Home > Crawford County Trust and Savings Bank > Performance and Condition Ratios
Crawford County Trust and Savings Bank, 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 | 4.2952% | 3,449 |
| Cost of funding earning assets | 0.9997% | 3,294 |
| Net interest margin | 3.2955% | 2,647 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 1.7611% | 4,054 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.6591% | 783 |
| Return on assets (ROA) | 1.6591% | 755 |
| Pretax return on assets | 1.7415% | 983 |
| Return on Equity (ROE) | 27.0700% | 248 |
| Retained earnings to average equity (ytd only) | 8.7429% | 1,317 |
| Net charge-offs to loans | 0.0147% | 2,109 |
| Credit loss provision to net charge-offs | 160.7143% | 1,405 |
| Earnings coverage of net charge-offs (x) | 169.9286% | 654 |
| Efficiency ratio | 50.0420% | 3,978 |
| Assets per employee ($millions) | 7.6944% | 1,594 |
| Cash dividends to net income (ytd only)* | 67.7060% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 2,675 |
| Loan loss allowance to noncurrent loans | 315.6069% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 1,430 |
| Noncurrent loans to loans | 0.3574% | 1,912 |
| Net loans and leases to total assets | 71.0800% | 1,685 |
| Net loans and leases to deposits | 77.4581% | 2,317 |
| Net loans and leases to core deposits | 87.0249% | 2,244 |
| Total domestic deposits to total assets | 91.7700% | 344 |
| Equity capital to assets | 6.6869% | 4,054 |
| Core capital (leverage) ratio | 8.4881% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3826% | 2,462 |
| Memoranda: | ||
| Average total assets | $270,633,600 | 2,574 |
| Average earning assets | $254,865,200 | 2,540 |
| Average equity | $16,584,800 | 3,129 |
| Average total loans | $190,428,200 | 2,358 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 3,488 |
| Cost of funding earning assets | 0.8682% | 3,348 |
| Net interest margin | 3.3234% | 2,634 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.7468% | 4,057 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6779% | 823 |
| Return on assets (ROA) | 1.6779% | 818 |
| Pretax return on assets | 1.7620% | 1,060 |
| Return on Equity (ROE) | 28.0100% | 272 |
| Retained earnings to average equity (ytd only) | 10.4337% | 1,283 |
| Net charge-offs to loans | 0.0169% | 1,795 |
| Credit loss provision to net charge-offs | 187.5000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 151.0833% | 724 |
| Efficiency ratio | 49.4705% | 3,952 |
| Assets per employee ($millions) | 6.9954% | 1,964 |
| Cash dividends to net income (ytd only)* | 62.7566% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,643 |
| Loan loss allowance to noncurrent loans | 289.0357% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 1,369 |
| Noncurrent loans to loans | 0.3964% | 1,836 |
| Net loans and leases to total assets | 71.0200% | 1,696 |
| Net loans and leases to deposits | 78.9875% | 2,145 |
| Net loans and leases to core deposits | 86.5710% | 2,151 |
| Total domestic deposits to total assets | 89.9100% | 966 |
| Equity capital to assets | 6.0735% | 3,963 |
| Core capital (leverage) ratio | 8.4758% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4413% | 2,469 |
| Memoranda: | ||
| Average total assets | $270,966,000 | 2,574 |
| Average earning assets | $255,393,750 | 2,545 |
| Average equity | $16,229,000 | 3,148 |
| Average total loans | $189,631,000 | 2,364 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 3,586 |
| Cost of funding earning assets | 0.7546% | 3,336 |
| Net interest margin | 3.2955% | 2,760 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.7031% | 4,143 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.7024% | 777 |
| Return on assets (ROA) | 1.7024% | 778 |
| Pretax return on assets | 1.7897% | 1,032 |
| Return on Equity (ROE) | 28.5500% | 250 |
| Retained earnings to average equity (ytd only) | 11.4535% | 1,086 |
| Net charge-offs to loans | 0.0063% | 2,009 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 411.6667% | 350 |
| Efficiency ratio | 48.4558% | 4,035 |
| Assets per employee ($millions) | 6.7854% | 2,078 |
| Cash dividends to net income (ytd only)* | 59.8880% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,703 |
| Loan loss allowance to noncurrent loans | 535.6968% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 1,769 |
| Noncurrent loans to loans | 0.2150% | 2,406 |
| Net loans and leases to total assets | 69.2900% | 1,820 |
| Net loans and leases to deposits | 73.9600% | 2,499 |
| Net loans and leases to core deposits | 80.5818% | 2,433 |
| Total domestic deposits to total assets | 93.6800% | 174 |
| Equity capital to assets | 6.0368% | 4,137 |
| Core capital (leverage) ratio | 8.1931% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4280% | 2,492 |
| Memoranda: | ||
| Average total assets | $272,679,000 | 2,571 |
| Average earning assets | $257,624,333 | 2,542 |
| Average equity | $16,257,000 | 3,166 |
| Average total loans | $189,185,000 | 2,359 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 3,699 |
| Cost of funding earning assets | 0.6367% | 3,272 |
| Net interest margin | 3.2500% | 2,992 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.7080% | 4,188 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.6523% | 900 |
| Return on assets (ROA) | 1.6523% | 903 |
| Pretax return on assets | 1.7416% | 1,188 |
| Return on Equity (ROE) | 27.8900% | 294 |
| Retained earnings to average equity (ytd only) | 9.3621% | 1,848 |
| Net charge-offs to loans | -0.0085% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.3029% | 3,995 |
| Assets per employee ($millions) | 7.1986% | 1,822 |
| Cash dividends to net income (ytd only)* | 66.4305% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,835 |
| Loan loss allowance to noncurrent loans | 94.8261% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 426 |
| Noncurrent loans to loans | 1.2069% | 570 |
| Net loans and leases to total assets | 68.8700% | 1,741 |
| Net loans and leases to deposits | 73.5806% | 2,327 |
| Net loans and leases to core deposits | 79.8625% | 2,268 |
| Total domestic deposits to total assets | 93.6000% | 214 |
| Equity capital to assets | 6.1189% | 4,163 |
| Core capital (leverage) ratio | 7.9332% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0600% | 2,712 |
| Memoranda: | ||
| Average total assets | $273,310,000 | 2,595 |
| Average earning assets | $258,219,000 | 2,569 |
| Average equity | $16,193,000 | 3,200 |
| Average total loans | $188,655,500 | 2,383 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1597% | 3,891 |
| Cost of funding earning assets | 0.2472% | 3,349 |
| Net interest margin | 2.9125% | 3,651 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.6625% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4291% | 1,052 |
| Return on assets (ROA) | 1.4291% | 1,019 |
| Pretax return on assets | 1.5033% | 1,448 |
| Return on Equity (ROE) | 22.6800% | 294 |
| Retained earnings to average equity (ytd only) | 8.2697% | 1,731 |
| Net charge-offs to loans | -0.0915% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.5142% | 3,937 |
| Assets per employee ($millions) | 7.3804% | 1,698 |
| Cash dividends to net income (ytd only)* | 63.5452% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,578 |
| Loan loss allowance to noncurrent loans | 2,642.6829% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,381 |
| Noncurrent loans to loans | 0.0439% | 3,446 |
| Net loans and leases to total assets | 67.5900% | 1,875 |
| Net loans and leases to deposits | 72.6365% | 2,356 |
| Net loans and leases to core deposits | 79.0771% | 2,193 |
| Total domestic deposits to total assets | 93.0500% | 393 |
| Equity capital to assets | 5.7303% | 4,174 |
| Core capital (leverage) ratio | 7.9777% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1461% | 2,689 |
| Memoranda: | ||
| Average total assets | $271,995,200 | 2,596 |
| Average earning assets | $257,648,400 | 2,565 |
| Average equity | $17,134,800 | 3,196 |
| Average total loans | $173,862,400 | 2,419 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0086% | 3,874 |
| Cost of funding earning assets | 0.2019% | 3,249 |
| Net interest margin | 2.8067% | 3,722 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.6001% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4068% | 1,073 |
| Return on assets (ROA) | 1.4068% | 1,044 |
| Pretax return on assets | 1.4784% | 1,474 |
| Return on Equity (ROE) | 21.8400% | 299 |
| Retained earnings to average equity (ytd only) | 8.5071% | 1,821 |
| Net charge-offs to loans | -0.1297% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.9764% | 4,009 |
| Assets per employee ($millions) | 7.0498% | 1,909 |
| Cash dividends to net income (ytd only)* | 61.0394% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,420 |
| Loan loss allowance to noncurrent loans | 1,541.8440% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 2,326 |
| Noncurrent loans to loans | 0.0792% | 3,308 |
| Net loans and leases to total assets | 65.6800% | 1,920 |
| Net loans and leases to deposits | 69.8797% | 2,372 |
| Net loans and leases to core deposits | 75.8020% | 2,211 |
| Total domestic deposits to total assets | 93.9900% | 359 |
| Equity capital to assets | 5.7721% | 4,049 |
| Core capital (leverage) ratio | 7.8292% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4705% | 2,663 |
| Memoranda: | ||
| Average total assets | $271,725,250 | 2,616 |
| Average earning assets | $257,518,500 | 2,586 |
| Average equity | $17,506,500 | 3,197 |
| Average total loans | $170,643,000 | 2,450 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8075% | 3,959 |
| Cost of funding earning assets | 0.1976% | 2,945 |
| Net interest margin | 2.6099% | 3,888 |
| Noninterest income to average assets | 0.4190% | 2,637 |
| Noninterest expense to average assets | 1.5597% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2711% | 1,219 |
| Return on assets (ROA) | 1.2711% | 1,201 |
| Pretax return on assets | 1.3370% | 1,623 |
| Return on Equity (ROE) | 19.0789% | 381 |
| Retained earnings to average equity (ytd only) | 6.9828% | 1,996 |
| Net charge-offs to loans | 0.0523% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 41.4773% | 1,243 |
| Efficiency ratio | 53.8442% | 3,978 |
| Assets per employee ($millions) | 7.7623% | 1,442 |
| Cash dividends to net income (ytd only)* | 63.4006% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,691 |
| Loan loss allowance to noncurrent loans | 608.0495% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 2,842 |
| Noncurrent loans to loans | 0.1969% | 2,721 |
| Net loans and leases to total assets | 58.0137% | 2,536 |
| Net loans and leases to deposits | 61.8260% | 2,898 |
| Net loans and leases to core deposits | 66.1447% | 2,805 |
| Total domestic deposits to total assets | 93.8338% | 314 |
| Equity capital to assets | 6.0059% | 4,197 |
| Core capital (leverage) ratio | 7.5366% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1045% | 2,449 |
| Memoranda: | ||
| Average total assets | $273,002,333 | 2,629 |
| Average earning assets | $259,163,000 | 2,605 |
| Average equity | $18,187,667 | 3,219 |
| Average total loans | $168,146,000 | 2,482 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7180% | 3,907 |
| Cost of funding earning assets | 0.1970% | 2,844 |
| Net interest margin | 2.5210% | 3,862 |
| Noninterest income to average assets | 0.4048% | 2,653 |
| Noninterest expense to average assets | 1.5776% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1758% | 1,313 |
| Return on assets (ROA) | 1.1758% | 1,311 |
| Pretax return on assets | 1.2365% | 1,688 |
| Return on Equity (ROE) | 16.7920% | 446 |
| Retained earnings to average equity (ytd only) | 4.0868% | 2,904 |
| Net charge-offs to loans | 0.0376% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 52.1250% | 909 |
| Efficiency ratio | 56.0590% | 3,875 |
| Assets per employee ($millions) | 8.3798% | 1,174 |
| Cash dividends to net income (ytd only)* | 75.6620% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,911 |
| Loan loss allowance to noncurrent loans | 612.9231% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,928 |
| Noncurrent loans to loans | 0.1940% | 2,844 |
| Net loans and leases to total assets | 59.8514% | 2,085 |
| Net loans and leases to deposits | 64.0926% | 2,521 |
| Net loans and leases to core deposits | 68.6087% | 2,404 |
| Total domestic deposits to total assets | 93.3827% | 187 |
| Equity capital to assets | 6.4455% | 4,448 |
| Core capital (leverage) ratio | 7.6128% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6952% | 2,719 |
| Memoranda: | ||
| Average total assets | $269,783,000 | 2,665 |
| Average earning assets | $257,838,000 | 2,622 |
| Average equity | $18,890,000 | 3,243 |
| Average total loans | $170,180,000 | 2,457 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 3,183 |
| Cost of funding earning assets | 0.2433% | 3,018 |
| Net interest margin | 3.0649% | 3,009 |
| Noninterest income to average assets | 0.4772% | 2,690 |
