Home > Century Bank of Kentucky, Inc. > Performance and Condition Ratios
Century Bank of Kentucky, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 2,605 |
| Cost of funding earning assets | 1.4361% | 2,121 |
| Net interest margin | 3.2986% | 2,639 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.3011% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2418% | 1,555 |
| Return on assets (ROA) | 1.2418% | 1,531 |
| Pretax return on assets | 1.2418% | 2,026 |
| Return on Equity (ROE) | 16.4200% | 1,033 |
| Retained earnings to average equity (ytd only) | 2.9417% | 3,297 |
| Net charge-offs to loans | 0.0124% | 2,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 147.4000% | 717 |
| Efficiency ratio | 64.9493% | 2,492 |
| Assets per employee ($millions) | 7.7183% | 1,576 |
| Cash dividends to net income (ytd only)* | 82.0896% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 2,831 |
| Loan loss allowance to noncurrent loans | 3,968.5714% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,616 |
| Noncurrent loans to loans | 0.0278% | 3,545 |
| Net loans and leases to total assets | 67.3300% | 2,114 |
| Net loans and leases to deposits | 72.9397% | 2,702 |
| Net loans and leases to core deposits | 73.6270% | 3,093 |
| Total domestic deposits to total assets | 92.3100% | 263 |
| Equity capital to assets | 7.5082% | 3,712 |
| Core capital (leverage) ratio | 9.5669% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $178,042,800 | 3,140 |
| Average earning assets | $170,949,600 | 3,085 |
| Average equity | $13,461,600 | 3,381 |
| Average total loans | $121,215,000 | 2,942 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 2,618 |
| Cost of funding earning assets | 1.2933% | 2,169 |
| Net interest margin | 3.3335% | 2,612 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2430% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3110% | 1,526 |
| Return on assets (ROA) | 1.3110% | 1,506 |
| Pretax return on assets | 1.3110% | 2,005 |
| Return on Equity (ROE) | 17.3100% | 1,030 |
| Retained earnings to average equity (ytd only) | 9.6577% | 1,505 |
| Net charge-offs to loans | 0.0078% | 2,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 247.5714% | 515 |
| Efficiency ratio | 63.1120% | 2,605 |
| Assets per employee ($millions) | 7.4780% | 1,643 |
| Cash dividends to net income (ytd only)* | 44.2008% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,653 |
| Loan loss allowance to noncurrent loans | 179.4344% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 1,343 |
| Noncurrent loans to loans | 0.6375% | 1,280 |
| Net loans and leases to total assets | 67.2200% | 2,135 |
| Net loans and leases to deposits | 72.6034% | 2,671 |
| Net loans and leases to core deposits | 73.3123% | 3,035 |
| Total domestic deposits to total assets | 92.5900% | 365 |
| Equity capital to assets | 7.2167% | 3,507 |
| Core capital (leverage) ratio | 10.2402% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $176,244,000 | 3,167 |
| Average earning assets | $169,587,250 | 3,105 |
| Average equity | $13,350,000 | 3,389 |
| Average total loans | $119,992,500 | 2,956 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 2,538 |
| Cost of funding earning assets | 1.1102% | 2,253 |
| Net interest margin | 3.4355% | 2,431 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.2047% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4592% | 1,192 |
| Return on assets (ROA) | 1.4592% | 1,178 |
| Pretax return on assets | 1.4592% | 1,680 |
| Return on Equity (ROE) | 18.9600% | 835 |
| Retained earnings to average equity (ytd only) | 14.5817% | 613 |
| Net charge-offs to loans | 0.0101% | 1,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 573 |
| Efficiency ratio | 60.1745% | 2,936 |
| Assets per employee ($millions) | 7.5572% | 1,571 |
| Cash dividends to net income (ytd only)* | 23.0829% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,649 |
| Loan loss allowance to noncurrent loans | 176.7383% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 1,177 |
| Noncurrent loans to loans | 0.6572% | 1,138 |
| Net loans and leases to total assets | 68.4400% | 1,920 |
| Net loans and leases to deposits | 74.5292% | 2,443 |
| Net loans and leases to core deposits | 75.1659% | 2,818 |
| Total domestic deposits to total assets | 91.8300% | 449 |
| Equity capital to assets | 7.9814% | 3,229 |
| Core capital (leverage) ratio | 10.3277% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $175,168,000 | 3,178 |
| Average earning assets | $169,523,667 | 3,109 |
| Average equity | $13,482,667 | 3,394 |
| Average total loans | $119,309,667 | 2,959 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 2,258 |
| Cost of funding earning assets | 0.9049% | 2,354 |
| Net interest margin | 3.6220% | 2,080 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.1360% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7015% | 819 |
| Return on assets (ROA) | 1.7015% | 814 |
| Pretax return on assets | 1.7015% | 1,269 |
| Return on Equity (ROE) | 22.5200% | 546 |
| Retained earnings to average equity (ytd only) | 15.8344% | 706 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6609% | 3,441 |
| Assets per employee ($millions) | 7.6881% | 1,515 |
| Cash dividends to net income (ytd only)* | 29.6791% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 2,628 |
| Loan loss allowance to noncurrent loans | 172.4816% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 1,101 |
| Noncurrent loans to loans | 0.6882% | 1,099 |
| Net loans and leases to total assets | 66.1000% | 2,048 |
| Net loans and leases to deposits | 71.7486% | 2,489 |
| Net loans and leases to core deposits | 72.2355% | 2,803 |
| Total domestic deposits to total assets | 92.1200% | 490 |
| Equity capital to assets | 7.7619% | 3,404 |
| Core capital (leverage) ratio | 10.0077% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $175,844,000 | 3,213 |
| Average earning assets | $170,184,500 | 3,143 |
| Average equity | $13,287,500 | 3,447 |
| Average total loans | $118,783,000 | 2,993 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 1,740 |
| Cost of funding earning assets | 0.3896% | 2,177 |
| Net interest margin | 3.6020% | 1,639 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.2961% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5594% | 763 |
| Return on assets (ROA) | 1.5594% | 725 |
| Pretax return on assets | 1.5594% | 1,269 |
| Return on Equity (ROE) | 18.0900% | 687 |
| Retained earnings to average equity (ytd only) | 2.2217% | 3,932 |
| Net charge-offs to loans | -0.0095% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.5532% | 3,116 |
| Assets per employee ($millions) | 7.2859% | 1,764 |
| Cash dividends to net income (ytd only)* | 87.7173% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,508 |
| Loan loss allowance to noncurrent loans | 167.5418% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 1,060 |
| Noncurrent loans to loans | 0.7025% | 1,067 |
| Net loans and leases to total assets | 67.4100% | 1,893 |
| Net loans and leases to deposits | 72.8920% | 2,339 |
| Net loans and leases to core deposits | 73.5066% | 2,607 |
| Total domestic deposits to total assets | 92.4800% | 528 |
| Equity capital to assets | 7.3487% | 3,464 |
| Core capital (leverage) ratio | 9.7796% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $166,020,800 | 3,295 |
| Average earning assets | $160,937,200 | 3,235 |
| Average equity | $14,313,400 | 3,430 |
| Average total loans | $115,864,000 | 2,963 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 1,479 |
| Cost of funding earning assets | 0.2853% | 2,328 |
| Net interest margin | 3.6170% | 1,356 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.2416% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6384% | 609 |
| Return on assets (ROA) | 1.6384% | 594 |
| Pretax return on assets | 1.6384% | 1,033 |
| Return on Equity (ROE) | 18.2800% | 610 |
| Retained earnings to average equity (ytd only) | 6.0855% | 2,723 |
| Net charge-offs to loans | -0.0139% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.7722% | 3,409 |
| Assets per employee ($millions) | 7.0161% | 1,930 |
| Cash dividends to net income (ytd only)* | 66.7163% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,487 |
| Loan loss allowance to noncurrent loans | 135.0624% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 858 |
| Noncurrent loans to loans | 0.8939% | 878 |
| Net loans and leases to total assets | 68.3300% | 1,637 |
| Net loans and leases to deposits | 74.7678% | 1,976 |
| Net loans and leases to core deposits | 75.4360% | 2,241 |
| Total domestic deposits to total assets | 91.3800% | 1,086 |
| Equity capital to assets | 7.2624% | 3,366 |
| Core capital (leverage) ratio | 10.3847% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $163,810,500 | 3,345 |
| Average earning assets | $158,912,250 | 3,278 |
| Average equity | $14,679,250 | 3,443 |
| Average total loans | $115,008,750 | 2,981 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 1,253 |
| Cost of funding earning assets | 0.2466% | 2,315 |
| Net interest margin | 3.5805% | 1,102 |
| Noninterest income to average assets | 0.3820% | 2,857 |
| Noninterest expense to average assets | 2.2639% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5898% | 559 |
| Return on assets (ROA) | 1.5898% | 548 |
| Pretax return on assets | 1.5898% | 963 |
| Return on Equity (ROE) | 16.6495% | 613 |
| Retained earnings to average equity (ytd only) | 15.9654% | 191 |
| Net charge-offs to loans | -0.0384% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7464% | 3,462 |
| Assets per employee ($millions) | 6.7153% | 2,162 |
| Cash dividends to net income (ytd only)* | 4.1085% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,508 |
| Loan loss allowance to noncurrent loans | 132.2129% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 822 |
| Noncurrent loans to loans | 0.9332% | 896 |
| Net loans and leases to total assets | 70.3308% | 1,270 |
| Net loans and leases to deposits | 77.5128% | 1,574 |
| Net loans and leases to core deposits | 78.2123% | 1,843 |
| Total domestic deposits to total assets | 90.7345% | 1,367 |
| Equity capital to assets | 9.0949% | 2,323 |
| Core capital (leverage) ratio | 10.9502% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,285,000 | 3,389 |
| Average earning assets | $157,352,333 | 3,333 |
| Average equity | $15,496,000 | 3,455 |
| Average total loans | $114,525,667 | 3,012 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 1,148 |
| Cost of funding earning assets | 0.2355% | 2,314 |
| Net interest margin | 3.5306% | 1,026 |
| Noninterest income to average assets | 0.3488% | 3,005 |
| Noninterest expense to average assets | 2.1714% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6015% | 506 |
| Return on assets (ROA) | 1.6015% | 506 |
| Pretax return on assets | 1.6015% | 824 |
| Return on Equity (ROE) | 16.3871% | 495 |
| Retained earnings to average equity (ytd only) | 15.8593% | 241 |
| Net charge-offs to loans | -0.0699% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5521% | 3,729 |
| Assets per employee ($millions) | 6.5700% | 2,324 |
| Cash dividends to net income (ytd only)* | 3.2209% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,643 |
| Loan loss allowance to noncurrent loans | 113.5852% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 736 |
| Noncurrent loans to loans | 1.0930% | 819 |
| Net loans and leases to total assets | 68.4353% | 1,173 |
| Net loans and leases to deposits | 75.5121% | 1,487 |
| Net loans and leases to core deposits | 76.5587% | 1,742 |
| Total domestic deposits to total assets | 90.6283% | 1,229 |
| Equity capital to assets | 9.2822% | 2,456 |
| Core capital (leverage) ratio | 10.6093% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,844,000 | 3,398 |
| Average earning assets | $157,932,500 | 3,348 |
| Average equity | $15,915,000 | 3,481 |
| Average total loans | $114,405,500 | 3,009 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 1,446 |
| Cost of funding earning assets | 0.2932% | 2,465 |
| Net interest margin | 3.6704% | 1,283 |
| Noninterest income to average assets | 0.3759% | 3,183 |
| Noninterest expense to average assets | 2.2706% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6659% | 684 |
| Return on assets (ROA) | 1.6729% | 704 |
| Pretax return on assets | 1.6729% | 1,208 |
| Return on Equity (ROE) | 15.7374% | 799 |
| Retained earnings to average equity (ytd only) | 6.4405% | 2,162 |
| Net charge-offs to loans | -0.0410% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6811% | 3,492 |
| Assets per employee ($millions) | 6.7266% | 2,133 |
