Home > Clay County Bank, Inc. > Performance and Condition Ratios
Clay County Bank, 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 | 4.7805% | 2,512 |
| Cost of funding earning assets | 0.7750% | 3,801 |
| Net interest margin | 4.0055% | 1,197 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.6317% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3863% | 1,239 |
| Return on assets (ROA) | 1.3863% | 1,213 |
| Pretax return on assets | 1.7744% | 918 |
| Return on Equity (ROE) | 11.1600% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.8499% | 1,588 |
| Net charge-offs to loans | 0.0548% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 64.8485% | 1,145 |
| Efficiency ratio | 59.7290% | 3,112 |
| Assets per employee ($millions) | 5.9063% | 2,895 |
| Cash dividends to net income (ytd only)* | 29.6651% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 359 |
| Loan loss allowance to noncurrent loans | 593.7799% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,416 |
| Noncurrent loans to loans | 0.3404% | 1,962 |
| Net loans and leases to total assets | 48.5100% | 3,701 |
| Net loans and leases to deposits | 55.9786% | 3,707 |
| Net loans and leases to core deposits | 59.4890% | 3,778 |
| Total domestic deposits to total assets | 86.6500% | 1,802 |
| Equity capital to assets | 12.8329% | 893 |
| Core capital (leverage) ratio | 14.5577% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $120,605,200 | 3,646 |
| Average earning assets | $115,615,000 | 3,586 |
| Average equity | $14,981,000 | 3,267 |
| Average total loans | $60,238,600 | 3,704 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 2,471 |
| Cost of funding earning assets | 0.7021% | 3,758 |
| Net interest margin | 3.9997% | 1,216 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.4852% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4619% | 1,204 |
| Return on assets (ROA) | 1.4619% | 1,185 |
| Pretax return on assets | 1.8995% | 861 |
| Return on Equity (ROE) | 11.8700% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.6143% | 1,239 |
| Net charge-offs to loans | 0.0689% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 55.0323% | 1,255 |
| Efficiency ratio | 56.6785% | 3,342 |
| Assets per employee ($millions) | 6.0304% | 2,727 |
| Cash dividends to net income (ytd only)* | 10.5864% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0002% | 388 |
| Loan loss allowance to noncurrent loans | 531.4655% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,314 |
| Noncurrent loans to loans | 0.3764% | 1,886 |
| Net loans and leases to total assets | 50.0900% | 3,610 |
| Net loans and leases to deposits | 57.4272% | 3,636 |
| Net loans and leases to core deposits | 61.1147% | 3,652 |
| Total domestic deposits to total assets | 87.2200% | 1,822 |
| Equity capital to assets | 12.3201% | 963 |
| Core capital (leverage) ratio | 15.0175% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $119,748,250 | 3,664 |
| Average earning assets | $114,706,750 | 3,608 |
| Average equity | $14,747,000 | 3,287 |
| Average total loans | $59,947,250 | 3,717 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 2,340 |
| Cost of funding earning assets | 0.6460% | 3,638 |
| Net interest margin | 3.9900% | 1,263 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.4761% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4532% | 1,206 |
| Return on assets (ROA) | 1.4532% | 1,189 |
| Pretax return on assets | 1.8851% | 890 |
| Return on Equity (ROE) | 11.8000% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.9118% | 1,424 |
| Net charge-offs to loans | 0.0337% | 1,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 112.6000% | 879 |
| Efficiency ratio | 56.7754% | 3,323 |
| Assets per employee ($millions) | 5.9690% | 2,734 |
| Cash dividends to net income (ytd only)* | 16.0138% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0752% | 370 |
| Loan loss allowance to noncurrent loans | 474.3396% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 2,080 |
| Noncurrent loans to loans | 0.4375% | 1,628 |
| Net loans and leases to total assets | 49.6900% | 3,581 |
| Net loans and leases to deposits | 57.1419% | 3,581 |
| Net loans and leases to core deposits | 60.7045% | 3,592 |
| Total domestic deposits to total assets | 86.9500% | 1,947 |
| Equity capital to assets | 12.5130% | 921 |
| Core capital (leverage) ratio | 14.4904% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $119,461,667 | 3,684 |
| Average earning assets | $114,236,667 | 3,633 |
| Average equity | $14,709,667 | 3,299 |
| Average total loans | $59,382,000 | 3,731 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 2,325 |
| Cost of funding earning assets | 0.5551% | 3,518 |
| Net interest margin | 3.9415% | 1,383 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.4803% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4159% | 1,363 |
| Return on assets (ROA) | 1.4159% | 1,334 |
| Pretax return on assets | 1.8376% | 1,008 |
| Return on Equity (ROE) | 11.5900% | 2,325 |
| Retained earnings to average equity (ytd only) | 10.4416% | 1,592 |
| Net charge-offs to loans | 0.0272% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 137.2500% | 640 |
| Efficiency ratio | 57.4419% | 3,251 |
| Assets per employee ($millions) | 6.0911% | 2,685 |
| Cash dividends to net income (ytd only)* | 9.9291% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 360 |
| Loan loss allowance to noncurrent loans | 520.2479% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 2,034 |
| Noncurrent loans to loans | 0.4093% | 1,707 |
| Net loans and leases to total assets | 47.5000% | 3,666 |
| Net loans and leases to deposits | 54.4685% | 3,655 |
| Net loans and leases to core deposits | 57.6189% | 3,653 |
| Total domestic deposits to total assets | 87.2100% | 2,184 |
| Equity capital to assets | 12.3058% | 915 |
| Core capital (leverage) ratio | 14.4103% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $119,502,500 | 3,726 |
| Average earning assets | $114,577,000 | 3,670 |
| Average equity | $14,595,500 | 3,344 |
| Average total loans | $58,787,000 | 3,776 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 1,568 |
| Cost of funding earning assets | 0.3874% | 2,196 |
| Net interest margin | 3.6690% | 1,455 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.5510% | 1,965 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1520% | 1,966 |
| Return on assets (ROA) | 1.1520% | 1,911 |
| Pretax return on assets | 1.5084% | 1,425 |
| Return on Equity (ROE) | 9.2500% | 3,048 |
| Retained earnings to average equity (ytd only) | 6.0464% | 2,626 |
| Net charge-offs to loans | -0.0275% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7496% | 2,662 |
| Assets per employee ($millions) | 5.5800% | 3,144 |
| Cash dividends to net income (ytd only)* | 34.6439% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 324 |
| Loan loss allowance to noncurrent loans | 464.3382% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 1,984 |
| Noncurrent loans to loans | 0.4654% | 1,541 |
| Net loans and leases to total assets | 48.8000% | 3,604 |
| Net loans and leases to deposits | 55.7475% | 3,591 |
| Net loans and leases to core deposits | 58.9175% | 3,559 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 12.0542% | 913 |
| Core capital (leverage) ratio | 14.4098% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $117,013,000 | 3,752 |
| Average earning assets | $111,774,800 | 3,703 |
| Average equity | $14,570,600 | 3,407 |
| Average total loans | $58,196,200 | 3,764 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 1,412 |
| Cost of funding earning assets | 0.3668% | 1,547 |
| Net interest margin | 3.5614% | 1,485 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.4165% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1809% | 1,767 |
| Return on assets (ROA) | 1.1809% | 1,737 |
| Pretax return on assets | 1.5411% | 1,300 |
| Return on Equity (ROE) | 9.4100% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.1458% | 1,943 |
| Net charge-offs to loans | 0.0252% | 1,317 |
| Credit loss provision to net charge-offs | 18.1818% | 1,634 |
| Earnings coverage of net charge-offs (x) | 123.0909% | 833 |
| Efficiency ratio | 61.0248% | 2,968 |
| Assets per employee ($millions) | 5.4006% | 3,328 |
| Cash dividends to net income (ytd only)* | 13.4170% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 433 |
| Loan loss allowance to noncurrent loans | 386.1635% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 1,703 |
| Noncurrent loans to loans | 0.5379% | 1,461 |
| Net loans and leases to total assets | 48.7300% | 3,552 |
| Net loans and leases to deposits | 55.3169% | 3,532 |
| Net loans and leases to core deposits | 58.1664% | 3,493 |
| Total domestic deposits to total assets | 88.0800% | 2,405 |
| Equity capital to assets | 11.5264% | 997 |
| Core capital (leverage) ratio | 14.0384% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $116,971,500 | 3,778 |
| Average earning assets | $111,601,750 | 3,733 |
| Average equity | $14,682,000 | 3,441 |
| Average total loans | $58,133,750 | 3,779 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 1,346 |
| Cost of funding earning assets | 0.3869% | 1,007 |
| Net interest margin | 3.4010% | 1,603 |
| Noninterest income to average assets | 0.5707% | 1,862 |
| Noninterest expense to average assets | 2.4098% | 2,198 |
| Loan and lease loss provision to assets | 0.0034% | 2,545 |
| Net operating income to assets | 1.0794% | 1,859 |
| Return on assets (ROA) | 1.0794% | 1,837 |
| Pretax return on assets | 1.4060% | 1,422 |
| Return on Equity (ROE) | 8.3672% | 2,908 |
| Retained earnings to average equity (ytd only) | 6.5152% | 2,169 |
| Net charge-offs to loans | 0.0554% | 833 |
| Credit loss provision to net charge-offs | 12.5000% | 1,625 |
| Earnings coverage of net charge-offs (x) | 51.2500% | 1,149 |
| Efficiency ratio | 63.0963% | 2,902 |
| Assets per employee ($millions) | 5.3334% | 3,400 |
| Cash dividends to net income (ytd only)* | 22.1338% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1065% | 447 |
| Loan loss allowance to noncurrent loans | 335.2459% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 1,761 |
| Noncurrent loans to loans | 0.6283% | 1,350 |
| Net loans and leases to total assets | 48.5972% | 3,497 |
| Net loans and leases to deposits | 55.6161% | 3,411 |
| Net loans and leases to core deposits | 57.3929% | 3,471 |
| Total domestic deposits to total assets | 87.3796% | 2,805 |
| Equity capital to assets | 12.0928% | 845 |
| Core capital (leverage) ratio | 13.8547% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,357,333 | 3,831 |
| Average earning assets | $111,142,667 | 3,791 |
| Average equity | $15,011,000 | 3,487 |
| Average total loans | $57,804,667 | 3,829 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 1,190 |
| Cost of funding earning assets | 0.3920% | 913 |
| Net interest margin | 3.3500% | 1,443 |
| Noninterest income to average assets | 0.5489% | 1,902 |
| Noninterest expense to average assets | 2.4096% | 2,128 |
| Loan and lease loss provision to assets | 0.0069% | 2,186 |
| Net operating income to assets | 1.0115% | 1,830 |
| Return on assets (ROA) | 1.0115% | 1,823 |
| Pretax return on assets | 1.3187% | 1,449 |
| Return on Equity (ROE) | 7.5995% | 2,838 |
| Retained earnings to average equity (ytd only) | 6.5102% | 2,070 |
| Net charge-offs to loans | 0.0278% | 1,041 |
| Credit loss provision to net charge-offs | 50.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 686 |
| Efficiency ratio | 64.5102% | 2,964 |
| Assets per employee ($millions) | 5.5508% | 3,276 |
| Cash dividends to net income (ytd only)* | 14.3345% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1548% | 476 |
| Loan loss allowance to noncurrent loans | 306.4516% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 1,724 |
| Noncurrent loans to loans | 0.7031% | 1,351 |
| Net loans and leases to total assets | 48.1088% | 3,376 |
| Net loans and leases to deposits | 55.4716% | 3,308 |
| Net loans and leases to core deposits | 56.9775% | 3,378 |
| Total domestic deposits to total assets | 86.7269% | 3,025 |
| Equity capital to assets | 12.7437% | 749 |
| Core capital (leverage) ratio | 13.7168% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,869,000 | 3,853 |
| Average earning assets | $110,208,000 | 3,818 |
| Average equity | $15,422,000 | 3,526 |
| Average total loans | $57,583,000 | 3,836 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 1,604 |
| Cost of funding earning assets | 0.4735% | 1,043 |
| Net interest margin | 3.4294% | 1,934 |
| Noninterest income to average assets | 0.6067% | 2,125 |
| Noninterest expense to average assets | 2.5046% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1355% | 2,159 |