| Noninterest expense to average assets | 1.8657% | 4,006 |
| Loan and lease loss provision to assets | 0.0972% | 1,280 |
| Net operating income to assets | 1.3721% | 1,368 |
| Return on assets (ROA) | 1.3721% | 1,418 |
| Pretax return on assets | 1.4443% | 1,900 |
| Return on Equity (ROE) | 17.0497% | 583 |
| Retained earnings to average equity (ytd only) | 4.9811% | 2,789 |
| Net charge-offs to loans | 0.0324% | 1,589 |
| Credit loss provision to net charge-offs | 440.0000% | 866 |
| Earnings coverage of net charge-offs (x) | 69.7818% | 1,077 |
| Efficiency ratio | 54.7330% | 3,851 |
| Assets per employee ($millions) | 7.3065% | 1,721 |
| Cash dividends to net income (ytd only)* | 70.7845% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,073 |
| Loan loss allowance to noncurrent loans | 641.5335% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 3,045 |
| Noncurrent loans to loans | 0.1811% | 3,039 |
| Net loans and leases to total assets | 64.9542% | 1,589 |
| Net loans and leases to deposits | 70.4514% | 2,080 |
| Net loans and leases to core deposits | 75.0977% | 1,988 |
| Total domestic deposits to total assets | 92.1972% | 132 |
| Equity capital to assets | 7.5869% | 4,557 |
| Core capital (leverage) ratio | 7.8368% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4491% | 2,785 |
| Memoranda: | ||
| Average total assets | $248,970,400 | 2,739 |
| Average earning assets | $238,017,400 | 2,690 |
| Average equity | $20,035,600 | 3,216 |
| Average total loans | $169,939,000 | 2,467 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 3,140 |
| Cost of funding earning assets | 0.2534% | 3,086 |
| Net interest margin | 3.1323% | 2,954 |
| Noninterest income to average assets | 0.4644% | 2,777 |
| Noninterest expense to average assets | 1.9034% | 3,938 |
| Loan and lease loss provision to assets | 0.1275% | 912 |
| Net operating income to assets | 1.3564% | 1,668 |
| Return on assets (ROA) | 1.3564% | 1,726 |
| Pretax return on assets | 1.4275% | 2,223 |
| Return on Equity (ROE) | 16.6002% | 832 |
| Retained earnings to average equity (ytd only) | 5.5511% | 3,022 |
| Net charge-offs to loans | 0.0260% | 1,520 |
| Credit loss provision to net charge-offs | 712.1212% | 637 |
| Earnings coverage of net charge-offs (x) | 86.7576% | 936 |
| Efficiency ratio | 55.0024% | 3,659 |
| Assets per employee ($millions) | 6.8049% | 2,013 |
| Cash dividends to net income (ytd only)* | 66.5599% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,053 |
| Loan loss allowance to noncurrent loans | 467.2055% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 2,906 |
| Noncurrent loans to loans | 0.2537% | 2,915 |
| Net loans and leases to total assets | 66.9912% | 1,431 |
| Net loans and leases to deposits | 73.0652% | 1,952 |
| Net loans and leases to core deposits | 78.3409% | 1,869 |
| Total domestic deposits to total assets | 91.6868% | 190 |
| Equity capital to assets | 8.0602% | 4,491 |
| Core capital (leverage) ratio | 8.1042% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4658% | 2,871 |
| Memoranda: | ||
| Average total assets | $245,454,750 | 2,782 |
| Average earning assets | $234,628,000 | 2,738 |
| Average equity | $20,055,500 | 3,248 |
| Average total loans | $169,209,000 | 2,507 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2553% | 3,545 |
| Cost of funding earning assets | 0.2642% | 3,148 |
| Net interest margin | 2.9911% | 3,346 |
| Noninterest income to average assets | 0.4701% | 2,753 |
| Noninterest expense to average assets | 1.8969% | 3,972 |
| Loan and lease loss provision to assets | 0.1356% | 906 |
| Net operating income to assets | 1.2287% | 2,084 |
| Return on assets (ROA) | 1.2287% | 2,153 |
| Pretax return on assets | 1.2936% | 2,649 |
| Return on Equity (ROE) | 14.9680% | 1,166 |
| Retained earnings to average equity (ytd only) | 4.3753% | 3,405 |
| Net charge-offs to loans | 0.0012% | 2,194 |
| Credit loss provision to net charge-offs | 16,500.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,739.0000% | 66 |
| Efficiency ratio | 56.9805% | 3,412 |
| Assets per employee ($millions) | 6.8714% | 1,894 |
| Cash dividends to net income (ytd only)* | 70.7692% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,208 |
| Loan loss allowance to noncurrent loans | 605.1829% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 3,304 |
| Noncurrent loans to loans | 0.1895% | 3,284 |
| Net loans and leases to total assets | 69.1546% | 1,304 |
| Net loans and leases to deposits | 75.4183% | 1,877 |
| Net loans and leases to core deposits | 81.1584% | 1,779 |
| Total domestic deposits to total assets | 91.6947% | 194 |
| Equity capital to assets | 8.1048% | 4,477 |
| Core capital (leverage) ratio | 8.0048% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4318% | 2,878 |
| Memoranda: | ||
| Average total assets | $243,346,000 | 2,788 |
| Average earning assets | $232,358,000 | 2,744 |
| Average equity | $19,976,000 | 3,244 |
| Average total loans | $168,714,000 | 2,521 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1116% | 3,858 |
| Cost of funding earning assets | 0.2726% | 3,244 |
| Net interest margin | 2.8390% | 3,673 |
| Noninterest income to average assets | 0.4890% | 2,659 |
| Noninterest expense to average assets | 1.9525% | 3,850 |
| Loan and lease loss provision to assets | 0.1657% | 760 |
| Net operating income to assets | 1.0260% | 2,725 |
| Return on assets (ROA) | 1.0260% | 2,805 |
| Pretax return on assets | 1.0807% | 3,162 |
| Return on Equity (ROE) | 12.4176% | 1,865 |
| Retained earnings to average equity (ytd only) | 0.3009% | 4,328 |
| Net charge-offs to loans | 0.0072% | 1,642 |
| Credit loss provision to net charge-offs | 3,333.3333% | 167 |
| Earnings coverage of net charge-offs (x) | 250.6667% | 344 |
| Efficiency ratio | 60.9326% | 2,915 |
| Assets per employee ($millions) | 6.6608% | 2,043 |
| Cash dividends to net income (ytd only)* | 97.5767% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,313 |
| Loan loss allowance to noncurrent loans | 446.0465% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 3,188 |
| Noncurrent loans to loans | 0.2522% | 3,195 |
| Net loans and leases to total assets | 68.4151% | 1,476 |
| Net loans and leases to deposits | 74.4989% | 2,070 |
| Net loans and leases to core deposits | 80.4689% | 1,961 |
| Total domestic deposits to total assets | 91.8336% | 180 |
| Equity capital to assets | 8.0016% | 4,486 |
| Core capital (leverage) ratio | 8.1162% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3082% | 2,866 |
| Memoranda: | ||
| Average total assets | $241,333,000 | 2,789 |
| Average earning assets | $230,365,500 | 2,747 |
| Average equity | $19,939,500 | 3,238 |
| Average total loans | $166,544,000 | 2,538 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 2,885 |
| Cost of funding earning assets | 0.4719% | 3,139 |
| Net interest margin | 3.4760% | 2,548 |
| Noninterest income to average assets | 0.7917% | 1,552 |
| Noninterest expense to average assets | 2.3331% | 3,316 |
| Loan and lease loss provision to assets | 0.1535% | 2,457 |
| Net operating income to assets | 1.5270% | 752 |
| Return on assets (ROA) | 1.5270% | 817 |
| Pretax return on assets | 1.6075% | 1,059 |
| Return on Equity (ROE) | 16.5999% | 446 |
| Retained earnings to average equity (ytd only) | 2.4624% | 3,623 |
| Net charge-offs to loans | 0.2089% | 831 |
| Credit loss provision to net charge-offs | 99.3976% | 2,850 |
| Earnings coverage of net charge-offs (x) | 11.4036% | 2,404 |
| Efficiency ratio | 56.6803% | 3,899 |
| Assets per employee ($millions) | 5.7614% | 2,569 |
| Cash dividends to net income (ytd only)* | 85.1660% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,361 |
| Loan loss allowance to noncurrent loans | 306.0504% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 2,996 |
| Noncurrent loans to loans | 0.3660% | 2,889 |
| Net loans and leases to total assets | 68.0479% | 1,823 |
| Net loans and leases to deposits | 74.5900% | 2,422 |
| Net loans and leases to core deposits | 79.8736% | 2,379 |
| Total domestic deposits to total assets | 91.2292% | 172 |
| Equity capital to assets | 8.5341% | 4,422 |
| Core capital (leverage) ratio | 8.3935% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6728% | 2,747 |
| Memoranda: | ||
| Average total assets | $214,990,200 | 2,829 |
| Average earning assets | $204,260,600 | 2,792 |
| Average equity | $19,777,200 | 3,209 |
| Average total loans | $158,906,000 | 2,570 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 2,954 |
| Cost of funding earning assets | 0.5181% | 3,120 |
| Net interest margin | 3.4888% | 2,625 |
| Noninterest income to average assets | 0.7255% | 1,716 |
| Noninterest expense to average assets | 2.3940% | 3,151 |
| Loan and lease loss provision to assets | 0.0191% | 4,093 |
| Net operating income to assets | 1.5318% | 847 |
| Return on assets (ROA) | 1.5318% | 923 |
| Pretax return on assets | 1.6221% | 1,124 |
| Return on Equity (ROE) | 16.3193% | 510 |
| Retained earnings to average equity (ytd only) | 2.1610% | 3,871 |
| Net charge-offs to loans | 0.0186% | 2,484 |
| Credit loss provision to net charge-offs | 136.3636% | 2,408 |
| Earnings coverage of net charge-offs (x) | 117.3182% | 703 |
| Efficiency ratio | 59.0136% | 3,520 |
| Assets per employee ($millions) | 5.6347% | 2,591 |
| Cash dividends to net income (ytd only)* | 86.7580% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,044 |
| Loan loss allowance to noncurrent loans | 271.2593% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 2,878 |
| Noncurrent loans to loans | 0.4162% | 2,811 |
| Net loans and leases to total assets | 72.9756% | 1,504 |
| Net loans and leases to deposits | 80.7364% | 2,233 |
| Net loans and leases to core deposits | 85.7774% | 2,319 |
| Total domestic deposits to total assets | 90.3874% | 312 |
| Equity capital to assets | 9.1353% | 4,011 |
| Core capital (leverage) ratio | 8.8113% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3864% | 2,463 |
| Memoranda: | ||
| Average total assets | $209,683,750 | 2,850 |
| Average earning assets | $198,916,000 | 2,816 |
| Average equity | $19,681,750 | 3,220 |
| Average total loans | $157,992,250 | 2,591 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 2,979 |
| Cost of funding earning assets | 0.5528% | 3,221 |
| Net interest margin | 3.5736% | 2,566 |
| Noninterest income to average assets | 0.6931% | 1,763 |
| Noninterest expense to average assets | 2.4214% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5567% | 834 |
| Return on assets (ROA) | 1.5567% | 906 |
| Pretax return on assets | 1.6556% | 1,090 |
| Return on Equity (ROE) | 16.4291% | 497 |
| Retained earnings to average equity (ytd only) | 1.7595% | 3,849 |
| Net charge-offs to loans | 0.0102% | 2,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 213.5000% | 420 |
| Efficiency ratio | 59.0585% | 3,544 |
| Assets per employee ($millions) | 5.4602% | 2,678 |
| Cash dividends to net income (ytd only)* | 89.2902% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 2,941 |
| Loan loss allowance to noncurrent loans | 308.1494% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 3,205 |
| Noncurrent loans to loans | 0.3630% | 3,102 |
| Net loans and leases to total assets | 73.4555% | 1,485 |
| Net loans and leases to deposits | 81.2359% | 2,289 |
| Net loans and leases to core deposits | 86.6600% | 2,384 |
| Total domestic deposits to total assets | 90.4225% | 294 |
| Equity capital to assets | 9.1426% | 3,967 |
| Core capital (leverage) ratio | 8.9658% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3455% | 2,465 |
| Memoranda: | ||
| Average total assets | $206,327,333 | 2,851 |
| Average earning assets | $195,379,000 | 2,827 |
| Average equity | $19,550,667 | 3,220 |
| Average total loans | $156,590,667 | 2,596 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,910 |
| Cost of funding earning assets | 0.5765% | 3,556 |
| Net interest margin | 3.7270% | 2,229 |
| Noninterest income to average assets | 0.7250% | 1,550 |
| Noninterest expense to average assets | 2.5204% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6436% | 569 |
| Return on assets (ROA) | 1.6436% | 627 |
| Pretax return on assets | 1.7295% | 817 |
| Return on Equity (ROE) | 17.0200% | 338 |
| Retained earnings to average equity (ytd only) | 1.9646% | 3,452 |
| Net charge-offs to loans | 0.0156% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 144.3333% | 445 |
| Efficiency ratio | 58.9756% | 3,878 |
| Assets per employee ($millions) | 4.8929% | 2,763 |
| Cash dividends to net income (ytd only)* | 88.4569% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 2,762 |
| Loan loss allowance to noncurrent loans | 540.7738% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 3,777 |
| Noncurrent loans to loans | 0.2187% | 3,699 |
| Net loans and leases to total assets | 75.6829% | 1,355 |
| Net loans and leases to deposits | 84.0876% | 2,214 |
| Net loans and leases to core deposits | 90.2190% | 2,320 |
