Home > Community Bank of the South > Performance and Condition Ratios
Community Bank of the South, 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 | 4.2590% | 3,506 |
| Cost of funding earning assets | 1.2114% | 2,771 |
| Net interest margin | 3.0475% | 3,183 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.6396% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1001% | 1,921 |
| Return on assets (ROA) | 1.1001% | 1,890 |
| Pretax return on assets | 1.4571% | 1,517 |
| Return on Equity (ROE) | 17.7400% | 856 |
| Retained earnings to average equity (ytd only) | 6.3417% | 2,118 |
| Net charge-offs to loans | -0.0875% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.9456% | 3,757 |
| Assets per employee ($millions) | 13.1367% | 318 |
| Cash dividends to net income (ytd only)* | 64.2452% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 1,245 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 28.3400% | 4,329 |
| Net loans and leases to deposits | 30.8888% | 4,349 |
| Net loans and leases to core deposits | 37.9002% | 4,320 |
| Total domestic deposits to total assets | 91.7400% | 350 |
| Equity capital to assets | 6.7469% | 4,033 |
| Core capital (leverage) ratio | 9.2087% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0175% | 477 |
| Memoranda: | ||
| Average total assets | $256,528,600 | 2,643 |
| Average earning assets | $244,590,000 | 2,602 |
| Average equity | $15,910,600 | 3,192 |
| Average total loans | $68,535,000 | 3,573 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,588 |
| Cost of funding earning assets | 1.0291% | 2,953 |
| Net interest margin | 3.1077% | 3,128 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.6355% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1549% | 1,913 |
| Return on assets (ROA) | 1.1549% | 1,896 |
| Pretax return on assets | 1.5343% | 1,498 |
| Return on Equity (ROE) | 19.0200% | 817 |
| Retained earnings to average equity (ytd only) | 11.8973% | 989 |
| Net charge-offs to loans | -0.0945% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.5961% | 3,788 |
| Assets per employee ($millions) | 13.3702% | 278 |
| Cash dividends to net income (ytd only)* | 37.4609% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,279 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 27.4000% | 4,354 |
| Net loans and leases to deposits | 29.5078% | 4,385 |
| Net loans and leases to core deposits | 35.2036% | 4,338 |
| Total domestic deposits to total assets | 92.8600% | 321 |
| Equity capital to assets | 5.8996% | 4,027 |
| Core capital (leverage) ratio | 9.3675% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2596% | 420 |
| Memoranda: | ||
| Average total assets | $258,261,500 | 2,639 |
| Average earning assets | $246,304,750 | 2,599 |
| Average equity | $15,678,250 | 3,201 |
| Average total loans | $67,729,250 | 3,594 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 3,452 |
| Cost of funding earning assets | 0.8607% | 3,045 |
| Net interest margin | 3.2572% | 2,849 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.6405% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2654% | 1,652 |
| Return on assets (ROA) | 1.2654% | 1,644 |
| Pretax return on assets | 1.6852% | 1,244 |
| Return on Equity (ROE) | 20.6600% | 643 |
| Retained earnings to average equity (ytd only) | 10.1203% | 1,372 |
| Net charge-offs to loans | -0.0959% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.3284% | 3,982 |
| Assets per employee ($millions) | 13.1962% | 288 |
| Cash dividends to net income (ytd only)* | 51.0043% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,159 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 26.1600% | 4,391 |
| Net loans and leases to deposits | 28.3153% | 4,417 |
| Net loans and leases to core deposits | 28.8800% | 4,415 |
| Total domestic deposits to total assets | 92.4000% | 344 |
| Equity capital to assets | 6.4480% | 4,011 |
| Core capital (leverage) ratio | 9.1258% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5487% | 457 |
| Memoranda: | ||
| Average total assets | $259,671,000 | 2,636 |
| Average earning assets | $247,943,667 | 2,595 |
| Average equity | $15,908,667 | 3,198 |
| Average total loans | $66,763,333 | 3,614 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,413 |
| Cost of funding earning assets | 0.6260% | 3,301 |
| Net interest margin | 3.3932% | 2,654 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.6264% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3266% | 1,599 |
| Return on assets (ROA) | 1.3266% | 1,569 |
| Pretax return on assets | 1.7597% | 1,147 |
| Return on Equity (ROE) | 22.2100% | 565 |
| Retained earnings to average equity (ytd only) | 4.7403% | 3,077 |
| Net charge-offs to loans | -0.0957% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.0322% | 4,079 |
| Assets per employee ($millions) | 12.5621% | 343 |
| Cash dividends to net income (ytd only)* | 78.6530% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,298 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 25.9500% | 4,451 |
| Net loans and leases to deposits | 28.1036% | 4,479 |
| Net loans and leases to core deposits | 28.5359% | 4,475 |
| Total domestic deposits to total assets | 92.3400% | 434 |
| Equity capital to assets | 6.3891% | 4,067 |
| Core capital (leverage) ratio | 8.1731% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7143% | 454 |
| Memoranda: | ||
| Average total assets | $264,143,000 | 2,646 |
| Average earning assets | $252,383,500 | 2,605 |
| Average equity | $15,779,500 | 3,234 |
| Average total loans | $66,843,000 | 3,657 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9311% | 4,211 |
| Cost of funding earning assets | 0.0632% | 4,530 |
| Net interest margin | 2.8679% | 3,756 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.5143% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0547% | 2,357 |
| Return on assets (ROA) | 1.0547% | 2,303 |
| Pretax return on assets | 1.3798% | 1,823 |
| Return on Equity (ROE) | 16.7100% | 918 |
| Retained earnings to average equity (ytd only) | 14.9215% | 297 |
| Net charge-offs to loans | -0.0803% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.3233% | 3,952 |
| Assets per employee ($millions) | 13.1926% | 291 |
| Cash dividends to net income (ytd only)* | 10.7143% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,001 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 24.0500% | 4,507 |
| Net loans and leases to deposits | 25.7427% | 4,530 |
| Net loans and leases to core deposits | 26.0956% | 4,527 |
| Total domestic deposits to total assets | 93.4400% | 319 |
| Equity capital to assets | 5.5973% | 4,211 |
| Core capital (leverage) ratio | 7.9047% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9882% | 548 |
| Memoranda: | ||
| Average total assets | $265,470,000 | 2,635 |
| Average earning assets | $254,716,200 | 2,582 |
| Average equity | $16,754,400 | 3,222 |
| Average total loans | $67,238,600 | 3,621 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5999% | 4,392 |
| Cost of funding earning assets | 0.0402% | 4,612 |
| Net interest margin | 2.5597% | 4,152 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.4588% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8820% | 2,956 |
| Return on assets (ROA) | 0.8820% | 2,924 |
| Pretax return on assets | 1.1389% | 2,598 |
| Return on Equity (ROE) | 13.5700% | 1,551 |
| Retained earnings to average equity (ytd only) | 11.2266% | 992 |
| Net charge-offs to loans | -0.0754% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.1572% | 3,614 |
| Assets per employee ($millions) | 14.1866% | 233 |
| Cash dividends to net income (ytd only)* | 17.2712% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,108 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 24.1600% | 4,541 |
| Net loans and leases to deposits | 25.8266% | 4,564 |
| Net loans and leases to core deposits | 26.2414% | 4,558 |
| Total domestic deposits to total assets | 93.5500% | 449 |
| Equity capital to assets | 5.3657% | 4,170 |
| Core capital (leverage) ratio | 7.7371% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6532% | 518 |
| Memoranda: | ||
| Average total assets | $262,576,250 | 2,669 |
| Average earning assets | $252,106,750 | 2,624 |
| Average equity | $17,066,250 | 3,237 |
| Average total loans | $67,173,000 | 3,639 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3262% | 4,502 |
| Cost of funding earning assets | 0.0399% | 4,654 |
| Net interest margin | 2.2863% | 4,346 |
| Noninterest income to average assets | 0.1368% | 4,329 |
| Noninterest expense to average assets | 1.4447% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7155% | 3,257 |
| Return on assets (ROA) | 0.7155% | 3,210 |
| Pretax return on assets | 0.8914% | 3,097 |
| Return on Equity (ROE) | 10.3825% | 2,193 |
| Retained earnings to average equity (ytd only) | 10.3825% | 929 |
| Net charge-offs to loans | -0.0651% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8421% | 3,061 |
| Assets per employee ($millions) | 12.9733% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 25.3860% | 4,572 |
| Net loans and leases to deposits | 27.2295% | 4,598 |
| Net loans and leases to core deposits | 27.6855% | 4,605 |
| Total domestic deposits to total assets | 93.2296% | 458 |
| Equity capital to assets | 5.7395% | 4,290 |
| Core capital (leverage) ratio | 7.7781% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0106% | 421 |
| Memoranda: | ||
| Average total assets | $260,253,333 | 2,706 |
| Average earning assets | $250,363,000 | 2,665 |
| Average equity | $17,934,000 | 3,240 |
| Average total loans | $67,574,000 | 3,662 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9974% | 4,619 |
| Cost of funding earning assets | 0.0398% | 4,659 |
| Net interest margin | 1.9577% | 4,539 |
| Noninterest income to average assets | 0.1335% | 4,347 |
| Noninterest expense to average assets | 1.3919% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5018% | 3,713 |
| Return on assets (ROA) | 0.5018% | 3,677 |
| Pretax return on assets | 0.6307% | 3,548 |
| Return on Equity (ROE) | 6.7232% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.7232% | 1,985 |
| Net charge-offs to loans | -0.0353% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8164% | 2,395 |
| Assets per employee ($millions) | 11.8215% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 26.0758% | 4,560 |
| Net loans and leases to deposits | 28.3412% | 4,592 |
| Net loans and leases to core deposits | 28.8889% | 4,599 |
| Total domestic deposits to total assets | 92.0065% | 575 |
| Equity capital to assets | 7.0842% | 4,169 |
| Core capital (leverage) ratio | 7.7046% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4808% | 357 |
| Memoranda: | ||
| Average total assets | $260,647,000 | 2,714 |
| Average earning assets | $251,523,000 | 2,675 |
| Average equity | $19,455,000 | 3,192 |
| Average total loans | $68,011,500 | 3,657 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4796% | 4,498 |
| Cost of funding earning assets | 0.0573% | 4,655 |
| Net interest margin | 2.4223% | 4,299 |
| Noninterest income to average assets | 0.1722% | 4,292 |
| Noninterest expense to average assets | 1.6747% | 4,332 |
| Loan and lease loss provision to assets | 0.0042% | 2,990 |
| Net operating income to assets | 0.6419% | 3,769 |
| Return on assets (ROA) | 0.6419% | 3,823 |
| Pretax return on assets | 0.8246% | 3,675 |
| Return on Equity (ROE) | 7.5844% | 3,354 |
| Retained earnings to average equity (ytd only) | 5.4858% | 2,571 |
| Net charge-offs to loans | -0.0425% | 4,249 |
| Credit loss provision to net charge-offs | -33.3333% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8948% | 2,137 |
| Assets per employee ($millions) | 12.4391% | 359 |
| Cash dividends to net income (ytd only)* | 27.6693% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 25.4895% | 4,640 |
| Net loans and leases to deposits | 27.9298% | 4,660 |
| Net loans and leases to core deposits | 28.4712% | 4,668 |
| Total domestic deposits to total assets | 91.2630% | 397 |
| Equity capital to assets | 7.8424% | 4,450 |
| Core capital (leverage) ratio | 7.3058% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7289% | 411 |
