Home > Elkton Bank & Trust Company > Performance and Condition Ratios
Elkton Bank & Trust Company, 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 | 4.2919% | 3,453 |
| Cost of funding earning assets | 1.0312% | 3,226 |
| Net interest margin | 3.2607% | 2,731 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.2078% | 3,100 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0256% | 2,134 |
| Return on assets (ROA) | 0.9942% | 2,221 |
| Pretax return on assets | 1.2328% | 2,057 |
| Return on Equity (ROE) | 9.7000% | 2,584 |
| Retained earnings to average equity (ytd only) | 6.5044% | 2,059 |
| Net charge-offs to loans | 0.0586% | 1,269 |
| Credit loss provision to net charge-offs | 162.1622% | 1,396 |
| Earnings coverage of net charge-offs (x) | 64.5676% | 1,148 |
| Efficiency ratio | 62.8634% | 2,742 |
| Assets per employee ($millions) | 6.4821% | 2,427 |
| Cash dividends to net income (ytd only)* | 32.9489% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,152 |
| Loan loss allowance to noncurrent loans | 950.0000% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,358 |
| Noncurrent loans to loans | 0.1086% | 2,992 |
| Net loans and leases to total assets | 35.8700% | 4,161 |
| Net loans and leases to deposits | 41.5494% | 4,160 |
| Net loans and leases to core deposits | 44.1670% | 4,203 |
| Total domestic deposits to total assets | 86.3200% | 1,908 |
| Equity capital to assets | 10.5048% | 1,718 |
| Core capital (leverage) ratio | 12.3353% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4897% | 392 |
| Memoranda: | ||
| Average total assets | $183,164,800 | 3,100 |
| Average earning assets | $172,906,000 | 3,071 |
| Average equity | $18,772,000 | 2,958 |
| Average total loans | $63,122,000 | 3,663 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,496 |
| Cost of funding earning assets | 0.8435% | 3,418 |
| Net interest margin | 3.3412% | 2,591 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.2070% | 3,057 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0768% | 2,127 |
| Return on assets (ROA) | 1.0346% | 2,253 |
| Pretax return on assets | 1.2830% | 2,089 |
| Return on Equity (ROE) | 10.1600% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.0020% | 1,965 |
| Net charge-offs to loans | 0.0603% | 1,064 |
| Credit loss provision to net charge-offs | 160.7143% | 1,274 |
| Earnings coverage of net charge-offs (x) | 66.6786% | 1,142 |
| Efficiency ratio | 61.7340% | 2,753 |
| Assets per employee ($millions) | 5.9807% | 2,780 |
| Cash dividends to net income (ytd only)* | 21.2465% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 2,893 |
| Loan loss allowance to noncurrent loans | 669.2308% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,250 |
| Noncurrent loans to loans | 0.1635% | 2,728 |
| Net loans and leases to total assets | 33.9400% | 4,242 |
| Net loans and leases to deposits | 39.0630% | 4,230 |
| Net loans and leases to core deposits | 40.9863% | 4,240 |
| Total domestic deposits to total assets | 86.8900% | 1,923 |
| Equity capital to assets | 10.0544% | 1,804 |
| Core capital (leverage) ratio | 12.6255% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0055% | 383 |
| Memoranda: | ||
| Average total assets | $181,960,750 | 3,117 |
| Average earning assets | $171,513,000 | 3,086 |
| Average equity | $18,528,250 | 2,965 |
| Average total loans | $61,871,500 | 3,688 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 3,421 |
| Cost of funding earning assets | 0.6368% | 3,668 |
| Net interest margin | 3.4982% | 2,272 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.1060% | 3,327 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2875% | 1,599 |
| Return on assets (ROA) | 1.2875% | 1,584 |
| Pretax return on assets | 1.6127% | 1,385 |
| Return on Equity (ROE) | 12.5900% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.3453% | 1,592 |
| Net charge-offs to loans | -0.0098% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.1321% | 3,401 |
| Assets per employee ($millions) | 6.0036% | 2,708 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 2,791 |
| Loan loss allowance to noncurrent loans | 1,697.6190% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,553 |
| Noncurrent loans to loans | 0.0666% | 3,223 |
| Net loans and leases to total assets | 35.8300% | 4,179 |
| Net loans and leases to deposits | 41.5782% | 4,173 |
| Net loans and leases to core deposits | 43.8533% | 4,182 |
| Total domestic deposits to total assets | 86.1800% | 2,177 |
| Equity capital to assets | 10.7918% | 1,466 |
| Core capital (leverage) ratio | 13.6384% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6661% | 365 |
| Memoranda: | ||
| Average total assets | $180,814,000 | 3,133 |
| Average earning assets | $170,546,667 | 3,101 |
| Average equity | $18,490,667 | 2,986 |
| Average total loans | $61,288,333 | 3,702 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 3,382 |
| Cost of funding earning assets | 0.5743% | 3,463 |
| Net interest margin | 3.4622% | 2,468 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.0720% | 3,445 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2597% | 1,773 |
| Return on assets (ROA) | 1.2597% | 1,743 |
| Pretax return on assets | 1.5855% | 1,501 |
| Return on Equity (ROE) | 12.6500% | 2,065 |
| Retained earnings to average equity (ytd only) | 12.6489% | 1,154 |
| Net charge-offs to loans | -0.0331% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1507% | 3,398 |
| Assets per employee ($millions) | 6.2147% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,874 |
| Loan loss allowance to noncurrent loans | 1,320.7547% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 3,482 |
| Noncurrent loans to loans | 0.0860% | 3,123 |
| Net loans and leases to total assets | 33.8000% | 4,268 |
| Net loans and leases to deposits | 38.7268% | 4,261 |
| Net loans and leases to core deposits | 40.5766% | 4,259 |
| Total domestic deposits to total assets | 87.2900% | 2,165 |
| Equity capital to assets | 10.4591% | 1,581 |
| Core capital (leverage) ratio | 11.8501% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8594% | 359 |
| Memoranda: | ||
| Average total assets | $184,169,000 | 3,147 |
| Average earning assets | $173,416,500 | 3,116 |
| Average equity | $18,341,500 | 3,025 |
| Average total loans | $60,384,000 | 3,755 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 3,339 |
| Cost of funding earning assets | 0.2495% | 3,322 |
| Net interest margin | 3.1541% | 3,008 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.0776% | 3,360 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0430% | 2,405 |
| Return on assets (ROA) | 1.0430% | 2,345 |
| Pretax return on assets | 1.2876% | 2,132 |
| Return on Equity (ROE) | 10.2900% | 2,721 |
| Retained earnings to average equity (ytd only) | 6.9947% | 2,247 |
| Net charge-offs to loans | 0.0223% | 1,619 |
| Credit loss provision to net charge-offs | 553.8462% | 638 |
| Earnings coverage of net charge-offs (x) | 183.3077% | 693 |
| Efficiency ratio | 61.0111% | 2,910 |
| Assets per employee ($millions) | 6.4866% | 2,346 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,644 |
| Loan loss allowance to noncurrent loans | 2,720.0000% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,740 |
| Noncurrent loans to loans | 0.0423% | 3,462 |
| Net loans and leases to total assets | 31.0800% | 4,363 |
| Net loans and leases to deposits | 35.5902% | 4,354 |
| Net loans and leases to core deposits | 37.4619% | 4,345 |
| Total domestic deposits to total assets | 87.3200% | 2,285 |
| Equity capital to assets | 9.4800% | 2,024 |
| Core capital (leverage) ratio | 11.5826% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5477% | 350 |
| Memoranda: | ||
| Average total assets | $179,483,400 | 3,197 |
| Average earning assets | $168,766,800 | 3,169 |
| Average equity | $18,185,200 | 3,108 |
| Average total loans | $58,355,200 | 3,761 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2417% | 3,331 |
| Cost of funding earning assets | 0.1758% | 3,561 |
| Net interest margin | 3.0659% | 3,036 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1023% | 3,202 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9549% | 2,643 |
| Return on assets (ROA) | 0.9549% | 2,615 |
| Pretax return on assets | 1.1850% | 2,424 |
| Return on Equity (ROE) | 9.2700% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.0776% | 2,336 |
| Net charge-offs to loans | -0.0115% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.1722% | 2,661 |
| Assets per employee ($millions) | 6.4736% | 2,346 |
| Cash dividends to net income (ytd only)* | 23.6220% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,788 |
| Loan loss allowance to noncurrent loans | 1,444.6809% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,689 |
| Noncurrent loans to loans | 0.0797% | 3,307 |
| Net loans and leases to total assets | 31.0700% | 4,396 |
| Net loans and leases to deposits | 35.3133% | 4,384 |
| Net loans and leases to core deposits | 36.9843% | 4,369 |
| Total domestic deposits to total assets | 87.9800% | 2,442 |
| Equity capital to assets | 9.0473% | 2,180 |
| Core capital (leverage) ratio | 11.7162% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3626% | 615 |
| Memoranda: | ||
| Average total assets | $177,326,250 | 3,232 |
| Average earning assets | $166,863,000 | 3,207 |
| Average equity | $18,273,250 | 3,135 |
| Average total loans | $58,158,250 | 3,778 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1844% | 3,090 |
| Cost of funding earning assets | 0.1490% | 3,588 |
| Net interest margin | 3.0354% | 2,781 |
| Noninterest income to average assets | 0.4394% | 2,510 |
| Noninterest expense to average assets | 2.1213% | 3,091 |
| Loan and lease loss provision to assets | 0.0403% | 1,863 |
| Net operating income to assets | 0.9214% | 2,484 |
| Return on assets (ROA) | 0.9214% | 2,453 |
| Pretax return on assets | 1.1377% | 2,278 |
| Return on Equity (ROE) | 8.5656% | 2,841 |
| Retained earnings to average equity (ytd only) | 5.3575% | 2,570 |
| Net charge-offs to loans | -0.0242% | 3,961 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2957% | 2,737 |
| Assets per employee ($millions) | 6.0053% | 2,739 |
| Cash dividends to net income (ytd only)* | 37.4532% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,022 |
| Loan loss allowance to noncurrent loans | 690.6250% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,431 |
| Noncurrent loans to loans | 0.1639% | 2,874 |
| Net loans and leases to total assets | 33.2596% | 4,359 |
| Net loans and leases to deposits | 38.1818% | 4,329 |
| Net loans and leases to core deposits | 40.1276% | 4,314 |
| Total domestic deposits to total assets | 87.1085% | 2,899 |
| Equity capital to assets | 10.0273% | 1,703 |
| Core capital (leverage) ratio | 11.7491% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2512% | 415 |
| Memoranda: | ||
| Average total assets | $173,856,667 | 3,299 |
| Average earning assets | $163,798,667 | 3,280 |
| Average equity | $18,702,667 | 3,169 |
| Average total loans | $57,875,333 | 3,827 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1214% | 2,909 |
| Cost of funding earning assets | 0.1464% | 3,548 |
| Net interest margin | 2.9750% | 2,586 |
| Noninterest income to average assets | 0.4099% | 2,623 |
| Noninterest expense to average assets | 2.0886% | 3,181 |
| Loan and lease loss provision to assets | 0.0391% | 1,655 |
| Net operating income to assets | 0.8981% | 2,275 |
| Return on assets (ROA) | 0.8981% | 2,275 |
| Pretax return on assets | 1.0892% | 2,177 |
| Return on Equity (ROE) | 8.0735% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.0735% | 1,559 |
| Net charge-offs to loans | -0.1043% | 4,468 |
| Credit loss provision to net charge-offs | -113.3333% | 2,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9248% | 2,920 |
| Assets per employee ($millions) | 6.3727% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,196 |
| Loan loss allowance to noncurrent loans | 544.1667% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,389 |
| Noncurrent loans to loans | 0.2077% | 2,783 |
| Net loans and leases to total assets | 32.0132% | 4,375 |
| Net loans and leases to deposits | 36.7103% | 4,362 |
| Net loans and leases to core deposits | 38.5508% | 4,352 |
| Total domestic deposits to total assets | 87.2049% | 2,854 |
| Equity capital to assets | 10.0983% | 1,828 |
| Core capital (leverage) ratio | 11.4404% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1365% | 424 |
| Memoranda: | ||
| Average total assets | $173,708,000 | 3,316 |
| Average earning assets | $163,898,500 | 3,286 |
| Average equity | $19,322,500 | 3,207 |
| Average total loans | $57,520,000 | 3,839 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 3,535 |
| Cost of funding earning assets | 0.1836% | 3,612 |
| Net interest margin | 2.9872% | 3,230 |
| Noninterest income to average assets | 0.6404% | 1,988 |
| Noninterest expense to average assets | 2.2481% | 2,956 |
| Loan and lease loss provision to assets | 0.0500% | 2,060 |
| Net operating income to assets | 0.9667% | 2,812 |
| Return on assets (ROA) | 0.9667% | 2,873 |
