Home > Hardin County Savings Bank > Performance and Condition Ratios
Hardin County Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 2,395 |
| Cost of funding earning assets | 2.2758% | 567 |
| Net interest margin | 2.5653% | 4,013 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 1.3322% | 4,424 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6078% | 855 |
| Return on assets (ROA) | 1.1985% | 1,634 |
| Pretax return on assets | 1.2488% | 2,011 |
| Return on Equity (ROE) | 23.9900% | 352 |
| Retained earnings to average equity (ytd only) | 14.7960% | 336 |
| Net charge-offs to loans | 0.1287% | 764 |
| Credit loss provision to net charge-offs | 134.0611% | 1,567 |
| Earnings coverage of net charge-offs (x) | 26.3362% | 1,712 |
| Efficiency ratio | 43.0124% | 4,287 |
| Assets per employee ($millions) | 11.8380% | 428 |
| Cash dividends to net income (ytd only)* | 38.3150% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 2,836 |
| Loan loss allowance to noncurrent loans | 47.5593% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3009% | 320 |
| Noncurrent loans to loans | 2.3140% | 223 |
| Net loans and leases to total assets | 55.6000% | 3,229 |
| Net loans and leases to deposits | 68.1667% | 3,017 |
| Net loans and leases to core deposits | 102.6133% | 1,297 |
| Total domestic deposits to total assets | 81.5600% | 3,211 |
| Equity capital to assets | 5.6746% | 4,299 |
| Core capital (leverage) ratio | 9.9477% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0723% | 1,841 |
| Memoranda: | ||
| Average total assets | $341,686,800 | 2,225 |
| Average earning assets | $320,234,000 | 2,204 |
| Average equity | $17,072,200 | 3,088 |
| Average total loans | $177,888,400 | 2,464 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 2,368 |
| Cost of funding earning assets | 2.2056% | 495 |
| Net interest margin | 2.5470% | 4,090 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 1.3131% | 4,439 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7745% | 699 |
| Return on assets (ROA) | 1.2337% | 1,690 |
| Pretax return on assets | 1.2978% | 2,050 |
| Return on Equity (ROE) | 25.5700% | 369 |
| Retained earnings to average equity (ytd only) | 15.3649% | 519 |
| Net charge-offs to loans | 0.1509% | 556 |
| Credit loss provision to net charge-offs | 62.4365% | 1,847 |
| Earnings coverage of net charge-offs (x) | 24.8832% | 1,697 |
| Efficiency ratio | 40.6753% | 4,342 |
| Assets per employee ($millions) | 11.5510% | 426 |
| Cash dividends to net income (ytd only)* | 39.8987% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 2,906 |
| Loan loss allowance to noncurrent loans | 42.8416% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 294 |
| Noncurrent loans to loans | 2.5481% | 194 |
| Net loans and leases to total assets | 53.3400% | 3,405 |
| Net loans and leases to deposits | 63.0235% | 3,327 |
| Net loans and leases to core deposits | 93.2311% | 1,717 |
| Total domestic deposits to total assets | 84.6300% | 2,619 |
| Equity capital to assets | 4.3728% | 4,354 |
| Core capital (leverage) ratio | 9.5518% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2900% | 1,797 |
| Memoranda: | ||
| Average total assets | $341,283,000 | 2,232 |
| Average earning assets | $319,841,750 | 2,207 |
| Average equity | $16,470,000 | 3,126 |
| Average total loans | $174,111,250 | 2,494 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 2,289 |
| Cost of funding earning assets | 2.1070% | 405 |
| Net interest margin | 2.5526% | 4,155 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 1.2412% | 4,503 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.6452% | 882 |
| Return on assets (ROA) | 1.3542% | 1,425 |
| Pretax return on assets | 1.4252% | 1,752 |
| Return on Equity (ROE) | 27.2300% | 286 |
| Retained earnings to average equity (ytd only) | 18.3752% | 321 |
| Net charge-offs to loans | 0.0756% | 819 |
| Credit loss provision to net charge-offs | 127.6923% | 1,296 |
| Earnings coverage of net charge-offs (x) | 47.0154% | 1,317 |
| Efficiency ratio | 41.0835% | 4,362 |
| Assets per employee ($millions) | 12.0347% | 373 |
| Cash dividends to net income (ytd only)* | 32.5161% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,327 |
| Loan loss allowance to noncurrent loans | 57.7666% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 419 |
| Noncurrent loans to loans | 2.1167% | 251 |
| Net loans and leases to total assets | 49.4800% | 3,590 |
| Net loans and leases to deposits | 57.7281% | 3,553 |
| Net loans and leases to core deposits | 87.3560% | 1,979 |
| Total domestic deposits to total assets | 85.7200% | 2,325 |
| Equity capital to assets | 5.3895% | 4,309 |
| Core capital (leverage) ratio | 9.3551% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3924% | 1,457 |
| Memoranda: | ||
| Average total assets | $343,384,333 | 2,227 |
| Average earning assets | $322,645,667 | 2,214 |
| Average equity | $17,077,333 | 3,099 |
| Average total loans | $171,934,667 | 2,507 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 2,166 |
| Cost of funding earning assets | 1.9796% | 309 |
| Net interest margin | 2.5809% | 4,229 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 0.9671% | 4,630 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5647% | 1,048 |
| Return on assets (ROA) | 1.6261% | 938 |
| Pretax return on assets | 1.7127% | 1,252 |
| Return on Equity (ROE) | 34.0800% | 171 |
| Retained earnings to average equity (ytd only) | 23.7791% | 211 |
| Net charge-offs to loans | 0.1406% | 478 |
| Credit loss provision to net charge-offs | 63.9344% | 1,268 |
| Earnings coverage of net charge-offs (x) | 24.0492% | 1,394 |
| Efficiency ratio | 36.3557% | 4,531 |
| Assets per employee ($millions) | 10.8647% | 531 |
| Cash dividends to net income (ytd only)* | 30.2342% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,498 |
| Loan loss allowance to noncurrent loans | 56.0199% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 393 |
| Noncurrent loans to loans | 2.1606% | 249 |
| Net loans and leases to total assets | 47.5200% | 3,663 |
| Net loans and leases to deposits | 54.8806% | 3,635 |
| Net loans and leases to core deposits | 80.7860% | 2,195 |
| Total domestic deposits to total assets | 86.5800% | 2,416 |
| Equity capital to assets | 5.1690% | 4,391 |
| Core capital (leverage) ratio | 9.1736% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7717% | 1,694 |
| Memoranda: | ||
| Average total assets | $346,591,000 | 2,249 |
| Average earning assets | $325,310,500 | 2,234 |
| Average equity | $16,535,500 | 3,171 |
| Average total loans | $173,500,500 | 2,519 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 2,132 |
| Cost of funding earning assets | 0.9992% | 160 |
| Net interest margin | 2.8521% | 3,789 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.4372% | 4,482 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.2966% | 1,444 |
| Return on assets (ROA) | 1.2448% | 1,570 |
| Pretax return on assets | 1.2940% | 2,108 |
| Return on Equity (ROE) | 20.9200% | 399 |
| Retained earnings to average equity (ytd only) | 13.5384% | 447 |
| Net charge-offs to loans | 0.2930% | 260 |
| Credit loss provision to net charge-offs | 98.7629% | 1,574 |