| Memoranda: | ||
| Average total assets | $239,273,000 | 2,799 |
| Average earning assets | $230,280,400 | 2,743 |
| Average equity | $20,252,200 | 3,192 |
| Average total loans | $70,639,000 | 3,634 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6388% | 4,469 |
| Cost of funding earning assets | 0.0617% | 4,729 |
| Net interest margin | 2.5771% | 4,167 |
| Noninterest income to average assets | 0.1848% | 4,273 |
| Noninterest expense to average assets | 1.6955% | 4,335 |
| Loan and lease loss provision to assets | 0.0056% | 2,865 |
| Net operating income to assets | 0.7454% | 3,664 |
| Return on assets (ROA) | 0.7454% | 3,725 |
| Pretax return on assets | 0.9604% | 3,562 |
| Return on Equity (ROE) | 8.6295% | 3,220 |
| Retained earnings to average equity (ytd only) | 5.8234% | 2,905 |
| Net charge-offs to loans | -0.0411% | 4,266 |
| Credit loss provision to net charge-offs | -45.4545% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7026% | 2,436 |
| Assets per employee ($millions) | 12.1052% | 360 |
| Cash dividends to net income (ytd only)* | 32.5172% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 24.9228% | 4,731 |
| Net loans and leases to deposits | 27.4445% | 4,750 |
| Net loans and leases to core deposits | 27.9168% | 4,759 |
| Total domestic deposits to total assets | 90.8115% | 430 |
| Equity capital to assets | 8.1752% | 4,427 |
| Core capital (leverage) ratio | 7.7463% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9387% | 379 |
| Memoranda: | ||
| Average total assets | $233,786,000 | 2,853 |
| Average earning assets | $224,689,000 | 2,806 |
| Average equity | $20,193,750 | 3,231 |
| Average total loans | $71,450,750 | 3,675 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8545% | 4,282 |
| Cost of funding earning assets | 0.0707% | 4,743 |
| Net interest margin | 2.7839% | 3,818 |
| Noninterest income to average assets | 0.1974% | 4,211 |
| Noninterest expense to average assets | 1.7649% | 4,255 |
| Loan and lease loss provision to assets | 0.0088% | 2,745 |
| Net operating income to assets | 0.8503% | 3,367 |
| Return on assets (ROA) | 0.8503% | 3,442 |
| Pretax return on assets | 1.0970% | 3,225 |
| Return on Equity (ROE) | 9.6511% | 2,886 |
| Retained earnings to average equity (ytd only) | 6.4007% | 2,659 |
| Net charge-offs to loans | -0.0406% | 4,276 |
| Credit loss provision to net charge-offs | -66.6667% | 3,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4794% | 2,803 |
| Assets per employee ($millions) | 11.4876% | 403 |
| Cash dividends to net income (ytd only)* | 33.6788% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 3,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 27.3852% | 4,720 |
| Net loans and leases to deposits | 30.2264% | 4,750 |
| Net loans and leases to core deposits | 30.7761% | 4,763 |
| Total domestic deposits to total assets | 90.6002% | 516 |
| Equity capital to assets | 8.3999% | 4,281 |
| Core capital (leverage) ratio | 7.8830% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8699% | 384 |
| Memoranda: | ||
| Average total assets | $226,978,333 | 2,895 |
| Average earning assets | $217,970,667 | 2,848 |
| Average equity | $19,997,667 | 3,240 |
| Average total loans | $73,882,000 | 3,656 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1277% | 3,834 |
| Cost of funding earning assets | 0.0797% | 4,748 |
| Net interest margin | 3.0480% | 3,132 |
| Noninterest income to average assets | 0.2274% | 4,016 |
| Noninterest expense to average assets | 1.8649% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9952% | 2,819 |
| Return on assets (ROA) | 0.9952% | 2,916 |
| Pretax return on assets | 1.2845% | 2,608 |
| Return on Equity (ROE) | 11.0146% | 2,364 |
| Retained earnings to average equity (ytd only) | 6.8665% | 2,619 |
| Net charge-offs to loans | -0.0362% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2143% | 3,124 |
| Assets per employee ($millions) | 11.0211% | 446 |
| Cash dividends to net income (ytd only)* | 37.6600% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.2183% | 4,625 |
| Net loans and leases to deposits | 35.5843% | 4,689 |
| Net loans and leases to core deposits | 36.4050% | 4,711 |
| Total domestic deposits to total assets | 90.5407% | 569 |
| Equity capital to assets | 8.4509% | 4,152 |
| Core capital (leverage) ratio | 8.6038% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4694% | 245 |
| Memoranda: | ||
| Average total assets | $219,847,500 | 2,929 |
| Average earning assets | $210,761,000 | 2,885 |
| Average equity | $19,864,500 | 3,248 |
| Average total loans | $77,394,500 | 3,613 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 4,009 |
| Cost of funding earning assets | 0.1766% | 4,657 |
| Net interest margin | 3.3332% | 2,976 |
| Noninterest income to average assets | 0.2099% | 4,225 |
| Noninterest expense to average assets | 1.9299% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1205% | 1,839 |
| Return on assets (ROA) | 1.1205% | 1,962 |
| Pretax return on assets | 1.4498% | 1,509 |
| Return on Equity (ROE) | 11.2207% | 1,550 |
| Retained earnings to average equity (ytd only) | 7.8362% | 1,103 |
| Net charge-offs to loans | -0.0428% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1019% | 3,843 |
| Assets per employee ($millions) | 10.4126% | 470 |
| Cash dividends to net income (ytd only)* | 30.1633% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 3,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 37.7807% | 4,530 |
| Net loans and leases to deposits | 42.3333% | 4,590 |
| Net loans and leases to core deposits | 43.8370% | 4,608 |
| Total domestic deposits to total assets | 89.2457% | 877 |
| Equity capital to assets | 9.6854% | 3,427 |
| Core capital (leverage) ratio | 8.8619% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7425% | 293 |
| Memoranda: | ||
| Average total assets | $185,815,000 | 3,054 |
| Average earning assets | $176,704,600 | 3,023 |
| Average equity | $18,555,000 | 3,318 |
| Average total loans | $70,096,800 | 3,730 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 3,672 |
| Cost of funding earning assets | 0.1902% | 4,702 |
| Net interest margin | 3.5646% | 2,381 |
| Noninterest income to average assets | 0.2220% | 4,166 |
| Noninterest expense to average assets | 2.0391% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2023% | 1,629 |
| Return on assets (ROA) | 1.2023% | 1,755 |
| Pretax return on assets | 1.5671% | 1,278 |
| Return on Equity (ROE) | 11.9364% | 1,389 |
| Retained earnings to average equity (ytd only) | 7.3235% | 1,572 |
| Net charge-offs to loans | -0.0433% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5449% | 3,855 |
| Assets per employee ($millions) | 10.0679% | 498 |
| Cash dividends to net income (ytd only)* | 38.6462% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 3,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 39.3384% | 4,583 |
| Net loans and leases to deposits | 44.2866% | 4,648 |
| Net loans and leases to core deposits | 46.1111% | 4,661 |
| Total domestic deposits to total assets | 88.8269% | 849 |
| Equity capital to assets | 9.8452% | 3,386 |
| Core capital (leverage) ratio | 9.0925% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7729% | 314 |
| Memoranda: | ||
| Average total assets | $180,205,750 | 3,086 |
| Average earning assets | $171,085,000 | 3,046 |
| Average equity | $18,151,250 | 3,353 |
| Average total loans | $67,759,250 | 3,795 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,224 |
| Cost of funding earning assets | 0.2147% | 4,719 |
| Net interest margin | 3.8256% | 1,759 |
| Noninterest income to average assets | 0.2356% | 4,063 |
| Noninterest expense to average assets | 2.1056% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2844% | 1,402 |
| Return on assets (ROA) | 1.2844% | 1,517 |
| Pretax return on assets | 1.6494% | 1,105 |
| Return on Equity (ROE) | 12.6409% | 1,179 |
| Retained earnings to average equity (ytd only) | 5.5020% | 2,274 |
| Net charge-offs to loans | -0.0471% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0751% | 3,935 |
| Assets per employee ($millions) | 9.3965% | 608 |
| Cash dividends to net income (ytd only)* | 56.4748% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 4,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 42.6320% | 4,511 |
| Net loans and leases to deposits | 49.2928% | 4,562 |
| Net loans and leases to core deposits | 51.5011% | 4,586 |
| Total domestic deposits to total assets | 86.4873% | 1,810 |
| Equity capital to assets | 9.5710% | 3,589 |
| Core capital (leverage) ratio | 9.3376% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2538% | 484 |
| Memoranda: | ||
| Average total assets | $173,155,000 | 3,136 |
| Average earning assets | $159,297,333 | 3,137 |
| Average equity | $17,593,667 | 3,406 |
| Average total loans | $63,688,333 | 3,878 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,353 |
| Cost of funding earning assets | 0.2606% | 4,749 |
| Net interest margin | 3.4584% | 3,130 |
| Noninterest income to average assets | 0.3179% | 3,613 |
| Noninterest expense to average assets | 2.0836% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1672% | 1,629 |
| Return on assets (ROA) | 1.1672% | 1,742 |
| Pretax return on assets | 1.4975% | 1,314 |
| Return on Equity (ROE) | 11.0931% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.9354% | 3,467 |
| Net charge-offs to loans | -0.0603% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1831% | 3,974 |
| Assets per employee ($millions) | 7.7109% | 827 |
| Cash dividends to net income (ytd only)* | 82.5532% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 32.8496% | 4,849 |
| Net loans and leases to deposits | 37.2722% | 4,888 |
| Net loans and leases to core deposits | 39.3387% | 4,884 |
| Total domestic deposits to total assets | 88.1343% | 1,050 |
| Equity capital to assets | 10.4571% | 3,360 |
| Core capital (leverage) ratio | 10.6294% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8685% | 452 |
| Memoranda: | ||
| Average total assets | $161,069,500 | 3,204 |
| Average earning assets | $151,978,500 | 3,170 |
| Average equity | $16,947,500 | 3,476 |
| Average total loans | $53,093,500 | 4,090 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 3,874 |
| Cost of funding earning assets | 0.3080% | 4,711 |
| Net interest margin | 3.8656% | 2,288 |
| Noninterest income to average assets | 0.2466% | 4,205 |
| Noninterest expense to average assets | 2.1528% | 4,260 |
| Loan and lease loss provision to assets | -0.1278% | 5,093 |
| Net operating income to assets | 1.4012% | 1,339 |
| Return on assets (ROA) | 1.4073% | 1,400 |
| Pretax return on assets | 1.8455% | 846 |
| Return on Equity (ROE) | 13.8381% | 932 |
| Retained earnings to average equity (ytd only) | 11.2753% | 302 |
| Net charge-offs to loans | -0.0946% | 4,947 |
| Credit loss provision to net charge-offs | 408.1633% | 703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7301% | 4,241 |
| Assets per employee ($millions) | 7.6290% | 821 |
| Cash dividends to net income (ytd only)* | 18.5202% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 1,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 4,273 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 32.1509% | 4,933 |
| Net loans and leases to deposits | 36.4999% | 4,969 |
| Net loans and leases to core deposits | 38.9238% | 4,963 |
| Total domestic deposits to total assets | 88.0850% | 1,092 |
| Equity capital to assets | 10.5874% | 3,357 |
| Core capital (leverage) ratio | 10.4236% | 3,043 |
| Tier 1 risk-based capital ratio | 24.1220% | 817 |
| Total risk-based capital ratio | 25.1914% | 815 |
| Memoranda: | ||
| Average total assets | $156,540,600 | 3,229 |
| Average earning assets | $146,444,800 | 3,207 |
| Average equity | $15,919,800 | 3,551 |
| Average total loans | $51,820,800 | 4,146 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 3,784 |
| Cost of funding earning assets | 0.3085% | 4,776 |
| Net interest margin | 3.9510% | 2,102 |
| Noninterest income to average assets | 0.2502% | 4,244 |
| Noninterest expense to average assets | 2.1693% | 4,236 |
| Loan and lease loss provision to assets | -0.1713% | 5,201 |
