| Total domestic deposits to total assets | 79.7931% | 5,070 |
| Equity capital to assets | 18.8347% | 271 |
| Core capital (leverage) ratio | 17.0891% | 357 |
| Tier 1 risk-based capital ratio | 31.7672% | 440 |
| Total risk-based capital ratio | 32.7259% | 446 |
| Memoranda: | ||
| Average total assets | $116,878,000 | 4,244 |
| Average earning assets | $102,215,200 | 4,349 |
| Average equity | $21,445,600 | 3,009 |
| Average total loans | $63,434,200 | 4,382 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,969 |
| Cost of funding earning assets | 0.2288% | 5,599 |
| Net interest margin | 3.4327% | 4,097 |
| Noninterest income to average assets | 0.5477% | 3,216 |
| Noninterest expense to average assets | 2.4869% | 4,570 |
| Loan and lease loss provision to assets | 0.0342% | 3,719 |
| Net operating income to assets | 0.8063% | 3,406 |
| Return on assets (ROA) | 0.8187% | 3,443 |
| Pretax return on assets | 1.0487% | 3,384 |
| Return on Equity (ROE) | 4.4914% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.3670% | 4,220 |
| Net charge-offs to loans | 0.0233% | 4,048 |
| Credit loss provision to net charge-offs | 272.7273% | 983 |
| Earnings coverage of net charge-offs (x) | 85.1602% | 664 |
| Efficiency ratio | 69.9776% | 3,510 |
| Assets per employee ($millions) | 4.3798% | 3,162 |
| Cash dividends to net income (ytd only)* | 25.0344% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 5,643 |
| Loan loss allowance to noncurrent loans | 117.2065% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 3,811 |
| Noncurrent loans to loans | 0.7561% | 3,711 |
| Net loans and leases to total assets | 56.8685% | 4,218 |
| Net loans and leases to deposits | 71.3920% | 3,750 |
| Net loans and leases to core deposits | 75.4231% | 3,813 |
| Total domestic deposits to total assets | 79.6566% | 5,182 |
| Equity capital to assets | 19.1420% | 264 |
| Core capital (leverage) ratio | 17.0966% | 363 |
| Tier 1 risk-based capital ratio | 31.5215% | 458 |
| Total risk-based capital ratio | 32.4669% | 464 |
| Memoranda: | ||
| Average total assets | $117,091,250 | 4,280 |
| Average earning assets | $102,541,250 | 4,375 |
| Average equity | $21,343,750 | 3,022 |
| Average total loans | $62,897,250 | 4,431 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 5,016 |
| Cost of funding earning assets | 0.2366% | 5,616 |
| Net interest margin | 3.4122% | 4,125 |
| Noninterest income to average assets | 0.4908% | 3,544 |
| Noninterest expense to average assets | 2.4695% | 4,670 |
| Loan and lease loss provision to assets | 0.0169% | 3,921 |
| Net operating income to assets | 0.7542% | 3,547 |
| Return on assets (ROA) | 0.7837% | 3,509 |
| Pretax return on assets | 0.9952% | 3,495 |
| Return on Equity (ROE) | 4.3695% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.6708% | 4,507 |
| Net charge-offs to loans | 0.0193% | 3,830 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 570 |
| Efficiency ratio | 71.6953% | 3,395 |
| Assets per employee ($millions) | 4.3194% | 3,233 |
| Cash dividends to net income (ytd only)* | 38.8769% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 5,704 |
| Loan loss allowance to noncurrent loans | 119.2389% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 4,055 |
| Noncurrent loans to loans | 0.7608% | 3,801 |
| Net loans and leases to total assets | 52.8241% | 4,659 |
| Net loans and leases to deposits | 65.8532% | 4,280 |
| Net loans and leases to core deposits | 69.4516% | 4,321 |
| Total domestic deposits to total assets | 80.2149% | 5,192 |
| Equity capital to assets | 18.4895% | 296 |
| Core capital (leverage) ratio | 16.2154% | 445 |
| Tier 1 risk-based capital ratio | 32.1031% | 441 |
| Total risk-based capital ratio | 33.0536% | 444 |
| Memoranda: | ||
| Average total assets | $118,163,330 | 4,285 |
| Average earning assets | $102,279,330 | 4,407 |
| Average equity | $21,192,330 | 3,034 |
| Average total loans | $62,083,670 | 4,481 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 5,057 |
| Cost of funding earning assets | 0.2441% | 5,646 |
| Net interest margin | 3.3893% | 4,172 |
| Noninterest income to average assets | 0.4507% | 3,788 |
| Noninterest expense to average assets | 2.4921% | 4,649 |
| Loan and lease loss provision to assets | 0.0336% | 3,377 |
| Net operating income to assets | 0.6626% | 3,881 |
| Return on assets (ROA) | 0.6626% | 3,973 |
| Pretax return on assets | 0.8206% | 4,024 |
| Return on Equity (ROE) | 3.7511% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.7511% | 3,876 |
| Net charge-offs to loans | 0.0387% | 2,840 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 847 |
| Efficiency ratio | 74.4724% | 3,055 |
| Assets per employee ($millions) | 4.4643% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,854 |
| Loan loss allowance to noncurrent loans | 80.2276% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 3,712 |
| Noncurrent loans to loans | 1.1285% | 3,167 |
| Net loans and leases to total assets | 51.2146% | 4,764 |
| Net loans and leases to deposits | 62.8584% | 4,452 |
| Net loans and leases to core deposits | 66.1204% | 4,478 |
| Total domestic deposits to total assets | 81.4761% | 5,102 |
| Equity capital to assets | 17.6006% | 343 |
| Core capital (leverage) ratio | 16.2837% | 448 |