| Cash dividends to net income (ytd only)* | 59.0753% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,827 |
| Loan loss allowance to noncurrent loans | 112.9765% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 801 |
| Noncurrent loans to loans | 1.0722% | 903 |
| Net loans and leases to total assets | 70.3676% | 999 |
| Net loans and leases to deposits | 81.4804% | 1,105 |
| Net loans and leases to core deposits | 82.6368% | 1,412 |
| Total domestic deposits to total assets | 86.3613% | 2,774 |
| Equity capital to assets | 10.2727% | 2,401 |
| Core capital (leverage) ratio | 10.2864% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,432,800 | 3,430 |
| Average earning assets | $151,753,600 | 3,363 |
| Average equity | $16,629,200 | 3,491 |
| Average total loans | $114,574,000 | 2,999 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 1,671 |
| Cost of funding earning assets | 0.3054% | 2,539 |
| Net interest margin | 3.6299% | 1,523 |
| Noninterest income to average assets | 0.3755% | 3,230 |
| Noninterest expense to average assets | 2.1918% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7063% | 816 |
| Return on assets (ROA) | 1.7158% | 839 |
| Pretax return on assets | 1.7158% | 1,371 |
| Return on Equity (ROE) | 16.0007% | 954 |
| Retained earnings to average equity (ytd only) | 11.5058% | 945 |
| Net charge-offs to loans | -0.0512% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2266% | 3,499 |
| Assets per employee ($millions) | 6.6939% | 2,102 |
| Cash dividends to net income (ytd only)* | 28.0921% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,156 |
| Loan loss allowance to noncurrent loans | 123.2270% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 1,062 |
| Noncurrent loans to loans | 0.9426% | 1,219 |
| Net loans and leases to total assets | 73.6253% | 721 |
| Net loans and leases to deposits | 85.3972% | 866 |
| Net loans and leases to core deposits | 86.7946% | 1,232 |
| Total domestic deposits to total assets | 86.2151% | 2,660 |
| Equity capital to assets | 10.6720% | 2,289 |
| Core capital (leverage) ratio | 10.8393% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,181,500 | 3,473 |
| Average earning assets | $150,597,000 | 3,407 |
| Average equity | $16,640,500 | 3,541 |
| Average total loans | $114,469,250 | 3,047 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 1,678 |
| Cost of funding earning assets | 0.3252% | 2,541 |
| Net interest margin | 3.6242% | 1,535 |
| Noninterest income to average assets | 0.3782% | 3,223 |
| Noninterest expense to average assets | 2.1544% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7410% | 815 |
| Return on assets (ROA) | 1.7554% | 830 |
| Pretax return on assets | 1.7554% | 1,342 |
| Return on Equity (ROE) | 16.3426% | 893 |
| Retained earnings to average equity (ytd only) | 15.8447% | 346 |
| Net charge-offs to loans | -0.0674% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3063% | 3,625 |
| Assets per employee ($millions) | 6.4784% | 2,181 |
| Cash dividends to net income (ytd only)* | 3.0461% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,045 |
| Loan loss allowance to noncurrent loans | 112.6221% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 1,029 |
| Noncurrent loans to loans | 1.0487% | 1,172 |
| Net loans and leases to total assets | 74.4215% | 715 |
| Net loans and leases to deposits | 87.1417% | 839 |
| Net loans and leases to core deposits | 88.9784% | 1,209 |
| Total domestic deposits to total assets | 85.4028% | 2,940 |
| Equity capital to assets | 10.9588% | 2,010 |
| Core capital (leverage) ratio | 10.6609% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,357,333 | 3,497 |
| Average earning assets | $148,833,000 | 3,433 |
| Average equity | $16,472,333 | 3,559 |
| Average total loans | $112,735,000 | 3,088 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 1,980 |
| Cost of funding earning assets | 0.3519% | 2,503 |
| Net interest margin | 3.4887% | 1,853 |
| Noninterest income to average assets | 0.3913% | 3,137 |
| Noninterest expense to average assets | 2.0881% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6888% | 962 |
| Return on assets (ROA) | 1.6888% | 1,013 |
| Pretax return on assets | 1.6888% | 1,519 |
| Return on Equity (ROE) | 15.8873% | 1,042 |
| Retained earnings to average equity (ytd only) | 15.3685% | 589 |
| Net charge-offs to loans | -0.0217% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2851% | 3,636 |
| Assets per employee ($millions) | 6.6023% | 2,093 |
| Cash dividends to net income (ytd only)* | 3.2659% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,850 |
| Loan loss allowance to noncurrent loans | 99.1930% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 1,028 |
| Noncurrent loans to loans | 1.2259% | 1,076 |
| Net loans and leases to total assets | 69.3164% | 1,378 |
| Net loans and leases to deposits | 81.3932% | 1,387 |
| Net loans and leases to core deposits | 83.3309% | 1,731 |
| Total domestic deposits to total assets | 85.1624% | 3,038 |
| Equity capital to assets | 10.3354% | 2,410 |
| Core capital (leverage) ratio | 10.8217% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,295,000 | 3,509 |
| Average earning assets | $147,789,500 | 3,444 |
| Average equity | $16,189,000 | 3,589 |
| Average total loans | $110,555,000 | 3,121 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 1,630 |
| Cost of funding earning assets | 0.6743% | 1,853 |
| Net interest margin | 3.7109% | 1,759 |
| Noninterest income to average assets | 0.3827% | 3,195 |
| Noninterest expense to average assets | 2.3757% | 3,188 |
| Loan and lease loss provision to assets | 0.0701% | 3,506 |
| Net operating income to assets | 1.5401% | 726 |
| Return on assets (ROA) | 1.5401% | 788 |
| Pretax return on assets | 1.5401% | 1,222 |
| Return on Equity (ROE) | 13.8757% | 845 |
| Retained earnings to average equity (ytd only) | 3.7074% | 2,975 |
| Net charge-offs to loans | -0.0083% | 4,219 |
| Credit loss provision to net charge-offs | -1,111.1111% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6025% | 3,506 |
| Assets per employee ($millions) | 6.6425% | 1,824 |
| Cash dividends to net income (ytd only)* | 73.2817% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,824 |
| Loan loss allowance to noncurrent loans | 101.7398% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 1,093 |
| Noncurrent loans to loans | 1.2027% | 1,166 |
| Net loans and leases to total assets | 74.2996% | 985 |
| Net loans and leases to deposits | 87.4697% | 1,138 |
| Net loans and leases to core deposits | 89.9650% | 1,527 |
| Total domestic deposits to total assets | 84.9433% | 2,787 |
| Equity capital to assets | 10.9495% | 2,297 |
| Core capital (leverage) ratio | 10.9284% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,652,200 | 3,484 |
| Average earning assets | $138,510,400 | 3,399 |
| Average equity | $15,833,400 | 3,576 |
| Average total loans | $108,905,400 | 3,106 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 1,698 |
| Cost of funding earning assets | 0.7316% | 1,848 |
| Net interest margin | 3.7182% | 1,882 |
| Noninterest income to average assets | 0.3677% | 3,258 |
| Noninterest expense to average assets | 2.3340% | 3,326 |
| Loan and lease loss provision to assets | 0.0656% | 3,517 |
| Net operating income to assets | 1.5808% | 763 |
| Return on assets (ROA) | 1.5808% | 835 |
| Pretax return on assets | 1.5808% | 1,239 |
| Return on Equity (ROE) | 14.1929% | 843 |
| Retained earnings to average equity (ytd only) | 8.1983% | 1,238 |
| Net charge-offs to loans | -0.0123% | 4,275 |
| Credit loss provision to net charge-offs | -700.0000% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6345% | 3,580 |
| Assets per employee ($millions) | 6.1937% | 2,090 |
| Cash dividends to net income (ytd only)* | 42.2368% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,809 |
| Loan loss allowance to noncurrent loans | 80.1095% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 888 |
| Noncurrent loans to loans | 1.4667% | 983 |
| Net loans and leases to total assets | 77.7577% | 863 |
| Net loans and leases to deposits | 92.7372% | 1,017 |
| Net loans and leases to core deposits | 95.8981% | 1,463 |
| Total domestic deposits to total assets | 83.8474% | 2,866 |
| Equity capital to assets | 11.5209% | 1,992 |
| Core capital (leverage) ratio | 11.1801% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,781,750 | 3,475 |
| Average earning assets | $137,769,500 | 3,394 |
| Average equity | $15,791,500 | 3,575 |
| Average total loans | $108,651,250 | 3,120 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 1,826 |
| Cost of funding earning assets | 0.7834% | 1,912 |
| Net interest margin | 3.7483% | 2,000 |
| Noninterest income to average assets | 0.3659% | 3,288 |
| Noninterest expense to average assets | 2.3863% | 3,294 |
| Loan and lease loss provision to assets | 0.0565% | 3,593 |
| Net operating income to assets | 1.5669% | 814 |
| Return on assets (ROA) | 1.5669% | 883 |
| Pretax return on assets | 1.5669% | 1,302 |
| Return on Equity (ROE) | 14.2319% | 848 |
| Retained earnings to average equity (ytd only) | 5.4027% | 2,306 |
| Net charge-offs to loans | -0.0112% | 4,230 |
| Credit loss provision to net charge-offs | -666.6667% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5137% | 3,482 |
| Assets per employee ($millions) | 6.5302% | 1,757 |
| Cash dividends to net income (ytd only)* | 62.0379% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,553 |
| Loan loss allowance to noncurrent loans | 78.0280% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 977 |
| Noncurrent loans to loans | 1.5297% | 987 |
| Net loans and leases to total assets | 73.8698% | 1,430 |
| Net loans and leases to deposits | 87.6624% | 1,594 |
| Net loans and leases to core deposits | 90.7959% | 2,004 |
| Total domestic deposits to total assets | 84.2662% | 2,655 |
| Equity capital to assets | 11.0591% | 2,289 |
| Core capital (leverage) ratio | 10.9025% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,557,667 | 3,462 |
| Average earning assets | $137,610,000 | 3,380 |
| Average equity | $15,584,667 | 3,595 |
| Average total loans | $107,506,333 | 3,132 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 1,812 |
| Cost of funding earning assets | 0.8643% | 2,035 |
| Net interest margin | 3.7999% | 1,973 |
| Noninterest income to average assets | 0.3872% | 3,189 |
| Noninterest expense to average assets | 2.3515% | 3,644 |
| Loan and lease loss provision to assets | 0.0285% | 3,433 |
| Net operating income to assets | 1.6996% | 516 |
| Return on assets (ROA) | 1.6996% | 567 |
| Pretax return on assets | 1.6996% | 858 |
| Return on Equity (ROE) | 15.4733% | 491 |
| Retained earnings to average equity (ytd only) | 14.4884% | 220 |
| Net charge-offs to loans | -0.0112% | 4,110 |
| Credit loss provision to net charge-offs | -333.3333% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6413% | 4,049 |
| Assets per employee ($millions) | 6.4810% | 1,355 |
| Cash dividends to net income (ytd only)* | 6.3652% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,905 |
| Loan loss allowance to noncurrent loans | 74.8352% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1705% | 1,074 |
| Noncurrent loans to loans | 1.5445% | 1,025 |
| Net loans and leases to total assets | 74.9143% | 1,471 |
| Net loans and leases to deposits | 88.7256% | 1,673 |
| Net loans and leases to core deposits | 96.5813% | 1,743 |
| Total domestic deposits to total assets | 84.4336% | 2,622 |
| Equity capital to assets | 11.1016% | 2,773 |
| Core capital (leverage) ratio | 11.1175% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,504,000 | 3,452 |
| Average earning assets | $136,531,000 | 3,360 |
| Average equity | $15,433,000 | 3,616 |
| Average total loans | $107,556,000 | 3,114 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 1,914 |
| Cost of funding earning assets | 1.0211% | 1,630 |
| Net interest margin | 3.8223% | 2,436 |
| Noninterest income to average assets | 0.3926% | 3,344 |
| Noninterest expense to average assets | 2.4487% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6620% | 721 |
| Return on assets (ROA) | 1.6620% | 768 |
| Pretax return on assets | 1.6620% | 1,297 |
| Return on Equity (ROE) | 15.9673% | 543 |
| Retained earnings to average equity (ytd only) | 7.1072% | 1,348 |
| Net charge-offs to loans | 0.0145% | 3,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 146.3125% | 505 |
| Efficiency ratio | 59.5682% | 3,760 |
| Assets per employee ($millions) | 6.2920% | 1,427 |
