Home > FIRST NATIONAL BANK OF KENTUCKY > Performance and Condition Ratios
FIRST NATIONAL BANK OF KENTUCKY, 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 | 5.0532% | 1,966 |
| Cost of funding earning assets | 1.1813% | 2,852 |
| Net interest margin | 3.8719% | 1,438 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.1463% | 888 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 0.7249% | 3,118 |
| Return on assets (ROA) | 0.7254% | 3,098 |
| Pretax return on assets | 0.7254% | 3,384 |
| Return on Equity (ROE) | 8.9400% | 2,771 |
| Retained earnings to average equity (ytd only) | 3.4204% | 3,157 |
| Net charge-offs to loans | 0.2439% | 440 |
| Credit loss provision to net charge-offs | 163.8021% | 1,387 |
| Earnings coverage of net charge-offs (x) | 5.4193% | 2,528 |
| Efficiency ratio | 75.1760% | 1,334 |
| Assets per employee ($millions) | 5.0258% | 3,614 |
| Cash dividends to net income (ytd only)* | 61.7343% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,515 |
| Loan loss allowance to noncurrent loans | 591.3613% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 2,325 |
| Noncurrent loans to loans | 0.2316% | 2,386 |
| Net loans and leases to total assets | 77.0800% | 964 |
| Net loans and leases to deposits | 87.7363% | 1,460 |
| Net loans and leases to core deposits | 95.7415% | 1,665 |
| Total domestic deposits to total assets | 87.8600% | 1,399 |
| Equity capital to assets | 8.4436% | 3,091 |
| Core capital (leverage) ratio | 8.9620% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1340% | 1,825 |
| Memoranda: | ||
| Average total assets | $200,300,400 | 2,989 |
| Average earning assets | $189,365,000 | 2,952 |
| Average equity | $16,255,200 | 3,161 |
| Average total loans | $157,464,000 | 2,617 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 2,032 |
| Cost of funding earning assets | 1.0774% | 2,806 |
| Net interest margin | 3.8356% | 1,526 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 3.2893% | 734 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 0.5654% | 3,635 |
| Return on assets (ROA) | 0.5661% | 3,617 |
| Pretax return on assets | 0.5661% | 3,793 |
| Return on Equity (ROE) | 7.0500% | 3,415 |
| Retained earnings to average equity (ytd only) | 0.9414% | 3,963 |
| Net charge-offs to loans | 0.2074% | 426 |
| Credit loss provision to net charge-offs | 183.4711% | 1,179 |
| Earnings coverage of net charge-offs (x) | 5.2975% | 2,353 |
| Efficiency ratio | 79.1782% | 911 |
| Assets per employee ($millions) | 4.8889% | 3,677 |
| Cash dividends to net income (ytd only)* | 86.6508% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 1,651 |
| Loan loss allowance to noncurrent loans | 280.1517% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 1,525 |
| Noncurrent loans to loans | 0.4817% | 1,619 |
| Net loans and leases to total assets | 77.0600% | 985 |
| Net loans and leases to deposits | 87.3718% | 1,437 |
| Net loans and leases to core deposits | 96.5039% | 1,530 |
| Total domestic deposits to total assets | 88.2000% | 1,510 |
| Equity capital to assets | 7.8341% | 3,159 |
| Core capital (leverage) ratio | 8.8775% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4952% | 2,079 |
| Memoranda: | ||
| Average total assets | $197,605,000 | 3,015 |
| Average earning assets | $186,739,000 | 2,979 |
| Average equity | $15,863,250 | 3,184 |
| Average total loans | $155,588,500 | 2,634 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 1,976 |
| Cost of funding earning assets | 0.9612% | 2,731 |
| Net interest margin | 3.8471% | 1,529 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 3.3299% | 669 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 0.4757% | 3,858 |
| Return on assets (ROA) | 0.4767% | 3,863 |
| Pretax return on assets | 0.4767% | 4,009 |
| Return on Equity (ROE) | 5.8900% | 3,718 |
| Retained earnings to average equity (ytd only) | -1.3153% | 4,239 |
| Net charge-offs to loans | 0.3156% | 264 |
| Credit loss provision to net charge-offs | 144.8133% | 1,216 |
| Earnings coverage of net charge-offs (x) | 3.3568% | 2,266 |
| Efficiency ratio | 79.9206% | 845 |
| Assets per employee ($millions) | 4.8243% | 3,735 |
| Cash dividends to net income (ytd only)* | 122.3427% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,702 |
| Loan loss allowance to noncurrent loans | 208.1452% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 1,054 |
| Noncurrent loans to loans | 0.6496% | 1,152 |
| Net loans and leases to total assets | 78.2300% | 810 |
| Net loans and leases to deposits | 89.5133% | 1,224 |
| Net loans and leases to core deposits | 99.0901% | 1,287 |
| Total domestic deposits to total assets | 87.4000% | 1,803 |
| Equity capital to assets | 8.2524% | 3,055 |
| Core capital (leverage) ratio | 9.1157% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9987% | 1,898 |
| Memoranda: | ||
| Average total assets | $193,399,667 | 3,044 |
| Average earning assets | $182,476,000 | 3,012 |
| Average equity | $15,661,333 | 3,218 |
| Average total loans | $152,711,333 | 2,649 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 1,882 |
| Cost of funding earning assets | 0.7590% | 2,874 |
| Net interest margin | 3.9282% | 1,411 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 3.3096% | 690 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8494% | 3,025 |
| Return on assets (ROA) | 0.8494% | 2,975 |
| Pretax return on assets | 0.8494% | 3,351 |
| Return on Equity (ROE) | 10.5900% | 2,609 |
| Retained earnings to average equity (ytd only) | 4.8531% | 3,050 |
| Net charge-offs to loans | 0.0027% | 1,931 |
| Credit loss provision to net charge-offs | 4,000.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 253 |
| Efficiency ratio | 78.0079% | 1,003 |
| Assets per employee ($millions) | 4.7768% | 3,814 |
| Cash dividends to net income (ytd only)* | 54.1872% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,820 |
| Loan loss allowance to noncurrent loans | 571.8663% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 2,231 |
| Noncurrent loans to loans | 0.2359% | 2,323 |
| Net loans and leases to total assets | 76.6500% | 911 |
| Net loans and leases to deposits | 87.3733% | 1,263 |
| Net loans and leases to core deposits | 96.2354% | 1,272 |
| Total domestic deposits to total assets | 87.7200% | 2,019 |
| Equity capital to assets | 7.9735% | 3,260 |
| Core capital (leverage) ratio | 9.0931% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7916% | 2,050 |
| Memoranda: | ||
| Average total assets | $191,200,500 | 3,095 |
| Average earning assets | $180,233,000 | 3,063 |
| Average equity | $15,330,500 | 3,277 |
| Average total loans | $150,633,000 | 2,695 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 1,067 |
| Cost of funding earning assets | 0.3663% | 2,356 |
| Net interest margin | 3.9258% | 905 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 3.1794% | 744 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.9018% | 2,955 |
| Return on assets (ROA) | 0.9024% | 2,886 |
| Pretax return on assets | 0.9024% | 3,345 |
| Return on Equity (ROE) | 10.8400% | 2,532 |
| Retained earnings to average equity (ytd only) | 4.3782% | 3,275 |
| Net charge-offs to loans | 0.0044% | 2,290 |
| Credit loss provision to net charge-offs | 5,883.3333% | 120 |
| Earnings coverage of net charge-offs (x) | 326.8333% | 463 |
| Efficiency ratio | 74.2988% | 1,189 |
| Assets per employee ($millions) | 4.5500% | 4,002 |
| Cash dividends to net income (ytd only)* | 59.6022% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 1,682 |
| Loan loss allowance to noncurrent loans | 891.1504% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 2,681 |
| Noncurrent loans to loans | 0.1516% | 2,739 |
| Net loans and leases to total assets | 78.8500% | 712 |
| Net loans and leases to deposits | 90.2061% | 1,042 |
| Net loans and leases to core deposits | 98.9825% | 1,054 |
| Total domestic deposits to total assets | 87.4100% | 2,264 |
| Equity capital to assets | 8.0648% | 3,025 |
| Core capital (leverage) ratio | 9.0158% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7902% | 2,055 |
| Memoranda: | ||
| Average total assets | $178,304,000 | 3,210 |
| Average earning assets | $168,171,200 | 3,176 |
| Average equity | $14,846,200 | 3,379 |
| Average total loans | $137,130,600 | 2,762 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 900 |
| Cost of funding earning assets | 0.3262% | 1,899 |
| Net interest margin | 3.8686% | 852 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 3.0979% | 789 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.8912% | 2,901 |
| Return on assets (ROA) | 0.8919% | 2,879 |
| Pretax return on assets | 0.8919% | 3,342 |
| Return on Equity (ROE) | 10.6200% | 2,535 |
| Retained earnings to average equity (ytd only) | 3.5052% | 3,617 |
| Net charge-offs to loans | 0.0060% | 1,945 |
| Credit loss provision to net charge-offs | 5,216.6667% | 108 |
| Earnings coverage of net charge-offs (x) | 248.5000% | 538 |
| Efficiency ratio | 73.3083% | 1,348 |
| Assets per employee ($millions) | 4.6258% | 3,959 |
| Cash dividends to net income (ytd only)* | 67.0059% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,807 |
| Loan loss allowance to noncurrent loans | 982.0896% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,879 |
| Noncurrent loans to loans | 0.1374% | 2,945 |
| Net loans and leases to total assets | 78.0200% | 705 |
| Net loans and leases to deposits | 87.2378% | 1,085 |
| Net loans and leases to core deposits | 94.4176% | 1,068 |
| Total domestic deposits to total assets | 89.4300% | 1,906 |
| Equity capital to assets | 7.9522% | 2,925 |
| Core capital (leverage) ratio | 9.1286% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8532% | 2,112 |
| Memoranda: | ||
| Average total assets | $176,242,000 | 3,249 |
| Average earning assets | $166,362,000 | 3,211 |
| Average equity | $14,796,500 | 3,425 |
| Average total loans | $134,137,250 | 2,790 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 769 |
| Cost of funding earning assets | 0.3081% | 1,650 |
| Net interest margin | 3.7885% | 772 |
| Noninterest income to average assets | 0.5805% | 1,825 |
| Noninterest expense to average assets | 3.0615% | 774 |
| Loan and lease loss provision to assets | 0.2539% | 279 |
| Net operating income to assets | 0.8413% | 2,813 |
| Return on assets (ROA) | 0.8424% | 2,782 |
| Pretax return on assets | 0.8424% | 3,228 |
| Return on Equity (ROE) | 9.8489% | 2,384 |
| Retained earnings to average equity (ytd only) | 2.0237% | 3,745 |
| Net charge-offs to loans | 0.0108% | 1,581 |
| Credit loss provision to net charge-offs | 3,142.8571% | 166 |
| Earnings coverage of net charge-offs (x) | 135.5714% | 692 |
| Efficiency ratio | 73.6535% | 1,554 |
| Assets per employee ($millions) | 4.3406% | 4,183 |
| Cash dividends to net income (ytd only)* | 79.4521% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,955 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,778 |
| Noncurrent loans to loans | 0.0287% | 3,741 |
| Net loans and leases to total assets | 77.1730% | 623 |
| Net loans and leases to deposits | 86.3470% | 947 |
| Net loans and leases to core deposits | 93.5221% | 939 |
| Total domestic deposits to total assets | 89.3754% | 2,010 |
| Equity capital to assets | 8.2977% | 2,907 |
| Core capital (leverage) ratio | 9.1694% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1575% | 1,994 |
| Memoranda: | ||
| Average total assets | $173,312,667 | 3,305 |
| Average earning assets | $163,598,667 | 3,283 |
| Average equity | $14,824,000 | 3,512 |
| Average total loans | $130,073,333 | 2,840 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 761 |
| Cost of funding earning assets | 0.3302% | 1,379 |
| Net interest margin | 3.6765% | 781 |
| Noninterest income to average assets | 0.5778% | 1,790 |
| Noninterest expense to average assets | 2.9780% | 847 |
| Loan and lease loss provision to assets | 0.1825% | 417 |
| Net operating income to assets | 0.8819% | 2,350 |
| Return on assets (ROA) | 0.8819% | 2,351 |
| Pretax return on assets | 0.8819% | 2,847 |
| Return on Equity (ROE) | 10.1532% | 1,905 |
| Retained earnings to average equity (ytd only) | 8.2680% | 1,498 |
| Net charge-offs to loans | 0.0382% | 902 |
| Credit loss provision to net charge-offs | 650.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 37.9167% | 1,027 |
| Efficiency ratio | 73.6690% | 1,778 |
| Assets per employee ($millions) | 4.3337% | 4,235 |
| Cash dividends to net income (ytd only)* | 18.5676% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 2,139 |
| Loan loss allowance to noncurrent loans | 1,220.4225% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,258 |
| Noncurrent loans to loans | 0.1101% | 3,284 |
| Net loans and leases to total assets | 73.3915% | 709 |
| Net loans and leases to deposits | 82.2889% | 994 |
| Net loans and leases to core deposits | 89.3388% | 948 |
| Total domestic deposits to total assets | 89.1876% | 1,983 |
| Equity capital to assets | 8.3763% | 3,263 |
| Core capital (leverage) ratio | 9.0841% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6906% | 1,922 |
| Memoranda: | ||