| Total domestic deposits to total assets | 90.0049% | 319 |
| Equity capital to assets | 9.6885% | 4,054 |
| Core capital (leverage) ratio | 9.6110% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3852% | 2,535 |
| Memoranda: | ||
| Average total assets | $200,287,500 | 2,867 |
| Average earning assets | $189,427,500 | 2,834 |
| Average equity | $19,342,000 | 3,231 |
| Average total loans | $153,762,500 | 2,604 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 2,822 |
| Cost of funding earning assets | 0.5585% | 3,832 |
| Net interest margin | 3.9774% | 1,917 |
| Noninterest income to average assets | 0.8401% | 1,330 |
| Noninterest expense to average assets | 2.6468% | 3,039 |
| Loan and lease loss provision to assets | 0.0206% | 3,608 |
| Net operating income to assets | 1.8266% | 501 |
| Return on assets (ROA) | 1.8438% | 509 |
| Pretax return on assets | 1.9407% | 678 |
| Return on Equity (ROE) | 19.0283% | 267 |
| Retained earnings to average equity (ytd only) | 3.9228% | 3,006 |
| Net charge-offs to loans | 0.0451% | 2,482 |
| Credit loss provision to net charge-offs | 57.9710% | 3,061 |
| Earnings coverage of net charge-offs (x) | 54.6087% | 1,050 |
| Efficiency ratio | 57.3596% | 4,042 |
| Assets per employee ($millions) | 4.8772% | 2,737 |
| Cash dividends to net income (ytd only)* | 79.3846% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,514 |
| Loan loss allowance to noncurrent loans | 454.6135% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 3,618 |
| Noncurrent loans to loans | 0.2606% | 3,512 |
| Net loans and leases to total assets | 76.0420% | 1,405 |
| Net loans and leases to deposits | 84.4946% | 2,280 |
| Net loans and leases to core deposits | 89.9992% | 2,427 |
| Total domestic deposits to total assets | 89.9963% | 320 |
| Equity capital to assets | 9.6256% | 4,243 |
| Core capital (leverage) ratio | 9.6465% | 3,906 |
| Tier 1 risk-based capital ratio | 12.0661% | 4,325 |
| Total risk-based capital ratio | 13.2300% | 4,249 |
| Memoranda: | ||
| Average total assets | $193,895,400 | 2,887 |
| Average earning assets | $182,809,800 | 2,856 |
| Average equity | $18,787,800 | 3,249 |
| Average total loans | $153,051,600 | 2,587 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 2,812 |
| Cost of funding earning assets | 0.5493% | 3,931 |
| Net interest margin | 4.0250% | 1,848 |
| Noninterest income to average assets | 0.7672% | 1,531 |
| Noninterest expense to average assets | 2.6330% | 3,068 |
| Loan and lease loss provision to assets | 0.0277% | 3,349 |
| Net operating income to assets | 1.8046% | 613 |
| Return on assets (ROA) | 1.8276% | 612 |
| Pretax return on assets | 1.9246% | 820 |
| Return on Equity (ROE) | 18.8291% | 324 |
| Retained earnings to average equity (ytd only) | 3.6059% | 3,599 |
| Net charge-offs to loans | 0.0593% | 1,973 |
| Credit loss provision to net charge-offs | 58.8235% | 2,719 |
| Earnings coverage of net charge-offs (x) | 40.9137% | 1,359 |
| Efficiency ratio | 57.4229% | 4,009 |
| Assets per employee ($millions) | 4.8217% | 2,767 |
| Cash dividends to net income (ytd only)* | 80.8496% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,547 |
| Loan loss allowance to noncurrent loans | 554.4073% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,848 |
| Noncurrent loans to loans | 0.2151% | 3,766 |
| Net loans and leases to total assets | 78.3613% | 1,084 |
| Net loans and leases to deposits | 87.3707% | 2,013 |
| Net loans and leases to core deposits | 93.8225% | 2,195 |
| Total domestic deposits to total assets | 89.6882% | 376 |
| Equity capital to assets | 9.9265% | 4,094 |
| Core capital (leverage) ratio | 9.8690% | 3,765 |
| Tier 1 risk-based capital ratio | 12.1974% | 4,313 |
| Total risk-based capital ratio | 13.3897% | 4,237 |
| Memoranda: | ||
| Average total assets | $192,377,500 | 2,927 |
| Average earning assets | $181,329,250 | 2,892 |
| Average equity | $18,672,750 | 3,284 |
| Average total loans | $152,844,000 | 2,616 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 2,881 |
| Cost of funding earning assets | 0.5293% | 3,993 |
| Net interest margin | 4.0123% | 1,885 |
| Noninterest income to average assets | 0.7440% | 1,546 |
| Noninterest expense to average assets | 2.6283% | 3,123 |
| Loan and lease loss provision to assets | 0.0416% | 2,983 |
| Net operating income to assets | 1.7751% | 628 |
| Return on assets (ROA) | 1.7751% | 648 |
| Pretax return on assets | 1.8677% | 897 |
| Return on Equity (ROE) | 18.4280% | 359 |
| Retained earnings to average equity (ytd only) | 3.0245% | 3,707 |
| Net charge-offs to loans | 0.0681% | 1,682 |
| Credit loss provision to net charge-offs | 76.9231% | 2,256 |
| Earnings coverage of net charge-offs (x) | 35.2885% | 1,331 |
| Efficiency ratio | 57.6015% | 4,057 |
| Assets per employee ($millions) | 4.7773% | 2,769 |
| Cash dividends to net income (ytd only)* | 83.5873% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,400 |
| Loan loss allowance to noncurrent loans | 333.9383% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,345 |
| Noncurrent loans to loans | 0.3662% | 3,210 |
| Net loans and leases to total assets | 77.7822% | 1,261 |
| Net loans and leases to deposits | 86.6044% | 2,187 |
| Net loans and leases to core deposits | 91.0123% | 2,507 |
| Total domestic deposits to total assets | 89.8132% | 386 |
| Equity capital to assets | 9.8854% | 4,071 |
| Core capital (leverage) ratio | 9.6246% | 4,004 |
| Tier 1 risk-based capital ratio | 12.2506% | 4,265 |
| Total risk-based capital ratio | 13.4736% | 4,157 |
| Memoranda: | ||
| Average total assets | $192,214,330 | 2,940 |
| Average earning assets | $181,739,330 | 2,899 |
| Average equity | $18,515,330 | 3,294 |
| Average total loans | $152,806,330 | 2,633 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 2,931 |
| Cost of funding earning assets | 0.5096% | 4,017 |
| Net interest margin | 3.9717% | 1,941 |
| Noninterest income to average assets | 0.7117% | 1,572 |
| Noninterest expense to average assets | 2.6144% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7575% | 644 |
| Return on assets (ROA) | 1.7575% | 662 |
| Pretax return on assets | 1.8488% | 875 |
| Return on Equity (ROE) | 18.4854% | 362 |
| Retained earnings to average equity (ytd only) | 3.0773% | 3,705 |
| Net charge-offs to loans | 0.0286% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 766 |
| Efficiency ratio | 58.2520% | 4,049 |
| Assets per employee ($millions) | 4.8380% | 2,730 |
| Cash dividends to net income (ytd only)* | 83.3530% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,575 |
| Loan loss allowance to noncurrent loans | 356.0928% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 3,187 |
| Noncurrent loans to loans | 0.3370% | 3,369 |
| Net loans and leases to total assets | 78.3263% | 1,103 |
| Net loans and leases to deposits | 86.8805% | 2,014 |
| Net loans and leases to core deposits | 91.5270% | 2,344 |
| Total domestic deposits to total assets | 90.1540% | 398 |
| Equity capital to assets | 9.5670% | 4,194 |
| Core capital (leverage) ratio | 9.5164% | 4,115 |
| Tier 1 risk-based capital ratio | 12.0180% | 4,446 |
| Total risk-based capital ratio | 13.2281% | 4,364 |
| Memoranda: | ||
| Average total assets | $192,776,500 | 2,970 |
| Average earning assets | $182,087,000 | 2,926 |
| Average equity | $18,328,000 | 3,325 |
| Average total loans | $153,972,500 | 2,651 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 3,098 |
| Cost of funding earning assets | 0.3814% | 4,098 |
| Net interest margin | 3.9232% | 2,250 |
| Noninterest income to average assets | 0.8841% | 1,216 |
| Noninterest expense to average assets | 2.9502% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5382% | 1,026 |
| Return on assets (ROA) | 1.5382% | 1,017 |
| Pretax return on assets | 1.6186% | 1,407 |
| Return on Equity (ROE) | 16.6999% | 522 |
| Retained earnings to average equity (ytd only) | 3.4662% | 3,678 |
| Net charge-offs to loans | 0.0162% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 124.7200% | 636 |
| Efficiency ratio | 64.2654% | 3,148 |
| Assets per employee ($millions) | 4.8008% | 2,744 |
| Cash dividends to net income (ytd only)* | 79.2440% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,582 |
| Loan loss allowance to noncurrent loans | 339.1941% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 3,392 |
| Noncurrent loans to loans | 0.3533% | 3,279 |
| Net loans and leases to total assets | 79.5046% | 1,018 |
| Net loans and leases to deposits | 88.6882% | 1,966 |
| Net loans and leases to core deposits | 92.0555% | 2,404 |
| Total domestic deposits to total assets | 89.6450% | 602 |
| Equity capital to assets | 9.4473% | 4,169 |
| Core capital (leverage) ratio | 9.5518% | 4,058 |
| Tier 1 risk-based capital ratio | 11.7666% | 4,583 |
| Total risk-based capital ratio | 12.9682% | 4,489 |
| Memoranda: | ||
| Average total assets | $192,631,800 | 2,937 |
| Average earning assets | $180,923,400 | 2,912 |
| Average equity | $17,742,600 | 3,325 |
| Average total loans | $154,211,600 | 2,598 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 3,127 |
| Cost of funding earning assets | 0.3607% | 4,109 |
| Net interest margin | 3.8958% | 2,322 |
| Noninterest income to average assets | 0.8182% | 1,417 |
| Noninterest expense to average assets | 2.9878% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4157% | 1,430 |
| Return on assets (ROA) | 1.4157% | 1,433 |
| Pretax return on assets | 1.4904% | 1,934 |
| Return on Equity (ROE) | 15.4696% | 788 |
| Retained earnings to average equity (ytd only) | 3.0607% | 4,210 |
| Net charge-offs to loans | 0.0138% | 2,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 134.7051% | 600 |
| Efficiency ratio | 66.4093% | 2,796 |
| Assets per employee ($millions) | 4.7443% | 2,788 |
| Cash dividends to net income (ytd only)* | 80.2149% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,591 |
| Loan loss allowance to noncurrent loans | 328.7986% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 3,452 |
| Noncurrent loans to loans | 0.3669% | 3,331 |
| Net loans and leases to total assets | 80.3052% | 970 |
| Net loans and leases to deposits | 89.4175% | 1,968 |
| Net loans and leases to core deposits | 96.3428% | 2,081 |
| Total domestic deposits to total assets | 89.8093% | 570 |
| Equity capital to assets | 9.3218% | 4,251 |
| Core capital (leverage) ratio | 9.4698% | 4,213 |
| Tier 1 risk-based capital ratio | 11.6463% | 4,706 |
| Total risk-based capital ratio | 12.8558% | 4,616 |
| Memoranda: | ||
| Average total assets | $192,781,500 | 2,959 |
| Average earning assets | $181,111,250 | 2,935 |
| Average equity | $17,642,750 | 3,360 |
| Average total loans | $154,132,750 | 2,611 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 3,227 |
| Cost of funding earning assets | 0.3314% | 4,198 |
| Net interest margin | 3.8323% | 2,442 |
| Noninterest income to average assets | 0.7637% | 1,596 |
| Noninterest expense to average assets | 3.0054% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2839% | 1,844 |
| Return on assets (ROA) | 1.2839% | 1,846 |
| Pretax return on assets | 1.3510% | 2,321 |
| Return on Equity (ROE) | 14.1147% | 1,048 |
| Retained earnings to average equity (ytd only) | 3.4946% | 3,839 |
| Net charge-offs to loans | 0.0208% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 81.8125% | 813 |
| Efficiency ratio | 68.6567% | 2,535 |
| Assets per employee ($millions) | 4.3724% | 3,316 |
| Cash dividends to net income (ytd only)* | 75.2412% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,587 |
| Loan loss allowance to noncurrent loans | 662.2776% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 4,053 |
| Noncurrent loans to loans | 0.1847% | 4,078 |
| Net loans and leases to total assets | 79.9447% | 1,032 |
| Net loans and leases to deposits | 88.4904% | 2,049 |
| Net loans and leases to core deposits | 92.7186% | 2,335 |
| Total domestic deposits to total assets | 90.3428% | 454 |
| Equity capital to assets | 9.4110% | 4,181 |
| Core capital (leverage) ratio | 9.3511% | 4,298 |
| Tier 1 risk-based capital ratio | 11.7726% | 4,638 |
| Total risk-based capital ratio | 13.0024% | 4,529 |
| Memoranda: | ||
| Average total assets | $193,785,000 | 2,963 |
| Average earning assets | $181,665,330 | 2,946 |
| Average equity | $17,627,000 | 3,379 |
| Average total loans | $154,091,330 | 2,617 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,350 |
| Cost of funding earning assets | 0.3330% | 4,115 |
| Net interest margin | 3.7326% | 2,676 |
| Noninterest income to average assets | 0.6935% | 1,858 |
| Noninterest expense to average assets | 3.3294% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8115% | 3,662 |
| Return on assets (ROA) | 0.8115% | 3,669 |
| Pretax return on assets | 0.8522% | 4,004 |
| Return on Equity (ROE) | 9.0715% | 2,879 |
| Retained earnings to average equity (ytd only) | 2.7055% | 4,093 |
| Net charge-offs to loans | 0.0361% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 29.9286% | 1,241 |