| Earnings coverage of net charge-offs (x) | 9.7546% | 2,217 |
| Efficiency ratio | 48.9369% | 4,188 |
| Assets per employee ($millions) | 10.7972% | 532 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,480 |
| Loan loss allowance to noncurrent loans | 55.7920% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 378 |
| Noncurrent loans to loans | 2.1176% | 251 |
| Net loans and leases to total assets | 51.4200% | 3,401 |
| Net loans and leases to deposits | 59.8227% | 3,336 |
| Net loans and leases to core deposits | 91.6398% | 1,415 |
| Total domestic deposits to total assets | 85.9500% | 2,741 |
| Equity capital to assets | 4.3703% | 4,474 |
| Core capital (leverage) ratio | 9.0495% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0357% | 2,358 |
| Memoranda: | ||
| Average total assets | $315,466,400 | 2,375 |
| Average earning assets | $297,750,400 | 2,349 |
| Average equity | $18,768,800 | 3,057 |
| Average total loans | $165,533,600 | 2,497 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 2,341 |
| Cost of funding earning assets | 0.7453% | 205 |
| Net interest margin | 2.8567% | 3,602 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.4350% | 4,489 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4191% | 1,036 |
| Return on assets (ROA) | 1.3504% | 1,190 |
| Pretax return on assets | 1.4219% | 1,653 |
| Return on Equity (ROE) | 16.9100% | 815 |
| Retained earnings to average equity (ytd only) | 11.4929% | 919 |
| Net charge-offs to loans | 0.2782% | 241 |
| Credit loss provision to net charge-offs | 14.7929% | 1,646 |
| Earnings coverage of net charge-offs (x) | 10.5355% | 1,979 |
| Efficiency ratio | 48.6370% | 4,239 |
| Assets per employee ($millions) | 10.3680% | 585 |
| Cash dividends to net income (ytd only)* | 32.0202% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,175 |
| Loan loss allowance to noncurrent loans | 2,246.3415% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,694 |
| Noncurrent loans to loans | 0.0474% | 3,539 |
| Net loans and leases to total assets | 51.6100% | 3,320 |
| Net loans and leases to deposits | 63.7454% | 2,886 |
| Net loans and leases to core deposits | 86.3270% | 1,514 |
| Total domestic deposits to total assets | 80.9600% | 3,987 |
| Equity capital to assets | 6.6705% | 3,671 |
| Core capital (leverage) ratio | 9.3875% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7706% | 2,143 |
| Memoranda: | ||
| Average total assets | $313,292,750 | 2,400 |
| Average earning assets | $296,982,750 | 2,373 |
| Average equity | $25,023,500 | 2,620 |
| Average total loans | $161,973,000 | 2,532 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 2,037 |
| Cost of funding earning assets | 0.6841% | 172 |
| Net interest margin | 2.8470% | 3,298 |
| Noninterest income to average assets | 0.2503% | 3,674 |
| Noninterest expense to average assets | 1.4641% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4204% | 858 |
| Return on assets (ROA) | 1.4292% | 823 |
| Pretax return on assets | 1.5036% | 1,155 |
| Return on Equity (ROE) | 19.2649% | 364 |
| Retained earnings to average equity (ytd only) | 14.5774% | 307 |
| Net charge-offs to loans | 0.1580% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.1520% | 1,589 |
| Efficiency ratio | 49.4880% | 4,282 |
| Assets per employee ($millions) | 9.7966% | 701 |
| Cash dividends to net income (ytd only)* | 24.3318% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.1764% | 3,248 |
| Net loans and leases to deposits | 60.2309% | 3,031 |
| Net loans and leases to core deposits | 80.9308% | 1,662 |
| Total domestic deposits to total assets | 84.9671% | 3,493 |
| Equity capital to assets | 5.3405% | 4,409 |
| Core capital (leverage) ratio | 9.4933% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2881% | 1,942 |
| Memoranda: | ||
| Average total assets | $303,672,000 | 2,464 |
| Average earning assets | $288,861,000 | 2,437 |
| Average equity | $22,528,000 | 2,855 |
| Average total loans | $158,272,333 | 2,566 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5340% | 1,690 |
| Cost of funding earning assets | 0.6191% | 230 |
| Net interest margin | 2.9149% | 2,787 |
| Noninterest income to average assets | 0.2785% | 3,474 |
| Noninterest expense to average assets | 1.4594% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5272% | 596 |
| Return on assets (ROA) | 1.5450% | 571 |
| Pretax return on assets | 1.6240% | 794 |
| Return on Equity (ROE) | 18.1582% | 325 |
| Retained earnings to average equity (ytd only) | 11.4236% | 704 |
| Net charge-offs to loans | 0.2945% | 215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.4261% | 1,461 |
| Efficiency ratio | 47.6190% | 4,423 |
| Assets per employee ($millions) | 10.2212% | 648 |
| Cash dividends to net income (ytd only)* | 37.0884% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,212 |
| Loan loss allowance to noncurrent loans | 33,583.3333% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,100 |
| Noncurrent loans to loans | 0.0040% | 4,014 |
| Net loans and leases to total assets | 47.1829% | 3,472 |
| Net loans and leases to deposits | 55.2590% | 3,321 |
| Net loans and leases to core deposits | 74.2270% | 1,923 |
| Total domestic deposits to total assets | 85.3852% | 3,445 |
| Equity capital to assets | 7.8108% | 3,721 |
| Core capital (leverage) ratio | 9.7231% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0489% | 1,502 |
| Memoranda: | ||
| Average total assets | $298,762,000 | 2,501 |
| Average earning assets | $285,565,500 | 2,474 |
| Average equity | $25,421,000 | 2,745 |
| Average total loans | $156,189,000 | 2,581 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 2,843 |
| Cost of funding earning assets | 0.7220% | 293 |
| Net interest margin | 2.7114% | 3,851 |
| Noninterest income to average assets | 0.2969% | 3,625 |
| Noninterest expense to average assets | 1.5457% | 4,490 |
| Loan and lease loss provision to assets | 0.0256% | 2,547 |
| Net operating income to assets | 1.2561% | 1,726 |
| Return on assets (ROA) | 1.2912% | 1,673 |
| Pretax return on assets | 1.3571% | 2,183 |
| Return on Equity (ROE) | 14.1877% | 1,132 |
| Retained earnings to average equity (ytd only) | 6.6212% | 2,067 |
| Net charge-offs to loans | -0.0094% | 3,719 |
| Credit loss provision to net charge-offs | -500.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4566% | 3,988 |
| Assets per employee ($millions) | 9.0538% | 903 |
| Cash dividends to net income (ytd only)* | 53.3314% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,250 |
| Loan loss allowance to noncurrent loans | 1,033.9806% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,442 |
| Noncurrent loans to loans | 0.1281% | 3,292 |
| Net loans and leases to total assets | 56.5547% | 2,529 |
| Net loans and leases to deposits | 71.5062% | 1,960 |
| Net loans and leases to core deposits | 84.2275% | 1,314 |
| Total domestic deposits to total assets | 79.0906% | 4,310 |
| Equity capital to assets | 9.2967% | 3,323 |
| Core capital (leverage) ratio | 8.4503% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3854% | 2,494 |
| Memoranda: | ||
| Average total assets | $273,151,200 | 2,581 |