| Average total assets | $170,986,500 | 3,336 |
| Average earning assets | $161,132,500 | 3,315 |
| Average equity | $14,852,500 | 3,574 |
| Average total loans | $125,499,500 | 2,899 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 847 |
| Cost of funding earning assets | 0.4239% | 1,365 |
| Net interest margin | 3.8786% | 874 |
| Noninterest income to average assets | 0.5682% | 2,287 |
| Noninterest expense to average assets | 3.2902% | 641 |
| Loan and lease loss provision to assets | 0.2205% | 460 |
| Net operating income to assets | 0.7062% | 3,611 |
| Return on assets (ROA) | 0.7069% | 3,663 |
| Pretax return on assets | 0.7069% | 3,916 |
| Return on Equity (ROE) | 7.6206% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.2040% | 3,549 |
| Net charge-offs to loans | 0.0104% | 2,171 |
| Credit loss provision to net charge-offs | 2,875.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 120.8333% | 779 |
| Efficiency ratio | 78.0236% | 942 |
| Assets per employee ($millions) | 4.4375% | 4,161 |
| Cash dividends to net income (ytd only)* | 57.9566% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 2,068 |
| Loan loss allowance to noncurrent loans | 370.4444% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 2,213 |
| Noncurrent loans to loans | 0.3687% | 2,261 |
| Net loans and leases to total assets | 71.3870% | 894 |
| Net loans and leases to deposits | 80.8192% | 1,149 |
| Net loans and leases to core deposits | 87.8639% | 1,083 |
| Total domestic deposits to total assets | 88.3292% | 1,860 |
| Equity capital to assets | 9.0051% | 3,612 |
| Core capital (leverage) ratio | 9.2698% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1282% | 1,803 |
| Memoranda: | ||
| Average total assets | $156,464,600 | 3,428 |
| Average earning assets | $147,190,400 | 3,403 |
| Average equity | $14,513,200 | 3,689 |
| Average total loans | $115,458,000 | 2,990 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 1,003 |
| Cost of funding earning assets | 0.4465% | 1,379 |
| Net interest margin | 3.8240% | 1,071 |
| Noninterest income to average assets | 0.5640% | 2,358 |
| Noninterest expense to average assets | 3.1824% | 734 |
| Loan and lease loss provision to assets | 0.2868% | 287 |
| Net operating income to assets | 0.6900% | 3,791 |
| Return on assets (ROA) | 0.6909% | 3,855 |
| Pretax return on assets | 0.6909% | 4,079 |
| Return on Equity (ROE) | 7.3890% | 3,560 |
| Retained earnings to average equity (ytd only) | 4.4613% | 3,423 |
| Net charge-offs to loans | 0.0141% | 1,806 |
| Credit loss provision to net charge-offs | 2,750.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 903 |
| Efficiency ratio | 76.5148% | 1,002 |
| Assets per employee ($millions) | 4.0746% | 4,401 |
| Cash dividends to net income (ytd only)* | 39.6226% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,358 |
| Loan loss allowance to noncurrent loans | 152.3985% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 1,099 |
| Noncurrent loans to loans | 0.8710% | 1,318 |
| Net loans and leases to total assets | 77.2747% | 449 |
| Net loans and leases to deposits | 88.3305% | 699 |
| Net loans and leases to core deposits | 96.2518% | 737 |
| Total domestic deposits to total assets | 87.4836% | 2,115 |
| Equity capital to assets | 9.1586% | 3,692 |
| Core capital (leverage) ratio | 9.1907% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8700% | 2,018 |
| Memoranda: | ||
| Average total assets | $153,424,250 | 3,490 |
| Average earning assets | $144,243,000 | 3,465 |
| Average equity | $14,345,250 | 3,747 |
| Average total loans | $113,811,500 | 3,053 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 1,204 |
| Cost of funding earning assets | 0.4699% | 1,383 |
| Net interest margin | 3.7211% | 1,296 |
| Noninterest income to average assets | 0.5620% | 2,366 |
| Noninterest expense to average assets | 3.1175% | 818 |
| Loan and lease loss provision to assets | 0.2639% | 363 |
| Net operating income to assets | 0.6808% | 3,805 |
| Return on assets (ROA) | 0.6808% | 3,872 |
| Pretax return on assets | 0.6808% | 4,102 |
| Return on Equity (ROE) | 7.2291% | 3,597 |
| Retained earnings to average equity (ytd only) | 3.0682% | 3,817 |
| Net charge-offs to loans | 0.0218% | 1,510 |
| Credit loss provision to net charge-offs | 1,666.6667% | 329 |
| Earnings coverage of net charge-offs (x) | 59.6667% | 973 |
| Efficiency ratio | 76.7457% | 1,011 |
| Assets per employee ($millions) | 3.8982% | 4,499 |
| Cash dividends to net income (ytd only)* | 57.5581% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,437 |
| Loan loss allowance to noncurrent loans | 1,449.5238% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,767 |
| Noncurrent loans to loans | 0.0897% | 3,730 |
| Net loans and leases to total assets | 74.0945% | 740 |
| Net loans and leases to deposits | 85.1581% | 972 |
| Net loans and leases to core deposits | 92.7924% | 960 |
| Total domestic deposits to total assets | 87.0081% | 2,313 |
| Equity capital to assets | 9.1722% | 3,630 |
| Core capital (leverage) ratio | 9.0493% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1112% | 1,936 |
| Memoranda: | ||
| Average total assets | $151,595,333 | 3,516 |
| Average earning assets | $142,593,667 | 3,489 |
| Average equity | $14,275,667 | 3,765 |
| Average total loans | $110,265,333 | 3,124 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 1,246 |
| Cost of funding earning assets | 0.4947% | 1,420 |
| Net interest margin | 3.6789% | 1,383 |
| Noninterest income to average assets | 0.5568% | 2,383 |
| Noninterest expense to average assets | 3.0570% | 902 |
| Loan and lease loss provision to assets | 0.1338% | 1,013 |
| Net operating income to assets | 0.8298% | 3,328 |
| Return on assets (ROA) | 0.8298% | 3,407 |
| Pretax return on assets | 0.8298% | 3,759 |
| Return on Equity (ROE) | 8.6941% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.7125% | 2,346 |
| Net charge-offs to loans | 0.0037% | 1,792 |
| Credit loss provision to net charge-offs | 5,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 256 |
| Efficiency ratio | 76.0320% | 1,135 |
| Assets per employee ($millions) | 4.5551% | 4,054 |
| Cash dividends to net income (ytd only)* | 11.2903% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,489 |
| Loan loss allowance to noncurrent loans | 1,192.2414% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 3,734 |
| Noncurrent loans to loans | 0.1081% | 3,768 |
| Net loans and leases to total assets | 68.4251% | 1,475 |
| Net loans and leases to deposits | 78.8429% | 1,630 |
| Net loans and leases to core deposits | 86.6478% | 1,481 |
| Total domestic deposits to total assets | 86.7866% | 2,397 |
| Equity capital to assets | 9.2921% | 3,399 |
| Core capital (leverage) ratio | 9.6291% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1682% | 1,519 |
| Memoranda: | ||
| Average total assets | $149,429,000 | 3,539 |
| Average earning assets | $140,695,000 | 3,507 |
| Average equity | $14,262,500 | 3,773 |
| Average total loans | $106,870,000 | 3,172 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 1,575 |
| Cost of funding earning assets | 0.6906% | 1,767 |
| Net interest margin | 3.7160% | 1,740 |
| Noninterest income to average assets | 0.6175% | 2,149 |
| Noninterest expense to average assets | 3.2682% | 943 |
| Loan and lease loss provision to assets | 0.1125% | 2,941 |
| Net operating income to assets | 0.7533% | 3,255 |
| Return on assets (ROA) | 0.7540% | 3,380 |
| Pretax return on assets | 0.7540% | 3,754 |
| Return on Equity (ROE) | 7.0901% | 3,177 |
| Retained earnings to average equity (ytd only) | -1.0512% | 4,642 |
| Net charge-offs to loans | 0.0052% | 3,161 |
| Credit loss provision to net charge-offs | 3,000.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 230.8000% | 427 |
| Efficiency ratio | 79.0563% | 956 |
| Assets per employee ($millions) | 4.2349% | 4,193 |
| Cash dividends to net income (ytd only)* | 114.8259% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,653 |
| Loan loss allowance to noncurrent loans | 813.4146% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,721 |
| Noncurrent loans to loans | 0.1542% | 3,666 |
| Net loans and leases to total assets | 72.9597% | 1,164 |
| Net loans and leases to deposits | 85.1622% | 1,327 |
| Net loans and leases to core deposits | 94.1528% | 1,241 |
| Total domestic deposits to total assets | 85.6714% | 2,502 |
| Equity capital to assets | 9.8163% | 3,301 |
| Core capital (leverage) ratio | 9.7859% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0852% | 1,498 |
| Memoranda: | ||
| Average total assets | $133,283,000 | 3,586 |
| Average earning assets | $126,129,400 | 3,554 |
| Average equity | $14,174,600 | 3,735 |
| Average total loans | $96,978,600 | 3,277 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 1,773 |
| Cost of funding earning assets | 0.7300% | 1,856 |
| Net interest margin | 3.6983% | 1,947 |
| Noninterest income to average assets | 0.6227% | 2,091 |
| Noninterest expense to average assets | 3.1554% | 1,148 |
| Loan and lease loss provision to assets | 0.0972% | 3,106 |
| Net operating income to assets | 0.8718% | 2,812 |
| Return on assets (ROA) | 0.8718% | 2,942 |
| Pretax return on assets | 0.8718% | 3,461 |
| Return on Equity (ROE) | 8.0272% | 2,801 |
| Retained earnings to average equity (ytd only) | -1.0433% | 4,618 |
| Net charge-offs to loans | 0.0042% | 3,006 |
| Credit loss provision to net charge-offs | 3,166.6667% | 335 |
| Earnings coverage of net charge-offs (x) | 316.3333% | 340 |
| Efficiency ratio | 76.5099% | 1,159 |
| Assets per employee ($millions) | 4.1600% | 4,183 |
| Cash dividends to net income (ytd only)* | 112.9977% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,449 |
| Loan loss allowance to noncurrent loans | 1,068.3333% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 4,008 |
| Noncurrent loans to loans | 0.1160% | 3,912 |
| Net loans and leases to total assets | 72.2340% | 1,630 |
| Net loans and leases to deposits | 85.4446% | 1,764 |
| Net loans and leases to core deposits | 94.7913% | 1,565 |
| Total domestic deposits to total assets | 84.5389% | 2,613 |
| Equity capital to assets | 10.0291% | 3,205 |
| Core capital (leverage) ratio | 10.0753% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6285% | 1,342 |
| Memoranda: | ||
| Average total assets | $130,607,500 | 3,607 |
| Average earning assets | $123,657,750 | 3,569 |
| Average equity | $14,184,750 | 3,736 |
| Average total loans | $94,627,000 | 3,334 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 1,984 |
| Cost of funding earning assets | 0.7755% | 1,960 |
| Net interest margin | 3.7028% | 2,147 |
| Noninterest income to average assets | 0.6331% | 2,003 |
| Noninterest expense to average assets | 3.1749% | 1,203 |
| Loan and lease loss provision to assets | 0.0709% | 3,411 |
| Net operating income to assets | 0.8914% | 2,719 |
| Return on assets (ROA) | 0.8929% | 2,834 |
| Pretax return on assets | 0.8929% | 3,334 |
| Return on Equity (ROE) | 7.9945% | 2,752 |
| Retained earnings to average equity (ytd only) | -2.7353% | 4,637 |
| Net charge-offs to loans | -0.0065% | 4,084 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7415% | 1,188 |
| Assets per employee ($millions) | 4.0328% | 4,281 |
| Cash dividends to net income (ytd only)* | 134.2152% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,260 |
| Loan loss allowance to noncurrent loans | 741.3174% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 3,924 |
| Noncurrent loans to loans | 0.1685% | 3,777 |
| Net loans and leases to total assets | 71.3939% | 1,820 |
| Net loans and leases to deposits | 85.4138% | 1,834 |
| Net loans and leases to core deposits | 95.1988% | 1,642 |
| Total domestic deposits to total assets | 83.5859% | 2,892 |
| Equity capital to assets | 10.3082% | 2,921 |
| Core capital (leverage) ratio | 10.5300% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2618% | 1,187 |
| Memoranda: | ||
| Average total assets | $126,997,000 | 3,634 |
| Average earning assets | $120,180,000 | 3,598 |
| Average equity | $14,184,667 | 3,739 |
| Average total loans | $91,686,333 | 3,381 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,842 |
| Cost of funding earning assets | 0.8450% | 2,137 |
| Net interest margin | 3.8078% | 1,939 |
| Noninterest income to average assets | 0.6954% | 1,667 |
| Noninterest expense to average assets | 3.1393% | 1,546 |
| Loan and lease loss provision to assets | 0.1476% | 1,921 |
| Net operating income to assets | 1.0005% | 2,172 |
| Return on assets (ROA) | 1.0005% | 2,279 |
| Pretax return on assets | 1.0005% | 2,839 |
| Return on Equity (ROE) | 8.5855% | 2,284 |
| Retained earnings to average equity (ytd only) | 1.3512% | 3,650 |
| Net charge-offs to loans | 0.0045% | 2,413 |
| Credit loss provision to net charge-offs | 4,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 350.0000% | 200 |
| Efficiency ratio | 73.2211% | 1,913 |
| Assets per employee ($millions) | 3.7106% | 4,264 |
| Cash dividends to net income (ytd only)* | 84.2623% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,773 |