| Return on assets (ROA) | 1.1355% | 2,210 |
| Pretax return on assets | 1.3483% | 2,208 |
| Return on Equity (ROE) | 7.9722% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.3339% | 2,653 |
| Net charge-offs to loans | 0.0751% | 1,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 35.4524% | 1,499 |
| Efficiency ratio | 65.0059% | 2,399 |
| Assets per employee ($millions) | 5.7586% | 3,001 |
| Cash dividends to net income (ytd only)* | 33.0941% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1486% | 487 |
| Loan loss allowance to noncurrent loans | 439.2226% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 2,331 |
| Noncurrent loans to loans | 0.4892% | 1,904 |
| Net loans and leases to total assets | 49.1521% | 3,387 |
| Net loans and leases to deposits | 57.3581% | 3,308 |
| Net loans and leases to core deposits | 59.1328% | 3,380 |
| Total domestic deposits to total assets | 85.6934% | 3,018 |
| Equity capital to assets | 13.8828% | 686 |
| Core capital (leverage) ratio | 13.5802% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,437,600 | 3,890 |
| Average earning assets | $104,537,000 | 3,861 |
| Average equity | $15,729,600 | 3,570 |
| Average total loans | $55,957,800 | 3,894 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 1,723 |
| Cost of funding earning assets | 0.4905% | 1,099 |
| Net interest margin | 3.4219% | 2,091 |
| Noninterest income to average assets | 0.6053% | 2,200 |
| Noninterest expense to average assets | 2.4273% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0800% | 2,628 |
| Return on assets (ROA) | 1.0800% | 2,689 |
| Pretax return on assets | 1.4132% | 2,282 |
| Return on Equity (ROE) | 7.5326% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.4687% | 2,630 |
| Net charge-offs to loans | 0.0649% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 42.8889% | 1,324 |
| Efficiency ratio | 63.2031% | 2,509 |
| Assets per employee ($millions) | 5.4163% | 3,294 |
| Cash dividends to net income (ytd only)* | 14.1243% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1859% | 467 |
| Loan loss allowance to noncurrent loans | 389.7196% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 2,361 |
| Noncurrent loans to loans | 0.5609% | 1,915 |
| Net loans and leases to total assets | 49.2153% | 3,502 |
| Net loans and leases to deposits | 57.6331% | 3,438 |
| Net loans and leases to core deposits | 59.4471% | 3,515 |
| Total domestic deposits to total assets | 85.3943% | 2,985 |
| Equity capital to assets | 14.0967% | 715 |
| Core capital (leverage) ratio | 13.7832% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,254,250 | 3,947 |
| Average earning assets | $103,293,750 | 3,921 |
| Average equity | $15,664,750 | 3,611 |
| Average total loans | $55,484,250 | 3,954 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 1,760 |
| Cost of funding earning assets | 0.5082% | 1,151 |
| Net interest margin | 3.4153% | 2,091 |
| Noninterest income to average assets | 0.5939% | 2,244 |
| Noninterest expense to average assets | 2.4592% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0319% | 2,780 |
| Return on assets (ROA) | 1.0319% | 2,856 |
| Pretax return on assets | 1.3530% | 2,468 |
| Return on Equity (ROE) | 7.1550% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,981 |
| Net charge-offs to loans | 0.1093% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 24.3000% | 1,438 |
| Efficiency ratio | 64.5083% | 2,359 |
| Assets per employee ($millions) | 5.2673% | 3,391 |
| Cash dividends to net income (ytd only)* | 22.4820% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2628% | 392 |
| Loan loss allowance to noncurrent loans | 411.1842% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 2,134 |
| Noncurrent loans to loans | 0.5503% | 2,023 |
| Net loans and leases to total assets | 48.8116% | 3,660 |
| Net loans and leases to deposits | 57.2957% | 3,614 |
| Net loans and leases to core deposits | 59.1499% | 3,677 |
| Total domestic deposits to total assets | 85.1925% | 3,020 |
| Equity capital to assets | 14.2126% | 676 |
| Core capital (leverage) ratio | 13.8663% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,758,000 | 3,981 |
| Average earning assets | $101,542,000 | 3,958 |
| Average equity | $15,541,667 | 3,628 |
| Average total loans | $54,902,333 | 3,992 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 1,712 |
| Cost of funding earning assets | 0.5234% | 1,253 |
| Net interest margin | 3.4238% | 2,043 |
| Noninterest income to average assets | 0.5981% | 2,219 |
| Noninterest expense to average assets | 2.4377% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0496% | 2,639 |
| Return on assets (ROA) | 1.0496% | 2,718 |
| Pretax return on assets | 1.3844% | 2,325 |
| Return on Equity (ROE) | 7.2224% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.4975% | 2,728 |
| Net charge-offs to loans | 0.3873% | 213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.9434% | 1,632 |
| Efficiency ratio | 63.7795% | 2,493 |
| Assets per employee ($millions) | 5.1703% | 3,465 |
| Cash dividends to net income (ytd only)* | 10.0358% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2431% | 392 |
| Loan loss allowance to noncurrent loans | 290.9739% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 1,944 |
| Noncurrent loans to loans | 0.7709% | 1,699 |
| Net loans and leases to total assets | 49.1702% | 3,700 |
| Net loans and leases to deposits | 57.6926% | 3,663 |
| Net loans and leases to core deposits | 59.5531% | 3,736 |
| Total domestic deposits to total assets | 85.2279% | 3,019 |
| Equity capital to assets | 14.2693% | 615 |
| Core capital (leverage) ratio | 14.3275% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,330,500 | 4,004 |
| Average earning assets | $100,122,000 | 3,978 |
| Average equity | $15,452,000 | 3,645 |
| Average total loans | $54,732,500 | 4,015 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 1,603 |
| Cost of funding earning assets | 0.6268% | 2,139 |
| Net interest margin | 3.7692% | 1,589 |
| Noninterest income to average assets | 0.5963% | 2,227 |
| Noninterest expense to average assets | 2.6394% | 2,423 |
| Loan and lease loss provision to assets | 0.0626% | 3,589 |
| Net operating income to assets | 1.1398% | 1,765 |
| Return on assets (ROA) | 1.1398% | 1,890 |
| Pretax return on assets | 1.4678% | 1,446 |
| Return on Equity (ROE) | 7.6415% | 2,947 |
| Retained earnings to average equity (ytd only) | 4.8767% | 2,327 |
| Net charge-offs to loans | 0.0618% | 1,894 |
| Credit loss provision to net charge-offs | 185.2941% | 2,237 |
| Earnings coverage of net charge-offs (x) | 45.2941% | 1,285 |
| Efficiency ratio | 63.2984% | 2,926 |
| Assets per employee ($millions) | 5.2043% | 3,149 |
| Cash dividends to net income (ytd only)* | 36.1813% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 335 |
| Loan loss allowance to noncurrent loans | 311.1922% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 2,068 |
| Noncurrent loans to loans | 0.7493% | 1,830 |
| Net loans and leases to total assets | 51.4714% | 3,706 |
| Net loans and leases to deposits | 60.7856% | 3,699 |
| Net loans and leases to core deposits | 62.8405% | 3,782 |
| Total domestic deposits to total assets | 84.6769% | 2,892 |
| Equity capital to assets | 14.8062% | 606 |
| Core capital (leverage) ratio | 14.2005% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,627,400 | 3,985 |
| Average earning assets | $95,406,000 | 3,956 |
| Average equity | $15,010,200 | 3,651 |
| Average total loans | $55,038,800 | 3,998 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 1,655 |
| Cost of funding earning assets | 0.6406% | 2,377 |
| Net interest margin | 3.8269% | 1,551 |
| Noninterest income to average assets | 0.5947% | 2,201 |
| Noninterest expense to average assets | 2.6021% | 2,522 |
| Loan and lease loss provision to assets | 0.0441% | 3,805 |
| Net operating income to assets | 1.2108% | 1,609 |
| Return on assets (ROA) | 1.2108% | 1,731 |
| Pretax return on assets | 1.5810% | 1,237 |
| Return on Equity (ROE) | 8.1017% | 2,773 |
| Retained earnings to average equity (ytd only) | 6.9840% | 1,699 |
| Net charge-offs to loans | 0.0339% | 2,152 |
| Credit loss provision to net charge-offs | 235.7143% | 1,980 |
| Earnings coverage of net charge-offs (x) | 86.8571% | 873 |
| Efficiency ratio | 61.5555% | 3,144 |
| Assets per employee ($millions) | 4.9950% | 3,257 |
| Cash dividends to net income (ytd only)* | 13.7969% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2820% | 305 |
| Loan loss allowance to noncurrent loans | 308.9806% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 2,602 |
| Noncurrent loans to loans | 0.7386% | 1,961 |
| Net loans and leases to total assets | 51.9672% | 3,969 |
| Net loans and leases to deposits | 61.2979% | 3,971 |
| Net loans and leases to core deposits | 63.6513% | 4,024 |
| Total domestic deposits to total assets | 84.7781% | 2,519 |
| Equity capital to assets | 14.7309% | 690 |
| Core capital (leverage) ratio | 14.3836% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,763,000 | 3,995 |
| Average earning assets | $94,694,500 | 3,957 |
| Average equity | $14,910,000 | 3,665 |
| Average total loans | $55,085,250 | 4,020 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,682 |
| Cost of funding earning assets | 0.6556% | 2,662 |
| Net interest margin | 3.9272% | 1,510 |
| Noninterest income to average assets | 0.5956% | 2,146 |
| Noninterest expense to average assets | 2.6068% | 2,641 |
| Loan and lease loss provision to assets | 0.0061% | 4,103 |
| Net operating income to assets | 1.3177% | 1,314 |
| Return on assets (ROA) | 1.3177% | 1,413 |
| Pretax return on assets | 1.7093% | 981 |
| Return on Equity (ROE) | 8.7716% | 2,461 |
| Retained earnings to average equity (ytd only) | 7.0743% | 1,626 |
| Net charge-offs to loans | 0.0073% | 2,698 |
| Credit loss provision to net charge-offs | 150.0000% | 2,122 |
| Earnings coverage of net charge-offs (x) | 420.5000% | 237 |
| Efficiency ratio | 60.3115% | 3,377 |
| Assets per employee ($millions) | 5.1585% | 2,989 |
| Cash dividends to net income (ytd only)* | 19.3498% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2802% | 295 |
| Loan loss allowance to noncurrent loans | 285.4545% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 2,599 |
| Noncurrent loans to loans | 0.7988% | 1,897 |
| Net loans and leases to total assets | 52.1726% | 4,020 |
| Net loans and leases to deposits | 61.6197% | 4,028 |
| Net loans and leases to core deposits | 64.0222% | 4,075 |
| Total domestic deposits to total assets | 84.6688% | 2,513 |
| Equity capital to assets | 14.7205% | 682 |
| Core capital (leverage) ratio | 14.5374% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,052,333 | 4,019 |
| Average earning assets | $93,043,000 | 3,983 |
| Average equity | $14,729,333 | 3,686 |
| Average total loans | $54,852,333 | 4,039 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 1,581 |
| Cost of funding earning assets | 0.6743% | 3,038 |
| Net interest margin | 4.0676% | 1,204 |
| Noninterest income to average assets | 0.6283% | 1,909 |
| Noninterest expense to average assets | 2.6180% | 2,929 |
| Loan and lease loss provision to assets | 0.0126% | 3,622 |
| Net operating income to assets | 1.4535% | 873 |
| Return on assets (ROA) | 1.4535% | 944 |
| Pretax return on assets | 1.8640% | 607 |
| Return on Equity (ROE) | 9.5721% | 1,886 |
| Retained earnings to average equity (ytd only) | 8.7997% | 1,026 |
| Net charge-offs to loans | 0.0512% | 1,500 |
| Credit loss provision to net charge-offs | 42.8571% | 2,085 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 773 |
| Efficiency ratio | 58.2479% | 3,966 |
| Assets per employee ($millions) | 4.6091% | 3,120 |
| Cash dividends to net income (ytd only)* | 8.0692% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2920% | 333 |
| Loan loss allowance to noncurrent loans | 217.3310% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,213 |
| Noncurrent loans to loans | 1.0546% | 1,574 |
| Net loans and leases to total assets | 55.2303% | 3,895 |
| Net loans and leases to deposits | 65.4826% | 3,896 |
| Net loans and leases to core deposits | 68.2141% | 3,976 |
| Total domestic deposits to total assets | 84.3436% | 2,651 |
| Equity capital to assets | 15.0851% | 743 |
| Core capital (leverage) ratio | 15.1679% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,494,000 | 4,052 |
| Average earning assets | $90,765,500 | 4,012 |
| Average equity | $14,500,500 | 3,717 |
| Average total loans | $54,737,500 | 4,056 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 1,988 |
| Cost of funding earning assets | 0.6788% | 3,267 |