| Cash dividends to net income (ytd only)* | 55.4891% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 2,677 |
| Loan loss allowance to noncurrent loans | 78.7763% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 1,058 |
| Noncurrent loans to loans | 1.4657% | 994 |
| Net loans and leases to total assets | 76.4399% | 1,334 |
| Net loans and leases to deposits | 89.9441% | 1,596 |
| Net loans and leases to core deposits | 100.0416% | 1,558 |
| Total domestic deposits to total assets | 84.9861% | 2,499 |
| Equity capital to assets | 10.8629% | 3,123 |
| Core capital (leverage) ratio | 10.2709% | 3,219 |
| Tier 1 risk-based capital ratio | 16.3966% | 2,259 |
| Total risk-based capital ratio | 17.6483% | 2,197 |
| Memoranda: | ||
| Average total assets | $140,852,000 | 3,425 |
| Average earning assets | $137,010,400 | 3,327 |
| Average equity | $14,661,200 | 3,667 |
| Average total loans | $110,208,000 | 3,083 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 2,182 |
| Cost of funding earning assets | 1.0276% | 1,643 |
| Net interest margin | 3.7511% | 2,747 |
| Noninterest income to average assets | 0.3817% | 3,426 |
| Noninterest expense to average assets | 2.4280% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6042% | 922 |
| Return on assets (ROA) | 1.6042% | 961 |
| Pretax return on assets | 1.6042% | 1,624 |
| Return on Equity (ROE) | 15.5780% | 673 |
| Retained earnings to average equity (ytd only) | 12.0724% | 378 |
| Net charge-offs to loans | 0.0180% | 2,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 113.4640% | 680 |
| Efficiency ratio | 60.2151% | 3,603 |
| Assets per employee ($millions) | 6.4516% | 1,297 |
| Cash dividends to net income (ytd only)* | 22.5027% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,142 |
| Loan loss allowance to noncurrent loans | 77.4093% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 1,159 |
| Noncurrent loans to loans | 1.3918% | 1,099 |
| Net loans and leases to total assets | 80.0233% | 843 |
| Net loans and leases to deposits | 97.7747% | 843 |
| Net loans and leases to core deposits | 108.3220% | 1,033 |
| Total domestic deposits to total assets | 81.8445% | 3,512 |
| Equity capital to assets | 10.8169% | 3,279 |
| Core capital (leverage) ratio | 10.9144% | 2,723 |
| Tier 1 risk-based capital ratio | 14.6130% | 3,022 |
| Total risk-based capital ratio | 15.7934% | 2,982 |
| Memoranda: | ||
| Average total assets | $141,458,750 | 3,449 |
| Average earning assets | $137,661,250 | 3,348 |
| Average equity | $14,567,250 | 3,712 |
| Average total loans | $110,998,000 | 3,103 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,189 |
| Cost of funding earning assets | 1.0138% | 1,628 |
| Net interest margin | 3.7452% | 2,775 |
| Noninterest income to average assets | 0.3737% | 3,443 |
| Noninterest expense to average assets | 2.4685% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5499% | 1,014 |
| Return on assets (ROA) | 1.5499% | 1,055 |
| Pretax return on assets | 1.5499% | 1,700 |
| Return on Equity (ROE) | 15.3090% | 699 |
| Retained earnings to average equity (ytd only) | 14.0507% | 225 |
| Net charge-offs to loans | 0.0401% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 49.7727% | 1,099 |
| Efficiency ratio | 61.4301% | 3,517 |
| Assets per employee ($millions) | 5.8691% | 1,643 |
| Cash dividends to net income (ytd only)* | 8.2192% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 2,929 |
| Loan loss allowance to noncurrent loans | 79.6632% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 1,246 |
| Noncurrent loans to loans | 1.4132% | 1,095 |
| Net loans and leases to total assets | 76.6930% | 1,434 |
| Net loans and leases to deposits | 93.3473% | 1,331 |
| Net loans and leases to core deposits | 103.1865% | 1,454 |
| Total domestic deposits to total assets | 82.1588% | 3,467 |
| Equity capital to assets | 10.6582% | 3,374 |
| Core capital (leverage) ratio | 10.6127% | 2,969 |
| Tier 1 risk-based capital ratio | 15.1182% | 2,783 |
| Total risk-based capital ratio | 16.3578% | 2,712 |
| Memoranda: | ||
| Average total assets | $141,300,000 | 3,478 |
| Average earning assets | $137,508,330 | 3,366 |
| Average equity | $14,305,330 | 3,747 |
| Average total loans | $109,724,670 | 3,141 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 2,769 |
| Cost of funding earning assets | 0.9936% | 1,592 |
| Net interest margin | 3.5359% | 3,478 |
| Noninterest income to average assets | 0.3646% | 3,414 |
| Noninterest expense to average assets | 2.5325% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2719% | 1,806 |
| Return on assets (ROA) | 1.2719% | 1,854 |
| Pretax return on assets | 1.2719% | 2,563 |
| Return on Equity (ROE) | 12.9018% | 1,252 |
| Retained earnings to average equity (ytd only) | 11.5830% | 689 |
| Net charge-offs to loans | -0.0146% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5676% | 2,858 |
| Assets per employee ($millions) | 5.7243% | 1,774 |
| Cash dividends to net income (ytd only)* | 10.2222% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,934 |
| Loan loss allowance to noncurrent loans | 74.1440% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 936 |
| Noncurrent loans to loans | 1.5318% | 1,050 |
| Net loans and leases to total assets | 76.4003% | 1,413 |
| Net loans and leases to deposits | 91.4356% | 1,464 |
| Net loans and leases to core deposits | 101.8842% | 1,474 |
| Total domestic deposits to total assets | 83.5565% | 3,199 |
| Equity capital to assets | 9.9589% | 3,865 |
| Core capital (leverage) ratio | 10.1865% | 3,404 |
| Tier 1 risk-based capital ratio | 14.1973% | 3,244 |
| Total risk-based capital ratio | 15.4356% | 3,172 |
| Memoranda: | ||
| Average total assets | $141,520,500 | 3,512 |
| Average earning assets | $137,675,500 | 3,401 |
| Average equity | $13,951,500 | 3,810 |
| Average total loans | $109,957,500 | 3,172 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,615 |
| Cost of funding earning assets | 0.7519% | 1,778 |
| Net interest margin | 3.6953% | 3,048 |
| Noninterest income to average assets | 0.4164% | 3,336 |
| Noninterest expense to average assets | 2.4027% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6116% | 845 |
| Return on assets (ROA) | 1.6116% | 840 |
| Pretax return on assets | 1.6116% | 1,430 |
| Return on Equity (ROE) | 15.9332% | 646 |
| Retained earnings to average equity (ytd only) | 0.0284% | 4,980 |
| Net charge-offs to loans | -0.0271% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8531% | 3,883 |
| Assets per employee ($millions) | 5.5973% | 1,870 |
| Cash dividends to net income (ytd only)* | 99.8215% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 2,854 |
| Loan loss allowance to noncurrent loans | 66.2434% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.5300% | 763 |
| Noncurrent loans to loans | 1.7288% | 832 |
| Net loans and leases to total assets | 77.2312% | 1,403 |
| Net loans and leases to deposits | 91.0387% | 1,663 |
| Net loans and leases to core deposits | 103.4647% | 1,460 |
| Total domestic deposits to total assets | 84.8335% | 2,716 |
| Equity capital to assets | 9.7554% | 3,897 |
| Core capital (leverage) ratio | 9.9174% | 3,679 |
| Tier 1 risk-based capital ratio | 14.2352% | 3,188 |
| Total risk-based capital ratio | 15.4852% | 3,115 |
| Memoranda: | ||
| Average total assets | $139,053,600 | 3,520 |
| Average earning assets | $135,388,800 | 3,421 |
| Average equity | $14,065,000 | 3,740 |
| Average total loans | $107,145,600 | 3,187 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 2,620 |
| Cost of funding earning assets | 0.7039% | 1,823 |
| Net interest margin | 3.6982% | 3,030 |
| Noninterest income to average assets | 0.4091% | 3,428 |
| Noninterest expense to average assets | 2.3894% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6220% | 921 |
| Return on assets (ROA) | 1.6220% | 921 |
| Pretax return on assets | 1.6220% | 1,506 |
| Return on Equity (ROE) | 15.8940% | 711 |
| Retained earnings to average equity (ytd only) | 10.0973% | 890 |
| Net charge-offs to loans | -0.0650% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5643% | 3,873 |
| Assets per employee ($millions) | 5.5421% | 1,874 |
| Cash dividends to net income (ytd only)* | 36.4712% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,839 |
| Loan loss allowance to noncurrent loans | 52.2327% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.9429% | 555 |
| Noncurrent loans to loans | 2.2235% | 628 |
| Net loans and leases to total assets | 78.3144% | 1,292 |
| Net loans and leases to deposits | 94.4229% | 1,328 |
| Net loans and leases to core deposits | 108.4875% | 1,135 |
| Total domestic deposits to total assets | 82.9401% | 3,329 |
| Equity capital to assets | 10.4906% | 3,156 |
| Core capital (leverage) ratio | 11.2100% | 2,404 |
| Tier 1 risk-based capital ratio | 15.4432% | 2,675 |
| Total risk-based capital ratio | 16.6938% | 2,607 |
| Memoranda: | ||
| Average total assets | $138,833,750 | 3,558 |
| Average earning assets | $135,235,000 | 3,459 |
| Average equity | $14,168,500 | 3,755 |
| Average total loans | $106,601,000 | 3,218 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 2,460 |
| Cost of funding earning assets | 0.6871% | 1,703 |
| Net interest margin | 3.7015% | 2,920 |
| Noninterest income to average assets | 0.4045% | 3,449 |
| Noninterest expense to average assets | 2.3178% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6930% | 730 |
| Return on assets (ROA) | 1.6930% | 738 |
| Pretax return on assets | 1.6930% | 1,231 |
| Return on Equity (ROE) | 16.7446% | 555 |
| Retained earnings to average equity (ytd only) | 12.4588% | 451 |
| Net charge-offs to loans | -0.1061% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7889% | 4,270 |
| Assets per employee ($millions) | 5.7141% | 1,708 |
| Cash dividends to net income (ytd only)* | 25.5952% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,790 |
| Loan loss allowance to noncurrent loans | 105.4411% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 1,390 |
| Noncurrent loans to loans | 1.1281% | 1,559 |
| Net loans and leases to total assets | 77.4738% | 1,398 |
| Net loans and leases to deposits | 93.8030% | 1,378 |
| Net loans and leases to core deposits | 104.7378% | 1,335 |
| Total domestic deposits to total assets | 82.5920% | 3,528 |
| Equity capital to assets | 10.4865% | 3,133 |
| Core capital (leverage) ratio | 10.6784% | 2,836 |
| Tier 1 risk-based capital ratio | 15.0022% | 2,873 |
| Total risk-based capital ratio | 16.2524% | 2,794 |
| Memoranda: | ||
| Average total assets | $138,927,330 | 3,585 |
| Average earning assets | $135,351,000 | 3,481 |
| Average equity | $14,046,330 | 3,791 |
| Average total loans | $105,540,670 | 3,241 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 2,325 |
| Cost of funding earning assets | 0.6551% | 1,696 |
| Net interest margin | 3.7041% | 2,779 |
| Noninterest income to average assets | 0.3976% | 3,491 |
| Noninterest expense to average assets | 2.3344% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6707% | 727 |
| Return on assets (ROA) | 1.6707% | 731 |
| Pretax return on assets | 1.6707% | 1,189 |
| Return on Equity (ROE) | 16.8312% | 528 |
| Retained earnings to average equity (ytd only) | 15.0731% | 323 |
| Net charge-offs to loans | -0.1836% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2857% | 4,306 |
| Assets per employee ($millions) | 6.4026% | 1,254 |
| Cash dividends to net income (ytd only)* | 10.4452% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,679 |
| Loan loss allowance to noncurrent loans | 257.8093% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 2,760 |
| Noncurrent loans to loans | 0.4736% | 3,105 |
| Net loans and leases to total assets | 73.0012% | 2,023 |
| Net loans and leases to deposits | 86.8392% | 2,066 |
| Net loans and leases to core deposits | 99.0092% | 1,763 |
| Total domestic deposits to total assets | 84.0648% | 3,300 |
| Equity capital to assets | 9.9668% | 3,629 |
| Core capital (leverage) ratio | 10.4834% | 2,960 |
| Tier 1 risk-based capital ratio | 15.2749% | 2,753 |
| Total risk-based capital ratio | 16.5262% | 2,688 |
| Memoranda: | ||
| Average total assets | $139,822,000 | 3,609 |
| Average earning assets | $136,172,000 | 3,500 |
| Average equity | $13,879,000 | 3,842 |
| Average total loans | $104,548,500 | 3,279 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,854 |
| Cost of funding earning assets | 0.4977% | 2,353 |
| Net interest margin | 3.9596% | 1,883 |
| Noninterest income to average assets | 0.5004% | 2,997 |