| Loan loss allowance to noncurrent loans | 493.6000% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 3,662 |
| Noncurrent loans to loans | 0.2795% | 3,489 |
| Net loans and leases to total assets | 72.0398% | 1,911 |
| Net loans and leases to deposits | 88.4366% | 1,704 |
| Net loans and leases to core deposits | 99.4241% | 1,521 |
| Total domestic deposits to total assets | 81.4592% | 3,558 |
| Equity capital to assets | 11.7085% | 2,281 |
| Core capital (leverage) ratio | 11.5300% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9662% | 989 |
| Memoranda: | ||
| Average total assets | $121,938,500 | 3,679 |
| Average earning assets | $115,026,500 | 3,633 |
| Average equity | $14,210,000 | 3,749 |
| Average total loans | $87,965,000 | 3,445 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 2,447 |
| Cost of funding earning assets | 0.8392% | 2,494 |
| Net interest margin | 3.8184% | 2,446 |
| Noninterest income to average assets | 0.6858% | 1,862 |
| Noninterest expense to average assets | 3.1722% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1337% | 2,319 |
| Return on assets (ROA) | 1.1345% | 2,412 |
| Pretax return on assets | 1.1238% | 3,098 |
| Return on Equity (ROE) | 9.9341% | 2,323 |
| Retained earnings to average equity (ytd only) | 1.6736% | 4,134 |
| Net charge-offs to loans | 0.2192% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 7.1675% | 2,898 |
| Efficiency ratio | 73.8541% | 1,621 |
| Assets per employee ($millions) | 3.9170% | 4,012 |
| Cash dividends to net income (ytd only)* | 83.1526% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 1,607 |
| Loan loss allowance to noncurrent loans | 653.2967% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 3,881 |
| Noncurrent loans to loans | 0.2104% | 3,708 |
| Net loans and leases to total assets | 70.2433% | 2,359 |
| Net loans and leases to deposits | 87.3978% | 1,928 |
| Net loans and leases to core deposits | 97.9659% | 1,727 |
| Total domestic deposits to total assets | 80.3719% | 3,902 |
| Equity capital to assets | 11.5978% | 2,432 |
| Core capital (leverage) ratio | 11.4887% | 2,119 |
| Tier 1 risk-based capital ratio | 18.3805% | 1,672 |
| Total risk-based capital ratio | 19.6342% | 1,637 |
| Memoranda: | ||
| Average total assets | $121,903,400 | 3,667 |
| Average earning assets | $115,231,000 | 3,628 |
| Average equity | $13,921,800 | 3,764 |
| Average total loans | $87,132,600 | 3,464 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 2,526 |
| Cost of funding earning assets | 0.8325% | 2,556 |
| Net interest margin | 3.8274% | 2,510 |
| Noninterest income to average assets | 0.6753% | 1,889 |
| Noninterest expense to average assets | 3.1895% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1222% | 2,487 |
| Return on assets (ROA) | 1.1233% | 2,573 |
| Pretax return on assets | 1.1091% | 3,269 |
| Return on Equity (ROE) | 9.8738% | 2,488 |
| Retained earnings to average equity (ytd only) | 3.4578% | 3,680 |
| Net charge-offs to loans | 0.2932% | 599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.2813% | 2,931 |
| Efficiency ratio | 74.2182% | 1,533 |
| Assets per employee ($millions) | 3.9077% | 4,016 |
| Cash dividends to net income (ytd only)* | 64.9803% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,643 |
| Loan loss allowance to noncurrent loans | 660.0000% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,003 |
| Noncurrent loans to loans | 0.2095% | 3,789 |
| Net loans and leases to total assets | 69.9335% | 2,485 |
| Net loans and leases to deposits | 87.9782% | 1,936 |
| Net loans and leases to core deposits | 99.4810% | 1,700 |
| Total domestic deposits to total assets | 79.4895% | 4,090 |
| Equity capital to assets | 11.7180% | 2,490 |
| Core capital (leverage) ratio | 11.8272% | 1,981 |
| Tier 1 risk-based capital ratio | 18.7705% | 1,618 |
| Total risk-based capital ratio | 20.0248% | 1,585 |
| Memoranda: | ||
| Average total assets | $122,022,250 | 3,699 |
| Average earning assets | $115,479,000 | 3,660 |
| Average equity | $13,881,500 | 3,800 |
| Average total loans | $87,294,750 | 3,505 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 2,461 |
| Cost of funding earning assets | 0.8244% | 2,526 |
| Net interest margin | 3.8419% | 2,429 |
| Noninterest income to average assets | 0.6540% | 1,901 |
| Noninterest expense to average assets | 3.1590% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1511% | 2,325 |
| Return on assets (ROA) | 1.1511% | 2,398 |
| Pretax return on assets | 1.1299% | 3,147 |
| Return on Equity (ROE) | 10.2199% | 2,283 |
| Retained earnings to average equity (ytd only) | 1.5969% | 4,251 |
| Net charge-offs to loans | 0.4376% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.5990% | 2,825 |
| Efficiency ratio | 73.6561% | 1,680 |
| Assets per employee ($millions) | 3.9143% | 3,980 |
| Cash dividends to net income (ytd only)* | 84.3750% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,788 |
| Loan loss allowance to noncurrent loans | 180.9741% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,385 |
| Noncurrent loans to loans | 0.7501% | 2,113 |
| Net loans and leases to total assets | 71.2034% | 2,343 |
| Net loans and leases to deposits | 90.0414% | 1,734 |
| Net loans and leases to core deposits | 101.8627% | 1,567 |
| Total domestic deposits to total assets | 79.0785% | 4,201 |
| Equity capital to assets | 11.4822% | 2,615 |
| Core capital (leverage) ratio | 11.2953% | 2,337 |
| Tier 1 risk-based capital ratio | 18.1810% | 1,755 |
| Total risk-based capital ratio | 19.4347% | 1,711 |
| Memoranda: | ||
| Average total assets | $122,317,000 | 3,718 |
| Average earning assets | $115,725,000 | 3,679 |
| Average equity | $13,777,000 | 3,820 |
| Average total loans | $87,758,330 | 3,510 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 2,770 |
| Cost of funding earning assets | 0.7876% | 2,609 |
| Net interest margin | 3.7419% | 2,738 |
| Noninterest income to average assets | 0.6417% | 1,853 |
| Noninterest expense to average assets | 3.1953% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9902% | 2,884 |
| Return on assets (ROA) | 0.9902% | 2,917 |
| Pretax return on assets | 0.9902% | 3,472 |
| Return on Equity (ROE) | 8.8766% | 2,862 |
| Retained earnings to average equity (ytd only) | 2.6863% | 3,859 |
| Net charge-offs to loans | -0.0820% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3424% | 1,460 |
| Assets per employee ($millions) | 4.0171% | 3,896 |
| Cash dividends to net income (ytd only)* | 69.7368% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,105 |
| Loan loss allowance to noncurrent loans | 85.8195% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 995 |
| Noncurrent loans to loans | 1.8394% | 834 |
| Net loans and leases to total assets | 69.9933% | 2,483 |
| Net loans and leases to deposits | 89.8420% | 1,654 |
| Net loans and leases to core deposits | 102.6970% | 1,401 |
| Total domestic deposits to total assets | 77.9072% | 4,531 |
| Equity capital to assets | 11.0914% | 2,756 |
| Core capital (leverage) ratio | 11.4058% | 2,207 |
| Tier 1 risk-based capital ratio | 17.9908% | 1,792 |
| Total risk-based capital ratio | 21.0505% | 1,351 |
| Memoranda: | ||
| Average total assets | $122,803,500 | 3,755 |
| Average earning assets | $116,305,000 | 3,708 |
| Average equity | $13,699,000 | 3,843 |
| Average total loans | $87,842,500 | 3,541 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 2,605 |
| Cost of funding earning assets | 0.5720% | 2,907 |
| Net interest margin | 3.8792% | 2,398 |
| Noninterest income to average assets | 0.7066% | 1,831 |
| Noninterest expense to average assets | 3.1526% | 1,669 |
| Loan and lease loss provision to assets | 0.1779% | 1,106 |
| Net operating income to assets | 1.0581% | 2,767 |
| Return on assets (ROA) | 1.0590% | 2,750 |
| Pretax return on assets | 1.0442% | 3,459 |
| Return on Equity (ROE) | 9.2049% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.8213% | 2,878 |
| Net charge-offs to loans | 0.0233% | 2,943 |
| Credit loss provision to net charge-offs | 1,078.9474% | 362 |
| Earnings coverage of net charge-offs (x) | 74.0526% | 904 |
| Efficiency ratio | 72.0778% | 1,885 |
| Assets per employee ($millions) | 3.7837% | 4,206 |
| Cash dividends to net income (ytd only)* | 47.6230% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,062 |
| Loan loss allowance to noncurrent loans | 146.4968% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7780% | 1,798 |
| Noncurrent loans to loans | 1.0812% | 1,508 |
| Net loans and leases to total assets | 70.8180% | 2,441 |
| Net loans and leases to deposits | 91.9527% | 1,559 |
| Net loans and leases to core deposits | 105.6194% | 1,296 |
| Total domestic deposits to total assets | 77.0156% | 4,631 |
| Equity capital to assets | 11.2209% | 2,498 |
| Core capital (leverage) ratio | 11.4933% | 2,109 |
| Tier 1 risk-based capital ratio | 18.0462% | 1,745 |
| Total risk-based capital ratio | 19.3019% | 1,702 |
| Memoranda: | ||
| Average total assets | $115,205,400 | 3,868 |
| Average earning assets | $108,915,200 | 3,825 |
| Average equity | $13,253,800 | 3,848 |
| Average total loans | $81,540,000 | 3,637 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,594 |
| Cost of funding earning assets | 0.5248% | 3,030 |
| Net interest margin | 3.8846% | 2,363 |
| Noninterest income to average assets | 0.7151% | 1,816 |
| Noninterest expense to average assets | 3.1710% | 1,596 |
| Loan and lease loss provision to assets | 0.0996% | 2,007 |
| Net operating income to assets | 1.1347% | 2,513 |
| Return on assets (ROA) | 1.1359% | 2,524 |
| Pretax return on assets | 1.1160% | 3,333 |
| Return on Equity (ROE) | 9.8094% | 2,705 |
| Retained earnings to average equity (ytd only) | 5.5171% | 2,943 |
| Net charge-offs to loans | -0.0166% | 4,572 |
| Credit loss provision to net charge-offs | -850.0000% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3069% | 1,834 |
| Assets per employee ($millions) | 3.6248% | 4,403 |
| Cash dividends to net income (ytd only)* | 43.7564% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 1,310 |
| Loan loss allowance to noncurrent loans | 113.0702% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 1,481 |
| Noncurrent loans to loans | 1.3366% | 1,247 |
| Net loans and leases to total assets | 72.4212% | 2,266 |
| Net loans and leases to deposits | 91.2592% | 1,724 |
| Net loans and leases to core deposits | 105.0378% | 1,377 |
| Total domestic deposits to total assets | 79.3577% | 4,242 |
| Equity capital to assets | 11.5160% | 2,252 |
| Core capital (leverage) ratio | 12.0802% | 1,740 |
| Tier 1 risk-based capital ratio | 18.5749% | 1,639 |
| Total risk-based capital ratio | 19.8315% | 1,599 |
| Memoranda: | ||
| Average total assets | $113,737,250 | 3,928 |
| Average earning assets | $107,465,500 | 3,891 |
| Average equity | $13,170,750 | 3,889 |
| Average total loans | $80,143,750 | 3,694 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,633 |
| Cost of funding earning assets | 0.5050% | 2,976 |
| Net interest margin | 3.8326% | 2,441 |
| Noninterest income to average assets | 0.7328% | 1,724 |
| Noninterest expense to average assets | 3.1013% | 1,781 |
| Loan and lease loss provision to assets | 0.0708% | 2,471 |
| Net operating income to assets | 1.2179% | 2,112 |
| Return on assets (ROA) | 1.2179% | 2,108 |
| Pretax return on assets | 1.1878% | 2,981 |
| Return on Equity (ROE) | 10.4971% | 2,333 |
| Retained earnings to average equity (ytd only) | 4.6840% | 3,244 |
| Net charge-offs to loans | -0.0281% | 4,719 |
| Credit loss provision to net charge-offs | -363.6364% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1328% | 2,140 |
| Assets per employee ($millions) | 3.6326% | 4,421 |
| Cash dividends to net income (ytd only)* | 55.3779% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,262 |
| Loan loss allowance to noncurrent loans | 84.5214% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 1,082 |
| Noncurrent loans to loans | 1.8254% | 850 |
| Net loans and leases to total assets | 70.5523% | 2,495 |
| Net loans and leases to deposits | 88.2149% | 2,084 |
| Net loans and leases to core deposits | 101.4545% | 1,607 |
| Total domestic deposits to total assets | 79.9778% | 4,243 |
| Equity capital to assets | 11.6730% | 2,079 |
| Core capital (leverage) ratio | 11.8507% | 1,804 |
| Tier 1 risk-based capital ratio | 18.7232% | 1,619 |
| Total risk-based capital ratio | 19.9790% | 1,579 |
| Memoranda: | ||
| Average total assets | $112,984,670 | 3,970 |
| Average earning assets | $106,923,670 | 3,932 |
| Average equity | $13,108,330 | 3,916 |
| Average total loans | $78,427,000 | 3,740 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,733 |
| Cost of funding earning assets | 0.4955% | 2,833 |
| Net interest margin | 3.7479% | 2,621 |
| Noninterest income to average assets | 0.7528% | 1,613 |
| Noninterest expense to average assets | 3.1598% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1487% | 2,226 |
| Return on assets (ROA) | 1.1487% | 2,237 |
| Pretax return on assets | 1.1487% | 2,969 |