| Efficiency ratio | 79.2802% | 1,225 |
| Assets per employee ($millions) | 4.7506% | 2,792 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,689 |
| Loan loss allowance to noncurrent loans | 509.0164% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 4,082 |
| Noncurrent loans to loans | 0.2396% | 3,912 |
| Net loans and leases to total assets | 77.4657% | 1,318 |
| Net loans and leases to deposits | 85.3686% | 2,249 |
| Net loans and leases to core deposits | 89.4402% | 2,496 |
| Total domestic deposits to total assets | 90.7426% | 401 |
| Equity capital to assets | 9.0110% | 4,544 |
| Core capital (leverage) ratio | 9.1148% | 4,550 |
| Tier 1 risk-based capital ratio | 11.5139% | 4,855 |
| Total risk-based capital ratio | 12.7312% | 4,769 |
| Memoranda: | ||
| Average total assets | $196,670,000 | 2,962 |
| Average earning assets | $183,786,000 | 2,955 |
| Average equity | $17,593,500 | 3,409 |
| Average total loans | $155,052,500 | 2,628 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,583 |
| Cost of funding earning assets | 0.2966% | 4,172 |
| Net interest margin | 3.6493% | 2,990 |
| Noninterest income to average assets | 0.5943% | 2,475 |
| Noninterest expense to average assets | 2.3130% | 4,290 |
| Loan and lease loss provision to assets | 0.0191% | 3,920 |
| Net operating income to assets | 1.5980% | 656 |
| Return on assets (ROA) | 1.5980% | 670 |
| Pretax return on assets | 1.6828% | 1,050 |
| Return on Equity (ROE) | 18.3117% | 283 |
| Retained earnings to average equity (ytd only) | 2.7310% | 3,680 |
| Net charge-offs to loans | 0.0670% | 2,511 |
| Credit loss provision to net charge-offs | 36.7647% | 3,473 |
| Earnings coverage of net charge-offs (x) | 32.7647% | 1,455 |
| Efficiency ratio | 57.6104% | 4,575 |
| Assets per employee ($millions) | 4.3648% | 3,385 |
| Cash dividends to net income (ytd only)* | 85.0860% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,886 |
| Loan loss allowance to noncurrent loans | 637.0370% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 4,422 |
| Noncurrent loans to loans | 0.1855% | 4,173 |
| Net loans and leases to total assets | 76.8825% | 1,448 |
| Net loans and leases to deposits | 89.1874% | 1,868 |
| Net loans and leases to core deposits | 90.2848% | 2,540 |
| Total domestic deposits to total assets | 86.2033% | 2,348 |
| Equity capital to assets | 8.7618% | 4,917 |
| Core capital (leverage) ratio | 8.8464% | 4,813 |
| Tier 1 risk-based capital ratio | 10.8623% | 5,223 |
| Total risk-based capital ratio | 11.9917% | 5,170 |
| Memoranda: | ||
| Average total assets | $130,910,800 | 3,734 |
| Average earning assets | $122,708,000 | 3,703 |
| Average equity | $11,424,400 | 4,234 |
| Average total loans | $101,505,000 | 3,324 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,642 |
| Cost of funding earning assets | 0.2955% | 4,171 |
| Net interest margin | 3.6188% | 3,074 |
| Noninterest income to average assets | 0.6172% | 2,379 |
| Noninterest expense to average assets | 2.2805% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6429% | 645 |
| Return on assets (ROA) | 1.6429% | 664 |
| Pretax return on assets | 1.7295% | 1,048 |
| Return on Equity (ROE) | 18.8448% | 288 |
| Retained earnings to average equity (ytd only) | 3.3063% | 3,961 |
| Net charge-offs to loans | 0.0394% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 56.5985% | 1,030 |
| Efficiency ratio | 56.8707% | 4,628 |
| Assets per employee ($millions) | 4.3869% | 3,332 |
| Cash dividends to net income (ytd only)* | 82.4552% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,980 |
| Loan loss allowance to noncurrent loans | 310.4592% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,879 |
| Noncurrent loans to loans | 0.3836% | 3,575 |
| Net loans and leases to total assets | 76.7210% | 1,465 |
| Net loans and leases to deposits | 84.7833% | 2,463 |
| Net loans and leases to core deposits | 90.8691% | 2,539 |
| Total domestic deposits to total assets | 90.4907% | 331 |
| Equity capital to assets | 8.8330% | 5,049 |
| Core capital (leverage) ratio | 8.8068% | 4,958 |
| Tier 1 risk-based capital ratio | 10.8572% | 5,315 |
| Total risk-based capital ratio | 12.0009% | 5,276 |
| Memoranda: | ||
| Average total assets | $130,902,500 | 3,774 |
| Average earning assets | $122,724,750 | 3,737 |
| Average equity | $11,412,250 | 4,277 |
| Average total loans | $101,412,000 | 3,357 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 3,650 |
| Cost of funding earning assets | 0.2794% | 4,298 |
| Net interest margin | 3.5915% | 3,072 |
| Noninterest income to average assets | 0.6046% | 2,434 |
| Noninterest expense to average assets | 2.2898% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5949% | 719 |
| Return on assets (ROA) | 1.5949% | 737 |
| Pretax return on assets | 1.6791% | 1,103 |
| Return on Equity (ROE) | 18.3753% | 305 |
| Retained earnings to average equity (ytd only) | 2.5041% | 4,188 |
| Net charge-offs to loans | 0.0593% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 36.5667% | 1,330 |
| Efficiency ratio | 57.6938% | 4,640 |
| Assets per employee ($millions) | 4.3600% | 3,327 |
| Cash dividends to net income (ytd only)* | 86.3724% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 3,042 |
| Loan loss allowance to noncurrent loans | 317.7546% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 3,963 |
| Noncurrent loans to loans | 0.3763% | 3,677 |
| Net loans and leases to total assets | 76.8832% | 1,400 |
| Net loans and leases to deposits | 85.2946% | 2,313 |
| Net loans and leases to core deposits | 90.2818% | 2,492 |
| Total domestic deposits to total assets | 90.1385% | 491 |
| Equity capital to assets | 8.7981% | 5,072 |
| Core capital (leverage) ratio | 8.7076% | 5,040 |
| Tier 1 risk-based capital ratio | 10.9955% | 5,253 |
| Total risk-based capital ratio | 12.1683% | 5,204 |
| Memoranda: | ||
| Average total assets | $130,667,330 | 3,795 |
| Average earning assets | $122,399,670 | 3,760 |
| Average equity | $11,341,330 | 4,303 |
| Average total loans | $101,153,330 | 3,377 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 3,725 |
| Cost of funding earning assets | 0.2725% | 4,331 |
| Net interest margin | 3.5387% | 3,129 |
| Noninterest income to average assets | 0.5789% | 2,515 |
| Noninterest expense to average assets | 2.3369% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4671% | 865 |
| Return on assets (ROA) | 1.4671% | 890 |
| Pretax return on assets | 1.5436% | 1,399 |
| Return on Equity (ROE) | 17.0190% | 409 |
| Retained earnings to average equity (ytd only) | -0.7461% | 5,035 |
| Net charge-offs to loans | 0.1031% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.3846% | 1,530 |
| Efficiency ratio | 60.2210% | 4,425 |
| Assets per employee ($millions) | 4.3383% | 3,437 |
| Cash dividends to net income (ytd only)* | 104.3841% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,974 |
| Loan loss allowance to noncurrent loans | 294.9275% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 3,922 |
| Noncurrent loans to loans | 0.4152% | 3,599 |
| Net loans and leases to total assets | 75.6819% | 1,461 |
| Net loans and leases to deposits | 83.0432% | 2,388 |
| Net loans and leases to core deposits | 85.9047% | 2,726 |
| Total domestic deposits to total assets | 91.1356% | 264 |
| Equity capital to assets | 8.6531% | 5,107 |
| Core capital (leverage) ratio | 8.6875% | 5,062 |
| Tier 1 risk-based capital ratio | 11.0363% | 5,285 |
| Total risk-based capital ratio | 12.2335% | 5,235 |
| Memoranda: | ||
| Average total assets | $130,600,500 | 3,830 |
| Average earning assets | $121,852,000 | 3,812 |
| Average equity | $11,258,000 | 4,344 |
| Average total loans | $100,839,500 | 3,406 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,607 |
| Cost of funding earning assets | 0.2689% | 4,381 |
| Net interest margin | 3.6201% | 3,000 |
| Noninterest income to average assets | 0.5405% | 2,974 |
| Noninterest expense to average assets | 2.2962% | 4,568 |
| Loan and lease loss provision to assets | -0.0045% | 5,471 |
| Net operating income to assets | 1.5567% | 752 |
| Return on assets (ROA) | 1.5567% | 776 |
| Pretax return on assets | 1.6388% | 1,167 |
| Return on Equity (ROE) | 18.3712% | 302 |
| Retained earnings to average equity (ytd only) | 2.2686% | 4,235 |
| Net charge-offs to loans | 0.0483% | 3,076 |
| Credit loss provision to net charge-offs | -11.7647% | 4,749 |
| Earnings coverage of net charge-offs (x) | 42.5098% | 1,138 |
| Efficiency ratio | 58.4196% | 4,801 |
| Assets per employee ($millions) | 4.3684% | 3,333 |
| Cash dividends to net income (ytd only)* | 87.6513% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,984 |
| Loan loss allowance to noncurrent loans | 3,197.4359% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 5,251 |
| Noncurrent loans to loans | 0.0383% | 5,104 |
| Net loans and leases to total assets | 76.8487% | 1,389 |
| Net loans and leases to deposits | 84.3582% | 2,372 |
| Net loans and leases to core deposits | 85.9133% | 2,858 |
| Total domestic deposits to total assets | 91.0981% | 248 |
| Equity capital to assets | 8.5875% | 5,200 |
| Core capital (leverage) ratio | 8.5034% | 5,260 |
| Tier 1 risk-based capital ratio | 10.7711% | 5,453 |
| Total risk-based capital ratio | 11.9631% | 5,393 |
| Memoranda: | ||
| Average total assets | $132,654,600 | 3,789 |
| Average earning assets | $124,224,400 | 3,746 |
| Average equity | $11,240,400 | 4,390 |
| Average total loans | $105,541,200 | 3,280 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,563 |
| Cost of funding earning assets | 0.2707% | 4,382 |
| Net interest margin | 3.6367% | 2,937 |
| Noninterest income to average assets | 0.5151% | 3,150 |
| Noninterest expense to average assets | 2.2837% | 4,573 |
| Loan and lease loss provision to assets | -0.0411% | 5,707 |
| Net operating income to assets | 1.5943% | 740 |
| Return on assets (ROA) | 1.5943% | 780 |
| Pretax return on assets | 1.6785% | 1,180 |
| Return on Equity (ROE) | 18.8776% | 302 |
| Retained earnings to average equity (ytd only) | 3.5714% | 3,752 |
| Net charge-offs to loans | 0.0576% | 2,531 |
| Credit loss provision to net charge-offs | -89.1304% | 4,739 |
| Earnings coverage of net charge-offs (x) | 35.5227% | 1,332 |
| Efficiency ratio | 58.2418% | 4,781 |
| Assets per employee ($millions) | 4.4587% | 3,153 |
| Cash dividends to net income (ytd only)* | 81.0812% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,507 |
| Loan loss allowance to noncurrent loans | 2,897.6190% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 5,371 |
| Noncurrent loans to loans | 0.0399% | 5,207 |
| Net loans and leases to total assets | 77.7594% | 1,239 |
| Net loans and leases to deposits | 87.0691% | 2,132 |
| Net loans and leases to core deposits | 90.9147% | 2,487 |
| Total domestic deposits to total assets | 89.3077% | 754 |
| Equity capital to assets | 8.5205% | 5,517 |
| Core capital (leverage) ratio | 8.6576% | 5,208 |
| Tier 1 risk-based capital ratio | 10.5655% | 5,592 |
| Total risk-based capital ratio | 11.7019% | 5,565 |
| Memoranda: | ||
| Average total assets | $133,055,500 | 3,808 |
| Average earning assets | $124,616,500 | 3,767 |
| Average equity | $11,237,000 | 4,423 |
| Average total loans | $106,437,000 | 3,281 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,537 |
| Cost of funding earning assets | 0.2714% | 4,425 |
| Net interest margin | 3.6505% | 2,896 |
| Noninterest income to average assets | 0.5059% | 3,153 |
| Noninterest expense to average assets | 2.2858% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5600% | 787 |
| Return on assets (ROA) | 1.5600% | 833 |
| Pretax return on assets | 1.6428% | 1,245 |
| Return on Equity (ROE) | 18.5270% | 325 |
| Retained earnings to average equity (ytd only) | 3.5051% | 3,668 |
| Net charge-offs to loans | -0.0037% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1832% | 4,877 |
| Assets per employee ($millions) | 4.4344% | 3,151 |
| Cash dividends to net income (ytd only)* | 81.0811% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 3,238 |
| Loan loss allowance to noncurrent loans | 1,306.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 5,236 |
| Noncurrent loans to loans | 0.0936% | 5,077 |
| Net loans and leases to total assets | 79.3462% | 1,008 |
| Net loans and leases to deposits | 87.7745% | 2,023 |
| Net loans and leases to core deposits | 92.6059% | 2,298 |
| Total domestic deposits to total assets | 90.3977% | 354 |
| Equity capital to assets | 8.5153% | 5,587 |
| Core capital (leverage) ratio | 8.5713% | 5,296 |
| Tier 1 risk-based capital ratio | 10.3235% | 5,752 |
| Total risk-based capital ratio | 11.5262% | 5,688 |
| Memoranda: | ||
| Average total assets | $132,820,670 | 3,831 |
| Average earning assets | $124,530,330 | 3,789 |
| Average equity | $11,183,670 | 4,461 |
| Average total loans | $106,840,000 | 3,292 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,402 |
| Cost of funding earning assets | 0.2803% | 4,387 |