| Pretax return on assets | 1.1698% | 2,762 |
| Return on Equity (ROE) | 7.6590% | 3,331 |
| Retained earnings to average equity (ytd only) | 3.7933% | 3,296 |
| Net charge-offs to loans | 0.0751% | 1,037 |
| Credit loss provision to net charge-offs | 195.2381% | 1,320 |
| Earnings coverage of net charge-offs (x) | 47.6190% | 1,328 |
| Efficiency ratio | 64.8259% | 2,428 |
| Assets per employee ($millions) | 5.8269% | 2,920 |
| Cash dividends to net income (ytd only)* | 50.4732% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,427 |
| Loan loss allowance to noncurrent loans | 620.0000% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,572 |
| Noncurrent loans to loans | 0.1746% | 3,079 |
| Net loans and leases to total assets | 33.5211% | 4,391 |
| Net loans and leases to deposits | 39.7332% | 4,345 |
| Net loans and leases to core deposits | 41.8689% | 4,340 |
| Total domestic deposits to total assets | 84.3656% | 3,455 |
| Equity capital to assets | 12.2062% | 1,170 |
| Core capital (leverage) ratio | 11.8876% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5523% | 417 |
| Memoranda: | ||
| Average total assets | $163,958,200 | 3,357 |
| Average earning assets | $155,193,000 | 3,325 |
| Average equity | $20,694,600 | 3,157 |
| Average total loans | $55,894,600 | 3,896 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1437% | 3,712 |
| Cost of funding earning assets | 0.1924% | 3,697 |
| Net interest margin | 2.9513% | 3,435 |
| Noninterest income to average assets | 0.7088% | 1,797 |
| Noninterest expense to average assets | 2.2994% | 2,755 |
| Loan and lease loss provision to assets | 0.0516% | 1,958 |
| Net operating income to assets | 0.9530% | 3,068 |
| Return on assets (ROA) | 0.9530% | 3,152 |
| Pretax return on assets | 1.1489% | 3,079 |
| Return on Equity (ROE) | 7.4867% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.5555% | 3,020 |
| Net charge-offs to loans | 0.0528% | 1,126 |
| Credit loss provision to net charge-offs | 286.3636% | 1,029 |
| Earnings coverage of net charge-offs (x) | 66.5909% | 1,086 |
| Efficiency ratio | 65.6989% | 2,139 |
| Assets per employee ($millions) | 5.5075% | 3,197 |
| Cash dividends to net income (ytd only)* | 25.7954% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,364 |
| Loan loss allowance to noncurrent loans | 470.4545% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,569 |
| Noncurrent loans to loans | 0.2374% | 2,986 |
| Net loans and leases to total assets | 33.2815% | 4,497 |
| Net loans and leases to deposits | 39.5363% | 4,468 |
| Net loans and leases to core deposits | 42.3305% | 4,438 |
| Total domestic deposits to total assets | 84.1797% | 3,409 |
| Equity capital to assets | 12.6828% | 1,100 |
| Core capital (leverage) ratio | 12.1369% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7045% | 390 |
| Memoranda: | ||
| Average total assets | $162,702,750 | 3,407 |
| Average earning assets | $153,871,000 | 3,368 |
| Average equity | $20,711,750 | 3,193 |
| Average total loans | $55,552,250 | 3,951 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1323% | 3,798 |
| Cost of funding earning assets | 0.2024% | 3,727 |
| Net interest margin | 2.9299% | 3,504 |
| Noninterest income to average assets | 0.8452% | 1,404 |
| Noninterest expense to average assets | 2.3131% | 2,728 |
| Loan and lease loss provision to assets | 0.0556% | 1,916 |
| Net operating income to assets | 1.0453% | 2,738 |
| Return on assets (ROA) | 1.0453% | 2,818 |
| Pretax return on assets | 1.2492% | 2,769 |
| Return on Equity (ROE) | 8.2014% | 3,349 |
| Retained earnings to average equity (ytd only) | 5.2931% | 3,076 |
| Net charge-offs to loans | 0.0900% | 795 |
| Credit loss provision to net charge-offs | 180.0000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 42.2400% | 1,138 |
| Efficiency ratio | 63.9344% | 2,436 |
| Assets per employee ($millions) | 5.5192% | 3,104 |
| Cash dividends to net income (ytd only)* | 35.4610% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,405 |
| Loan loss allowance to noncurrent loans | 465.1163% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,686 |
| Noncurrent loans to loans | 0.2368% | 3,100 |
| Net loans and leases to total assets | 32.5353% | 4,573 |
| Net loans and leases to deposits | 38.6286% | 4,561 |
| Net loans and leases to core deposits | 41.3150% | 4,544 |
| Total domestic deposits to total assets | 84.2261% | 3,360 |
| Equity capital to assets | 12.5313% | 1,117 |
| Core capital (leverage) ratio | 11.9704% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7688% | 386 |
| Memoranda: | ||
| Average total assets | $161,862,333 | 3,419 |
| Average earning assets | $153,179,000 | 3,383 |
| Average equity | $20,630,667 | 3,195 |
| Average total loans | $55,533,000 | 3,978 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1537% | 3,773 |
| Cost of funding earning assets | 0.2115% | 3,811 |
| Net interest margin | 2.9422% | 3,402 |
| Noninterest income to average assets | 0.8950% | 1,339 |
| Noninterest expense to average assets | 2.3999% | 2,489 |
| Loan and lease loss provision to assets | 0.0675% | 1,804 |
| Net operating income to assets | 0.9825% | 2,863 |
| Return on assets (ROA) | 0.9825% | 2,956 |
| Pretax return on assets | 1.2100% | 2,823 |
| Return on Equity (ROE) | 7.6416% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.6416% | 2,365 |
| Net charge-offs to loans | 0.1641% | 489 |
| Credit loss provision to net charge-offs | 117.3913% | 1,055 |
| Earnings coverage of net charge-offs (x) | 22.2174% | 1,213 |
| Efficiency ratio | 65.2617% | 2,335 |
| Assets per employee ($millions) | 5.4725% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,710 |
| Loan loss allowance to noncurrent loans | 871.6418% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,083 |
| Noncurrent loans to loans | 0.1188% | 3,720 |
| Net loans and leases to total assets | 34.0038% | 4,575 |
| Net loans and leases to deposits | 40.2115% | 4,559 |
| Net loans and leases to core deposits | 42.8389% | 4,537 |
| Total domestic deposits to total assets | 84.5623% | 3,260 |
| Equity capital to assets | 12.3008% | 1,147 |
| Core capital (leverage) ratio | 12.1792% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7887% | 365 |
| Memoranda: | ||
| Average total assets | $160,005,000 | 3,436 |
| Average earning assets | $151,315,500 | 3,400 |
| Average equity | $20,571,500 | 3,192 |
| Average total loans | $56,064,000 | 3,988 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 3,677 |
| Cost of funding earning assets | 0.3985% | 3,591 |
| Net interest margin | 3.2617% | 3,180 |
| Noninterest income to average assets | 0.5082% | 2,596 |
| Noninterest expense to average assets | 2.3779% | 3,181 |
| Loan and lease loss provision to assets | 0.1583% | 2,393 |
| Net operating income to assets | 0.8913% | 2,732 |
| Return on assets (ROA) | 0.9744% | 2,529 |
| Pretax return on assets | 1.1401% | 2,548 |
| Return on Equity (ROE) | 7.3434% | 3,051 |
| Retained earnings to average equity (ytd only) | 4.0853% | 2,770 |
| Net charge-offs to loans | 0.4420% | 378 |
| Credit loss provision to net charge-offs | 94.4444% | 2,896 |
| Earnings coverage of net charge-offs (x) | 7.1627% | 2,717 |
| Efficiency ratio | 66.4498% | 2,457 |
| Assets per employee ($millions) | 5.1945% | 3,167 |
| Cash dividends to net income (ytd only)* | 44.3686% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,715 |
| Loan loss allowance to noncurrent loans | 310.1604% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 3,686 |
| Noncurrent loans to loans | 0.3356% | 3,002 |
| Net loans and leases to total assets | 35.3825% | 4,605 |
| Net loans and leases to deposits | 42.7039% | 4,568 |
| Net loans and leases to core deposits | 45.3941% | 4,556 |
| Total domestic deposits to total assets | 82.8555% | 3,452 |
| Equity capital to assets | 13.4425% | 948 |
| Core capital (leverage) ratio | 12.4833% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1556% | 345 |
| Memoranda: | ||
| Average total assets | $150,341,800 | 3,404 |
| Average earning assets | $141,522,000 | 3,365 |
| Average equity | $19,949,800 | 3,191 |
| Average total loans | $57,014,200 | 3,963 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 3,746 |
| Cost of funding earning assets | 0.4434% | 3,563 |
| Net interest margin | 3.2820% | 3,244 |
| Noninterest income to average assets | 0.5388% | 2,432 |
| Noninterest expense to average assets | 2.4085% | 3,107 |
| Loan and lease loss provision to assets | 0.1376% | 2,637 |
| Net operating income to assets | 0.9211% | 2,619 |
| Return on assets (ROA) | 0.9926% | 2,499 |
| Pretax return on assets | 1.1635% | 2,511 |
| Return on Equity (ROE) | 7.5056% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.4753% | 2,336 |
| Net charge-offs to loans | 0.3651% | 433 |
| Credit loss provision to net charge-offs | 98.0892% | 2,649 |
| Earnings coverage of net charge-offs (x) | 8.6624% | 2,479 |
| Efficiency ratio | 66.4280% | 2,412 |
| Assets per employee ($millions) | 5.0519% | 3,178 |
| Cash dividends to net income (ytd only)* | 27.0514% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,583 |
| Loan loss allowance to noncurrent loans | 298.4848% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 3,772 |
| Noncurrent loans to loans | 0.3438% | 3,053 |
| Net loans and leases to total assets | 37.6142% | 4,621 |
| Net loans and leases to deposits | 45.5520% | 4,620 |
| Net loans and leases to core deposits | 49.7014% | 4,585 |
| Total domestic deposits to total assets | 82.5742% | 3,260 |
| Equity capital to assets | 13.8443% | 899 |
| Core capital (leverage) ratio | 12.5552% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0475% | 363 |
| Memoranda: | ||
| Average total assets | $148,968,750 | 3,404 |
| Average earning assets | $140,115,000 | 3,369 |
| Average equity | $19,700,250 | 3,217 |
| Average total loans | $57,338,250 | 3,978 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 3,822 |
| Cost of funding earning assets | 0.4827% | 3,638 |
| Net interest margin | 3.3330% | 3,297 |
| Noninterest income to average assets | 0.5564% | 2,324 |
| Noninterest expense to average assets | 2.4307% | 3,170 |
| Loan and lease loss provision to assets | 0.1837% | 2,186 |
| Net operating income to assets | 0.9048% | 2,669 |
| Return on assets (ROA) | 1.0114% | 2,405 |
| Pretax return on assets | 1.2018% | 2,358 |
| Return on Equity (ROE) | 7.7725% | 2,836 |
| Retained earnings to average equity (ytd only) | 4.6594% | 2,629 |
| Net charge-offs to loans | 0.4402% | 360 |
| Credit loss provision to net charge-offs | 107.9365% | 2,350 |
| Earnings coverage of net charge-offs (x) | 7.3968% | 2,367 |
| Efficiency ratio | 65.8858% | 2,535 |
| Assets per employee ($millions) | 4.8105% | 3,404 |
| Cash dividends to net income (ytd only)* | 40.0534% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,314 |
| Loan loss allowance to noncurrent loans | 170.6215% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 3,407 |
| Noncurrent loans to loans | 0.6162% | 2,319 |
| Net loans and leases to total assets | 36.9264% | 4,699 |
| Net loans and leases to deposits | 44.4093% | 4,695 |
| Net loans and leases to core deposits | 48.2460% | 4,659 |
| Total domestic deposits to total assets | 83.1501% | 3,042 |
| Equity capital to assets | 13.1769% | 1,086 |
| Core capital (leverage) ratio | 12.3921% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6829% | 377 |
| Memoranda: | ||
| Average total assets | $148,106,000 | 3,390 |
| Average earning assets | $139,213,333 | 3,358 |
| Average equity | $19,273,000 | 3,246 |
| Average total loans | $57,251,667 | 3,995 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,702 |
| Cost of funding earning assets | 0.5398% | 3,745 |
| Net interest margin | 3.4913% | 3,008 |
| Noninterest income to average assets | 0.4766% | 2,672 |
| Noninterest expense to average assets | 2.5098% | 3,243 |
| Loan and lease loss provision to assets | 0.0496% | 3,160 |
| Net operating income to assets | 1.0138% | 2,136 |
| Return on assets (ROA) | 1.0138% | 2,236 |
| Pretax return on assets | 1.1957% | 2,214 |
| Return on Equity (ROE) | 7.8433% | 2,578 |
| Retained earnings to average equity (ytd only) | 7.8433% | 1,274 |
| Net charge-offs to loans | 0.0070% | 2,319 |
| Credit loss provision to net charge-offs | 1,800.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 452.0000% | 142 |
| Efficiency ratio | 66.8379% | 2,844 |
| Assets per employee ($millions) | 4.5843% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,238 |
| Loan loss allowance to noncurrent loans | 115.3119% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 2,999 |
| Noncurrent loans to loans | 0.9493% | 1,733 |
| Net loans and leases to total assets | 37.5727% | 4,738 |
| Net loans and leases to deposits | 44.3977% | 4,755 |
| Net loans and leases to core deposits | 48.5929% | 4,709 |
| Total domestic deposits to total assets | 84.6275% | 2,557 |
| Equity capital to assets | 12.8994% | 1,487 |
| Core capital (leverage) ratio | 12.7729% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6156% | 345 |
| Memoranda: | ||