| Average earning assets | $261,374,200 | 2,543 |
| Average equity | $24,859,600 | 2,860 |
| Average total loans | $149,507,600 | 2,638 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4858% | 2,874 |
| Cost of funding earning assets | 0.7685% | 283 |
| Net interest margin | 2.7173% | 3,936 |
| Noninterest income to average assets | 0.3131% | 3,552 |
| Noninterest expense to average assets | 1.5345% | 4,552 |
| Loan and lease loss provision to assets | 0.0343% | 2,313 |
| Net operating income to assets | 1.2804% | 1,884 |
| Return on assets (ROA) | 1.3275% | 1,798 |
| Pretax return on assets | 1.3939% | 2,363 |
| Return on Equity (ROE) | 14.6683% | 1,205 |
| Retained earnings to average equity (ytd only) | 7.0382% | 2,403 |
| Net charge-offs to loans | 0.0073% | 2,049 |
| Credit loss provision to net charge-offs | 875.0000% | 553 |
| Earnings coverage of net charge-offs (x) | 350.6250% | 398 |
| Efficiency ratio | 52.6742% | 3,961 |
| Assets per employee ($millions) | 9.1475% | 847 |
| Cash dividends to net income (ytd only)* | 52.0178% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 1,888 |
| Loan loss allowance to noncurrent loans | 908.6207% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 2,925 |
| Noncurrent loans to loans | 0.1575% | 3,339 |
| Net loans and leases to total assets | 52.9097% | 3,096 |
| Net loans and leases to deposits | 64.4996% | 2,798 |
| Net loans and leases to core deposits | 76.6211% | 1,990 |
| Total domestic deposits to total assets | 82.0311% | 3,923 |
| Equity capital to assets | 9.3151% | 3,542 |
| Core capital (leverage) ratio | 8.4287% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3268% | 2,250 |
| Memoranda: | ||
| Average total assets | $271,272,000 | 2,612 |
| Average earning assets | $259,561,250 | 2,572 |
| Average equity | $24,551,250 | 2,909 |
| Average total loans | $146,669,250 | 2,704 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4168% | 3,132 |
| Cost of funding earning assets | 0.8158% | 274 |
| Net interest margin | 2.6010% | 4,168 |
| Noninterest income to average assets | 0.3471% | 3,374 |
| Noninterest expense to average assets | 1.5239% | 4,600 |
| Loan and lease loss provision to assets | 0.0444% | 2,126 |
| Net operating income to assets | 1.2124% | 2,143 |
| Return on assets (ROA) | 1.2834% | 1,987 |
| Pretax return on assets | 1.3456% | 2,495 |
| Return on Equity (ROE) | 14.3223% | 1,328 |
| Retained earnings to average equity (ytd only) | 6.6408% | 2,567 |
| Net charge-offs to loans | -0.0123% | 3,757 |
| Credit loss provision to net charge-offs | -666.6667% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6757% | 3,842 |
| Assets per employee ($millions) | 8.4054% | 1,037 |
| Cash dividends to net income (ytd only)* | 53.6332% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,776 |
| Loan loss allowance to noncurrent loans | 792.1348% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 3,551 |
| Noncurrent loans to loans | 0.1828% | 3,308 |
| Net loans and leases to total assets | 53.5280% | 3,190 |
| Net loans and leases to deposits | 66.9746% | 2,723 |
| Net loans and leases to core deposits | 80.1180% | 1,880 |
| Total domestic deposits to total assets | 79.9229% | 4,243 |
| Equity capital to assets | 9.2902% | 3,517 |
| Core capital (leverage) ratio | 8.0475% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0628% | 2,344 |
| Memoranda: | ||
| Average total assets | $270,221,333 | 2,610 |
| Average earning assets | $258,898,000 | 2,564 |
| Average equity | $24,214,000 | 2,923 |
| Average total loans | $146,457,333 | 2,724 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2614% | 3,544 |
| Cost of funding earning assets | 0.8497% | 283 |
| Net interest margin | 2.4117% | 4,404 |
| Noninterest income to average assets | 0.3087% | 3,561 |
| Noninterest expense to average assets | 1.4828% | 4,668 |
| Loan and lease loss provision to assets | 0.0443% | 2,183 |
| Net operating income to assets | 1.0413% | 2,664 |
| Return on assets (ROA) | 1.1830% | 2,290 |
| Pretax return on assets | 1.2406% | 2,732 |
| Return on Equity (ROE) | 13.4469% | 1,558 |
| Retained earnings to average equity (ytd only) | 5.9932% | 2,905 |
| Net charge-offs to loans | -0.0082% | 3,594 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6272% | 3,472 |
| Assets per employee ($millions) | 8.6698% | 924 |
| Cash dividends to net income (ytd only)* | 55.4307% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,929 |
| Loan loss allowance to noncurrent loans | 631.9149% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 3,576 |
| Noncurrent loans to loans | 0.2227% | 3,299 |
| Net loans and leases to total assets | 52.5112% | 3,395 |
| Net loans and leases to deposits | 63.8844% | 3,136 |
| Net loans and leases to core deposits | 75.8534% | 2,368 |
| Total domestic deposits to total assets | 82.1972% | 3,851 |
| Equity capital to assets | 8.6720% | 3,981 |
| Core capital (leverage) ratio | 8.1024% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6810% | 2,410 |
| Memoranda: | ||
| Average total assets | $270,845,500 | 2,592 |
| Average earning assets | $259,397,000 | 2,552 |
| Average equity | $23,827,000 | 2,941 |
| Average total loans | $146,640,500 | 2,732 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 3,280 |
| Cost of funding earning assets | 1.0781% | 437 |
| Net interest margin | 2.7297% | 4,347 |
| Noninterest income to average assets | 0.2612% | 3,914 |
| Noninterest expense to average assets | 1.7313% | 4,575 |
| Loan and lease loss provision to assets | 0.0801% | 3,375 |
| Net operating income to assets | 0.9778% | 2,363 |
| Return on assets (ROA) | 1.1301% | 1,924 |
| Pretax return on assets | 1.1902% | 2,360 |
| Return on Equity (ROE) | 13.5091% | 920 |
| Retained earnings to average equity (ytd only) | 5.1336% | 2,220 |
| Net charge-offs to loans | 0.0414% | 2,234 |
| Credit loss provision to net charge-offs | 338.9831% | 1,608 |
| Earnings coverage of net charge-offs (x) | 46.9661% | 1,259 |
| Efficiency ratio | 60.9333% | 3,328 |
| Assets per employee ($millions) | 8.5244% | 883 |
| Cash dividends to net income (ytd only)* | 61.9993% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,947 |
| Loan loss allowance to noncurrent loans | 627.6074% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 3,667 |
| Noncurrent loans to loans | 0.2240% | 3,399 |
| Net loans and leases to total assets | 54.2926% | 3,466 |
| Net loans and leases to deposits | 68.0733% | 3,067 |
| Net loans and leases to core deposits | 81.8699% | 2,205 |
| Total domestic deposits to total assets | 79.7561% | 4,083 |
| Equity capital to assets | 8.9288% | 4,115 |
| Core capital (leverage) ratio | 8.1110% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,632,000 | 2,582 |
| Average earning assets | $235,963,000 | 2,548 |
| Average equity | $20,882,200 | 3,105 |
| Average total loans | $142,529,800 | 2,722 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,134 |
| Cost of funding earning assets | 1.1278% | 478 |
| Net interest margin | 2.8171% | 4,315 |
| Noninterest income to average assets | 0.2634% | 3,888 |
| Noninterest expense to average assets | 1.6765% | 4,656 |
| Loan and lease loss provision to assets | 0.0947% | 3,134 |