| Net operating income to assets | 1.4732% | 1,262 |
| Return on assets (ROA) | 1.4813% | 1,297 |
| Pretax return on assets | 1.9491% | 772 |
| Return on Equity (ROE) | 14.7215% | 842 |
| Retained earnings to average equity (ytd only) | 11.2561% | 480 |
| Net charge-offs to loans | -0.1006% | 4,991 |
| Credit loss provision to net charge-offs | 512.8205% | 610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1034% | 4,270 |
| Assets per employee ($millions) | 7.7102% | 768 |
| Cash dividends to net income (ytd only)* | 23.5394% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 4,316 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 32.8960% | 5,003 |
| Net loans and leases to deposits | 37.5019% | 5,041 |
| Net loans and leases to core deposits | 40.7158% | 5,023 |
| Total domestic deposits to total assets | 87.7182% | 1,157 |
| Equity capital to assets | 10.7001% | 3,380 |
| Core capital (leverage) ratio | 10.4429% | 3,154 |
| Tier 1 risk-based capital ratio | 25.1639% | 761 |
| Total risk-based capital ratio | 26.2965% | 754 |
| Memoranda: | ||
| Average total assets | $155,623,250 | 3,270 |
| Average earning assets | $145,207,750 | 3,251 |
| Average equity | $15,659,250 | 3,617 |
| Average total loans | $51,714,000 | 4,195 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 4,576 |
| Cost of funding earning assets | 0.3044% | 4,814 |
| Net interest margin | 3.5829% | 3,321 |
| Noninterest income to average assets | 0.2550% | 4,230 |
| Noninterest expense to average assets | 2.1705% | 4,300 |
| Loan and lease loss provision to assets | -0.2563% | 5,265 |
| Net operating income to assets | 1.2774% | 1,863 |
| Return on assets (ROA) | 1.2774% | 1,922 |
| Pretax return on assets | 1.6733% | 1,329 |
| Return on Equity (ROE) | 12.9657% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.9657% | 306 |
| Net charge-offs to loans | -0.1004% | 4,998 |
| Credit loss provision to net charge-offs | 769.2308% | 432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5000% | 3,652 |
| Assets per employee ($millions) | 7.3673% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 1,477 |
| Loan loss allowance to noncurrent loans | 132.8386% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 2,762 |
| Noncurrent loans to loans | 1.0787% | 1,517 |
| Net loans and leases to total assets | 31.8331% | 5,075 |
| Net loans and leases to deposits | 36.1137% | 5,105 |
| Net loans and leases to core deposits | 39.6557% | 5,085 |
| Total domestic deposits to total assets | 88.1471% | 1,030 |
| Equity capital to assets | 10.3805% | 3,626 |
| Core capital (leverage) ratio | 10.4883% | 3,109 |
| Tier 1 risk-based capital ratio | 25.9566% | 695 |
| Total risk-based capital ratio | 27.1021% | 680 |
| Memoranda: | ||
| Average total assets | $156,096,330 | 3,280 |
| Average earning assets | $145,191,000 | 3,269 |
| Average equity | $15,379,000 | 3,649 |
| Average total loans | $51,800,000 | 4,226 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,736 |
| Cost of funding earning assets | 0.2944% | 4,868 |
| Net interest margin | 3.4841% | 3,637 |
| Noninterest income to average assets | 0.2449% | 4,255 |
| Noninterest expense to average assets | 2.1175% | 4,435 |
| Loan and lease loss provision to assets | -0.5102% | 5,344 |
| Net operating income to assets | 1.4746% | 1,167 |
| Return on assets (ROA) | 1.4746% | 1,193 |
| Pretax return on assets | 1.9287% | 747 |
| Return on Equity (ROE) | 15.3739% | 684 |
| Retained earnings to average equity (ytd only) | 15.3739% | 254 |
| Net charge-offs to loans | -0.0683% | 4,920 |
| Credit loss provision to net charge-offs | 2,222.2222% | 198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8846% | 3,820 |
| Assets per employee ($millions) | 7.8711% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,095 |
| Loan loss allowance to noncurrent loans | 124.8214% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 2,782 |
| Noncurrent loans to loans | 1.0414% | 1,601 |
| Net loans and leases to total assets | 33.7166% | 5,077 |
| Net loans and leases to deposits | 37.9306% | 5,114 |
| Net loans and leases to core deposits | 42.1979% | 5,075 |
| Total domestic deposits to total assets | 88.8903% | 916 |
| Equity capital to assets | 9.7547% | 4,039 |
| Core capital (leverage) ratio | 9.8015% | 3,816 |
| Tier 1 risk-based capital ratio | 24.1407% | 832 |
| Total risk-based capital ratio | 25.2303% | 823 |
| Memoranda: | ||
| Average total assets | $156,788,000 | 3,323 |
| Average earning assets | $148,101,500 | 3,289 |
| Average equity | $15,038,500 | 3,696 |
| Average total loans | $52,717,000 | 4,249 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3180% | 5,068 |
| Cost of funding earning assets | 0.2317% | 4,884 |
| Net interest margin | 3.0863% | 4,674 |
| Noninterest income to average assets | 0.2084% | 4,669 |
| Noninterest expense to average assets | 2.1446% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7348% | 4,026 |
| Return on assets (ROA) | 0.7348% | 4,024 |
| Pretax return on assets | 0.9473% | 3,768 |
| Return on Equity (ROE) | 7.7220% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.7220% | 1,366 |
| Net charge-offs to loans | -0.1173% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3629% | 2,316 |
| Assets per employee ($millions) | 8.2187% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 797 |
| Loan loss allowance to noncurrent loans | 154.7826% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 2,658 |
| Noncurrent loans to loans | 1.1131% | 1,454 |
| Net loans and leases to total assets | 32.5113% | 5,158 |
| Net loans and leases to deposits | 36.4168% | 5,189 |
| Net loans and leases to core deposits | 40.8632% | 5,148 |
| Total domestic deposits to total assets | 89.2754% | 747 |
| Equity capital to assets | 9.4272% | 4,189 |
| Core capital (leverage) ratio | 9.3977% | 4,240 |
| Tier 1 risk-based capital ratio | 24.3461% | 791 |
| Total risk-based capital ratio | 25.5982% | 773 |
| Memoranda: | ||
| Average total assets | $148,745,400 | 3,401 |
| Average earning assets | $138,970,000 | 3,371 |
| Average equity | $14,154,400 | 3,731 |
| Average total loans | $49,426,200 | 4,328 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2217% | 5,185 |
| Cost of funding earning assets | 0.2065% | 4,996 |
| Net interest margin | 3.0152% | 4,826 |
| Noninterest income to average assets | 0.2696% | 4,352 |
| Noninterest expense to average assets | 2.1521% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7198% | 4,166 |
| Return on assets (ROA) | 0.7198% | 4,178 |
| Pretax return on assets | 0.9267% | 3,929 |
| Return on Equity (ROE) | 7.5453% | 3,730 |
| Retained earnings to average equity (ytd only) | 7.5453% | 1,867 |
| Net charge-offs to loans | -0.1037% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8998% | 2,207 |
| Assets per employee ($millions) | 7.9135% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 845 |
| Loan loss allowance to noncurrent loans | 147.2081% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 2,574 |
| Noncurrent loans to loans | 1.1632% | 1,448 |
| Net loans and leases to total assets | 31.5524% | 5,248 |
| Net loans and leases to deposits | 35.2197% | 5,286 |
| Net loans and leases to core deposits | 41.8676% | 5,202 |
| Total domestic deposits to total assets | 89.5874% | 647 |
| Equity capital to assets | 9.0718% | 4,483 |
| Core capital (leverage) ratio | 9.4179% | 4,259 |
| Tier 1 risk-based capital ratio | 24.2215% | 821 |
| Total risk-based capital ratio | 25.4736% | 800 |
| Memoranda: | ||
| Average total assets | $146,893,000 | 3,457 |
| Average earning assets | $136,859,250 | 3,439 |
| Average equity | $14,012,750 | 3,774 |
| Average total loans | $48,868,250 | 4,382 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2041% | 5,223 |
| Cost of funding earning assets | 0.1870% | 5,089 |
| Net interest margin | 3.0172% | 4,853 |
| Noninterest income to average assets | 0.2851% | 4,273 |
| Noninterest expense to average assets | 2.1789% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7002% | 4,191 |
| Return on assets (ROA) | 0.7002% | 4,198 |
| Pretax return on assets | 0.9029% | 3,955 |
| Return on Equity (ROE) | 7.2098% | 3,831 |
| Retained earnings to average equity (ytd only) | 7.2098% | 1,971 |
| Net charge-offs to loans | -0.1078% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7029% | 2,212 |
| Assets per employee ($millions) | 7.0615% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 775 |
| Loan loss allowance to noncurrent loans | 140.4255% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 2,315 |
| Noncurrent loans to loans | 1.2703% | 1,347 |
| Net loans and leases to total assets | 33.4490% | 5,255 |
| Net loans and leases to deposits | 37.7585% | 5,289 |
| Net loans and leases to core deposits | 40.6831% | 5,269 |
| Total domestic deposits to total assets | 88.5867% | 1,101 |
| Equity capital to assets | 9.9894% | 3,633 |
| Core capital (leverage) ratio | 10.0332% | 3,543 |
| Tier 1 risk-based capital ratio | 24.5945% | 777 |
| Total risk-based capital ratio | 25.8480% | 753 |
| Memoranda: | ||
| Average total assets | $143,100,670 | 3,524 |
| Average earning assets | $132,641,330 | 3,519 |
| Average equity | $13,897,670 | 3,808 |
| Average total loans | $48,221,670 | 4,435 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 5,333 |
| Cost of funding earning assets | 0.1714% | 5,156 |
| Net interest margin | 2.8963% | 5,035 |
| Noninterest income to average assets | 0.2999% | 4,155 |
| Noninterest expense to average assets | 2.2133% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6276% | 4,348 |
| Return on assets (ROA) | 0.6276% | 4,357 |
| Pretax return on assets | 0.8081% | 4,125 |
| Return on Equity (ROE) | 6.5543% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.5543% | 2,474 |
| Net charge-offs to loans | -0.0663% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2537% | 2,006 |
| Assets per employee ($millions) | 8.1587% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 900 |
| Loan loss allowance to noncurrent loans | 132.7014% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 2,409 |
| Noncurrent loans to loans | 1.3013% | 1,375 |
| Net loans and leases to total assets | 32.5503% | 5,307 |
| Net loans and leases to deposits | 36.4720% | 5,350 |
| Net loans and leases to core deposits | 39.1380% | 5,325 |
| Total domestic deposits to total assets | 89.2473% | 986 |
| Equity capital to assets | 9.4276% | 4,155 |
| Core capital (leverage) ratio | 9.6054% | 3,957 |
| Tier 1 risk-based capital ratio | 23.6172% | 879 |
| Total risk-based capital ratio | 24.8681% | 859 |
| Memoranda: | ||
| Average total assets | $144,036,000 | 3,546 |
| Average earning assets | $135,343,500 | 3,517 |
| Average equity | $13,792,500 | 3,855 |
| Average total loans | $48,283,500 | 4,481 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0176% | 5,342 |
| Cost of funding earning assets | 0.1676% | 5,173 |
| Net interest margin | 2.8500% | 5,106 |
| Noninterest income to average assets | 0.3431% | 4,010 |
| Noninterest expense to average assets | 2.3356% | 4,241 |
| Loan and lease loss provision to assets | -0.1424% | 5,529 |
| Net operating income to assets | 0.3774% | 4,760 |
| Return on assets (ROA) | 0.3801% | 4,763 |
| Pretax return on assets | 0.8286% | 4,171 |
| Return on Equity (ROE) | 3.9416% | 4,517 |
| Retained earnings to average equity (ytd only) | 3.9416% | 2,836 |
| Net charge-offs to loans | -0.0087% | 4,753 |
| Credit loss provision to net charge-offs | 5,000.0000% | 80 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4003% | 1,437 |
| Assets per employee ($millions) | 7.4324% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 882 |
| Loan loss allowance to noncurrent loans | 127.6074% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 2,263 |
| Noncurrent loans to loans | 1.3605% | 1,280 |
| Net loans and leases to total assets | 33.3482% | 5,359 |
| Net loans and leases to deposits | 37.4685% | 5,402 |
| Net loans and leases to core deposits | 40.5317% | 5,374 |
| Total domestic deposits to total assets | 89.0034% | 1,005 |
| Equity capital to assets | 9.7298% | 3,993 |