| Noninterest expense to average assets | 2.5256% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8207% | 397 |
| Return on assets (ROA) | 1.8207% | 406 |
| Pretax return on assets | 1.8207% | 751 |
| Return on Equity (ROE) | 17.6015% | 337 |
| Retained earnings to average equity (ytd only) | 9.5933% | 408 |
| Net charge-offs to loans | -0.0818% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1083% | 4,513 |
| Assets per employee ($millions) | 6.3085% | 1,310 |
| Cash dividends to net income (ytd only)* | 45.4972% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,985 |
| Loan loss allowance to noncurrent loans | 238.8672% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 2,725 |
| Noncurrent loans to loans | 0.4876% | 3,059 |
| Net loans and leases to total assets | 74.7734% | 1,798 |
| Net loans and leases to deposits | 89.6289% | 1,818 |
| Net loans and leases to core deposits | 110.9169% | 958 |
| Total domestic deposits to total assets | 83.4256% | 3,416 |
| Equity capital to assets | 9.8850% | 3,836 |
| Core capital (leverage) ratio | 10.0664% | 3,366 |
| Tier 1 risk-based capital ratio | 14.3705% | 3,161 |
| Total risk-based capital ratio | 15.6204% | 3,067 |
| Memoranda: | ||
| Average total assets | $128,684,800 | 3,766 |
| Average earning assets | $124,987,000 | 3,668 |
| Average equity | $13,311,400 | 3,943 |
| Average total loans | $100,194,600 | 3,345 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 1,753 |
| Cost of funding earning assets | 0.4572% | 2,640 |
| Net interest margin | 4.0049% | 1,684 |
| Noninterest income to average assets | 0.4957% | 3,052 |
| Noninterest expense to average assets | 2.5702% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8135% | 457 |
| Return on assets (ROA) | 1.8135% | 467 |
| Pretax return on assets | 1.8135% | 860 |
| Return on Equity (ROE) | 17.3204% | 390 |
| Retained earnings to average equity (ytd only) | 14.0300% | 155 |
| Net charge-offs to loans | -0.1253% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6307% | 4,412 |
| Assets per employee ($millions) | 5.5723% | 1,857 |
| Cash dividends to net income (ytd only)* | 18.9979% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 3,160 |
| Loan loss allowance to noncurrent loans | 233.7121% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,775 |
| Noncurrent loans to loans | 0.4953% | 3,211 |
| Net loans and leases to total assets | 78.7812% | 1,151 |
| Net loans and leases to deposits | 94.4161% | 1,252 |
| Net loans and leases to core deposits | 118.6010% | 633 |
| Total domestic deposits to total assets | 83.4404% | 3,313 |
| Equity capital to assets | 10.4759% | 3,399 |
| Core capital (leverage) ratio | 10.6948% | 2,772 |
| Tier 1 risk-based capital ratio | 14.5399% | 3,160 |
| Total risk-based capital ratio | 15.7903% | 3,075 |
| Memoranda: | ||
| Average total assets | $126,159,500 | 3,845 |
| Average earning assets | $122,480,250 | 3,743 |
| Average equity | $13,209,500 | 3,997 |
| Average total loans | $98,993,750 | 3,397 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 1,897 |
| Cost of funding earning assets | 0.3953% | 3,123 |
| Net interest margin | 3.9798% | 1,673 |
| Noninterest income to average assets | 0.4853% | 3,114 |
| Noninterest expense to average assets | 2.6125% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7325% | 523 |
| Return on assets (ROA) | 1.7325% | 532 |
| Pretax return on assets | 1.7325% | 982 |
| Return on Equity (ROE) | 16.5499% | 451 |
| Retained earnings to average equity (ytd only) | 15.2673% | 129 |
| Net charge-offs to loans | -0.1866% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1266% | 4,299 |
| Assets per employee ($millions) | 5.4055% | 1,958 |
| Cash dividends to net income (ytd only)* | 7.7498% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 3,066 |
| Loan loss allowance to noncurrent loans | 144.7059% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 1,604 |
| Noncurrent loans to loans | 0.8239% | 2,341 |
| Net loans and leases to total assets | 78.5714% | 1,153 |
| Net loans and leases to deposits | 94.2716% | 1,235 |
| Net loans and leases to core deposits | 111.2781% | 937 |
| Total domestic deposits to total assets | 83.3458% | 3,452 |
| Equity capital to assets | 10.4877% | 3,365 |
| Core capital (leverage) ratio | 10.9375% | 2,471 |
| Tier 1 risk-based capital ratio | 14.4393% | 3,195 |
| Total risk-based capital ratio | 15.6901% | 3,125 |
| Memoranda: | ||
| Average total assets | $123,634,330 | 3,901 |
| Average earning assets | $119,906,000 | 3,811 |
| Average equity | $12,942,670 | 4,042 |
| Average total loans | $96,461,000 | 3,447 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 1,800 |
| Cost of funding earning assets | 0.3561% | 3,462 |
| Net interest margin | 3.9997% | 1,476 |
| Noninterest income to average assets | 0.4943% | 3,019 |
| Noninterest expense to average assets | 2.7300% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6387% | 627 |
| Return on assets (ROA) | 1.6387% | 643 |
| Pretax return on assets | 1.6387% | 1,151 |
| Return on Equity (ROE) | 15.6689% | 571 |
| Retained earnings to average equity (ytd only) | 13.9878% | 298 |
| Net charge-offs to loans | -0.3780% | 5,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4905% | 4,076 |
| Assets per employee ($millions) | 5.2934% | 2,083 |
| Cash dividends to net income (ytd only)* | 10.7287% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,764 |
| Loan loss allowance to noncurrent loans | 117.2875% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 1,282 |
| Noncurrent loans to loans | 1.0731% | 1,909 |
| Net loans and leases to total assets | 79.1267% | 962 |
| Net loans and leases to deposits | 95.7510% | 952 |
| Net loans and leases to core deposits | 103.2042% | 1,279 |
| Total domestic deposits to total assets | 82.6381% | 3,963 |
| Equity capital to assets | 10.6071% | 3,060 |
| Core capital (leverage) ratio | 11.0504% | 2,311 |
| Tier 1 risk-based capital ratio | 14.3846% | 3,270 |
| Total risk-based capital ratio | 15.6355% | 3,192 |
| Memoranda: | ||
| Average total assets | $120,585,000 | 3,987 |
| Average earning assets | $116,807,500 | 3,900 |
| Average equity | $12,611,000 | 4,121 |
| Average total loans | $93,110,000 | 3,535 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,147 |
| Cost of funding earning assets | 0.3668% | 3,347 |
| Net interest margin | 3.9306% | 1,857 |
| Noninterest income to average assets | 0.5806% | 2,757 |
| Noninterest expense to average assets | 2.8228% | 2,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5585% | 748 |
| Return on assets (ROA) | 1.5858% | 730 |
| Pretax return on assets | 1.5858% | 1,332 |
| Return on Equity (ROE) | 14.8139% | 651 |
| Retained earnings to average equity (ytd only) | 4.4521% | 2,742 |
| Net charge-offs to loans | 0.0820% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 26.4928% | 1,545 |
| Efficiency ratio | 64.4289% | 3,861 |
| Assets per employee ($millions) | 5.1922% | 2,186 |
| Cash dividends to net income (ytd only)* | 69.9462% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,619 |
| Loan loss allowance to noncurrent loans | 115.0353% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 1,346 |
| Noncurrent loans to loans | 1.1178% | 1,851 |
| Net loans and leases to total assets | 73.2836% | 1,962 |
| Net loans and leases to deposits | 89.8503% | 1,702 |
| Net loans and leases to core deposits | 93.4401% | 2,166 |
| Total domestic deposits to total assets | 81.5619% | 4,192 |
| Equity capital to assets | 10.3064% | 3,378 |
| Core capital (leverage) ratio | 10.5993% | 2,774 |
| Tier 1 risk-based capital ratio | 14.9404% | 2,991 |
| Total risk-based capital ratio | 16.1918% | 2,928 |
| Memoranda: | ||
| Average total assets | $117,294,400 | 4,040 |
| Average earning assets | $113,418,800 | 3,939 |
| Average equity | $12,555,800 | 4,161 |
| Average total loans | $84,126,000 | 3,705 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 2,325 |
| Cost of funding earning assets | 0.3685% | 3,346 |
| Net interest margin | 3.8847% | 2,031 |
| Noninterest income to average assets | 0.5881% | 2,721 |
| Noninterest expense to average assets | 2.9221% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4217% | 1,024 |
| Return on assets (ROA) | 1.4593% | 1,006 |
| Pretax return on assets | 1.4593% | 1,856 |
| Return on Equity (ROE) | 13.5045% | 920 |
| Retained earnings to average equity (ytd only) | 8.7810% | 885 |
| Net charge-offs to loans | -0.0177% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2713% | 3,368 |
| Assets per employee ($millions) | 4.9198% | 2,464 |
| Cash dividends to net income (ytd only)* | 34.9768% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 2,253 |
| Loan loss allowance to noncurrent loans | 110.4072% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4135% | 1,307 |
| Noncurrent loans to loans | 1.2569% | 1,778 |
| Net loans and leases to total assets | 73.4268% | 1,962 |
| Net loans and leases to deposits | 91.9668% | 1,504 |
| Net loans and leases to core deposits | 95.7375% | 2,020 |
| Total domestic deposits to total assets | 79.8406% | 4,549 |
| Equity capital to assets | 11.0905% | 2,922 |
| Core capital (leverage) ratio | 11.0118% | 2,438 |
| Tier 1 risk-based capital ratio | 15.2613% | 2,931 |
| Total risk-based capital ratio | 16.5141% | 2,860 |
| Memoranda: | ||
| Average total assets | $116,762,750 | 4,075 |
| Average earning assets | $112,884,500 | 3,975 |
| Average equity | $12,617,750 | 4,193 |
| Average total loans | $82,993,500 | 3,758 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,500 |
| Cost of funding earning assets | 0.3666% | 3,390 |
| Net interest margin | 3.8389% | 2,176 |
| Noninterest income to average assets | 0.5914% | 2,661 |
| Noninterest expense to average assets | 2.9486% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3514% | 1,163 |
| Return on assets (ROA) | 1.3686% | 1,193 |
| Pretax return on assets | 1.3686% | 2,138 |
| Return on Equity (ROE) | 12.7783% | 1,084 |
| Retained earnings to average equity (ytd only) | 9.3429% | 759 |
| Net charge-offs to loans | -0.0221% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5726% | 3,232 |
| Assets per employee ($millions) | 4.5149% | 2,993 |
| Cash dividends to net income (ytd only)* | 26.8844% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 2,156 |
| Loan loss allowance to noncurrent loans | 78.3419% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 952 |
| Noncurrent loans to loans | 1.8266% | 1,125 |
| Net loans and leases to total assets | 71.5286% | 2,243 |
| Net loans and leases to deposits | 87.9391% | 2,005 |
| Net loans and leases to core deposits | 90.9944% | 2,436 |
| Total domestic deposits to total assets | 81.3388% | 4,174 |
| Equity capital to assets | 10.9883% | 3,070 |
| Core capital (leverage) ratio | 10.8851% | 2,550 |
| Tier 1 risk-based capital ratio | 15.4916% | 2,864 |
| Total risk-based capital ratio | 16.7443% | 2,796 |
| Memoranda: | ||
| Average total assets | $116,325,670 | 4,119 |
| Average earning assets | $112,375,670 | 4,009 |
| Average equity | $12,458,670 | 4,241 |
| Average total loans | $81,352,000 | 3,813 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 2,749 |
| Cost of funding earning assets | 0.3646% | 3,455 |
| Net interest margin | 3.7602% | 2,435 |
| Noninterest income to average assets | 0.6218% | 2,406 |
| Noninterest expense to average assets | 2.9846% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2712% | 1,333 |
| Return on assets (ROA) | 1.3023% | 1,332 |
| Pretax return on assets | 1.3023% | 2,292 |
| Return on Equity (ROE) | 12.3218% | 1,211 |
| Retained earnings to average equity (ytd only) | 6.1445% | 2,307 |
| Net charge-offs to loans | -0.0201% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1299% | 3,098 |
| Assets per employee ($millions) | 4.4725% | 3,122 |
| Cash dividends to net income (ytd only)* | 50.1326% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,910 |
| Loan loss allowance to noncurrent loans | 69.6900% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.9831% | 880 |
| Noncurrent loans to loans | 2.1779% | 949 |
| Net loans and leases to total assets | 67.7387% | 2,684 |
| Net loans and leases to deposits | 83.8023% | 2,326 |
| Net loans and leases to core deposits | 86.7549% | 2,679 |
| Total domestic deposits to total assets | 80.8316% | 4,545 |
| Equity capital to assets | 10.6540% | 3,308 |
| Core capital (leverage) ratio | 10.6933% | 2,741 |
| Tier 1 risk-based capital ratio | 15.5078% | 2,911 |
| Total risk-based capital ratio | 16.7617% | 2,844 |
| Memoranda: | ||
| Average total assets | $115,794,500 | 4,155 |