| Net interest margin | 3.6696% | 2,803 |
| Noninterest income to average assets | 0.5003% | 3,105 |
| Noninterest expense to average assets | 2.3479% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5070% | 839 |
| Return on assets (ROA) | 1.5070% | 881 |
| Pretax return on assets | 1.5853% | 1,337 |
| Return on Equity (ROE) | 17.9994% | 351 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,076 |
| Net charge-offs to loans | -0.0037% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6935% | 4,787 |
| Assets per employee ($millions) | 4.4374% | 3,190 |
| Cash dividends to net income (ytd only)* | 84.0000% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 3,362 |
| Loan loss allowance to noncurrent loans | 14,500.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,650 |
| Noncurrent loans to loans | 0.0084% | 5,490 |
| Net loans and leases to total assets | 79.3800% | 898 |
| Net loans and leases to deposits | 86.8979% | 1,956 |
| Net loans and leases to core deposits | 91.6966% | 2,213 |
| Total domestic deposits to total assets | 91.3486% | 186 |
| Equity capital to assets | 8.3907% | 5,643 |
| Core capital (leverage) ratio | 8.4208% | 5,465 |
| Tier 1 risk-based capital ratio | 10.2025% | 5,860 |
| Total risk-based capital ratio | 11.4025% | 5,806 |
| Memoranda: | ||
| Average total assets | $132,715,500 | 3,866 |
| Average earning assets | $124,154,500 | 3,827 |
| Average equity | $11,111,500 | 4,480 |
| Average total loans | $106,829,500 | 3,298 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,533 |
| Cost of funding earning assets | 0.3046% | 4,197 |
| Net interest margin | 3.6443% | 2,965 |
| Noninterest income to average assets | 0.5350% | 3,111 |
| Noninterest expense to average assets | 2.3562% | 4,625 |
| Loan and lease loss provision to assets | 0.0150% | 4,108 |
| Net operating income to assets | 1.5012% | 865 |
| Return on assets (ROA) | 1.5012% | 899 |
| Pretax return on assets | 1.5801% | 1,312 |
| Return on Equity (ROE) | 18.7634% | 328 |
| Retained earnings to average equity (ytd only) | 4.5453% | 2,749 |
| Net charge-offs to loans | -0.0224% | 5,304 |
| Credit loss provision to net charge-offs | -83.3333% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6311% | 4,957 |
| Assets per employee ($millions) | 4.4103% | 3,195 |
| Cash dividends to net income (ytd only)* | 75.7758% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 3,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.6452% | 888 |
| Net loans and leases to deposits | 87.2196% | 1,974 |
| Net loans and leases to core deposits | 91.5359% | 2,266 |
| Total domestic deposits to total assets | 91.3157% | 208 |
| Equity capital to assets | 8.3540% | 5,665 |
| Core capital (leverage) ratio | 8.3500% | 5,569 |
| Tier 1 risk-based capital ratio | 10.1555% | 5,908 |
| Total risk-based capital ratio | 11.3578% | 5,854 |
| Memoranda: | ||
| Average total assets | $133,096,200 | 3,828 |
| Average earning assets | $124,770,600 | 3,791 |
| Average equity | $10,648,400 | 4,546 |
| Average total loans | $107,259,200 | 3,256 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,620 |
| Cost of funding earning assets | 0.3103% | 4,227 |
| Net interest margin | 3.6219% | 3,072 |
| Noninterest income to average assets | 0.5391% | 3,110 |
| Noninterest expense to average assets | 2.3496% | 4,652 |
| Loan and lease loss provision to assets | 0.0150% | 3,969 |
| Net operating income to assets | 1.4944% | 927 |
| Return on assets (ROA) | 1.4944% | 963 |
| Pretax return on assets | 1.5724% | 1,465 |
| Return on Equity (ROE) | 18.8860% | 343 |
| Retained earnings to average equity (ytd only) | -0.2529% | 5,652 |
| Net charge-offs to loans | -0.0286% | 5,341 |
| Credit loss provision to net charge-offs | -65.2174% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6799% | 4,924 |
| Assets per employee ($millions) | 4.4883% | 3,032 |
| Cash dividends to net income (ytd only)* | 101.3389% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 3,717 |
| Loan loss allowance to noncurrent loans | 658.8832% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,176 |
| Noncurrent loans to loans | 0.1805% | 4,923 |
| Net loans and leases to total assets | 80.1000% | 814 |
| Net loans and leases to deposits | 92.8782% | 1,321 |
| Net loans and leases to core deposits | 99.7927% | 1,537 |
| Total domestic deposits to total assets | 86.2419% | 2,418 |
| Equity capital to assets | 7.8612% | 6,003 |
| Core capital (leverage) ratio | 7.8739% | 5,955 |
| Tier 1 risk-based capital ratio | 9.4301% | 6,156 |
| Total risk-based capital ratio | 10.5948% | 6,148 |
| Memoranda: | ||
| Average total assets | $133,293,250 | 3,877 |
| Average earning assets | $125,051,500 | 3,827 |
| Average equity | $10,547,250 | 4,610 |
| Average total loans | $107,403,750 | 3,275 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 3,630 |
| Cost of funding earning assets | 0.3129% | 4,246 |
| Net interest margin | 3.6026% | 3,081 |
| Noninterest income to average assets | 0.5315% | 3,159 |
| Noninterest expense to average assets | 2.3878% | 4,587 |
| Loan and lease loss provision to assets | 0.0151% | 3,822 |
| Net operating income to assets | 1.4333% | 1,030 |
| Return on assets (ROA) | 1.4333% | 1,066 |
| Pretax return on assets | 1.5086% | 1,622 |
| Return on Equity (ROE) | 18.0737% | 411 |
| Retained earnings to average equity (ytd only) | -0.0380% | 5,514 |
| Net charge-offs to loans | -0.0412% | 5,461 |
| Credit loss provision to net charge-offs | -45.4545% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0470% | 4,823 |
| Assets per employee ($millions) | 4.3805% | 3,168 |
| Cash dividends to net income (ytd only)* | 100.2101% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 3,807 |
| Loan loss allowance to noncurrent loans | 3,491.8919% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 5,771 |
| Noncurrent loans to loans | 0.0343% | 5,610 |
| Net loans and leases to total assets | 81.0996% | 653 |
| Net loans and leases to deposits | 89.4185% | 1,670 |
| Net loans and leases to core deposits | 96.6799% | 1,744 |
| Total domestic deposits to total assets | 90.6966% | 387 |
| Equity capital to assets | 8.0569% | 5,960 |
| Core capital (leverage) ratio | 7.8969% | 5,978 |
| Tier 1 risk-based capital ratio | 9.6088% | 6,180 |
| Total risk-based capital ratio | 10.7880% | 6,176 |
| Memoranda: | ||
| Average total assets | $132,841,670 | 3,910 |
| Average earning assets | $124,631,000 | 3,868 |
| Average equity | $10,534,670 | 4,644 |
| Average total loans | $106,821,330 | 3,302 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,666 |
| Cost of funding earning assets | 0.3214% | 4,206 |
| Net interest margin | 3.5678% | 3,136 |
| Noninterest income to average assets | 0.4762% | 3,458 |
| Noninterest expense to average assets | 2.5398% | 4,139 |
| Loan and lease loss provision to assets | 0.0300% | 3,292 |
| Net operating income to assets | 1.2310% | 1,460 |
| Return on assets (ROA) | 1.2310% | 1,549 |
| Pretax return on assets | 1.2310% | 2,545 |
| Return on Equity (ROE) | 15.6452% | 608 |
| Retained earnings to average equity (ytd only) | -5.2912% | 5,953 |
| Net charge-offs to loans | -0.0790% | 5,743 |
| Credit loss provision to net charge-offs | -47.6190% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8243% | 4,008 |
| Assets per employee ($millions) | 4.4412% | 3,150 |
| Cash dividends to net income (ytd only)* | 133.8200% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 3,789 |
| Loan loss allowance to noncurrent loans | 21,516.6667% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,950 |
| Noncurrent loans to loans | 0.0057% | 5,788 |
| Net loans and leases to total assets | 77.8447% | 953 |
| Net loans and leases to deposits | 85.6183% | 1,883 |
| Net loans and leases to core deposits | 90.4680% | 2,087 |
| Total domestic deposits to total assets | 90.9207% | 396 |
| Equity capital to assets | 7.8387% | 6,094 |
| Core capital (leverage) ratio | 7.7665% | 6,042 |
| Tier 1 risk-based capital ratio | 9.6509% | 6,246 |
| Total risk-based capital ratio | 10.8524% | 6,226 |
| Memoranda: | ||
| Average total assets | $133,555,000 | 3,928 |
| Average earning assets | $124,448,000 | 3,902 |
| Average equity | $10,508,000 | 4,693 |
| Average total loans | $106,297,500 | 3,335 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,872 |
| Cost of funding earning assets | 0.3462% | 4,288 |
| Net interest margin | 3.6137% | 3,361 |
| Noninterest income to average assets | 0.4853% | 3,618 |
| Noninterest expense to average assets | 2.3753% | 4,905 |
| Loan and lease loss provision to assets | 0.0505% | 3,552 |
| Net operating income to assets | 1.3150% | 1,276 |
| Return on assets (ROA) | 1.3150% | 1,316 |
| Pretax return on assets | 1.3866% | 1,926 |
| Return on Equity (ROE) | 16.7640% | 519 |
| Retained earnings to average equity (ytd only) | 0.1921% | 5,691 |
| Net charge-offs to loans | 0.0184% | 4,485 |
| Credit loss provision to net charge-offs | 352.6316% | 748 |
| Earnings coverage of net charge-offs (x) | 100.3684% | 523 |
| Efficiency ratio | 62.3048% | 4,864 |
| Assets per employee ($millions) | 4.4624% | 3,093 |
| Cash dividends to net income (ytd only)* | 98.8539% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 4,160 |
| Loan loss allowance to noncurrent loans | 11,454.5455% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,041 |
| Noncurrent loans to loans | 0.0102% | 5,876 |
| Net loans and leases to total assets | 79.4230% | 818 |
| Net loans and leases to deposits | 87.8430% | 1,754 |
| Net loans and leases to core deposits | 92.7906% | 2,011 |
| Total domestic deposits to total assets | 90.4148% | 572 |
| Equity capital to assets | 7.8970% | 6,107 |
| Core capital (leverage) ratio | 7.8369% | 6,083 |
| Tier 1 risk-based capital ratio | 9.7452% | 6,311 |
| Total risk-based capital ratio | 10.9123% | 6,305 |
| Memoranda: | ||
| Average total assets | $132,699,200 | 3,928 |
| Average earning assets | $122,173,600 | 3,917 |
| Average equity | $10,409,200 | 4,676 |
| Average total loans | $103,156,200 | 3,356 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 3,922 |
| Cost of funding earning assets | 0.3532% | 4,309 |
| Net interest margin | 3.6080% | 3,395 |
| Noninterest income to average assets | 0.4995% | 3,547 |
| Noninterest expense to average assets | 2.3463% | 4,970 |
| Loan and lease loss provision to assets | 0.0443% | 3,511 |
| Net operating income to assets | 1.3403% | 1,266 |
| Return on assets (ROA) | 1.3403% | 1,323 |
| Pretax return on assets | 1.4108% | 1,963 |
| Return on Equity (ROE) | 17.1155% | 536 |
| Retained earnings to average equity (ytd only) | -0.5658% | 5,885 |
| Net charge-offs to loans | 0.0248% | 4,012 |
| Credit loss provision to net charge-offs | 231.5789% | 1,124 |
| Earnings coverage of net charge-offs (x) | 76.0608% | 730 |
| Efficiency ratio | 61.7219% | 4,928 |
| Assets per employee ($millions) | 4.5721% | 2,850 |
| Cash dividends to net income (ytd only)* | 103.3061% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 4,406 |
| Loan loss allowance to noncurrent loans | 5,890.4762% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,116 |
| Noncurrent loans to loans | 0.0198% | 5,949 |
| Net loans and leases to total assets | 76.4523% | 1,163 |
| Net loans and leases to deposits | 89.6481% | 1,460 |
| Net loans and leases to core deposits | 96.4817% | 1,639 |
| Total domestic deposits to total assets | 85.2804% | 3,229 |
| Equity capital to assets | 7.6587% | 6,271 |
| Core capital (leverage) ratio | 7.9753% | 6,084 |
| Tier 1 risk-based capital ratio | 9.8796% | 6,369 |
| Total risk-based capital ratio | 11.0474% | 6,359 |
| Memoranda: | ||
| Average total assets | $132,405,750 | 3,963 |
| Average earning assets | $121,170,500 | 3,966 |
| Average equity | $10,368,500 | 4,715 |
| Average total loans | $102,048,750 | 3,410 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 3,938 |
| Cost of funding earning assets | 0.3569% | 4,351 |
| Net interest margin | 3.5911% | 3,396 |
| Noninterest income to average assets | 0.4877% | 3,573 |
| Noninterest expense to average assets | 2.3727% | 4,967 |
| Loan and lease loss provision to assets | 0.0352% | 3,585 |
| Net operating income to assets | 1.3026% | 1,302 |
| Return on assets (ROA) | 1.3026% | 1,352 |
| Pretax return on assets | 1.3714% | 1,997 |
| Return on Equity (ROE) | 16.5068% | 605 |
| Retained earnings to average equity (ytd only) | -10.1327% | 6,422 |
| Net charge-offs to loans | 0.0338% | 3,531 |
| Credit loss provision to net charge-offs | 135.2941% | 1,565 |
| Earnings coverage of net charge-offs (x) | 54.1176% | 872 |
| Efficiency ratio | 62.7832% | 4,892 |
| Assets per employee ($millions) | 4.3339% | 3,205 |
| Cash dividends to net income (ytd only)* | 161.3850% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 4,464 |
| Loan loss allowance to noncurrent loans | 11,072.7273% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,226 |
| Noncurrent loans to loans | 0.0108% | 6,055 |