| Return on Equity (ROE) | 9.9312% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.9312% | 1,181 |
| Net charge-offs to loans | -0.0518% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3388% | 1,992 |
| Assets per employee ($millions) | 3.9570% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 1,288 |
| Loan loss allowance to noncurrent loans | 118.2711% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 1,788 |
| Noncurrent loans to loans | 1.3108% | 1,359 |
| Net loans and leases to total assets | 66.6277% | 2,949 |
| Net loans and leases to deposits | 83.1644% | 2,484 |
| Net loans and leases to core deposits | 95.1266% | 2,044 |
| Total domestic deposits to total assets | 80.1157% | 4,395 |
| Equity capital to assets | 11.4994% | 2,134 |
| Core capital (leverage) ratio | 12.0249% | 1,638 |
| Tier 1 risk-based capital ratio | 20.1638% | 1,317 |
| Total risk-based capital ratio | 21.4206% | 1,287 |
| Memoranda: | ||
| Average total assets | $113,172,000 | 4,007 |
| Average earning assets | $107,366,500 | 3,963 |
| Average equity | $13,090,000 | 3,952 |
| Average total loans | $77,293,500 | 3,804 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 2,164 |
| Cost of funding earning assets | 0.4463% | 2,814 |
| Net interest margin | 3.9096% | 2,055 |
| Noninterest income to average assets | 0.7343% | 1,824 |
| Noninterest expense to average assets | 3.3040% | 1,371 |
| Loan and lease loss provision to assets | 0.0940% | 2,327 |
| Net operating income to assets | 1.0872% | 1,897 |
| Return on assets (ROA) | 1.0881% | 1,921 |
| Pretax return on assets | 1.0743% | 3,281 |
| Return on Equity (ROE) | 9.2383% | 2,195 |
| Retained earnings to average equity (ytd only) | 2.7770% | 3,646 |
| Net charge-offs to loans | 0.1186% | 1,859 |
| Credit loss provision to net charge-offs | 114.6067% | 2,286 |
| Earnings coverage of net charge-offs (x) | 14.2360% | 2,343 |
| Efficiency ratio | 73.8924% | 1,910 |
| Assets per employee ($millions) | 3.9854% | 3,988 |
| Cash dividends to net income (ytd only)* | 69.9407% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,267 |
| Loan loss allowance to noncurrent loans | 184.8297% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 2,486 |
| Noncurrent loans to loans | 0.8398% | 2,122 |
| Net loans and leases to total assets | 67.8654% | 2,837 |
| Net loans and leases to deposits | 85.6124% | 2,311 |
| Net loans and leases to core deposits | 98.5247% | 1,824 |
| Total domestic deposits to total assets | 79.2705% | 4,489 |
| Equity capital to assets | 11.6355% | 2,091 |
| Core capital (leverage) ratio | 11.9175% | 1,655 |
| Tier 1 risk-based capital ratio | 19.4525% | 1,422 |
| Total risk-based capital ratio | 20.7080% | 1,396 |
| Memoranda: | ||
| Average total assets | $108,534,400 | 4,089 |
| Average earning assets | $103,745,800 | 4,031 |
| Average equity | $12,783,800 | 4,019 |
| Average total loans | $75,026,000 | 3,847 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,204 |
| Cost of funding earning assets | 0.4249% | 2,929 |
| Net interest margin | 3.8965% | 2,052 |
| Noninterest income to average assets | 0.7336% | 1,856 |
| Noninterest expense to average assets | 3.3119% | 1,318 |
| Loan and lease loss provision to assets | 0.1138% | 1,894 |
| Net operating income to assets | 1.0479% | 2,338 |
| Return on assets (ROA) | 1.0479% | 2,381 |
| Pretax return on assets | 1.0405% | 3,524 |
| Return on Equity (ROE) | 8.8686% | 2,684 |
| Retained earnings to average equity (ytd only) | 1.8638% | 4,688 |
| Net charge-offs to loans | 0.1180% | 1,608 |
| Credit loss provision to net charge-offs | 139.3939% | 1,784 |
| Earnings coverage of net charge-offs (x) | 14.1360% | 2,314 |
| Efficiency ratio | 74.1551% | 1,871 |
| Assets per employee ($millions) | 4.1006% | 3,826 |
| Cash dividends to net income (ytd only)* | 78.9845% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,367 |
| Loan loss allowance to noncurrent loans | 147.3748% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 2,200 |
| Noncurrent loans to loans | 1.0522% | 1,837 |
| Net loans and leases to total assets | 69.2098% | 2,667 |
| Net loans and leases to deposits | 87.8528% | 2,085 |
| Net loans and leases to core deposits | 101.3263% | 1,599 |
| Total domestic deposits to total assets | 78.7792% | 4,578 |
| Equity capital to assets | 11.6793% | 2,208 |
| Core capital (leverage) ratio | 11.8687% | 1,771 |
| Tier 1 risk-based capital ratio | 19.1658% | 1,542 |
| Total risk-based capital ratio | 20.4218% | 1,504 |
| Memoranda: | ||
| Average total assets | $107,770,500 | 4,145 |
| Average earning assets | $103,235,500 | 4,082 |
| Average equity | $12,733,750 | 4,061 |
| Average total loans | $74,551,250 | 3,886 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,109 |
| Cost of funding earning assets | 0.3961% | 3,116 |
| Net interest margin | 3.9079% | 1,901 |
| Noninterest income to average assets | 0.7342% | 1,844 |
| Noninterest expense to average assets | 3.4910% | 1,027 |
| Loan and lease loss provision to assets | 0.0936% | 2,117 |
| Net operating income to assets | 0.9121% | 2,854 |
| Return on assets (ROA) | 0.9121% | 2,904 |
| Pretax return on assets | 0.9008% | 3,932 |
| Return on Equity (ROE) | 7.6887% | 3,204 |
| Retained earnings to average equity (ytd only) | -2.0998% | 5,352 |
| Net charge-offs to loans | 0.1579% | 1,218 |
| Credit loss provision to net charge-offs | 86.2069% | 2,190 |
| Earnings coverage of net charge-offs (x) | 9.1552% | 2,459 |
| Efficiency ratio | 77.8288% | 1,486 |
| Assets per employee ($millions) | 4.1983% | 3,625 |
| Cash dividends to net income (ytd only)* | 127.3101% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,402 |
| Loan loss allowance to noncurrent loans | 149.2366% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 2,314 |
| Noncurrent loans to loans | 1.0378% | 1,895 |
| Net loans and leases to total assets | 68.3099% | 2,763 |
| Net loans and leases to deposits | 86.0054% | 2,223 |
| Net loans and leases to core deposits | 97.9894% | 1,810 |
| Total domestic deposits to total assets | 79.4250% | 4,526 |
| Equity capital to assets | 11.5567% | 2,268 |
| Core capital (leverage) ratio | 12.0218% | 1,621 |
| Tier 1 risk-based capital ratio | 19.2585% | 1,531 |
| Total risk-based capital ratio | 20.5145% | 1,478 |
| Memoranda: | ||
| Average total assets | $106,788,330 | 4,190 |
| Average earning assets | $102,509,670 | 4,123 |
| Average equity | $12,668,000 | 4,083 |
| Average total loans | $73,457,000 | 3,938 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 1,984 |
| Cost of funding earning assets | 0.4060% | 2,936 |
| Net interest margin | 3.8829% | 1,840 |
| Noninterest income to average assets | 0.7689% | 1,671 |
| Noninterest expense to average assets | 2.9734% | 2,234 |
| Loan and lease loss provision to assets | 0.1894% | 887 |
| Net operating income to assets | 1.3371% | 1,146 |
| Return on assets (ROA) | 1.3371% | 1,181 |
| Pretax return on assets | 1.3371% | 2,110 |
| Return on Equity (ROE) | 11.1229% | 1,525 |
| Retained earnings to average equity (ytd only) | 4.2853% | 3,291 |
| Net charge-offs to loans | 0.2102% | 835 |
| Credit loss provision to net charge-offs | 131.5789% | 1,303 |
| Earnings coverage of net charge-offs (x) | 10.6053% | 1,930 |
| Efficiency ratio | 66.0774% | 3,485 |
| Assets per employee ($millions) | 4.1088% | 3,823 |
| Cash dividends to net income (ytd only)* | 61.4731% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,256 |
| Loan loss allowance to noncurrent loans | 281.3679% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 3,455 |
| Noncurrent loans to loans | 0.5855% | 3,052 |
| Net loans and leases to total assets | 66.6735% | 2,865 |
| Net loans and leases to deposits | 80.1084% | 2,739 |
| Net loans and leases to core deposits | 90.9829% | 2,270 |
| Total domestic deposits to total assets | 83.2291% | 3,756 |
| Equity capital to assets | 12.0034% | 1,839 |
| Core capital (leverage) ratio | 12.3736% | 1,408 |
| Tier 1 risk-based capital ratio | 20.5678% | 1,289 |
| Total risk-based capital ratio | 21.8260% | 1,260 |
| Memoranda: | ||
| Average total assets | $105,604,000 | 4,257 |
| Average earning assets | $101,470,500 | 4,180 |
| Average equity | $12,694,500 | 4,107 |
| Average total loans | $72,316,500 | 3,996 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 2,216 |
| Cost of funding earning assets | 0.3873% | 3,133 |
| Net interest margin | 3.8913% | 1,994 |
| Noninterest income to average assets | 0.7882% | 1,793 |
| Noninterest expense to average assets | 3.0136% | 2,313 |
| Loan and lease loss provision to assets | 0.0720% | 2,918 |
| Net operating income to assets | 1.4113% | 992 |
| Return on assets (ROA) | 1.4122% | 1,007 |
| Pretax return on assets | 1.3882% | 1,989 |
| Return on Equity (ROE) | 11.7872% | 1,321 |
| Retained earnings to average equity (ytd only) | 4.7918% | 2,480 |
| Net charge-offs to loans | 0.0648% | 2,770 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 33.7778% | 1,331 |
| Efficiency ratio | 67.3750% | 3,372 |
| Assets per employee ($millions) | 4.1752% | 3,659 |
| Cash dividends to net income (ytd only)* | 59.3474% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,292 |
| Loan loss allowance to noncurrent loans | 229.3204% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 3,148 |
| Noncurrent loans to loans | 0.7132% | 2,753 |
| Net loans and leases to total assets | 68.0523% | 2,758 |
| Net loans and leases to deposits | 82.3170% | 2,631 |
| Net loans and leases to core deposits | 94.9957% | 2,006 |
| Total domestic deposits to total assets | 82.6710% | 3,869 |
| Equity capital to assets | 12.0387% | 1,772 |
| Core capital (leverage) ratio | 12.2928% | 1,435 |
| Tier 1 risk-based capital ratio | 20.2214% | 1,337 |
| Total risk-based capital ratio | 21.4793% | 1,313 |
| Memoranda: | ||
| Average total assets | $104,160,200 | 4,283 |
| Average earning assets | $98,631,000 | 4,230 |
| Average equity | $12,479,600 | 4,172 |
| Average total loans | $69,459,800 | 4,056 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,303 |
| Cost of funding earning assets | 0.3868% | 3,157 |
| Net interest margin | 3.8734% | 2,074 |
| Noninterest income to average assets | 0.7812% | 1,838 |
| Noninterest expense to average assets | 2.9687% | 2,402 |
| Loan and lease loss provision to assets | 0.0704% | 2,806 |
| Net operating income to assets | 1.4306% | 1,002 |
| Return on assets (ROA) | 1.4318% | 1,053 |
| Pretax return on assets | 1.3985% | 2,042 |
| Return on Equity (ROE) | 11.9652% | 1,337 |
| Retained earnings to average equity (ytd only) | 4.3131% | 3,253 |
| Net charge-offs to loans | 0.0814% | 2,157 |
| Credit loss provision to net charge-offs | 130.9524% | 1,966 |
| Earnings coverage of net charge-offs (x) | 27.2850% | 1,569 |
| Efficiency ratio | 66.9169% | 3,437 |
| Assets per employee ($millions) | 4.1555% | 3,681 |
| Cash dividends to net income (ytd only)* | 63.9535% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,378 |
| Loan loss allowance to noncurrent loans | 220.0378% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 3,271 |
| Noncurrent loans to loans | 0.7412% | 2,817 |
| Net loans and leases to total assets | 67.5753% | 2,859 |
| Net loans and leases to deposits | 82.0385% | 2,728 |
| Net loans and leases to core deposits | 94.7971% | 2,123 |
| Total domestic deposits to total assets | 82.3703% | 3,817 |
| Equity capital to assets | 12.1940% | 1,986 |
| Core capital (leverage) ratio | 12.2649% | 1,503 |
| Tier 1 risk-based capital ratio | 20.1813% | 1,413 |
| Total risk-based capital ratio | 21.4386% | 1,375 |
| Memoranda: | ||
| Average total assets | $104,105,250 | 4,315 |
| Average earning assets | $98,239,750 | 4,268 |
| Average equity | $12,458,000 | 4,211 |
| Average total loans | $68,771,250 | 4,100 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 2,346 |
| Cost of funding earning assets | 0.3858% | 3,197 |
| Net interest margin | 3.8602% | 2,109 |
| Noninterest income to average assets | 0.7698% | 1,848 |
| Noninterest expense to average assets | 2.9642% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4322% | 1,003 |
| Return on assets (ROA) | 1.4341% | 1,046 |
| Pretax return on assets | 1.4187% | 1,951 |
| Return on Equity (ROE) | 12.0601% | 1,293 |
| Retained earnings to average equity (ytd only) | 3.3258% | 3,783 |
| Net charge-offs to loans | 0.0648% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.5455% | 1,305 |
| Efficiency ratio | 67.6599% | 3,411 |
| Assets per employee ($millions) | 4.1949% | 3,575 |
| Cash dividends to net income (ytd only)* | 72.4230% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 1,412 |
| Loan loss allowance to noncurrent loans | 177.5157% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 3,066 |
| Noncurrent loans to loans | 0.9275% | 2,414 |
| Net loans and leases to total assets | 64.3117% | 3,320 |
| Net loans and leases to deposits | 76.2090% | 3,358 |
| Net loans and leases to core deposits | 87.6182% | 2,768 |
| Total domestic deposits to total assets | 84.3886% | 3,123 |
| Equity capital to assets | 11.9212% | 2,177 |
| Core capital (leverage) ratio | 11.8719% | 1,720 |