| Net interest margin | 4.1400% | 1,451 |
| Noninterest income to average assets | 0.6903% | 1,849 |
| Noninterest expense to average assets | 2.9128% | 2,256 |
| Loan and lease loss provision to assets | 0.0052% | 3,905 |
| Net operating income to assets | 1.3513% | 1,499 |
| Return on assets (ROA) | 1.3513% | 1,580 |
| Pretax return on assets | 1.7529% | 1,065 |
| Return on Equity (ROE) | 9.2354% | 2,646 |
| Retained earnings to average equity (ytd only) | 6.2618% | 1,736 |
| Net charge-offs to loans | 0.1004% | 1,724 |
| Credit loss provision to net charge-offs | 9.2593% | 3,360 |
| Earnings coverage of net charge-offs (x) | 31.1296% | 1,543 |
| Efficiency ratio | 62.3601% | 3,315 |
| Assets per employee ($millions) | 4.4856% | 3,245 |
| Cash dividends to net income (ytd only)* | 32.1981% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 291 |
| Loan loss allowance to noncurrent loans | 321.7949% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 2,737 |
| Noncurrent loans to loans | 0.7122% | 2,094 |
| Net loans and leases to total assets | 56.8044% | 3,866 |
| Net loans and leases to deposits | 67.4924% | 3,865 |
| Net loans and leases to core deposits | 70.3858% | 3,941 |
| Total domestic deposits to total assets | 84.1640% | 2,802 |
| Equity capital to assets | 15.2871% | 729 |
| Core capital (leverage) ratio | 14.8303% | 721 |
| Tier 1 risk-based capital ratio | 35.0005% | 329 |
| Total risk-based capital ratio | 36.2744% | 323 |
| Memoranda: | ||
| Average total assets | $95,612,800 | 4,065 |
| Average earning assets | $91,932,600 | 4,015 |
| Average equity | $13,989,600 | 3,753 |
| Average total loans | $53,760,000 | 4,108 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 2,074 |
| Cost of funding earning assets | 0.6665% | 3,366 |
| Net interest margin | 4.1480% | 1,507 |
| Noninterest income to average assets | 0.6905% | 1,824 |
| Noninterest expense to average assets | 2.8245% | 2,500 |
| Loan and lease loss provision to assets | 0.0070% | 3,745 |
| Net operating income to assets | 1.3949% | 1,488 |
| Return on assets (ROA) | 1.3949% | 1,550 |
| Pretax return on assets | 1.8450% | 987 |
| Return on Equity (ROE) | 9.6394% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.4393% | 1,226 |
| Net charge-offs to loans | 0.1146% | 1,333 |
| Credit loss provision to net charge-offs | 10.8696% | 3,003 |
| Earnings coverage of net charge-offs (x) | 28.9791% | 1,664 |
| Efficiency ratio | 60.3981% | 3,564 |
| Assets per employee ($millions) | 4.1595% | 3,681 |
| Cash dividends to net income (ytd only)* | 12.4500% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3455% | 269 |
| Loan loss allowance to noncurrent loans | 407.7170% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 3,247 |
| Noncurrent loans to loans | 0.5753% | 2,576 |
| Net loans and leases to total assets | 55.1830% | 4,094 |
| Net loans and leases to deposits | 65.4367% | 4,100 |
| Net loans and leases to core deposits | 68.2142% | 4,160 |
| Total domestic deposits to total assets | 84.3303% | 2,701 |
| Equity capital to assets | 15.1198% | 820 |
| Core capital (leverage) ratio | 14.9275% | 754 |
| Tier 1 risk-based capital ratio | 35.8878% | 324 |
| Total risk-based capital ratio | 37.1634% | 319 |
| Memoranda: | ||
| Average total assets | $95,966,750 | 4,108 |
| Average earning assets | $92,219,750 | 4,052 |
| Average equity | $13,887,000 | 3,799 |
| Average total loans | $53,509,250 | 4,160 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 2,126 |
| Cost of funding earning assets | 0.6482% | 3,422 |
| Net interest margin | 4.1319% | 1,520 |
| Noninterest income to average assets | 0.6766% | 1,806 |
| Noninterest expense to average assets | 2.7814% | 2,657 |
| Loan and lease loss provision to assets | 0.0042% | 3,639 |
| Net operating income to assets | 1.4094% | 1,412 |
| Return on assets (ROA) | 1.4094% | 1,462 |
| Pretax return on assets | 1.8591% | 915 |
| Return on Equity (ROE) | 9.8873% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.0617% | 1,364 |
| Net charge-offs to loans | 0.1350% | 1,119 |
| Credit loss provision to net charge-offs | 5.5556% | 2,712 |
| Earnings coverage of net charge-offs (x) | 24.8611% | 1,615 |
| Efficiency ratio | 59.8835% | 3,743 |
| Assets per employee ($millions) | 4.1816% | 3,605 |
| Cash dividends to net income (ytd only)* | 18.4638% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3601% | 270 |
| Loan loss allowance to noncurrent loans | 519.2623% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 3,556 |
| Noncurrent loans to loans | 0.4545% | 2,916 |
| Net loans and leases to total assets | 54.5022% | 4,180 |
| Net loans and leases to deposits | 64.3861% | 4,202 |
| Net loans and leases to core deposits | 67.0847% | 4,257 |
| Total domestic deposits to total assets | 84.6490% | 2,619 |
| Equity capital to assets | 14.6513% | 908 |
| Core capital (leverage) ratio | 14.3766% | 860 |
| Tier 1 risk-based capital ratio | 34.6656% | 348 |
| Total risk-based capital ratio | 35.9394% | 342 |
| Memoranda: | ||
| Average total assets | $96,066,000 | 4,127 |
| Average earning assets | $92,258,000 | 4,070 |
| Average equity | $13,694,330 | 3,832 |
| Average total loans | $53,325,330 | 4,191 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 2,167 |
| Cost of funding earning assets | 0.6341% | 3,383 |
| Net interest margin | 4.0824% | 1,601 |
| Noninterest income to average assets | 0.6749% | 1,703 |
| Noninterest expense to average assets | 2.6664% | 3,012 |
| Loan and lease loss provision to assets | 0.0083% | 3,328 |
| Net operating income to assets | 1.4457% | 1,248 |
| Return on assets (ROA) | 1.4457% | 1,276 |
| Pretax return on assets | 1.9164% | 764 |
| Return on Equity (ROE) | 10.2845% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.4547% | 1,179 |
| Net charge-offs to loans | -0.0527% | 4,849 |
| Credit loss provision to net charge-offs | -28.5714% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0762% | 4,066 |
| Assets per employee ($millions) | 4.2224% | 3,593 |
| Cash dividends to net income (ytd only)* | 8.0692% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 244 |
| Loan loss allowance to noncurrent loans | 328.7841% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 2,929 |
| Noncurrent loans to loans | 0.7631% | 2,120 |
| Net loans and leases to total assets | 53.0176% | 4,273 |
| Net loans and leases to deposits | 62.7589% | 4,256 |
| Net loans and leases to core deposits | 65.3600% | 4,306 |
| Total domestic deposits to total assets | 84.4782% | 2,858 |
| Equity capital to assets | 14.1368% | 992 |
| Core capital (leverage) ratio | 14.3517% | 853 |
| Tier 1 risk-based capital ratio | 34.7786% | 330 |
| Total risk-based capital ratio | 36.0562% | 322 |
| Memoranda: | ||
| Average total assets | $96,011,000 | 4,168 |
| Average earning assets | $92,103,000 | 4,109 |
| Average equity | $13,496,000 | 3,872 |
| Average total loans | $53,145,500 | 4,239 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 1,501 |
| Cost of funding earning assets | 0.5134% | 3,265 |
| Net interest margin | 4.3063% | 1,142 |
| Noninterest income to average assets | 0.6738% | 1,949 |
| Noninterest expense to average assets | 2.8675% | 2,457 |
| Loan and lease loss provision to assets | 0.0032% | 4,042 |
| Net operating income to assets | 1.4289% | 1,337 |
| Return on assets (ROA) | 1.4289% | 1,332 |
| Pretax return on assets | 1.9356% | 654 |
| Return on Equity (ROE) | 10.3949% | 2,348 |
| Retained earnings to average equity (ytd only) | 7.1611% | 1,599 |
| Net charge-offs to loans | 0.1091% | 1,653 |
| Credit loss provision to net charge-offs | 5.2632% | 3,442 |
| Earnings coverage of net charge-offs (x) | 31.7544% | 1,533 |
| Efficiency ratio | 59.6612% | 3,920 |
| Assets per employee ($millions) | 4.1264% | 3,708 |
| Cash dividends to net income (ytd only)* | 31.1094% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4608% | 240 |
| Loan loss allowance to noncurrent loans | 392.8358% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 3,086 |
| Noncurrent loans to loans | 0.6264% | 2,413 |
| Net loans and leases to total assets | 54.9612% | 4,215 |
| Net loans and leases to deposits | 64.2310% | 4,244 |
| Net loans and leases to core deposits | 66.9138% | 4,302 |
| Total domestic deposits to total assets | 85.5680% | 2,410 |
| Equity capital to assets | 13.9747% | 979 |
| Core capital (leverage) ratio | 14.0199% | 917 |
| Tier 1 risk-based capital ratio | 33.6587% | 350 |
| Total risk-based capital ratio | 34.9342% | 343 |
| Memoranda: | ||
| Average total assets | $93,357,400 | 4,212 |
| Average earning assets | $89,590,200 | 4,150 |
| Average equity | $12,833,200 | 3,907 |
| Average total loans | $52,236,600 | 4,256 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,414 |
| Cost of funding earning assets | 0.4854% | 3,288 |
| Net interest margin | 4.3195% | 1,078 |
| Noninterest income to average assets | 0.6454% | 2,098 |
| Noninterest expense to average assets | 2.6933% | 2,993 |
| Loan and lease loss provision to assets | 0.0043% | 3,886 |
| Net operating income to assets | 1.5417% | 1,088 |
| Return on assets (ROA) | 1.5417% | 1,087 |
| Pretax return on assets | 2.0952% | 487 |
| Return on Equity (ROE) | 11.2630% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.9638% | 939 |
| Net charge-offs to loans | 0.0565% | 2,007 |
| Credit loss provision to net charge-offs | 13.6364% | 3,046 |
| Earnings coverage of net charge-offs (x) | 66.5513% | 989 |
| Efficiency ratio | 56.1939% | 4,363 |
| Assets per employee ($millions) | 4.2746% | 3,472 |
| Cash dividends to net income (ytd only)* | 11.5349% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 227 |
| Loan loss allowance to noncurrent loans | 485.9712% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 3,455 |
| Noncurrent loans to loans | 0.5243% | 2,810 |
| Net loans and leases to total assets | 54.9441% | 4,299 |
| Net loans and leases to deposits | 64.1067% | 4,324 |
| Net loans and leases to core deposits | 66.8046% | 4,366 |
| Total domestic deposits to total assets | 85.7073% | 2,324 |
| Equity capital to assets | 13.9088% | 989 |
| Core capital (leverage) ratio | 14.2791% | 867 |
| Tier 1 risk-based capital ratio | 35.4111% | 316 |
| Total risk-based capital ratio | 36.6912% | 312 |
| Memoranda: | ||
| Average total assets | $92,970,000 | 4,266 |
| Average earning assets | $89,267,500 | 4,200 |
| Average equity | $12,725,750 | 3,951 |
| Average total loans | $51,926,250 | 4,314 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 1,146 |
| Cost of funding earning assets | 0.4524% | 3,338 |
| Net interest margin | 4.3891% | 870 |
| Noninterest income to average assets | 0.6479% | 2,100 |
| Noninterest expense to average assets | 2.7469% | 2,853 |
| Loan and lease loss provision to assets | 0.0022% | 3,759 |
| Net operating income to assets | 1.5527% | 1,030 |
| Return on assets (ROA) | 1.5527% | 1,033 |
| Pretax return on assets | 2.1099% | 481 |
| Return on Equity (ROE) | 11.4058% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.4228% | 1,090 |
| Net charge-offs to loans | 0.0078% | 2,850 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 179 |
| Efficiency ratio | 56.5333% | 4,413 |
| Assets per employee ($millions) | 4.0980% | 3,731 |
| Cash dividends to net income (ytd only)* | 17.3853% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6392% | 210 |
| Loan loss allowance to noncurrent loans | 467.2355% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,525 |
| Noncurrent loans to loans | 0.5649% | 2,727 |
| Net loans and leases to total assets | 53.5812% | 4,371 |
| Net loans and leases to deposits | 62.3355% | 4,399 |
| Net loans and leases to core deposits | 65.5815% | 4,390 |
| Total domestic deposits to total assets | 85.9562% | 2,301 |
| Equity capital to assets | 13.5770% | 1,072 |
| Core capital (leverage) ratio | 13.8820% | 936 |
| Tier 1 risk-based capital ratio | 35.1171% | 329 |
| Total risk-based capital ratio | 36.3973% | 324 |
| Memoranda: | ||
| Average total assets | $92,613,000 | 4,303 |
| Average earning assets | $88,855,670 | 4,243 |
| Average equity | $12,607,670 | 3,994 |
| Average total loans | $51,561,330 | 4,359 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 540 |
| Cost of funding earning assets | 0.4589% | 3,141 |
| Net interest margin | 4.6938% | 409 |
| Noninterest income to average assets | 0.6362% | 2,095 |
| Noninterest expense to average assets | 2.6190% | 3,280 |
| Loan and lease loss provision to assets | 0.0044% | 3,453 |
| Net operating income to assets | 1.8738% | 480 |
| Return on assets (ROA) | 1.8738% | 485 |
| Pretax return on assets | 2.5144% | 205 |
| Return on Equity (ROE) | 13.7457% | 1,069 |