| Net loans and leases to total assets | 77.7075% | 946 |
| Net loans and leases to deposits | 86.7586% | 1,741 |
| Net loans and leases to core deposits | 92.3629% | 1,915 |
| Total domestic deposits to total assets | 89.5675% | 1,042 |
| Equity capital to assets | 7.7275% | 6,287 |
| Core capital (leverage) ratio | 7.6675% | 6,257 |
| Tier 1 risk-based capital ratio | 9.8552% | 6,439 |
| Total risk-based capital ratio | 11.0573% | 6,420 |
| Memoranda: | ||
| Average total assets | $130,819,670 | 4,016 |
| Average earning assets | $119,908,330 | 4,008 |
| Average equity | $10,323,000 | 4,737 |
| Average total loans | $100,697,670 | 3,444 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,961 |
| Cost of funding earning assets | 0.3562% | 4,477 |
| Net interest margin | 3.5759% | 3,359 |
| Noninterest income to average assets | 0.4511% | 3,780 |
| Noninterest expense to average assets | 2.3502% | 5,071 |
| Loan and lease loss provision to assets | 0.0244% | 3,514 |
| Net operating income to assets | 1.2559% | 1,329 |
| Return on assets (ROA) | 1.2559% | 1,386 |
| Pretax return on assets | 1.3199% | 2,027 |
| Return on Equity (ROE) | 15.7538% | 671 |
| Retained earnings to average equity (ytd only) | -3.3649% | 6,002 |
| Net charge-offs to loans | 0.0360% | 2,885 |
| Credit loss provision to net charge-offs | 88.8889% | 1,811 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 759 |
| Efficiency ratio | 63.6139% | 4,920 |
| Assets per employee ($millions) | 4.4045% | 3,144 |
| Cash dividends to net income (ytd only)* | 121.3592% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 4,495 |
| Loan loss allowance to noncurrent loans | 7,123.5294% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 6,288 |
| Noncurrent loans to loans | 0.0173% | 6,115 |
| Net loans and leases to total assets | 73.6283% | 1,325 |
| Net loans and leases to deposits | 81.7320% | 2,073 |
| Net loans and leases to core deposits | 85.4963% | 2,365 |
| Total domestic deposits to total assets | 90.0851% | 1,024 |
| Equity capital to assets | 7.9094% | 6,113 |
| Core capital (leverage) ratio | 8.0187% | 6,103 |
| Tier 1 risk-based capital ratio | 10.5152% | 6,328 |
| Total risk-based capital ratio | 11.7355% | 6,300 |
| Memoranda: | ||
| Average total assets | $131,221,000 | 4,047 |
| Average earning assets | $119,020,000 | 4,066 |
| Average equity | $10,461,000 | 4,736 |
| Average total loans | $99,921,000 | 3,476 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 4,020 |
| Cost of funding earning assets | 0.4441% | 4,173 |
| Net interest margin | 3.5757% | 3,573 |
| Noninterest income to average assets | 0.4653% | 3,990 |
| Noninterest expense to average assets | 2.2049% | 5,615 |
| Loan and lease loss provision to assets | 0.0613% | 3,917 |
| Net operating income to assets | 1.4092% | 1,005 |
| Return on assets (ROA) | 1.4092% | 1,046 |
| Pretax return on assets | 1.4837% | 1,500 |
| Return on Equity (ROE) | 17.8337% | 425 |
| Retained earnings to average equity (ytd only) | 3.1113% | 4,022 |
| Net charge-offs to loans | -0.0105% | 6,026 |
| Credit loss provision to net charge-offs | -790.0000% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8004% | 5,635 |
| Assets per employee ($millions) | 4.3436% | 3,187 |
| Cash dividends to net income (ytd only)* | 82.5537% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,682 |
| Loan loss allowance to noncurrent loans | 2,020.0000% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 6,237 |
| Noncurrent loans to loans | 0.0592% | 6,054 |
| Net loans and leases to total assets | 76.8418% | 972 |
| Net loans and leases to deposits | 85.5579% | 1,741 |
| Net loans and leases to core deposits | 89.7802% | 2,051 |
| Total domestic deposits to total assets | 89.8126% | 1,173 |
| Equity capital to assets | 8.0356% | 5,991 |
| Core capital (leverage) ratio | 7.9908% | 6,140 |
| Tier 1 risk-based capital ratio | 10.3932% | 6,404 |
| Total risk-based capital ratio | 11.5919% | 6,378 |
| Memoranda: | ||
| Average total assets | $128,937,400 | 4,090 |
| Average earning assets | $118,436,800 | 4,079 |
| Average equity | $10,188,600 | 4,799 |
| Average total loans | $94,979,600 | 3,580 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 4,240 |
| Cost of funding earning assets | 0.4542% | 4,232 |
| Net interest margin | 3.5156% | 3,806 |
| Noninterest income to average assets | 0.4676% | 4,017 |
| Noninterest expense to average assets | 2.1856% | 5,636 |
| Loan and lease loss provision to assets | 0.0031% | 4,896 |
| Net operating income to assets | 1.4219% | 1,052 |
| Return on assets (ROA) | 1.4308% | 1,088 |
| Pretax return on assets | 1.5065% | 1,586 |
| Return on Equity (ROE) | 18.1849% | 424 |
| Retained earnings to average equity (ytd only) | -1.5813% | 6,208 |
| Net charge-offs to loans | -0.0086% | 5,859 |
| Credit loss provision to net charge-offs | -50.0000% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2968% | 5,523 |
| Assets per employee ($millions) | 4.3686% | 3,100 |
| Cash dividends to net income (ytd only)* | 108.6959% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,109 |
| Loan loss allowance to noncurrent loans | 2,978.9474% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 6,394 |
| Noncurrent loans to loans | 0.0387% | 6,227 |
| Net loans and leases to total assets | 74.0788% | 1,281 |
| Net loans and leases to deposits | 82.1129% | 2,123 |
| Net loans and leases to core deposits | 90.5476% | 1,921 |
| Total domestic deposits to total assets | 90.2159% | 886 |
| Equity capital to assets | 7.6782% | 6,314 |
| Core capital (leverage) ratio | 7.8192% | 6,319 |
| Tier 1 risk-based capital ratio | 10.2505% | 6,524 |
| Total risk-based capital ratio | 10.5517% | 6,685 |
| Memoranda: | ||
| Average total assets | $128,594,750 | 4,147 |
| Average earning assets | $117,718,250 | 4,133 |
| Average equity | $10,118,000 | 4,863 |
| Average total loans | $93,388,750 | 3,634 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 4,300 |
| Cost of funding earning assets | 0.4695% | 4,211 |
| Net interest margin | 3.4783% | 3,879 |
| Noninterest income to average assets | 0.4774% | 3,976 |
| Noninterest expense to average assets | 2.1648% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4166% | 1,043 |
| Return on assets (ROA) | 1.4166% | 1,131 |
| Pretax return on assets | 1.4901% | 1,645 |
| Return on Equity (ROE) | 17.8566% | 468 |
| Retained earnings to average equity (ytd only) | -2.8610% | 6,295 |
| Net charge-offs to loans | 0.0022% | 4,880 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 952.0000% | 35 |
| Efficiency ratio | 59.2291% | 5,576 |
| Assets per employee ($millions) | 4.2308% | 3,292 |
| Cash dividends to net income (ytd only)* | 116.0221% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 4,953 |
| Loan loss allowance to noncurrent loans | 11,220.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 6,537 |
| Noncurrent loans to loans | 0.0108% | 6,400 |
| Net loans and leases to total assets | 72.3545% | 1,517 |
| Net loans and leases to deposits | 79.9338% | 2,331 |
| Net loans and leases to core deposits | 82.7426% | 2,723 |
| Total domestic deposits to total assets | 90.5180% | 747 |
| Equity capital to assets | 7.8905% | 6,276 |
| Core capital (leverage) ratio | 7.9111% | 6,247 |
| Tier 1 risk-based capital ratio | 10.6222% | 6,468 |
| Total risk-based capital ratio | 11.8074% | 6,463 |
| Memoranda: | ||
| Average total assets | $127,773,330 | 4,188 |
| Average earning assets | $116,724,670 | 4,184 |
| Average equity | $10,136,330 | 4,904 |
| Average total loans | $91,778,670 | 3,679 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 4,233 |
| Cost of funding earning assets | 0.4921% | 4,159 |
| Net interest margin | 3.4789% | 3,792 |
| Noninterest income to average assets | 0.4524% | 4,108 |
| Noninterest expense to average assets | 2.1841% | 5,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3510% | 1,153 |
| Return on assets (ROA) | 1.3510% | 1,246 |
| Pretax return on assets | 1.4228% | 1,792 |
| Return on Equity (ROE) | 16.9854% | 510 |
| Retained earnings to average equity (ytd only) | -2.6282% | 6,154 |
| Net charge-offs to loans | 0.0044% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 73 |
| Efficiency ratio | 60.5536% | 5,508 |
| Assets per employee ($millions) | 4.2957% | 3,347 |
| Cash dividends to net income (ytd only)* | 115.4734% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 4,837 |
| Loan loss allowance to noncurrent loans | 7,012.5000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,108 |
| Noncurrent loans to loans | 0.0181% | 6,444 |
| Net loans and leases to total assets | 67.5572% | 2,100 |
| Net loans and leases to deposits | 74.7593% | 2,806 |
| Net loans and leases to core deposits | 76.2857% | 3,280 |
| Total domestic deposits to total assets | 90.3663% | 840 |
| Equity capital to assets | 7.8862% | 6,441 |
| Core capital (leverage) ratio | 8.0275% | 6,117 |
| Tier 1 risk-based capital ratio | 10.9867% | 6,413 |
| Total risk-based capital ratio | 12.2043% | 6,395 |
| Memoranda: | ||
| Average total assets | $128,197,500 | 4,221 |
| Average earning assets | $116,245,000 | 4,236 |
| Average equity | $10,197,000 | 4,949 |
| Average total loans | $91,189,000 | 3,715 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 3,860 |
| Cost of funding earning assets | 0.6315% | 4,086 |
| Net interest margin | 3.7565% | 3,412 |
| Noninterest income to average assets | 0.5660% | 3,472 |
| Noninterest expense to average assets | 2.3118% | 5,662 |
| Loan and lease loss provision to assets | 0.1047% | 4,327 |
| Net operating income to assets | 1.5004% | 916 |
| Return on assets (ROA) | 1.5004% | 1,006 |
| Pretax return on assets | 1.5779% | 1,444 |
| Return on Equity (ROE) | 18.5573% | 393 |
| Retained earnings to average equity (ytd only) | 2.1948% | 4,689 |
| Net charge-offs to loans | 0.0102% | 5,790 |
| Credit loss provision to net charge-offs | 1,455.5556% | 172 |
| Earnings coverage of net charge-offs (x) | 233.8889% | 181 |
| Efficiency ratio | 57.8747% | 5,849 |
| Assets per employee ($millions) | 4.2508% | 3,459 |
| Cash dividends to net income (ytd only)* | 88.1726% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,147 |
| Loan loss allowance to noncurrent loans | 733.9869% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 5,891 |
| Noncurrent loans to loans | 0.1624% | 6,074 |
| Net loans and leases to total assets | 72.9833% | 1,336 |
| Net loans and leases to deposits | 81.3908% | 2,092 |
| Net loans and leases to core deposits | 83.0733% | 2,661 |
| Total domestic deposits to total assets | 89.6703% | 1,141 |
| Equity capital to assets | 8.0227% | 6,392 |
| Core capital (leverage) ratio | 7.9898% | 6,202 |
| Tier 1 risk-based capital ratio | 10.4325% | 6,577 |
| Total risk-based capital ratio | 11.5820% | 6,571 |
| Memoranda: | ||
| Average total assets | $125,099,200 | 4,245 |
| Average earning assets | $114,176,000 | 4,244 |
| Average equity | $10,114,600 | 4,962 |
| Average total loans | $88,448,200 | 3,787 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 3,568 |
| Cost of funding earning assets | 0.6642% | 4,074 |
| Net interest margin | 3.8529% | 3,106 |
| Noninterest income to average assets | 0.5537% | 3,585 |
| Noninterest expense to average assets | 2.2598% | 5,793 |
| Loan and lease loss provision to assets | 0.0964% | 4,369 |
| Net operating income to assets | 1.6043% | 835 |
| Return on assets (ROA) | 1.6043% | 933 |
| Pretax return on assets | 1.6889% | 1,296 |
| Return on Equity (ROE) | 19.8035% | 339 |
| Retained earnings to average equity (ytd only) | 1.9566% | 5,346 |
| Net charge-offs to loans | 0.0153% | 5,473 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 166.7374% | 266 |
| Efficiency ratio | 55.8644% | 6,073 |
| Assets per employee ($millions) | 4.1935% | 3,488 |
| Cash dividends to net income (ytd only)* | 90.1206% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,243 |
| Loan loss allowance to noncurrent loans | 6,358.8235% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 6,306 |
| Noncurrent loans to loans | 0.0190% | 6,596 |
| Net loans and leases to total assets | 70.2339% | 1,867 |
| Net loans and leases to deposits | 77.3487% | 2,754 |
| Net loans and leases to core deposits | 81.0540% | 3,083 |
| Total domestic deposits to total assets | 90.8016% | 474 |
| Equity capital to assets | 8.0856% | 6,556 |
| Core capital (leverage) ratio | 8.0889% | 6,241 |
| Tier 1 risk-based capital ratio | 10.4204% | 6,693 |
| Total risk-based capital ratio | 11.5325% | 6,707 |
| Memoranda: | ||
| Average total assets | $124,492,750 | 4,301 |
| Average earning assets | $112,814,000 | 4,322 |
| Average equity | $10,085,500 | 5,008 |
| Average total loans | $87,011,500 | 3,859 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 4,649 |
| Cost of funding earning assets | 0.6887% | 4,107 |
| Net interest margin | 3.5913% | 4,299 |
| Noninterest income to average assets | 0.5127% | 3,840 |