| Tier 1 risk-based capital ratio | 31.0403% | 484 |
| Total risk-based capital ratio | 31.9634% | 490 |
| Memoranda: | ||
| Average total assets | $118,933,500 | 4,299 |
| Average earning assets | $101,615,000 | 4,465 |
| Average equity | $21,007,000 | 3,050 |
| Average total loans | $62,041,000 | 4,524 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,912 |
| Cost of funding earning assets | 0.2669% | 5,856 |
| Net interest margin | 3.5026% | 3,899 |
| Noninterest income to average assets | 0.5524% | 3,385 |
| Noninterest expense to average assets | 2.4885% | 4,806 |
| Loan and lease loss provision to assets | 0.0539% | 4,065 |
| Net operating income to assets | 0.8273% | 3,144 |
| Return on assets (ROA) | 0.8560% | 3,078 |
| Pretax return on assets | 1.0997% | 2,948 |
| Return on Equity (ROE) | 4.7535% | 4,745 |
| Retained earnings to average equity (ytd only) | 2.3601% | 4,563 |
| Net charge-offs to loans | 0.1646% | 3,166 |
| Credit loss provision to net charge-offs | 61.1650% | 3,522 |
| Earnings coverage of net charge-offs (x) | 12.6796% | 2,102 |
| Efficiency ratio | 69.0228% | 4,011 |
| Assets per employee ($millions) | 4.3456% | 3,183 |
| Cash dividends to net income (ytd only)* | 50.3497% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 5,903 |
| Loan loss allowance to noncurrent loans | 91.9540% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 3,998 |
| Noncurrent loans to loans | 0.9857% | 3,551 |
| Net loans and leases to total assets | 52.1823% | 4,823 |
| Net loans and leases to deposits | 64.4118% | 4,467 |
| Net loans and leases to core deposits | 67.8705% | 4,530 |
| Total domestic deposits to total assets | 81.0135% | 5,172 |
| Equity capital to assets | 17.7268% | 336 |
| Core capital (leverage) ratio | 16.3868% | 427 |
| Tier 1 risk-based capital ratio | 31.3913% | 451 |
| Total risk-based capital ratio | 32.3280% | 455 |
| Memoranda: | ||
| Average total assets | $116,937,200 | 4,340 |
| Average earning assets | $101,925,400 | 4,462 |
| Average equity | $21,058,200 | 3,032 |
| Average total loans | $62,594,200 | 4,528 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,897 |
| Cost of funding earning assets | 0.2685% | 5,971 |
| Net interest margin | 3.5193% | 3,795 |
| Noninterest income to average assets | 0.5523% | 3,438 |
| Noninterest expense to average assets | 2.4854% | 4,772 |
| Loan and lease loss provision to assets | 0.0856% | 3,348 |
| Net operating income to assets | 0.8303% | 3,190 |
| Return on assets (ROA) | 0.8490% | 3,216 |
| Pretax return on assets | 1.0864% | 3,168 |
| Return on Equity (ROE) | 4.6962% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.1813% | 4,409 |
| Net charge-offs to loans | 0.2187% | 2,514 |
| Credit loss provision to net charge-offs | 72.8155% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.7670% | 2,437 |
| Efficiency ratio | 68.4045% | 4,012 |
| Assets per employee ($millions) | 4.3056% | 3,219 |
| Cash dividends to net income (ytd only)* | 32.2577% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 6,041 |
| Loan loss allowance to noncurrent loans | 148.9583% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 4,640 |
| Noncurrent loans to loans | 0.6088% | 4,677 |
| Net loans and leases to total assets | 53.7647% | 4,649 |
| Net loans and leases to deposits | 66.4632% | 4,246 |
| Net loans and leases to core deposits | 70.0711% | 4,316 |
| Total domestic deposits to total assets | 80.8939% | 5,242 |
| Equity capital to assets | 18.0472% | 318 |
| Core capital (leverage) ratio | 16.3149% | 452 |
| Tier 1 risk-based capital ratio | 31.1354% | 469 |
| Total risk-based capital ratio | 32.0840% | 477 |
| Memoranda: | ||
| Average total assets | $116,838,750 | 4,384 |
| Average earning assets | $102,291,000 | 4,494 |
| Average equity | $21,123,000 | 3,061 |
| Average total loans | $62,796,250 | 4,561 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 4,809 |
| Cost of funding earning assets | 0.2721% | 6,036 |
| Net interest margin | 3.5338% | 3,640 |
| Noninterest income to average assets | 0.5486% | 3,511 |
| Noninterest expense to average assets | 2.4933% | 4,760 |
| Loan and lease loss provision to assets | 0.1025% | 3,083 |
| Net operating income to assets | 0.8141% | 3,221 |
| Return on assets (ROA) | 0.8425% | 3,236 |
| Pretax return on assets | 1.0732% | 3,201 |
| Return on Equity (ROE) | 4.6574% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.3901% | 4,778 |
| Net charge-offs to loans | 0.2807% | 2,079 |
| Credit loss provision to net charge-offs | 68.1818% | 2,865 |
| Earnings coverage of net charge-offs (x) | 7.5795% | 2,529 |
| Efficiency ratio | 68.6265% | 4,074 |
| Assets per employee ($millions) | 4.1011% | 3,579 |
| Cash dividends to net income (ytd only)* | 48.6815% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 6,093 |
| Loan loss allowance to noncurrent loans | 109.5785% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 4,484 |
| Noncurrent loans to loans | 0.8337% | 4,247 |
| Net loans and leases to total assets | 54.0302% | 4,584 |
| Net loans and leases to deposits | 66.9191% | 4,159 |
| Net loans and leases to core deposits | 70.6056% | 4,206 |
| Total domestic deposits to total assets | 80.7397% | 5,413 |
| Equity capital to assets | 18.0124% | 327 |