| Core capital (leverage) ratio | 9.5759% | 3,942 |
| Tier 1 risk-based capital ratio | 23.0742% | 906 |
| Total risk-based capital ratio | 24.3282% | 887 |
| Memoranda: | ||
| Average total assets | $140,479,400 | 3,608 |
| Average earning assets | $131,826,000 | 3,565 |
| Average equity | $13,547,800 | 3,911 |
| Average total loans | $45,987,200 | 4,569 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9764% | 5,427 |
| Cost of funding earning assets | 0.1681% | 5,209 |
| Net interest margin | 2.8083% | 5,202 |
| Noninterest income to average assets | 0.3431% | 4,083 |
| Noninterest expense to average assets | 2.3407% | 4,186 |
| Loan and lease loss provision to assets | -0.1901% | 5,648 |
| Net operating income to assets | 0.5669% | 4,521 |
| Return on assets (ROA) | 0.5721% | 4,537 |
| Pretax return on assets | 0.8363% | 4,252 |
| Return on Equity (ROE) | 5.9457% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.9457% | 2,280 |
| Net charge-offs to loans | 0.0293% | 2,842 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | 67.2153% | 924 |
| Efficiency ratio | 78.5646% | 1,258 |
| Assets per employee ($millions) | 7.2030% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 775 |
| Loan loss allowance to noncurrent loans | 120.1175% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 2,432 |
| Noncurrent loans to loans | 1.5426% | 1,209 |
| Net loans and leases to total assets | 30.0757% | 5,498 |
| Net loans and leases to deposits | 33.7769% | 5,530 |
| Net loans and leases to core deposits | 36.2949% | 5,521 |
| Total domestic deposits to total assets | 89.0421% | 862 |
| Equity capital to assets | 9.6515% | 4,292 |
| Core capital (leverage) ratio | 9.5094% | 4,153 |
| Tier 1 risk-based capital ratio | 24.4890% | 806 |
| Total risk-based capital ratio | 25.7409% | 785 |
| Memoranda: | ||
| Average total assets | $140,295,250 | 3,645 |
| Average earning assets | $131,700,000 | 3,608 |
| Average equity | $13,499,750 | 3,955 |
| Average total loans | $45,502,750 | 4,625 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9098% | 5,504 |
| Cost of funding earning assets | 0.1731% | 5,184 |
| Net interest margin | 2.7366% | 5,322 |
| Noninterest income to average assets | 0.3423% | 4,101 |
| Noninterest expense to average assets | 2.3921% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3711% | 5,044 |
| Return on assets (ROA) | 0.3711% | 5,069 |
| Pretax return on assets | 0.5193% | 4,975 |
| Return on Equity (ROE) | 3.8608% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.8608% | 3,397 |
| Net charge-offs to loans | -0.1567% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1640% | 991 |
| Assets per employee ($millions) | 7.6057% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 366 |
| Loan loss allowance to noncurrent loans | 152.6542% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 3,162 |
| Noncurrent loans to loans | 1.5171% | 1,237 |
| Net loans and leases to total assets | 31.0562% | 5,524 |
| Net loans and leases to deposits | 34.7490% | 5,560 |
| Net loans and leases to core deposits | 37.6129% | 5,547 |
| Total domestic deposits to total assets | 89.3730% | 776 |
| Equity capital to assets | 9.4119% | 4,502 |
| Core capital (leverage) ratio | 9.6643% | 3,945 |
| Tier 1 risk-based capital ratio | 23.1121% | 936 |
| Total risk-based capital ratio | 24.3664% | 927 |
| Memoranda: | ||
| Average total assets | $139,040,330 | 3,683 |
| Average earning assets | $130,525,330 | 3,636 |
| Average equity | $13,365,000 | 3,984 |
| Average total loans | $45,955,330 | 4,639 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9911% | 5,466 |
| Cost of funding earning assets | 0.1975% | 5,000 |
| Net interest margin | 2.7936% | 5,254 |
| Noninterest income to average assets | 0.3199% | 4,264 |
| Noninterest expense to average assets | 2.6822% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1937% | 5,401 |
| Return on assets (ROA) | 0.1937% | 5,415 |
| Pretax return on assets | 0.2524% | 5,372 |
| Return on Equity (ROE) | 1.9929% | 5,335 |
| Retained earnings to average equity (ytd only) | 1.9929% | 4,338 |
| Net charge-offs to loans | -0.1567% | 5,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4000% | 481 |
| Assets per employee ($millions) | 6.7568% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2721% | 426 |
| Loan loss allowance to noncurrent loans | 148.3688% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 3,150 |
| Noncurrent loans to loans | 1.5314% | 1,288 |
| Net loans and leases to total assets | 33.2934% | 5,491 |
| Net loans and leases to deposits | 37.4395% | 5,538 |
| Net loans and leases to core deposits | 40.7734% | 5,498 |
| Total domestic deposits to total assets | 88.9259% | 1,177 |
| Equity capital to assets | 9.8524% | 3,929 |
| Core capital (leverage) ratio | 9.3455% | 4,283 |
| Tier 1 risk-based capital ratio | 23.0694% | 967 |
| Total risk-based capital ratio | 24.3460% | 949 |
| Memoranda: | ||
| Average total assets | $136,306,000 | 3,750 |
| Average earning assets | $127,578,000 | 3,708 |
| Average equity | $13,247,000 | 4,023 |
| Average total loans | $45,961,500 | 4,677 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9385% | 5,546 |
| Cost of funding earning assets | 0.3578% | 3,434 |
| Net interest margin | 2.5807% | 5,536 |
| Noninterest income to average assets | 0.2530% | 4,906 |
| Noninterest expense to average assets | 2.1081% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4042% | 4,926 |
| Return on assets (ROA) | 0.4042% | 5,012 |
| Pretax return on assets | 0.5547% | 4,913 |
| Return on Equity (ROE) | 4.1861% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.1861% | 2,931 |
| Net charge-offs to loans | -0.1305% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1690% | 1,530 |
| Assets per employee ($millions) | 6.8739% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2403% | 441 |
| Loan loss allowance to noncurrent loans | 140.4372% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 3,144 |
| Noncurrent loans to loans | 1.5953% | 1,238 |
| Net loans and leases to total assets | 32.6295% | 5,583 |
| Net loans and leases to deposits | 38.9369% | 5,577 |
| Net loans and leases to core deposits | 42.5646% | 5,537 |
| Total domestic deposits to total assets | 83.8009% | 3,498 |
| Equity capital to assets | 9.5871% | 4,178 |
| Core capital (leverage) ratio | 9.5881% | 3,980 |
| Tier 1 risk-based capital ratio | 22.2198% | 1,050 |
| Total risk-based capital ratio | 23.4741% | 1,025 |
| Memoranda: | ||
| Average total assets | $135,574,000 | 3,740 |
| Average earning assets | $126,595,800 | 3,713 |
| Average equity | $13,090,800 | 4,081 |
| Average total loans | $42,922,200 | 4,785 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8508% | 5,695 |
| Cost of funding earning assets | 0.3594% | 3,439 |
| Net interest margin | 2.4914% | 5,660 |
| Noninterest income to average assets | 0.2497% | 4,972 |
| Noninterest expense to average assets | 2.1120% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3484% | 5,169 |
| Return on assets (ROA) | 0.3484% | 5,251 |
| Pretax return on assets | 0.4638% | 5,200 |
| Return on Equity (ROE) | 3.6014% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.6014% | 3,732 |
| Net charge-offs to loans | -0.1359% | 5,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9923% | 1,188 |
| Assets per employee ($millions) | 6.4532% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2125% | 502 |
| Loan loss allowance to noncurrent loans | 134.9270% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 3,240 |
| Noncurrent loans to loans | 1.6398% | 1,304 |
| Net loans and leases to total assets | 33.1351% | 5,652 |
| Net loans and leases to deposits | 39.7187% | 5,642 |
| Net loans and leases to core deposits | 44.4400% | 5,569 |
| Total domestic deposits to total assets | 83.4243% | 3,439 |
| Equity capital to assets | 9.8267% | 4,329 |
| Core capital (leverage) ratio | 9.9890% | 3,585 |
| Tier 1 risk-based capital ratio | 23.0913% | 997 |
| Total risk-based capital ratio | 24.3462% | 977 |
| Memoranda: | ||
| Average total assets | $135,098,250 | 3,769 |
| Average earning assets | $126,138,750 | 3,734 |
| Average equity | $13,068,500 | 4,112 |
| Average total loans | $42,181,250 | 4,853 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8091% | 5,798 |
| Cost of funding earning assets | 0.3593% | 3,461 |
| Net interest margin | 2.4498% | 5,772 |
| Noninterest income to average assets | 0.2282% | 5,123 |
| Noninterest expense to average assets | 2.1014% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3157% | 5,275 |
| Return on assets (ROA) | 0.3157% | 5,363 |
| Pretax return on assets | 0.4105% | 5,327 |
| Return on Equity (ROE) | 3.2805% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.2805% | 3,810 |
| Net charge-offs to loans | -0.1466% | 5,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6578% | 1,083 |
| Assets per employee ($millions) | 6.8904% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2829% | 484 |
| Loan loss allowance to noncurrent loans | 129.4194% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 2,463 |
| Noncurrent loans to loans | 1.7640% | 1,186 |
| Net loans and leases to total assets | 31.1537% | 5,760 |
| Net loans and leases to deposits | 37.1464% | 5,762 |
| Net loans and leases to core deposits | 41.3384% | 5,700 |
| Total domestic deposits to total assets | 83.8673% | 3,325 |
| Equity capital to assets | 9.5532% | 4,712 |
| Core capital (leverage) ratio | 9.4916% | 4,223 |
| Tier 1 risk-based capital ratio | 22.2015% | 1,115 |
| Total risk-based capital ratio | 23.4590% | 1,101 |
| Memoranda: | ||
| Average total assets | $134,958,330 | 3,795 |
| Average earning assets | $125,806,670 | 3,765 |
| Average equity | $12,985,670 | 4,151 |
| Average total loans | $40,935,000 | 4,937 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7522% | 5,878 |
| Cost of funding earning assets | 0.3637% | 3,462 |
| Net interest margin | 2.3885% | 5,880 |
| Noninterest income to average assets | 0.2127% | 5,211 |
| Noninterest expense to average assets | 2.1148% | 5,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2606% | 5,408 |
| Return on assets (ROA) | 0.2606% | 5,476 |
| Pretax return on assets | 0.3205% | 5,472 |
| Return on Equity (ROE) | 2.6985% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.6985% | 4,163 |
| Net charge-offs to loans | -0.2232% | 5,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8389% | 903 |
| Assets per employee ($millions) | 7.1105% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5329% | 376 |
| Loan loss allowance to noncurrent loans | 127.4008% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8727% | 2,508 |
| Noncurrent loans to loans | 1.9881% | 1,085 |
| Net loans and leases to total assets | 28.3405% | 5,865 |
| Net loans and leases to deposits | 33.8272% | 5,877 |
| Net loans and leases to core deposits | 38.1286% | 5,819 |
| Total domestic deposits to total assets | 83.7802% | 3,606 |
| Equity capital to assets | 9.6018% | 4,564 |
| Core capital (leverage) ratio | 9.5238% | 4,150 |
| Tier 1 risk-based capital ratio | 23.7363% | 942 |
| Total risk-based capital ratio | 24.9949% | 930 |
| Memoranda: | ||
| Average total assets | $133,534,000 | 3,847 |
| Average earning assets | $124,264,000 | 3,824 |
| Average equity | $12,896,000 | 4,177 |
| Average total loans | $39,435,000 | 5,028 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5775% | 5,974 |
| Cost of funding earning assets | 0.3356% | 3,840 |
| Net interest margin | 2.2420% | 5,976 |
| Noninterest income to average assets | 0.1937% | 5,427 |
| Noninterest expense to average assets | 2.0190% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2132% | 5,545 |
| Return on assets (ROA) | 0.2126% | 5,610 |
| Pretax return on assets | 0.2461% | 5,618 |
| Return on Equity (ROE) | 2.1990% | 5,520 |
| Retained earnings to average equity (ytd only) | -14.3161% | 6,083 |
| Net charge-offs to loans | -0.2716% | 5,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1067% | 750 |
| Assets per employee ($millions) | 6.9457% | 909 |