| Noninterest expense to average assets | 2.2087% | 5,984 |
| Loan and lease loss provision to assets | 0.0145% | 5,480 |
| Net operating income to assets | 1.4655% | 1,054 |
| Return on assets (ROA) | 1.4655% | 1,189 |
| Pretax return on assets | 1.5429% | 1,730 |
| Return on Equity (ROE) | 18.0776% | 496 |
| Retained earnings to average equity (ytd only) | -1.8097% | 6,331 |
| Net charge-offs to loans | 0.0232% | 5,075 |
| Credit loss provision to net charge-offs | 90.0000% | 3,049 |
| Earnings coverage of net charge-offs (x) | 96.6000% | 440 |
| Efficiency ratio | 58.6473% | 5,781 |
| Assets per employee ($millions) | 4.1472% | 3,573 |
| Cash dividends to net income (ytd only)* | 110.0110% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 5,606 |
| Loan loss allowance to noncurrent loans | 847.4576% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 6,163 |
| Noncurrent loans to loans | 0.1344% | 6,326 |
| Net loans and leases to total assets | 69.7539% | 1,964 |
| Net loans and leases to deposits | 77.8432% | 2,697 |
| Net loans and leases to core deposits | 80.0304% | 3,218 |
| Total domestic deposits to total assets | 89.6082% | 1,158 |
| Equity capital to assets | 8.0159% | 6,558 |
| Core capital (leverage) ratio | 7.9407% | 6,330 |
| Tier 1 risk-based capital ratio | 10.2508% | 6,764 |
| Total risk-based capital ratio | 11.2883% | 6,795 |
| Memoranda: | ||
| Average total assets | $124,055,670 | 4,328 |
| Average earning assets | $112,383,670 | 4,355 |
| Average equity | $10,056,670 | 5,019 |
| Average total loans | $86,202,670 | 3,900 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 4,627 |
| Cost of funding earning assets | 0.7068% | 4,221 |
| Net interest margin | 3.6200% | 4,179 |
| Noninterest income to average assets | 0.4876% | 4,002 |
| Noninterest expense to average assets | 2.2216% | 5,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4466% | 1,126 |
| Return on assets (ROA) | 1.4466% | 1,260 |
| Pretax return on assets | 1.5241% | 1,815 |
| Return on Equity (ROE) | 17.7452% | 579 |
| Retained earnings to average equity (ytd only) | -2.0597% | 6,288 |
| Net charge-offs to loans | -0.0047% | 5,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3103% | 5,721 |
| Assets per employee ($millions) | 4.1747% | 3,634 |
| Cash dividends to net income (ytd only)* | 111.6071% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,563 |
| Loan loss allowance to noncurrent loans | 808.0645% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 6,149 |
| Noncurrent loans to loans | 0.1467% | 6,394 |
| Net loans and leases to total assets | 66.6951% | 2,352 |
| Net loans and leases to deposits | 75.1559% | 2,949 |
| Net loans and leases to core deposits | 76.4995% | 3,558 |
| Total domestic deposits to total assets | 88.7424% | 1,860 |
| Equity capital to assets | 8.0557% | 6,483 |
| Core capital (leverage) ratio | 8.1990% | 6,024 |
| Tier 1 risk-based capital ratio | 10.0517% | 6,864 |
| Total risk-based capital ratio | 11.0671% | 6,915 |
| Memoranda: | ||
| Average total assets | $123,875,500 | 4,355 |
| Average earning assets | $111,492,000 | 4,401 |
| Average equity | $10,098,500 | 5,017 |
| Average total loans | $85,411,500 | 3,959 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 4,273 |
| Cost of funding earning assets | 0.8587% | 4,405 |
| Net interest margin | 3.8351% | 3,648 |
| Noninterest income to average assets | 0.4616% | 4,123 |
| Noninterest expense to average assets | 2.3691% | 5,852 |
| Loan and lease loss provision to assets | 0.0254% | 6,256 |
| Net operating income to assets | 1.5413% | 757 |
| Return on assets (ROA) | 1.5413% | 824 |
| Pretax return on assets | 1.5413% | 1,361 |
| Return on Equity (ROE) | 18.0817% | 372 |
| Retained earnings to average equity (ytd only) | 0.6249% | 5,556 |
| Net charge-offs to loans | -0.0128% | 6,910 |
| Credit loss provision to net charge-offs | -300.0000% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1933% | 5,727 |
| Assets per employee ($millions) | 4.0837% | 3,682 |
| Cash dividends to net income (ytd only)* | 96.5442% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,575 |
| Loan loss allowance to noncurrent loans | 747.0149% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 5,921 |
| Noncurrent loans to loans | 0.1553% | 6,440 |
| Net loans and leases to total assets | 69.6191% | 2,108 |
| Net loans and leases to deposits | 78.8075% | 2,710 |
| Net loans and leases to core deposits | 80.9981% | 3,317 |
| Total domestic deposits to total assets | 88.3406% | 1,944 |
| Equity capital to assets | 8.2507% | 6,389 |
| Core capital (leverage) ratio | 8.2428% | 5,934 |
| Tier 1 risk-based capital ratio | 10.0077% | 6,858 |
| Total risk-based capital ratio | 11.0123% | 6,901 |
| Memoranda: | ||
| Average total assets | $118,274,000 | 4,452 |
| Average earning assets | $107,141,600 | 4,475 |
| Average equity | $10,082,000 | 4,990 |
| Average total loans | $78,369,800 | 4,201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 4,306 |
| Cost of funding earning assets | 0.8846% | 4,510 |
| Net interest margin | 3.8481% | 3,625 |
| Noninterest income to average assets | 0.5471% | 3,530 |
| Noninterest expense to average assets | 2.3080% | 6,008 |
| Loan and lease loss provision to assets | 0.0068% | 6,338 |
| Net operating income to assets | 1.6346% | 727 |
| Return on assets (ROA) | 1.6346% | 796 |
| Pretax return on assets | 1.7210% | 1,095 |
| Return on Equity (ROE) | 19.0159% | 382 |
| Retained earnings to average equity (ytd only) | -0.3044% | 6,035 |
| Net charge-offs to loans | -0.0175% | 6,879 |
| Credit loss provision to net charge-offs | -60.0000% | 6,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1871% | 6,116 |
| Assets per employee ($millions) | 4.1138% | 3,613 |
| Cash dividends to net income (ytd only)* | 101.6008% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,504 |
| Loan loss allowance to noncurrent loans | 325.6667% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 5,764 |
| Noncurrent loans to loans | 0.3658% | 6,124 |
| Net loans and leases to total assets | 65.6695% | 2,970 |
| Net loans and leases to deposits | 75.2936% | 3,456 |
| Net loans and leases to core deposits | 78.1596% | 3,878 |
| Total domestic deposits to total assets | 87.2179% | 2,522 |
| Equity capital to assets | 8.1505% | 6,598 |
| Core capital (leverage) ratio | 8.5489% | 5,642 |
| Tier 1 risk-based capital ratio | 10.4901% | 6,780 |
| Total risk-based capital ratio | 11.5268% | 6,850 |
| Memoranda: | ||
| Average total assets | $117,214,750 | 4,497 |
| Average earning assets | $106,265,750 | 4,521 |
| Average equity | $10,075,500 | 5,018 |
| Average total loans | $76,389,250 | 4,302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 4,537 |
| Cost of funding earning assets | 0.9065% | 4,610 |
| Net interest margin | 3.7934% | 3,814 |
| Noninterest income to average assets | 0.5593% | 3,407 |
| Noninterest expense to average assets | 2.3917% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5875% | 751 |
| Return on assets (ROA) | 1.5875% | 794 |
| Pretax return on assets | 1.6709% | 1,107 |
| Return on Equity (ROE) | 18.1331% | 458 |
| Retained earnings to average equity (ytd only) | 0.2778% | 5,727 |
| Net charge-offs to loans | -0.0403% | 6,996 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8713% | 6,049 |
| Assets per employee ($millions) | 3.8409% | 4,105 |
| Cash dividends to net income (ytd only)* | 98.4683% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 5,295 |
| Loan loss allowance to noncurrent loans | 325.3333% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 6,088 |
| Noncurrent loans to loans | 0.3850% | 6,135 |
| Net loans and leases to total assets | 66.7697% | 2,868 |
| Net loans and leases to deposits | 77.0724% | 3,284 |
| Net loans and leases to core deposits | 77.6151% | 4,098 |
| Total domestic deposits to total assets | 86.6324% | 2,967 |
| Equity capital to assets | 8.8591% | 5,757 |
| Core capital (leverage) ratio | 8.4954% | 5,562 |
| Tier 1 risk-based capital ratio | 11.5566% | 6,125 |
| Total risk-based capital ratio | 12.6933% | 6,202 |
| Memoranda: | ||
| Average total assets | $115,148,000 | 4,582 |
| Average earning assets | $106,343,670 | 4,554 |
| Average equity | $10,081,000 | 5,031 |
| Average total loans | $74,511,330 | 4,409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 4,730 |
| Cost of funding earning assets | 0.9390% | 4,655 |
| Net interest margin | 3.7146% | 4,026 |
| Noninterest income to average assets | 0.5803% | 3,311 |
| Noninterest expense to average assets | 2.4742% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4525% | 983 |
| Return on assets (ROA) | 1.4525% | 1,018 |
| Pretax return on assets | 1.5290% | 1,363 |
| Return on Equity (ROE) | 16.6908% | 608 |
| Retained earnings to average equity (ytd only) | -3.0746% | 6,313 |
| Net charge-offs to loans | -0.0879% | 7,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8056% | 5,711 |
| Assets per employee ($millions) | 3.8662% | 4,152 |
| Cash dividends to net income (ytd only)* | 118.4211% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 4,915 |
| Loan loss allowance to noncurrent loans | 463.0332% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 5,632 |
| Noncurrent loans to loans | 0.2907% | 6,405 |
| Net loans and leases to total assets | 61.7264% | 3,915 |
| Net loans and leases to deposits | 70.3564% | 4,294 |
| Net loans and leases to core deposits | 71.2130% | 4,901 |
| Total domestic deposits to total assets | 87.7339% | 2,534 |
| Equity capital to assets | 8.5700% | 5,814 |
| Core capital (leverage) ratio | 8.5079% | 5,436 |
| Tier 1 risk-based capital ratio | 12.1483% | 5,551 |
| Total risk-based capital ratio | 13.3556% | 5,593 |
| Memoranda: | ||
| Average total assets | $115,109,000 | 4,615 |
| Average earning assets | $106,069,000 | 4,593 |
| Average equity | $10,017,500 | 5,050 |
| Average total loans | $72,811,000 | 4,519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 4,061 |
| Cost of funding earning assets | 1.0413% | 5,473 |
| Net interest margin | 4.0680% | 2,717 |
| Noninterest income to average assets | 0.5773% | 3,602 |
| Noninterest expense to average assets | 2.5981% | 5,425 |
| Loan and lease loss provision to assets | 0.0560% | 6,582 |
| Net operating income to assets | 1.5595% | 675 |
| Return on assets (ROA) | 1.5815% | 702 |
| Pretax return on assets | 1.6642% | 1,011 |
| Return on Equity (ROE) | 17.4266% | 436 |
| Retained earnings to average equity (ytd only) | -2.7345% | 6,073 |
| Net charge-offs to loans | 0.1835% | 5,207 |
| Credit loss provision to net charge-offs | 46.6667% | 6,308 |
| Earnings coverage of net charge-offs (x) | 14.1333% | 1,367 |
| Efficiency ratio | 60.4887% | 5,970 |
| Assets per employee ($millions) | 3.8077% | 4,238 |
| Cash dividends to net income (ytd only)* | 115.6918% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,922 |
| Loan loss allowance to noncurrent loans | 346.9314% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 5,540 |
| Noncurrent loans to loans | 0.3792% | 6,287 |
| Net loans and leases to total assets | 63.1084% | 4,045 |
| Net loans and leases to deposits | 72.2482% | 4,475 |
| Net loans and leases to core deposits | 72.9501% | 5,105 |
| Total domestic deposits to total assets | 87.3494% | 2,639 |
| Equity capital to assets | 8.8373% | 5,380 |
| Core capital (leverage) ratio | 8.5770% | 5,228 |
| Tier 1 risk-based capital ratio | 12.1796% | 5,306 |
| Total risk-based capital ratio | 13.3610% | 5,358 |
| Memoranda: | ||
| Average total assets | $112,427,000 | 4,648 |
| Average earning assets | $102,754,000 | 4,650 |
| Average equity | $10,202,800 | 5,077 |
| Average total loans | $73,588,600 | 4,545 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 4,442 |
| Cost of funding earning assets | 1.0605% | 5,644 |
| Net interest margin | 4.0163% | 3,022 |
| Noninterest income to average assets | 0.5656% | 3,683 |
| Noninterest expense to average assets | 2.4743% | 5,808 |
| Loan and lease loss provision to assets | 0.0750% | 6,300 |
| Net operating income to assets | 1.5995% | 747 |
| Return on assets (ROA) | 1.6289% | 768 |
| Pretax return on assets | 1.7134% | 1,089 |
| Return on Equity (ROE) | 17.8299% | 494 |
| Retained earnings to average equity (ytd only) | -1.0296% | 6,021 |
| Net charge-offs to loans | 0.3147% | 4,078 |
| Credit loss provision to net charge-offs | 36.2069% | 6,080 |
| Earnings coverage of net charge-offs (x) | 8.4829% | 2,156 |
| Efficiency ratio | 58.4693% | 6,192 |
| Assets per employee ($millions) | 4.1701% | 3,500 |
| Cash dividends to net income (ytd only)* | 105.7754% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 5,193 |
| Loan loss allowance to noncurrent loans | 74.7164% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 4,597 |
| Noncurrent loans to loans | 1.6808% | 4,119 |
| Net loans and leases to total assets | 64.3882% | 4,048 |
| Net loans and leases to deposits | 74.0344% | 4,503 |
| Net loans and leases to core deposits | 77.3093% | 4,885 |