| Tier 1 risk-based capital ratio | 20.5366% | 1,339 |
| Total risk-based capital ratio | 21.7934% | 1,317 |
| Memoranda: | ||
| Average total assets | $104,178,000 | 4,351 |
| Average earning assets | $97,455,670 | 4,316 |
| Average equity | $12,388,000 | 4,251 |
| Average total loans | $67,906,330 | 4,153 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,292 |
| Cost of funding earning assets | 0.3825% | 3,270 |
| Net interest margin | 3.8704% | 2,035 |
| Noninterest income to average assets | 0.7743% | 1,712 |
| Noninterest expense to average assets | 2.9587% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4408% | 961 |
| Return on assets (ROA) | 1.4447% | 998 |
| Pretax return on assets | 1.4447% | 1,764 |
| Return on Equity (ROE) | 12.1645% | 1,270 |
| Retained earnings to average equity (ytd only) | 7.0392% | 1,868 |
| Net charge-offs to loans | -0.0118% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2504% | 3,587 |
| Assets per employee ($millions) | 4.3670% | 3,294 |
| Cash dividends to net income (ytd only)* | 42.1333% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 1,329 |
| Loan loss allowance to noncurrent loans | 191.8469% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 3,345 |
| Noncurrent loans to loans | 0.8923% | 2,614 |
| Net loans and leases to total assets | 63.1656% | 3,360 |
| Net loans and leases to deposits | 74.8485% | 3,335 |
| Net loans and leases to core deposits | 86.6280% | 2,695 |
| Total domestic deposits to total assets | 84.3913% | 3,362 |
| Equity capital to assets | 11.8809% | 2,104 |
| Core capital (leverage) ratio | 12.1481% | 1,525 |
| Tier 1 risk-based capital ratio | 21.0594% | 1,311 |
| Total risk-based capital ratio | 22.3177% | 1,281 |
| Memoranda: | ||
| Average total assets | $103,831,000 | 4,393 |
| Average earning assets | $97,251,500 | 4,354 |
| Average equity | $12,331,000 | 4,279 |
| Average total loans | $67,572,500 | 4,172 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 1,977 |
| Cost of funding earning assets | 0.4035% | 3,116 |
| Net interest margin | 3.9744% | 1,801 |
| Noninterest income to average assets | 0.7690% | 1,903 |
| Noninterest expense to average assets | 2.9816% | 2,612 |
| Loan and lease loss provision to assets | 0.0788% | 2,709 |
| Net operating income to assets | 1.4947% | 874 |
| Return on assets (ROA) | 1.4967% | 904 |
| Pretax return on assets | 1.4543% | 1,701 |
| Return on Equity (ROE) | 12.7920% | 1,100 |
| Retained earnings to average equity (ytd only) | 4.5782% | 2,721 |
| Net charge-offs to loans | 0.0455% | 3,306 |
| Credit loss provision to net charge-offs | 266.6667% | 1,084 |
| Earnings coverage of net charge-offs (x) | 51.8333% | 973 |
| Efficiency ratio | 66.0703% | 3,891 |
| Assets per employee ($millions) | 4.2856% | 3,419 |
| Cash dividends to net income (ytd only)* | 64.2105% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 1,354 |
| Loan loss allowance to noncurrent loans | 183.5726% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 3,240 |
| Noncurrent loans to loans | 0.9249% | 2,489 |
| Net loans and leases to total assets | 64.7893% | 3,148 |
| Net loans and leases to deposits | 75.1768% | 3,356 |
| Net loans and leases to core deposits | 87.3130% | 2,669 |
| Total domestic deposits to total assets | 86.1825% | 2,549 |
| Equity capital to assets | 11.8711% | 2,053 |
| Core capital (leverage) ratio | 12.0507% | 1,588 |
| Tier 1 risk-based capital ratio | 21.0575% | 1,289 |
| Total risk-based capital ratio | 22.3144% | 1,267 |
| Memoranda: | ||
| Average total assets | $101,557,600 | 4,433 |
| Average earning assets | $95,661,400 | 4,396 |
| Average equity | $11,882,400 | 4,328 |
| Average total loans | $65,892,000 | 4,202 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 2,042 |
| Cost of funding earning assets | 0.4078% | 3,144 |
| Net interest margin | 3.9540% | 1,861 |
| Noninterest income to average assets | 0.7455% | 2,046 |
| Noninterest expense to average assets | 3.0003% | 2,525 |
| Loan and lease loss provision to assets | 0.0395% | 3,421 |
| Net operating income to assets | 1.4633% | 984 |
| Return on assets (ROA) | 1.4659% | 1,019 |
| Pretax return on assets | 1.4369% | 1,879 |
| Return on Equity (ROE) | 12.5754% | 1,223 |
| Retained earnings to average equity (ytd only) | 3.2540% | 4,141 |
| Net charge-offs to loans | 0.0245% | 3,446 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 93.2475% | 660 |
| Efficiency ratio | 67.0592% | 3,696 |
| Assets per employee ($millions) | 4.1556% | 3,607 |
| Cash dividends to net income (ytd only)* | 74.1240% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 1,423 |
| Loan loss allowance to noncurrent loans | 141.1097% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 2,897 |
| Noncurrent loans to loans | 1.2196% | 2,098 |
| Net loans and leases to total assets | 64.0714% | 3,299 |
| Net loans and leases to deposits | 74.6734% | 3,458 |
| Net loans and leases to core deposits | 87.8533% | 2,674 |
| Total domestic deposits to total assets | 85.8022% | 2,639 |
| Equity capital to assets | 12.1222% | 2,015 |
| Core capital (leverage) ratio | 11.8558% | 1,773 |
| Tier 1 risk-based capital ratio | 20.7886% | 1,387 |
| Total risk-based capital ratio | 22.0472% | 1,356 |
| Memoranda: | ||
| Average total assets | $101,233,250 | 4,487 |
| Average earning assets | $95,463,000 | 4,451 |
| Average equity | $11,800,500 | 4,389 |
| Average total loans | $65,417,500 | 4,261 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 2,086 |
| Cost of funding earning assets | 0.4094% | 3,166 |
| Net interest margin | 3.9199% | 1,910 |
| Noninterest income to average assets | 0.7647% | 1,929 |
| Noninterest expense to average assets | 2.9725% | 2,640 |
| Loan and lease loss provision to assets | 0.0590% | 2,920 |
| Net operating income to assets | 1.4705% | 950 |
| Return on assets (ROA) | 1.4744% | 990 |
| Pretax return on assets | 1.4450% | 1,820 |
| Return on Equity (ROE) | 12.8161% | 1,152 |
| Retained earnings to average equity (ytd only) | -1.2816% | 5,736 |
| Net charge-offs to loans | 0.0061% | 3,687 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 381.5000% | 180 |
| Efficiency ratio | 66.4615% | 3,931 |
| Assets per employee ($millions) | 4.1997% | 3,469 |
| Cash dividends to net income (ytd only)* | 110.0000% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 1,609 |
| Loan loss allowance to noncurrent loans | 160.3693% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 2,997 |
| Noncurrent loans to loans | 1.0580% | 2,528 |
| Net loans and leases to total assets | 64.8980% | 3,139 |
| Net loans and leases to deposits | 75.2849% | 3,347 |
| Net loans and leases to core deposits | 88.6702% | 2,488 |
| Total domestic deposits to total assets | 86.2033% | 2,577 |
| Equity capital to assets | 11.5723% | 2,355 |
| Core capital (leverage) ratio | 11.6530% | 1,881 |
| Tier 1 risk-based capital ratio | 20.2378% | 1,499 |
| Total risk-based capital ratio | 21.4959% | 1,473 |
| Memoranda: | ||
| Average total assets | $101,733,000 | 4,518 |
| Average earning assets | $96,227,330 | 4,461 |
| Average equity | $11,704,000 | 4,437 |
| Average total loans | $65,550,000 | 4,291 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 2,271 |
| Cost of funding earning assets | 0.4099% | 3,194 |
| Net interest margin | 3.8419% | 2,095 |
| Noninterest income to average assets | 0.7436% | 1,943 |
| Noninterest expense to average assets | 2.8805% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5185% | 816 |
| Return on assets (ROA) | 1.5264% | 850 |
| Pretax return on assets | 1.5029% | 1,562 |
| Return on Equity (ROE) | 13.3060% | 1,024 |
| Retained earnings to average equity (ytd only) | 2.8659% | 4,251 |
| Net charge-offs to loans | 0.0307% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 76.4000% | 616 |
| Efficiency ratio | 65.8318% | 4,188 |
| Assets per employee ($millions) | 4.1194% | 3,730 |
| Cash dividends to net income (ytd only)* | 78.4615% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 1,759 |
| Loan loss allowance to noncurrent loans | 117.9763% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 2,809 |
| Noncurrent loans to loans | 1.4331% | 1,991 |
| Net loans and leases to total assets | 61.8818% | 3,384 |
| Net loans and leases to deposits | 71.7055% | 3,561 |
| Net loans and leases to core deposits | 84.4507% | 2,720 |
| Total domestic deposits to total assets | 86.2999% | 2,768 |
| Equity capital to assets | 11.5172% | 2,448 |
| Core capital (leverage) ratio | 11.6357% | 1,899 |
| Tier 1 risk-based capital ratio | 21.4037% | 1,346 |
| Total risk-based capital ratio | 22.6623% | 1,318 |
| Memoranda: | ||
| Average total assets | $102,203,500 | 4,551 |
| Average earning assets | $96,618,500 | 4,489 |
| Average equity | $11,724,000 | 4,467 |
| Average total loans | $65,054,500 | 4,331 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 2,496 |
| Cost of funding earning assets | 0.4395% | 3,281 |
| Net interest margin | 3.8904% | 2,278 |
| Noninterest income to average assets | 0.8426% | 1,707 |
| Noninterest expense to average assets | 2.9973% | 2,844 |
| Loan and lease loss provision to assets | 0.0837% | 2,808 |
| Net operating income to assets | 1.4794% | 915 |
| Return on assets (ROA) | 1.4794% | 956 |
| Pretax return on assets | 1.4735% | 1,641 |
| Return on Equity (ROE) | 13.4994% | 1,039 |
| Retained earnings to average equity (ytd only) | 7.5715% | 1,172 |
| Net charge-offs to loans | 0.0396% | 4,032 |
| Credit loss provision to net charge-offs | 326.9231% | 804 |
| Earnings coverage of net charge-offs (x) | 60.8462% | 785 |
| Efficiency ratio | 65.8094% | 4,284 |
| Assets per employee ($millions) | 4.2259% | 3,488 |
| Cash dividends to net income (ytd only)* | 43.9122% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,809 |
| Loan loss allowance to noncurrent loans | 95.9059% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 2,333 |
| Noncurrent loans to loans | 1.7585% | 1,640 |
| Net loans and leases to total assets | 63.2831% | 3,319 |
| Net loans and leases to deposits | 73.4519% | 3,501 |
| Net loans and leases to core deposits | 86.1899% | 2,665 |
| Total domestic deposits to total assets | 86.1559% | 2,749 |
| Equity capital to assets | 11.4245% | 2,495 |
| Core capital (leverage) ratio | 11.5959% | 1,906 |
| Tier 1 risk-based capital ratio | 20.0905% | 1,580 |
| Total risk-based capital ratio | 21.3490% | 1,550 |
| Memoranda: | ||
| Average total assets | $101,593,000 | 4,560 |
| Average earning assets | $96,931,400 | 4,484 |
| Average equity | $11,133,800 | 4,535 |
| Average total loans | $65,722,200 | 4,309 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,628 |
| Cost of funding earning assets | 0.4454% | 3,306 |
| Net interest margin | 3.8566% | 2,405 |
| Noninterest income to average assets | 0.8488% | 1,704 |
| Noninterest expense to average assets | 2.9884% | 2,842 |
| Loan and lease loss provision to assets | 0.1115% | 2,182 |
| Net operating income to assets | 1.4443% | 1,040 |
| Return on assets (ROA) | 1.4443% | 1,080 |
| Pretax return on assets | 1.4404% | 1,845 |
| Return on Equity (ROE) | 13.3203% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.1501% | 1,739 |
| Net charge-offs to loans | 0.0729% | 3,148 |
| Credit loss provision to net charge-offs | 236.1111% | 1,108 |
| Earnings coverage of net charge-offs (x) | 32.8602% | 1,293 |
| Efficiency ratio | 65.8191% | 4,241 |
| Assets per employee ($millions) | 4.5033% | 2,966 |
| Cash dividends to net income (ytd only)* | 46.3214% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 2,304 |
| Loan loss allowance to noncurrent loans | 89.6467% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2686% | 2,425 |
| Noncurrent loans to loans | 1.7850% | 1,814 |
| Net loans and leases to total assets | 64.7727% | 3,064 |
| Net loans and leases to deposits | 74.7735% | 3,331 |
| Net loans and leases to core deposits | 88.3308% | 2,387 |
| Total domestic deposits to total assets | 86.6253% | 2,512 |
| Equity capital to assets | 10.9562% | 2,999 |
| Core capital (leverage) ratio | 11.2351% | 2,277 |
| Tier 1 risk-based capital ratio | 19.3562% | 1,810 |
| Total risk-based capital ratio | 20.6138% | 1,787 |
| Memoranda: | ||
| Average total assets | $101,635,750 | 4,611 |
| Average earning assets | $97,285,000 | 4,516 |
| Average equity | $11,020,500 | 4,594 |
| Average total loans | $65,831,750 | 4,336 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 2,739 |
| Cost of funding earning assets | 0.4551% | 3,267 |
| Net interest margin | 3.8044% | 2,557 |
| Noninterest income to average assets | 0.8674% | 1,598 |
| Noninterest expense to average assets | 3.0142% | 2,785 |
| Loan and lease loss provision to assets | 0.1188% | 2,065 |
| Net operating income to assets | 1.3823% | 1,103 |
| Return on assets (ROA) | 1.3823% | 1,147 |
| Pretax return on assets | 1.3764% | 1,982 |
| Return on Equity (ROE) | 12.7940% | 1,234 |
| Retained earnings to average equity (ytd only) | 6.6536% | 1,948 |
| Net charge-offs to loans | 0.0430% | 3,365 |
| Credit loss provision to net charge-offs | 428.5714% | 652 |