| Net operating income to assets | 1.0943% | 2,000 |
| Return on assets (ROA) | 1.1318% | 1,997 |
| Pretax return on assets | 1.1849% | 2,443 |
| Return on Equity (ROE) | 13.7791% | 920 |
| Retained earnings to average equity (ytd only) | 5.4311% | 2,360 |
| Net charge-offs to loans | 0.0273% | 2,286 |
| Credit loss provision to net charge-offs | 603.4483% | 1,159 |
| Earnings coverage of net charge-offs (x) | 78.9310% | 931 |
| Efficiency ratio | 57.4693% | 3,741 |
| Assets per employee ($millions) | 8.1572% | 946 |
| Cash dividends to net income (ytd only)* | 60.5843% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,573 |
| Loan loss allowance to noncurrent loans | 629.1411% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 3,801 |
| Noncurrent loans to loans | 0.2288% | 3,486 |
| Net loans and leases to total assets | 53.7969% | 3,819 |
| Net loans and leases to deposits | 68.7985% | 3,409 |
| Net loans and leases to core deposits | 80.1825% | 2,824 |
| Total domestic deposits to total assets | 78.1948% | 4,167 |
| Equity capital to assets | 8.3086% | 4,570 |
| Core capital (leverage) ratio | 8.5316% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,975,750 | 2,591 |
| Average earning assets | $231,721,250 | 2,565 |
| Average equity | $20,204,000 | 3,165 |
| Average total loans | $141,782,750 | 2,739 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,125 |
| Cost of funding earning assets | 1.1681% | 567 |
| Net interest margin | 2.9023% | 4,303 |
| Noninterest income to average assets | 0.2805% | 3,788 |
| Noninterest expense to average assets | 1.6916% | 4,691 |
| Loan and lease loss provision to assets | 0.1370% | 2,649 |
| Net operating income to assets | 1.1351% | 1,862 |
| Return on assets (ROA) | 1.1919% | 1,791 |
| Pretax return on assets | 1.2484% | 2,190 |
| Return on Equity (ROE) | 14.5718% | 780 |
| Retained earnings to average equity (ytd only) | 6.7988% | 1,738 |
| Net charge-offs to loans | 0.0396% | 1,952 |
| Credit loss provision to net charge-offs | 589.2857% | 1,122 |
| Earnings coverage of net charge-offs (x) | 57.0357% | 1,005 |
| Efficiency ratio | 56.0660% | 3,936 |
| Assets per employee ($millions) | 7.8335% | 1,029 |
| Cash dividends to net income (ytd only)* | 53.3426% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,486 |
| Loan loss allowance to noncurrent loans | 626.3804% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 3,830 |
| Noncurrent loans to loans | 0.2281% | 3,556 |
| Net loans and leases to total assets | 56.2055% | 3,666 |
| Net loans and leases to deposits | 73.1024% | 3,155 |
| Net loans and leases to core deposits | 87.6984% | 2,279 |
| Total domestic deposits to total assets | 76.8860% | 4,327 |
| Equity capital to assets | 8.2511% | 4,609 |
| Core capital (leverage) ratio | 8.5414% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,957,667 | 2,601 |
| Average earning assets | $227,200,667 | 2,573 |
| Average equity | $19,709,333 | 3,205 |
| Average total loans | $141,551,333 | 2,726 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 3,910 |
| Cost of funding earning assets | 1.2148% | 732 |
| Net interest margin | 2.7405% | 4,628 |
| Noninterest income to average assets | 0.3626% | 3,346 |
| Noninterest expense to average assets | 1.7060% | 4,774 |
| Loan and lease loss provision to assets | 0.0424% | 3,250 |
| Net operating income to assets | 1.1434% | 1,709 |
| Return on assets (ROA) | 1.2605% | 1,450 |
| Pretax return on assets | 1.3198% | 1,817 |
| Return on Equity (ROE) | 15.4819% | 486 |
| Retained earnings to average equity (ytd only) | 7.8658% | 1,268 |
| Net charge-offs to loans | 0.0142% | 2,095 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 146.4000% | 438 |
| Efficiency ratio | 57.9068% | 4,011 |
| Assets per employee ($millions) | 8.1027% | 713 |
| Cash dividends to net income (ytd only)* | 49.1935% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,873 |
| Loan loss allowance to noncurrent loans | 521.6802% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 3,847 |
| Noncurrent loans to loans | 0.2602% | 3,561 |
| Net loans and leases to total assets | 57.5534% | 3,709 |
| Net loans and leases to deposits | 71.8877% | 3,434 |
| Net loans and leases to core deposits | 83.6084% | 2,883 |
| Total domestic deposits to total assets | 80.0602% | 3,847 |
| Equity capital to assets | 7.6369% | 5,024 |
| Core capital (leverage) ratio | 9.0508% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,101,000 | 2,588 |
| Average earning assets | $222,591,000 | 2,552 |
| Average equity | $19,222,500 | 3,251 |
| Average total loans | $140,860,500 | 2,719 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 4,049 |
| Cost of funding earning assets | 1.2274% | 952 |
| Net interest margin | 2.8690% | 4,685 |
| Noninterest income to average assets | 0.2477% | 4,194 |
| Noninterest expense to average assets | 1.7603% | 4,817 |
| Loan and lease loss provision to assets | 0.0399% | 3,217 |
| Net operating income to assets | 1.0759% | 2,543 |
| Return on assets (ROA) | 1.2341% | 2,019 |
| Pretax return on assets | 1.3024% | 2,497 |
| Return on Equity (ROE) | 14.3900% | 819 |
| Retained earnings to average equity (ytd only) | 5.0178% | 2,401 |
| Net charge-offs to loans | -0.0403% | 4,782 |
| Credit loss provision to net charge-offs | -164.1509% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9531% | 3,705 |
| Assets per employee ($millions) | 7.9007% | 744 |
| Cash dividends to net income (ytd only)* | 65.1301% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 1,666 |
| Loan loss allowance to noncurrent loans | 803.7975% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 4,033 |
| Noncurrent loans to loans | 0.1694% | 3,853 |
| Net loans and leases to total assets | 60.2256% | 3,567 |
| Net loans and leases to deposits | 75.1055% | 3,249 |
| Net loans and leases to core deposits | 87.0747% | 2,701 |
| Total domestic deposits to total assets | 80.1881% | 3,937 |
| Equity capital to assets | 8.6771% | 4,840 |
| Core capital (leverage) ratio | 9.2362% | 4,332 |
| Tier 1 risk-based capital ratio | 12.0634% | 4,326 |
| Total risk-based capital ratio | 13.2090% | 4,264 |
| Memoranda: | ||
| Average total assets | $217,974,200 | 2,679 |
| Average earning assets | $204,251,400 | 2,664 |
| Average equity | $18,693,600 | 3,258 |
| Average total loans | $131,465,000 | 2,809 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 4,112 |
| Cost of funding earning assets | 1.2251% | 967 |
| Net interest margin | 2.8934% | 4,766 |
| Noninterest income to average assets | 0.2528% | 4,226 |
| Noninterest expense to average assets | 1.7770% | 4,848 |
| Loan and lease loss provision to assets | 0.0229% | 3,444 |
| Net operating income to assets | 1.1104% | 2,535 |
| Return on assets (ROA) | 1.1723% | 2,379 |
| Pretax return on assets | 1.2274% | 2,891 |
| Return on Equity (ROE) | 13.7122% | 1,046 |
| Retained earnings to average equity (ytd only) | 3.9136% | 3,448 |
| Net charge-offs to loans | -0.0618% | 4,886 |
| Credit loss provision to net charge-offs | -61.6667% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9749% | 3,654 |
| Assets per employee ($millions) | 7.6359% | 799 |