| Total domestic deposits to total assets | 86.9707% | 2,549 |
| Equity capital to assets | 9.1312% | 5,408 |
| Core capital (leverage) ratio | 9.0316% | 4,643 |
| Tier 1 risk-based capital ratio | 12.0709% | 5,389 |
| Total risk-based capital ratio | 13.1709% | 5,509 |
| Memoranda: | ||
| Average total assets | $111,975,750 | 4,716 |
| Average earning assets | $102,213,250 | 4,720 |
| Average equity | $10,229,750 | 5,127 |
| Average total loans | $73,723,000 | 4,613 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 4,557 |
| Cost of funding earning assets | 1.0847% | 5,759 |
| Net interest margin | 3.9963% | 3,031 |
| Noninterest income to average assets | 0.6227% | 3,171 |
| Noninterest expense to average assets | 2.4801% | 5,794 |
| Loan and lease loss provision to assets | 0.1109% | 5,794 |
| Net operating income to assets | 1.5818% | 755 |
| Return on assets (ROA) | 1.5818% | 812 |
| Pretax return on assets | 1.6641% | 1,129 |
| Return on Equity (ROE) | 17.3118% | 543 |
| Retained earnings to average equity (ytd only) | -1.2338% | 6,020 |
| Net charge-offs to loans | 0.4443% | 3,201 |
| Credit loss provision to net charge-offs | 37.8049% | 5,638 |
| Earnings coverage of net charge-offs (x) | 6.0488% | 2,541 |
| Efficiency ratio | 58.2843% | 6,335 |
| Assets per employee ($millions) | 3.9119% | 3,942 |
| Cash dividends to net income (ytd only)* | 107.1267% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,818 |
| Loan loss allowance to noncurrent loans | 80.6061% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 4,672 |
| Noncurrent loans to loans | 1.6343% | 4,257 |
| Net loans and leases to total assets | 63.6730% | 4,322 |
| Net loans and leases to deposits | 71.9809% | 4,997 |
| Net loans and leases to core deposits | 72.8896% | 5,568 |
| Total domestic deposits to total assets | 88.4583% | 1,752 |
| Equity capital to assets | 9.3387% | 4,948 |
| Core capital (leverage) ratio | 9.0645% | 4,502 |
| Tier 1 risk-based capital ratio | 11.5021% | 5,770 |
| Total risk-based capital ratio | 12.5599% | 5,918 |
| Memoranda: | ||
| Average total assets | $111,770,330 | 4,756 |
| Average earning assets | $101,593,670 | 4,760 |
| Average equity | $10,212,670 | 5,139 |
| Average total loans | $73,824,670 | 4,649 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 4,898 |
| Cost of funding earning assets | 1.1101% | 5,850 |
| Net interest margin | 3.9165% | 3,254 |
| Noninterest income to average assets | 0.5492% | 3,656 |
| Noninterest expense to average assets | 2.4555% | 5,892 |
| Loan and lease loss provision to assets | 0.1594% | 4,936 |
| Net operating income to assets | 1.4102% | 1,049 |
| Return on assets (ROA) | 1.4102% | 1,121 |
| Pretax return on assets | 1.4846% | 1,556 |
| Return on Equity (ROE) | 15.6010% | 786 |
| Retained earnings to average equity (ytd only) | -5.8406% | 6,650 |
| Net charge-offs to loans | 0.6472% | 2,207 |
| Credit loss provision to net charge-offs | 36.8852% | 4,694 |
| Earnings coverage of net charge-offs (x) | 3.8033% | 2,776 |
| Efficiency ratio | 59.8963% | 6,193 |
| Assets per employee ($millions) | 3.9760% | 3,931 |
| Cash dividends to net income (ytd only)* | 137.4372% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 4,551 |
| Loan loss allowance to noncurrent loans | 50.9595% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9133% | 3,612 |
| Noncurrent loans to loans | 2.6962% | 2,976 |
| Net loans and leases to total assets | 61.6413% | 4,826 |
| Net loans and leases to deposits | 69.4969% | 5,411 |
| Net loans and leases to core deposits | 71.5765% | 5,759 |
| Total domestic deposits to total assets | 88.6965% | 1,677 |
| Equity capital to assets | 9.0723% | 5,168 |
| Core capital (leverage) ratio | 9.0115% | 4,547 |
| Tier 1 risk-based capital ratio | 11.2541% | 5,899 |
| Total risk-based capital ratio | 12.3257% | 6,055 |
| Memoranda: | ||
| Average total assets | $112,889,000 | 4,802 |
| Average earning assets | $102,337,000 | 4,803 |
| Average equity | $10,204,500 | 5,176 |
| Average total loans | $75,400,000 | 4,660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0917% | 1,538 |
| Cost of funding earning assets | 1.4921% | 5,541 |
| Net interest margin | 4.5996% | 989 |
| Noninterest income to average assets | 0.6692% | 3,162 |
| Noninterest expense to average assets | 2.4932% | 6,155 |
| Loan and lease loss provision to assets | 1.2616% | 1,830 |
| Net operating income to assets | 1.0842% | 1,556 |
| Return on assets (ROA) | 1.0842% | 1,608 |
| Pretax return on assets | 1.1601% | 2,063 |
| Return on Equity (ROE) | 12.0241% | 1,160 |
| Retained earnings to average equity (ytd only) | 1.4394% | 4,058 |
| Net charge-offs to loans | 1.5350% | 1,630 |
| Credit loss provision to net charge-offs | 112.8752% | 4,858 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 4,097 |
| Efficiency ratio | 50.7275% | 7,494 |
| Assets per employee ($millions) | 4.0875% | 3,642 |
| Cash dividends to net income (ytd only)* | 88.0293% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 4,927 |
| Loan loss allowance to noncurrent loans | 48.0242% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.1581% | 3,188 |
| Noncurrent loans to loans | 2.6484% | 2,902 |
| Net loans and leases to total assets | 70.0629% | 3,244 |
| Net loans and leases to deposits | 78.9110% | 4,189 |
| Net loans and leases to core deposits | 89.0759% | 5,217 |
| Total domestic deposits to total assets | 88.7872% | 1,580 |
| Equity capital to assets | 9.0074% | 5,136 |
| Core capital (leverage) ratio | 8.8188% | 4,741 |
| Tier 1 risk-based capital ratio | 10.0042% | 6,867 |
| Total risk-based capital ratio | 11.0187% | 7,033 |
| Memoranda: | ||
| Average total assets | $113,267,800 | 4,750 |
| Average earning assets | $104,552,000 | 4,714 |
| Average equity | $10,212,800 | 5,239 |
| Average total loans | $82,477,000 | 4,431 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0423% | 1,874 |
| Cost of funding earning assets | 1.5749% | 5,517 |
| Net interest margin | 4.4674% | 1,272 |
| Noninterest income to average assets | 0.6892% | 3,095 |
| Noninterest expense to average assets | 2.4831% | 6,130 |
| Loan and lease loss provision to assets | 1.1896% | 1,633 |
| Net operating income to assets | 1.0763% | 1,808 |
| Return on assets (ROA) | 1.0763% | 1,862 |
| Pretax return on assets | 1.1578% | 2,385 |
| Return on Equity (ROE) | 11.9344% | 1,373 |
| Retained earnings to average equity (ytd only) | 0.4056% | 5,029 |
| Net charge-offs to loans | 1.4687% | 1,399 |
| Credit loss provision to net charge-offs | 110.5263% | 4,601 |
| Earnings coverage of net charge-offs (x) | 2.1809% | 4,191 |
| Efficiency ratio | 51.4048% | 7,454 |
| Assets per employee ($millions) | 3.9068% | 3,919 |
| Cash dividends to net income (ytd only)* | 96.6011% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,173 |
| Loan loss allowance to noncurrent loans | 36.6882% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.6255% | 2,649 |
| Noncurrent loans to loans | 3.2406% | 2,335 |
| Net loans and leases to total assets | 73.3940% | 2,691 |
| Net loans and leases to deposits | 83.2668% | 3,783 |
| Net loans and leases to core deposits | 92.0066% | 5,233 |
| Total domestic deposits to total assets | 88.1432% | 1,599 |
| Equity capital to assets | 9.3218% | 5,000 |
| Core capital (leverage) ratio | 8.6928% | 5,139 |
| Tier 1 risk-based capital ratio | 11.2676% | 5,664 |
| Total risk-based capital ratio | 12.3477% | 5,811 |
| Memoranda: | ||
| Average total assets | $112,972,250 | 4,783 |
| Average earning assets | $104,726,500 | 4,750 |
| Average equity | $10,188,750 | 5,290 |
| Average total loans | $82,791,250 | 4,462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9749% | 2,284 |
| Cost of funding earning assets | 1.6458% | 5,530 |
| Net interest margin | 4.3291% | 1,577 |
| Noninterest income to average assets | 0.6867% | 3,073 |
| Noninterest expense to average assets | 2.5034% | 6,116 |
| Loan and lease loss provision to assets | 1.1930% | 1,442 |
| Net operating income to assets | 0.9320% | 2,337 |
| Return on assets (ROA) | 0.9320% | 2,431 |
| Pretax return on assets | 1.0178% | 2,939 |
| Return on Equity (ROE) | 10.4457% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.7334% | 2,146 |
| Net charge-offs to loans | 1.4165% | 1,327 |
| Credit loss provision to net charge-offs | 115.4237% | 4,009 |
| Earnings coverage of net charge-offs (x) | 2.1390% | 4,004 |
| Efficiency ratio | 53.1029% | 7,417 |
| Assets per employee ($millions) | 4.1553% | 3,382 |
| Cash dividends to net income (ytd only)* | 45.1128% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 4,904 |
| Loan loss allowance to noncurrent loans | 46.0249% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 2.0741% | 3,096 |
| Noncurrent loans to loans | 2.6156% | 2,765 |
| Net loans and leases to total assets | 70.2967% | 3,627 |
| Net loans and leases to deposits | 79.6389% | 4,591 |
| Net loans and leases to core deposits | 91.2032% | 5,428 |
| Total domestic deposits to total assets | 88.2693% | 1,642 |
| Equity capital to assets | 9.2225% | 4,974 |
| Core capital (leverage) ratio | 9.0581% | 4,537 |
| Tier 1 risk-based capital ratio | 11.7992% | 5,103 |
| Total risk-based capital ratio | 12.8967% | 5,174 |
| Memoranda: | ||
| Average total assets | $114,166,670 | 4,770 |
| Average earning assets | $106,211,330 | 4,717 |
| Average equity | $10,186,000 | 5,310 |
| Average total loans | $83,304,670 | 4,487 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9414% | 2,600 |
| Cost of funding earning assets | 1.7093% | 5,563 |
| Net interest margin | 4.2321% | 1,797 |
| Noninterest income to average assets | 0.6357% | 3,305 |
| Noninterest expense to average assets | 2.3343% | 6,421 |
| Loan and lease loss provision to assets | 0.9552% | 1,364 |
| Net operating income to assets | 1.2192% | 1,604 |
| Return on assets (ROA) | 1.2192% | 1,707 |
| Pretax return on assets | 1.2852% | 2,332 |
| Return on Equity (ROE) | 13.8934% | 1,186 |
| Retained earnings to average equity (ytd only) | 4.3936% | 3,470 |
| Net charge-offs to loans | 1.3640% | 1,036 |
| Credit loss provision to net charge-offs | 94.8276% | 3,897 |
| Earnings coverage of net charge-offs (x) | 2.2241% | 3,628 |
| Efficiency ratio | 51.0251% | 7,510 |
| Assets per employee ($millions) | 4.2613% | 3,143 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 5,941 |
| Loan loss allowance to noncurrent loans | 40.7337% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 2.0764% | 2,777 |
| Noncurrent loans to loans | 2.5280% | 2,608 |
| Net loans and leases to total assets | 71.4217% | 3,368 |
| Net loans and leases to deposits | 80.5093% | 4,533 |
| Net loans and leases to core deposits | 92.1658% | 5,330 |
| Total domestic deposits to total assets | 88.7125% | 1,376 |
| Equity capital to assets | 8.8340% | 5,569 |
| Core capital (leverage) ratio | 8.9482% | 4,798 |
| Tier 1 risk-based capital ratio | 11.1935% | 5,709 |
| Total risk-based capital ratio | 12.1364% | 5,915 |
| Memoranda: | ||
| Average total assets | $115,153,500 | 4,772 |
| Average earning assets | $107,180,000 | 4,711 |
| Average equity | $10,105,500 | 5,353 |
| Average total loans | $85,042,500 | 4,458 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5357% | 2,783 |
| Cost of funding earning assets | 2.2916% | 5,196 |
| Net interest margin | 4.2441% | 2,136 |
| Noninterest income to average assets | 0.6475% | 3,487 |
| Noninterest expense to average assets | 2.1763% | 7,033 |
| Loan and lease loss provision to assets | 0.9682% | 1,522 |
| Net operating income to assets | 1.2711% | 1,565 |
| Return on assets (ROA) | 1.2711% | 1,512 |
| Pretax return on assets | 1.3937% | 1,990 |
| Return on Equity (ROE) | 14.5982% | 996 |
| Retained earnings to average equity (ytd only) | 4.8559% | 2,108 |
| Net charge-offs to loans | 1.2597% | 950 |
| Credit loss provision to net charge-offs | 98.5533% | 5,430 |
| Earnings coverage of net charge-offs (x) | 2.4042% | 4,874 |
| Efficiency ratio | 47.9546% | 7,814 |
| Assets per employee ($millions) | 4.2686% | 3,005 |
| Cash dividends to net income (ytd only)* | 66.7365% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 6,065 |
| Loan loss allowance to noncurrent loans | 68.6120% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 4,081 |
| Noncurrent loans to loans | 1.4566% | 3,615 |
| Net loans and leases to total assets | 74.7803% | 2,925 |
| Net loans and leases to deposits | 86.2152% | 4,084 |
| Net loans and leases to core deposits | 101.5734% | 4,661 |
| Total domestic deposits to total assets | 86.7368% | 2,074 |
| Equity capital to assets | 8.7175% | 5,782 |
| Core capital (leverage) ratio | 8.8267% | 4,998 |
| Tier 1 risk-based capital ratio | 10.6445% | 6,055 |
| Total risk-based capital ratio | 11.5669% | 6,276 |
| Memoranda: | ||
| Average total assets | $112,578,800 | 4,706 |
| Average earning assets | $103,201,800 | 4,706 |
| Average equity | $9,802,600 | 5,476 |
| Average total loans | $87,798,000 | 4,293 |