| Core capital (leverage) ratio | 16.1513% | 448 |
| Tier 1 risk-based capital ratio | 30.9874% | 476 |
| Total risk-based capital ratio | 31.9443% | 487 |
| Memoranda: | ||
| Average total assets | $117,034,670 | 4,415 |
| Average earning assets | $102,156,000 | 4,518 |
| Average equity | $21,170,670 | 3,079 |
| Average total loans | $62,703,670 | 4,580 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 4,970 |
| Cost of funding earning assets | 0.2779% | 6,118 |
| Net interest margin | 3.4795% | 3,788 |
| Noninterest income to average assets | 0.5180% | 3,646 |
| Noninterest expense to average assets | 2.5361% | 4,625 |
| Loan and lease loss provision to assets | 0.0508% | 3,769 |
| Net operating income to assets | 0.7483% | 3,445 |
| Return on assets (ROA) | 0.7483% | 3,581 |
| Pretax return on assets | 0.9413% | 3,610 |
| Return on Equity (ROE) | 4.1281% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.1281% | 3,747 |
| Net charge-offs to loans | 0.5610% | 1,085 |
| Credit loss provision to net charge-offs | 17.0455% | 3,084 |
| Earnings coverage of net charge-offs (x) | 3.3295% | 2,785 |
| Efficiency ratio | 71.8810% | 3,635 |
| Assets per employee ($millions) | 4.2324% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 6,373 |
| Loan loss allowance to noncurrent loans | 120.0456% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 4,882 |
| Noncurrent loans to loans | 0.7052% | 4,719 |
| Net loans and leases to total assets | 52.0830% | 4,696 |
| Net loans and leases to deposits | 64.5993% | 4,244 |
| Net loans and leases to core deposits | 68.0192% | 4,300 |
| Total domestic deposits to total assets | 80.6248% | 5,591 |
| Equity capital to assets | 18.1230% | 322 |
| Core capital (leverage) ratio | 16.0500% | 447 |
| Tier 1 risk-based capital ratio | 30.4956% | 512 |
| Total risk-based capital ratio | 31.3647% | 518 |
| Memoranda: | ||
| Average total assets | $118,136,000 | 4,438 |
| Average earning assets | $102,199,500 | 4,564 |
| Average equity | $21,414,000 | 3,092 |
| Average total loans | $62,747,500 | 4,611 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 5,542 |
| Cost of funding earning assets | 0.3264% | 6,328 |
| Net interest margin | 3.5852% | 4,154 |
| Noninterest income to average assets | 0.5698% | 3,448 |
| Noninterest expense to average assets | 2.6773% | 4,483 |
| Loan and lease loss provision to assets | 0.0339% | 5,464 |
| Net operating income to assets | 0.7619% | 3,456 |
| Return on assets (ROA) | 0.8603% | 3,244 |
| Pretax return on assets | 1.1007% | 3,154 |
| Return on Equity (ROE) | 4.7155% | 4,830 |
| Retained earnings to average equity (ytd only) | 0.1485% | 5,766 |
| Net charge-offs to loans | 0.0895% | 4,779 |
| Credit loss provision to net charge-offs | 72.7273% | 4,078 |
| Earnings coverage of net charge-offs (x) | 21.6545% | 1,292 |
| Efficiency ratio | 72.6396% | 3,296 |
| Assets per employee ($millions) | 4.0609% | 3,834 |
| Cash dividends to net income (ytd only)* | 96.8504% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 6,131 |
| Loan loss allowance to noncurrent loans | 126.5823% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 4,879 |
| Noncurrent loans to loans | 0.7495% | 4,678 |
| Net loans and leases to total assets | 53.1958% | 4,732 |
| Net loans and leases to deposits | 66.2794% | 4,239 |
| Net loans and leases to core deposits | 69.5796% | 4,368 |
| Total domestic deposits to total assets | 80.2598% | 5,598 |
| Equity capital to assets | 18.1302% | 316 |
| Core capital (leverage) ratio | 15.8341% | 471 |
| Tier 1 risk-based capital ratio | 30.6472% | 487 |
| Total risk-based capital ratio | 31.6536% | 494 |
| Memoranda: | ||
| Average total assets | $118,104,200 | 4,398 |
| Average earning assets | $102,644,400 | 4,526 |
| Average equity | $21,545,800 | 3,033 |
| Average total loans | $61,466,200 | 4,657 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 5,759 |
| Cost of funding earning assets | 0.3331% | 6,449 |
| Net interest margin | 3.5789% | 4,325 |
| Noninterest income to average assets | 0.6047% | 3,243 |
| Noninterest expense to average assets | 2.6804% | 4,452 |
| Loan and lease loss provision to assets | 0.0338% | 5,350 |
| Net operating income to assets | 0.7878% | 3,512 |
| Return on assets (ROA) | 0.8574% | 3,431 |
| Pretax return on assets | 1.0943% | 3,370 |
| Return on Equity (ROE) | 4.6924% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.2106% | 4,609 |
| Net charge-offs to loans | 0.0699% | 4,712 |
| Credit loss provision to net charge-offs | 93.7500% | 3,184 |
| Earnings coverage of net charge-offs (x) | 28.7783% | 1,134 |
| Efficiency ratio | 72.0655% | 3,316 |
| Assets per employee ($millions) | 3.8870% | 4,116 |
| Cash dividends to net income (ytd only)* | 31.5787% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 6,177 |
| Loan loss allowance to noncurrent loans | 134.4298% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 4,809 |
| Noncurrent loans to loans | 0.7250% | 4,979 |
| Net loans and leases to total assets | 53.4105% | 4,837 |
| Net loans and leases to deposits | 66.9886% | 4,339 |
| Net loans and leases to core deposits | 70.4141% | 4,446 |
| Total domestic deposits to total assets | 79.7307% | 5,724 |
| Equity capital to assets | 18.8226% | 310 |