| Average total assets | $145,191,000 | 3,392 |
| Average earning assets | $136,340,000 | 3,366 |
| Average equity | $18,767,500 | 3,291 |
| Average total loans | $57,154,000 | 4,005 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 3,699 |
| Cost of funding earning assets | 0.5425% | 3,912 |
| Net interest margin | 3.7019% | 2,813 |
| Noninterest income to average assets | 0.5559% | 2,440 |
| Noninterest expense to average assets | 2.5102% | 3,420 |
| Loan and lease loss provision to assets | 0.0934% | 2,167 |
| Net operating income to assets | 1.1964% | 2,071 |
| Return on assets (ROA) | 1.1982% | 2,163 |
| Pretax return on assets | 1.4295% | 2,050 |
| Return on Equity (ROE) | 9.2742% | 2,621 |
| Retained earnings to average equity (ytd only) | 3.5257% | 3,237 |
| Net charge-offs to loans | 0.2152% | 948 |
| Credit loss provision to net charge-offs | 107.3171% | 2,313 |
| Earnings coverage of net charge-offs (x) | 17.4797% | 2,109 |
| Efficiency ratio | 62.2741% | 3,333 |
| Assets per employee ($millions) | 4.6350% | 3,040 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,417 |
| Loan loss allowance to noncurrent loans | 145.9459% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,289 |
| Noncurrent loans to loans | 0.6948% | 2,143 |
| Net loans and leases to total assets | 40.3563% | 4,721 |
| Net loans and leases to deposits | 48.0900% | 4,743 |
| Net loans and leases to core deposits | 52.9349% | 4,675 |
| Total domestic deposits to total assets | 83.9183% | 2,868 |
| Equity capital to assets | 12.9533% | 1,555 |
| Core capital (leverage) ratio | 12.9182% | 1,272 |
| Tier 1 risk-based capital ratio | 25.5441% | 712 |
| Total risk-based capital ratio | 26.3755% | 727 |
| Memoranda: | ||
| Average total assets | $141,382,200 | 3,420 |
| Average earning assets | $132,717,000 | 3,383 |
| Average equity | $18,265,800 | 3,314 |
| Average total loans | $57,151,400 | 4,027 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 3,754 |
| Cost of funding earning assets | 0.5297% | 4,027 |
| Net interest margin | 3.7399% | 2,790 |
| Noninterest income to average assets | 0.5644% | 2,388 |
| Noninterest expense to average assets | 2.5453% | 3,312 |
| Loan and lease loss provision to assets | 0.1023% | 1,877 |
| Net operating income to assets | 1.1947% | 2,211 |
| Return on assets (ROA) | 1.1931% | 2,299 |
| Pretax return on assets | 1.4251% | 2,208 |
| Return on Equity (ROE) | 9.2411% | 2,784 |
| Retained earnings to average equity (ytd only) | 6.6741% | 2,023 |
| Net charge-offs to loans | 0.2512% | 701 |
| Credit loss provision to net charge-offs | 100.9346% | 2,232 |
| Earnings coverage of net charge-offs (x) | 15.0938% | 2,209 |
| Efficiency ratio | 62.4680% | 3,250 |
| Assets per employee ($millions) | 4.5028% | 3,200 |
| Cash dividends to net income (ytd only)* | 27.7780% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,554 |
| Loan loss allowance to noncurrent loans | 96.5347% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 2,783 |
| Noncurrent loans to loans | 1.0386% | 1,546 |
| Net loans and leases to total assets | 41.3831% | 4,769 |
| Net loans and leases to deposits | 49.7751% | 4,778 |
| Net loans and leases to core deposits | 54.3512% | 4,730 |
| Total domestic deposits to total assets | 83.1401% | 3,114 |
| Equity capital to assets | 13.7041% | 1,269 |
| Core capital (leverage) ratio | 13.1711% | 1,271 |
| Tier 1 risk-based capital ratio | 26.0016% | 707 |
| Total risk-based capital ratio | 26.8231% | 719 |
| Memoranda: | ||
| Average total assets | $140,806,500 | 3,462 |
| Average earning assets | $132,158,500 | 3,423 |
| Average equity | $18,179,250 | 3,342 |
| Average total loans | $56,794,250 | 4,082 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 3,704 |
| Cost of funding earning assets | 0.4994% | 4,116 |
| Net interest margin | 3.7782% | 2,655 |
| Noninterest income to average assets | 0.5141% | 2,594 |
| Noninterest expense to average assets | 2.5508% | 3,329 |
| Loan and lease loss provision to assets | 0.0666% | 2,482 |
| Net operating income to assets | 1.2062% | 2,129 |
| Return on assets (ROA) | 1.2039% | 2,196 |
| Pretax return on assets | 1.4404% | 2,063 |
| Return on Equity (ROE) | 9.5171% | 2,625 |
| Retained earnings to average equity (ytd only) | 5.5983% | 2,476 |
| Net charge-offs to loans | 0.1457% | 1,063 |
| Credit loss provision to net charge-offs | 114.6341% | 1,803 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,579 |
| Efficiency ratio | 62.8183% | 3,315 |
| Assets per employee ($millions) | 4.7317% | 2,830 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,435 |
| Loan loss allowance to noncurrent loans | 3,476.4706% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,738 |
| Noncurrent loans to loans | 0.0297% | 4,569 |
| Net loans and leases to total assets | 39.9410% | 4,846 |
| Net loans and leases to deposits | 47.8415% | 4,851 |
| Net loans and leases to core deposits | 52.2120% | 4,815 |
| Total domestic deposits to total assets | 83.4860% | 3,057 |
| Equity capital to assets | 13.2559% | 1,465 |
| Core capital (leverage) ratio | 13.3805% | 1,158 |
| Tier 1 risk-based capital ratio | 25.7364% | 707 |
| Total risk-based capital ratio | 26.5622% | 716 |
| Memoranda: | ||
| Average total assets | $141,213,330 | 3,480 |
| Average earning assets | $132,548,330 | 3,442 |
| Average equity | $17,862,670 | 3,371 |
| Average total loans | $56,275,670 | 4,120 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 3,550 |
| Cost of funding earning assets | 0.4688% | 4,210 |
| Net interest margin | 3.8320% | 2,411 |
| Noninterest income to average assets | 0.5084% | 2,507 |
| Noninterest expense to average assets | 2.5674% | 3,305 |
| Loan and lease loss provision to assets | 0.0852% | 1,997 |
| Net operating income to assets | 1.2260% | 1,963 |
| Return on assets (ROA) | 1.2212% | 2,029 |
| Pretax return on assets | 1.4484% | 1,930 |
| Return on Equity (ROE) | 9.8933% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.8933% | 1,058 |
| Net charge-offs to loans | 0.0789% | 1,292 |
| Credit loss provision to net charge-offs | 272.7273% | 876 |
| Earnings coverage of net charge-offs (x) | 49.2727% | 1,039 |
| Efficiency ratio | 62.5173% | 3,451 |
| Assets per employee ($millions) | 4.6687% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,218 |
| Loan loss allowance to noncurrent loans | 2,082.7586% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,758 |
| Noncurrent loans to loans | 0.0520% | 4,530 |
| Net loans and leases to total assets | 39.3845% | 4,909 |
| Net loans and leases to deposits | 46.4389% | 4,917 |
| Net loans and leases to core deposits | 50.3533% | 4,877 |
| Total domestic deposits to total assets | 84.8094% | 2,745 |
| Equity capital to assets | 12.8074% | 1,566 |
| Core capital (leverage) ratio | 12.8988% | 1,321 |
| Tier 1 risk-based capital ratio | 26.4117% | 660 |
| Total risk-based capital ratio | 27.2811% | 670 |
| Memoranda: | ||
| Average total assets | $140,844,000 | 3,522 |
| Average earning assets | $132,253,500 | 3,481 |
| Average equity | $17,385,500 | 3,440 |
| Average total loans | $55,769,500 | 4,172 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,461 |
| Cost of funding earning assets | 0.3451% | 4,313 |
| Net interest margin | 3.8470% | 2,512 |
| Noninterest income to average assets | 0.6416% | 2,087 |
| Noninterest expense to average assets | 2.6360% | 3,225 |
| Loan and lease loss provision to assets | 0.0757% | 2,609 |
| Net operating income to assets | 1.5059% | 1,104 |
| Return on assets (ROA) | 1.5059% | 1,091 |
| Pretax return on assets | 1.5059% | 1,765 |
| Return on Equity (ROE) | 12.4107% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.8209% | 1,321 |
| Net charge-offs to loans | 0.1857% | 1,033 |
| Credit loss provision to net charge-offs | 100.9901% | 2,492 |
| Earnings coverage of net charge-offs (x) | 21.0891% | 1,964 |
| Efficiency ratio | 62.5000% | 3,435 |
| Assets per employee ($millions) | 4.7209% | 2,841 |
| Cash dividends to net income (ytd only)* | 36.9822% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,387 |
| Loan loss allowance to noncurrent loans | 2,340.0000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 4,798 |
| Noncurrent loans to loans | 0.0448% | 4,546 |
| Net loans and leases to total assets | 38.9669% | 4,982 |
| Net loans and leases to deposits | 46.0633% | 4,981 |
| Net loans and leases to core deposits | 49.5675% | 4,952 |
| Total domestic deposits to total assets | 84.5941% | 2,802 |
| Equity capital to assets | 11.8854% | 1,977 |
| Core capital (leverage) ratio | 13.5912% | 1,044 |
| Tier 1 risk-based capital ratio | 24.9586% | 749 |
| Total risk-based capital ratio | 25.7734% | 760 |
| Memoranda: | ||
| Average total assets | $134,671,400 | 3,584 |
| Average earning assets | $125,187,400 | 3,571 |
| Average equity | $16,340,800 | 3,483 |
| Average total loans | $54,392,600 | 4,220 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 3,543 |
| Cost of funding earning assets | 0.3157% | 4,407 |
| Net interest margin | 3.8124% | 2,599 |
| Noninterest income to average assets | 0.5777% | 2,432 |
| Noninterest expense to average assets | 2.6409% | 3,152 |
| Loan and lease loss provision to assets | 0.0542% | 2,884 |
| Net operating income to assets | 1.4192% | 1,419 |
| Return on assets (ROA) | 1.4192% | 1,420 |
| Pretax return on assets | 1.4192% | 2,165 |
| Return on Equity (ROE) | 11.6331% | 1,939 |
| Retained earnings to average equity (ytd only) | 9.5777% | 1,033 |
| Net charge-offs to loans | 0.1850% | 907 |
| Credit loss provision to net charge-offs | 72.0000% | 2,613 |
| Earnings coverage of net charge-offs (x) | 19.5862% | 2,000 |
| Efficiency ratio | 64.1882% | 3,153 |
| Assets per employee ($millions) | 4.5500% | 3,042 |
| Cash dividends to net income (ytd only)* | 17.6681% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,561 |
| Loan loss allowance to noncurrent loans | 184.3137% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 3,819 |
| Noncurrent loans to loans | 0.5611% | 2,700 |
| Net loans and leases to total assets | 39.5360% | 5,037 |
| Net loans and leases to deposits | 47.0440% | 5,033 |
| Net loans and leases to core deposits | 49.3453% | 5,038 |
| Total domestic deposits to total assets | 84.0404% | 2,928 |
| Equity capital to assets | 11.9787% | 1,923 |
| Core capital (leverage) ratio | 13.7037% | 1,029 |
| Tier 1 risk-based capital ratio | 25.2242% | 730 |
| Total risk-based capital ratio | 26.0231% | 753 |
| Memoranda: | ||
| Average total assets | $132,932,250 | 3,640 |
| Average earning assets | $123,315,000 | 3,634 |
| Average equity | $16,217,750 | 3,518 |
| Average total loans | $54,047,500 | 4,270 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 3,443 |
| Cost of funding earning assets | 0.2984% | 4,427 |
| Net interest margin | 3.8023% | 2,557 |
| Noninterest income to average assets | 0.5663% | 2,494 |
| Noninterest expense to average assets | 2.6476% | 3,172 |
| Loan and lease loss provision to assets | 0.0547% | 2,811 |
| Net operating income to assets | 1.3845% | 1,495 |
| Return on assets (ROA) | 1.3845% | 1,497 |
| Pretax return on assets | 1.3845% | 2,206 |
| Return on Equity (ROE) | 11.2778% | 2,002 |
| Retained earnings to average equity (ytd only) | 8.1863% | 1,540 |
| Net charge-offs to loans | 0.1447% | 1,054 |
| Credit loss provision to net charge-offs | 92.3077% | 2,138 |
| Earnings coverage of net charge-offs (x) | 24.3077% | 1,683 |
| Efficiency ratio | 64.7845% | 3,195 |
| Assets per employee ($millions) | 4.5679% | 3,018 |
| Cash dividends to net income (ytd only)* | 27.4123% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,332 |
| Loan loss allowance to noncurrent loans | 129.1111% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,389 |
| Noncurrent loans to loans | 0.8433% | 2,036 |
| Net loans and leases to total assets | 39.8425% | 5,058 |
| Net loans and leases to deposits | 47.5958% | 5,041 |
| Net loans and leases to core deposits | 49.8150% | 5,048 |
| Total domestic deposits to total assets | 83.7102% | 3,169 |
| Equity capital to assets | 12.1274% | 1,765 |
| Core capital (leverage) ratio | 13.3417% | 1,120 |
| Tier 1 risk-based capital ratio | 26.3328% | 649 |
| Total risk-based capital ratio | 27.2170% | 661 |
| Memoranda: | ||
| Average total assets | $131,742,670 | 3,679 |
| Average earning assets | $121,979,670 | 3,668 |
| Average equity | $16,173,330 | 3,537 |
| Average total loans | $53,886,330 | 4,306 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 3,469 |
| Cost of funding earning assets | 0.2824% | 4,488 |
| Net interest margin | 3.7571% | 2,588 |
| Noninterest income to average assets | 0.5480% | 2,528 |
| Noninterest expense to average assets | 2.6549% | 3,176 |
| Loan and lease loss provision to assets | 0.0548% | 2,669 |
| Net operating income to assets | 1.1348% | 2,269 |
| Return on assets (ROA) | 1.1296% | 2,306 |
| Pretax return on assets | 1.3153% | 2,306 |
| Return on Equity (ROE) | 9.1450% | 2,837 |
| Retained earnings to average equity (ytd only) | 9.1450% | 1,413 |
| Net charge-offs to loans | 0.2438% | 629 |