| Average earning assets | $111,909,000 | 4,050 |
| Average equity | $12,238,500 | 4,291 |
| Average total loans | $79,435,500 | 3,871 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,054 |
| Cost of funding earning assets | 0.3633% | 3,547 |
| Net interest margin | 3.9883% | 1,756 |
| Noninterest income to average assets | 0.6011% | 2,707 |
| Noninterest expense to average assets | 2.9352% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5112% | 844 |
| Return on assets (ROA) | 1.5182% | 867 |
| Pretax return on assets | 1.5182% | 1,498 |
| Return on Equity (ROE) | 14.4084% | 782 |
| Retained earnings to average equity (ytd only) | 2.7063% | 4,139 |
| Net charge-offs to loans | 0.0368% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 57.2333% | 900 |
| Efficiency ratio | 66.0135% | 3,901 |
| Assets per employee ($millions) | 4.4348% | 3,147 |
| Cash dividends to net income (ytd only)* | 81.2174% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,855 |
| Loan loss allowance to noncurrent loans | 82.6384% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.8247% | 1,039 |
| Noncurrent loans to loans | 1.8546% | 1,160 |
| Net loans and leases to total assets | 67.3680% | 2,807 |
| Net loans and leases to deposits | 82.1911% | 2,567 |
| Net loans and leases to core deposits | 85.3033% | 2,847 |
| Total domestic deposits to total assets | 81.9651% | 4,177 |
| Equity capital to assets | 10.4836% | 3,380 |
| Core capital (leverage) ratio | 10.4232% | 3,032 |
| Tier 1 risk-based capital ratio | 15.8217% | 2,772 |
| Total risk-based capital ratio | 17.0752% | 2,705 |
| Memoranda: | ||
| Average total assets | $113,620,200 | 4,185 |
| Average earning assets | $109,545,600 | 4,073 |
| Average equity | $11,972,200 | 4,312 |
| Average total loans | $81,501,600 | 3,785 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 1,982 |
| Cost of funding earning assets | 0.3628% | 3,627 |
| Net interest margin | 4.0175% | 1,647 |
| Noninterest income to average assets | 0.5830% | 2,831 |
| Noninterest expense to average assets | 3.0047% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4523% | 1,006 |
| Return on assets (ROA) | 1.4617% | 1,030 |
| Pretax return on assets | 1.4617% | 1,799 |
| Return on Equity (ROE) | 13.8541% | 938 |
| Retained earnings to average equity (ytd only) | 4.6440% | 3,172 |
| Net charge-offs to loans | 0.0552% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 36.2665% | 1,328 |
| Efficiency ratio | 67.4154% | 3,648 |
| Assets per employee ($millions) | 4.5580% | 2,906 |
| Cash dividends to net income (ytd only)* | 66.4783% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 2,312 |
| Loan loss allowance to noncurrent loans | 92.4080% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.7727% | 1,214 |
| Noncurrent loans to loans | 1.5846% | 1,571 |
| Net loans and leases to total assets | 71.1590% | 2,202 |
| Net loans and leases to deposits | 88.3221% | 1,856 |
| Net loans and leases to core deposits | 91.8363% | 2,281 |
| Total domestic deposits to total assets | 80.5676% | 4,589 |
| Equity capital to assets | 10.7618% | 3,288 |
| Core capital (leverage) ratio | 10.7135% | 2,806 |
| Tier 1 risk-based capital ratio | 15.5065% | 3,045 |
| Total risk-based capital ratio | 16.7599% | 2,968 |
| Memoranda: | ||
| Average total assets | $113,199,250 | 4,240 |
| Average earning assets | $109,153,000 | 4,128 |
| Average equity | $11,943,250 | 4,366 |
| Average total loans | $82,155,250 | 3,800 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,058 |
| Cost of funding earning assets | 0.3583% | 3,723 |
| Net interest margin | 3.9794% | 1,703 |
| Noninterest income to average assets | 0.5737% | 2,883 |
| Noninterest expense to average assets | 2.9110% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4980% | 898 |
| Return on assets (ROA) | 1.4980% | 944 |
| Pretax return on assets | 1.4980% | 1,652 |
| Return on Equity (ROE) | 14.2946% | 845 |
| Retained earnings to average equity (ytd only) | 0.7266% | 5,265 |
| Net charge-offs to loans | 0.0926% | 2,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 22.2632% | 1,649 |
| Efficiency ratio | 66.0241% | 4,003 |
| Assets per employee ($millions) | 4.4231% | 3,106 |
| Cash dividends to net income (ytd only)* | 94.9173% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 2,536 |
| Loan loss allowance to noncurrent loans | 80.6040% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9183% | 1,175 |
| Noncurrent loans to loans | 1.7933% | 1,430 |
| Net loans and leases to total assets | 71.2035% | 2,127 |
| Net loans and leases to deposits | 87.8018% | 1,865 |
| Net loans and leases to core deposits | 91.4915% | 2,197 |
| Total domestic deposits to total assets | 81.0957% | 4,585 |
| Equity capital to assets | 10.2209% | 3,785 |
| Core capital (leverage) ratio | 10.4574% | 3,016 |
| Tier 1 risk-based capital ratio | 14.6208% | 3,567 |
| Total risk-based capital ratio | 15.8731% | 3,492 |
| Memoranda: | ||
| Average total assets | $112,949,330 | 4,277 |
| Average earning assets | $108,861,330 | 4,173 |
| Average equity | $11,836,670 | 4,409 |
| Average total loans | $82,110,330 | 3,821 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 1,858 |
| Cost of funding earning assets | 0.3601% | 3,752 |
| Net interest margin | 4.0133% | 1,510 |
| Noninterest income to average assets | 0.6004% | 2,651 |
| Noninterest expense to average assets | 2.9234% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5403% | 786 |
| Return on assets (ROA) | 1.5403% | 829 |
| Pretax return on assets | 1.5403% | 1,422 |
| Return on Equity (ROE) | 14.5142% | 786 |
| Retained earnings to average equity (ytd only) | 6.8362% | 2,086 |
| Net charge-offs to loans | -0.0490% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4924% | 4,242 |
| Assets per employee ($millions) | 4.2161% | 3,538 |
| Cash dividends to net income (ytd only)* | 52.9002% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 2,409 |
| Loan loss allowance to noncurrent loans | 77.0512% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 1,070 |
| Noncurrent loans to loans | 1.9591% | 1,351 |
| Net loans and leases to total assets | 71.5881% | 1,878 |
| Net loans and leases to deposits | 89.1140% | 1,490 |
| Net loans and leases to core deposits | 92.5090% | 1,907 |
| Total domestic deposits to total assets | 80.3331% | 4,984 |
| Equity capital to assets | 10.6065% | 3,417 |
| Core capital (leverage) ratio | 10.7646% | 2,670 |
| Tier 1 risk-based capital ratio | 14.2322% | 3,859 |
| Total risk-based capital ratio | 15.4846% | 3,786 |
| Memoranda: | ||
| Average total assets | $111,924,000 | 4,331 |
| Average earning assets | $107,743,000 | 4,219 |
| Average equity | $11,878,000 | 4,430 |
| Average total loans | $81,623,000 | 3,841 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 2,092 |
| Cost of funding earning assets | 0.3881% | 3,816 |
| Net interest margin | 4.0556% | 1,718 |
| Noninterest income to average assets | 0.7534% | 2,060 |
| Noninterest expense to average assets | 3.0054% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6367% | 658 |
| Return on assets (ROA) | 1.6395% | 680 |
| Pretax return on assets | 1.6395% | 1,123 |
| Return on Equity (ROE) | 16.3063% | 583 |
| Retained earnings to average equity (ytd only) | 8.9868% | 707 |
| Net charge-offs to loans | 0.3952% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.7323% | 3,367 |
| Efficiency ratio | 64.7421% | 4,449 |
| Assets per employee ($millions) | 4.0745% | 3,774 |
| Cash dividends to net income (ytd only)* | 44.8876% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 2,303 |
| Loan loss allowance to noncurrent loans | 74.4591% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.3616% | 993 |
| Noncurrent loans to loans | 2.0670% | 1,325 |
| Net loans and leases to total assets | 72.0512% | 1,904 |
| Net loans and leases to deposits | 87.4610% | 1,793 |
| Net loans and leases to core deposits | 90.8981% | 2,192 |
| Total domestic deposits to total assets | 82.3810% | 4,281 |
| Equity capital to assets | 10.6188% | 3,338 |
| Core capital (leverage) ratio | 10.8834% | 2,514 |
| Tier 1 risk-based capital ratio | 15.9757% | 2,971 |
| Total risk-based capital ratio | 17.2316% | 2,911 |
| Memoranda: | ||
| Average total assets | $108,569,800 | 4,406 |
| Average earning assets | $104,103,600 | 4,311 |
| Average equity | $10,916,000 | 4,582 |
| Average total loans | $78,443,600 | 3,921 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 2,225 |
| Cost of funding earning assets | 0.3945% | 3,848 |
| Net interest margin | 4.0045% | 1,867 |
| Noninterest income to average assets | 0.5988% | 2,880 |
| Noninterest expense to average assets | 3.1383% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2999% | 1,371 |
| Return on assets (ROA) | 1.2999% | 1,427 |
| Pretax return on assets | 1.2999% | 2,375 |
| Return on Equity (ROE) | 13.1160% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.0312% | 1,343 |
| Net charge-offs to loans | 0.2652% | 1,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.8065% | 3,026 |
| Efficiency ratio | 70.7107% | 3,385 |
| Assets per employee ($millions) | 3.7826% | 4,325 |
| Cash dividends to net income (ytd only)* | 38.7678% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,960 |
| Loan loss allowance to noncurrent loans | 66.1290% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.8722% | 843 |
| Noncurrent loans to loans | 2.5755% | 1,123 |
| Net loans and leases to total assets | 75.9623% | 1,227 |
| Net loans and leases to deposits | 90.1819% | 1,409 |
| Net loans and leases to core deposits | 93.3688% | 1,926 |
| Total domestic deposits to total assets | 84.2323% | 3,672 |
| Equity capital to assets | 10.6351% | 3,388 |
| Core capital (leverage) ratio | 10.7430% | 2,770 |
| Tier 1 risk-based capital ratio | 15.3192% | 3,415 |
| Total risk-based capital ratio | 16.5772% | 3,345 |
| Memoranda: | ||
| Average total assets | $108,209,250 | 4,457 |
| Average earning assets | $103,748,250 | 4,354 |
| Average equity | $10,724,500 | 4,642 |
| Average total loans | $77,928,500 | 3,965 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 2,207 |
| Cost of funding earning assets | 0.3981% | 3,889 |
| Net interest margin | 3.9921% | 1,828 |
| Noninterest income to average assets | 0.5744% | 2,962 |
| Noninterest expense to average assets | 3.0943% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3086% | 1,285 |
| Return on assets (ROA) | 1.3086% | 1,336 |
| Pretax return on assets | 1.3086% | 2,222 |
| Return on Equity (ROE) | 13.5234% | 1,050 |
| Retained earnings to average equity (ytd only) | 6.1453% | 2,235 |
| Net charge-offs to loans | 0.2323% | 1,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.0112% | 2,545 |
| Efficiency ratio | 70.2793% | 3,609 |
| Assets per employee ($millions) | 4.0276% | 3,782 |
| Cash dividends to net income (ytd only)* | 54.5582% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 1,631 |
| Loan loss allowance to noncurrent loans | 67.2501% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.9702% | 859 |
| Noncurrent loans to loans | 2.7929% | 1,078 |
| Net loans and leases to total assets | 70.1396% | 2,059 |
| Net loans and leases to deposits | 82.6236% | 2,178 |
| Net loans and leases to core deposits | 85.4381% | 2,566 |
| Total domestic deposits to total assets | 84.8905% | 3,567 |
| Equity capital to assets | 10.0629% | 4,018 |
| Core capital (leverage) ratio | 10.2112% | 3,321 |
| Tier 1 risk-based capital ratio | 15.6044% | 3,294 |
| Total risk-based capital ratio | 16.8638% | 3,236 |
| Memoranda: | ||
| Average total assets | $108,974,670 | 4,465 |
| Average earning assets | $104,506,670 | 4,355 |
| Average equity | $10,544,670 | 4,697 |
| Average total loans | $76,622,000 | 4,023 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 2,433 |
| Cost of funding earning assets | 0.4052% | 3,905 |
| Net interest margin | 3.9181% | 2,025 |
| Noninterest income to average assets | 0.5757% | 2,881 |
| Noninterest expense to average assets | 2.9444% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3897% | 1,006 |
| Return on assets (ROA) | 1.3897% | 1,049 |
| Pretax return on assets | 1.3897% | 1,788 |
| Return on Equity (ROE) | 14.6537% | 829 |
| Retained earnings to average equity (ytd only) | 0.3866% | 5,418 |
| Net charge-offs to loans | 0.2209% | 1,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.0238% | 1,971 |
| Efficiency ratio | 67.9357% | 4,195 |
| Assets per employee ($millions) | 4.0756% | 3,774 |
| Cash dividends to net income (ytd only)* | 97.3615% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 1,584 |