| Cash dividends to net income (ytd only)* | 751.0274% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4579% | 422 |
| Loan loss allowance to noncurrent loans | 124.4246% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 2,429 |
| Noncurrent loans to loans | 1.9754% | 1,068 |
| Net loans and leases to total assets | 29.2601% | 5,912 |
| Net loans and leases to deposits | 35.0072% | 5,906 |
| Net loans and leases to core deposits | 39.5866% | 5,837 |
| Total domestic deposits to total assets | 83.5831% | 3,643 |
| Equity capital to assets | 9.7145% | 4,282 |
| Core capital (leverage) ratio | 9.3219% | 4,441 |
| Tier 1 risk-based capital ratio | 24.0388% | 923 |
| Total risk-based capital ratio | 25.2969% | 909 |
| Memoranda: | ||
| Average total assets | $137,342,800 | 3,762 |
| Average earning assets | $126,943,000 | 3,759 |
| Average equity | $13,278,800 | 4,080 |
| Average total loans | $38,292,600 | 5,077 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6253% | 6,043 |
| Cost of funding earning assets | 0.3415% | 3,841 |
| Net interest margin | 2.2838% | 6,041 |
| Noninterest income to average assets | 0.1750% | 5,603 |
| Noninterest expense to average assets | 2.0199% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1941% | 5,693 |
| Return on assets (ROA) | 0.1932% | 5,751 |
| Pretax return on assets | 0.2048% | 5,783 |
| Return on Equity (ROE) | 2.0009% | 5,666 |
| Retained earnings to average equity (ytd only) | -19.8300% | 6,200 |
| Net charge-offs to loans | -0.2809% | 6,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7559% | 648 |
| Assets per employee ($millions) | 6.8034% | 944 |
| Cash dividends to net income (ytd only)* | 1,091.0594% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5794% | 397 |
| Loan loss allowance to noncurrent loans | 105.2106% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3229% | 1,772 |
| Noncurrent loans to loans | 2.4516% | 835 |
| Net loans and leases to total assets | 26.3422% | 6,060 |
| Net loans and leases to deposits | 31.3433% | 6,060 |
| Net loans and leases to core deposits | 35.6888% | 6,020 |
| Total domestic deposits to total assets | 84.0439% | 3,402 |
| Equity capital to assets | 9.4167% | 4,865 |
| Core capital (leverage) ratio | 9.0177% | 4,972 |
| Tier 1 risk-based capital ratio | 23.3611% | 1,017 |
| Total risk-based capital ratio | 24.6174% | 1,002 |
| Memoranda: | ||
| Average total assets | $138,686,500 | 3,776 |
| Average earning assets | $124,527,500 | 3,840 |
| Average equity | $13,393,500 | 4,107 |
| Average total loans | $37,969,000 | 5,144 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5437% | 6,144 |
| Cost of funding earning assets | 0.3314% | 4,032 |
| Net interest margin | 2.2123% | 6,140 |
| Noninterest income to average assets | 0.1490% | 5,819 |
| Noninterest expense to average assets | 2.0206% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1662% | 5,774 |
| Return on assets (ROA) | 0.1648% | 5,831 |
| Pretax return on assets | 0.1648% | 5,865 |
| Return on Equity (ROE) | 1.6928% | 5,758 |
| Retained earnings to average equity (ytd only) | -26.1721% | 6,291 |
| Net charge-offs to loans | -0.2555% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3984% | 619 |
| Assets per employee ($millions) | 6.8253% | 905 |
| Cash dividends to net income (ytd only)* | 1,646.0870% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3611% | 582 |
| Loan loss allowance to noncurrent loans | 99.3506% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.3347% | 1,880 |
| Noncurrent loans to loans | 2.3765% | 966 |
| Net loans and leases to total assets | 27.8098% | 6,098 |
| Net loans and leases to deposits | 33.0933% | 6,102 |
| Net loans and leases to core deposits | 38.2539% | 6,015 |
| Total domestic deposits to total assets | 84.0344% | 3,549 |
| Equity capital to assets | 9.5007% | 4,651 |
| Core capital (leverage) ratio | 9.4918% | 4,296 |
| Tier 1 risk-based capital ratio | 23.4398% | 1,020 |
| Total risk-based capital ratio | 24.6938% | 1,006 |
| Memoranda: | ||
| Average total assets | $139,559,670 | 3,789 |
| Average earning assets | $128,552,000 | 3,785 |
| Average equity | $13,587,000 | 4,109 |
| Average total loans | $38,361,330 | 5,168 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5502% | 6,203 |
| Cost of funding earning assets | 0.3349% | 4,037 |
| Net interest margin | 2.2153% | 6,200 |
| Noninterest income to average assets | 0.1616% | 5,770 |
| Noninterest expense to average assets | 1.9988% | 5,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2012% | 5,687 |
| Return on assets (ROA) | 0.1985% | 5,777 |
| Pretax return on assets | 0.2041% | 5,821 |
| Return on Equity (ROE) | 2.0150% | 5,688 |
| Retained earnings to average equity (ytd only) | -52.4755% | 6,387 |
| Net charge-offs to loans | -0.3044% | 6,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6170% | 805 |
| Assets per employee ($millions) | 6.5673% | 1,039 |
| Cash dividends to net income (ytd only)* | 2,704.2857% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3373% | 674 |
| Loan loss allowance to noncurrent loans | 94.4269% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 1,958 |
| Noncurrent loans to loans | 2.4752% | 986 |
| Net loans and leases to total assets | 27.2077% | 6,165 |
| Net loans and leases to deposits | 32.3090% | 6,154 |
| Net loans and leases to core deposits | 37.2718% | 6,069 |
| Total domestic deposits to total assets | 84.2111% | 3,733 |
| Equity capital to assets | 9.4473% | 4,809 |
| Core capital (leverage) ratio | 8.9262% | 5,045 |
| Tier 1 risk-based capital ratio | 22.9006% | 1,121 |
| Total risk-based capital ratio | 24.1537% | 1,104 |
| Memoranda: | ||
| Average total assets | $141,086,500 | 3,794 |
| Average earning assets | $130,183,500 | 3,772 |
| Average equity | $13,896,000 | 4,084 |
| Average total loans | $38,102,000 | 5,207 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7308% | 6,244 |
| Cost of funding earning assets | 0.3549% | 4,201 |
| Net interest margin | 2.3759% | 6,238 |
| Noninterest income to average assets | 0.2248% | 5,520 |
| Noninterest expense to average assets | 2.0415% | 5,690 |
| Loan and lease loss provision to assets | -0.2545% | 6,337 |
| Net operating income to assets | 0.4538% | 5,000 |
| Return on assets (ROA) | 0.4730% | 5,008 |
| Pretax return on assets | 0.6300% | 4,843 |
| Return on Equity (ROE) | 4.6386% | 4,825 |
| Retained earnings to average equity (ytd only) | -10.2809% | 6,322 |
| Net charge-offs to loans | 1.0071% | 300 |
| Credit loss provision to net charge-offs | -88.0383% | 5,497 |
| Earnings coverage of net charge-offs (x) | 1.2105% | 4,471 |
| Efficiency ratio | 85.3673% | 1,244 |
| Assets per employee ($millions) | 8.0144% | 534 |
| Cash dividends to net income (ytd only)* | 321.6374% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 722 |
| Loan loss allowance to noncurrent loans | 89.9586% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.3295% | 2,113 |
| Noncurrent loans to loans | 2.5567% | 985 |
| Net loans and leases to total assets | 25.5885% | 6,284 |
| Net loans and leases to deposits | 30.5542% | 6,285 |
| Net loans and leases to core deposits | 35.0357% | 6,220 |
| Total domestic deposits to total assets | 83.7481% | 3,820 |
| Equity capital to assets | 10.2336% | 3,820 |
| Core capital (leverage) ratio | 9.9420% | 3,656 |
| Tier 1 risk-based capital ratio | 24.8102% | 854 |
| Total risk-based capital ratio | 26.0618% | 837 |
| Memoranda: | ||
| Average total assets | $144,600,400 | 3,713 |
| Average earning assets | $131,865,600 | 3,726 |
| Average equity | $14,745,800 | 3,887 |
| Average total loans | $41,505,200 | 5,123 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7797% | 6,294 |
| Cost of funding earning assets | 0.3570% | 4,270 |
| Net interest margin | 2.4227% | 6,283 |
| Noninterest income to average assets | 0.3142% | 4,926 |
| Noninterest expense to average assets | 2.1029% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3488% | 5,429 |
| Return on assets (ROA) | 0.3778% | 5,408 |
| Pretax return on assets | 0.4469% | 5,476 |
| Return on Equity (ROE) | 3.7082% | 5,276 |
| Retained earnings to average equity (ytd only) | -16.1897% | 6,456 |
| Net charge-offs to loans | 1.3856% | 183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.0159% | 4,258 |
| Efficiency ratio | 83.5897% | 1,438 |
| Assets per employee ($millions) | 7.1110% | 772 |
| Cash dividends to net income (ytd only)* | 536.5883% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1444% | 310 |
| Loan loss allowance to noncurrent loans | 122.1328% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 2,335 |
| Noncurrent loans to loans | 2.5746% | 1,124 |
| Net loans and leases to total assets | 25.0412% | 6,369 |
| Net loans and leases to deposits | 29.6479% | 6,373 |
| Net loans and leases to core deposits | 33.6201% | 6,330 |
| Total domestic deposits to total assets | 84.4619% | 3,562 |
| Equity capital to assets | 9.6464% | 4,611 |
| Core capital (leverage) ratio | 9.5603% | 4,292 |
| Tier 1 risk-based capital ratio | 23.6121% | 1,034 |
| Total risk-based capital ratio | 24.7836% | 1,028 |
| Memoranda: | ||
| Average total assets | $144,685,500 | 3,750 |
| Average earning assets | $131,473,750 | 3,756 |
| Average equity | $14,741,500 | 3,903 |
| Average total loans | $42,435,750 | 5,143 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8236% | 6,328 |
| Cost of funding earning assets | 0.3624% | 4,291 |
| Net interest margin | 2.4613% | 6,311 |
| Noninterest income to average assets | 0.3996% | 4,247 |
| Noninterest expense to average assets | 2.1462% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4059% | 5,199 |
| Return on assets (ROA) | 0.4220% | 5,211 |
| Pretax return on assets | 0.5128% | 5,242 |
| Return on Equity (ROE) | 4.0663% | 5,112 |
| Retained earnings to average equity (ytd only) | -25.5560% | 6,566 |
| Net charge-offs to loans | -0.0458% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3129% | 1,836 |
| Assets per employee ($millions) | 6.4648% | 1,031 |
| Cash dividends to net income (ytd only)* | 728.4768% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9586% | 176 |
| Loan loss allowance to noncurrent loans | 110.3380% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 1,833 |
| Noncurrent loans to loans | 3.5877% | 729 |
| Net loans and leases to total assets | 28.4022% | 6,349 |
| Net loans and leases to deposits | 33.8896% | 6,349 |
| Net loans and leases to core deposits | 38.7278% | 6,252 |
| Total domestic deposits to total assets | 83.8081% | 3,994 |
| Equity capital to assets | 10.0728% | 4,007 |
| Core capital (leverage) ratio | 9.7876% | 3,906 |
| Tier 1 risk-based capital ratio | 22.5817% | 1,174 |
| Total risk-based capital ratio | 23.8490% | 1,155 |
| Memoranda: | ||
| Average total assets | $143,137,330 | 3,796 |
| Average earning assets | $130,257,330 | 3,802 |
| Average equity | $14,853,670 | 3,883 |
| Average total loans | $43,711,670 | 5,139 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8173% | 6,383 |
| Cost of funding earning assets | 0.3699% | 4,316 |
| Net interest margin | 2.4474% | 6,380 |
| Noninterest income to average assets | 0.0752% | 6,413 |
| Noninterest expense to average assets | 2.1171% | 5,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2256% | 5,728 |
| Return on assets (ROA) | 0.2312% | 5,763 |
| Pretax return on assets | 0.1755% | 5,964 |
| Return on Equity (ROE) | 2.1961% | 5,738 |
| Retained earnings to average equity (ytd only) | -50.7227% | 6,672 |
| Net charge-offs to loans | -1.0418% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5700% | 839 |
| Assets per employee ($millions) | 7.2796% | 697 |
| Cash dividends to net income (ytd only)* | 2,409.6386% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1067% | 176 |
| Loan loss allowance to noncurrent loans | 67.7506% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.9707% | 970 |
| Noncurrent loans to loans | 6.0614% | 298 |
| Net loans and leases to total assets | 28.4042% | 6,404 |
| Net loans and leases to deposits | 33.6891% | 6,383 |
| Net loans and leases to core deposits | 38.5025% | 6,296 |
| Total domestic deposits to total assets | 84.3129% | 4,161 |