| Credit loss provision to net charge-offs | 54.5455% | 1,917 |
| Earnings coverage of net charge-offs (x) | 13.6970% | 1,743 |
| Efficiency ratio | 65.8610% | 3,191 |
| Assets per employee ($millions) | 4.3579% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,641 |
| Loan loss allowance to noncurrent loans | 154.2005% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,731 |
| Noncurrent loans to loans | 0.6826% | 2,503 |
| Net loans and leases to total assets | 40.9145% | 5,033 |
| Net loans and leases to deposits | 48.8502% | 5,014 |
| Net loans and leases to core deposits | 51.1538% | 5,009 |
| Total domestic deposits to total assets | 83.7550% | 3,414 |
| Equity capital to assets | 12.1872% | 1,668 |
| Core capital (leverage) ratio | 13.0909% | 1,143 |
| Tier 1 risk-based capital ratio | 25.7193% | 706 |
| Total risk-based capital ratio | 26.5796% | 720 |
| Memoranda: | ||
| Average total assets | $131,379,500 | 3,729 |
| Average earning assets | $121,797,500 | 3,720 |
| Average equity | $16,227,500 | 3,558 |
| Average total loans | $54,149,500 | 4,343 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,493 |
| Cost of funding earning assets | 0.2946% | 4,195 |
| Net interest margin | 3.6804% | 2,877 |
| Noninterest income to average assets | 0.5177% | 2,889 |
| Noninterest expense to average assets | 2.5940% | 3,466 |
| Loan and lease loss provision to assets | 0.1238% | 1,848 |
| Net operating income to assets | 1.0084% | 2,205 |
| Return on assets (ROA) | 1.0347% | 2,137 |
| Pretax return on assets | 1.2445% | 2,575 |
| Return on Equity (ROE) | 7.6641% | 2,975 |
| Retained earnings to average equity (ytd only) | 2.3535% | 3,914 |
| Net charge-offs to loans | 0.2636% | 987 |
| Credit loss provision to net charge-offs | 111.5646% | 2,333 |
| Earnings coverage of net charge-offs (x) | 12.0476% | 2,511 |
| Efficiency ratio | 65.9946% | 3,268 |
| Assets per employee ($millions) | 4.4008% | 3,348 |
| Cash dividends to net income (ytd only)* | 69.2925% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,470 |
| Loan loss allowance to noncurrent loans | 384.2105% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,561 |
| Noncurrent loans to loans | 0.2802% | 3,781 |
| Net loans and leases to total assets | 40.6414% | 5,105 |
| Net loans and leases to deposits | 49.0157% | 5,095 |
| Net loans and leases to core deposits | 51.2014% | 5,093 |
| Total domestic deposits to total assets | 82.9151% | 3,592 |
| Equity capital to assets | 12.5145% | 1,511 |
| Core capital (leverage) ratio | 12.7808% | 1,228 |
| Tier 1 risk-based capital ratio | 26.0703% | 659 |
| Total risk-based capital ratio | 26.9709% | 669 |
| Memoranda: | ||
| Average total assets | $132,497,800 | 3,707 |
| Average earning assets | $122,866,000 | 3,698 |
| Average equity | $17,888,600 | 3,383 |
| Average total loans | $55,768,800 | 4,299 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,510 |
| Cost of funding earning assets | 0.3012% | 4,115 |
| Net interest margin | 3.6519% | 2,943 |
| Noninterest income to average assets | 0.5158% | 2,933 |
| Noninterest expense to average assets | 2.6271% | 3,331 |
| Loan and lease loss provision to assets | 0.1468% | 1,428 |
| Net operating income to assets | 0.9628% | 2,716 |
| Return on assets (ROA) | 0.9722% | 2,732 |
| Pretax return on assets | 1.1421% | 3,147 |
| Return on Equity (ROE) | 7.0723% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.2439% | 2,715 |
| Net charge-offs to loans | 0.3277% | 640 |
| Credit loss provision to net charge-offs | 105.7971% | 2,196 |
| Earnings coverage of net charge-offs (x) | 9.2099% | 2,715 |
| Efficiency ratio | 67.2760% | 3,004 |
| Assets per employee ($millions) | 4.3480% | 3,395 |
| Cash dividends to net income (ytd only)* | 25.8536% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,955 |
| Loan loss allowance to noncurrent loans | 310.8108% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 4,546 |
| Noncurrent loans to loans | 0.3281% | 3,773 |
| Net loans and leases to total assets | 42.7810% | 5,087 |
| Net loans and leases to deposits | 53.1178% | 4,999 |
| Net loans and leases to core deposits | 55.3348% | 5,027 |
| Total domestic deposits to total assets | 80.5399% | 4,196 |
| Equity capital to assets | 14.4502% | 868 |
| Core capital (leverage) ratio | 14.2145% | 834 |
| Tier 1 risk-based capital ratio | 28.5701% | 536 |
| Total risk-based capital ratio | 29.4429% | 543 |
| Memoranda: | ||
| Average total assets | $132,616,500 | 3,743 |
| Average earning assets | $123,075,000 | 3,730 |
| Average equity | $18,230,250 | 3,365 |
| Average total loans | $56,151,000 | 4,324 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 3,551 |
| Cost of funding earning assets | 0.3200% | 3,877 |
| Net interest margin | 3.5794% | 3,112 |
| Noninterest income to average assets | 0.5070% | 2,973 |
| Noninterest expense to average assets | 2.5618% | 3,546 |
| Loan and lease loss provision to assets | 0.1845% | 1,022 |
| Net operating income to assets | 0.8840% | 2,996 |
| Return on assets (ROA) | 0.8999% | 2,970 |
| Pretax return on assets | 1.1024% | 3,167 |
| Return on Equity (ROE) | 6.6578% | 3,744 |
| Retained earnings to average equity (ytd only) | 3.8837% | 3,384 |
| Net charge-offs to loans | 0.4637% | 431 |
| Credit loss provision to net charge-offs | 94.6154% | 2,096 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,704 |
| Efficiency ratio | 66.9017% | 3,196 |
| Assets per employee ($millions) | 4.4263% | 3,225 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,134 |
| Loan loss allowance to noncurrent loans | 510.0000% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 4,865 |
| Noncurrent loans to loans | 0.1964% | 4,334 |
| Net loans and leases to total assets | 41.7535% | 5,155 |
| Net loans and leases to deposits | 51.8129% | 5,068 |
| Net loans and leases to core deposits | 54.2818% | 5,076 |
| Total domestic deposits to total assets | 80.5850% | 4,290 |
| Equity capital to assets | 13.9364% | 988 |
| Core capital (leverage) ratio | 13.8934% | 891 |
| Tier 1 risk-based capital ratio | 28.0143% | 548 |
| Total risk-based capital ratio | 28.8659% | 561 |
| Memoranda: | ||
| Average total assets | $133,341,670 | 3,760 |
| Average earning assets | $123,765,330 | 3,741 |
| Average equity | $18,024,000 | 3,390 |
| Average total loans | $56,075,000 | 4,353 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 3,667 |
| Cost of funding earning assets | 0.3290% | 3,753 |
| Net interest margin | 3.4969% | 3,285 |
| Noninterest income to average assets | 0.5119% | 2,900 |
| Noninterest expense to average assets | 2.6044% | 3,485 |
| Loan and lease loss provision to assets | 0.1287% | 1,490 |
| Net operating income to assets | 0.8622% | 2,934 |
| Return on assets (ROA) | 0.8622% | 2,980 |
| Pretax return on assets | 1.0238% | 3,267 |
| Return on Equity (ROE) | 6.4781% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.4781% | 2,095 |
| Net charge-offs to loans | 0.3921% | 467 |
| Credit loss provision to net charge-offs | 78.1818% | 1,766 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,177 |
| Efficiency ratio | 69.3227% | 2,993 |
| Assets per employee ($millions) | 4.4630% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,287 |
| Loan loss allowance to noncurrent loans | 418.0451% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 4,873 |
| Noncurrent loans to loans | 0.2393% | 4,254 |
| Net loans and leases to total assets | 41.1009% | 5,204 |
| Net loans and leases to deposits | 50.8440% | 5,076 |
| Net loans and leases to core deposits | 53.4230% | 5,089 |
| Total domestic deposits to total assets | 80.8373% | 4,450 |
| Equity capital to assets | 13.4708% | 1,077 |
| Core capital (leverage) ratio | 13.9470% | 861 |
| Tier 1 risk-based capital ratio | 27.9270% | 565 |
| Total risk-based capital ratio | 28.7712% | 577 |
| Memoranda: | ||
| Average total assets | $133,618,000 | 3,786 |
| Average earning assets | $123,994,000 | 3,769 |
| Average equity | $17,783,000 | 3,438 |
| Average total loans | $56,110,000 | 4,397 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 3,748 |
| Cost of funding earning assets | 0.3933% | 3,061 |
| Net interest margin | 3.4544% | 3,607 |
| Noninterest income to average assets | 0.4997% | 3,240 |
| Noninterest expense to average assets | 2.4827% | 4,068 |
| Loan and lease loss provision to assets | 0.2720% | 741 |
| Net operating income to assets | 0.8813% | 2,922 |
| Return on assets (ROA) | 0.9313% | 2,780 |
| Pretax return on assets | 0.9860% | 3,526 |
| Return on Equity (ROE) | 6.8068% | 3,577 |
| Retained earnings to average equity (ytd only) | 1.6747% | 4,578 |
| Net charge-offs to loans | 0.5442% | 443 |
| Credit loss provision to net charge-offs | 121.0526% | 2,193 |
| Earnings coverage of net charge-offs (x) | 5.3618% | 3,352 |
| Efficiency ratio | 67.3281% | 3,380 |
| Assets per employee ($millions) | 4.4449% | 3,198 |
| Cash dividends to net income (ytd only)* | 75.3968% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 4,304 |
| Loan loss allowance to noncurrent loans | 450.7937% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 4,949 |
| Noncurrent loans to loans | 0.2225% | 4,355 |
| Net loans and leases to total assets | 42.0455% | 5,228 |
| Net loans and leases to deposits | 52.4668% | 5,090 |
| Net loans and leases to core deposits | 55.3197% | 5,081 |
| Total domestic deposits to total assets | 80.1374% | 4,544 |
| Equity capital to assets | 13.1463% | 1,197 |
| Core capital (leverage) ratio | 13.4713% | 983 |
| Tier 1 risk-based capital ratio | 27.6492% | 588 |
| Total risk-based capital ratio | 28.5167% | 590 |
| Memoranda: | ||
| Average total assets | $135,293,600 | 3,748 |
| Average earning assets | $124,855,200 | 3,738 |
| Average equity | $18,510,800 | 3,335 |
| Average total loans | $55,861,200 | 4,410 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,745 |
| Cost of funding earning assets | 0.3972% | 3,048 |
| Net interest margin | 3.4597% | 3,626 |
| Noninterest income to average assets | 0.5126% | 3,165 |
| Noninterest expense to average assets | 2.5413% | 3,858 |
| Loan and lease loss provision to assets | 0.3182% | 526 |
| Net operating income to assets | 0.8380% | 3,202 |
| Return on assets (ROA) | 0.8759% | 3,153 |
| Pretax return on assets | 0.8818% | 4,043 |
| Return on Equity (ROE) | 6.3409% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.3409% | 1,988 |
| Net charge-offs to loans | 0.6491% | 312 |
| Credit loss provision to net charge-offs | 119.5572% | 2,093 |
| Earnings coverage of net charge-offs (x) | 4.3654% | 3,278 |
| Efficiency ratio | 68.6290% | 3,116 |
| Assets per employee ($millions) | 4.5389% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,398 |
| Loan loss allowance to noncurrent loans | 155.1532% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 4,386 |
| Noncurrent loans to loans | 0.6456% | 3,086 |
| Net loans and leases to total assets | 40.4287% | 5,359 |
| Net loans and leases to deposits | 50.8263% | 5,261 |
| Net loans and leases to core deposits | 53.5099% | 5,240 |
| Total domestic deposits to total assets | 79.5429% | 4,604 |
| Equity capital to assets | 14.0510% | 1,011 |
| Core capital (leverage) ratio | 13.7614% | 927 |
| Tier 1 risk-based capital ratio | 28.5734% | 549 |
| Total risk-based capital ratio | 29.4251% | 562 |
| Memoranda: | ||
| Average total assets | $135,780,500 | 3,754 |
| Average earning assets | $125,208,750 | 3,749 |
| Average equity | $18,756,000 | 3,330 |
| Average total loans | $55,668,000 | 4,452 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 3,702 |
| Cost of funding earning assets | 0.3963% | 3,081 |
| Net interest margin | 3.4739% | 3,596 |
| Noninterest income to average assets | 0.5072% | 3,144 |
| Noninterest expense to average assets | 2.5344% | 3,930 |
| Loan and lease loss provision to assets | 0.2963% | 611 |
| Net operating income to assets | 0.7722% | 3,435 |
| Return on assets (ROA) | 0.7932% | 3,484 |
| Pretax return on assets | 0.8920% | 3,982 |
| Return on Equity (ROE) | 5.7755% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.7755% | 2,254 |
| Net charge-offs to loans | 0.5172% | 416 |
| Credit loss provision to net charge-offs | 139.5833% | 1,689 |
| Earnings coverage of net charge-offs (x) | 5.4861% | 2,849 |
| Efficiency ratio | 68.5134% | 3,244 |
| Assets per employee ($millions) | 4.5864% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,490 |
| Loan loss allowance to noncurrent loans | 260.9302% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 4,886 |
| Noncurrent loans to loans | 0.3848% | 3,979 |
| Net loans and leases to total assets | 40.1964% | 5,411 |
| Net loans and leases to deposits | 50.1915% | 5,325 |
| Net loans and leases to core deposits | 52.8157% | 5,334 |
| Total domestic deposits to total assets | 80.0861% | 4,516 |
| Equity capital to assets | 13.8693% | 1,069 |
| Core capital (leverage) ratio | 13.6588% | 925 |
| Tier 1 risk-based capital ratio | 27.3426% | 626 |
| Total risk-based capital ratio | 28.1703% | 636 |
| Memoranda: | ||
| Average total assets | $135,651,330 | 3,784 |
| Average earning assets | $124,642,670 | 3,787 |