| Cash dividends to net income (ytd only)* | 71.4588% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,404 |
| Loan loss allowance to noncurrent loans | 172.0887% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 2,496 |
| Noncurrent loans to loans | 0.8411% | 1,898 |
| Net loans and leases to total assets | 57.2547% | 3,947 |
| Net loans and leases to deposits | 68.9309% | 3,846 |
| Net loans and leases to core deposits | 79.2541% | 3,446 |
| Total domestic deposits to total assets | 83.0610% | 3,147 |
| Equity capital to assets | 8.7481% | 4,897 |
| Core capital (leverage) ratio | 9.3077% | 4,360 |
| Tier 1 risk-based capital ratio | 12.7428% | 3,998 |
| Total risk-based capital ratio | 13.9496% | 3,901 |
| Memoranda: | ||
| Average total assets | $215,187,750 | 2,724 |
| Average earning assets | $201,559,750 | 2,718 |
| Average equity | $18,396,750 | 3,311 |
| Average total loans | $129,357,750 | 2,863 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 4,098 |
| Cost of funding earning assets | 1.1988% | 1,002 |
| Net interest margin | 2.9275% | 4,785 |
| Noninterest income to average assets | 0.2572% | 4,213 |
| Noninterest expense to average assets | 1.7851% | 4,893 |
| Loan and lease loss provision to assets | 0.0328% | 3,173 |
| Net operating income to assets | 1.1352% | 2,389 |
| Return on assets (ROA) | 1.1262% | 2,495 |
| Pretax return on assets | 1.1778% | 2,986 |
| Return on Equity (ROE) | 13.2805% | 1,165 |
| Retained earnings to average equity (ytd only) | 3.4087% | 3,537 |
| Net charge-offs to loans | -0.1512% | 5,083 |
| Credit loss provision to net charge-offs | -35.7143% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4004% | 3,811 |
| Assets per employee ($millions) | 6.6822% | 1,144 |
| Cash dividends to net income (ytd only)* | 74.3333% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,352 |
| Loan loss allowance to noncurrent loans | 606.3898% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 4,029 |
| Noncurrent loans to loans | 0.2430% | 3,668 |
| Net loans and leases to total assets | 59.3551% | 3,798 |
| Net loans and leases to deposits | 72.7517% | 3,618 |
| Net loans and leases to core deposits | 84.9167% | 3,037 |
| Total domestic deposits to total assets | 81.5858% | 3,642 |
| Equity capital to assets | 9.0193% | 4,784 |
| Core capital (leverage) ratio | 9.2647% | 4,392 |
| Tier 1 risk-based capital ratio | 13.1006% | 3,786 |
| Total risk-based capital ratio | 14.3507% | 3,696 |
| Memoranda: | ||
| Average total assets | $213,103,000 | 2,754 |
| Average earning assets | $200,034,330 | 2,740 |
| Average equity | $18,071,670 | 3,346 |
| Average total loans | $129,594,330 | 2,874 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 4,227 |
| Cost of funding earning assets | 1.1545% | 1,031 |
| Net interest margin | 2.9092% | 4,868 |
| Noninterest income to average assets | 0.2651% | 4,110 |
| Noninterest expense to average assets | 1.7073% | 5,013 |
| Loan and lease loss provision to assets | 0.0470% | 2,706 |
| Net operating income to assets | 1.1921% | 2,091 |
| Return on assets (ROA) | 1.1921% | 2,139 |
| Pretax return on assets | 1.2447% | 2,649 |
| Return on Equity (ROE) | 14.5209% | 851 |
| Retained earnings to average equity (ytd only) | 6.1382% | 2,395 |
| Net charge-offs to loans | -0.0369% | 4,727 |
| Credit loss provision to net charge-offs | -208.3333% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9279% | 4,222 |
| Assets per employee ($millions) | 6.6166% | 1,185 |
| Cash dividends to net income (ytd only)* | 57.7287% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,679 |
| Loan loss allowance to noncurrent loans | 557.8947% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 4,043 |
| Noncurrent loans to loans | 0.2508% | 3,668 |
| Net loans and leases to total assets | 59.9813% | 3,713 |
| Net loans and leases to deposits | 71.0540% | 3,686 |
| Net loans and leases to core deposits | 82.5859% | 3,142 |
| Total domestic deposits to total assets | 84.4165% | 2,890 |
| Equity capital to assets | 8.3200% | 5,076 |
| Core capital (leverage) ratio | 9.3389% | 4,331 |
| Tier 1 risk-based capital ratio | 12.9944% | 3,880 |
| Total risk-based capital ratio | 14.2020% | 3,800 |
| Memoranda: | ||
| Average total assets | $212,739,500 | 2,785 |
| Average earning assets | $199,918,500 | 2,764 |
| Average equity | $17,464,500 | 3,425 |
| Average total loans | $129,983,000 | 2,903 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,279 |
| Cost of funding earning assets | 0.9553% | 908 |
| Net interest margin | 2.9434% | 4,861 |
| Noninterest income to average assets | 0.3014% | 4,090 |
| Noninterest expense to average assets | 1.8378% | 4,967 |
| Loan and lease loss provision to assets | 0.0382% | 3,438 |
| Net operating income to assets | 1.1313% | 2,466 |
| Return on assets (ROA) | 1.1510% | 2,382 |
| Pretax return on assets | 1.2021% | 2,872 |
| Return on Equity (ROE) | 14.7615% | 885 |
| Retained earnings to average equity (ytd only) | 5.6229% | 2,400 |
| Net charge-offs to loans | -0.0124% | 4,554 |
| Credit loss provision to net charge-offs | -533.3333% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1062% | 3,844 |
| Assets per employee ($millions) | 6.4772% | 1,227 |
| Cash dividends to net income (ytd only)* | 61.9087% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 1,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.5386% | 3,710 |
| Net loans and leases to deposits | 72.3483% | 3,639 |
| Net loans and leases to core deposits | 84.1095% | 3,083 |
| Total domestic deposits to total assets | 83.6766% | 3,092 |
| Equity capital to assets | 8.0997% | 5,128 |
| Core capital (leverage) ratio | 9.1042% | 4,556 |
| Tier 1 risk-based capital ratio | 12.2695% | 4,252 |
| Total risk-based capital ratio | 13.4020% | 4,213 |
| Memoranda: | ||
| Average total assets | $209,378,800 | 2,772 |
| Average earning assets | $196,062,600 | 2,751 |
| Average equity | $16,326,200 | 3,486 |
| Average total loans | $120,545,400 | 2,985 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 4,414 |
| Cost of funding earning assets | 0.9040% | 904 |
| Net interest margin | 2.9067% | 4,964 |
| Noninterest income to average assets | 0.3143% | 4,052 |
| Noninterest expense to average assets | 1.8679% | 4,955 |
| Loan and lease loss provision to assets | 0.0320% | 3,380 |
| Net operating income to assets | 1.0887% | 2,716 |
| Return on assets (ROA) | 1.1151% | 2,616 |
| Pretax return on assets | 1.1650% | 3,138 |
| Return on Equity (ROE) | 14.4445% | 998 |
| Retained earnings to average equity (ytd only) | 5.5058% | 2,945 |
| Net charge-offs to loans | -0.0091% | 4,366 |
| Credit loss provision to net charge-offs | -625.0000% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4963% | 3,582 |
| Assets per employee ($millions) | 6.3831% | 1,243 |
| Cash dividends to net income (ytd only)* | 61.8830% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,713 |
| Loan loss allowance to noncurrent loans | 12,342.8571% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,991 |
| Noncurrent loans to loans | 0.0113% | 4,867 |
| Net loans and leases to total assets | 57.9082% | 4,053 |