| Retained earnings to average equity (ytd only) | 12.8506% | 543 |
| Net charge-offs to loans | -0.0467% | 4,941 |
| Credit loss provision to net charge-offs | -16.6667% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9754% | 5,025 |
| Assets per employee ($millions) | 4.0418% | 3,908 |
| Cash dividends to net income (ytd only)* | 6.5116% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6867% | 211 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 3,273 |
| Noncurrent loans to loans | 0.6322% | 2,651 |
| Net loans and leases to total assets | 53.6520% | 4,316 |
| Net loans and leases to deposits | 62.4934% | 4,304 |
| Net loans and leases to core deposits | 65.5452% | 4,340 |
| Total domestic deposits to total assets | 85.8523% | 2,611 |
| Equity capital to assets | 13.6023% | 1,018 |
| Core capital (leverage) ratio | 14.0125% | 874 |
| Tier 1 risk-based capital ratio | 34.7300% | 329 |
| Total risk-based capital ratio | 36.0097% | 327 |
| Memoranda: | ||
| Average total assets | $91,792,000 | 4,375 |
| Average earning assets | $88,030,500 | 4,299 |
| Average equity | $12,513,000 | 4,044 |
| Average total loans | $51,406,000 | 4,411 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 1,126 |
| Cost of funding earning assets | 0.4791% | 2,513 |
| Net interest margin | 4.2488% | 1,086 |
| Noninterest income to average assets | 0.6446% | 2,229 |
| Noninterest expense to average assets | 2.9405% | 2,317 |
| Loan and lease loss provision to assets | 0.0056% | 4,151 |
| Net operating income to assets | 1.1463% | 1,690 |
| Return on assets (ROA) | 1.1485% | 1,717 |
| Pretax return on assets | 1.7717% | 855 |
| Return on Equity (ROE) | 8.3698% | 2,621 |
| Retained earnings to average equity (ytd only) | 4.4759% | 2,464 |
| Net charge-offs to loans | 0.0527% | 2,752 |
| Credit loss provision to net charge-offs | 18.5185% | 3,622 |
| Earnings coverage of net charge-offs (x) | 58.4074% | 970 |
| Efficiency ratio | 62.3717% | 3,885 |
| Assets per employee ($millions) | 3.7759% | 4,319 |
| Cash dividends to net income (ytd only)* | 46.5230% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6572% | 205 |
| Loan loss allowance to noncurrent loans | 397.1014% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 3,164 |
| Noncurrent loans to loans | 0.6691% | 2,540 |
| Net loans and leases to total assets | 55.3828% | 4,241 |
| Net loans and leases to deposits | 64.4622% | 4,293 |
| Net loans and leases to core deposits | 67.6858% | 4,318 |
| Total domestic deposits to total assets | 85.9151% | 2,480 |
| Equity capital to assets | 13.6622% | 1,000 |
| Core capital (leverage) ratio | 13.5723% | 940 |
| Tier 1 risk-based capital ratio | 31.9424% | 392 |
| Total risk-based capital ratio | 33.2196% | 389 |
| Memoranda: | ||
| Average total assets | $88,896,600 | 4,444 |
| Average earning assets | $85,153,800 | 4,375 |
| Average equity | $12,198,600 | 4,110 |
| Average total loans | $51,261,600 | 4,424 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 1,497 |
| Cost of funding earning assets | 0.4797% | 2,433 |
| Net interest margin | 4.0722% | 1,471 |
| Noninterest income to average assets | 0.6481% | 2,220 |
| Noninterest expense to average assets | 2.8395% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1274% | 1,963 |
| Return on assets (ROA) | 1.1304% | 2,017 |
| Pretax return on assets | 1.7151% | 1,083 |
| Return on Equity (ROE) | 8.2283% | 3,008 |
| Retained earnings to average equity (ytd only) | 5.1344% | 2,789 |
| Net charge-offs to loans | 0.0339% | 2,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 87.3226% | 760 |
| Efficiency ratio | 62.4048% | 3,823 |
| Assets per employee ($millions) | 3.8282% | 4,266 |
| Cash dividends to net income (ytd only)* | 37.5998% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 215 |
| Loan loss allowance to noncurrent loans | 335.5231% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,095 |
| Noncurrent loans to loans | 0.7964% | 2,365 |
| Net loans and leases to total assets | 54.6666% | 4,356 |
| Net loans and leases to deposits | 63.4527% | 4,417 |
| Net loans and leases to core deposits | 66.5712% | 4,447 |
| Total domestic deposits to total assets | 86.1532% | 2,248 |
| Equity capital to assets | 13.5137% | 1,153 |
| Core capital (leverage) ratio | 13.6905% | 967 |
| Tier 1 risk-based capital ratio | 32.9071% | 388 |
| Total risk-based capital ratio | 34.1884% | 377 |
| Memoranda: | ||
| Average total assets | $88,465,250 | 4,495 |
| Average earning assets | $84,768,500 | 4,424 |
| Average equity | $12,153,000 | 4,150 |
| Average total loans | $51,187,250 | 4,468 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 1,407 |
| Cost of funding earning assets | 0.4830% | 2,304 |
| Net interest margin | 4.0599% | 1,431 |
| Noninterest income to average assets | 0.6413% | 2,246 |
| Noninterest expense to average assets | 2.8925% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0856% | 2,056 |
| Return on assets (ROA) | 1.0901% | 2,081 |
| Pretax return on assets | 1.6444% | 1,212 |
| Return on Equity (ROE) | 7.8904% | 3,098 |
| Retained earnings to average equity (ytd only) | 3.2158% | 3,801 |
| Net charge-offs to loans | 0.0901% | 1,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 31.0870% | 1,436 |
| Efficiency ratio | 63.8524% | 3,693 |
| Assets per employee ($millions) | 3.8247% | 4,243 |
| Cash dividends to net income (ytd only)* | 59.2437% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6839% | 227 |
| Loan loss allowance to noncurrent loans | 313.9908% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 2,962 |
| Noncurrent loans to loans | 0.8548% | 2,272 |
| Net loans and leases to total assets | 56.4278% | 4,179 |
| Net loans and leases to deposits | 65.7941% | 4,236 |
| Net loans and leases to core deposits | 69.1862% | 4,282 |
| Total domestic deposits to total assets | 85.7643% | 2,496 |
| Equity capital to assets | 13.8140% | 1,030 |
| Core capital (leverage) ratio | 13.6678% | 949 |
| Tier 1 risk-based capital ratio | 32.4624% | 386 |
| Total risk-based capital ratio | 33.7418% | 374 |
| Memoranda: | ||
| Average total assets | $87,328,000 | 4,537 |
| Average earning assets | $83,646,670 | 4,475 |
| Average equity | $12,065,330 | 4,174 |
| Average total loans | $51,048,000 | 4,497 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 1,380 |
| Cost of funding earning assets | 0.4799% | 2,249 |
| Net interest margin | 4.0165% | 1,430 |
| Noninterest income to average assets | 0.6298% | 2,270 |
| Noninterest expense to average assets | 2.7492% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1493% | 1,670 |
| Return on assets (ROA) | 1.1493% | 1,708 |
| Pretax return on assets | 1.7286% | 942 |
| Return on Equity (ROE) | 8.3181% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.6194% | 1,605 |
| Net charge-offs to loans | 0.0548% | 1,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 53.7143% | 860 |
| Efficiency ratio | 61.3963% | 4,244 |
| Assets per employee ($millions) | 3.8445% | 4,270 |
| Cash dividends to net income (ytd only)* | 8.4000% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7209% | 247 |
| Loan loss allowance to noncurrent loans | 217.4254% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 2,388 |
| Noncurrent loans to loans | 1.2514% | 1,615 |
| Net loans and leases to total assets | 56.0001% | 4,168 |
| Net loans and leases to deposits | 65.3121% | 4,225 |
| Net loans and leases to core deposits | 68.3946% | 4,267 |
| Total domestic deposits to total assets | 85.7424% | 2,778 |
| Equity capital to assets | 13.7453% | 989 |
| Core capital (leverage) ratio | 14.0380% | 832 |
| Tier 1 risk-based capital ratio | 32.5210% | 398 |
| Total risk-based capital ratio | 33.8016% | 386 |
| Memoranda: | ||
| Average total assets | $87,007,500 | 4,586 |
| Average earning assets | $83,357,000 | 4,518 |
| Average equity | $12,022,000 | 4,211 |
| Average total loans | $51,068,000 | 4,526 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7197% | 1,027 |
| Cost of funding earning assets | 0.5494% | 1,695 |
| Net interest margin | 4.1703% | 1,185 |
| Noninterest income to average assets | 0.6566% | 2,387 |
| Noninterest expense to average assets | 3.0525% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0991% | 1,909 |
| Return on assets (ROA) | 1.0991% | 2,001 |
| Pretax return on assets | 1.6008% | 1,274 |
| Return on Equity (ROE) | 7.8564% | 3,023 |
| Retained earnings to average equity (ytd only) | 4.6766% | 2,563 |
| Net charge-offs to loans | -0.5089% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5988% | 3,662 |
| Assets per employee ($millions) | 3.7214% | 4,445 |
| Cash dividends to net income (ytd only)* | 40.4736% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7169% | 246 |
| Loan loss allowance to noncurrent loans | 199.4269% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 2,194 |
| Noncurrent loans to loans | 1.3624% | 1,503 |
| Net loans and leases to total assets | 58.2321% | 4,048 |
| Net loans and leases to deposits | 67.9231% | 4,087 |
| Net loans and leases to core deposits | 70.9515% | 4,156 |
| Total domestic deposits to total assets | 85.7323% | 2,708 |
| Equity capital to assets | 13.8915% | 925 |
| Core capital (leverage) ratio | 13.7830% | 875 |
| Tier 1 risk-based capital ratio | 31.2987% | 431 |
| Total risk-based capital ratio | 32.5788% | 423 |
| Memoranda: | ||
| Average total assets | $84,521,200 | 4,635 |
| Average earning assets | $81,000,800 | 4,569 |
| Average equity | $11,824,800 | 4,273 |
| Average total loans | $50,700,400 | 4,560 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 1,105 |
| Cost of funding earning assets | 0.5578% | 1,626 |
| Net interest margin | 4.1243% | 1,328 |
| Noninterest income to average assets | 0.6583% | 2,369 |
| Noninterest expense to average assets | 3.0368% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0286% | 2,299 |
| Return on assets (ROA) | 1.0286% | 2,423 |
| Pretax return on assets | 1.5762% | 1,446 |
| Return on Equity (ROE) | 7.3392% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.9842% | 2,192 |
| Net charge-offs to loans | -0.0343% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8319% | 3,618 |
| Assets per employee ($millions) | 3.7516% | 4,388 |
| Cash dividends to net income (ytd only)* | 18.4619% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2664% | 458 |
| Loan loss allowance to noncurrent loans | 148.5751% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 2,324 |
| Noncurrent loans to loans | 1.5254% | 1,421 |
| Net loans and leases to total assets | 57.3233% | 4,163 |
| Net loans and leases to deposits | 67.0671% | 4,239 |
| Net loans and leases to core deposits | 70.0178% | 4,323 |
| Total domestic deposits to total assets | 85.4716% | 2,615 |
| Equity capital to assets | 14.0359% | 1,016 |
| Core capital (leverage) ratio | 13.8037% | 906 |
| Tier 1 risk-based capital ratio | 31.5750% | 427 |
| Total risk-based capital ratio | 32.8475% | 417 |
| Memoranda: | ||
| Average total assets | $84,253,500 | 4,677 |
| Average earning assets | $80,787,000 | 4,608 |
| Average equity | $11,808,500 | 4,319 |
| Average total loans | $50,567,000 | 4,597 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 1,068 |
| Cost of funding earning assets | 0.5688% | 1,556 |
| Net interest margin | 4.1210% | 1,320 |
| Noninterest income to average assets | 0.6677% | 2,291 |
| Noninterest expense to average assets | 3.0128% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0529% | 2,158 |
| Return on assets (ROA) | 1.0529% | 2,281 |
| Pretax return on assets | 1.6081% | 1,353 |
| Return on Equity (ROE) | 7.5164% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.4665% | 2,443 |
| Net charge-offs to loans | -0.0198% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1994% | 3,809 |
| Assets per employee ($millions) | 3.6436% | 4,524 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2493% | 507 |
| Loan loss allowance to noncurrent loans | 253.1111% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 3,423 |
| Noncurrent loans to loans | 0.8886% | 2,512 |
| Net loans and leases to total assets | 59.0671% | 4,002 |
| Net loans and leases to deposits | 69.3987% | 4,042 |
| Net loans and leases to core deposits | 72.2828% | 4,146 |
| Total domestic deposits to total assets | 85.1127% | 2,823 |
| Equity capital to assets | 14.2358% | 949 |
| Core capital (leverage) ratio | 13.6732% | 918 |
| Tier 1 risk-based capital ratio | 31.4779% | 436 |
| Total risk-based capital ratio | 32.7505% | 429 |
| Memoranda: | ||
| Average total assets | $83,576,000 | 4,728 |
| Average earning assets | $80,175,000 | 4,659 |
| Average equity | $11,707,670 | 4,363 |