| Average equity | $18,630,330 | 3,352 |
| Average total loans | $55,688,000 | 4,482 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 3,708 |
| Cost of funding earning assets | 0.3963% | 3,114 |
| Net interest margin | 3.4696% | 3,587 |
| Noninterest income to average assets | 0.4603% | 3,416 |
| Noninterest expense to average assets | 2.5631% | 3,873 |
| Loan and lease loss provision to assets | 0.2911% | 553 |
| Net operating income to assets | 0.7134% | 3,643 |
| Return on assets (ROA) | 0.7544% | 3,572 |
| Pretax return on assets | 0.8227% | 4,127 |
| Return on Equity (ROE) | 5.5205% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.5205% | 2,630 |
| Net charge-offs to loans | 0.3957% | 568 |
| Credit loss provision to net charge-offs | 178.1818% | 1,160 |
| Earnings coverage of net charge-offs (x) | 6.5455% | 2,237 |
| Efficiency ratio | 70.5642% | 3,034 |
| Assets per employee ($millions) | 4.5495% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 4,574 |
| Loan loss allowance to noncurrent loans | 283.4197% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 5,012 |
| Noncurrent loans to loans | 0.3547% | 4,159 |
| Net loans and leases to total assets | 39.4649% | 5,483 |
| Net loans and leases to deposits | 49.0462% | 5,382 |
| Net loans and leases to core deposits | 51.6161% | 5,368 |
| Total domestic deposits to total assets | 80.4647% | 4,646 |
| Equity capital to assets | 13.6241% | 1,127 |
| Core capital (leverage) ratio | 13.7919% | 868 |
| Tier 1 risk-based capital ratio | 27.6523% | 635 |
| Total risk-based capital ratio | 28.4812% | 643 |
| Memoranda: | ||
| Average total assets | $134,681,000 | 3,821 |
| Average earning assets | $123,128,000 | 3,844 |
| Average equity | $18,404,000 | 3,382 |
| Average total loans | $55,598,000 | 4,507 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 2,929 |
| Cost of funding earning assets | 0.4159% | 2,986 |
| Net interest margin | 3.6822% | 2,817 |
| Noninterest income to average assets | 0.5214% | 3,188 |
| Noninterest expense to average assets | 2.6791% | 3,655 |
| Loan and lease loss provision to assets | 0.3484% | 429 |
| Net operating income to assets | 0.7762% | 3,440 |
| Return on assets (ROA) | 1.0467% | 2,226 |
| Pretax return on assets | 1.1370% | 2,900 |
| Return on Equity (ROE) | 7.5741% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.4186% | 3,623 |
| Net charge-offs to loans | 1.1074% | 170 |
| Credit loss provision to net charge-offs | 72.6837% | 3,080 |
| Earnings coverage of net charge-offs (x) | 2.4856% | 3,896 |
| Efficiency ratio | 69.2186% | 3,360 |
| Assets per employee ($millions) | 4.4292% | 3,153 |
| Cash dividends to net income (ytd only)* | 54.8647% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 5,125 |
| Loan loss allowance to noncurrent loans | 170.2703% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 4,696 |
| Noncurrent loans to loans | 0.5213% | 3,607 |
| Net loans and leases to total assets | 42.3560% | 5,387 |
| Net loans and leases to deposits | 53.2112% | 5,204 |
| Net loans and leases to core deposits | 56.0808% | 5,204 |
| Total domestic deposits to total assets | 79.5998% | 4,842 |
| Equity capital to assets | 13.7068% | 1,040 |
| Core capital (leverage) ratio | 13.8907% | 850 |
| Tier 1 risk-based capital ratio | 26.9097% | 672 |
| Total risk-based capital ratio | 27.6635% | 690 |
| Memoranda: | ||
| Average total assets | $130,605,400 | 3,880 |
| Average earning assets | $118,787,800 | 3,907 |
| Average equity | $18,048,400 | 3,377 |
| Average total loans | $56,528,000 | 4,482 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 2,982 |
| Cost of funding earning assets | 0.4181% | 3,025 |
| Net interest margin | 3.6728% | 2,876 |
| Noninterest income to average assets | 0.5260% | 3,194 |
| Noninterest expense to average assets | 2.7181% | 3,500 |
| Loan and lease loss provision to assets | 0.3609% | 367 |
| Net operating income to assets | 0.7235% | 3,801 |
| Return on assets (ROA) | 0.7608% | 3,725 |
| Pretax return on assets | 0.8387% | 4,209 |
| Return on Equity (ROE) | 5.4940% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.4940% | 2,585 |
| Net charge-offs to loans | 1.3885% | 112 |
| Credit loss provision to net charge-offs | 59.8639% | 2,909 |
| Earnings coverage of net charge-offs (x) | 1.9218% | 3,763 |
| Efficiency ratio | 70.1137% | 3,188 |
| Assets per employee ($millions) | 4.1915% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 5,596 |
| Loan loss allowance to noncurrent loans | 562.8205% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,532 |
| Noncurrent loans to loans | 0.1363% | 5,087 |
| Net loans and leases to total assets | 43.7135% | 5,372 |
| Net loans and leases to deposits | 54.9015% | 5,193 |
| Net loans and leases to core deposits | 58.3186% | 5,169 |
| Total domestic deposits to total assets | 79.6217% | 4,822 |
| Equity capital to assets | 14.1299% | 972 |
| Core capital (leverage) ratio | 14.1003% | 836 |
| Tier 1 risk-based capital ratio | 26.6986% | 716 |
| Total risk-based capital ratio | 27.3455% | 740 |
| Memoranda: | ||
| Average total assets | $130,037,750 | 3,925 |
| Average earning assets | $118,634,500 | 3,943 |
| Average equity | $18,007,250 | 3,412 |
| Average total loans | $56,463,750 | 4,529 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,144 |
| Cost of funding earning assets | 0.4189% | 3,047 |
| Net interest margin | 3.6153% | 3,030 |
| Noninterest income to average assets | 0.5059% | 3,336 |
| Noninterest expense to average assets | 2.7185% | 3,531 |
| Loan and lease loss provision to assets | 0.2291% | 817 |
| Net operating income to assets | 0.7712% | 3,534 |
| Return on assets (ROA) | 0.7657% | 3,659 |
| Pretax return on assets | 0.8565% | 4,101 |
| Return on Equity (ROE) | 5.5675% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.5675% | 2,493 |
| Net charge-offs to loans | 0.1210% | 1,800 |
| Credit loss provision to net charge-offs | 438.2353% | 691 |
| Earnings coverage of net charge-offs (x) | 20.8824% | 1,701 |
| Efficiency ratio | 71.3479% | 3,102 |
| Assets per employee ($millions) | 4.1755% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 2,828 |
| Loan loss allowance to noncurrent loans | 50.4153% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 2,092 |
| Noncurrent loans to loans | 2.7487% | 773 |
| Net loans and leases to total assets | 43.3762% | 5,409 |
| Net loans and leases to deposits | 54.2342% | 5,240 |
| Net loans and leases to core deposits | 57.8710% | 5,207 |
| Total domestic deposits to total assets | 79.9795% | 4,876 |
| Equity capital to assets | 13.9105% | 1,009 |
| Core capital (leverage) ratio | 13.6651% | 937 |
| Tier 1 risk-based capital ratio | 26.5902% | 737 |
| Total risk-based capital ratio | 27.7639% | 726 |
| Memoranda: | ||
| Average total assets | $130,071,330 | 3,960 |
| Average earning assets | $118,883,000 | 3,969 |
| Average equity | $17,889,670 | 3,437 |
| Average total loans | $56,205,330 | 4,573 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,029 |
| Cost of funding earning assets | 0.4184% | 3,096 |
| Net interest margin | 3.6355% | 2,875 |
| Noninterest income to average assets | 0.4786% | 3,440 |
| Noninterest expense to average assets | 2.7457% | 3,430 |
| Loan and lease loss provision to assets | 0.1718% | 1,147 |
| Net operating income to assets | 0.8094% | 3,215 |
| Return on assets (ROA) | 0.8038% | 3,364 |
| Pretax return on assets | 0.8866% | 3,939 |
| Return on Equity (ROE) | 5.8772% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.8772% | 2,561 |
| Net charge-offs to loans | 0.0143% | 2,883 |
| Credit loss provision to net charge-offs | 2,800.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 317 |
| Efficiency ratio | 72.0612% | 3,164 |
| Assets per employee ($millions) | 4.0841% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 3,259 |
| Loan loss allowance to noncurrent loans | 47.2150% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1814% | 2,269 |
| Noncurrent loans to loans | 2.8114% | 816 |
| Net loans and leases to total assets | 41.4642% | 5,521 |
| Net loans and leases to deposits | 51.7762% | 5,346 |
| Net loans and leases to core deposits | 55.0622% | 5,311 |
| Total domestic deposits to total assets | 80.0836% | 5,031 |
| Equity capital to assets | 13.8074% | 1,053 |
| Core capital (leverage) ratio | 13.6791% | 909 |
| Tier 1 risk-based capital ratio | 27.9096% | 655 |
| Total risk-based capital ratio | 29.0631% | 647 |
| Memoranda: | ||
| Average total assets | $130,386,000 | 3,985 |
| Average earning assets | $119,489,500 | 3,987 |
| Average equity | $17,831,500 | 3,475 |
| Average total loans | $55,840,000 | 4,616 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 3,057 |
| Cost of funding earning assets | 0.4380% | 3,304 |
| Net interest margin | 3.7282% | 2,888 |
| Noninterest income to average assets | 0.5176% | 3,375 |
| Noninterest expense to average assets | 2.5436% | 4,413 |
| Loan and lease loss provision to assets | 0.1817% | 1,416 |
| Net operating income to assets | 1.1637% | 1,699 |
| Return on assets (ROA) | 1.1573% | 1,808 |
| Pretax return on assets | 1.2489% | 2,445 |
| Return on Equity (ROE) | 8.6474% | 2,763 |
| Retained earnings to average equity (ytd only) | 1.8025% | 4,911 |
| Net charge-offs to loans | 0.1953% | 2,102 |
| Credit loss provision to net charge-offs | 220.3704% | 1,135 |
| Earnings coverage of net charge-offs (x) | 17.4352% | 1,926 |
| Efficiency ratio | 63.8926% | 4,603 |
| Assets per employee ($millions) | 4.0650% | 3,793 |
| Cash dividends to net income (ytd only)* | 79.1557% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 4,071 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 5,482 |
| Noncurrent loans to loans | 0.3171% | 4,708 |
| Net loans and leases to total assets | 43.1162% | 5,529 |
| Net loans and leases to deposits | 54.1627% | 5,321 |
| Net loans and leases to core deposits | 57.9335% | 5,262 |
| Total domestic deposits to total assets | 79.6050% | 5,121 |
| Equity capital to assets | 13.5439% | 1,144 |
| Core capital (leverage) ratio | 13.4316% | 991 |
| Tier 1 risk-based capital ratio | 17.2362% | 2,407 |
| Total risk-based capital ratio | 17.9057% | 2,599 |
| Memoranda: | ||
| Average total assets | $130,995,400 | 3,955 |
| Average earning assets | $121,692,800 | 3,926 |
| Average equity | $17,531,200 | 3,449 |
| Average total loans | $55,289,200 | 4,636 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,161 |
| Cost of funding earning assets | 0.4369% | 3,396 |
| Net interest margin | 3.7160% | 2,957 |
| Noninterest income to average assets | 0.5253% | 3,359 |
| Noninterest expense to average assets | 2.5554% | 4,339 |
| Loan and lease loss provision to assets | 0.2235% | 1,020 |
| Net operating income to assets | 1.1692% | 1,799 |
| Return on assets (ROA) | 1.1624% | 1,882 |
| Pretax return on assets | 1.2050% | 2,758 |
| Return on Equity (ROE) | 8.7113% | 2,835 |
| Retained earnings to average equity (ytd only) | 6.0461% | 2,383 |
| Net charge-offs to loans | 0.1311% | 2,486 |
| Credit loss provision to net charge-offs | 407.4074% | 685 |
| Earnings coverage of net charge-offs (x) | 26.1660% | 1,490 |
| Efficiency ratio | 64.0275% | 4,536 |
| Assets per employee ($millions) | 4.5164% | 2,941 |
| Cash dividends to net income (ytd only)* | 30.5946% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,922 |
| Loan loss allowance to noncurrent loans | 522.7941% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 5,753 |
| Noncurrent loans to loans | 0.2398% | 5,180 |
| Net loans and leases to total assets | 42.7617% | 5,617 |
| Net loans and leases to deposits | 53.3715% | 5,429 |
| Net loans and leases to core deposits | 57.3300% | 5,375 |
| Total domestic deposits to total assets | 80.1209% | 5,073 |
| Equity capital to assets | 13.7803% | 1,079 |
| Core capital (leverage) ratio | 13.8351% | 886 |
| Tier 1 risk-based capital ratio | 17.9847% | 2,214 |
| Total risk-based capital ratio | 18.7010% | 2,375 |
| Memoranda: | ||
| Average total assets | $131,224,000 | 3,981 |
| Average earning assets | $122,385,750 | 3,939 |
| Average equity | $17,509,500 | 3,468 |
| Average total loans | $54,921,250 | 4,693 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 3,253 |
| Cost of funding earning assets | 0.4411% | 3,427 |
| Net interest margin | 3.6808% | 3,028 |
| Noninterest income to average assets | 0.5224% | 3,319 |
| Noninterest expense to average assets | 2.5254% | 4,496 |
| Loan and lease loss provision to assets | 0.1081% | 2,209 |
| Net operating income to assets | 1.0869% | 1,983 |
| Return on assets (ROA) | 1.0769% | 2,093 |
| Pretax return on assets | 1.3084% | 2,224 |
| Return on Equity (ROE) | 8.1594% | 3,012 |
| Retained earnings to average equity (ytd only) | 4.1201% | 3,551 |
| Net charge-offs to loans | 0.1510% | 2,181 |
| Credit loss provision to net charge-offs | 173.1707% | 1,315 |
| Earnings coverage of net charge-offs (x) | 22.8780% | 1,489 |
| Efficiency ratio | 63.8675% | 4,708 |
| Assets per employee ($millions) | 4.5996% | 2,769 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 5,184 |