| Equity capital to assets | 9.7719% | 4,139 |
| Core capital (leverage) ratio | 9.8177% | 3,831 |
| Tier 1 risk-based capital ratio | 22.3211% | 1,242 |
| Total risk-based capital ratio | 23.5267% | 1,227 |
| Memoranda: | ||
| Average total assets | $143,593,500 | 3,815 |
| Average earning assets | $129,771,500 | 3,841 |
| Average equity | $15,117,500 | 3,844 |
| Average total loans | $44,537,500 | 5,142 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 5,873 |
| Cost of funding earning assets | 0.4097% | 4,546 |
| Net interest margin | 2.9738% | 5,635 |
| Noninterest income to average assets | 0.1163% | 6,333 |
| Noninterest expense to average assets | 2.2739% | 5,448 |
| Loan and lease loss provision to assets | 0.0149% | 4,830 |
| Net operating income to assets | 0.4199% | 5,081 |
| Return on assets (ROA) | 0.4199% | 5,190 |
| Pretax return on assets | 0.4743% | 5,280 |
| Return on Equity (ROE) | 3.4922% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.4922% | 3,740 |
| Net charge-offs to loans | -0.2743% | 6,659 |
| Credit loss provision to net charge-offs | -14.9254% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2942% | 1,840 |
| Assets per employee ($millions) | 6.7427% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6017% | 263 |
| Loan loss allowance to noncurrent loans | 83.9675% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.6477% | 1,270 |
| Noncurrent loans to loans | 4.2894% | 642 |
| Net loans and leases to total assets | 31.2827% | 6,419 |
| Net loans and leases to deposits | 37.8363% | 6,371 |
| Net loans and leases to core deposits | 43.5392% | 6,247 |
| Total domestic deposits to total assets | 82.6789% | 4,649 |
| Equity capital to assets | 11.3054% | 2,334 |
| Core capital (leverage) ratio | 11.4944% | 1,964 |
| Tier 1 risk-based capital ratio | 23.7174% | 985 |
| Total risk-based capital ratio | 24.6990% | 1,001 |
| Memoranda: | ||
| Average total assets | $134,085,600 | 3,995 |
| Average earning assets | $119,343,800 | 4,060 |
| Average equity | $16,121,600 | 3,680 |
| Average total loans | $48,848,000 | 5,008 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 5,749 |
| Cost of funding earning assets | 0.4169% | 4,654 |
| Net interest margin | 3.0538% | 5,458 |
| Noninterest income to average assets | 0.1008% | 6,477 |
| Noninterest expense to average assets | 2.3488% | 5,186 |
| Loan and lease loss provision to assets | 0.0202% | 4,593 |
| Net operating income to assets | 0.4014% | 5,241 |
| Return on assets (ROA) | 0.4014% | 5,376 |
| Pretax return on assets | 0.4427% | 5,515 |
| Return on Equity (ROE) | 3.2858% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.2858% | 4,338 |
| Net charge-offs to loans | -0.2609% | 6,700 |
| Credit loss provision to net charge-offs | -20.6186% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5366% | 1,654 |
| Assets per employee ($millions) | 6.4942% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5250% | 331 |
| Loan loss allowance to noncurrent loans | 97.3526% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 3.8408% | 845 |
| Noncurrent loans to loans | 3.6208% | 1,030 |
| Net loans and leases to total assets | 32.4705% | 6,431 |
| Net loans and leases to deposits | 39.7132% | 6,392 |
| Net loans and leases to core deposits | 45.8668% | 6,218 |
| Total domestic deposits to total assets | 81.7626% | 5,006 |
| Equity capital to assets | 11.8677% | 2,001 |
| Core capital (leverage) ratio | 12.0511% | 1,643 |
| Tier 1 risk-based capital ratio | 22.5827% | 1,213 |
| Total risk-based capital ratio | 23.7876% | 1,198 |
| Memoranda: | ||
| Average total assets | $132,208,000 | 4,069 |
| Average earning assets | $117,358,500 | 4,140 |
| Average equity | $16,150,000 | 3,718 |
| Average total loans | $49,572,500 | 5,025 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 5,679 |
| Cost of funding earning assets | 0.4202% | 4,751 |
| Net interest margin | 3.0874% | 5,308 |
| Noninterest income to average assets | 0.0352% | 6,710 |
| Noninterest expense to average assets | 2.2734% | 5,439 |
| Loan and lease loss provision to assets | 0.0306% | 4,318 |
| Net operating income to assets | 0.4281% | 5,117 |
| Return on assets (ROA) | 0.4281% | 5,272 |
| Pretax return on assets | 0.4831% | 5,426 |
| Return on Equity (ROE) | 3.4700% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.4700% | 4,107 |
| Net charge-offs to loans | -0.2638% | 6,728 |
| Credit loss provision to net charge-offs | -29.8507% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5688% | 1,956 |
| Assets per employee ($millions) | 6.4847% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2869% | 440 |
| Loan loss allowance to noncurrent loans | 64.1616% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 3.9833% | 871 |
| Noncurrent loans to loans | 5.1228% | 613 |
| Net loans and leases to total assets | 36.0274% | 6,300 |
| Net loans and leases to deposits | 44.4074% | 6,204 |
| Net loans and leases to core deposits | 51.7597% | 5,905 |
| Total domestic deposits to total assets | 81.1293% | 5,305 |
| Equity capital to assets | 12.2497% | 1,740 |
| Core capital (leverage) ratio | 11.9297% | 1,653 |
| Tier 1 risk-based capital ratio | 22.4163% | 1,218 |
| Total risk-based capital ratio | 23.5975% | 1,207 |
| Memoranda: | ||
| Average total assets | $130,817,670 | 4,121 |
| Average earning assets | $116,603,000 | 4,187 |
| Average equity | $16,138,330 | 3,749 |
| Average total loans | $50,796,330 | 4,990 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 5,563 |
| Cost of funding earning assets | 0.4198% | 4,912 |
| Net interest margin | 3.1398% | 5,128 |
| Noninterest income to average assets | 0.0883% | 6,621 |
| Noninterest expense to average assets | 2.3261% | 5,349 |
| Loan and lease loss provision to assets | 0.0609% | 3,622 |
| Net operating income to assets | 0.4415% | 4,953 |
| Return on assets (ROA) | 0.4415% | 5,115 |
| Pretax return on assets | 0.5024% | 5,248 |
| Return on Equity (ROE) | 3.5662% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.5662% | 4,097 |
| Net charge-offs to loans | -0.2844% | 6,763 |
| Credit loss provision to net charge-offs | -54.0541% | 5,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5058% | 2,250 |
| Assets per employee ($millions) | 6.6430% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0477% | 627 |
| Loan loss allowance to noncurrent loans | 61.8499% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 3.9779% | 1,007 |
| Noncurrent loans to loans | 4.9275% | 779 |
| Net loans and leases to total assets | 37.3047% | 6,197 |
| Net loans and leases to deposits | 45.8412% | 6,067 |
| Net loans and leases to core deposits | 54.0762% | 5,661 |
| Total domestic deposits to total assets | 81.3781% | 5,396 |
| Equity capital to assets | 12.2821% | 1,849 |
| Core capital (leverage) ratio | 12.0774% | 1,522 |
| Tier 1 risk-based capital ratio | 21.4773% | 1,433 |
| Total risk-based capital ratio | 22.6955% | 1,410 |
| Memoranda: | ||
| Average total assets | $131,380,000 | 4,151 |
| Average earning assets | $117,206,000 | 4,214 |
| Average equity | $16,264,000 | 3,778 |
| Average total loans | $52,038,000 | 4,983 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 5,672 |
| Cost of funding earning assets | 0.4596% | 5,504 |
| Net interest margin | 3.4094% | 4,848 |
| Noninterest income to average assets | 0.0691% | 6,623 |
| Noninterest expense to average assets | 2.3269% | 5,618 |
| Loan and lease loss provision to assets | 0.1219% | 4,092 |
| Net operating income to assets | 0.5119% | 4,639 |
| Return on assets (ROA) | 0.5272% | 4,837 |
| Pretax return on assets | 0.6693% | 4,760 |
| Return on Equity (ROE) | 4.2954% | 5,025 |
| Retained earnings to average equity (ytd only) | 4.2954% | 3,200 |
| Net charge-offs to loans | 0.0298% | 5,490 |
| Credit loss provision to net charge-offs | 981.2500% | 258 |
| Earnings coverage of net charge-offs (x) | 62.1250% | 579 |
| Efficiency ratio | 75.0940% | 2,894 |
| Assets per employee ($millions) | 6.8368% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8345% | 797 |
| Loan loss allowance to noncurrent loans | 59.1644% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 4.1809% | 1,010 |
| Noncurrent loans to loans | 4.7909% | 856 |
| Net loans and leases to total assets | 39.6105% | 6,198 |
| Net loans and leases to deposits | 48.8336% | 6,049 |
| Net loans and leases to core deposits | 57.8674% | 5,559 |
| Total domestic deposits to total assets | 81.1132% | 5,370 |
| Equity capital to assets | 12.4788% | 1,730 |
| Core capital (leverage) ratio | 11.9879% | 1,570 |
| Tier 1 risk-based capital ratio | 21.4841% | 1,364 |
| Total risk-based capital ratio | 22.6989% | 1,343 |
| Memoranda: | ||
| Average total assets | $128,795,800 | 4,171 |
| Average earning assets | $114,447,800 | 4,235 |
| Average equity | $15,807,600 | 3,807 |
| Average total loans | $53,764,600 | 4,950 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 5,739 |
| Cost of funding earning assets | 0.4624% | 5,702 |
| Net interest margin | 3.4573% | 4,816 |
| Noninterest income to average assets | 0.0114% | 6,905 |
| Noninterest expense to average assets | 2.3249% | 5,617 |
| Loan and lease loss provision to assets | 0.0363% | 5,319 |
| Net operating income to assets | 0.5643% | 4,550 |
| Return on assets (ROA) | 0.5789% | 4,758 |
| Pretax return on assets | 0.7407% | 4,706 |
| Return on Equity (ROE) | 4.7366% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.7366% | 3,570 |
| Net charge-offs to loans | 0.0198% | 5,393 |
| Credit loss provision to net charge-offs | 437.5000% | 614 |
| Earnings coverage of net charge-offs (x) | 91.3440% | 462 |
| Efficiency ratio | 75.4038% | 2,759 |
| Assets per employee ($millions) | 6.9938% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6119% | 1,071 |
| Loan loss allowance to noncurrent loans | 35.7935% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 4.6522% | 981 |
| Noncurrent loans to loans | 7.2970% | 484 |
| Net loans and leases to total assets | 38.9192% | 6,355 |
| Net loans and leases to deposits | 47.7972% | 6,272 |
| Net loans and leases to core deposits | 56.3569% | 5,866 |
| Total domestic deposits to total assets | 81.4258% | 5,225 |
| Equity capital to assets | 12.1581% | 2,145 |
| Core capital (leverage) ratio | 11.7761% | 1,787 |
| Tier 1 risk-based capital ratio | 21.0477% | 1,517 |
| Total risk-based capital ratio | 22.3050% | 1,480 |
| Memoranda: | ||
| Average total assets | $128,519,750 | 4,225 |
| Average earning assets | $114,189,250 | 4,283 |
| Average equity | $15,707,000 | 3,860 |
| Average total loans | $53,967,000 | 4,997 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 5,324 |
| Cost of funding earning assets | 0.4665% | 5,855 |
| Net interest margin | 3.6308% | 4,137 |
| Noninterest income to average assets | -0.0472% | 7,054 |
| Noninterest expense to average assets | 2.3437% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6469% | 4,127 |
| Return on assets (ROA) | 0.6469% | 4,380 |
| Pretax return on assets | 0.8311% | 4,352 |
| Return on Equity (ROE) | 5.2837% | 4,673 |
| Retained earnings to average equity (ytd only) | 5.2837% | 3,108 |
| Net charge-offs to loans | -0.1216% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8225% | 3,107 |
| Assets per employee ($millions) | 6.4221% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6010% | 1,153 |
| Loan loss allowance to noncurrent loans | 125.9494% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 2.8308% | 1,945 |
| Noncurrent loans to loans | 2.0651% | 2,870 |
| Net loans and leases to total assets | 40.6121% | 6,303 |
| Net loans and leases to deposits | 50.0792% | 6,177 |
| Net loans and leases to core deposits | 59.4477% | 5,654 |
| Total domestic deposits to total assets | 81.0957% | 5,436 |
| Equity capital to assets | 12.3285% | 1,920 |
| Core capital (leverage) ratio | 11.9383% | 1,633 |
| Tier 1 risk-based capital ratio | 20.4443% | 1,591 |
| Total risk-based capital ratio | 21.6561% | 1,577 |
| Memoranda: | ||
| Average total assets | $127,065,330 | 4,265 |
| Average earning assets | $112,758,670 | 4,340 |
| Average equity | $15,557,330 | 3,872 |