| Core capital (leverage) ratio | 16.4049% | 436 |
| Tier 1 risk-based capital ratio | 30.9609% | 483 |
| Total risk-based capital ratio | 31.9727% | 484 |
| Memoranda: | ||
| Average total assets | $118,189,000 | 4,442 |
| Average earning assets | $102,860,750 | 4,578 |
| Average equity | $21,594,500 | 3,046 |
| Average total loans | $61,021,250 | 4,724 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 5,820 |
| Cost of funding earning assets | 0.3406% | 6,554 |
| Net interest margin | 3.5976% | 4,273 |
| Noninterest income to average assets | 0.6301% | 3,075 |
| Noninterest expense to average assets | 2.7326% | 4,277 |
| Loan and lease loss provision to assets | 0.0421% | 5,144 |
| Net operating income to assets | 0.7528% | 3,590 |
| Return on assets (ROA) | 0.8154% | 3,583 |
| Pretax return on assets | 1.0310% | 3,594 |
| Return on Equity (ROE) | 4.5073% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.2723% | 5,058 |
| Net charge-offs to loans | 0.1159% | 4,011 |
| Credit loss provision to net charge-offs | 71.4286% | 3,522 |
| Earnings coverage of net charge-offs (x) | 16.8571% | 1,562 |
| Efficiency ratio | 73.3273% | 3,187 |
| Assets per employee ($millions) | 3.8995% | 4,072 |
| Cash dividends to net income (ytd only)* | 49.5868% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,147 |
| Loan loss allowance to noncurrent loans | 77.0701% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 4,314 |
| Noncurrent loans to loans | 1.3013% | 3,973 |
| Net loans and leases to total assets | 51.0472% | 5,215 |
| Net loans and leases to deposits | 63.7920% | 4,789 |
| Net loans and leases to core deposits | 67.5998% | 4,838 |
| Total domestic deposits to total assets | 80.0212% | 5,735 |
| Equity capital to assets | 18.4632% | 310 |
| Core capital (leverage) ratio | 15.8687% | 477 |
| Tier 1 risk-based capital ratio | 30.6888% | 491 |
| Total risk-based capital ratio | 31.6933% | 495 |
| Memoranda: | ||
| Average total assets | $118,715,330 | 4,448 |
| Average earning assets | $102,179,670 | 4,620 |
| Average equity | $21,476,330 | 3,046 |
| Average total loans | $60,396,670 | 4,776 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 5,547 |
| Cost of funding earning assets | 0.3522% | 6,626 |
| Net interest margin | 3.7200% | 3,735 |
| Noninterest income to average assets | 0.6891% | 2,716 |
| Noninterest expense to average assets | 2.7697% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8262% | 3,271 |
| Return on assets (ROA) | 0.8496% | 3,401 |
| Pretax return on assets | 1.0938% | 3,348 |
| Return on Equity (ROE) | 4.7443% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.7443% | 3,714 |
| Net charge-offs to loans | 0.1787% | 3,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 11.7778% | 1,647 |
| Efficiency ratio | 72.2513% | 3,390 |
| Assets per employee ($millions) | 4.0460% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 6,370 |
| Loan loss allowance to noncurrent loans | 184.9057% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,642 |
| Noncurrent loans to loans | 0.5227% | 5,622 |
| Net loans and leases to total assets | 49.6354% | 5,360 |
| Net loans and leases to deposits | 61.1897% | 5,021 |
| Net loans and leases to core deposits | 64.8253% | 5,032 |
| Total domestic deposits to total assets | 81.1173% | 5,569 |
| Equity capital to assets | 17.7178% | 359 |
| Core capital (leverage) ratio | 15.4440% | 538 |
| Tier 1 risk-based capital ratio | 31.3887% | 466 |
| Total risk-based capital ratio | 32.3867% | 472 |
| Memoranda: | ||
| Average total assets | $119,581,000 | 4,458 |
| Average earning assets | $101,075,500 | 4,673 |
| Average equity | $21,415,000 | 3,057 |
| Average total loans | $60,434,000 | 4,797 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 5,248 |
| Cost of funding earning assets | 0.4623% | 6,693 |
| Net interest margin | 3.9883% | 2,944 |
| Noninterest income to average assets | 0.6209% | 3,057 |
| Noninterest expense to average assets | 2.8052% | 4,330 |
| Loan and lease loss provision to assets | 0.0256% | 6,254 |
| Net operating income to assets | 0.8866% | 2,659 |
| Return on assets (ROA) | 0.9450% | 2,554 |
| Pretax return on assets | 1.2290% | 2,356 |
| Return on Equity (ROE) | 5.3239% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.9022% | 4,177 |
| Net charge-offs to loans | 0.0588% | 5,720 |
| Credit loss provision to net charge-offs | 85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | 39.4857% | 683 |
| Efficiency ratio | 70.4132% | 3,862 |
| Assets per employee ($millions) | 3.9260% | 4,022 |
| Cash dividends to net income (ytd only)* | 45.4874% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 6,096 |
| Loan loss allowance to noncurrent loans | 173.2394% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 6,219 |
| Noncurrent loans to loans | 0.5914% | 5,530 |
| Net loans and leases to total assets | 50.4470% | 5,531 |
| Net loans and leases to deposits | 62.7523% | 5,149 |
| Net loans and leases to core deposits | 66.6379% | 5,196 |
| Total domestic deposits to total assets | 80.3907% | 5,627 |
| Equity capital to assets | 18.1048% | 341 |
| Core capital (leverage) ratio | 16.0053% | 461 |
| Tier 1 risk-based capital ratio | 31.5755% | 446 |
| Total risk-based capital ratio | 32.6402% | 446 |