| Loan loss allowance to noncurrent loans | 187.2964% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 5,411 |
| Noncurrent loans to loans | 0.5523% | 4,360 |
| Net loans and leases to total assets | 41.2379% | 5,726 |
| Net loans and leases to deposits | 50.9456% | 5,565 |
| Net loans and leases to core deposits | 54.6052% | 5,513 |
| Total domestic deposits to total assets | 80.9449% | 4,998 |
| Equity capital to assets | 13.2359% | 1,253 |
| Core capital (leverage) ratio | 13.1832% | 1,093 |
| Tier 1 risk-based capital ratio | 17.0494% | 2,599 |
| Total risk-based capital ratio | 17.6119% | 2,853 |
| Memoranda: | ||
| Average total assets | $131,306,330 | 4,009 |
| Average earning assets | $122,418,670 | 3,962 |
| Average equity | $17,329,670 | 3,495 |
| Average total loans | $54,322,000 | 4,739 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,490 |
| Cost of funding earning assets | 0.4486% | 3,443 |
| Net interest margin | 3.5987% | 3,248 |
| Noninterest income to average assets | 0.4913% | 3,482 |
| Noninterest expense to average assets | 2.5517% | 4,441 |
| Loan and lease loss provision to assets | 0.1013% | 2,231 |
| Net operating income to assets | 1.0173% | 2,142 |
| Return on assets (ROA) | 1.0041% | 2,254 |
| Pretax return on assets | 1.1730% | 2,598 |
| Return on Equity (ROE) | 7.6193% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.6193% | 1,761 |
| Net charge-offs to loans | 0.2533% | 1,315 |
| Credit loss provision to net charge-offs | 97.0588% | 1,727 |
| Earnings coverage of net charge-offs (x) | 12.3529% | 1,721 |
| Efficiency ratio | 66.4269% | 4,456 |
| Assets per employee ($millions) | 4.6565% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 5,433 |
| Loan loss allowance to noncurrent loans | 418.4615% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 5,820 |
| Noncurrent loans to loans | 0.2444% | 5,373 |
| Net loans and leases to total assets | 38.9858% | 5,876 |
| Net loans and leases to deposits | 47.7632% | 5,745 |
| Net loans and leases to core deposits | 51.1141% | 5,680 |
| Total domestic deposits to total assets | 81.6231% | 5,048 |
| Equity capital to assets | 12.9015% | 1,353 |
| Core capital (leverage) ratio | 13.0708% | 1,138 |
| Tier 1 risk-based capital ratio | 16.4779% | 2,909 |
| Total risk-based capital ratio | 16.9931% | 3,273 |
| Memoranda: | ||
| Average total assets | $130,266,000 | 4,061 |
| Average earning assets | $121,266,500 | 4,016 |
| Average equity | $17,167,000 | 3,527 |
| Average total loans | $53,692,500 | 4,802 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,754 |
| Cost of funding earning assets | 0.5622% | 3,001 |
| Net interest margin | 3.5347% | 3,742 |
| Noninterest income to average assets | 0.5557% | 3,364 |
| Noninterest expense to average assets | 2.6100% | 4,423 |
| Loan and lease loss provision to assets | 0.1607% | 2,272 |
| Net operating income to assets | 1.0935% | 1,955 |
| Return on assets (ROA) | 1.0896% | 2,039 |
| Pretax return on assets | 1.0749% | 3,050 |
| Return on Equity (ROE) | 8.1247% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.0739% | 3,283 |
| Net charge-offs to loans | 0.3664% | 1,850 |
| Credit loss provision to net charge-offs | 106.7010% | 2,258 |
| Earnings coverage of net charge-offs (x) | 8.2320% | 2,701 |
| Efficiency ratio | 67.8024% | 4,235 |
| Assets per employee ($millions) | 4.0482% | 3,765 |
| Cash dividends to net income (ytd only)* | 49.8575% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 5,533 |
| Loan loss allowance to noncurrent loans | 514.1509% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,753 |
| Noncurrent loans to loans | 0.1956% | 5,600 |
| Net loans and leases to total assets | 42.7514% | 5,772 |
| Net loans and leases to deposits | 53.8428% | 5,482 |
| Net loans and leases to core deposits | 57.4264% | 5,432 |
| Total domestic deposits to total assets | 79.4004% | 5,578 |
| Equity capital to assets | 13.4764% | 1,078 |
| Core capital (leverage) ratio | 13.2969% | 1,023 |
| Tier 1 risk-based capital ratio | 16.5210% | 2,846 |
| Total risk-based capital ratio | 17.0485% | 3,154 |
| Memoranda: | ||
| Average total assets | $128,850,800 | 4,093 |
| Average earning assets | $120,068,200 | 4,045 |
| Average equity | $17,280,600 | 3,522 |
| Average total loans | $52,949,800 | 4,843 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 3,952 |
| Cost of funding earning assets | 0.5611% | 3,156 |
| Net interest margin | 3.4836% | 3,952 |
| Noninterest income to average assets | 0.5521% | 3,440 |
| Noninterest expense to average assets | 2.6133% | 4,345 |
| Loan and lease loss provision to assets | 0.1686% | 2,156 |
| Net operating income to assets | 1.1298% | 1,885 |
| Return on assets (ROA) | 1.1298% | 1,958 |
| Pretax return on assets | 1.0188% | 3,427 |
| Return on Equity (ROE) | 8.4345% | 2,907 |
| Retained earnings to average equity (ytd only) | 6.1321% | 2,327 |
| Net charge-offs to loans | 0.3698% | 1,720 |
| Credit loss provision to net charge-offs | 112.3288% | 2,100 |
| Earnings coverage of net charge-offs (x) | 7.9110% | 2,706 |
| Efficiency ratio | 68.7585% | 3,951 |
| Assets per employee ($millions) | 4.1034% | 3,634 |
| Cash dividends to net income (ytd only)* | 27.2975% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 5,647 |
| Loan loss allowance to noncurrent loans | 289.4737% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 5,693 |
| Noncurrent loans to loans | 0.3510% | 5,330 |
| Net loans and leases to total assets | 42.1202% | 5,892 |
| Net loans and leases to deposits | 52.7399% | 5,653 |
| Net loans and leases to core deposits | 56.5006% | 5,579 |
| Total domestic deposits to total assets | 79.8640% | 5,539 |
| Equity capital to assets | 13.5026% | 1,115 |
| Core capital (leverage) ratio | 13.5192% | 1,016 |
| Tier 1 risk-based capital ratio | 16.9187% | 2,745 |
| Total risk-based capital ratio | 17.4608% | 3,039 |
| Memoranda: | ||
| Average total assets | $129,690,250 | 4,123 |
| Average earning assets | $120,945,000 | 4,078 |
| Average equity | $17,372,750 | 3,551 |
| Average total loans | $52,638,500 | 4,899 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 4,170 |
| Cost of funding earning assets | 0.6077% | 2,873 |
| Net interest margin | 3.3766% | 4,278 |
| Noninterest income to average assets | 0.5409% | 3,561 |
| Noninterest expense to average assets | 2.6035% | 4,369 |
| Loan and lease loss provision to assets | 0.2237% | 1,692 |
| Net operating income to assets | 1.0926% | 1,945 |
| Return on assets (ROA) | 1.0880% | 2,080 |
| Pretax return on assets | 0.8596% | 4,067 |
| Return on Equity (ROE) | 8.1430% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.7023% | 3,260 |
| Net charge-offs to loans | 0.5408% | 1,223 |
| Credit loss provision to net charge-offs | 103.5461% | 2,135 |
| Earnings coverage of net charge-offs (x) | 5.0355% | 2,978 |
| Efficiency ratio | 70.5272% | 3,732 |
| Assets per employee ($millions) | 4.1362% | 3,503 |
| Cash dividends to net income (ytd only)* | 42.2535% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 5,763 |
| Loan loss allowance to noncurrent loans | 293.4426% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 5,920 |
| Noncurrent loans to loans | 0.3458% | 5,427 |
| Net loans and leases to total assets | 40.8580% | 5,981 |
| Net loans and leases to deposits | 51.1766% | 5,759 |
| Net loans and leases to core deposits | 54.6664% | 5,701 |
| Total domestic deposits to total assets | 79.8373% | 5,647 |
| Equity capital to assets | 13.4462% | 1,162 |
| Core capital (leverage) ratio | 12.9792% | 1,170 |
| Tier 1 risk-based capital ratio | 16.2585% | 3,066 |
| Total risk-based capital ratio | 16.7789% | 3,418 |
| Memoranda: | ||
| Average total assets | $130,518,670 | 4,130 |
| Average earning assets | $121,778,330 | 4,086 |
| Average equity | $17,438,330 | 3,558 |
| Average total loans | $52,141,670 | 4,947 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 4,622 |
| Cost of funding earning assets | 0.6322% | 2,827 |
| Net interest margin | 3.2262% | 4,821 |
| Noninterest income to average assets | 0.5347% | 3,535 |
| Noninterest expense to average assets | 2.5580% | 4,540 |
| Loan and lease loss provision to assets | 0.3433% | 965 |
| Net operating income to assets | 1.1848% | 1,571 |
| Return on assets (ROA) | 1.1787% | 1,699 |
| Pretax return on assets | 0.6349% | 4,821 |
| Return on Equity (ROE) | 8.8499% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.8499% | 1,437 |
| Net charge-offs to loans | 0.9739% | 630 |
| Credit loss provision to net charge-offs | 89.6825% | 2,029 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,000 |
| Efficiency ratio | 72.2127% | 3,573 |
| Assets per employee ($millions) | 4.3986% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 5,873 |
| Loan loss allowance to noncurrent loans | 254.4118% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 5,984 |
| Noncurrent loans to loans | 0.4049% | 5,410 |
| Net loans and leases to total assets | 36.5655% | 6,255 |
| Net loans and leases to deposits | 45.8757% | 6,062 |
| Net loans and leases to core deposits | 48.8034% | 6,051 |
| Total domestic deposits to total assets | 79.7056% | 5,820 |
| Equity capital to assets | 12.9497% | 1,456 |
| Core capital (leverage) ratio | 12.6492% | 1,276 |
| Tier 1 risk-based capital ratio | 15.5203% | 3,516 |
| Total risk-based capital ratio | 16.0011% | 3,965 |
| Memoranda: | ||
| Average total assets | $131,667,000 | 4,144 |
| Average earning assets | $122,746,000 | 4,099 |
| Average equity | $17,537,000 | 3,588 |
| Average total loans | $51,749,500 | 4,996 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 3,592 |
| Cost of funding earning assets | 0.8190% | 2,518 |
| Net interest margin | 3.6363% | 3,938 |
| Noninterest income to average assets | 0.5974% | 3,290 |
| Noninterest expense to average assets | 2.5057% | 5,072 |
| Loan and lease loss provision to assets | 0.2074% | 3,066 |
| Net operating income to assets | 1.0971% | 1,943 |
| Return on assets (ROA) | 1.1020% | 2,113 |
| Pretax return on assets | 1.2188% | 2,728 |
| Return on Equity (ROE) | 8.2123% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.8870% | 3,460 |
| Net charge-offs to loans | 0.7097% | 1,661 |
| Credit loss provision to net charge-offs | 69.7917% | 4,173 |
| Earnings coverage of net charge-offs (x) | 4.7813% | 3,258 |
| Efficiency ratio | 63.8155% | 4,922 |
| Assets per employee ($millions) | 4.0960% | 3,744 |
| Cash dividends to net income (ytd only)* | 52.6685% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 5,953 |
| Loan loss allowance to noncurrent loans | 184.7222% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,974 |
| Noncurrent loans to loans | 0.5422% | 5,170 |
| Net loans and leases to total assets | 41.4157% | 6,058 |
| Net loans and leases to deposits | 53.4632% | 5,696 |
| Net loans and leases to core deposits | 57.1491% | 5,622 |
| Total domestic deposits to total assets | 77.4658% | 6,170 |
| Equity capital to assets | 13.7160% | 1,146 |
| Core capital (leverage) ratio | 12.7425% | 1,224 |
| Tier 1 risk-based capital ratio | 15.0121% | 3,714 |
| Total risk-based capital ratio | 15.5001% | 4,163 |
| Memoranda: | ||
| Average total assets | $129,223,200 | 4,158 |
| Average earning assets | $118,307,800 | 4,151 |
| Average equity | $17,339,800 | 3,569 |
| Average total loans | $54,104,600 | 4,934 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 3,606 |
| Cost of funding earning assets | 0.8458% | 2,578 |
| Net interest margin | 3.6612% | 3,963 |
| Noninterest income to average assets | 0.5958% | 3,303 |
| Noninterest expense to average assets | 2.4882% | 5,119 |
| Loan and lease loss provision to assets | 0.1541% | 3,599 |
| Net operating income to assets | 1.1360% | 1,965 |
| Return on assets (ROA) | 1.0890% | 2,331 |
| Pretax return on assets | 1.2441% | 2,807 |
| Return on Equity (ROE) | 8.1596% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.2351% | 2,536 |
| Net charge-offs to loans | 0.8758% | 1,252 |
| Credit loss provision to net charge-offs | 42.0168% | 4,573 |
| Earnings coverage of net charge-offs (x) | 3.9580% | 3,443 |
| Efficiency ratio | 63.1551% | 4,949 |
| Assets per employee ($millions) | 4.3340% | 3,201 |
| Cash dividends to net income (ytd only)* | 23.5852% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 6,581 |
| Loan loss allowance to noncurrent loans | 157.5000% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 6,156 |
| Noncurrent loans to loans | 0.5137% | 5,413 |
| Net loans and leases to total assets | 41.5798% | 6,158 |
| Net loans and leases to deposits | 55.4232% | 5,679 |
| Net loans and leases to core deposits | 59.3905% | 5,618 |
| Total domestic deposits to total assets | 75.0223% | 6,516 |
| Equity capital to assets | 13.6118% | 1,302 |
| Core capital (leverage) ratio | 12.9156% | 1,222 |
| Tier 1 risk-based capital ratio | 15.3684% | 3,614 |
| Total risk-based capital ratio | 15.7791% | 4,136 |
| Memoranda: | ||
| Average total assets | $129,785,000 | 4,191 |
| Average earning assets | $118,538,500 | 4,183 |
| Average equity | $17,320,750 | 3,603 |