| Net loans and leases to deposits | 69.4455% | 3,964 |
| Net loans and leases to core deposits | 81.5591% | 3,360 |
| Total domestic deposits to total assets | 83.3865% | 3,168 |
| Equity capital to assets | 7.6642% | 5,276 |
| Core capital (leverage) ratio | 9.2176% | 4,496 |
| Tier 1 risk-based capital ratio | 12.8667% | 3,984 |
| Total risk-based capital ratio | 14.0453% | 3,924 |
| Memoranda: | ||
| Average total assets | $208,286,500 | 2,810 |
| Average earning assets | $195,131,500 | 2,784 |
| Average equity | $16,079,500 | 3,537 |
| Average total loans | $117,890,500 | 3,043 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,543 |
| Cost of funding earning assets | 0.8680% | 837 |
| Net interest margin | 2.8496% | 5,073 |
| Noninterest income to average assets | 0.3470% | 3,850 |
| Noninterest expense to average assets | 1.9142% | 4,939 |
| Loan and lease loss provision to assets | 0.0289% | 3,332 |
| Net operating income to assets | 1.0310% | 2,888 |
| Return on assets (ROA) | 1.0708% | 2,712 |
| Pretax return on assets | 1.1190% | 3,238 |
| Return on Equity (ROE) | 13.8373% | 1,120 |
| Retained earnings to average equity (ytd only) | 5.2559% | 2,957 |
| Net charge-offs to loans | -0.0017% | 3,931 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3695% | 3,401 |
| Assets per employee ($millions) | 6.3141% | 1,263 |
| Cash dividends to net income (ytd only)* | 62.0162% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.9094% | 3,999 |
| Net loans and leases to deposits | 69.8610% | 3,872 |
| Net loans and leases to core deposits | 79.2053% | 3,482 |
| Total domestic deposits to total assets | 82.8924% | 3,438 |
| Equity capital to assets | 8.0871% | 5,196 |
| Core capital (leverage) ratio | 8.9124% | 4,764 |
| Tier 1 risk-based capital ratio | 12.9242% | 3,934 |
| Total risk-based capital ratio | 14.1046% | 3,893 |
| Memoranda: | ||
| Average total assets | $207,501,330 | 2,835 |
| Average earning assets | $194,691,330 | 2,804 |
| Average equity | $16,058,000 | 3,558 |
| Average total loans | $115,951,670 | 3,082 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 4,764 |
| Cost of funding earning assets | 0.8368% | 807 |
| Net interest margin | 2.7334% | 5,230 |
| Noninterest income to average assets | 0.3996% | 3,472 |
| Noninterest expense to average assets | 2.0188% | 4,815 |
| Loan and lease loss provision to assets | 0.0285% | 3,140 |
| Net operating income to assets | 0.8774% | 3,377 |
| Return on assets (ROA) | 1.0198% | 2,799 |
| Pretax return on assets | 1.0674% | 3,292 |
| Return on Equity (ROE) | 13.4699% | 1,143 |
| Retained earnings to average equity (ytd only) | 5.1769% | 3,084 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0564% | 2,828 |
| Assets per employee ($millions) | 7.1186% | 918 |
| Cash dividends to net income (ytd only)* | 61.5672% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.3392% | 4,413 |
| Net loans and leases to deposits | 62.6701% | 4,291 |
| Net loans and leases to core deposits | 71.4914% | 4,006 |
| Total domestic deposits to total assets | 83.5154% | 3,497 |
| Equity capital to assets | 7.4331% | 5,440 |
| Core capital (leverage) ratio | 9.0001% | 4,678 |
| Tier 1 risk-based capital ratio | 13.0235% | 3,933 |
| Total risk-based capital ratio | 14.2156% | 3,866 |
| Memoranda: | ||
| Average total assets | $210,227,000 | 2,844 |
| Average earning assets | $197,410,500 | 2,812 |
| Average equity | $15,917,000 | 3,600 |
| Average total loans | $114,574,000 | 3,128 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,739 |
| Cost of funding earning assets | 0.8031% | 611 |
| Net interest margin | 2.7259% | 5,252 |
| Noninterest income to average assets | 0.2531% | 4,618 |
| Noninterest expense to average assets | 1.8375% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9375% | 2,505 |
| Return on assets (ROA) | 0.9920% | 2,319 |
| Pretax return on assets | 1.0339% | 3,442 |
| Return on Equity (ROE) | 13.3027% | 881 |
| Retained earnings to average equity (ytd only) | 6.2115% | 1,430 |
| Net charge-offs to loans | -0.0344% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2822% | 3,387 |
| Assets per employee ($millions) | 7.1344% | 919 |
| Cash dividends to net income (ytd only)* | 53.3068% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.1091% | 4,263 |
| Net loans and leases to deposits | 66.9051% | 4,113 |
| Net loans and leases to core deposits | 76.0979% | 3,734 |
| Total domestic deposits to total assets | 82.3690% | 3,767 |
| Equity capital to assets | 7.7140% | 5,481 |
| Core capital (leverage) ratio | 8.9270% | 4,732 |
| Tier 1 risk-based capital ratio | 12.5032% | 4,204 |
| Total risk-based capital ratio | 13.6503% | 4,174 |
| Memoranda: | ||
| Average total assets | $202,723,000 | 2,901 |
| Average earning assets | $190,504,000 | 2,856 |
| Average equity | $15,117,200 | 3,711 |
| Average total loans | $107,416,200 | 3,222 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 4,825 |
| Cost of funding earning assets | 0.7915% | 605 |
| Net interest margin | 2.7028% | 5,318 |
| Noninterest income to average assets | 0.2585% | 4,652 |
| Noninterest expense to average assets | 1.8511% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9081% | 2,991 |
| Return on assets (ROA) | 0.9811% | 2,694 |
| Pretax return on assets | 1.0254% | 3,585 |
| Return on Equity (ROE) | 13.2735% | 993 |
| Retained earnings to average equity (ytd only) | 7.0303% | 1,677 |
| Net charge-offs to loans | -0.0405% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1001% | 3,191 |
| Assets per employee ($millions) | 6.8240% | 1,019 |
| Cash dividends to net income (ytd only)* | 47.0348% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,535 |
| Loan loss allowance to noncurrent loans | 4,269.2308% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,155 |
| Noncurrent loans to loans | 0.0351% | 4,961 |
| Net loans and leases to total assets | 53.4293% | 4,462 |
| Net loans and leases to deposits | 65.1304% | 4,309 |
| Net loans and leases to core deposits | 75.5267% | 3,836 |
| Total domestic deposits to total assets | 82.0344% | 3,769 |
| Equity capital to assets | 7.8527% | 5,556 |
| Core capital (leverage) ratio | 8.9818% | 4,763 |
| Tier 1 risk-based capital ratio | 13.1995% | 3,878 |
| Total risk-based capital ratio | 14.4171% | 3,807 |
| Memoranda: | ||
| Average total assets | $201,679,500 | 2,937 |
| Average earning assets | $189,674,000 | 2,897 |
| Average equity | $14,906,500 | 3,764 |
| Average total loans | $105,348,000 | 3,281 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 4,888 |
| Cost of funding earning assets | 0.7704% | 615 |
| Net interest margin | 2.6756% | 5,385 |
| Noninterest income to average assets | 0.2661% | 4,637 |
| Noninterest expense to average assets | 1.8897% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8545% | 3,137 |
| Return on assets (ROA) | 0.9349% | 2,803 |
| Pretax return on assets | 0.9767% | 3,651 |
| Return on Equity (ROE) | 12.9231% | 1,053 |
| Retained earnings to average equity (ytd only) | 7.7153% | 1,279 |
| Net charge-offs to loans | -0.0251% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9083% | 3,028 |
| Assets per employee ($millions) | 6.5153% | 1,143 |