| Memoranda: | ||
| Average total assets | $117,245,200 | 4,475 |
| Average earning assets | $98,863,400 | 4,665 |
| Average equity | $20,812,000 | 3,029 |
| Average total loans | $59,542,600 | 4,877 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 5,325 |
| Cost of funding earning assets | 0.4786% | 6,784 |
| Net interest margin | 3.9977% | 2,920 |
| Noninterest income to average assets | 0.6512% | 2,870 |
| Noninterest expense to average assets | 2.7756% | 4,440 |
| Loan and lease loss provision to assets | 0.0342% | 6,010 |
| Net operating income to assets | 0.9294% | 2,624 |
| Return on assets (ROA) | 0.9882% | 2,516 |
| Pretax return on assets | 1.2945% | 2,305 |
| Return on Equity (ROE) | 5.5951% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.0481% | 3,846 |
| Net charge-offs to loans | 0.0853% | 5,118 |
| Credit loss provision to net charge-offs | 78.9474% | 4,171 |
| Earnings coverage of net charge-offs (x) | 28.9185% | 954 |
| Efficiency ratio | 68.9285% | 4,135 |
| Assets per employee ($millions) | 4.1029% | 3,638 |
| Cash dividends to net income (ytd only)* | 27.6497% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,219 |
| Loan loss allowance to noncurrent loans | 230.0752% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 6,502 |
| Noncurrent loans to loans | 0.4390% | 5,963 |
| Net loans and leases to total assets | 50.4106% | 5,655 |
| Net loans and leases to deposits | 62.4265% | 5,354 |
| Net loans and leases to core deposits | 66.0485% | 5,413 |
| Total domestic deposits to total assets | 80.7519% | 5,514 |
| Equity capital to assets | 17.8689% | 405 |
| Core capital (leverage) ratio | 15.6612% | 552 |
| Tier 1 risk-based capital ratio | 31.1266% | 488 |
| Total risk-based capital ratio | 32.1698% | 486 |
| Memoranda: | ||
| Average total assets | $117,111,250 | 4,501 |
| Average earning assets | $98,887,750 | 4,694 |
| Average equity | $20,684,000 | 3,052 |
| Average total loans | $59,420,250 | 4,926 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 4,973 |
| Cost of funding earning assets | 0.4941% | 6,864 |
| Net interest margin | 4.1035% | 2,395 |
| Noninterest income to average assets | 0.5460% | 3,500 |
| Noninterest expense to average assets | 2.7746% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9237% | 2,542 |
| Return on assets (ROA) | 0.9237% | 2,648 |
| Pretax return on assets | 1.1933% | 2,511 |
| Return on Equity (ROE) | 5.2509% | 4,337 |
| Retained earnings to average equity (ytd only) | 2.9085% | 4,432 |
| Net charge-offs to loans | 0.0068% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 347.5000% | 95 |
| Efficiency ratio | 69.9264% | 4,138 |
| Assets per employee ($millions) | 4.0276% | 3,699 |
| Cash dividends to net income (ytd only)* | 44.6097% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 6,234 |
| Loan loss allowance to noncurrent loans | 173.1092% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 6,398 |
| Noncurrent loans to loans | 0.5927% | 5,739 |
| Net loans and leases to total assets | 49.3400% | 5,908 |
| Net loans and leases to deposits | 60.7998% | 5,637 |
| Net loans and leases to core deposits | 64.2490% | 5,702 |
| Total domestic deposits to total assets | 81.1516% | 5,476 |
| Equity capital to assets | 17.2519% | 460 |
| Core capital (leverage) ratio | 15.4434% | 593 |
| Tier 1 risk-based capital ratio | 30.8757% | 492 |
| Total risk-based capital ratio | 31.9398% | 493 |
| Memoranda: | ||
| Average total assets | $116,487,330 | 4,549 |
| Average earning assets | $97,137,330 | 4,781 |
| Average equity | $20,491,670 | 3,062 |
| Average total loans | $59,029,670 | 5,003 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 4,619 |
| Cost of funding earning assets | 0.5171% | 6,911 |
| Net interest margin | 4.1620% | 2,026 |
| Noninterest income to average assets | 0.5563% | 3,463 |
| Noninterest expense to average assets | 2.8552% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9062% | 2,533 |
| Return on assets (ROA) | 0.9062% | 2,596 |
| Pretax return on assets | 1.1652% | 2,497 |
| Return on Equity (ROE) | 5.0997% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.0997% | 3,120 |
| Net charge-offs to loans | 0.0274% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 83.2500% | 368 |
| Efficiency ratio | 71.0183% | 4,052 |
| Assets per employee ($millions) | 3.9862% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 6,219 |
| Loan loss allowance to noncurrent loans | 162.9630% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 6,381 |
| Noncurrent loans to loans | 0.6454% | 5,740 |
| Net loans and leases to total assets | 50.1306% | 5,832 |
| Net loans and leases to deposits | 61.7887% | 5,526 |
| Net loans and leases to core deposits | 65.4592% | 5,571 |
| Total domestic deposits to total assets | 81.1324% | 5,623 |
| Equity capital to assets | 17.7206% | 384 |
| Core capital (leverage) ratio | 15.8317% | 533 |
| Tier 1 risk-based capital ratio | 31.6086% | 456 |
| Total risk-based capital ratio | 32.6968% | 448 |
| Memoranda: | ||
| Average total assets | $114,317,500 | 4,637 |
| Average earning assets | $95,146,500 | 4,878 |
| Average equity | $20,315,000 | 3,069 |
| Average total loans | $58,427,500 | 5,071 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 4,726 |