| Average total loans | $54,350,750 | 4,983 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 3,415 |
| Cost of funding earning assets | 0.8737% | 2,619 |
| Net interest margin | 3.7158% | 3,751 |
| Noninterest income to average assets | 0.5936% | 3,291 |
| Noninterest expense to average assets | 2.4902% | 5,173 |
| Loan and lease loss provision to assets | 0.0879% | 4,483 |
| Net operating income to assets | 1.2713% | 1,513 |
| Return on assets (ROA) | 1.0316% | 2,554 |
| Pretax return on assets | 1.1256% | 3,206 |
| Return on Equity (ROE) | 7.7813% | 3,357 |
| Retained earnings to average equity (ytd only) | 4.8735% | 3,352 |
| Net charge-offs to loans | 0.2615% | 3,014 |
| Credit loss provision to net charge-offs | 80.2817% | 3,315 |
| Earnings coverage of net charge-offs (x) | 13.4648% | 1,792 |
| Efficiency ratio | 62.8160% | 5,114 |
| Assets per employee ($millions) | 4.4064% | 3,081 |
| Cash dividends to net income (ytd only)* | 37.3692% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,502 |
| Loan loss allowance to noncurrent loans | 171.3514% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 5,942 |
| Noncurrent loans to loans | 0.6799% | 5,144 |
| Net loans and leases to total assets | 40.6851% | 6,296 |
| Net loans and leases to deposits | 53.9536% | 5,869 |
| Net loans and leases to core deposits | 57.7172% | 5,796 |
| Total domestic deposits to total assets | 75.4076% | 6,541 |
| Equity capital to assets | 13.2309% | 1,420 |
| Core capital (leverage) ratio | 12.4941% | 1,356 |
| Tier 1 risk-based capital ratio | 14.9134% | 3,825 |
| Total risk-based capital ratio | 15.5003% | 4,235 |
| Memoranda: | ||
| Average total assets | $129,706,670 | 4,218 |
| Average earning assets | $117,658,330 | 4,223 |
| Average equity | $17,195,000 | 3,614 |
| Average total loans | $54,300,000 | 5,019 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 3,070 |
| Cost of funding earning assets | 0.9244% | 2,483 |
| Net interest margin | 3.7711% | 3,514 |
| Noninterest income to average assets | 0.5760% | 3,369 |
| Noninterest expense to average assets | 2.4318% | 5,366 |
| Loan and lease loss provision to assets | 0.0592% | 4,671 |
| Net operating income to assets | 1.2446% | 1,616 |
| Return on assets (ROA) | 1.2393% | 1,815 |
| Pretax return on assets | 1.4448% | 2,037 |
| Return on Equity (ROE) | 9.3386% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.3386% | 1,464 |
| Net charge-offs to loans | 0.2360% | 2,752 |
| Credit loss provision to net charge-offs | 59.3750% | 3,132 |
| Earnings coverage of net charge-offs (x) | 15.1563% | 1,431 |
| Efficiency ratio | 61.6904% | 5,331 |
| Assets per employee ($millions) | 4.4185% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 5,506 |
| Loan loss allowance to noncurrent loans | 113.3929% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 5,683 |
| Noncurrent loans to loans | 1.0538% | 4,591 |
| Net loans and leases to total assets | 39.6092% | 6,375 |
| Net loans and leases to deposits | 53.0445% | 5,897 |
| Net loans and leases to core deposits | 56.9186% | 5,824 |
| Total domestic deposits to total assets | 74.6716% | 6,684 |
| Equity capital to assets | 12.9795% | 1,452 |
| Core capital (leverage) ratio | 12.4488% | 1,363 |
| Tier 1 risk-based capital ratio | 14.8272% | 3,870 |
| Total risk-based capital ratio | 15.4123% | 4,319 |
| Memoranda: | ||
| Average total assets | $128,464,500 | 4,269 |
| Average earning assets | $114,663,000 | 4,320 |
| Average equity | $17,047,500 | 3,641 |
| Average total loans | $54,242,000 | 5,057 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 3,595 |
| Cost of funding earning assets | 1.0251% | 3,196 |
| Net interest margin | 3.8228% | 3,705 |
| Noninterest income to average assets | 0.5985% | 3,172 |
| Noninterest expense to average assets | 2.4898% | 5,502 |
| Loan and lease loss provision to assets | 0.1372% | 4,903 |
| Net operating income to assets | 1.3051% | 1,234 |
| Return on assets (ROA) | 1.3399% | 1,241 |
| Pretax return on assets | 1.5925% | 1,222 |
| Return on Equity (ROE) | 9.9627% | 2,072 |
| Retained earnings to average equity (ytd only) | 3.3209% | 3,861 |
| Net charge-offs to loans | 0.1963% | 4,574 |
| Credit loss provision to net charge-offs | 157.9439% | 1,757 |
| Earnings coverage of net charge-offs (x) | 19.4299% | 1,168 |
| Efficiency ratio | 59.5918% | 5,819 |
| Assets per employee ($millions) | 4.1458% | 3,561 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,533 |
| Loan loss allowance to noncurrent loans | 383.4320% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 6,486 |
| Noncurrent loans to loans | 0.3054% | 6,115 |
| Net loans and leases to total assets | 43.9778% | 6,214 |
| Net loans and leases to deposits | 60.6491% | 5,419 |
| Net loans and leases to core deposits | 64.9230% | 5,371 |
| Total domestic deposits to total assets | 72.5119% | 6,848 |
| Equity capital to assets | 13.5800% | 1,229 |
| Core capital (leverage) ratio | 12.6892% | 1,273 |
| Tier 1 risk-based capital ratio | 14.7556% | 3,791 |
| Total risk-based capital ratio | 15.3650% | 4,197 |
| Memoranda: | ||
| Average total assets | $123,141,600 | 4,314 |
| Average earning assets | $115,308,400 | 4,253 |
| Average equity | $16,561,800 | 3,640 |
| Average total loans | $54,515,200 | 5,093 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 3,955 |
| Cost of funding earning assets | 1.0333% | 3,442 |
| Net interest margin | 3.7836% | 3,953 |
| Noninterest income to average assets | 0.5872% | 3,251 |
| Noninterest expense to average assets | 2.4727% | 5,552 |
| Loan and lease loss provision to assets | 0.1237% | 4,886 |
| Net operating income to assets | 1.3188% | 1,328 |
| Return on assets (ROA) | 1.3492% | 1,356 |
| Pretax return on assets | 1.5956% | 1,401 |
| Return on Equity (ROE) | 10.0565% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.2249% | 1,854 |
| Net charge-offs to loans | 0.1792% | 4,369 |
| Credit loss provision to net charge-offs | 156.1644% | 1,989 |
| Earnings coverage of net charge-offs (x) | 21.2468% | 1,190 |
| Efficiency ratio | 59.4933% | 5,794 |
| Assets per employee ($millions) | 4.1892% | 3,466 |
| Cash dividends to net income (ytd only)* | 28.1580% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,718 |
| Loan loss allowance to noncurrent loans | 235.7143% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,534 |
| Noncurrent loans to loans | 0.4847% | 5,878 |
| Net loans and leases to total assets | 43.1709% | 6,411 |
| Net loans and leases to deposits | 59.2692% | 5,719 |
| Net loans and leases to core deposits | 63.7245% | 5,652 |
| Total domestic deposits to total assets | 72.8387% | 6,868 |
| Equity capital to assets | 13.8468% | 1,228 |
| Core capital (leverage) ratio | 13.1122% | 1,185 |
| Tier 1 risk-based capital ratio | 15.0041% | 3,656 |
| Total risk-based capital ratio | 15.5908% | 4,060 |
| Memoranda: | ||
| Average total assets | $122,833,500 | 4,344 |
| Average earning assets | $115,866,500 | 4,255 |
| Average equity | $16,479,750 | 3,665 |
| Average total loans | $54,307,750 | 5,149 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 4,222 |
| Cost of funding earning assets | 1.0399% | 3,672 |
| Net interest margin | 3.7275% | 4,137 |
| Noninterest income to average assets | 0.5792% | 3,274 |
| Noninterest expense to average assets | 2.5023% | 5,526 |
| Loan and lease loss provision to assets | 0.1083% | 4,948 |
| Net operating income to assets | 1.2896% | 1,348 |
| Return on assets (ROA) | 1.3258% | 1,333 |
| Pretax return on assets | 1.5638% | 1,346 |
| Return on Equity (ROE) | 9.9924% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.6640% | 2,613 |
| Net charge-offs to loans | 0.1146% | 4,558 |
| Credit loss provision to net charge-offs | 212.9032% | 1,412 |
| Earnings coverage of net charge-offs (x) | 32.0323% | 877 |
| Efficiency ratio | 60.5639% | 5,790 |
| Assets per employee ($millions) | 4.1503% | 3,454 |
| Cash dividends to net income (ytd only)* | 43.3168% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,793 |
| Loan loss allowance to noncurrent loans | 474.0458% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 6,834 |
| Noncurrent loans to loans | 0.2406% | 6,441 |
| Net loans and leases to total assets | 43.2318% | 6,500 |
| Net loans and leases to deposits | 59.0954% | 5,812 |
| Net loans and leases to core deposits | 63.2455% | 5,795 |
| Total domestic deposits to total assets | 73.1559% | 6,908 |
| Equity capital to assets | 13.3935% | 1,341 |
| Core capital (leverage) ratio | 12.8245% | 1,235 |
| Tier 1 risk-based capital ratio | 14.5097% | 3,779 |
| Total risk-based capital ratio | 15.0976% | 4,243 |
| Memoranda: | ||
| Average total assets | $121,886,330 | 4,392 |
| Average earning assets | $116,163,000 | 4,270 |
| Average equity | $16,172,330 | 3,704 |
| Average total loans | $54,116,330 | 5,202 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 4,517 |
| Cost of funding earning assets | 1.0554% | 3,810 |
| Net interest margin | 3.6470% | 4,341 |
| Noninterest income to average assets | 0.5540% | 3,481 |
| Noninterest expense to average assets | 2.5312% | 5,446 |
| Loan and lease loss provision to assets | 0.0763% | 5,044 |
| Net operating income to assets | 1.2481% | 1,390 |
| Return on assets (ROA) | 1.2540% | 1,431 |
| Pretax return on assets | 1.4265% | 1,653 |
| Return on Equity (ROE) | 9.4972% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.4972% | 1,238 |
| Net charge-offs to loans | 0.0593% | 4,338 |
| Credit loss provision to net charge-offs | 287.5000% | 1,111 |
| Earnings coverage of net charge-offs (x) | 56.3750% | 524 |
| Efficiency ratio | 62.8501% | 5,547 |
| Assets per employee ($millions) | 4.0700% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,835 |
| Loan loss allowance to noncurrent loans | 445.1852% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 6,891 |
| Noncurrent loans to loans | 0.2590% | 6,472 |
| Net loans and leases to total assets | 42.1970% | 6,601 |
| Net loans and leases to deposits | 57.4450% | 5,983 |
| Net loans and leases to core deposits | 62.5423% | 5,875 |
| Total domestic deposits to total assets | 73.4564% | 6,958 |
| Equity capital to assets | 13.3201% | 1,254 |
| Core capital (leverage) ratio | 12.8355% | 1,183 |
| Tier 1 risk-based capital ratio | 15.0281% | 3,409 |
| Total risk-based capital ratio | 15.6102% | 3,794 |
| Memoranda: | ||
| Average total assets | $120,575,500 | 4,463 |
| Average earning assets | $114,835,500 | 4,328 |
| Average equity | $15,920,500 | 3,740 |
| Average total loans | $53,950,500 | 5,257 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1366% | 3,922 |
| Cost of funding earning assets | 1.2556% | 4,176 |
| Net interest margin | 3.8810% | 3,582 |
| Noninterest income to average assets | 0.5444% | 3,857 |
| Noninterest expense to average assets | 2.5025% | 5,785 |
| Loan and lease loss provision to assets | 0.1404% | 5,779 |
| Net operating income to assets | 1.2899% | 1,204 |
| Return on assets (ROA) | 1.2980% | 1,235 |
| Pretax return on assets | 1.4920% | 1,396 |
| Return on Equity (ROE) | 9.6705% | 2,047 |
| Retained earnings to average equity (ytd only) | 3.3333% | 3,533 |
| Net charge-offs to loans | 0.3793% | 4,144 |
| Credit loss provision to net charge-offs | 80.0971% | 5,560 |
| Earnings coverage of net charge-offs (x) | 9.2621% | 1,848 |
| Efficiency ratio | 60.6598% | 5,942 |
| Assets per employee ($millions) | 3.9683% | 3,854 |
| Cash dividends to net income (ytd only)* | 65.5308% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 6,141 |
| Loan loss allowance to noncurrent loans | 537.6147% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 7,002 |
| Noncurrent loans to loans | 0.1954% | 6,678 |
| Net loans and leases to total assets | 46.3595% | 6,532 |
| Net loans and leases to deposits | 64.6007% | 5,556 |
| Net loans and leases to core deposits | 69.3581% | 5,505 |
| Total domestic deposits to total assets | 71.7631% | 7,101 |
| Equity capital to assets | 13.0844% | 1,355 |
| Core capital (leverage) ratio | 12.7181% | 1,233 |
| Tier 1 risk-based capital ratio | 14.5587% | 3,506 |
| Total risk-based capital ratio | 15.1239% | 3,931 |
| Memoranda: | ||
| Average total assets | $117,563,200 | 4,535 |
| Average earning assets | $108,477,000 | 4,497 |
| Average equity | $15,780,000 | 3,808 |
| Average total loans | $54,305,200 | 5,302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 4,048 |
| Cost of funding earning assets | 1.2862% | 4,317 |
| Net interest margin | 3.8697% | 3,659 |
| Noninterest income to average assets | 0.5393% | 3,869 |
| Noninterest expense to average assets | 2.5064% | 5,697 |
| Loan and lease loss provision to assets | 0.1274% | 5,750 |
| Net operating income to assets | 1.2558% | 1,458 |
| Return on assets (ROA) | 1.2617% | 1,518 |
| Pretax return on assets | 1.4551% | 1,735 |
| Return on Equity (ROE) | 9.3402% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.8136% | 1,936 |
| Net charge-offs to loans | 0.5068% | 3,261 |
| Credit loss provision to net charge-offs | 54.6341% | 5,810 |
| Earnings coverage of net charge-offs (x) | 6.7560% | 2,456 |
| Efficiency ratio | 61.3991% | 5,722 |