| Cash dividends to net income (ytd only)* | 40.2985% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,427 |
| Loan loss allowance to noncurrent loans | 4,220.5128% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,208 |
| Noncurrent loans to loans | 0.0365% | 5,009 |
| Net loans and leases to total assets | 52.0555% | 4,566 |
| Net loans and leases to deposits | 63.1414% | 4,423 |
| Net loans and leases to core deposits | 74.8771% | 3,867 |
| Total domestic deposits to total assets | 82.4427% | 3,753 |
| Equity capital to assets | 7.7798% | 5,601 |
| Core capital (leverage) ratio | 8.9284% | 4,804 |
| Tier 1 risk-based capital ratio | 13.3918% | 3,753 |
| Total risk-based capital ratio | 14.6286% | 3,676 |
| Memoranda: | ||
| Average total assets | $200,666,330 | 2,963 |
| Average earning assets | $188,739,670 | 2,924 |
| Average equity | $14,516,670 | 3,819 |
| Average total loans | $103,449,000 | 3,328 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 5,048 |
| Cost of funding earning assets | 0.7472% | 667 |
| Net interest margin | 2.5949% | 5,470 |
| Noninterest income to average assets | 0.2920% | 4,468 |
| Noninterest expense to average assets | 1.8279% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8599% | 2,945 |
| Return on assets (ROA) | 0.8599% | 2,989 |
| Pretax return on assets | 0.9019% | 3,763 |
| Return on Equity (ROE) | 12.3577% | 1,149 |
| Retained earnings to average equity (ytd only) | 9.1964% | 1,019 |
| Net charge-offs to loans | -0.0118% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9597% | 3,347 |
| Assets per employee ($millions) | 6.7732% | 1,048 |
| Cash dividends to net income (ytd only)* | 25.5814% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 49.6176% | 4,703 |
| Net loans and leases to deposits | 58.7645% | 4,644 |
| Net loans and leases to core deposits | 66.1104% | 4,420 |
| Total domestic deposits to total assets | 84.4347% | 3,315 |
| Equity capital to assets | 6.9814% | 5,757 |
| Core capital (leverage) ratio | 9.0133% | 4,719 |
| Tier 1 risk-based capital ratio | 13.4364% | 3,813 |
| Total risk-based capital ratio | 14.6858% | 3,732 |
| Memoranda: | ||
| Average total assets | $200,013,000 | 2,997 |
| Average earning assets | $187,904,500 | 2,962 |
| Average equity | $13,918,500 | 3,934 |
| Average total loans | $101,781,500 | 3,388 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3334% | 5,112 |
| Cost of funding earning assets | 0.7483% | 642 |
| Net interest margin | 2.5852% | 5,529 |
| Noninterest income to average assets | 0.2888% | 4,670 |
| Noninterest expense to average assets | 1.9893% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6980% | 3,795 |
| Return on assets (ROA) | 0.8198% | 3,311 |
| Pretax return on assets | 0.8553% | 3,991 |
| Return on Equity (ROE) | 11.7126% | 1,335 |
| Retained earnings to average equity (ytd only) | 4.0468% | 3,039 |
| Net charge-offs to loans | 0.0428% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,300 |
| Efficiency ratio | 73.1976% | 2,392 |
| Assets per employee ($millions) | 6.5610% | 1,123 |
| Cash dividends to net income (ytd only)* | 65.4489% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,335 |
| Loan loss allowance to noncurrent loans | 14,845.4545% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,406 |
| Noncurrent loans to loans | 0.0109% | 5,247 |
| Net loans and leases to total assets | 50.5375% | 4,723 |
| Net loans and leases to deposits | 61.6401% | 4,565 |
| Net loans and leases to core deposits | 68.2978% | 4,377 |
| Total domestic deposits to total assets | 81.9880% | 4,078 |
| Equity capital to assets | 6.9354% | 5,807 |
| Core capital (leverage) ratio | 8.9287% | 4,824 |
| Tier 1 risk-based capital ratio | 12.6816% | 4,276 |
| Total risk-based capital ratio | 13.8812% | 4,195 |
| Memoranda: | ||
| Average total assets | $197,004,400 | 2,987 |
| Average earning assets | $185,095,600 | 2,953 |
| Average equity | $13,788,600 | 3,967 |
| Average total loans | $95,715,400 | 3,468 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3368% | 5,150 |
| Cost of funding earning assets | 0.7452% | 651 |
| Net interest margin | 2.5916% | 5,591 |
| Noninterest income to average assets | 0.2916% | 4,681 |
| Noninterest expense to average assets | 2.0502% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6489% | 4,088 |
| Return on assets (ROA) | 0.8113% | 3,455 |
| Pretax return on assets | 0.8485% | 4,160 |
| Return on Equity (ROE) | 11.5650% | 1,471 |
| Retained earnings to average equity (ytd only) | 3.8678% | 3,548 |
| Net charge-offs to loans | 0.0311% | 3,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 45.6403% | 1,142 |
| Efficiency ratio | 75.1116% | 2,089 |
| Assets per employee ($millions) | 6.2883% | 1,242 |
| Cash dividends to net income (ytd only)* | 66.5551% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 1,066 |
| Loan loss allowance to noncurrent loans | 130.0787% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 2,948 |
| Noncurrent loans to loans | 1.3621% | 1,621 |
| Net loans and leases to total assets | 46.9821% | 5,022 |
| Net loans and leases to deposits | 56.5811% | 4,959 |
| Net loans and leases to core deposits | 64.9281% | 4,672 |
| Total domestic deposits to total assets | 83.0349% | 3,582 |
| Equity capital to assets | 7.2219% | 5,871 |
| Core capital (leverage) ratio | 9.1609% | 4,648 |
| Tier 1 risk-based capital ratio | 13.5583% | 3,827 |
| Total risk-based capital ratio | 14.8089% | 3,737 |
| Memoranda: | ||
| Average total assets | $197,048,000 | 3,001 |
| Average earning assets | $185,362,250 | 2,962 |
| Average equity | $13,823,000 | 3,999 |
| Average total loans | $94,367,750 | 3,506 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 5,219 |
| Cost of funding earning assets | 0.7371% | 673 |
| Net interest margin | 2.5948% | 5,670 |
| Noninterest income to average assets | 0.3044% | 4,614 |
| Noninterest expense to average assets | 1.9681% | 5,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7438% | 3,576 |
| Return on assets (ROA) | 0.8293% | 3,312 |
| Pretax return on assets | 0.8688% | 4,051 |
| Return on Equity (ROE) | 11.9377% | 1,348 |
| Retained earnings to average equity (ytd only) | 4.1636% | 3,258 |
| Net charge-offs to loans | 0.0486% | 2,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.4783% | 1,307 |
| Efficiency ratio | 71.6495% | 2,724 |
| Assets per employee ($millions) | 5.9394% | 1,439 |
| Cash dividends to net income (ytd only)* | 65.1220% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 1,232 |
| Loan loss allowance to noncurrent loans | 164.4422% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 3,503 |
| Noncurrent loans to loans | 1.0467% | 2,190 |
| Net loans and leases to total assets | 48.0964% | 4,988 |
| Net loans and leases to deposits | 59.5148% | 4,825 |
| Net loans and leases to core deposits | 70.0166% | 4,324 |
| Total domestic deposits to total assets | 80.8143% | 4,327 |
| Equity capital to assets | 7.3673% | 5,934 |
| Core capital (leverage) ratio | 8.8209% | 5,032 |
| Tier 1 risk-based capital ratio | 13.1406% | 4,110 |
| Total risk-based capital ratio | 14.3902% | 4,037 |
| Memoranda: | ||