| Cost of funding earning assets | 0.6235% | 7,074 |
| Net interest margin | 4.3401% | 1,681 |
| Noninterest income to average assets | 0.6526% | 3,136 |
| Noninterest expense to average assets | 2.8433% | 4,426 |
| Loan and lease loss provision to assets | 0.0982% | 6,163 |
| Net operating income to assets | 1.0432% | 1,900 |
| Return on assets (ROA) | 1.0588% | 1,936 |
| Pretax return on assets | 1.3917% | 1,683 |
| Return on Equity (ROE) | 5.8567% | 3,673 |
| Retained earnings to average equity (ytd only) | 2.1827% | 4,366 |
| Net charge-offs to loans | 0.1867% | 5,184 |
| Credit loss provision to net charge-offs | 96.4912% | 4,815 |
| Earnings coverage of net charge-offs (x) | 14.4386% | 1,341 |
| Efficiency ratio | 65.9284% | 4,979 |
| Assets per employee ($millions) | 3.8978% | 4,012 |
| Cash dividends to net income (ytd only)* | 62.7319% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 6,094 |
| Loan loss allowance to noncurrent loans | 188.4498% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,520 |
| Noncurrent loans to loans | 0.5644% | 5,921 |
| Net loans and leases to total assets | 51.0178% | 6,043 |
| Net loans and leases to deposits | 63.2401% | 5,716 |
| Net loans and leases to core deposits | 67.3015% | 5,742 |
| Total domestic deposits to total assets | 80.6732% | 5,630 |
| Equity capital to assets | 17.8219% | 391 |
| Core capital (leverage) ratio | 16.0405% | 507 |
| Tier 1 risk-based capital ratio | 31.7352% | 437 |
| Total risk-based capital ratio | 32.8510% | 433 |
| Memoranda: | ||
| Average total assets | $112,017,800 | 4,657 |
| Average earning assets | $94,467,400 | 4,879 |
| Average equity | $20,250,400 | 3,116 |
| Average total loans | $61,074,600 | 5,024 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 4,858 |
| Cost of funding earning assets | 0.6264% | 7,238 |
| Net interest margin | 4.3653% | 1,628 |
| Noninterest income to average assets | 0.6752% | 2,980 |
| Noninterest expense to average assets | 2.8381% | 4,321 |
| Loan and lease loss provision to assets | 0.1074% | 5,962 |
| Net operating income to assets | 1.0856% | 1,943 |
| Return on assets (ROA) | 1.0856% | 2,054 |
| Pretax return on assets | 1.4375% | 1,778 |
| Return on Equity (ROE) | 5.9837% | 3,820 |
| Retained earnings to average equity (ytd only) | 2.8275% | 4,446 |
| Net charge-offs to loans | 0.1684% | 4,961 |
| Credit loss provision to net charge-offs | 115.3846% | 3,615 |
| Earnings coverage of net charge-offs (x) | 16.6021% | 1,378 |
| Efficiency ratio | 64.7523% | 5,097 |
| Assets per employee ($millions) | 3.8362% | 4,177 |
| Cash dividends to net income (ytd only)* | 52.7471% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 6,153 |
| Loan loss allowance to noncurrent loans | 203.8462% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 6,676 |
| Noncurrent loans to loans | 0.5162% | 6,165 |
| Net loans and leases to total assets | 53.7622% | 5,883 |
| Net loans and leases to deposits | 67.4246% | 5,498 |
| Net loans and leases to core deposits | 71.8770% | 5,524 |
| Total domestic deposits to total assets | 79.7368% | 5,795 |
| Equity capital to assets | 18.5832% | 372 |
| Core capital (leverage) ratio | 16.0996% | 543 |
| Tier 1 risk-based capital ratio | 29.6400% | 532 |
| Total risk-based capital ratio | 30.7098% | 531 |
| Memoranda: | ||
| Average total assets | $111,763,500 | 4,721 |
| Average earning assets | $94,929,250 | 4,930 |
| Average equity | $20,276,750 | 3,150 |
| Average total loans | $61,771,250 | 5,072 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 4,843 |
| Cost of funding earning assets | 0.6385% | 7,323 |
| Net interest margin | 4.3825% | 1,499 |
| Noninterest income to average assets | 0.6825% | 2,805 |
| Noninterest expense to average assets | 2.8356% | 4,331 |
| Loan and lease loss provision to assets | 0.1072% | 5,843 |
| Net operating income to assets | 1.0846% | 1,908 |
| Return on assets (ROA) | 1.0846% | 1,977 |
| Pretax return on assets | 1.4437% | 1,714 |
| Return on Equity (ROE) | 6.0265% | 3,793 |
| Retained earnings to average equity (ytd only) | 1.2609% | 5,251 |
| Net charge-offs to loans | 0.1832% | 4,512 |
| Credit loss provision to net charge-offs | 105.2632% | 3,868 |
| Earnings coverage of net charge-offs (x) | 15.2281% | 1,466 |
| Efficiency ratio | 64.6436% | 5,220 |
| Assets per employee ($millions) | 3.8999% | 3,976 |
| Cash dividends to net income (ytd only)* | 79.0774% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 6,243 |
| Loan loss allowance to noncurrent loans | 243.9689% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 6,826 |
| Noncurrent loans to loans | 0.4250% | 6,391 |
| Net loans and leases to total assets | 52.9174% | 6,114 |
| Net loans and leases to deposits | 65.8350% | 5,825 |
| Net loans and leases to core deposits | 69.8596% | 5,886 |
| Total domestic deposits to total assets | 80.3788% | 5,603 |
| Equity capital to assets | 17.8873% | 427 |
| Core capital (leverage) ratio | 15.7524% | 601 |
| Tier 1 risk-based capital ratio | 29.4972% | 540 |
| Total risk-based capital ratio | 30.5651% | 536 |
| Memoranda: | ||
| Average total assets | $111,934,330 | 4,752 |
| Average earning assets | $94,602,670 | 4,972 |
| Average equity | $20,144,330 | 3,155 |