| Loan loss allowance to noncurrent loans | 74.2730% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.8689% | 1,018 |
| Noncurrent loans to loans | 2.6469% | 1,289 |
| Net loans and leases to total assets | 68.2927% | 2,178 |
| Net loans and leases to deposits | 79.7686% | 2,325 |
| Net loans and leases to core deposits | 82.4257% | 2,696 |
| Total domestic deposits to total assets | 85.6135% | 3,555 |
| Equity capital to assets | 9.4747% | 4,531 |
| Core capital (leverage) ratio | 10.0668% | 3,475 |
| Tier 1 risk-based capital ratio | 15.5286% | 3,418 |
| Total risk-based capital ratio | 16.7896% | 3,382 |
| Memoranda: | ||
| Average total assets | $109,089,000 | 4,505 |
| Average earning assets | $104,643,000 | 4,395 |
| Average equity | $10,345,500 | 4,756 |
| Average total loans | $76,066,000 | 4,066 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 1,225 |
| Cost of funding earning assets | 0.4726% | 3,886 |
| Net interest margin | 4.3685% | 962 |
| Noninterest income to average assets | 0.3248% | 5,012 |
| Noninterest expense to average assets | 3.3266% | 2,061 |
| Loan and lease loss provision to assets | 0.0994% | 3,146 |
| Net operating income to assets | 1.0388% | 2,165 |
| Return on assets (ROA) | 1.1022% | 1,989 |
| Pretax return on assets | 1.1022% | 2,941 |
| Return on Equity (ROE) | 11.5536% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.8910% | 1,095 |
| Net charge-offs to loans | 0.4104% | 1,637 |
| Credit loss provision to net charge-offs | 32.6087% | 4,193 |
| Earnings coverage of net charge-offs (x) | 3.7329% | 3,763 |
| Efficiency ratio | 74.5069% | 3,044 |
| Assets per employee ($millions) | 4.1591% | 3,520 |
| Cash dividends to net income (ytd only)* | 31.7010% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,439 |
| Loan loss allowance to noncurrent loans | 57.0586% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 3.4604% | 851 |
| Noncurrent loans to loans | 3.5946% | 855 |
| Net loans and leases to total assets | 68.3642% | 2,288 |
| Net loans and leases to deposits | 79.5479% | 2,512 |
| Net loans and leases to core deposits | 82.6989% | 2,812 |
| Total domestic deposits to total assets | 85.9410% | 3,288 |
| Equity capital to assets | 9.4926% | 4,436 |
| Core capital (leverage) ratio | 10.3782% | 3,052 |
| Tier 1 risk-based capital ratio | 15.6572% | 3,271 |
| Total risk-based capital ratio | 16.9199% | 3,223 |
| Memoranda: | ||
| Average total assets | $105,602,600 | 4,605 |
| Average earning assets | $100,081,000 | 4,518 |
| Average equity | $10,074,800 | 4,826 |
| Average total loans | $78,456,400 | 3,991 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 1,209 |
| Cost of funding earning assets | 0.4867% | 3,894 |
| Net interest margin | 4.3751% | 945 |
| Noninterest income to average assets | 0.2388% | 5,726 |
| Noninterest expense to average assets | 3.3419% | 1,972 |
| Loan and lease loss provision to assets | 0.1321% | 2,634 |
| Net operating income to assets | 0.8980% | 2,843 |
| Return on assets (ROA) | 0.9831% | 2,552 |
| Pretax return on assets | 0.9831% | 3,571 |
| Return on Equity (ROE) | 10.2917% | 2,066 |
| Retained earnings to average equity (ytd only) | 5.3985% | 2,802 |
| Net charge-offs to loans | 0.4427% | 1,450 |
| Credit loss provision to net charge-offs | 39.5437% | 3,713 |
| Earnings coverage of net charge-offs (x) | 3.0836% | 3,808 |
| Efficiency ratio | 76.4381% | 2,661 |
| Assets per employee ($millions) | 3.6298% | 4,603 |
| Cash dividends to net income (ytd only)* | 47.5450% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 1,669 |
| Loan loss allowance to noncurrent loans | 64.4088% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 4.2191% | 733 |
| Noncurrent loans to loans | 3.1409% | 1,257 |
| Net loans and leases to total assets | 76.5767% | 923 |
| Net loans and leases to deposits | 87.8598% | 1,378 |
| Net loans and leases to core deposits | 90.7002% | 1,903 |
| Total domestic deposits to total assets | 87.1578% | 2,595 |
| Equity capital to assets | 9.8786% | 4,080 |
| Core capital (leverage) ratio | 10.2229% | 3,367 |
| Tier 1 risk-based capital ratio | 14.2598% | 4,247 |
| Total risk-based capital ratio | 15.5221% | 4,177 |
| Memoranda: | ||
| Average total assets | $104,969,000 | 4,667 |
| Average earning assets | $99,164,000 | 4,582 |
| Average equity | $10,027,250 | 4,898 |
| Average total loans | $79,201,750 | 3,998 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 1,381 |
| Cost of funding earning assets | 0.4934% | 3,957 |
| Net interest margin | 4.2825% | 1,065 |
| Noninterest income to average assets | 0.1904% | 6,069 |
| Noninterest expense to average assets | 3.2918% | 2,093 |
| Loan and lease loss provision to assets | 0.1942% | 1,954 |
| Net operating income to assets | 0.7466% | 3,586 |
| Return on assets (ROA) | 0.8729% | 3,091 |
| Pretax return on assets | 0.8729% | 4,015 |
| Return on Equity (ROE) | 9.2388% | 2,525 |
| Retained earnings to average equity (ytd only) | 1.8757% | 5,074 |
| Net charge-offs to loans | 0.2275% | 2,372 |
| Credit loss provision to net charge-offs | 114.4444% | 1,933 |
| Earnings coverage of net charge-offs (x) | 5.5444% | 2,873 |
| Efficiency ratio | 77.7728% | 2,497 |
| Assets per employee ($millions) | 3.5469% | 4,763 |
| Cash dividends to net income (ytd only)* | 79.6976% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2252% | 1,371 |
| Loan loss allowance to noncurrent loans | 60.9321% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 4.2232% | 802 |
| Noncurrent loans to loans | 3.6520% | 1,121 |
| Net loans and leases to total assets | 75.9518% | 993 |
| Net loans and leases to deposits | 87.0259% | 1,459 |
| Net loans and leases to core deposits | 90.4757% | 1,867 |
| Total domestic deposits to total assets | 87.2749% | 2,675 |
| Equity capital to assets | 9.4283% | 4,676 |
| Core capital (leverage) ratio | 9.6949% | 3,940 |
| Tier 1 risk-based capital ratio | 13.6471% | 4,672 |
| Total risk-based capital ratio | 14.9109% | 4,625 |
| Memoranda: | ||
| Average total assets | $106,080,670 | 4,666 |
| Average earning assets | $100,128,330 | 4,584 |
| Average equity | $10,023,000 | 4,928 |
| Average total loans | $79,124,000 | 4,006 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 1,415 |
| Cost of funding earning assets | 0.4951% | 4,136 |
| Net interest margin | 4.2503% | 1,070 |
| Noninterest income to average assets | 0.5014% | 3,759 |
| Noninterest expense to average assets | 3.1646% | 2,468 |
| Loan and lease loss provision to assets | 0.3306% | 1,016 |
| Net operating income to assets | 0.9917% | 2,259 |
| Return on assets (ROA) | 0.9917% | 2,379 |
| Pretax return on assets | 0.9917% | 3,387 |
| Return on Equity (ROE) | 10.4855% | 1,880 |
| Retained earnings to average equity (ytd only) | -4.0057% | 6,277 |
| Net charge-offs to loans | 0.2947% | 1,787 |
| Credit loss provision to net charge-offs | 153.4483% | 1,343 |
| Earnings coverage of net charge-offs (x) | 6.1379% | 2,270 |
| Efficiency ratio | 70.5298% | 3,887 |
| Assets per employee ($millions) | 3.8277% | 4,297 |
| Cash dividends to net income (ytd only)* | 138.2022% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2744% | 1,449 |
| Loan loss allowance to noncurrent loans | 55.2106% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 5.3996% | 643 |
| Noncurrent loans to loans | 4.1195% | 1,075 |
| Net loans and leases to total assets | 72.0028% | 1,348 |
| Net loans and leases to deposits | 82.8065% | 1,733 |
| Net loans and leases to core deposits | 85.5798% | 2,152 |
| Total domestic deposits to total assets | 86.9531% | 2,988 |
| Equity capital to assets | 9.4388% | 4,943 |
| Core capital (leverage) ratio | 9.3576% | 4,308 |
| Tier 1 risk-based capital ratio | 13.3466% | 4,975 |
| Total risk-based capital ratio | 14.6110% | 4,916 |
| Memoranda: | ||
| Average total assets | $107,691,000 | 4,663 |
| Average earning assets | $100,982,000 | 4,596 |
| Average equity | $10,185,500 | 4,950 |
| Average total loans | $78,735,000 | 4,045 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 1,080 |
| Cost of funding earning assets | 0.6409% | 3,999 |
| Net interest margin | 4.5804% | 811 |
| Noninterest income to average assets | 0.4327% | 4,367 |
| Noninterest expense to average assets | 3.3474% | 2,195 |
| Loan and lease loss provision to assets | 0.5906% | 936 |
| Net operating income to assets | 0.7227% | 3,631 |
| Return on assets (ROA) | 0.8912% | 3,095 |
| Pretax return on assets | 0.8912% | 3,952 |
| Return on Equity (ROE) | 9.4826% | 2,408 |
| Retained earnings to average equity (ytd only) | 8.2705% | 1,040 |
| Net charge-offs to loans | 0.6515% | 1,807 |
| Credit loss provision to net charge-offs | 121.6963% | 2,348 |
| Earnings coverage of net charge-offs (x) | 2.7061% | 4,078 |
| Efficiency ratio | 71.8217% | 3,451 |
| Assets per employee ($millions) | 3.7313% | 4,505 |
| Cash dividends to net income (ytd only)* | 12.7820% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2483% | 1,465 |
| Loan loss allowance to noncurrent loans | 50.7476% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 6.0005% | 577 |
| Noncurrent loans to loans | 4.4303% | 972 |
| Net loans and leases to total assets | 70.9196% | 1,663 |
| Net loans and leases to deposits | 82.7189% | 1,906 |
| Net loans and leases to core deposits | 85.7392% | 2,349 |
| Total domestic deposits to total assets | 85.7357% | 3,494 |
| Equity capital to assets | 9.4772% | 4,903 |
| Core capital (leverage) ratio | 9.6351% | 3,913 |
| Tier 1 risk-based capital ratio | 13.4573% | 4,782 |
| Total risk-based capital ratio | 14.7207% | 4,731 |
| Memoranda: | ||
| Average total assets | $104,469,600 | 4,720 |
| Average earning assets | $96,432,400 | 4,680 |
| Average equity | $9,818,000 | 5,017 |
| Average total loans | $77,825,800 | 4,095 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 1,129 |
| Cost of funding earning assets | 0.6743% | 3,982 |
| Net interest margin | 4.5615% | 884 |
| Noninterest income to average assets | 0.4069% | 4,583 |
| Noninterest expense to average assets | 3.3662% | 2,096 |
| Loan and lease loss provision to assets | 0.6774% | 762 |
| Net operating income to assets | 0.5537% | 4,607 |
| Return on assets (ROA) | 0.7804% | 3,788 |
| Pretax return on assets | 0.7804% | 4,559 |
| Return on Equity (ROE) | 8.3222% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.6880% | 2,286 |
| Net charge-offs to loans | 0.7194% | 1,533 |
| Credit loss provision to net charge-offs | 125.5370% | 2,294 |
| Earnings coverage of net charge-offs (x) | 2.2816% | 4,128 |
| Efficiency ratio | 73.2213% | 3,115 |
| Assets per employee ($millions) | 3.6120% | 4,733 |
| Cash dividends to net income (ytd only)* | 19.6366% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1588% | 1,787 |
| Loan loss allowance to noncurrent loans | 48.7009% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 6.4823% | 585 |
| Noncurrent loans to loans | 4.4328% | 1,072 |
| Net loans and leases to total assets | 76.2370% | 938 |
| Net loans and leases to deposits | 90.0384% | 1,144 |
| Net loans and leases to core deposits | 94.0412% | 1,585 |
| Total domestic deposits to total assets | 84.6716% | 3,905 |
| Equity capital to assets | 9.4953% | 5,212 |
| Core capital (leverage) ratio | 9.3179% | 4,548 |
| Tier 1 risk-based capital ratio | 12.9030% | 5,328 |
| Total risk-based capital ratio | 14.1667% | 5,282 |
| Memoranda: | ||
| Average total assets | $103,535,250 | 4,787 |
| Average earning assets | $95,112,000 | 4,766 |
| Average equity | $9,708,750 | 5,097 |
| Average total loans | $77,656,000 | 4,147 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 1,277 |
| Cost of funding earning assets | 0.7077% | 3,953 |
| Net interest margin | 4.4840% | 1,022 |
| Noninterest income to average assets | 0.3161% | 5,295 |
| Noninterest expense to average assets | 3.3588% | 2,131 |
| Loan and lease loss provision to assets | 0.5934% | 1,011 |
| Net operating income to assets | 0.4926% | 4,849 |
| Return on assets (ROA) | 0.7544% | 3,860 |
| Pretax return on assets | 0.7544% | 4,631 |
| Return on Equity (ROE) | 8.0792% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.6077% | 2,927 |
| Net charge-offs to loans | 0.6891% | 1,612 |
| Credit loss provision to net charge-offs | 116.3498% | 2,365 |
| Earnings coverage of net charge-offs (x) | 2.1293% | 3,922 |
| Efficiency ratio | 75.5672% | 2,815 |
| Assets per employee ($millions) | 3.6611% | 4,611 |
| Cash dividends to net income (ytd only)* | 30.5913% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 1,990 |