| Average total loans | $50,553,000 | 4,624 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 1,102 |
| Cost of funding earning assets | 0.5694% | 1,546 |
| Net interest margin | 4.1060% | 1,325 |
| Noninterest income to average assets | 0.6901% | 2,089 |
| Noninterest expense to average assets | 2.8564% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1550% | 1,693 |
| Return on assets (ROA) | 1.1550% | 1,810 |
| Pretax return on assets | 1.7733% | 892 |
| Return on Equity (ROE) | 8.3129% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.5885% | 1,626 |
| Net charge-offs to loans | -0.0713% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6977% | 4,486 |
| Assets per employee ($millions) | 3.6647% | 4,531 |
| Cash dividends to net income (ytd only)* | 8.7137% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2739% | 536 |
| Loan loss allowance to noncurrent loans | 237.6299% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 3,352 |
| Noncurrent loans to loans | 0.9569% | 2,463 |
| Net loans and leases to total assets | 58.2806% | 4,012 |
| Net loans and leases to deposits | 68.2368% | 4,032 |
| Net loans and leases to core deposits | 71.0393% | 4,153 |
| Total domestic deposits to total assets | 85.4094% | 2,949 |
| Equity capital to assets | 13.9428% | 1,005 |
| Core capital (leverage) ratio | 13.9125% | 834 |
| Tier 1 risk-based capital ratio | 31.7797% | 437 |
| Total risk-based capital ratio | 33.0536% | 432 |
| Memoranda: | ||
| Average total assets | $83,462,500 | 4,775 |
| Average earning assets | $80,077,500 | 4,703 |
| Average equity | $11,596,500 | 4,401 |
| Average total loans | $50,510,000 | 4,656 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 854 |
| Cost of funding earning assets | 0.6158% | 1,277 |
| Net interest margin | 4.2304% | 1,098 |
| Noninterest income to average assets | 0.6571% | 2,423 |
| Noninterest expense to average assets | 3.0725% | 2,317 |
| Loan and lease loss provision to assets | 0.0037% | 4,322 |
| Net operating income to assets | 1.0672% | 2,054 |
| Return on assets (ROA) | 1.0672% | 2,129 |
| Pretax return on assets | 1.6354% | 1,149 |
| Return on Equity (ROE) | 7.7791% | 3,086 |
| Retained earnings to average equity (ytd only) | 4.8520% | 2,524 |
| Net charge-offs to loans | -0.0593% | 5,608 |
| Credit loss provision to net charge-offs | -10.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2118% | 4,044 |
| Assets per employee ($millions) | 3.4433% | 4,914 |
| Cash dividends to net income (ytd only)* | 37.6283% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2343% | 563 |
| Loan loss allowance to noncurrent loans | 224.1107% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 3,230 |
| Noncurrent loans to loans | 0.9970% | 2,344 |
| Net loans and leases to total assets | 60.0450% | 3,832 |
| Net loans and leases to deposits | 70.1363% | 3,911 |
| Net loans and leases to core deposits | 73.0630% | 4,035 |
| Total domestic deposits to total assets | 85.6119% | 2,810 |
| Equity capital to assets | 13.8447% | 984 |
| Core capital (leverage) ratio | 13.5350% | 952 |
| Tier 1 risk-based capital ratio | 30.9178% | 467 |
| Total risk-based capital ratio | 32.1897% | 464 |
| Memoranda: | ||
| Average total assets | $82,180,400 | 4,822 |
| Average earning assets | $78,762,600 | 4,747 |
| Average equity | $11,273,800 | 4,430 |
| Average total loans | $50,605,600 | 4,650 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 909 |
| Cost of funding earning assets | 0.6219% | 1,262 |
| Net interest margin | 4.1955% | 1,177 |
| Noninterest income to average assets | 0.6515% | 2,471 |
| Noninterest expense to average assets | 3.0300% | 2,431 |
| Loan and lease loss provision to assets | 0.0033% | 4,191 |
| Net operating income to assets | 1.1178% | 1,932 |
| Return on assets (ROA) | 1.1178% | 2,005 |
| Pretax return on assets | 1.6409% | 1,264 |
| Return on Equity (ROE) | 8.1669% | 2,985 |
| Retained earnings to average equity (ytd only) | 6.5881% | 1,895 |
| Net charge-offs to loans | -0.0343% | 5,408 |
| Credit loss provision to net charge-offs | -15.3846% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8245% | 4,099 |
| Assets per employee ($millions) | 3.5794% | 4,650 |
| Cash dividends to net income (ytd only)* | 19.3315% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1808% | 691 |
| Loan loss allowance to noncurrent loans | 175.4717% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 2,964 |
| Noncurrent loans to loans | 1.2428% | 2,055 |
| Net loans and leases to total assets | 60.8039% | 3,760 |
| Net loans and leases to deposits | 71.1233% | 3,857 |
| Net loans and leases to core deposits | 74.1084% | 4,006 |
| Total domestic deposits to total assets | 85.4908% | 2,785 |
| Equity capital to assets | 14.0015% | 1,020 |
| Core capital (leverage) ratio | 13.6555% | 957 |
| Tier 1 risk-based capital ratio | 30.1903% | 512 |
| Total risk-based capital ratio | 31.4607% | 504 |
| Memoranda: | ||
| Average total assets | $82,066,000 | 4,882 |
| Average earning assets | $78,686,250 | 4,807 |
| Average equity | $11,232,000 | 4,491 |
| Average total loans | $50,568,500 | 4,692 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 943 |
| Cost of funding earning assets | 0.6286% | 1,238 |
| Net interest margin | 4.1431% | 1,242 |
| Noninterest income to average assets | 0.6587% | 2,426 |
| Noninterest expense to average assets | 3.0788% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0637% | 2,086 |
| Return on assets (ROA) | 1.0637% | 2,196 |
| Pretax return on assets | 1.5516% | 1,478 |
| Return on Equity (ROE) | 7.8321% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.4429% | 2,573 |
| Net charge-offs to loans | -0.0516% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4910% | 3,922 |
| Assets per employee ($millions) | 3.5773% | 4,663 |
| Cash dividends to net income (ytd only)* | 30.5046% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1930% | 741 |
| Loan loss allowance to noncurrent loans | 241.1255% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 3,739 |
| Noncurrent loans to loans | 0.9095% | 2,850 |
| Net loans and leases to total assets | 60.3848% | 3,775 |
| Net loans and leases to deposits | 70.3530% | 3,889 |
| Net loans and leases to core deposits | 73.5819% | 3,991 |
| Total domestic deposits to total assets | 85.8311% | 2,782 |
| Equity capital to assets | 13.6535% | 1,107 |
| Core capital (leverage) ratio | 13.2654% | 1,065 |
| Tier 1 risk-based capital ratio | 29.1076% | 579 |
| Total risk-based capital ratio | 30.3790% | 574 |
| Memoranda: | ||
| Average total assets | $81,979,000 | 4,937 |
| Average earning assets | $78,589,000 | 4,856 |
| Average equity | $11,133,670 | 4,538 |
| Average total loans | $50,366,670 | 4,740 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,047 |
| Cost of funding earning assets | 0.6324% | 1,220 |
| Net interest margin | 4.0594% | 1,388 |
| Noninterest income to average assets | 0.6404% | 2,447 |
| Noninterest expense to average assets | 3.0405% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0216% | 2,156 |
| Return on assets (ROA) | 1.0216% | 2,304 |
| Pretax return on assets | 1.4909% | 1,592 |
| Return on Equity (ROE) | 7.5427% | 3,198 |
| Retained earnings to average equity (ytd only) | 6.2796% | 2,341 |
| Net charge-offs to loans | -0.0718% | 5,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0982% | 3,974 |
| Assets per employee ($millions) | 3.5661% | 4,790 |
| Cash dividends to net income (ytd only)* | 16.7464% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2342% | 771 |
| Loan loss allowance to noncurrent loans | 330.3571% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 4,390 |
| Noncurrent loans to loans | 0.6763% | 3,593 |
| Net loans and leases to total assets | 59.2209% | 3,766 |
| Net loans and leases to deposits | 69.0988% | 3,847 |
| Net loans and leases to core deposits | 71.9003% | 3,977 |
| Total domestic deposits to total assets | 85.7047% | 3,095 |
| Equity capital to assets | 13.6772% | 1,102 |
| Core capital (leverage) ratio | 13.2624% | 1,064 |
| Tier 1 risk-based capital ratio | 29.3738% | 574 |
| Total risk-based capital ratio | 30.6451% | 562 |
| Memoranda: | ||
| Average total assets | $81,829,000 | 4,992 |
| Average earning assets | $78,435,500 | 4,908 |
| Average equity | $11,083,500 | 4,583 |
| Average total loans | $50,151,000 | 4,780 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 963 |
| Cost of funding earning assets | 0.7486% | 849 |
| Net interest margin | 4.1283% | 1,494 |
| Noninterest income to average assets | 0.7442% | 2,105 |
| Noninterest expense to average assets | 3.1203% | 2,452 |
| Loan and lease loss provision to assets | 0.0037% | 4,530 |
| Net operating income to assets | 1.1126% | 1,935 |
| Return on assets (ROA) | 1.1126% | 1,984 |
| Pretax return on assets | 1.5676% | 1,329 |
| Return on Equity (ROE) | 8.3838% | 2,925 |
| Retained earnings to average equity (ytd only) | 1.4625% | 5,108 |
| Net charge-offs to loans | -0.0445% | 5,889 |
| Credit loss provision to net charge-offs | -13.6364% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5086% | 4,149 |
| Assets per employee ($millions) | 3.5495% | 4,822 |
| Cash dividends to net income (ytd only)* | 82.5556% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1751% | 849 |
| Loan loss allowance to noncurrent loans | 257.2430% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 4,051 |
| Noncurrent loans to loans | 0.8455% | 3,200 |
| Net loans and leases to total assets | 60.6556% | 3,700 |
| Net loans and leases to deposits | 70.4532% | 3,847 |
| Net loans and leases to core deposits | 72.7457% | 4,053 |
| Total domestic deposits to total assets | 86.0935% | 2,784 |
| Equity capital to assets | 13.4116% | 1,190 |
| Core capital (leverage) ratio | 13.0661% | 1,113 |
| Tier 1 risk-based capital ratio | 29.1560% | 553 |
| Total risk-based capital ratio | 30.4274% | 539 |
| Memoranda: | ||
| Average total assets | $80,889,200 | 5,044 |
| Average earning assets | $77,344,600 | 4,944 |
| Average equity | $10,735,000 | 4,613 |
| Average total loans | $49,466,200 | 4,837 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 995 |
| Cost of funding earning assets | 0.7768% | 777 |
| Net interest margin | 4.0918% | 1,600 |
| Noninterest income to average assets | 0.7567% | 2,066 |
| Noninterest expense to average assets | 3.0581% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1102% | 1,986 |
| Return on assets (ROA) | 1.1102% | 2,049 |
| Pretax return on assets | 1.6059% | 1,309 |
| Return on Equity (ROE) | 8.3881% | 2,992 |
| Retained earnings to average equity (ytd only) | 1.5853% | 5,249 |
| Net charge-offs to loans | -0.0488% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5685% | 4,283 |
| Assets per employee ($millions) | 3.5573% | 4,759 |
| Cash dividends to net income (ytd only)* | 81.1011% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 999 |
| Loan loss allowance to noncurrent loans | 397.8182% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 4,926 |
| Noncurrent loans to loans | 0.5438% | 4,294 |
| Net loans and leases to total assets | 60.4725% | 3,709 |
| Net loans and leases to deposits | 70.1696% | 3,902 |
| Net loans and leases to core deposits | 72.2401% | 4,131 |
| Total domestic deposits to total assets | 86.1805% | 2,769 |
| Equity capital to assets | 13.3209% | 1,270 |
| Core capital (leverage) ratio | 13.1772% | 1,109 |
| Tier 1 risk-based capital ratio | 28.7700% | 595 |
| Total risk-based capital ratio | 30.0418% | 585 |
| Memoranda: | ||
| Average total assets | $80,702,000 | 5,101 |
| Average earning assets | $77,063,000 | 5,006 |
| Average equity | $10,681,500 | 4,652 |
| Average total loans | $49,178,000 | 4,894 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 1,049 |
| Cost of funding earning assets | 0.7934% | 737 |
| Net interest margin | 4.0192% | 1,762 |
| Noninterest income to average assets | 0.7345% | 2,116 |
| Noninterest expense to average assets | 3.0947% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0183% | 2,252 |
| Return on assets (ROA) | 1.0183% | 2,320 |
| Pretax return on assets | 1.4864% | 1,576 |
| Return on Equity (ROE) | 7.7104% | 3,253 |
| Retained earnings to average equity (ytd only) | -2.5639% | 6,056 |
| Net charge-offs to loans | -0.0164% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5543% | 4,100 |
| Assets per employee ($millions) | 3.2815% | 5,288 |
| Cash dividends to net income (ytd only)* | 133.2518% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 1,043 |
| Loan loss allowance to noncurrent loans | 341.7722% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,865 |
| Noncurrent loans to loans | 0.6408% | 4,102 |