| Average total loans | $62,212,670 | 5,097 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 4,619 |
| Cost of funding earning assets | 0.6674% | 7,403 |
| Net interest margin | 4.4148% | 1,352 |
| Noninterest income to average assets | 0.6322% | 3,065 |
| Noninterest expense to average assets | 2.9025% | 4,049 |
| Loan and lease loss provision to assets | 0.1078% | 5,548 |
| Net operating income to assets | 1.0094% | 2,144 |
| Return on assets (ROA) | 1.0094% | 2,208 |
| Pretax return on assets | 1.3291% | 1,970 |
| Return on Equity (ROE) | 5.5916% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.5916% | 2,816 |
| Net charge-offs to loans | 0.2790% | 3,295 |
| Credit loss provision to net charge-offs | 68.1818% | 4,142 |
| Earnings coverage of net charge-offs (x) | 9.0909% | 1,896 |
| Efficiency ratio | 66.8874% | 4,939 |
| Assets per employee ($millions) | 3.8538% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 6,550 |
| Loan loss allowance to noncurrent loans | 10,166.6667% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 7,375 |
| Noncurrent loans to loans | 0.0097% | 7,395 |
| Net loans and leases to total assets | 55.0381% | 5,887 |
| Net loans and leases to deposits | 68.2891% | 5,558 |
| Net loans and leases to core deposits | 72.4969% | 5,656 |
| Total domestic deposits to total assets | 80.5957% | 5,588 |
| Equity capital to assets | 18.1068% | 412 |
| Core capital (leverage) ratio | 16.0566% | 572 |
| Tier 1 risk-based capital ratio | 29.2355% | 570 |
| Total risk-based capital ratio | 30.2562% | 569 |
| Memoranda: | ||
| Average total assets | $111,353,000 | 4,840 |
| Average earning assets | $93,503,000 | 5,065 |
| Average equity | $20,101,500 | 3,195 |
| Average total loans | $63,081,500 | 5,132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4134% | 4,631 |
| Cost of funding earning assets | 0.9536% | 7,299 |
| Net interest margin | 4.4598% | 1,269 |
| Noninterest income to average assets | 0.6285% | 3,435 |
| Noninterest expense to average assets | 2.9571% | 4,318 |
| Loan and lease loss provision to assets | 0.0999% | 6,627 |
| Net operating income to assets | 1.0319% | 1,736 |
| Return on assets (ROA) | 1.0326% | 1,776 |
| Pretax return on assets | 1.3568% | 1,541 |
| Return on Equity (ROE) | 5.7090% | 3,333 |
| Retained earnings to average equity (ytd only) | 0.5875% | 4,573 |
| Net charge-offs to loans | 0.1537% | 5,729 |
| Credit loss provision to net charge-offs | 110.0000% | 5,004 |
| Earnings coverage of net charge-offs (x) | 16.0300% | 1,274 |
| Efficiency ratio | 67.0097% | 5,183 |
| Assets per employee ($millions) | 3.8258% | 4,215 |
| Cash dividends to net income (ytd only)* | 89.7098% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 6,515 |
| Loan loss allowance to noncurrent loans | 630.3030% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 7,270 |
| Noncurrent loans to loans | 0.1546% | 7,042 |
| Net loans and leases to total assets | 57.1615% | 5,790 |
| Net loans and leases to deposits | 70.8893% | 5,485 |
| Net loans and leases to core deposits | 85.5441% | 5,565 |
| Total domestic deposits to total assets | 80.6349% | 5,455 |
| Equity capital to assets | 17.9969% | 443 |
| Core capital (leverage) ratio | 16.1424% | 598 |
| Tier 1 risk-based capital ratio | 28.2935% | 617 |
| Total risk-based capital ratio | 29.3205% | 618 |
| Memoranda: | ||
| Average total assets | $110,109,400 | 4,817 |
| Average earning assets | $93,435,000 | 5,023 |
| Average equity | $19,915,800 | 3,214 |
| Average total loans | $65,068,800 | 5,063 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 4,503 |
| Cost of funding earning assets | 1.0186% | 7,350 |
| Net interest margin | 4.4645% | 1,279 |
| Noninterest income to average assets | 0.7158% | 2,914 |
| Noninterest expense to average assets | 3.0330% | 3,915 |
| Loan and lease loss provision to assets | 0.1092% | 6,281 |
| Net operating income to assets | 1.0388% | 1,941 |
| Return on assets (ROA) | 1.0397% | 1,998 |
| Pretax return on assets | 1.3661% | 1,784 |
| Return on Equity (ROE) | 5.7410% | 3,631 |
| Retained earnings to average equity (ytd only) | 0.5158% | 4,995 |
| Net charge-offs to loans | 0.2021% | 4,784 |
| Credit loss provision to net charge-offs | 90.9091% | 5,453 |
| Earnings coverage of net charge-offs (x) | 12.2724% | 1,775 |
| Efficiency ratio | 67.2948% | 5,121 |
| Assets per employee ($millions) | 3.7549% | 4,296 |
| Cash dividends to net income (ytd only)* | 91.0147% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 6,563 |
| Loan loss allowance to noncurrent loans | 650.5376% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 6,994 |
| Noncurrent loans to loans | 0.1456% | 7,114 |
| Net loans and leases to total assets | 58.0928% | 5,874 |
| Net loans and leases to deposits | 72.3597% | 5,590 |
| Net loans and leases to core deposits | 88.6825% | 5,568 |
| Total domestic deposits to total assets | 80.2834% | 5,343 |
| Equity capital to assets | 18.4061% | 476 |
| Core capital (leverage) ratio | 16.2473% | 640 |
| Tier 1 risk-based capital ratio | 28.8623% | 628 |
| Total risk-based capital ratio | 29.8804% | 626 |
| Memoranda: | ||
| Average total assets | $109,900,000 | 4,853 |
| Average earning assets | $93,325,750 | 5,059 |
| Average equity | $19,903,000 | 3,251 |