| Loan loss allowance to noncurrent loans | 47.8310% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 6.0987% | 694 |
| Noncurrent loans to loans | 4.3967% | 1,217 |
| Net loans and leases to total assets | 74.4507% | 1,183 |
| Net loans and leases to deposits | 87.0856% | 1,465 |
| Net loans and leases to core deposits | 90.8542% | 1,890 |
| Total domestic deposits to total assets | 85.4913% | 3,615 |
| Equity capital to assets | 9.1729% | 5,493 |
| Core capital (leverage) ratio | 9.1494% | 4,689 |
| Tier 1 risk-based capital ratio | 12.6666% | 5,439 |
| Total risk-based capital ratio | 13.9287% | 5,411 |
| Memoranda: | ||
| Average total assets | $103,131,330 | 4,824 |
| Average earning assets | $94,960,330 | 4,790 |
| Average equity | $9,629,670 | 5,127 |
| Average total loans | $76,335,330 | 4,206 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1985% | 1,323 |
| Cost of funding earning assets | 0.7592% | 3,793 |
| Net interest margin | 4.4393% | 1,133 |
| Noninterest income to average assets | 0.5354% | 3,662 |
| Noninterest expense to average assets | 3.2870% | 2,326 |
| Loan and lease loss provision to assets | 0.8503% | 547 |
| Net operating income to assets | 0.4724% | 4,945 |
| Return on assets (ROA) | 0.7401% | 3,912 |
| Pretax return on assets | 0.7401% | 4,648 |
| Return on Equity (ROE) | 7.8538% | 3,344 |
| Retained earnings to average equity (ytd only) | 3.8851% | 4,261 |
| Net charge-offs to loans | 1.1493% | 900 |
| Credit loss provision to net charge-offs | 101.4085% | 2,268 |
| Earnings coverage of net charge-offs (x) | 1.5775% | 3,543 |
| Efficiency ratio | 71.3066% | 3,569 |
| Assets per employee ($millions) | 3.5389% | 5,030 |
| Cash dividends to net income (ytd only)* | 50.5319% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 2,040 |
| Loan loss allowance to noncurrent loans | 46.6779% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 6.5177% | 689 |
| Noncurrent loans to loans | 4.5523% | 1,268 |
| Net loans and leases to total assets | 74.4127% | 999 |
| Net loans and leases to deposits | 85.6683% | 1,459 |
| Net loans and leases to core deposits | 89.7213% | 1,878 |
| Total domestic deposits to total assets | 86.8614% | 3,038 |
| Equity capital to assets | 9.3297% | 5,053 |
| Core capital (leverage) ratio | 9.2140% | 4,492 |
| Tier 1 risk-based capital ratio | 12.8650% | 5,309 |
| Total risk-based capital ratio | 14.1271% | 5,281 |
| Memoranda: | ||
| Average total assets | $101,611,500 | 4,899 |
| Average earning assets | $93,257,000 | 4,869 |
| Average equity | $9,575,000 | 5,151 |
| Average total loans | $74,131,500 | 4,309 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 1,814 |
| Cost of funding earning assets | 1.0085% | 3,309 |
| Net interest margin | 4.2571% | 1,849 |
| Noninterest income to average assets | 0.5334% | 3,626 |
| Noninterest expense to average assets | 3.7537% | 1,431 |
| Loan and lease loss provision to assets | 0.3637% | 2,822 |
| Net operating income to assets | 0.3303% | 5,147 |
| Return on assets (ROA) | 0.4899% | 4,675 |
| Pretax return on assets | 0.4899% | 5,023 |
| Return on Equity (ROE) | 5.1808% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.1808% | 2,518 |
| Net charge-offs to loans | 0.7768% | 2,214 |
| Credit loss provision to net charge-offs | 65.9341% | 4,998 |
| Earnings coverage of net charge-offs (x) | 1.2582% | 4,839 |
| Efficiency ratio | 84.3970% | 1,719 |
| Assets per employee ($millions) | 3.4688% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3563% | 1,531 |
| Loan loss allowance to noncurrent loans | 40.8037% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 7.2112% | 631 |
| Noncurrent loans to loans | 5.7748% | 887 |
| Net loans and leases to total assets | 68.1760% | 2,360 |
| Net loans and leases to deposits | 78.0936% | 2,827 |
| Net loans and leases to core deposits | 81.3516% | 3,269 |
| Total domestic deposits to total assets | 87.3004% | 2,582 |
| Equity capital to assets | 9.5185% | 4,856 |
| Core capital (leverage) ratio | 9.2975% | 4,333 |
| Tier 1 risk-based capital ratio | 13.9479% | 4,359 |
| Total risk-based capital ratio | 15.2140% | 4,303 |
| Memoranda: | ||
| Average total assets | $98,996,000 | 4,918 |
| Average earning assets | $91,025,200 | 4,892 |
| Average equity | $9,361,400 | 5,196 |
| Average total loans | $70,289,000 | 4,478 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 1,918 |
| Cost of funding earning assets | 1.0554% | 3,283 |
| Net interest margin | 4.2305% | 1,987 |
| Noninterest income to average assets | 0.7654% | 2,226 |
| Noninterest expense to average assets | 3.7769% | 1,342 |
| Loan and lease loss provision to assets | 0.3638% | 2,683 |
| Net operating income to assets | 0.5220% | 4,449 |
| Return on assets (ROA) | 0.7356% | 3,622 |
| Pretax return on assets | 0.7356% | 4,359 |
| Return on Equity (ROE) | 7.7924% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.7924% | 1,594 |
| Net charge-offs to loans | 0.7472% | 2,070 |
| Credit loss provision to net charge-offs | 68.2741% | 4,540 |
| Earnings coverage of net charge-offs (x) | 1.6624% | 4,403 |
| Efficiency ratio | 81.0035% | 2,107 |
| Assets per employee ($millions) | 3.0990% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3431% | 1,626 |
| Loan loss allowance to noncurrent loans | 36.7037% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 8.2003% | 529 |
| Noncurrent loans to loans | 6.3837% | 838 |
| Net loans and leases to total assets | 72.1641% | 1,677 |
| Net loans and leases to deposits | 83.4846% | 2,094 |
| Net loans and leases to core deposits | 86.8272% | 2,670 |
| Total domestic deposits to total assets | 86.4400% | 2,963 |
| Equity capital to assets | 9.7653% | 4,676 |
| Core capital (leverage) ratio | 9.5101% | 4,132 |
| Tier 1 risk-based capital ratio | 13.6418% | 4,620 |
| Total risk-based capital ratio | 14.9073% | 4,578 |
| Memoranda: | ||
| Average total assets | $98,596,500 | 4,962 |
| Average earning assets | $90,829,250 | 4,930 |
| Average equity | $9,308,000 | 5,232 |
| Average total loans | $70,302,250 | 4,513 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2549% | 2,050 |
| Cost of funding earning assets | 1.0998% | 3,237 |
| Net interest margin | 4.1551% | 2,211 |
| Noninterest income to average assets | 0.8150% | 1,951 |
| Noninterest expense to average assets | 3.7274% | 1,479 |
| Loan and lease loss provision to assets | 0.3638% | 2,610 |
| Net operating income to assets | 0.5630% | 4,252 |
| Return on assets (ROA) | 0.8841% | 2,819 |
| Pretax return on assets | 0.8841% | 3,689 |
| Return on Equity (ROE) | 9.4744% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.4744% | 967 |
| Net charge-offs to loans | 1.0561% | 1,490 |
| Credit loss provision to net charge-offs | 48.9071% | 4,610 |
| Earnings coverage of net charge-offs (x) | 1.2459% | 4,357 |
| Efficiency ratio | 80.0873% | 2,377 |
| Assets per employee ($millions) | 2.9757% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3592% | 1,651 |
| Loan loss allowance to noncurrent loans | 33.0272% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 8.4910% | 515 |
| Noncurrent loans to loans | 7.1433% | 708 |
| Net loans and leases to total assets | 69.7102% | 2,281 |
| Net loans and leases to deposits | 81.2154% | 2,575 |
| Net loans and leases to core deposits | 84.3268% | 3,167 |
| Total domestic deposits to total assets | 85.8337% | 3,417 |
| Equity capital to assets | 9.6774% | 4,571 |
| Core capital (leverage) ratio | 9.4165% | 4,079 |
| Tier 1 risk-based capital ratio | 14.1738% | 4,040 |
| Total risk-based capital ratio | 15.4396% | 3,995 |
| Memoranda: | ||
| Average total assets | $98,406,330 | 5,007 |
| Average earning assets | $90,925,000 | 4,969 |
| Average equity | $9,182,670 | 5,274 |
| Average total loans | $69,309,670 | 4,601 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 1,954 |
| Cost of funding earning assets | 1.1341% | 3,273 |
| Net interest margin | 4.1409% | 2,116 |
| Noninterest income to average assets | 0.8365% | 1,896 |
| Noninterest expense to average assets | 3.7600% | 1,419 |
| Loan and lease loss provision to assets | 0.3614% | 2,389 |
| Net operating income to assets | 0.5847% | 4,113 |
| Return on assets (ROA) | 1.2263% | 1,512 |
| Pretax return on assets | 1.2263% | 2,289 |
| Return on Equity (ROE) | 13.3888% | 1,112 |
| Retained earnings to average equity (ytd only) | 13.3888% | 534 |
| Net charge-offs to loans | 0.1974% | 3,318 |
| Credit loss provision to net charge-offs | 261.7647% | 1,202 |
| Earnings coverage of net charge-offs (x) | 6.8529% | 2,040 |
| Efficiency ratio | 79.8965% | 2,554 |
| Assets per employee ($millions) | 3.1526% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 1,182 |
| Loan loss allowance to noncurrent loans | 44.4549% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 6.3624% | 884 |
| Noncurrent loans to loans | 6.1331% | 1,017 |
| Net loans and leases to total assets | 69.2155% | 2,285 |
| Net loans and leases to deposits | 82.5845% | 2,255 |
| Net loans and leases to core deposits | 85.1020% | 3,020 |
| Total domestic deposits to total assets | 83.8117% | 4,563 |
| Equity capital to assets | 9.2683% | 4,786 |
| Core capital (leverage) ratio | 9.2842% | 4,143 |
| Tier 1 risk-based capital ratio | 14.1691% | 3,957 |
| Total risk-based capital ratio | 15.4406% | 3,911 |
| Memoranda: | ||
| Average total assets | $98,510,500 | 5,040 |
| Average earning assets | $92,058,000 | 4,970 |
| Average equity | $9,022,500 | 5,321 |
| Average total loans | $68,910,500 | 4,655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 3,001 |
| Cost of funding earning assets | 1.4838% | 2,741 |
| Net interest margin | 3.8416% | 3,770 |
| Noninterest income to average assets | -0.0523% | 7,355 |
| Noninterest expense to average assets | 3.6266% | 1,860 |
| Loan and lease loss provision to assets | 0.6904% | 2,382 |
| Net operating income to assets | -0.7841% | 6,569 |
| Return on assets (ROA) | -0.6549% | 6,521 |
| Pretax return on assets | -0.6549% | 6,433 |
| Return on Equity (ROE) | -6.8551% | 6,551 |
| Retained earnings to average equity (ytd only) | -6.8551% | 6,451 |
| Net charge-offs to loans | 1.8710% | 1,104 |
| Credit loss provision to net charge-offs | 54.8160% | 6,181 |
| Earnings coverage of net charge-offs (x) | -0.0744% | 6,197 |
| Efficiency ratio | 102.6521% | 702 |
| Assets per employee ($millions) | 3.1028% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6963% | 1,178 |
| Loan loss allowance to noncurrent loans | 41.2318% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 6.3390% | 900 |
| Noncurrent loans to loans | 6.5393% | 912 |
| Net loans and leases to total assets | 66.9141% | 3,244 |
| Net loans and leases to deposits | 81.2879% | 2,932 |
| Net loans and leases to core deposits | 84.0287% | 3,590 |
| Total domestic deposits to total assets | 82.3175% | 5,086 |
| Equity capital to assets | 9.0513% | 5,070 |
| Core capital (leverage) ratio | 8.8342% | 4,803 |
| Tier 1 risk-based capital ratio | 13.7488% | 4,020 |
| Total risk-based capital ratio | 15.0188% | 3,988 |
| Memoranda: | ||
| Average total assets | $101,390,400 | 4,942 |
| Average earning assets | $94,621,600 | 4,875 |
| Average equity | $9,686,200 | 5,212 |
| Average total loans | $68,252,000 | 4,742 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3748% | 2,997 |
| Cost of funding earning assets | 1.5525% | 2,655 |
| Net interest margin | 3.8223% | 3,867 |
| Noninterest income to average assets | -0.0406% | 7,492 |
| Noninterest expense to average assets | 3.6264% | 1,726 |
| Loan and lease loss provision to assets | 0.6855% | 2,226 |
| Net operating income to assets | -0.7902% | 6,790 |
| Return on assets (ROA) | -0.6188% | 6,722 |
| Pretax return on assets | -0.6188% | 6,628 |
| Return on Equity (ROE) | -6.3954% | 6,750 |
| Retained earnings to average equity (ytd only) | -6.3954% | 6,670 |
| Net charge-offs to loans | 1.2426% | 1,640 |
| Credit loss provision to net charge-offs | 82.3899% | 5,057 |
| Earnings coverage of net charge-offs (x) | -0.1258% | 6,125 |
| Efficiency ratio | 102.9718% | 654 |
| Assets per employee ($millions) | 3.1285% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4334% | 570 |
| Loan loss allowance to noncurrent loans | 47.8920% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 6.2350% | 936 |
| Noncurrent loans to loans | 7.1691% | 766 |
| Net loans and leases to total assets | 64.7844% | 3,956 |
| Net loans and leases to deposits | 79.3533% | 3,568 |
| Net loans and leases to core deposits | 81.5463% | 4,308 |
| Total domestic deposits to total assets | 81.6406% | 5,149 |
| Equity capital to assets | 9.5163% | 4,818 |