| Average total loans | $54,254,670 | 5,020 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 5,567 |
| Cost of funding earning assets | 0.4709% | 6,007 |
| Net interest margin | 3.5927% | 4,299 |
| Noninterest income to average assets | -0.0475% | 7,135 |
| Noninterest expense to average assets | 2.3454% | 5,645 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6362% | 4,192 |
| Return on assets (ROA) | 0.6362% | 4,405 |
| Pretax return on assets | 0.7944% | 4,431 |
| Return on Equity (ROE) | 5.2145% | 4,685 |
| Retained earnings to average equity (ytd only) | 5.2145% | 3,425 |
| Net charge-offs to loans | 0.0220% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 83.6667% | 410 |
| Efficiency ratio | 74.6976% | 2,992 |
| Assets per employee ($millions) | 6.4914% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5022% | 1,352 |
| Loan loss allowance to noncurrent loans | 122.6944% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 2.8946% | 2,006 |
| Noncurrent loans to loans | 2.0393% | 3,098 |
| Net loans and leases to total assets | 40.7280% | 6,290 |
| Net loans and leases to deposits | 49.8981% | 6,146 |
| Net loans and leases to core deposits | 59.2375% | 5,606 |
| Total domestic deposits to total assets | 81.6225% | 5,418 |
| Equity capital to assets | 11.9721% | 2,063 |
| Core capital (leverage) ratio | 12.0280% | 1,569 |
| Tier 1 risk-based capital ratio | 19.9825% | 1,718 |
| Total risk-based capital ratio | 21.2394% | 1,686 |
| Memoranda: | ||
| Average total assets | $126,377,000 | 4,316 |
| Average earning assets | $112,116,500 | 4,380 |
| Average equity | $15,418,500 | 3,908 |
| Average total loans | $54,604,000 | 5,040 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 4,935 |
| Cost of funding earning assets | 0.6144% | 6,020 |
| Net interest margin | 3.9206% | 3,253 |
| Noninterest income to average assets | -0.0233% | 7,036 |
| Noninterest expense to average assets | 2.6769% | 4,831 |
| Loan and lease loss provision to assets | 0.1992% | 4,197 |
| Net operating income to assets | 0.4672% | 4,553 |
| Return on assets (ROA) | 0.4852% | 4,695 |
| Pretax return on assets | 0.5410% | 4,868 |
| Return on Equity (ROE) | 4.6445% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.8465% | 3,475 |
| Net charge-offs to loans | 0.1433% | 5,001 |
| Credit loss provision to net charge-offs | 295.0617% | 801 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,809 |
| Efficiency ratio | 78.7975% | 2,486 |
| Assets per employee ($millions) | 6.1464% | 1,131 |
| Cash dividends to net income (ytd only)* | 17.1821% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4739% | 1,352 |
| Loan loss allowance to noncurrent loans | 116.2393% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 3.2084% | 1,863 |
| Noncurrent loans to loans | 2.1282% | 3,035 |
| Net loans and leases to total assets | 43.6153% | 6,246 |
| Net loans and leases to deposits | 53.9153% | 6,077 |
| Net loans and leases to core deposits | 64.7853% | 5,389 |
| Total domestic deposits to total assets | 80.8960% | 5,480 |
| Equity capital to assets | 12.4415% | 1,828 |
| Core capital (leverage) ratio | 11.7987% | 1,711 |
| Tier 1 risk-based capital ratio | 19.4895% | 1,765 |
| Total risk-based capital ratio | 20.5879% | 1,773 |
| Memoranda: | ||
| Average total assets | $119,952,200 | 4,402 |
| Average earning assets | $104,652,400 | 4,531 |
| Average equity | $12,531,000 | 4,438 |
| Average total loans | $56,517,400 | 5,006 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 4,872 |
| Cost of funding earning assets | 0.6306% | 6,127 |
| Net interest margin | 3.9672% | 3,062 |
| Noninterest income to average assets | 0.1566% | 6,476 |
| Noninterest expense to average assets | 2.8610% | 4,100 |
| Loan and lease loss provision to assets | 0.2673% | 3,371 |
| Net operating income to assets | 0.4474% | 4,791 |
| Return on assets (ROA) | 0.4474% | 4,983 |
| Pretax return on assets | 0.4832% | 5,215 |
| Return on Equity (ROE) | 4.5043% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.3782% | 4,327 |
| Net charge-offs to loans | 0.1617% | 4,490 |
| Credit loss provision to net charge-offs | 346.3768% | 813 |
| Earnings coverage of net charge-offs (x) | 9.7243% | 2,010 |
| Efficiency ratio | 79.2196% | 2,374 |
| Assets per employee ($millions) | 6.2820% | 1,042 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4412% | 1,478 |
| Loan loss allowance to noncurrent loans | 136.3817% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 2.9839% | 2,151 |
| Noncurrent loans to loans | 1.7900% | 3,648 |
| Net loans and leases to total assets | 43.6401% | 6,364 |
| Net loans and leases to deposits | 53.7239% | 6,234 |
| Net loans and leases to core deposits | 64.4547% | 5,567 |
| Total domestic deposits to total assets | 81.2304% | 5,361 |
| Equity capital to assets | 12.0711% | 2,198 |
| Core capital (leverage) ratio | 12.0557% | 1,673 |
| Tier 1 risk-based capital ratio | 19.2226% | 1,872 |
| Total risk-based capital ratio | 20.4781% | 1,840 |
| Memoranda: | ||
| Average total assets | $119,208,500 | 4,455 |
| Average earning assets | $103,814,750 | 4,580 |
| Average equity | $11,840,250 | 4,607 |
| Average total loans | $56,903,000 | 5,038 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 4,404 |
| Cost of funding earning assets | 0.6587% | 6,178 |
| Net interest margin | 4.0705% | 2,531 |
| Noninterest income to average assets | 0.1623% | 6,497 |
| Noninterest expense to average assets | 2.9061% | 4,001 |
| Loan and lease loss provision to assets | 0.4083% | 2,389 |
| Net operating income to assets | 0.3742% | 5,058 |
| Return on assets (ROA) | 0.3742% | 5,205 |
| Pretax return on assets | 0.3742% | 5,472 |
| Return on Equity (ROE) | 4.0814% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.0814% | 3,602 |
| Net charge-offs to loans | 1.0886% | 1,449 |
| Credit loss provision to net charge-offs | 76.8489% | 3,861 |
| Earnings coverage of net charge-offs (x) | 1.4727% | 4,179 |
| Efficiency ratio | 78.7865% | 2,591 |
| Assets per employee ($millions) | 5.4979% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 2,287 |
| Loan loss allowance to noncurrent loans | 64.8680% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.2037% | 2,097 |
| Noncurrent loans to loans | 3.1285% | 2,300 |
| Net loans and leases to total assets | 45.1018% | 6,342 |
| Net loans and leases to deposits | 53.6523% | 6,334 |
| Net loans and leases to core deposits | 64.3879% | 5,688 |
| Total domestic deposits to total assets | 84.0632% | 4,317 |
| Equity capital to assets | 9.1085% | 5,422 |
| Core capital (leverage) ratio | 8.9792% | 4,756 |
| Tier 1 risk-based capital ratio | 13.9269% | 4,224 |
| Total risk-based capital ratio | 15.1790% | 4,191 |
| Memoranda: | ||
| Average total assets | $117,065,000 | 4,537 |
| Average earning assets | $101,412,330 | 4,667 |
| Average equity | $10,731,670 | 4,862 |
| Average total loans | $57,137,000 | 5,079 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 5,122 |
| Cost of funding earning assets | 0.6860% | 6,219 |
| Net interest margin | 3.8754% | 3,267 |
| Noninterest income to average assets | 0.0869% | 6,976 |
| Noninterest expense to average assets | 2.9395% | 3,891 |
| Loan and lease loss provision to assets | 0.3475% | 2,480 |
| Net operating income to assets | 0.2467% | 5,627 |
| Return on assets (ROA) | 0.2467% | 5,694 |
| Pretax return on assets | 0.1564% | 6,038 |
| Return on Equity (ROE) | 2.6820% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.6820% | 4,554 |
| Net charge-offs to loans | 0.3249% | 2,756 |
| Credit loss provision to net charge-offs | 212.7660% | 1,410 |
| Earnings coverage of net charge-offs (x) | 3.0851% | 2,859 |
| Efficiency ratio | 85.3683% | 1,790 |
| Assets per employee ($millions) | 4.6974% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 1,995 |
| Loan loss allowance to noncurrent loans | 56.8130% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 3.0783% | 2,238 |
| Noncurrent loans to loans | 3.8487% | 1,909 |
| Net loans and leases to total assets | 47.8064% | 6,101 |
| Net loans and leases to deposits | 56.9387% | 6,034 |
| Net loans and leases to core deposits | 69.1928% | 5,145 |
| Total domestic deposits to total assets | 83.9612% | 4,504 |
| Equity capital to assets | 9.0902% | 5,069 |
| Core capital (leverage) ratio | 9.0871% | 4,469 |
| Tier 1 risk-based capital ratio | 13.7899% | 4,219 |
| Total risk-based capital ratio | 15.0459% | 4,196 |
| Memoranda: | ||
| Average total assets | $115,121,000 | 4,612 |
| Average earning assets | $99,706,000 | 4,748 |
| Average equity | $10,589,000 | 4,896 |
| Average total loans | $57,864,500 | 5,093 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 4,349 |
| Cost of funding earning assets | 0.8328% | 6,430 |
| Net interest margin | 4.2110% | 2,140 |
| Noninterest income to average assets | 0.3411% | 5,354 |
| Noninterest expense to average assets | 3.0815% | 3,539 |
| Loan and lease loss provision to assets | 0.8035% | 2,025 |
| Net operating income to assets | 0.1658% | 5,386 |
| Return on assets (ROA) | 0.1658% | 5,546 |
| Pretax return on assets | 0.0515% | 5,794 |
| Return on Equity (ROE) | 1.7665% | 5,477 |
| Retained earnings to average equity (ytd only) | 0.8368% | 5,131 |
| Net charge-offs to loans | 1.9296% | 1,065 |
| Credit loss provision to net charge-offs | 78.1170% | 5,631 |
| Earnings coverage of net charge-offs (x) | 0.8312% | 5,299 |
| Efficiency ratio | 78.2801% | 2,659 |
| Assets per employee ($millions) | 4.9047% | 2,286 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 2,151 |
| Loan loss allowance to noncurrent loans | 48.5460% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 3.5113% | 1,970 |
| Noncurrent loans to loans | 4.2446% | 1,709 |
| Net loans and leases to total assets | 50.6445% | 6,093 |
| Net loans and leases to deposits | 60.7576% | 5,974 |
| Net loans and leases to core deposits | 75.8651% | 4,736 |
| Total domestic deposits to total assets | 83.3549% | 4,661 |
| Equity capital to assets | 9.3105% | 4,674 |
| Core capital (leverage) ratio | 8.9951% | 4,567 |
| Tier 1 risk-based capital ratio | 13.4403% | 4,262 |
| Total risk-based capital ratio | 14.6938% | 4,227 |
| Memoranda: | ||
| Average total assets | $114,619,000 | 4,597 |
| Average earning assets | $97,861,600 | 4,778 |
| Average equity | $10,755,600 | 4,919 |
| Average total loans | $61,099,200 | 5,022 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 4,392 |
| Cost of funding earning assets | 0.8589% | 6,548 |
| Net interest margin | 4.2277% | 2,114 |
| Noninterest income to average assets | 0.3279% | 5,533 |
| Noninterest expense to average assets | 3.0983% | 3,348 |
| Loan and lease loss provision to assets | 0.1726% | 5,314 |
| Net operating income to assets | 0.5399% | 4,132 |
| Return on assets (ROA) | 0.5399% | 4,304 |
| Pretax return on assets | 0.6558% | 4,403 |
| Return on Equity (ROE) | 5.7430% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.5106% | 3,338 |
| Net charge-offs to loans | 0.2158% | 4,645 |
| Credit loss provision to net charge-offs | 149.0000% | 2,614 |
| Earnings coverage of net charge-offs (x) | 7.1500% | 2,380 |
| Efficiency ratio | 78.9023% | 2,500 |
| Assets per employee ($millions) | 4.8950% | 2,326 |
| Cash dividends to net income (ytd only)* | 21.4592% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4934% | 1,336 |
| Loan loss allowance to noncurrent loans | 42.8571% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 4.3165% | 1,575 |
| Noncurrent loans to loans | 5.8180% | 1,109 |
| Net loans and leases to total assets | 50.2298% | 6,299 |
| Net loans and leases to deposits | 60.1204% | 6,304 |
| Net loans and leases to core deposits | 75.2074% | 5,158 |
| Total domestic deposits to total assets | 83.5487% | 4,352 |
| Equity capital to assets | 9.4459% | 4,924 |
| Core capital (leverage) ratio | 9.1474% | 4,461 |
| Tier 1 risk-based capital ratio | 9.5719% | 7,237 |
| Total risk-based capital ratio | 10.7957% | 7,239 |
| Memoranda: | ||
| Average total assets | $115,071,750 | 4,654 |
| Average earning assets | $97,954,500 | 4,839 |
| Average equity | $10,818,750 | 4,966 |