| Average total loans | $65,325,250 | 5,094 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6508% | 3,809 |
| Cost of funding earning assets | 1.0787% | 7,415 |
| Net interest margin | 4.5721% | 1,013 |
| Noninterest income to average assets | 0.7112% | 2,921 |
| Noninterest expense to average assets | 3.1387% | 3,545 |
| Loan and lease loss provision to assets | 0.1089% | 6,066 |
| Net operating income to assets | 1.0164% | 2,051 |
| Return on assets (ROA) | 1.0178% | 2,136 |
| Pretax return on assets | 1.3335% | 1,920 |
| Return on Equity (ROE) | 5.6506% | 3,803 |
| Retained earnings to average equity (ytd only) | -2.2058% | 5,791 |
| Net charge-offs to loans | 0.1276% | 4,892 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 18.9048% | 1,390 |
| Efficiency ratio | 68.5420% | 5,058 |
| Assets per employee ($millions) | 3.7907% | 4,121 |
| Cash dividends to net income (ytd only)* | 139.0374% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 6,397 |
| Loan loss allowance to noncurrent loans | 169.8925% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 6,288 |
| Noncurrent loans to loans | 0.5757% | 6,109 |
| Net loans and leases to total assets | 58.2065% | 5,935 |
| Net loans and leases to deposits | 72.4474% | 5,678 |
| Net loans and leases to core deposits | 88.6934% | 5,663 |
| Total domestic deposits to total assets | 80.3431% | 5,338 |
| Equity capital to assets | 17.7912% | 573 |
| Core capital (leverage) ratio | 15.3619% | 847 |
| Tier 1 risk-based capital ratio | 27.8907% | 726 |
| Total risk-based capital ratio | 28.9364% | 717 |
| Memoranda: | ||
| Average total assets | $110,235,670 | 4,878 |
| Average earning assets | $93,260,330 | 5,088 |
| Average equity | $19,856,330 | 3,263 |
| Average total loans | $65,812,330 | 5,117 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 3,805 |
| Cost of funding earning assets | 1.1563% | 7,400 |
| Net interest margin | 4.5443% | 1,044 |
| Noninterest income to average assets | 0.6812% | 2,997 |
| Noninterest expense to average assets | 3.2177% | 2,904 |
| Loan and lease loss provision to assets | 0.1449% | 5,094 |
| Net operating income to assets | 0.9313% | 2,580 |
| Return on assets (ROA) | 0.9313% | 2,711 |
| Pretax return on assets | 1.1922% | 2,656 |
| Return on Equity (ROE) | 5.1386% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.1386% | 3,045 |
| Net charge-offs to loans | 0.0542% | 4,709 |
| Credit loss provision to net charge-offs | 444.4444% | 1,189 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 828 |
| Efficiency ratio | 70.6444% | 4,442 |
| Assets per employee ($millions) | 3.8366% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,290 |
| Loan loss allowance to noncurrent loans | 546.6102% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 6,841 |
| Noncurrent loans to loans | 0.1798% | 7,014 |
| Net loans and leases to total assets | 58.4145% | 5,876 |
| Net loans and leases to deposits | 72.1756% | 5,721 |
| Net loans and leases to core deposits | 88.5558% | 5,688 |
| Total domestic deposits to total assets | 80.9338% | 4,999 |
| Equity capital to assets | 18.0964% | 598 |
| Core capital (leverage) ratio | 16.0484% | 777 |
| Tier 1 risk-based capital ratio | 28.1341% | 744 |
| Total risk-based capital ratio | 29.1811% | 741 |
| Memoranda: | ||
| Average total assets | $110,388,000 | 4,892 |
| Average earning assets | $94,096,500 | 5,085 |
| Average equity | $20,005,500 | 3,259 |
| Average total loans | $66,409,000 | 5,122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8373% | 6,309 |
| Cost of funding earning assets | 1.6454% | 7,362 |
| Net interest margin | 4.1919% | 2,342 |
| Noninterest income to average assets | 0.8337% | 2,332 |
| Noninterest expense to average assets | 3.0153% | 4,034 |
| Loan and lease loss provision to assets | 0.1306% | 5,696 |
| Net operating income to assets | 1.0888% | 2,190 |
| Return on assets (ROA) | 1.0922% | 2,095 |
| Pretax return on assets | 1.4478% | 1,831 |
| Return on Equity (ROE) | 6.0969% | 3,905 |
| Retained earnings to average equity (ytd only) | 0.6279% | 4,864 |
| Net charge-offs to loans | 0.2141% | 4,069 |
| Credit loss provision to net charge-offs | 100.6993% | 5,266 |
| Earnings coverage of net charge-offs (x) | 12.1329% | 2,287 |
| Efficiency ratio | 65.6256% | 5,205 |
| Assets per employee ($millions) | 3.6505% | 4,283 |
| Cash dividends to net income (ytd only)* | 89.7010% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 6,598 |
| Loan loss allowance to noncurrent loans | 1,395.4545% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 6,911 |
| Noncurrent loans to loans | 0.0655% | 7,242 |
| Net loans and leases to total assets | 60.7829% | 5,798 |
| Net loans and leases to deposits | 75.4488% | 5,660 |
| Net loans and leases to core deposits | 93.4012% | 5,506 |
| Total domestic deposits to total assets | 80.5617% | 4,817 |
| Equity capital to assets | 18.1499% | 629 |
| Core capital (leverage) ratio | 15.9949% | 826 |
| Tier 1 risk-based capital ratio | 27.4178% | 801 |
| Total risk-based capital ratio | 28.4037% | 794 |
| Memoranda: | ||
| Average total assets | $110,236,600 | 4,772 |
| Average earning assets | $98,762,000 | 4,839 |
| Average equity | $19,747,600 | 3,268 |
| Average total loans | $66,780,600 | 4,989 |