| Core capital (leverage) ratio | 8.8969% | 4,853 |
| Tier 1 risk-based capital ratio | 14.3038% | 3,631 |
| Total risk-based capital ratio | 15.5840% | 3,572 |
| Memoranda: | ||
| Average total assets | $101,915,500 | 4,993 |
| Average earning assets | $94,984,000 | 4,927 |
| Average equity | $9,861,000 | 5,238 |
| Average total loans | $68,245,000 | 4,816 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4423% | 2,792 |
| Cost of funding earning assets | 1.6170% | 2,562 |
| Net interest margin | 3.8253% | 3,786 |
| Noninterest income to average assets | 0.2712% | 5,983 |
| Noninterest expense to average assets | 3.5467% | 1,917 |
| Loan and lease loss provision to assets | 0.6770% | 2,133 |
| Net operating income to assets | -0.3804% | 6,542 |
| Return on assets (ROA) | -0.1249% | 6,331 |
| Pretax return on assets | -0.1249% | 6,270 |
| Return on Equity (ROE) | -1.2836% | 6,351 |
| Retained earnings to average equity (ytd only) | -1.2836% | 6,025 |
| Net charge-offs to loans | 1.3731% | 1,387 |
| Credit loss provision to net charge-offs | 73.6730% | 4,867 |
| Earnings coverage of net charge-offs (x) | 0.3227% | 5,405 |
| Efficiency ratio | 92.2843% | 1,172 |
| Assets per employee ($millions) | 3.1543% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4366% | 580 |
| Loan loss allowance to noncurrent loans | 55.8802% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 6.3981% | 884 |
| Noncurrent loans to loans | 6.1499% | 1,026 |
| Net loans and leases to total assets | 63.8890% | 4,286 |
| Net loans and leases to deposits | 77.7045% | 4,039 |
| Net loans and leases to core deposits | 79.8433% | 4,712 |
| Total domestic deposits to total assets | 82.2204% | 4,897 |
| Equity capital to assets | 9.9132% | 4,120 |
| Core capital (leverage) ratio | 9.1677% | 4,349 |
| Tier 1 risk-based capital ratio | 14.9716% | 3,159 |
| Total risk-based capital ratio | 16.2515% | 3,120 |
| Memoranda: | ||
| Average total assets | $102,516,670 | 5,003 |
| Average earning assets | $95,731,330 | 4,937 |
| Average equity | $9,972,330 | 5,208 |
| Average total loans | $68,605,670 | 4,837 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 2,597 |
| Cost of funding earning assets | 1.6683% | 2,550 |
| Net interest margin | 3.8274% | 3,675 |
| Noninterest income to average assets | 0.2401% | 6,231 |
| Noninterest expense to average assets | 3.4848% | 2,023 |
| Loan and lease loss provision to assets | 0.6698% | 1,892 |
| Net operating income to assets | -0.3523% | 6,714 |
| Return on assets (ROA) | -0.0581% | 6,465 |
| Pretax return on assets | -0.0581% | 6,418 |
| Return on Equity (ROE) | -0.6027% | 6,478 |
| Retained earnings to average equity (ytd only) | -0.6027% | 5,973 |
| Net charge-offs to loans | 0.8286% | 1,874 |
| Credit loss provision to net charge-offs | 120.1389% | 2,900 |
| Earnings coverage of net charge-offs (x) | 0.5694% | 4,521 |
| Efficiency ratio | 91.6497% | 1,302 |
| Assets per employee ($millions) | 3.1948% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5886% | 508 |
| Loan loss allowance to noncurrent loans | 53.0228% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 6.8667% | 794 |
| Noncurrent loans to loans | 6.7681% | 904 |
| Net loans and leases to total assets | 64.3051% | 4,259 |
| Net loans and leases to deposits | 77.3114% | 4,166 |
| Net loans and leases to core deposits | 79.3772% | 4,845 |
| Total domestic deposits to total assets | 83.1767% | 4,534 |
| Equity capital to assets | 9.6818% | 4,259 |
| Core capital (leverage) ratio | 9.0515% | 4,470 |
| Tier 1 risk-based capital ratio | 14.6424% | 3,298 |
| Total risk-based capital ratio | 15.9234% | 3,239 |
| Memoranda: | ||
| Average total assets | $103,307,000 | 5,053 |
| Average earning assets | $96,148,000 | 4,983 |
| Average equity | $9,955,500 | 5,250 |
| Average total loans | $69,517,500 | 4,884 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5137% | 4,070 |
| Cost of funding earning assets | 2.3879% | 1,339 |
| Net interest margin | 3.1258% | 6,291 |
| Noninterest income to average assets | 0.2771% | 6,119 |
| Noninterest expense to average assets | 3.2859% | 3,058 |
| Loan and lease loss provision to assets | 0.9425% | 2,390 |
| Net operating income to assets | -1.0179% | 6,584 |
| Return on assets (ROA) | -1.0179% | 6,587 |
| Pretax return on assets | -1.0179% | 6,417 |
| Return on Equity (ROE) | -11.5292% | 6,738 |
| Retained earnings to average equity (ytd only) | -11.5292% | 6,646 |
| Net charge-offs to loans | 1.4079% | 1,783 |
| Credit loss provision to net charge-offs | 98.8444% | 5,634 |
| Earnings coverage of net charge-offs (x) | -0.0791% | 6,311 |
| Efficiency ratio | 102.3495% | 1,000 |
| Assets per employee ($millions) | 3.1631% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4130% | 569 |
| Loan loss allowance to noncurrent loans | 42.7889% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 7.8932% | 581 |
| Noncurrent loans to loans | 7.9763% | 631 |
| Net loans and leases to total assets | 65.5570% | 4,265 |
| Net loans and leases to deposits | 78.0262% | 4,366 |
| Net loans and leases to core deposits | 93.7512% | 4,699 |
| Total domestic deposits to total assets | 84.0191% | 4,017 |
| Equity capital to assets | 9.5927% | 4,277 |
| Core capital (leverage) ratio | 8.9533% | 4,502 |
| Tier 1 risk-based capital ratio | 13.8960% | 3,566 |
| Total risk-based capital ratio | 15.1745% | 3,503 |
| Memoranda: | ||
| Average total assets | $117,989,400 | 4,630 |
| Average earning assets | $110,723,600 | 4,540 |
| Average equity | $10,417,000 | 5,184 |
| Average total loans | $79,906,400 | 4,512 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5155% | 4,343 |
| Cost of funding earning assets | 2.5425% | 1,173 |
| Net interest margin | 2.9730% | 6,678 |
| Noninterest income to average assets | 0.4635% | 4,792 |
| Noninterest expense to average assets | 3.2819% | 2,989 |
| Loan and lease loss provision to assets | 0.9193% | 2,085 |
| Net operating income to assets | -0.9391% | 6,789 |
| Return on assets (ROA) | -0.9391% | 6,796 |
| Pretax return on assets | -0.9391% | 6,638 |
| Return on Equity (ROE) | -10.8383% | 6,947 |
| Retained earnings to average equity (ytd only) | -10.8383% | 6,875 |
| Net charge-offs to loans | 1.1975% | 1,697 |
| Credit loss provision to net charge-offs | 113.4146% | 4,484 |
| Earnings coverage of net charge-offs (x) | -0.0244% | 6,097 |
| Efficiency ratio | 100.6061% | 1,032 |
| Assets per employee ($millions) | 3.3241% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4116% | 458 |
| Loan loss allowance to noncurrent loans | 41.8901% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 7.5536% | 590 |
| Noncurrent loans to loans | 8.1441% | 588 |
| Net loans and leases to total assets | 65.3242% | 4,571 |
| Net loans and leases to deposits | 77.8798% | 4,754 |
| Net loans and leases to core deposits | 94.0567% | 5,009 |
| Total domestic deposits to total assets | 83.8782% | 3,782 |
| Equity capital to assets | 9.6029% | 4,616 |
| Core capital (leverage) ratio | 8.5043% | 5,481 |
| Tier 1 risk-based capital ratio | 13.9163% | 3,599 |
| Total risk-based capital ratio | 15.1957% | 3,529 |
| Memoranda: | ||
| Average total assets | $121,391,500 | 4,562 |
| Average earning assets | $114,268,750 | 4,468 |
| Average equity | $10,518,000 | 5,193 |
| Average total loans | $82,171,250 | 4,477 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5560% | 4,310 |
| Cost of funding earning assets | 2.6372% | 1,190 |
| Net interest margin | 2.9188% | 6,759 |
| Noninterest income to average assets | 0.4470% | 4,876 |
| Noninterest expense to average assets | 3.1639% | 3,459 |
| Loan and lease loss provision to assets | 0.9801% | 1,722 |
| Net operating income to assets | -0.9498% | 6,936 |
| Return on assets (ROA) | -0.9498% | 6,940 |
| Pretax return on assets | -0.9498% | 6,779 |
| Return on Equity (ROE) | -11.3197% | 7,130 |
| Retained earnings to average equity (ytd only) | -11.3197% | 6,993 |
| Net charge-offs to loans | 1.2637% | 1,463 |
| Credit loss provision to net charge-offs | 114.5522% | 4,041 |
| Earnings coverage of net charge-offs (x) | 0.0354% | 5,642 |
| Efficiency ratio | 99.0505% | 1,224 |
| Assets per employee ($millions) | 3.1588% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1613% | 495 |
| Loan loss allowance to noncurrent loans | 44.7814% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 7.0879% | 591 |
| Noncurrent loans to loans | 7.0595% | 683 |
| Net loans and leases to total assets | 65.7857% | 4,611 |
| Net loans and leases to deposits | 76.6517% | 5,072 |
| Net loans and leases to core deposits | 96.3847% | 4,857 |
| Total domestic deposits to total assets | 85.8242% | 2,877 |
| Equity capital to assets | 8.8368% | 5,543 |
| Core capital (leverage) ratio | 8.2224% | 5,941 |
| Tier 1 risk-based capital ratio | 13.3569% | 3,895 |
| Total risk-based capital ratio | 14.6008% | 3,837 |
| Memoranda: | ||
| Average total assets | $125,290,000 | 4,501 |
| Average earning assets | $117,927,000 | 4,415 |
| Average equity | $10,512,670 | 5,209 |
| Average total loans | $84,832,000 | 4,436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 4,849 |
| Cost of funding earning assets | 2.7379% | 1,150 |
| Net interest margin | 2.7738% | 7,047 |
| Noninterest income to average assets | 0.2656% | 6,320 |
| Noninterest expense to average assets | 2.8387% | 4,386 |
| Loan and lease loss provision to assets | 0.4232% | 2,812 |
| Net operating income to assets | -0.3676% | 6,750 |
| Return on assets (ROA) | -0.3676% | 6,830 |
| Pretax return on assets | -0.3676% | 6,723 |
| Return on Equity (ROE) | -4.4884% | 6,937 |
| Retained earnings to average equity (ytd only) | -4.4884% | 6,486 |
| Net charge-offs to loans | 1.6676% | 865 |
| Credit loss provision to net charge-offs | 37.5342% | 4,845 |
| Earnings coverage of net charge-offs (x) | 0.0493% | 4,937 |
| Efficiency ratio | 98.0790% | 1,214 |
| Assets per employee ($millions) | 3.5689% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5916% | 700 |
| Loan loss allowance to noncurrent loans | 50.1250% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 5.3128% | 817 |
| Noncurrent loans to loans | 5.1703% | 1,039 |
| Net loans and leases to total assets | 64.5053% | 4,901 |
| Net loans and leases to deposits | 76.9139% | 5,100 |
| Net loans and leases to core deposits | 98.0677% | 4,738 |
| Total domestic deposits to total assets | 83.8669% | 3,767 |
| Equity capital to assets | 8.5740% | 5,949 |
| Core capital (leverage) ratio | 8.0738% | 6,338 |
| Tier 1 risk-based capital ratio | 13.0609% | 4,152 |
| Total risk-based capital ratio | 14.3291% | 4,047 |
| Memoranda: | ||
| Average total assets | $129,497,500 | 4,417 |
| Average earning assets | $122,721,500 | 4,311 |
| Average equity | $10,605,000 | 5,212 |
| Average total loans | $87,549,500 | 4,374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5772% | 2,595 |
| Cost of funding earning assets | 3.2135% | 1,150 |
| Net interest margin | 3.3637% | 5,804 |
| Noninterest income to average assets | 0.6513% | 3,467 |
| Noninterest expense to average assets | 2.9649% | 4,205 |
| Loan and lease loss provision to assets | 1.8808% | 662 |
| Net operating income to assets | -0.9921% | 7,247 |
| Return on assets (ROA) | -0.8628% | 7,083 |
| Pretax return on assets | -0.8628% | 6,919 |
| Return on Equity (ROE) | -11.2066% | 7,360 |
| Retained earnings to average equity (ytd only) | -11.2066% | 7,174 |
| Net charge-offs to loans | 1.3366% | 880 |
| Credit loss provision to net charge-offs | 194.6457% | 2,516 |
| Earnings coverage of net charge-offs (x) | 0.9197% | 5,674 |
| Efficiency ratio | 76.9398% | 3,087 |
| Assets per employee ($millions) | 3.5274% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7017% | 561 |
| Loan loss allowance to noncurrent loans | 70.3297% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 4.0471% | 1,008 |
| Noncurrent loans to loans | 3.8415% | 1,293 |
| Net loans and leases to total assets | 67.1077% | 4,618 |
| Net loans and leases to deposits | 81.5138% | 4,794 |
| Net loans and leases to core deposits | 105.3223% | 4,265 |
| Total domestic deposits to total assets | 82.3268% | 4,074 |
| Equity capital to assets | 7.8107% | 7,080 |
| Core capital (leverage) ratio | 7.6974% | 6,938 |
| Tier 1 risk-based capital ratio | 11.7037% | 5,055 |
| Total risk-based capital ratio | 12.9740% | 4,943 |
| Memoranda: | ||
| Average total assets | $131,436,600 | 4,248 |
| Average earning assets | $125,129,600 | 4,151 |
| Average equity | $10,119,000 | 5,370 |
| Average total loans | $95,018,400 | 4,077 |