| Average total loans | $61,790,750 | 5,071 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 3,688 |
| Cost of funding earning assets | 0.8972% | 6,594 |
| Net interest margin | 4.3571% | 1,572 |
| Noninterest income to average assets | 0.3255% | 5,549 |
| Noninterest expense to average assets | 3.0052% | 3,696 |
| Loan and lease loss provision to assets | 0.2608% | 4,320 |
| Net operating income to assets | 0.5924% | 3,908 |
| Return on assets (ROA) | 0.5723% | 4,127 |
| Pretax return on assets | 0.6984% | 4,248 |
| Return on Equity (ROE) | 6.0973% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.0973% | 2,282 |
| Net charge-offs to loans | 0.3183% | 3,730 |
| Credit loss provision to net charge-offs | 150.5051% | 2,607 |
| Earnings coverage of net charge-offs (x) | 5.6768% | 2,616 |
| Efficiency ratio | 75.3401% | 3,196 |
| Assets per employee ($millions) | 4.7718% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 1,386 |
| Loan loss allowance to noncurrent loans | 88.2525% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 2.9381% | 2,445 |
| Noncurrent loans to loans | 2.7603% | 2,896 |
| Net loans and leases to total assets | 50.6949% | 6,353 |
| Net loans and leases to deposits | 60.3358% | 6,385 |
| Net loans and leases to core deposits | 76.2770% | 5,161 |
| Total domestic deposits to total assets | 84.0213% | 4,100 |
| Equity capital to assets | 9.1956% | 5,151 |
| Core capital (leverage) ratio | 9.1498% | 4,375 |
| Tier 1 risk-based capital ratio | 14.2164% | 3,595 |
| Total risk-based capital ratio | 15.4352% | 3,571 |
| Memoranda: | ||
| Average total assets | $114,269,000 | 4,694 |
| Average earning assets | $96,073,670 | 4,923 |
| Average equity | $10,726,000 | 4,994 |
| Average total loans | $62,214,670 | 5,095 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 3,269 |
| Cost of funding earning assets | 0.9431% | 6,607 |
| Net interest margin | 4.4125% | 1,360 |
| Noninterest income to average assets | 0.3042% | 5,714 |
| Noninterest expense to average assets | 3.1748% | 2,957 |
| Loan and lease loss provision to assets | 0.5297% | 2,381 |
| Net operating income to assets | 0.2577% | 5,461 |
| Return on assets (ROA) | 0.2577% | 5,588 |
| Pretax return on assets | 0.3007% | 5,600 |
| Return on Equity (ROE) | 2.7160% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.7160% | 4,509 |
| Net charge-offs to loans | -0.0128% | 6,951 |
| Credit loss provision to net charge-offs | -7,400.0000% | 6,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2672% | 2,675 |
| Assets per employee ($millions) | 4.1098% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5820% | 1,202 |
| Loan loss allowance to noncurrent loans | 160.3586% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 2.5756% | 2,833 |
| Noncurrent loans to loans | 1.6101% | 4,330 |
| Net loans and leases to total assets | 54.7430% | 5,923 |
| Net loans and leases to deposits | 65.8454% | 5,840 |
| Net loans and leases to core deposits | 84.8121% | 4,086 |
| Total domestic deposits to total assets | 83.1387% | 4,555 |
| Equity capital to assets | 9.6085% | 4,366 |
| Core capital (leverage) ratio | 9.4300% | 3,879 |
| Tier 1 risk-based capital ratio | 13.5922% | 3,931 |
| Total risk-based capital ratio | 14.8514% | 3,888 |
| Memoranda: | ||
| Average total assets | $111,755,500 | 4,829 |
| Average earning assets | $93,734,000 | 5,059 |
| Average equity | $10,604,000 | 5,071 |
| Average total loans | $62,328,500 | 5,160 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 2,942 |
| Cost of funding earning assets | 1.0935% | 6,997 |
| Net interest margin | 4.6390% | 920 |
| Noninterest income to average assets | 0.0091% | 7,666 |
| Noninterest expense to average assets | 2.8383% | 4,803 |
| Loan and lease loss provision to assets | 0.1957% | 5,774 |
| Net operating income to assets | 0.7886% | 2,574 |
| Return on assets (ROA) | 0.7967% | 2,637 |
| Pretax return on assets | 1.0839% | 2,298 |
| Return on Equity (ROE) | 8.5278% | 2,187 |
| Retained earnings to average equity (ytd only) | 5.0521% | 1,793 |
| Net charge-offs to loans | -0.4454% | 7,944 |
| Credit loss provision to net charge-offs | -76.9784% | 7,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1091% | 4,804 |
| Assets per employee ($millions) | 4.1684% | 3,495 |
| Cash dividends to net income (ytd only)* | 40.7577% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3434% | 1,413 |
| Loan loss allowance to noncurrent loans | 142.4390% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 2.6824% | 2,616 |
| Noncurrent loans to loans | 1.6452% | 4,183 |
| Net loans and leases to total assets | 54.0592% | 6,193 |
| Net loans and leases to deposits | 66.0895% | 6,033 |
| Net loans and leases to core deposits | 90.9964% | 5,012 |
| Total domestic deposits to total assets | 81.7969% | 5,035 |
| Equity capital to assets | 9.3703% | 4,605 |
| Core capital (leverage) ratio | 9.0094% | 4,401 |
| Tier 1 risk-based capital ratio | 12.6366% | 4,411 |
| Total risk-based capital ratio | 13.8936% | 4,342 |
| Memoranda: | ||
| Average total assets | $109,326,600 | 4,838 |
| Average earning assets | $96,572,400 | 4,936 |
| Average equity | $10,213,600 | 5,238 |
| Average total loans | $62,411,800 | 5,155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 2,972 |
| Cost of funding earning assets | 1.1009% | 7,173 |
| Net interest margin | 4.6804% | 868 |
| Noninterest income to average assets | 0.1081% | 7,361 |
| Noninterest expense to average assets | 2.9597% | 4,208 |
| Loan and lease loss provision to assets | 0.2371% | 5,068 |
| Net operating income to assets | 0.7465% | 3,038 |
| Return on assets (ROA) | 0.7568% | 3,061 |
| Pretax return on assets | 1.0836% | 2,629 |
| Return on Equity (ROE) | 8.1073% | 2,595 |
| Retained earnings to average equity (ytd only) | 6.1989% | 1,849 |
| Net charge-offs to loans | 0.0961% | 5,712 |
| Credit loss provision to net charge-offs | 428.8889% | 923 |
| Earnings coverage of net charge-offs (x) | 23.6217% | 1,112 |
| Efficiency ratio | 69.3836% | 4,716 |
| Assets per employee ($millions) | 4.5425% | 2,793 |
| Cash dividends to net income (ytd only)* | 23.5392% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 2,335 |
| Loan loss allowance to noncurrent loans | 108.5603% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 2.6688% | 2,610 |
| Noncurrent loans to loans | 1.6413% | 4,185 |
| Net loans and leases to total assets | 52.0871% | 6,591 |
| Net loans and leases to deposits | 63.2780% | 6,563 |
| Net loans and leases to core deposits | 85.9764% | 5,870 |
| Total domestic deposits to total assets | 82.3147% | 4,537 |
| Equity capital to assets | 9.1216% | 5,304 |
| Core capital (leverage) ratio | 9.2822% | 4,216 |
| Tier 1 risk-based capital ratio | 12.3757% | 4,650 |
| Total risk-based capital ratio | 13.6233% | 4,598 |
| Memoranda: | ||
| Average total assets | $108,521,500 | 4,895 |
| Average earning assets | $96,399,750 | 4,971 |
| Average equity | $10,130,500 | 5,304 |
| Average total loans | $62,439,250 | 5,190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0450% | 1,997 |
| Cost of funding earning assets | 1.1477% | 7,252 |
| Net interest margin | 4.8974% | 546 |
| Noninterest income to average assets | 0.0095% | 7,913 |
| Noninterest expense to average assets | 3.0249% | 3,989 |
| Loan and lease loss provision to assets | 0.3038% | 4,133 |
| Net operating income to assets | 0.7143% | 3,191 |
| Return on assets (ROA) | 0.6931% | 3,399 |
| Pretax return on assets | 0.9855% | 3,064 |
| Return on Equity (ROE) | 7.3616% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.3616% | 1,445 |
| Net charge-offs to loans | 0.1251% | 4,912 |
| Credit loss provision to net charge-offs | 410.2564% | 1,129 |
| Earnings coverage of net charge-offs (x) | 17.8205% | 1,449 |
| Efficiency ratio | 69.6241% | 4,857 |
| Assets per employee ($millions) | 4.0797% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 2,261 |
| Loan loss allowance to noncurrent loans | 292.7419% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0681% | 3,104 |
| Noncurrent loans to loans | 0.5888% | 6,077 |
| Net loans and leases to total assets | 56.3681% | 6,169 |
| Net loans and leases to deposits | 69.0326% | 6,089 |
| Net loans and leases to core deposits | 94.0900% | 5,108 |
| Total domestic deposits to total assets | 81.6543% | 4,834 |
| Equity capital to assets | 9.2119% | 4,996 |
| Core capital (leverage) ratio | 9.4346% | 3,984 |
| Tier 1 risk-based capital ratio | 12.9521% | 4,183 |
| Total risk-based capital ratio | 14.1726% | 4,116 |
| Memoranda: | ||
| Average total assets | $105,327,330 | 5,004 |
| Average earning assets | $93,233,670 | 5,089 |
| Average equity | $9,916,330 | 5,379 |
| Average total loans | $62,374,670 | 5,242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 1,283 |
| Cost of funding earning assets | 1.1932% | 7,313 |
| Net interest margin | 5.1120% | 326 |
| Noninterest income to average assets | 0.3381% | 5,753 |
| Noninterest expense to average assets | 3.1016% | 3,372 |
| Loan and lease loss provision to assets | 0.5830% | 2,159 |
| Net operating income to assets | 0.7975% | 3,145 |
| Return on assets (ROA) | 0.7579% | 3,487 |
| Pretax return on assets | 1.1077% | 2,959 |
| Return on Equity (ROE) | 7.9584% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.9584% | 1,828 |
| Net charge-offs to loans | -0.0065% | 7,209 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9423% | 5,697 |
| Assets per employee ($millions) | 3.7230% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 1,827 |
| Loan loss allowance to noncurrent loans | 164.3172% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1622% | 2,652 |
| Noncurrent loans to loans | 1.1015% | 4,782 |
| Net loans and leases to total assets | 58.2345% | 5,906 |
| Net loans and leases to deposits | 72.0580% | 5,740 |
| Net loans and leases to core deposits | 95.3283% | 5,031 |
| Total domestic deposits to total assets | 80.8162% | 5,034 |
| Equity capital to assets | 9.6063% | 4,520 |
| Core capital (leverage) ratio | 9.6371% | 3,836 |
| Tier 1 risk-based capital ratio | 12.7961% | 4,328 |
| Total risk-based capital ratio | 13.9754% | 4,290 |
| Memoranda: | ||
| Average total assets | $102,915,500 | 5,099 |
| Average earning assets | $90,845,500 | 5,191 |
| Average equity | $9,801,000 | 5,450 |
| Average total loans | $61,972,500 | 5,290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3677% | 3,591 |
| Cost of funding earning assets | 1.7481% | 7,136 |
| Net interest margin | 4.6196% | 1,130 |
| Noninterest income to average assets | 0.4500% | 5,036 |
| Noninterest expense to average assets | 3.1855% | 3,390 |
| Loan and lease loss provision to assets | 0.4460% | 3,062 |
| Net operating income to assets | 0.7144% | 3,830 |
| Return on assets (ROA) | 0.7158% | 3,653 |
| Pretax return on assets | 0.9816% | 3,441 |
| Return on Equity (ROE) | 7.4112% | 3,318 |
| Retained earnings to average equity (ytd only) | 4.2841% | 2,450 |
| Net charge-offs to loans | 0.3311% | 3,187 |
| Credit loss provision to net charge-offs | 224.8731% | 2,115 |
| Earnings coverage of net charge-offs (x) | 7.1878% | 3,165 |
| Efficiency ratio | 69.0830% | 4,511 |
| Assets per employee ($millions) | 3.5030% | 4,650 |
| Cash dividends to net income (ytd only)* | 42.1941% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,410 |
| Loan loss allowance to noncurrent loans | 118.6275% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 2.3517% | 2,068 |
| Noncurrent loans to loans | 1.3136% | 3,886 |
| Net loans and leases to total assets | 60.1967% | 5,882 |
| Net loans and leases to deposits | 75.9794% | 5,593 |
| Net loans and leases to core deposits | 99.9101% | 4,831 |
| Total domestic deposits to total assets | 79.2277% | 5,289 |
| Equity capital to assets | 9.4382% | 4,773 |
| Core capital (leverage) ratio | 9.6461% | 3,834 |
| Tier 1 risk-based capital ratio | 12.2463% | 4,634 |
| Total risk-based capital ratio | 13.4509% | 4,559 |
| Memoranda: | ||
| Average total assets | $99,324,600 | 5,074 |
| Average earning assets | $89,466,600 | 5,101 |
| Average equity | $9,593,600 | 5,537 |
| Average total loans | $59,499,600 | 5,288 |