| Assets per employee ($millions) | 3.9860% | 3,867 |
| Cash dividends to net income (ytd only)* | 27.0514% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,509 |
| Loan loss allowance to noncurrent loans | 1,977.7778% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 7,304 |
| Noncurrent loans to loans | 0.0491% | 7,123 |
| Net loans and leases to total assets | 45.5034% | 6,742 |
| Net loans and leases to deposits | 62.8289% | 6,042 |
| Net loans and leases to core deposits | 67.3912% | 6,001 |
| Total domestic deposits to total assets | 72.4243% | 7,093 |
| Equity capital to assets | 13.8527% | 1,218 |
| Core capital (leverage) ratio | 13.0590% | 1,205 |
| Tier 1 risk-based capital ratio | 15.1755% | 3,169 |
| Total risk-based capital ratio | 15.7027% | 3,507 |
| Memoranda: | ||
| Average total assets | $117,191,500 | 4,603 |
| Average earning assets | $107,292,750 | 4,588 |
| Average equity | $15,830,750 | 3,837 |
| Average total loans | $53,937,250 | 5,394 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 4,293 |
| Cost of funding earning assets | 1.3147% | 4,447 |
| Net interest margin | 3.8165% | 3,825 |
| Noninterest income to average assets | 0.5017% | 4,104 |
| Noninterest expense to average assets | 2.5190% | 5,652 |
| Loan and lease loss provision to assets | 0.0790% | 6,149 |
| Net operating income to assets | 1.2200% | 1,509 |
| Return on assets (ROA) | 1.2200% | 1,566 |
| Pretax return on assets | 1.4004% | 1,838 |
| Return on Equity (ROE) | 9.1107% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.2611% | 2,742 |
| Net charge-offs to loans | 0.5075% | 3,009 |
| Credit loss provision to net charge-offs | 33.8235% | 5,683 |
| Earnings coverage of net charge-offs (x) | 6.3309% | 2,472 |
| Efficiency ratio | 62.9996% | 5,520 |
| Assets per employee ($millions) | 3.9097% | 3,948 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,407 |
| Loan loss allowance to noncurrent loans | 406.8182% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 7,108 |
| Noncurrent loans to loans | 0.2455% | 6,741 |
| Net loans and leases to total assets | 45.3858% | 6,814 |
| Net loans and leases to deposits | 62.5623% | 6,179 |
| Net loans and leases to core deposits | 67.5691% | 6,095 |
| Total domestic deposits to total assets | 72.5450% | 7,136 |
| Equity capital to assets | 13.3942% | 1,392 |
| Core capital (leverage) ratio | 12.5826% | 1,371 |
| Tier 1 risk-based capital ratio | 15.3236% | 2,991 |
| Total risk-based capital ratio | 15.8732% | 3,343 |
| Memoranda: | ||
| Average total assets | $116,395,330 | 4,645 |
| Average earning assets | $106,642,330 | 4,629 |
| Average equity | $15,586,000 | 3,873 |
| Average total loans | $53,600,670 | 5,442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 4,416 |
| Cost of funding earning assets | 1.3245% | 4,658 |
| Net interest margin | 3.8010% | 3,791 |
| Noninterest income to average assets | 0.4761% | 4,234 |
| Noninterest expense to average assets | 2.5322% | 5,608 |
| Loan and lease loss provision to assets | 0.0966% | 5,666 |
| Net operating income to assets | 1.1971% | 1,548 |
| Return on assets (ROA) | 1.1971% | 1,622 |
| Pretax return on assets | 1.3420% | 1,929 |
| Return on Equity (ROE) | 8.9410% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.9410% | 1,415 |
| Net charge-offs to loans | 0.9866% | 1,662 |
| Credit loss provision to net charge-offs | 21.2121% | 4,935 |
| Earnings coverage of net charge-offs (x) | 3.1591% | 3,000 |
| Efficiency ratio | 63.7706% | 5,537 |
| Assets per employee ($millions) | 3.8897% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 6,379 |
| Loan loss allowance to noncurrent loans | 435.8333% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 7,226 |
| Noncurrent loans to loans | 0.2330% | 6,872 |
| Net loans and leases to total assets | 43.6842% | 7,018 |
| Net loans and leases to deposits | 60.6778% | 6,395 |
| Net loans and leases to core deposits | 65.6518% | 6,315 |
| Total domestic deposits to total assets | 71.9938% | 7,266 |
| Equity capital to assets | 13.5271% | 1,312 |
| Core capital (leverage) ratio | 12.8534% | 1,267 |
| Tier 1 risk-based capital ratio | 15.7113% | 2,774 |
| Total risk-based capital ratio | 16.2615% | 3,070 |
| Memoranda: | ||
| Average total assets | $115,948,000 | 4,724 |
| Average earning assets | $106,604,500 | 4,681 |
| Average equity | $15,524,000 | 3,914 |
| Average total loans | $53,516,000 | 5,516 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 3,846 |
| Cost of funding earning assets | 1.6313% | 4,881 |
| Net interest margin | 3.9231% | 3,181 |
| Noninterest income to average assets | 0.5533% | 3,994 |
| Noninterest expense to average assets | 2.6274% | 5,682 |
| Loan and lease loss provision to assets | 0.1806% | 5,894 |
| Net operating income to assets | 1.2569% | 1,119 |
| Return on assets (ROA) | 1.2675% | 1,156 |
| Pretax return on assets | 1.4013% | 1,437 |
| Return on Equity (ROE) | 9.7159% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.2730% | 1,242 |
| Net charge-offs to loans | 0.1761% | 5,541 |
| Credit loss provision to net charge-offs | 218.4783% | 1,733 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,105 |
| Efficiency ratio | 62.5936% | 6,041 |
| Assets per employee ($millions) | 3.8401% | 4,175 |
| Cash dividends to net income (ytd only)* | 35.4359% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,754 |
| Loan loss allowance to noncurrent loans | 202.9126% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 6,784 |
| Noncurrent loans to loans | 0.5564% | 6,131 |
| Net loans and leases to total assets | 47.6598% | 6,831 |
| Net loans and leases to deposits | 67.0108% | 5,944 |
| Net loans and leases to core deposits | 88.0708% | 5,325 |
| Total domestic deposits to total assets | 71.1225% | 7,328 |
| Equity capital to assets | 13.2487% | 1,414 |
| Core capital (leverage) ratio | 12.7897% | 1,312 |
| Tier 1 risk-based capital ratio | 15.1369% | 2,872 |
| Total risk-based capital ratio | 15.7879% | 3,136 |
| Memoranda: | ||
| Average total assets | $111,325,200 | 4,787 |
| Average earning assets | $103,412,600 | 4,746 |
| Average equity | $14,522,600 | 4,140 |
| Average total loans | $52,253,200 | 5,578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6008% | 3,858 |
| Cost of funding earning assets | 1.6958% | 4,918 |
| Net interest margin | 3.9050% | 3,224 |
| Noninterest income to average assets | 0.5691% | 3,930 |
| Noninterest expense to average assets | 2.6496% | 5,524 |
| Loan and lease loss provision to assets | 0.1800% | 5,564 |
| Net operating income to assets | 1.2519% | 1,339 |
| Return on assets (ROA) | 1.2662% | 1,369 |
| Pretax return on assets | 1.3858% | 1,737 |
| Return on Equity (ROE) | 9.7458% | 2,016 |
| Retained earnings to average equity (ytd only) | 9.7458% | 682 |
| Net charge-offs to loans | 0.1607% | 5,107 |
| Credit loss provision to net charge-offs | 240.3226% | 1,820 |
| Earnings coverage of net charge-offs (x) | 20.6947% | 1,226 |
| Efficiency ratio | 63.0898% | 5,909 |
| Assets per employee ($millions) | 3.7279% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,589 |
| Loan loss allowance to noncurrent loans | 188.4735% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 6,779 |
| Noncurrent loans to loans | 0.5953% | 6,118 |
| Net loans and leases to total assets | 47.6756% | 6,983 |
| Net loans and leases to deposits | 67.6955% | 6,157 |
| Net loans and leases to core deposits | 89.8307% | 5,450 |
| Total domestic deposits to total assets | 70.4266% | 7,386 |
| Equity capital to assets | 13.9390% | 1,327 |
| Core capital (leverage) ratio | 13.3561% | 1,276 |
| Tier 1 risk-based capital ratio | 15.7313% | 2,726 |
| Total risk-based capital ratio | 16.3765% | 2,922 |
| Memoranda: | ||
| Average total assets | $110,355,500 | 4,847 |
| Average earning assets | $102,601,250 | 4,801 |
| Average equity | $14,337,500 | 4,220 |
| Average total loans | $51,433,250 | 5,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6215% | 3,961 |
| Cost of funding earning assets | 1.7790% | 4,865 |
| Net interest margin | 3.8425% | 3,363 |
| Noninterest income to average assets | 0.5607% | 3,960 |
| Noninterest expense to average assets | 2.6797% | 5,453 |
| Loan and lease loss provision to assets | 0.1839% | 5,194 |
| Net operating income to assets | 1.1722% | 1,555 |
| Return on assets (ROA) | 1.1942% | 1,575 |
| Pretax return on assets | 1.2871% | 2,061 |
| Return on Equity (ROE) | 9.4251% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.4251% | 835 |
| Net charge-offs to loans | 0.2174% | 4,141 |
| Credit loss provision to net charge-offs | 183.6364% | 2,502 |
| Earnings coverage of net charge-offs (x) | 14.4545% | 1,652 |
| Efficiency ratio | 64.9316% | 5,733 |
| Assets per employee ($millions) | 3.6554% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,677 |
| Loan loss allowance to noncurrent loans | 177.3585% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 6,746 |
| Noncurrent loans to loans | 0.6137% | 6,027 |
| Net loans and leases to total assets | 46.7377% | 7,142 |
| Net loans and leases to deposits | 66.5853% | 6,341 |
| Net loans and leases to core deposits | 85.9577% | 5,910 |
| Total domestic deposits to total assets | 70.1923% | 7,453 |
| Equity capital to assets | 13.1494% | 1,639 |
| Core capital (leverage) ratio | 12.9375% | 1,454 |
| Tier 1 risk-based capital ratio | 15.4177% | 2,853 |
| Total risk-based capital ratio | 16.0232% | 3,048 |
| Memoranda: | ||
| Average total assets | $109,861,670 | 4,888 |
| Average earning assets | $101,965,330 | 4,844 |
| Average equity | $13,920,330 | 4,321 |
| Average total loans | $50,603,000 | 5,743 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 4,329 |
| Cost of funding earning assets | 1.8629% | 4,815 |
| Net interest margin | 3.7416% | 3,699 |
| Noninterest income to average assets | 0.5456% | 3,967 |
| Noninterest expense to average assets | 2.5973% | 5,459 |
| Loan and lease loss provision to assets | 0.0655% | 6,128 |
| Net operating income to assets | 1.2451% | 1,521 |
| Return on assets (ROA) | 1.2586% | 1,582 |
| Pretax return on assets | 1.3605% | 2,083 |
| Return on Equity (ROE) | 10.1240% | 2,275 |
| Retained earnings to average equity (ytd only) | 10.1240% | 1,161 |
| Net charge-offs to loans | -0.0160% | 7,383 |
| Credit loss provision to net charge-offs | -900.0000% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7913% | 5,546 |
| Assets per employee ($millions) | 3.7158% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 5,452 |
| Loan loss allowance to noncurrent loans | 281.6754% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 7,036 |
| Noncurrent loans to loans | 0.3914% | 6,444 |
| Net loans and leases to total assets | 43.2935% | 7,390 |
| Net loans and leases to deposits | 61.0783% | 6,805 |
| Net loans and leases to core deposits | 77.7175% | 6,555 |
| Total domestic deposits to total assets | 70.8820% | 7,340 |
| Equity capital to assets | 12.3850% | 2,039 |
| Core capital (leverage) ratio | 12.6938% | 1,607 |
| Tier 1 risk-based capital ratio | 15.3684% | 2,907 |
| Total risk-based capital ratio | 15.9568% | 3,134 |
| Memoranda: | ||
| Average total assets | $109,961,000 | 4,910 |
| Average earning assets | $101,775,500 | 4,868 |
| Average equity | $13,670,500 | 4,408 |
| Average total loans | $49,995,500 | 5,793 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2896% | 4,022 |
| Cost of funding earning assets | 2.3762% | 4,828 |
| Net interest margin | 3.9134% | 3,503 |
| Noninterest income to average assets | 0.5992% | 3,847 |
| Noninterest expense to average assets | 2.5880% | 5,693 |
| Loan and lease loss provision to assets | 0.1198% | 5,832 |
| Net operating income to assets | 1.6619% | 726 |
| Return on assets (ROA) | 0.8230% | 3,179 |
| Pretax return on assets | 0.6707% | 4,481 |
| Return on Equity (ROE) | 6.6289% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.6361% | 2,887 |
| Net charge-offs to loans | 0.3026% | 3,378 |
| Credit loss provision to net charge-offs | 83.7662% | 5,813 |
| Earnings coverage of net charge-offs (x) | 11.3896% | 2,376 |
| Efficiency ratio | 61.3656% | 6,088 |
| Assets per employee ($millions) | 3.6149% | 4,380 |
| Cash dividends to net income (ytd only)* | 45.1467% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 5,919 |
| Loan loss allowance to noncurrent loans | 2,354.5455% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 7,517 |
| Noncurrent loans to loans | 0.0430% | 7,333 |
| Net loans and leases to total assets | 46.7265% | 7,269 |
| Net loans and leases to deposits | 66.5869% | 6,602 |
| Net loans and leases to core deposits | 83.8876% | 6,300 |
| Total domestic deposits to total assets | 70.1737% | 7,255 |
| Equity capital to assets | 12.4806% | 2,025 |
| Core capital (leverage) ratio | 12.8497% | 1,594 |
| Tier 1 risk-based capital ratio | 15.5103% | 2,844 |
| Total risk-based capital ratio | 16.0951% | 3,040 |
| Memoranda: | ||
| Average total assets | $107,649,800 | 4,840 |
| Average earning assets | $99,529,200 | 4,814 |
| Average equity | $13,365,800 | 4,481 |
| Average total loans | $50,895,000 | 5,666 |