| Earnings coverage of net charge-offs (x) | 53.9286% | 873 |
| Efficiency ratio | 66.8423% | 4,226 |
| Assets per employee ($millions) | 4.3151% | 3,240 |
| Cash dividends to net income (ytd only)* | 47.9943% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 2,447 |
| Loan loss allowance to noncurrent loans | 69.3435% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.6087% | 2,036 |
| Noncurrent loans to loans | 2.3100% | 1,401 |
| Net loans and leases to total assets | 64.5353% | 2,992 |
| Net loans and leases to deposits | 72.6773% | 3,482 |
| Net loans and leases to core deposits | 85.5114% | 2,563 |
| Total domestic deposits to total assets | 88.7970% | 1,475 |
| Equity capital to assets | 10.7597% | 3,137 |
| Core capital (leverage) ratio | 11.2119% | 2,232 |
| Tier 1 risk-based capital ratio | 18.4873% | 2,072 |
| Total risk-based capital ratio | 19.7440% | 2,022 |
| Memoranda: | ||
| Average total assets | $100,989,000 | 4,663 |
| Average earning assets | $96,678,000 | 4,563 |
| Average equity | $10,911,330 | 4,633 |
| Average total loans | $65,049,000 | 4,391 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,487 |
| Cost of funding earning assets | 0.4658% | 3,259 |
| Net interest margin | 3.8440% | 2,292 |
| Noninterest income to average assets | 0.7944% | 1,776 |
| Noninterest expense to average assets | 2.9769% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5045% | 811 |
| Return on assets (ROA) | 1.5045% | 842 |
| Pretax return on assets | 1.4924% | 1,449 |
| Return on Equity (ROE) | 13.8947% | 965 |
| Retained earnings to average equity (ytd only) | 13.8947% | 403 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6068% | 4,429 |
| Assets per employee ($millions) | 4.1621% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 2,503 |
| Loan loss allowance to noncurrent loans | 79.9693% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 2,539 |
| Noncurrent loans to loans | 2.0656% | 1,794 |
| Net loans and leases to total assets | 62.1073% | 3,223 |
| Net loans and leases to deposits | 70.1640% | 3,584 |
| Net loans and leases to core deposits | 83.1288% | 2,628 |
| Total domestic deposits to total assets | 88.5174% | 1,926 |
| Equity capital to assets | 11.0351% | 2,686 |
| Core capital (leverage) ratio | 11.3719% | 2,076 |
| Tier 1 risk-based capital ratio | 20.5610% | 1,566 |
| Total risk-based capital ratio | 21.8183% | 1,536 |
| Memoranda: | ||
| Average total assets | $99,702,500 | 4,746 |
| Average earning assets | $95,317,000 | 4,646 |
| Average equity | $10,795,500 | 4,666 |
| Average total loans | $63,612,500 | 4,471 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 2,727 |
| Cost of funding earning assets | 0.5580% | 3,042 |
| Net interest margin | 3.8035% | 2,644 |
| Noninterest income to average assets | 0.7432% | 2,320 |
| Noninterest expense to average assets | 3.0323% | 2,958 |
| Loan and lease loss provision to assets | 0.0894% | 3,325 |
| Net operating income to assets | 0.3438% | 5,361 |
| Return on assets (ROA) | 0.3438% | 5,470 |
| Pretax return on assets | 1.2379% | 2,425 |
| Return on Equity (ROE) | 3.2589% | 5,416 |
| Retained earnings to average equity (ytd only) | -5.7643% | 6,408 |
| Net charge-offs to loans | 0.1258% | 3,559 |
| Credit loss provision to net charge-offs | 112.5000% | 2,144 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 1,781 |
| Efficiency ratio | 69.5533% | 3,913 |
| Assets per employee ($millions) | 4.1465% | 3,539 |
| Cash dividends to net income (ytd only)* | 276.8786% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 2,667 |
| Loan loss allowance to noncurrent loans | 59.1038% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 1,953 |
| Noncurrent loans to loans | 2.7485% | 1,302 |
| Net loans and leases to total assets | 63.4095% | 3,142 |
| Net loans and leases to deposits | 71.3275% | 3,613 |
| Net loans and leases to core deposits | 83.6464% | 2,710 |
| Total domestic deposits to total assets | 88.8992% | 1,696 |
| Equity capital to assets | 10.6195% | 3,022 |
| Core capital (leverage) ratio | 10.8687% | 2,511 |
| Tier 1 risk-based capital ratio | 19.5936% | 1,755 |
| Total risk-based capital ratio | 20.8510% | 1,721 |
| Memoranda: | ||
| Average total assets | $100,650,600 | 4,723 |
| Average earning assets | $95,702,200 | 4,627 |
| Average equity | $10,617,000 | 4,716 |
| Average total loans | $63,607,200 | 4,495 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,730 |
| Cost of funding earning assets | 0.5726% | 3,066 |
| Net interest margin | 3.7888% | 2,682 |
| Noninterest income to average assets | 0.7186% | 2,515 |
| Noninterest expense to average assets | 3.0356% | 2,869 |
| Loan and lease loss provision to assets | 0.0793% | 3,475 |
| Net operating income to assets | 0.8150% | 3,270 |
| Return on assets (ROA) | 0.8150% | 3,400 |
| Pretax return on assets | 1.2047% | 2,671 |
| Return on Equity (ROE) | 7.7395% | 3,266 |
| Retained earnings to average equity (ytd only) | -0.1004% | 5,955 |
| Net charge-offs to loans | 0.1239% | 3,301 |
| Credit loss provision to net charge-offs | 101.6949% | 2,305 |
| Earnings coverage of net charge-offs (x) | 16.4756% | 1,805 |
| Efficiency ratio | 70.2752% | 3,710 |
| Assets per employee ($millions) | 4.3600% | 3,119 |
| Cash dividends to net income (ytd only)* | 101.2958% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 2,974 |
| Loan loss allowance to noncurrent loans | 77.5526% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 2,676 |
| Noncurrent loans to loans | 2.0717% | 2,166 |
| Net loans and leases to total assets | 63.0864% | 3,151 |
| Net loans and leases to deposits | 71.6796% | 3,551 |
| Net loans and leases to core deposits | 84.0961% | 2,646 |
| Total domestic deposits to total assets | 88.0116% | 2,121 |
| Equity capital to assets | 10.6492% | 3,119 |
| Core capital (leverage) ratio | 11.6395% | 1,921 |
| Tier 1 risk-based capital ratio | 20.6992% | 1,560 |
| Total risk-based capital ratio | 21.9560% | 1,532 |
| Memoranda: | ||
| Average total assets | $100,934,500 | 4,764 |
| Average earning assets | $95,928,750 | 4,667 |
| Average equity | $10,629,250 | 4,768 |
| Average total loans | $63,473,000 | 4,542 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 2,877 |
| Cost of funding earning assets | 0.5912% | 3,024 |
| Net interest margin | 3.7262% | 2,866 |
| Noninterest income to average assets | 0.6663% | 2,817 |
| Noninterest expense to average assets | 2.9698% | 3,093 |
| Loan and lease loss provision to assets | 0.0494% | 3,993 |
| Net operating income to assets | 0.8067% | 3,252 |
| Return on assets (ROA) | 0.8067% | 3,407 |
| Pretax return on assets | 1.1863% | 2,737 |
| Return on Equity (ROE) | 7.6889% | 3,239 |
| Retained earnings to average equity (ytd only) | -2.8833% | 6,301 |
| Net charge-offs to loans | 0.1582% | 2,836 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,972 |
| Efficiency ratio | 70.6159% | 3,708 |
| Assets per employee ($millions) | 4.1943% | 3,370 |
| Cash dividends to net income (ytd only)* | 137.5000% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 3,121 |
| Loan loss allowance to noncurrent loans | 65.3896% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.7951% | 2,420 |
| Noncurrent loans to loans | 2.4618% | 1,894 |
| Net loans and leases to total assets | 61.1420% | 3,451 |
| Net loans and leases to deposits | 69.2219% | 3,827 |
| Net loans and leases to core deposits | 80.8502% | 2,930 |
| Total domestic deposits to total assets | 88.3275% | 2,023 |
| Equity capital to assets | 10.3682% | 3,469 |
| Core capital (leverage) ratio | 11.1871% | 2,182 |
| Tier 1 risk-based capital ratio | 21.0437% | 1,479 |
| Total risk-based capital ratio | 22.3006% | 1,453 |
| Memoranda: | ||
| Average total assets | $101,152,670 | 4,787 |
| Average earning assets | $96,077,330 | 4,697 |
| Average equity | $10,612,670 | 4,804 |
| Average total loans | $63,198,670 | 4,568 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,844 |
| Cost of funding earning assets | 0.6024% | 3,086 |
| Net interest margin | 3.7100% | 2,813 |
| Noninterest income to average assets | 0.5760% | 3,270 |
| Noninterest expense to average assets | 2.9350% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7929% | 3,204 |
| Return on assets (ROA) | 0.7929% | 3,339 |
| Pretax return on assets | 1.1637% | 2,710 |
| Return on Equity (ROE) | 7.5137% | 3,213 |
| Retained earnings to average equity (ytd only) | 2.0560% | 4,974 |
| Net charge-offs to loans | 0.1448% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.8261% | 1,570 |
| Efficiency ratio | 71.6073% | 3,687 |
| Assets per employee ($millions) | 4.2793% | 3,376 |
| Cash dividends to net income (ytd only)* | 72.6368% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 3,375 |
| Loan loss allowance to noncurrent loans | 61.3747% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.9026% | 2,473 |
| Noncurrent loans to loans | 2.6176% | 1,967 |
| Net loans and leases to total assets | 60.1696% | 3,398 |
| Net loans and leases to deposits | 68.3282% | 3,736 |
| Net loans and leases to core deposits | 79.0695% | 2,917 |
| Total domestic deposits to total assets | 88.0597% | 2,275 |
| Equity capital to assets | 10.6618% | 3,363 |
| Core capital (leverage) ratio | 11.4887% | 1,893 |
| Tier 1 risk-based capital ratio | 21.3675% | 1,457 |
| Total risk-based capital ratio | 22.6243% | 1,429 |
| Memoranda: | ||
| Average total assets | $101,397,000 | 4,827 |
| Average earning assets | $96,281,500 | 4,731 |
| Average equity | $10,700,500 | 4,837 |
| Average total loans | $63,520,500 | 4,581 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 2,274 |
| Cost of funding earning assets | 0.7303% | 3,253 |
| Net interest margin | 4.0485% | 2,208 |
| Noninterest income to average assets | 0.7729% | 2,376 |
| Noninterest expense to average assets | 2.9249% | 3,552 |
| Loan and lease loss provision to assets | 0.2722% | 2,470 |
| Net operating income to assets | 0.9536% | 2,529 |
| Return on assets (ROA) | 0.9536% | 2,779 |
| Pretax return on assets | 1.3761% | 2,119 |
| Return on Equity (ROE) | 9.0890% | 2,600 |
| Retained earnings to average equity (ytd only) | 5.2559% | 2,534 |
| Net charge-offs to loans | 0.1331% | 4,347 |
| Credit loss provision to net charge-offs | 311.6279% | 779 |
| Earnings coverage of net charge-offs (x) | 18.8721% | 1,419 |
| Efficiency ratio | 63.9574% | 4,892 |
| Assets per employee ($millions) | 4.1705% | 3,612 |
| Cash dividends to net income (ytd only)* | 42.1725% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 3,279 |
| Loan loss allowance to noncurrent loans | 64.5807% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.8473% | 2,644 |
| Noncurrent loans to loans | 2.4877% | 2,131 |
| Net loans and leases to total assets | 63.1465% | 3,027 |
| Net loans and leases to deposits | 72.0134% | 3,408 |
| Net loans and leases to core deposits | 83.7239% | 2,577 |
| Total domestic deposits to total assets | 87.6872% | 2,422 |
| Equity capital to assets | 10.4415% | 3,598 |
| Core capital (leverage) ratio | 11.6580% | 1,763 |
| Tier 1 risk-based capital ratio | 21.1924% | 1,422 |
| Total risk-based capital ratio | 22.3675% | 1,404 |
| Memoranda: | ||
| Average total assets | $98,465,000 | 4,875 |
| Average earning assets | $92,429,400 | 4,799 |
| Average equity | $10,331,200 | 4,909 |
| Average total loans | $64,626,000 | 4,555 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 2,195 |
| Cost of funding earning assets | 0.7615% | 3,260 |
| Net interest margin | 4.0893% | 2,127 |
| Noninterest income to average assets | 0.7927% | 2,273 |
| Noninterest expense to average assets | 2.9519% | 3,399 |
| Loan and lease loss provision to assets | 0.2624% | 2,475 |
| Net operating income to assets | 0.9518% | 2,739 |
| Return on assets (ROA) | 0.9518% | 2,963 |
| Pretax return on assets | 1.4046% | 2,220 |
| Return on Equity (ROE) | 9.0602% | 2,774 |
| Retained earnings to average equity (ytd only) | 6.7434% | 2,253 |
| Net charge-offs to loans | 0.1051% | 4,342 |
| Credit loss provision to net charge-offs | 378.4314% | 714 |
| Earnings coverage of net charge-offs (x) | 24.0387% | 1,292 |
| Efficiency ratio | 63.9093% | 4,816 |
| Assets per employee ($millions) | 4.4411% | 3,012 |
| Cash dividends to net income (ytd only)* | 25.5714% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,947 |
| Loan loss allowance to noncurrent loans | 66.8914% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 3,152 |
| Noncurrent loans to loans | 2.2444% | 2,566 |
| Net loans and leases to total assets | 66.6124% | 2,538 |
| Net loans and leases to deposits | 76.2185% | 2,947 |
| Net loans and leases to core deposits | 89.3629% | 2,060 |
| Total domestic deposits to total assets | 87.3966% | 2,426 |
| Equity capital to assets | 10.6935% | 3,616 |
| Core capital (leverage) ratio | 11.7678% | 1,795 |
| Tier 1 risk-based capital ratio | 20.3366% | 1,674 |
| Total risk-based capital ratio | 21.5922% | 1,643 |
| Memoranda: | ||
| Average total assets | $98,058,500 | 4,930 |
| Average earning assets | $91,750,250 | 4,858 |
| Average equity | $10,301,250 | 4,961 |