| Net loans and leases to total assets | 58.7959% | 3,889 |
| Net loans and leases to deposits | 68.2461% | 4,023 |
| Net loans and leases to core deposits | 70.5510% | 4,213 |
| Total domestic deposits to total assets | 86.1528% | 2,968 |
| Equity capital to assets | 12.9964% | 1,372 |
| Core capital (leverage) ratio | 12.8796% | 1,208 |
| Tier 1 risk-based capital ratio | 28.9233% | 583 |
| Total risk-based capital ratio | 30.1952% | 569 |
| Memoranda: | ||
| Average total assets | $80,329,670 | 5,154 |
| Average earning assets | $76,881,000 | 5,047 |
| Average equity | $10,609,000 | 4,681 |
| Average total loans | $48,713,330 | 4,945 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 1,012 |
| Cost of funding earning assets | 0.8144% | 695 |
| Net interest margin | 4.0038% | 1,747 |
| Noninterest income to average assets | 0.6744% | 2,324 |
| Noninterest expense to average assets | 3.0248% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0267% | 2,098 |
| Return on assets (ROA) | 1.0267% | 2,170 |
| Pretax return on assets | 1.4847% | 1,474 |
| Return on Equity (ROE) | 7.7108% | 3,086 |
| Retained earnings to average equity (ytd only) | -9.1850% | 6,329 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0759% | 4,350 |
| Assets per employee ($millions) | 3.2198% | 5,497 |
| Cash dividends to net income (ytd only)* | 219.1176% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 1,140 |
| Loan loss allowance to noncurrent loans | 203.0189% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 4,145 |
| Noncurrent loans to loans | 1.0897% | 3,238 |
| Net loans and leases to total assets | 59.0857% | 3,687 |
| Net loans and leases to deposits | 68.3849% | 3,821 |
| Net loans and leases to core deposits | 70.7290% | 4,012 |
| Total domestic deposits to total assets | 86.4016% | 3,158 |
| Equity capital to assets | 13.0219% | 1,295 |
| Core capital (leverage) ratio | 13.0216% | 1,152 |
| Tier 1 risk-based capital ratio | 29.3868% | 552 |
| Total risk-based capital ratio | 30.6583% | 544 |
| Memoranda: | ||
| Average total assets | $79,475,500 | 5,216 |
| Average earning assets | $76,127,000 | 5,108 |
| Average equity | $10,582,500 | 4,707 |
| Average total loans | $48,412,500 | 4,991 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 1,044 |
| Cost of funding earning assets | 0.8898% | 782 |
| Net interest margin | 4.0365% | 1,847 |
| Noninterest income to average assets | 0.7372% | 2,347 |
| Noninterest expense to average assets | 3.0317% | 2,963 |
| Loan and lease loss provision to assets | 0.0025% | 5,058 |
| Net operating income to assets | 1.1202% | 1,869 |
| Return on assets (ROA) | 1.1202% | 1,931 |
| Pretax return on assets | 1.5485% | 1,304 |
| Return on Equity (ROE) | 8.2734% | 2,896 |
| Retained earnings to average equity (ytd only) | 3.3019% | 3,884 |
| Net charge-offs to loans | -0.0185% | 6,124 |
| Credit loss provision to net charge-offs | -22.2222% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1551% | 4,531 |
| Assets per employee ($millions) | 3.1382% | 5,604 |
| Cash dividends to net income (ytd only)* | 60.0897% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2329% | 1,135 |
| Loan loss allowance to noncurrent loans | 212.2288% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 4,297 |
| Noncurrent loans to loans | 1.0521% | 3,409 |
| Net loans and leases to total assets | 60.0489% | 3,713 |
| Net loans and leases to deposits | 69.8701% | 3,800 |
| Net loans and leases to core deposits | 72.0631% | 4,058 |
| Total domestic deposits to total assets | 85.9437% | 3,286 |
| Equity capital to assets | 13.6165% | 1,029 |
| Core capital (leverage) ratio | 13.1411% | 1,085 |
| Tier 1 risk-based capital ratio | 30.4537% | 483 |
| Total risk-based capital ratio | 31.7266% | 479 |
| Memoranda: | ||
| Average total assets | $79,626,200 | 5,246 |
| Average earning assets | $75,857,600 | 5,160 |
| Average equity | $10,781,600 | 4,682 |
| Average total loans | $48,691,000 | 5,012 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 1,100 |
| Cost of funding earning assets | 0.8977% | 823 |
| Net interest margin | 4.0134% | 1,899 |
| Noninterest income to average assets | 0.7374% | 2,426 |
| Noninterest expense to average assets | 2.9362% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0877% | 2,055 |
| Return on assets (ROA) | 1.0877% | 2,132 |
| Pretax return on assets | 1.6199% | 1,294 |
| Return on Equity (ROE) | 8.0445% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.4899% | 2,140 |
| Net charge-offs to loans | -0.0301% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4453% | 4,732 |
| Assets per employee ($millions) | 3.3556% | 5,174 |
| Cash dividends to net income (ytd only)* | 19.3257% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2119% | 1,309 |
| Loan loss allowance to noncurrent loans | 185.8377% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 4,306 |
| Noncurrent loans to loans | 1.1903% | 3,439 |
| Net loans and leases to total assets | 59.0662% | 3,844 |
| Net loans and leases to deposits | 68.7771% | 3,963 |
| Net loans and leases to core deposits | 71.1589% | 4,195 |
| Total domestic deposits to total assets | 85.8807% | 3,331 |
| Equity capital to assets | 13.5755% | 1,087 |
| Core capital (leverage) ratio | 13.4305% | 1,054 |
| Tier 1 risk-based capital ratio | 30.6832% | 486 |
| Total risk-based capital ratio | 31.9567% | 483 |
| Memoranda: | ||
| Average total assets | $79,918,750 | 5,287 |
| Average earning assets | $76,043,750 | 5,197 |
| Average equity | $10,806,250 | 4,731 |
| Average total loans | $48,816,750 | 5,054 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 1,103 |
| Cost of funding earning assets | 0.9126% | 842 |
| Net interest margin | 3.9855% | 1,914 |
| Noninterest income to average assets | 0.7226% | 2,537 |
| Noninterest expense to average assets | 2.9079% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0839% | 1,977 |
| Return on assets (ROA) | 1.0839% | 2,092 |
| Pretax return on assets | 1.6058% | 1,359 |
| Return on Equity (ROE) | 8.0268% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.6856% | 2,618 |
| Net charge-offs to loans | -0.0491% | 6,261 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4247% | 4,804 |
| Assets per employee ($millions) | 3.1960% | 5,489 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2167% | 1,391 |
| Loan loss allowance to noncurrent loans | 241.4798% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 4,856 |
| Noncurrent loans to loans | 0.9180% | 4,091 |
| Net loans and leases to total assets | 59.4613% | 3,753 |
| Net loans and leases to deposits | 69.0809% | 3,849 |
| Net loans and leases to core deposits | 71.4819% | 4,112 |
| Total domestic deposits to total assets | 86.0749% | 3,318 |
| Equity capital to assets | 13.3919% | 1,186 |
| Core capital (leverage) ratio | 13.0741% | 1,133 |
| Tier 1 risk-based capital ratio | 30.1744% | 512 |
| Total risk-based capital ratio | 31.4474% | 506 |
| Memoranda: | ||
| Average total assets | $79,713,330 | 5,325 |
| Average earning assets | $75,824,330 | 5,230 |
| Average equity | $10,764,000 | 4,775 |
| Average total loans | $48,874,000 | 5,072 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 1,067 |
| Cost of funding earning assets | 0.9453% | 800 |
| Net interest margin | 3.9609% | 1,917 |
| Noninterest income to average assets | 0.6732% | 2,736 |
| Noninterest expense to average assets | 2.8636% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0600% | 1,992 |
| Return on assets (ROA) | 1.0600% | 2,109 |
| Pretax return on assets | 1.5775% | 1,357 |
| Return on Equity (ROE) | 7.8177% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.0026% | 2,147 |
| Net charge-offs to loans | -0.0898% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4796% | 4,925 |
| Assets per employee ($millions) | 3.2113% | 5,603 |
| Cash dividends to net income (ytd only)* | 10.4265% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 1,551 |
| Loan loss allowance to noncurrent loans | 225.1046% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 4,894 |
| Noncurrent loans to loans | 0.9855% | 4,160 |
| Net loans and leases to total assets | 59.0723% | 3,592 |
| Net loans and leases to deposits | 68.8346% | 3,661 |
| Net loans and leases to core deposits | 71.2183% | 3,931 |
| Total domestic deposits to total assets | 85.8177% | 3,624 |
| Equity capital to assets | 13.5458% | 1,195 |
| Core capital (leverage) ratio | 13.1493% | 1,056 |
| Tier 1 risk-based capital ratio | 29.9156% | 538 |
| Total risk-based capital ratio | 31.1890% | 525 |
| Memoranda: | ||
| Average total assets | $79,620,500 | 5,373 |
| Average earning assets | $75,740,500 | 5,277 |
| Average equity | $10,796,000 | 4,812 |
| Average total loans | $49,018,000 | 5,092 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 1,158 |
| Cost of funding earning assets | 1.0779% | 993 |
| Net interest margin | 4.1008% | 1,999 |
| Noninterest income to average assets | 0.7824% | 2,341 |
| Noninterest expense to average assets | 2.9860% | 3,329 |
| Loan and lease loss provision to assets | 0.0381% | 5,403 |
| Net operating income to assets | 1.1482% | 1,774 |
| Return on assets (ROA) | 1.1482% | 1,946 |
| Pretax return on assets | 1.6626% | 1,235 |
| Return on Equity (ROE) | 8.6140% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.3932% | 2,449 |
| Net charge-offs to loans | -0.0493% | 6,705 |
| Credit loss provision to net charge-offs | -125.0000% | 6,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7127% | 4,940 |
| Assets per employee ($millions) | 3.2899% | 5,436 |
| Cash dividends to net income (ytd only)* | 37.3894% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,648 |
| Loan loss allowance to noncurrent loans | 229.7414% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 5,007 |
| Noncurrent loans to loans | 0.9367% | 4,314 |
| Net loans and leases to total assets | 61.3858% | 3,359 |
| Net loans and leases to deposits | 71.4966% | 3,496 |
| Net loans and leases to core deposits | 73.7227% | 3,816 |
| Total domestic deposits to total assets | 85.8583% | 3,420 |
| Equity capital to assets | 13.5730% | 1,203 |
| Core capital (leverage) ratio | 12.8345% | 1,185 |
| Tier 1 risk-based capital ratio | 28.6035% | 585 |
| Total risk-based capital ratio | 29.8743% | 572 |
| Memoranda: | ||
| Average total assets | $78,734,400 | 5,390 |
| Average earning assets | $74,961,600 | 5,281 |
| Average equity | $10,494,600 | 4,868 |
| Average total loans | $48,708,000 | 5,154 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 1,219 |
| Cost of funding earning assets | 1.0938% | 1,084 |
| Net interest margin | 4.0978% | 2,100 |
| Noninterest income to average assets | 0.7846% | 2,308 |
| Noninterest expense to average assets | 2.9232% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1828% | 1,798 |
| Return on assets (ROA) | 1.1828% | 1,980 |
| Pretax return on assets | 1.7658% | 1,134 |
| Return on Equity (ROE) | 8.9150% | 2,844 |
| Retained earnings to average equity (ytd only) | 7.2675% | 1,965 |
| Net charge-offs to loans | -0.0440% | 6,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3419% | 5,097 |
| Assets per employee ($millions) | 3.3137% | 5,413 |
| Cash dividends to net income (ytd only)* | 18.4819% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 1,969 |
| Loan loss allowance to noncurrent loans | 226.4317% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 5,241 |
| Noncurrent loans to loans | 0.9157% | 4,602 |
| Net loans and leases to total assets | 61.0507% | 3,562 |
| Net loans and leases to deposits | 71.2036% | 3,719 |
| Net loans and leases to core deposits | 73.5418% | 4,041 |
| Total domestic deposits to total assets | 85.7411% | 3,393 |
| Equity capital to assets | 13.5510% | 1,328 |
| Core capital (leverage) ratio | 12.9560% | 1,205 |
| Tier 1 risk-based capital ratio | 28.2482% | 633 |
| Total risk-based capital ratio | 29.5167% | 617 |
| Memoranda: | ||
| Average total assets | $78,678,500 | 5,442 |
| Average earning assets | $74,965,000 | 5,326 |
| Average equity | $10,439,000 | 4,929 |
| Average total loans | $48,501,250 | 5,222 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 1,272 |
| Cost of funding earning assets | 1.1029% | 1,209 |
| Net interest margin | 4.0905% | 2,129 |
| Noninterest income to average assets | 0.7858% | 2,261 |
| Noninterest expense to average assets | 2.9721% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1531% | 1,870 |
| Return on assets (ROA) | 1.1531% | 2,081 |
| Pretax return on assets | 1.7118% | 1,224 |
| Return on Equity (ROE) | 8.7543% | 2,915 |
| Retained earnings to average equity (ytd only) | 6.2559% | 2,531 |
| Net charge-offs to loans | -0.0457% | 6,639 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4532% | 4,994 |