| Average total loans | $64,723,500 | 4,597 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 2,298 |
| Cost of funding earning assets | 0.7939% | 3,238 |
| Net interest margin | 4.0572% | 2,259 |
| Noninterest income to average assets | 0.7904% | 2,231 |
| Noninterest expense to average assets | 2.9518% | 3,435 |
| Loan and lease loss provision to assets | 0.1895% | 3,206 |
| Net operating income to assets | 0.9676% | 2,591 |
| Return on assets (ROA) | 0.9676% | 2,838 |
| Pretax return on assets | 1.4280% | 2,094 |
| Return on Equity (ROE) | 9.2662% | 2,682 |
| Retained earnings to average equity (ytd only) | 5.9304% | 2,750 |
| Net charge-offs to loans | -0.0311% | 6,534 |
| Credit loss provision to net charge-offs | -930.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6010% | 4,782 |
| Assets per employee ($millions) | 4.0931% | 3,677 |
| Cash dividends to net income (ytd only)* | 36.0000% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 4,227 |
| Loan loss allowance to noncurrent loans | 81.4530% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 3,805 |
| Noncurrent loans to loans | 1.7863% | 3,240 |
| Net loans and leases to total assets | 65.7067% | 2,731 |
| Net loans and leases to deposits | 74.9057% | 3,140 |
| Net loans and leases to core deposits | 88.0346% | 2,206 |
| Total domestic deposits to total assets | 87.7192% | 2,325 |
| Equity capital to assets | 10.4046% | 3,806 |
| Core capital (leverage) ratio | 11.4713% | 1,924 |
| Tier 1 risk-based capital ratio | 19.3365% | 1,891 |
| Total risk-based capital ratio | 20.5913% | 1,860 |
| Memoranda: | ||
| Average total assets | $98,176,670 | 4,950 |
| Average earning assets | $91,442,000 | 4,885 |
| Average equity | $10,252,330 | 4,973 |
| Average total loans | $64,273,000 | 4,629 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 2,631 |
| Cost of funding earning assets | 0.8294% | 3,236 |
| Net interest margin | 3.9723% | 2,621 |
| Noninterest income to average assets | 0.7580% | 2,360 |
| Noninterest expense to average assets | 2.9384% | 3,480 |
| Loan and lease loss provision to assets | 0.1345% | 3,669 |
| Net operating income to assets | 0.9537% | 2,669 |
| Return on assets (ROA) | 0.9537% | 2,879 |
| Pretax return on assets | 1.3938% | 2,210 |
| Return on Equity (ROE) | 9.1157% | 2,779 |
| Retained earnings to average equity (ytd only) | 9.1157% | 1,547 |
| Net charge-offs to loans | -0.0503% | 6,532 |
| Credit loss provision to net charge-offs | -412.5000% | 5,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7847% | 4,599 |
| Assets per employee ($millions) | 4.1745% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,645 |
| Loan loss allowance to noncurrent loans | 85.1003% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 4,112 |
| Noncurrent loans to loans | 1.6365% | 3,650 |
| Net loans and leases to total assets | 62.9680% | 3,051 |
| Net loans and leases to deposits | 71.5751% | 3,497 |
| Net loans and leases to core deposits | 83.2173% | 2,655 |
| Total domestic deposits to total assets | 87.9747% | 2,336 |
| Equity capital to assets | 10.1219% | 3,960 |
| Core capital (leverage) ratio | 11.5607% | 1,862 |
| Tier 1 risk-based capital ratio | 20.3754% | 1,624 |
| Total risk-based capital ratio | 21.6293% | 1,593 |
| Memoranda: | ||
| Average total assets | $98,147,500 | 4,977 |
| Average earning assets | $91,635,500 | 4,919 |
| Average equity | $10,268,000 | 4,982 |
| Average total loans | $63,659,500 | 4,673 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 2,437 |
| Cost of funding earning assets | 1.0632% | 2,929 |
| Net interest margin | 4.0409% | 2,677 |
| Noninterest income to average assets | 0.8438% | 1,870 |
| Noninterest expense to average assets | 2.8168% | 4,281 |
| Loan and lease loss provision to assets | 0.3463% | 2,928 |
| Net operating income to assets | 1.0358% | 2,060 |
| Return on assets (ROA) | 1.0358% | 2,214 |
| Pretax return on assets | 1.5018% | 1,463 |
| Return on Equity (ROE) | 9.5453% | 2,231 |
| Retained earnings to average equity (ytd only) | 6.0927% | 1,965 |
| Net charge-offs to loans | 0.2362% | 4,302 |
| Credit loss provision to net charge-offs | 212.9032% | 1,151 |
| Earnings coverage of net charge-offs (x) | 11.3613% | 1,731 |
| Efficiency ratio | 60.3825% | 5,691 |
| Assets per employee ($millions) | 4.0044% | 3,839 |
| Cash dividends to net income (ytd only)* | 36.1702% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,698 |
| Loan loss allowance to noncurrent loans | 63.6228% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 3,716 |
| Noncurrent loans to loans | 2.1092% | 3,057 |
| Net loans and leases to total assets | 65.0230% | 2,983 |
| Net loans and leases to deposits | 73.8621% | 3,523 |
| Net loans and leases to core deposits | 86.7533% | 2,534 |
| Total domestic deposits to total assets | 88.0330% | 2,133 |
| Equity capital to assets | 10.8162% | 3,176 |
| Core capital (leverage) ratio | 11.2338% | 2,098 |
| Tier 1 risk-based capital ratio | 20.4160% | 1,540 |
| Total risk-based capital ratio | 21.6695% | 1,510 |
| Memoranda: | ||
| Average total assets | $95,286,000 | 5,035 |
| Average earning assets | $90,103,000 | 4,934 |
| Average equity | $10,340,200 | 4,936 |
| Average total loans | $65,623,600 | 4,648 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 2,435 |
| Cost of funding earning assets | 1.0995% | 2,983 |
| Net interest margin | 4.0387% | 2,737 |
| Noninterest income to average assets | 0.8596% | 1,807 |
| Noninterest expense to average assets | 2.8214% | 4,266 |
| Loan and lease loss provision to assets | 0.3225% | 2,955 |
| Net operating income to assets | 1.0475% | 2,149 |
| Return on assets (ROA) | 1.0475% | 2,298 |
| Pretax return on assets | 1.5327% | 1,570 |
| Return on Equity (ROE) | 9.6449% | 2,331 |
| Retained earnings to average equity (ytd only) | 7.1271% | 1,901 |
| Net charge-offs to loans | 0.1108% | 4,901 |
| Credit loss provision to net charge-offs | 418.1818% | 676 |
| Earnings coverage of net charge-offs (x) | 24.0551% | 1,093 |
| Efficiency ratio | 60.3298% | 5,662 |
| Assets per employee ($millions) | 3.9934% | 3,858 |
| Cash dividends to net income (ytd only)* | 26.1039% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 5,094 |
| Loan loss allowance to noncurrent loans | 49.7367% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 3,340 |
| Noncurrent loans to loans | 2.5761% | 2,690 |
| Net loans and leases to total assets | 68.3323% | 2,420 |
| Net loans and leases to deposits | 77.6687% | 3,055 |
| Net loans and leases to core deposits | 91.2449% | 2,083 |
| Total domestic deposits to total assets | 87.9792% | 2,045 |
| Equity capital to assets | 10.7719% | 3,394 |
| Core capital (leverage) ratio | 11.4176% | 2,088 |
| Tier 1 risk-based capital ratio | 18.7829% | 1,999 |
| Total risk-based capital ratio | 20.0359% | 1,962 |
| Memoranda: | ||
| Average total assets | $95,081,000 | 5,073 |
| Average earning assets | $89,861,000 | 4,959 |
| Average equity | $10,326,500 | 4,954 |
| Average total loans | $66,194,250 | 4,668 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1187% | 2,594 |
| Cost of funding earning assets | 1.1263% | 3,065 |
| Net interest margin | 3.9924% | 2,873 |
| Noninterest income to average assets | 0.8732% | 1,737 |
| Noninterest expense to average assets | 2.7861% | 4,483 |
| Loan and lease loss provision to assets | 0.1055% | 4,989 |
| Net operating income to assets | 1.1980% | 1,576 |
| Return on assets (ROA) | 1.1980% | 1,658 |
| Pretax return on assets | 1.7569% | 950 |
| Return on Equity (ROE) | 10.9999% | 1,799 |
| Retained earnings to average equity (ytd only) | 7.3785% | 1,702 |
| Net charge-offs to loans | 0.1119% | 4,577 |
| Credit loss provision to net charge-offs | 135.1351% | 2,254 |
| Earnings coverage of net charge-offs (x) | 23.8649% | 1,079 |
| Efficiency ratio | 59.9365% | 5,884 |
| Assets per employee ($millions) | 3.9576% | 3,846 |
| Cash dividends to net income (ytd only)* | 32.9225% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 6,203 |
| Loan loss allowance to noncurrent loans | 34.8884% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.1457% | 3,055 |
| Noncurrent loans to loans | 2.9676% | 2,447 |
| Net loans and leases to total assets | 69.2373% | 2,370 |
| Net loans and leases to deposits | 78.6573% | 3,012 |
| Net loans and leases to core deposits | 92.8581% | 2,036 |
| Total domestic deposits to total assets | 88.0240% | 2,117 |
| Equity capital to assets | 10.6894% | 3,301 |
| Core capital (leverage) ratio | 11.2956% | 2,051 |
| Tier 1 risk-based capital ratio | 18.7607% | 1,919 |
| Total risk-based capital ratio | 19.9674% | 1,896 |
| Memoranda: | ||
| Average total assets | $94,827,330 | 5,115 |
| Average earning assets | $89,671,330 | 5,004 |
| Average equity | $10,327,330 | 4,968 |
| Average total loans | $66,145,330 | 4,723 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 2,587 |
| Cost of funding earning assets | 1.1591% | 3,093 |
| Net interest margin | 3.9543% | 2,897 |
| Noninterest income to average assets | 0.8401% | 1,886 |
| Noninterest expense to average assets | 2.7989% | 4,449 |
| Loan and lease loss provision to assets | 0.2111% | 3,536 |
| Net operating income to assets | 1.1018% | 1,837 |
| Return on assets (ROA) | 1.1018% | 1,886 |
| Pretax return on assets | 1.5747% | 1,244 |
| Return on Equity (ROE) | 10.0245% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.4100% | 1,261 |
| Net charge-offs to loans | 0.1697% | 3,464 |
| Credit loss provision to net charge-offs | 178.5714% | 1,638 |
| Earnings coverage of net charge-offs (x) | 15.1071% | 1,335 |
| Efficiency ratio | 61.0497% | 5,827 |
| Assets per employee ($millions) | 4.0181% | 3,800 |
| Cash dividends to net income (ytd only)* | 6.1303% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 6,198 |
| Loan loss allowance to noncurrent loans | 39.4677% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8997% | 3,438 |
| Noncurrent loans to loans | 2.6750% | 2,817 |
| Net loans and leases to total assets | 67.7365% | 2,608 |
| Net loans and leases to deposits | 76.4194% | 3,354 |
| Net loans and leases to core deposits | 88.5576% | 2,531 |
| Total domestic deposits to total assets | 88.6378% | 1,995 |
| Equity capital to assets | 10.9163% | 2,763 |
| Core capital (leverage) ratio | 11.2272% | 2,014 |
| Tier 1 risk-based capital ratio | 18.1467% | 2,070 |
| Total risk-based capital ratio | 19.3443% | 2,049 |
| Memoranda: | ||
| Average total assets | $94,750,000 | 5,146 |
| Average earning assets | $89,724,500 | 5,036 |
| Average equity | $10,414,500 | 4,936 |
| Average total loans | $65,992,500 | 4,767 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2938% | 3,161 |
| Cost of funding earning assets | 1.3597% | 3,514 |
| Net interest margin | 3.9341% | 3,325 |
| Noninterest income to average assets | 0.9411% | 1,702 |
| Noninterest expense to average assets | 2.9388% | 4,073 |
| Loan and lease loss provision to assets | 0.1457% | 5,729 |
| Net operating income to assets | 1.0622% | 1,832 |
| Return on assets (ROA) | 1.0622% | 1,921 |
| Pretax return on assets | 1.5327% | 1,290 |
| Return on Equity (ROE) | 9.4070% | 2,141 |
| Retained earnings to average equity (ytd only) | 6.0828% | 1,772 |
| Net charge-offs to loans | 0.0686% | 6,115 |
| Credit loss provision to net charge-offs | 302.3256% | 885 |
| Earnings coverage of net charge-offs (x) | 34.8372% | 652 |
| Efficiency ratio | 63.6496% | 5,411 |
| Assets per employee ($millions) | 4.0463% | 3,689 |
| Cash dividends to net income (ytd only)* | 35.3376% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 6,260 |
| Loan loss allowance to noncurrent loans | 38.3873% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.9631% | 3,390 |
| Noncurrent loans to loans | 2.6695% | 2,848 |
| Net loans and leases to total assets | 70.1556% | 2,507 |
| Net loans and leases to deposits | 79.2597% | 3,298 |
| Net loans and leases to core deposits | 91.0284% | 2,614 |
| Total domestic deposits to total assets | 88.5135% | 1,939 |
| Equity capital to assets | 11.0696% | 2,629 |
| Core capital (leverage) ratio | 11.0871% | 2,096 |
| Tier 1 risk-based capital ratio | 17.9978% | 2,000 |
| Total risk-based capital ratio | 19.1772% | 1,985 |
| Memoranda: | ||
| Average total assets | $89,252,800 | 5,313 |
| Average earning assets | $83,399,600 | 5,236 |
| Average equity | $10,077,600 | 5,109 |
| Average total loans | $62,702,800 | 4,964 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 3,187 |
| Cost of funding earning assets | 1.4004% | 3,582 |
| Net interest margin | 3.9351% | 3,382 |
| Noninterest income to average assets | 0.9573% | 1,597 |
| Noninterest expense to average assets | 2.9746% | 3,839 |
| Loan and lease loss provision to assets | 0.1133% | 5,899 |
| Net operating income to assets | 1.0374% | 2,111 |
| Return on assets (ROA) | 1.0374% | 2,218 |
| Pretax return on assets | 1.5311% | 1,528 |
| Return on Equity (ROE) | 9.1401% | 2,439 |
| Retained earnings to average equity (ytd only) | 7.0513% | 1,815 |
| Net charge-offs to loans | 0.0086% | 6,543 |