| Assets per employee ($millions) | 3.2551% | 5,545 |
| Cash dividends to net income (ytd only)* | 28.5398% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 2,010 |
| Loan loss allowance to noncurrent loans | 281.0440% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 5,604 |
| Noncurrent loans to loans | 0.7460% | 5,016 |
| Net loans and leases to total assets | 61.1467% | 3,601 |
| Net loans and leases to deposits | 71.2481% | 3,731 |
| Net loans and leases to core deposits | 73.6256% | 4,077 |
| Total domestic deposits to total assets | 85.8222% | 3,441 |
| Equity capital to assets | 13.4482% | 1,321 |
| Core capital (leverage) ratio | 12.7516% | 1,236 |
| Tier 1 risk-based capital ratio | 27.8452% | 652 |
| Total risk-based capital ratio | 29.1154% | 634 |
| Memoranda: | ||
| Average total assets | $78,395,000 | 5,484 |
| Average earning assets | $74,709,670 | 5,373 |
| Average equity | $10,326,330 | 4,959 |
| Average total loans | $48,141,330 | 5,263 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 1,353 |
| Cost of funding earning assets | 1.1218% | 1,290 |
| Net interest margin | 4.0599% | 2,258 |
| Noninterest income to average assets | 0.7487% | 2,406 |
| Noninterest expense to average assets | 2.9491% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0951% | 2,109 |
| Return on assets (ROA) | 1.0951% | 2,304 |
| Pretax return on assets | 1.6707% | 1,376 |
| Return on Equity (ROE) | 8.4013% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.6589% | 2,104 |
| Net charge-offs to loans | -0.1589% | 6,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8368% | 4,949 |
| Assets per employee ($millions) | 3.3024% | 5,562 |
| Cash dividends to net income (ytd only)* | 8.8372% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1672% | 1,953 |
| Loan loss allowance to noncurrent loans | 261.6751% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 5,621 |
| Noncurrent loans to loans | 0.8282% | 5,016 |
| Net loans and leases to total assets | 58.7234% | 3,915 |
| Net loans and leases to deposits | 68.1071% | 4,041 |
| Net loans and leases to core deposits | 70.3321% | 4,363 |
| Total domestic deposits to total assets | 86.2222% | 3,402 |
| Equity capital to assets | 13.0397% | 1,421 |
| Core capital (leverage) ratio | 12.6107% | 1,289 |
| Tier 1 risk-based capital ratio | 28.2559% | 621 |
| Total risk-based capital ratio | 29.5270% | 609 |
| Memoranda: | ||
| Average total assets | $78,531,500 | 5,526 |
| Average earning assets | $74,879,000 | 5,407 |
| Average equity | $10,236,500 | 4,989 |
| Average total loans | $47,816,000 | 5,308 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 1,110 |
| Cost of funding earning assets | 1.2694% | 1,632 |
| Net interest margin | 4.2557% | 1,854 |
| Noninterest income to average assets | 0.8519% | 1,837 |
| Noninterest expense to average assets | 3.1450% | 3,046 |
| Loan and lease loss provision to assets | 0.0200% | 6,318 |
| Net operating income to assets | 1.2172% | 1,471 |
| Return on assets (ROA) | 1.2172% | 1,574 |
| Pretax return on assets | 1.7318% | 922 |
| Return on Equity (ROE) | 9.3276% | 2,313 |
| Retained earnings to average equity (ytd only) | 6.0685% | 1,981 |
| Net charge-offs to loans | 0.0150% | 6,230 |
| Credit loss provision to net charge-offs | 214.2857% | 1,137 |
| Earnings coverage of net charge-offs (x) | 187.7143% | 184 |
| Efficiency ratio | 64.2254% | 5,088 |
| Assets per employee ($millions) | 3.2419% | 5,628 |
| Cash dividends to net income (ytd only)* | 34.9398% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 1,985 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 5,780 |
| Noncurrent loans to loans | 0.7657% | 5,161 |
| Net loans and leases to total assets | 60.4666% | 3,903 |
| Net loans and leases to deposits | 70.1854% | 4,063 |
| Net loans and leases to core deposits | 72.5313% | 4,435 |
| Total domestic deposits to total assets | 86.1526% | 3,229 |
| Equity capital to assets | 13.0300% | 1,469 |
| Core capital (leverage) ratio | 12.4197% | 1,381 |
| Tier 1 risk-based capital ratio | 26.9416% | 713 |
| Total risk-based capital ratio | 28.2117% | 684 |
| Memoranda: | ||
| Average total assets | $75,007,600 | 5,608 |
| Average earning assets | $71,292,600 | 5,495 |
| Average equity | $9,788,200 | 5,076 |
| Average total loans | $46,761,800 | 5,392 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5702% | 1,100 |
| Cost of funding earning assets | 1.2886% | 1,769 |
| Net interest margin | 4.2816% | 1,785 |
| Noninterest income to average assets | 0.8613% | 1,794 |
| Noninterest expense to average assets | 3.0880% | 3,209 |
| Loan and lease loss provision to assets | 0.0036% | 6,370 |
| Net operating income to assets | 1.2452% | 1,532 |
| Return on assets (ROA) | 1.2452% | 1,634 |
| Pretax return on assets | 1.8356% | 895 |
| Return on Equity (ROE) | 9.5385% | 2,372 |
| Retained earnings to average equity (ytd only) | 8.0267% | 1,501 |
| Net charge-offs to loans | -0.0115% | 6,799 |
| Credit loss provision to net charge-offs | -50.0000% | 6,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6730% | 5,298 |
| Assets per employee ($millions) | 3.1746% | 5,742 |
| Cash dividends to net income (ytd only)* | 15.8498% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1267% | 2,007 |
| Loan loss allowance to noncurrent loans | 218.6147% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,609 |
| Noncurrent loans to loans | 0.9728% | 4,944 |
| Net loans and leases to total assets | 61.0067% | 3,941 |
| Net loans and leases to deposits | 71.1295% | 4,118 |
| Net loans and leases to core deposits | 73.5075% | 4,524 |
| Total domestic deposits to total assets | 85.7685% | 3,345 |
| Equity capital to assets | 13.3574% | 1,436 |
| Core capital (leverage) ratio | 12.8677% | 1,270 |
| Tier 1 risk-based capital ratio | 27.4355% | 702 |
| Total risk-based capital ratio | 28.7047% | 686 |
| Memoranda: | ||
| Average total assets | $74,308,250 | 5,670 |
| Average earning assets | $70,564,250 | 5,565 |
| Average equity | $9,700,750 | 5,124 |
| Average total loans | $46,437,750 | 5,455 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5813% | 1,103 |
| Cost of funding earning assets | 1.3144% | 1,855 |
| Net interest margin | 4.2669% | 1,781 |
| Noninterest income to average assets | 0.8659% | 1,754 |
| Noninterest expense to average assets | 3.1460% | 3,094 |
| Loan and lease loss provision to assets | 0.0054% | 6,184 |
| Net operating income to assets | 1.1971% | 1,581 |
| Return on assets (ROA) | 1.1971% | 1,662 |
| Pretax return on assets | 1.7589% | 946 |
| Return on Equity (ROE) | 9.2433% | 2,416 |
| Retained earnings to average equity (ytd only) | 6.9377% | 1,908 |
| Net charge-offs to loans | -0.0304% | 6,923 |
| Credit loss provision to net charge-offs | -28.5714% | 6,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0685% | 5,223 |
| Assets per employee ($millions) | 3.1042% | 5,872 |
| Cash dividends to net income (ytd only)* | 24.9433% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1573% | 2,001 |
| Loan loss allowance to noncurrent loans | 226.1161% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 5,716 |
| Noncurrent loans to loans | 0.9541% | 5,079 |
| Net loans and leases to total assets | 61.6685% | 3,954 |
| Net loans and leases to deposits | 71.6337% | 4,174 |
| Net loans and leases to core deposits | 73.6561% | 4,621 |
| Total domestic deposits to total assets | 86.0886% | 3,277 |
| Equity capital to assets | 13.1517% | 1,447 |
| Core capital (leverage) ratio | 12.4775% | 1,367 |
| Tier 1 risk-based capital ratio | 26.6631% | 747 |
| Total risk-based capital ratio | 27.9326% | 733 |
| Memoranda: | ||
| Average total assets | $73,681,000 | 5,729 |
| Average earning assets | $69,840,330 | 5,636 |
| Average equity | $9,542,000 | 5,173 |
| Average total loans | $46,086,670 | 5,518 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5510% | 1,174 |
| Cost of funding earning assets | 1.3272% | 2,026 |
| Net interest margin | 4.2239% | 1,823 |
| Noninterest income to average assets | 0.8516% | 1,846 |
| Noninterest expense to average assets | 3.1281% | 3,148 |
| Loan and lease loss provision to assets | 0.0109% | 5,772 |
| Net operating income to assets | 1.1246% | 1,754 |
| Return on assets (ROA) | 1.1246% | 1,797 |
| Pretax return on assets | 1.7087% | 968 |
| Return on Equity (ROE) | 8.7529% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.5405% | 1,541 |
| Net charge-offs to loans | -0.0263% | 6,664 |
| Credit loss provision to net charge-offs | -66.6667% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5270% | 5,270 |
| Assets per employee ($millions) | 2.9727% | 6,192 |
| Cash dividends to net income (ytd only)* | 2.4272% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2131% | 1,931 |
| Loan loss allowance to noncurrent loans | 192.9254% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 5,526 |
| Noncurrent loans to loans | 1.1471% | 4,778 |
| Net loans and leases to total assets | 59.9917% | 4,260 |
| Net loans and leases to deposits | 69.3720% | 4,453 |
| Net loans and leases to core deposits | 71.3230% | 4,885 |
| Total domestic deposits to total assets | 86.4782% | 3,250 |
| Equity capital to assets | 12.8221% | 1,461 |
| Core capital (leverage) ratio | 12.6194% | 1,277 |
| Tier 1 risk-based capital ratio | 26.9930% | 707 |
| Total risk-based capital ratio | 28.2642% | 690 |
| Memoranda: | ||
| Average total assets | $73,271,500 | 5,779 |
| Average earning assets | $69,320,500 | 5,694 |
| Average equity | $9,414,000 | 5,200 |
| Average total loans | $45,652,000 | 5,581 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 1,423 |
| Cost of funding earning assets | 1.4085% | 3,206 |
| Net interest margin | 4.3363% | 1,695 |
| Noninterest income to average assets | 0.8477% | 2,068 |
| Noninterest expense to average assets | 3.1985% | 3,099 |
| Loan and lease loss provision to assets | 0.0797% | 6,359 |
| Net operating income to assets | 1.1335% | 1,598 |
| Return on assets (ROA) | 1.1335% | 1,676 |
| Pretax return on assets | 1.6597% | 1,025 |
| Return on Equity (ROE) | 8.8763% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.1746% | 2,924 |
| Net charge-offs to loans | 0.1198% | 5,688 |
| Credit loss provision to net charge-offs | 109.4340% | 4,029 |
| Earnings coverage of net charge-offs (x) | 23.8868% | 886 |
| Efficiency ratio | 64.7746% | 5,205 |
| Assets per employee ($millions) | 3.1403% | 5,791 |
| Cash dividends to net income (ytd only)* | 52.9697% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1964% | 1,876 |
| Loan loss allowance to noncurrent loans | 211.8143% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 5,692 |
| Noncurrent loans to loans | 1.0369% | 4,996 |
| Net loans and leases to total assets | 61.8988% | 4,308 |
| Net loans and leases to deposits | 71.5484% | 4,599 |
| Net loans and leases to core deposits | 73.6160% | 5,026 |
| Total domestic deposits to total assets | 86.5132% | 3,070 |
| Equity capital to assets | 12.8749% | 1,450 |
| Core capital (leverage) ratio | 12.3458% | 1,376 |
| Tier 1 risk-based capital ratio | 25.7084% | 785 |
| Total risk-based capital ratio | 26.9774% | 758 |
| Memoranda: | ||
| Average total assets | $72,783,200 | 5,791 |
| Average earning assets | $68,653,200 | 5,713 |
| Average equity | $9,294,400 | 5,328 |
| Average total loans | $44,255,600 | 5,736 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 1,585 |
| Cost of funding earning assets | 1.4126% | 3,504 |
| Net interest margin | 4.3252% | 1,758 |
| Noninterest income to average assets | 0.8301% | 2,083 |
| Noninterest expense to average assets | 3.1393% | 3,145 |
| Loan and lease loss provision to assets | 0.0091% | 6,932 |
| Net operating income to assets | 1.3384% | 1,259 |
| Return on assets (ROA) | 1.3384% | 1,335 |
| Pretax return on assets | 1.7571% | 1,002 |
| Return on Equity (ROE) | 10.5020% | 1,934 |
| Retained earnings to average equity (ytd only) | 7.3313% | 1,680 |
| Net charge-offs to loans | 0.1397% | 5,185 |
| Credit loss provision to net charge-offs | 10.8696% | 6,332 |
| Earnings coverage of net charge-offs (x) | 21.0007% | 1,147 |
| Efficiency ratio | 63.9955% | 5,238 |
| Assets per employee ($millions) | 3.1845% | 5,715 |
| Cash dividends to net income (ytd only)* | 30.1912% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1518% | 1,888 |
| Loan loss allowance to noncurrent loans | 185.6589% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 5,681 |
| Noncurrent loans to loans | 1.1590% | 4,927 |
| Net loans and leases to total assets | 59.4752% | 5,008 |
| Net loans and leases to deposits | 69.0813% | 5,263 |