| Credit loss provision to net charge-offs | 1,875.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 272.4128% | 117 |
| Efficiency ratio | 64.4001% | 5,176 |
| Assets per employee ($millions) | 3.9493% | 3,939 |
| Cash dividends to net income (ytd only)* | 22.8531% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 6,224 |
| Loan loss allowance to noncurrent loans | 38.5289% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.9596% | 3,524 |
| Noncurrent loans to loans | 2.6968% | 2,937 |
| Net loans and leases to total assets | 69.2028% | 2,936 |
| Net loans and leases to deposits | 78.4688% | 3,743 |
| Net loans and leases to core deposits | 90.4472% | 3,034 |
| Total domestic deposits to total assets | 88.1915% | 1,859 |
| Equity capital to assets | 11.3263% | 2,680 |
| Core capital (leverage) ratio | 11.3310% | 2,044 |
| Tier 1 risk-based capital ratio | 18.3964% | 1,902 |
| Total risk-based capital ratio | 19.5829% | 1,883 |
| Memoranda: | ||
| Average total assets | $88,299,500 | 5,404 |
| Average earning assets | $82,165,000 | 5,338 |
| Average equity | $10,021,500 | 5,189 |
| Average total loans | $61,886,750 | 5,068 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 3,490 |
| Cost of funding earning assets | 1.4212% | 3,742 |
| Net interest margin | 3.8753% | 3,560 |
| Noninterest income to average assets | 0.9674% | 1,467 |
| Noninterest expense to average assets | 2.9752% | 3,805 |
| Loan and lease loss provision to assets | 0.0915% | 6,009 |
| Net operating income to assets | 1.0565% | 1,996 |
| Return on assets (ROA) | 1.0565% | 2,063 |
| Pretax return on assets | 1.5299% | 1,480 |
| Return on Equity (ROE) | 9.3026% | 2,348 |
| Retained earnings to average equity (ytd only) | 6.1413% | 2,256 |
| Net charge-offs to loans | -0.0652% | 7,490 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7264% | 5,200 |
| Assets per employee ($millions) | 3.8754% | 4,047 |
| Cash dividends to net income (ytd only)* | 33.9827% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 6,214 |
| Loan loss allowance to noncurrent loans | 54.3551% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3396% | 4,479 |
| Noncurrent loans to loans | 1.9196% | 3,841 |
| Net loans and leases to total assets | 69.0556% | 3,118 |
| Net loans and leases to deposits | 78.2338% | 3,925 |
| Net loans and leases to core deposits | 90.7713% | 3,156 |
| Total domestic deposits to total assets | 88.2682% | 1,843 |
| Equity capital to assets | 11.2965% | 2,600 |
| Core capital (leverage) ratio | 11.2510% | 2,067 |
| Tier 1 risk-based capital ratio | 18.5254% | 1,824 |
| Total risk-based capital ratio | 19.7268% | 1,806 |
| Memoranda: | ||
| Average total assets | $87,455,000 | 5,469 |
| Average earning assets | $81,903,000 | 5,372 |
| Average equity | $9,932,670 | 5,219 |
| Average total loans | $61,342,670 | 5,120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 3,318 |
| Cost of funding earning assets | 1.4166% | 4,077 |
| Net interest margin | 3.9279% | 3,207 |
| Noninterest income to average assets | 0.9421% | 1,478 |
| Noninterest expense to average assets | 3.0572% | 3,449 |
| Loan and lease loss provision to assets | 0.0693% | 5,943 |
| Net operating income to assets | 1.0252% | 2,090 |
| Return on assets (ROA) | 1.0252% | 2,150 |
| Pretax return on assets | 1.4778% | 1,576 |
| Return on Equity (ROE) | 9.0020% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.0020% | 1,403 |
| Net charge-offs to loans | -0.0788% | 7,470 |
| Credit loss provision to net charge-offs | -125.0000% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3992% | 5,032 |
| Assets per employee ($millions) | 4.0358% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 6,416 |
| Loan loss allowance to noncurrent loans | 121.0216% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 6,066 |
| Noncurrent loans to loans | 0.8334% | 5,648 |
| Net loans and leases to total assets | 68.0978% | 3,362 |
| Net loans and leases to deposits | 77.0983% | 4,203 |
| Net loans and leases to core deposits | 87.5385% | 3,674 |
| Total domestic deposits to total assets | 88.3260% | 1,889 |
| Equity capital to assets | 11.2224% | 2,563 |
| Core capital (leverage) ratio | 11.2071% | 2,088 |
| Tier 1 risk-based capital ratio | 18.7088% | 1,794 |
| Total risk-based capital ratio | 19.8699% | 1,777 |
| Memoranda: | ||
| Average total assets | $86,615,500 | 5,556 |
| Average earning assets | $80,755,500 | 5,480 |
| Average equity | $9,864,500 | 5,280 |
| Average total loans | $60,913,500 | 5,208 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7415% | 2,901 |
| Cost of funding earning assets | 1.5458% | 5,303 |
| Net interest margin | 4.1956% | 2,078 |
| Noninterest income to average assets | 1.1825% | 1,103 |
| Noninterest expense to average assets | 3.2326% | 3,266 |
| Loan and lease loss provision to assets | 0.1856% | 5,854 |
| Net operating income to assets | 1.1671% | 1,341 |
| Return on assets (ROA) | 1.1671% | 1,374 |
| Pretax return on assets | 1.6892% | 800 |
| Return on Equity (ROE) | 9.5535% | 1,838 |
| Retained earnings to average equity (ytd only) | 6.2747% | 1,241 |
| Net charge-offs to loans | 0.0054% | 7,174 |
| Credit loss provision to net charge-offs | 4,833.3333% | 81 |
| Earnings coverage of net charge-offs (x) | 488.3333% | 52 |
| Efficiency ratio | 63.2924% | 5,916 |
| Assets per employee ($millions) | 3.8384% | 4,183 |
| Cash dividends to net income (ytd only)* | 34.3202% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,534 |
| Loan loss allowance to noncurrent loans | 160.9290% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 6,378 |
| Noncurrent loans to loans | 0.6025% | 6,031 |
| Net loans and leases to total assets | 71.2425% | 2,942 |
| Net loans and leases to deposits | 81.0236% | 3,792 |
| Net loans and leases to core deposits | 108.1800% | 3,086 |
| Total domestic deposits to total assets | 87.9281% | 2,001 |
| Equity capital to assets | 11.5639% | 2,270 |
| Core capital (leverage) ratio | 11.9048% | 1,704 |
| Tier 1 risk-based capital ratio | 17.6994% | 1,970 |
| Total risk-based capital ratio | 18.7738% | 1,983 |
| Memoranda: | ||
| Average total assets | $78,141,600 | 5,778 |
| Average earning assets | $73,100,000 | 5,717 |
| Average equity | $9,546,200 | 5,431 |
| Average total loans | $55,667,400 | 5,433 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8115% | 2,837 |
| Cost of funding earning assets | 1.5616% | 5,584 |
| Net interest margin | 4.2499% | 1,871 |
| Noninterest income to average assets | 1.1998% | 1,068 |
| Noninterest expense to average assets | 3.0822% | 3,709 |
| Loan and lease loss provision to assets | 0.1741% | 5,624 |
| Net operating income to assets | 1.3252% | 1,166 |
| Return on assets (ROA) | 1.3252% | 1,232 |
| Pretax return on assets | 1.9242% | 630 |
| Return on Equity (ROE) | 10.6900% | 1,710 |
| Retained earnings to average equity (ytd only) | 8.7515% | 907 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4958% | 6,481 |
| Assets per employee ($millions) | 3.7549% | 4,297 |
| Cash dividends to net income (ytd only)* | 18.1345% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,489 |
| Loan loss allowance to noncurrent loans | 193.9716% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 6,589 |
| Noncurrent loans to loans | 0.4948% | 6,325 |
| Net loans and leases to total assets | 71.5809% | 3,135 |
| Net loans and leases to deposits | 82.0476% | 4,015 |
| Net loans and leases to core deposits | 108.5526% | 3,405 |
| Total domestic deposits to total assets | 87.2432% | 2,056 |
| Equity capital to assets | 12.4360% | 1,988 |
| Core capital (leverage) ratio | 12.2726% | 1,670 |
| Tier 1 risk-based capital ratio | 20.0553% | 1,547 |
| Total risk-based capital ratio | 21.1832% | 1,524 |
| Memoranda: | ||
| Average total assets | $76,566,000 | 5,857 |
| Average earning assets | $71,718,000 | 5,796 |
| Average equity | $9,491,500 | 5,489 |
| Average total loans | $54,397,000 | 5,542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 2,651 |
| Cost of funding earning assets | 1.5442% | 5,949 |
| Net interest margin | 4.3423% | 1,543 |
| Noninterest income to average assets | 1.1899% | 1,106 |
| Noninterest expense to average assets | 3.1238% | 3,606 |
| Loan and lease loss provision to assets | 0.2638% | 4,467 |
| Net operating income to assets | 1.2928% | 1,244 |
| Return on assets (ROA) | 1.2928% | 1,331 |
| Pretax return on assets | 1.8680% | 744 |
| Return on Equity (ROE) | 10.4403% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.4787% | 1,395 |
| Net charge-offs to loans | 0.0075% | 6,479 |
| Credit loss provision to net charge-offs | 5,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 404.0000% | 90 |
| Efficiency ratio | 59.4378% | 6,630 |
| Assets per employee ($millions) | 3.5334% | 4,723 |
| Cash dividends to net income (ytd only)* | 28.3673% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 6,413 |
| Loan loss allowance to noncurrent loans | 294.5946% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 6,900 |
| Noncurrent loans to loans | 0.3313% | 6,683 |
| Net loans and leases to total assets | 71.1246% | 3,439 |
| Net loans and leases to deposits | 81.4052% | 4,319 |
| Net loans and leases to core deposits | 104.7220% | 3,987 |
| Total domestic deposits to total assets | 87.3710% | 2,065 |
| Equity capital to assets | 12.2405% | 2,064 |
| Core capital (leverage) ratio | 12.3051% | 1,695 |
| Tier 1 risk-based capital ratio | 20.0271% | 1,578 |
| Total risk-based capital ratio | 21.1815% | 1,550 |
| Memoranda: | ||
| Average total assets | $75,804,000 | 5,924 |
| Average earning assets | $70,976,670 | 5,856 |
| Average equity | $9,386,670 | 5,551 |
| Average total loans | $53,532,670 | 5,617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8793% | 2,898 |
| Cost of funding earning assets | 1.5451% | 6,260 |
| Net interest margin | 4.3342% | 1,506 |
| Noninterest income to average assets | 1.0903% | 1,253 |
| Noninterest expense to average assets | 3.0359% | 3,605 |
| Loan and lease loss provision to assets | 0.2672% | 3,824 |
| Net operating income to assets | 1.2667% | 1,463 |
| Return on assets (ROA) | 1.2667% | 1,564 |
| Pretax return on assets | 1.8653% | 868 |
| Return on Equity (ROE) | 10.1689% | 2,257 |
| Retained earnings to average equity (ytd only) | 10.1689% | 1,149 |
| Net charge-offs to loans | 0.0687% | 4,513 |
| Credit loss provision to net charge-offs | 555.5556% | 1,007 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 786 |
| Efficiency ratio | 58.7384% | 6,583 |
| Assets per employee ($millions) | 3.1949% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 6,623 |
| Loan loss allowance to noncurrent loans | 107.7263% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 5,600 |
| Noncurrent loans to loans | 0.8601% | 5,300 |
| Net loans and leases to total assets | 68.0530% | 4,127 |
| Net loans and leases to deposits | 77.9461% | 4,929 |
| Net loans and leases to core deposits | 97.6149% | 4,785 |
| Total domestic deposits to total assets | 87.3078% | 2,063 |
| Equity capital to assets | 12.2840% | 2,086 |
| Core capital (leverage) ratio | 12.5238% | 1,678 |
| Tier 1 risk-based capital ratio | 19.7026% | 1,675 |
| Total risk-based capital ratio | 20.7320% | 1,667 |
| Memoranda: | ||
| Average total assets | $74,839,000 | 5,979 |
| Average earning assets | $70,417,000 | 5,895 |
| Average equity | $9,322,500 | 5,597 |
| Average total loans | $52,382,500 | 5,701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1198% | 4,939 |
| Cost of funding earning assets | 2.0819% | 6,126 |
| Net interest margin | 4.0379% | 2,948 |
| Noninterest income to average assets | 1.2743% | 907 |
| Noninterest expense to average assets | 3.1960% | 3,354 |
| Loan and lease loss provision to assets | 0.1232% | 5,782 |
| Net operating income to assets | 1.1539% | 1,927 |
| Return on assets (ROA) | 1.1744% | 1,787 |
| Pretax return on assets | 1.7150% | 1,115 |
| Return on Equity (ROE) | 9.6656% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.7479% | 1,242 |
| Net charge-offs to loans | 0.1306% | 4,925 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 20.9683% | 1,552 |
| Efficiency ratio | 63.8676% | 5,588 |
| Assets per employee ($millions) | 3.6501% | 4,284 |
| Cash dividends to net income (ytd only)* | 30.1865% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 6,862 |
| Loan loss allowance to noncurrent loans | 155.2083% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 6,047 |
| Noncurrent loans to loans | 0.5528% | 5,704 |
| Net loans and leases to total assets | 70.7511% | 3,843 |
| Net loans and leases to deposits | 81.3934% | 4,810 |
| Net loans and leases to core deposits | 98.4728% | 4,992 |
| Total domestic deposits to total assets | 86.9248% | 1,973 |
| Equity capital to assets | 12.6382% | 1,949 |
| Core capital (leverage) ratio | 12.2450% | 1,865 |
| Tier 1 risk-based capital ratio | 20.6043% | 1,521 |
| Total risk-based capital ratio | 21.6159% | 1,526 |
| Memoranda: | ||
| Average total assets | $73,060,800 | 5,933 |
| Average earning assets | $67,485,600 | 5,910 |
| Average equity | $8,876,800 | 5,781 |
| Average total loans | $48,222,400 | 5,772 |