| Net loans and leases to core deposits | 71.0659% | 5,633 |
| Total domestic deposits to total assets | 86.0944% | 3,024 |
| Equity capital to assets | 13.2120% | 1,491 |
| Core capital (leverage) ratio | 12.5019% | 1,407 |
| Tier 1 risk-based capital ratio | 26.0591% | 768 |
| Total risk-based capital ratio | 27.3281% | 754 |
| Memoranda: | ||
| Average total assets | $72,922,500 | 5,856 |
| Average earning assets | $68,712,750 | 5,781 |
| Average equity | $9,293,250 | 5,405 |
| Average total loans | $43,891,750 | 5,834 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7324% | 1,637 |
| Cost of funding earning assets | 1.4098% | 3,812 |
| Net interest margin | 4.3227% | 1,695 |
| Noninterest income to average assets | 0.8103% | 2,067 |
| Noninterest expense to average assets | 3.1477% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3376% | 1,222 |
| Return on assets (ROA) | 1.3376% | 1,295 |
| Pretax return on assets | 1.7304% | 1,000 |
| Return on Equity (ROE) | 10.6270% | 1,880 |
| Retained earnings to average equity (ytd only) | 8.2267% | 1,358 |
| Net charge-offs to loans | 0.1236% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,108 |
| Efficiency ratio | 64.5270% | 5,239 |
| Assets per employee ($millions) | 3.1393% | 5,817 |
| Cash dividends to net income (ytd only)* | 22.5873% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2180% | 1,727 |
| Loan loss allowance to noncurrent loans | 202.9228% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 5,800 |
| Noncurrent loans to loans | 1.0930% | 5,136 |
| Net loans and leases to total assets | 59.3471% | 5,188 |
| Net loans and leases to deposits | 68.7773% | 5,444 |
| Net loans and leases to core deposits | 70.7755% | 5,802 |
| Total domestic deposits to total assets | 86.2888% | 2,931 |
| Equity capital to assets | 13.0671% | 1,544 |
| Core capital (leverage) ratio | 12.3473% | 1,474 |
| Tier 1 risk-based capital ratio | 26.0236% | 768 |
| Total risk-based capital ratio | 27.2924% | 759 |
| Memoranda: | ||
| Average total assets | $72,815,330 | 5,898 |
| Average earning assets | $68,522,670 | 5,811 |
| Average equity | $9,165,330 | 5,452 |
| Average total loans | $43,682,330 | 5,879 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6790% | 1,858 |
| Cost of funding earning assets | 1.4096% | 4,118 |
| Net interest margin | 4.2694% | 1,786 |
| Noninterest income to average assets | 0.7549% | 2,271 |
| Noninterest expense to average assets | 3.1236% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2746% | 1,349 |
| Return on assets (ROA) | 1.2746% | 1,421 |
| Pretax return on assets | 1.6411% | 1,183 |
| Return on Equity (ROE) | 10.3206% | 2,000 |
| Retained earnings to average equity (ytd only) | 10.1434% | 1,108 |
| Net charge-offs to loans | 0.0550% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 579 |
| Efficiency ratio | 65.5568% | 5,211 |
| Assets per employee ($millions) | 3.0908% | 6,016 |
| Cash dividends to net income (ytd only)* | 1.7167% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2971% | 1,580 |
| Loan loss allowance to noncurrent loans | 154.1925% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8682% | 5,424 |
| Noncurrent loans to loans | 1.4898% | 4,511 |
| Net loans and leases to total assets | 56.9374% | 5,618 |
| Net loans and leases to deposits | 65.3955% | 5,889 |
| Net loans and leases to core deposits | 66.7684% | 6,229 |
| Total domestic deposits to total assets | 87.0662% | 2,598 |
| Equity capital to assets | 12.3150% | 1,864 |
| Core capital (leverage) ratio | 12.0973% | 1,599 |
| Tier 1 risk-based capital ratio | 25.1459% | 847 |
| Total risk-based capital ratio | 26.4149% | 827 |
| Memoranda: | ||
| Average total assets | $73,121,000 | 5,957 |
| Average earning assets | $68,674,000 | 5,885 |
| Average equity | $9,030,500 | 5,540 |
| Average total loans | $43,612,000 | 5,955 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9703% | 1,989 |
| Cost of funding earning assets | 1.5708% | 5,178 |
| Net interest margin | 4.3995% | 1,431 |
| Noninterest income to average assets | 0.8640% | 2,119 |
| Noninterest expense to average assets | 3.1935% | 3,400 |
| Loan and lease loss provision to assets | 0.0809% | 6,798 |
| Net operating income to assets | 1.3052% | 1,021 |
| Return on assets (ROA) | 1.3052% | 1,066 |
| Pretax return on assets | 1.7379% | 720 |
| Return on Equity (ROE) | 10.5635% | 1,534 |
| Retained earnings to average equity (ytd only) | 4.5814% | 2,048 |
| Net charge-offs to loans | 0.0263% | 6,880 |
| Credit loss provision to net charge-offs | 518.1818% | 592 |
| Earnings coverage of net charge-offs (x) | 116.5455% | 244 |
| Efficiency ratio | 63.7136% | 5,825 |
| Assets per employee ($millions) | 3.0027% | 6,217 |
| Cash dividends to net income (ytd only)* | 56.6304% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2707% | 1,534 |
| Loan loss allowance to noncurrent loans | 227.5626% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,929 |
| Noncurrent loans to loans | 0.9978% | 5,319 |
| Net loans and leases to total assets | 59.6650% | 5,385 |
| Net loans and leases to deposits | 68.6053% | 5,763 |
| Net loans and leases to core deposits | 80.2138% | 6,072 |
| Total domestic deposits to total assets | 86.9685% | 2,530 |
| Equity capital to assets | 12.3862% | 1,803 |
| Core capital (leverage) ratio | 11.8822% | 1,715 |
| Tier 1 risk-based capital ratio | 25.0391% | 841 |
| Total risk-based capital ratio | 26.3102% | 814 |
| Memoranda: | ||
| Average total assets | $70,487,000 | 5,985 |
| Average earning assets | $66,462,200 | 5,920 |
| Average equity | $8,709,200 | 5,696 |
| Average total loans | $41,761,400 | 6,023 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9401% | 2,273 |
| Cost of funding earning assets | 1.5816% | 5,483 |
| Net interest margin | 4.3585% | 1,567 |
| Noninterest income to average assets | 0.8693% | 2,106 |
| Noninterest expense to average assets | 3.1900% | 3,332 |
| Loan and lease loss provision to assets | 0.0133% | 7,197 |
| Net operating income to assets | 1.2402% | 1,374 |
| Return on assets (ROA) | 1.2402% | 1,439 |
| Pretax return on assets | 1.7862% | 824 |
| Return on Equity (ROE) | 10.0440% | 1,894 |
| Retained earnings to average equity (ytd only) | 5.1145% | 2,419 |
| Net charge-offs to loans | 0.0324% | 6,439 |
| Credit loss provision to net charge-offs | 70.0000% | 5,982 |
| Earnings coverage of net charge-offs (x) | 94.6212% | 375 |
| Efficiency ratio | 63.9344% | 5,769 |
| Assets per employee ($millions) | 3.0706% | 5,985 |
| Cash dividends to net income (ytd only)* | 49.0803% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1951% | 1,430 |
| Loan loss allowance to noncurrent loans | 210.1770% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 5,917 |
| Noncurrent loans to loans | 1.0444% | 5,229 |
| Net loans and leases to total assets | 57.4375% | 5,973 |
| Net loans and leases to deposits | 66.1954% | 6,291 |
| Net loans and leases to core deposits | 77.2973% | 6,541 |
| Total domestic deposits to total assets | 86.7696% | 2,295 |
| Equity capital to assets | 12.2629% | 2,090 |
| Core capital (leverage) ratio | 11.9069% | 1,843 |
| Tier 1 risk-based capital ratio | 25.0255% | 899 |
| Total risk-based capital ratio | 26.2911% | 871 |
| Memoranda: | ||
| Average total assets | $70,092,750 | 6,040 |
| Average earning assets | $66,260,000 | 5,958 |
| Average equity | $8,655,000 | 5,769 |
| Average total loans | $41,202,750 | 6,096 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0239% | 2,081 |
| Cost of funding earning assets | 1.6177% | 5,678 |
| Net interest margin | 4.4062% | 1,396 |
| Noninterest income to average assets | 0.8303% | 2,271 |
| Noninterest expense to average assets | 3.1818% | 3,385 |
| Loan and lease loss provision to assets | 0.0058% | 7,132 |
| Net operating income to assets | 1.2541% | 1,346 |
| Return on assets (ROA) | 1.2541% | 1,421 |
| Pretax return on assets | 1.7941% | 859 |
| Return on Equity (ROE) | 10.1317% | 1,978 |
| Retained earnings to average equity (ytd only) | 4.9720% | 2,527 |
| Net charge-offs to loans | 0.0247% | 6,142 |
| Credit loss provision to net charge-offs | 40.0000% | 5,902 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 314 |
| Efficiency ratio | 63.8695% | 5,942 |
| Assets per employee ($millions) | 2.9402% | 6,293 |
| Cash dividends to net income (ytd only)* | 50.9259% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3111% | 1,090 |
| Loan loss allowance to noncurrent loans | 185.1852% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 5,593 |
| Noncurrent loans to loans | 1.2480% | 4,711 |
| Net loans and leases to total assets | 56.9072% | 6,098 |
| Net loans and leases to deposits | 65.3389% | 6,451 |
| Net loans and leases to core deposits | 76.3306% | 6,651 |
| Total domestic deposits to total assets | 87.0954% | 2,203 |
| Equity capital to assets | 12.1776% | 2,110 |
| Core capital (leverage) ratio | 11.9619% | 1,850 |
| Tier 1 risk-based capital ratio | 25.6564% | 885 |
| Total risk-based capital ratio | 26.9268% | 863 |
| Memoranda: | ||
| Average total assets | $68,892,330 | 6,113 |
| Average earning assets | $64,908,330 | 6,050 |
| Average equity | $8,527,670 | 5,837 |
| Average total loans | $40,511,000 | 6,180 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9551% | 2,543 |
| Cost of funding earning assets | 1.6286% | 5,908 |
| Net interest margin | 4.3264% | 1,529 |
| Noninterest income to average assets | 0.8405% | 2,121 |
| Noninterest expense to average assets | 2.9681% | 3,900 |
| Loan and lease loss provision to assets | 0.0118% | 6,694 |
| Net operating income to assets | 1.2754% | 1,444 |
| Return on assets (ROA) | 1.2754% | 1,543 |
| Pretax return on assets | 1.9513% | 721 |
| Return on Equity (ROE) | 10.2178% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.9823% | 1,203 |
| Net charge-offs to loans | 0.0398% | 4,942 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 504 |
| Efficiency ratio | 60.1907% | 6,377 |
| Assets per employee ($millions) | 3.0516% | 6,020 |
| Cash dividends to net income (ytd only)* | 2.3041% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 891 |
| Loan loss allowance to noncurrent loans | 200.2105% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 5,466 |
| Noncurrent loans to loans | 1.1787% | 4,618 |
| Net loans and leases to total assets | 56.0588% | 6,231 |
| Net loans and leases to deposits | 64.4752% | 6,509 |
| Net loans and leases to core deposits | 75.2558% | 6,733 |
| Total domestic deposits to total assets | 86.9463% | 2,244 |
| Equity capital to assets | 12.3299% | 2,064 |
| Core capital (leverage) ratio | 12.3665% | 1,737 |
| Tier 1 risk-based capital ratio | 26.0867% | 886 |
| Total risk-based capital ratio | 27.3568% | 869 |
| Memoranda: | ||
| Average total assets | $68,056,500 | 6,177 |
| Average earning assets | $64,348,500 | 6,092 |
| Average equity | $8,495,000 | 5,881 |
| Average total loans | $40,213,500 | 6,230 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4215% | 3,310 |
| Cost of funding earning assets | 1.8877% | 6,765 |
| Net interest margin | 4.5337% | 1,343 |
| Noninterest income to average assets | 0.9678% | 1,698 |
| Noninterest expense to average assets | 3.2103% | 3,298 |
| Loan and lease loss provision to assets | 0.0122% | 7,216 |
| Net operating income to assets | 1.4014% | 1,224 |
| Return on assets (ROA) | 1.4014% | 1,180 |
| Pretax return on assets | 2.0166% | 578 |
| Return on Equity (ROE) | 11.4510% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.4219% | 1,009 |
| Net charge-offs to loans | 0.0079% | 6,827 |
| Credit loss provision to net charge-offs | 266.6667% | 1,733 |
| Earnings coverage of net charge-offs (x) | 443.0000% | 116 |
| Efficiency ratio | 61.2762% | 6,112 |
| Assets per employee ($millions) | 2.8663% | 6,397 |
| Cash dividends to net income (ytd only)* | 35.1852% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 779 |
| Loan loss allowance to noncurrent loans | 191.3655% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 4,954 |
| Noncurrent loans to loans | 1.2410% | 4,038 |
| Net loans and leases to total assets | 59.4257% | 5,991 |
| Net loans and leases to deposits | 68.4889% | 6,419 |
| Net loans and leases to core deposits | 80.3186% | 6,594 |
| Total domestic deposits to total assets | 86.7670% | 2,056 |
| Equity capital to assets | 12.6445% | 1,947 |
| Core capital (leverage) ratio | 12.3374% | 1,812 |
| Tier 1 risk-based capital ratio | 26.0417% | 897 |
| Total risk-based capital ratio | 27.3138% | 876 |
| Memoranda: | ||
| Average total assets | $65,507,200 | 6,175 |
| Average earning assets | $61,715,000 | 6,097 |
| Average equity | $8,016,800 | 6,082 |
| Average total loans | $37,845,000 | 6,276 |