| Average total assets | $197,752,000 | 3,002 |
| Average earning assets | $186,142,330 | 2,973 |
| Average equity | $13,738,000 | 4,028 |
| Average total loans | $94,744,670 | 3,506 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2995% | 5,323 |
| Cost of funding earning assets | 0.7306% | 688 |
| Net interest margin | 2.5689% | 5,747 |
| Noninterest income to average assets | 0.3504% | 4,225 |
| Noninterest expense to average assets | 2.0158% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7158% | 3,633 |
| Return on assets (ROA) | 0.8861% | 2,949 |
| Pretax return on assets | 0.9284% | 3,737 |
| Return on Equity (ROE) | 13.1471% | 1,003 |
| Retained earnings to average equity (ytd only) | 5.3485% | 2,742 |
| Net charge-offs to loans | 0.0085% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 329 |
| Efficiency ratio | 72.9060% | 2,661 |
| Assets per employee ($millions) | 5.8852% | 1,500 |
| Cash dividends to net income (ytd only)* | 59.3182% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 1,267 |
| Loan loss allowance to noncurrent loans | 12,861.5385% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 5,651 |
| Noncurrent loans to loans | 0.0135% | 5,467 |
| Net loans and leases to total assets | 47.2176% | 5,029 |
| Net loans and leases to deposits | 56.1638% | 4,973 |
| Net loans and leases to core deposits | 66.8911% | 4,478 |
| Total domestic deposits to total assets | 84.0712% | 3,490 |
| Equity capital to assets | 6.6088% | 6,036 |
| Core capital (leverage) ratio | 8.7093% | 5,161 |
| Tier 1 risk-based capital ratio | 13.0071% | 4,264 |
| Total risk-based capital ratio | 14.2573% | 4,176 |
| Memoranda: | ||
| Average total assets | $198,628,000 | 3,002 |
| Average earning assets | $186,692,500 | 2,975 |
| Average equity | $13,387,000 | 4,106 |
| Average total loans | $94,157,000 | 3,533 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3457% | 5,263 |
| Cost of funding earning assets | 0.6914% | 858 |
| Net interest margin | 2.6543% | 5,701 |
| Noninterest income to average assets | 0.2584% | 5,043 |
| Noninterest expense to average assets | 2.1225% | 5,211 |
| Loan and lease loss provision to assets | -0.0735% | 5,797 |
| Net operating income to assets | 0.6610% | 3,989 |
| Return on assets (ROA) | 0.7548% | 3,645 |
| Pretax return on assets | 0.7926% | 4,215 |
| Return on Equity (ROE) | 11.0729% | 1,588 |
| Retained earnings to average equity (ytd only) | 2.7047% | 4,143 |
| Net charge-offs to loans | -0.1829% | 5,943 |
| Credit loss provision to net charge-offs | 89.7436% | 2,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3841% | 2,065 |
| Assets per employee ($millions) | 5.9745% | 1,408 |
| Cash dividends to net income (ytd only)* | 75.5741% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8164% | 1,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 45.8954% | 5,169 |
| Net loans and leases to deposits | 55.8658% | 5,051 |
| Net loans and leases to core deposits | 65.8490% | 4,606 |
| Total domestic deposits to total assets | 82.1530% | 4,130 |
| Equity capital to assets | 6.8726% | 6,070 |
| Core capital (leverage) ratio | 8.7241% | 5,189 |
| Tier 1 risk-based capital ratio | 13.1077% | 4,239 |
| Total risk-based capital ratio | 14.3583% | 4,159 |
| Memoranda: | ||
| Average total assets | $190,390,400 | 3,046 |
| Average earning assets | $178,198,400 | 3,016 |
| Average equity | $12,977,600 | 4,148 |
| Average total loans | $85,294,600 | 3,693 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3445% | 5,334 |
| Cost of funding earning assets | 0.6728% | 969 |
| Net interest margin | 2.6717% | 5,758 |
| Noninterest income to average assets | 0.2636% | 5,052 |
| Noninterest expense to average assets | 2.1706% | 5,125 |
| Loan and lease loss provision to assets | -0.0777% | 5,967 |
| Net operating income to assets | 0.6349% | 4,216 |
| Return on assets (ROA) | 0.7624% | 3,719 |
| Pretax return on assets | 0.8048% | 4,325 |
| Return on Equity (ROE) | 11.2091% | 1,623 |
| Retained earnings to average equity (ytd only) | 1.9427% | 4,909 |
| Net charge-offs to loans | -0.2457% | 6,047 |
| Credit loss provision to net charge-offs | 71.4286% | 2,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5477% | 1,884 |
| Assets per employee ($millions) | 5.9911% | 1,379 |
| Cash dividends to net income (ytd only)* | 82.6689% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0133% | 899 |
| Loan loss allowance to noncurrent loans | 170,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,835 |
| Noncurrent loans to loans | 0.0012% | 5,674 |
| Net loans and leases to total assets | 44.6017% | 5,319 |
| Net loans and leases to deposits | 53.0745% | 5,311 |
| Net loans and leases to core deposits | 59.0357% | 5,128 |
| Total domestic deposits to total assets | 84.0360% | 3,407 |
| Equity capital to assets | 6.4321% | 6,182 |
| Core capital (leverage) ratio | 8.8654% | 5,161 |
| Tier 1 risk-based capital ratio | 14.1653% | 3,753 |
| Total risk-based capital ratio | 15.4176% | 3,684 |
| Memoranda: | ||
| Average total assets | $188,698,250 | 3,093 |
| Average earning assets | $176,561,750 | 3,059 |
| Average equity | $12,834,500 | 4,211 |
| Average total loans | $83,578,000 | 3,764 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 5,391 |
| Cost of funding earning assets | 0.6649% | 1,023 |
| Net interest margin | 2.6596% | 5,813 |
| Noninterest income to average assets | 0.2741% | 4,989 |
| Noninterest expense to average assets | 2.1772% | 5,169 |
| Loan and lease loss provision to assets | -0.0580% | 6,041 |
| Net operating income to assets | 0.6056% | 4,322 |
| Return on assets (ROA) | 0.7939% | 3,514 |
| Pretax return on assets | 0.8435% | 4,149 |
| Return on Equity (ROE) | 11.4693% | 1,531 |
| Retained earnings to average equity (ytd only) | 3.1682% | 4,041 |
| Net charge-offs to loans | -0.3747% | 6,160 |
| Credit loss provision to net charge-offs | 35.2564% | 2,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8168% | 1,944 |
| Assets per employee ($millions) | 6.1021% | 1,276 |
| Cash dividends to net income (ytd only)* | 72.3772% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 845 |
| Loan loss allowance to noncurrent loans | 7,647.8261% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 4,736 |
| Noncurrent loans to loans | 0.0276% | 5,651 |
| Net loans and leases to total assets | 44.5772% | 5,349 |
| Net loans and leases to deposits | 53.8345% | 5,266 |
| Net loans and leases to core deposits | 60.3732% | 5,047 |
| Total domestic deposits to total assets | 82.8042% | 4,030 |
| Equity capital to assets | 6.7698% | 6,227 |
| Core capital (leverage) ratio | 8.8205% | 5,202 |
| Tier 1 risk-based capital ratio | 13.9542% | 3,957 |
| Total risk-based capital ratio | 15.2067% | 3,890 |
| Memoranda: | ||
| Average total assets | $189,689,670 | 3,102 |
| Average earning assets | $177,472,330 | 3,072 |
| Average equity | $13,130,670 | 4,182 |
| Average total loans | $83,258,000 | 3,794 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3145% | 5,413 |
| Cost of funding earning assets | 0.6417% | 1,171 |
| Net interest margin | 2.6728% | 5,839 |
| Noninterest income to average assets | 0.3067% | 4,734 |
| Noninterest expense to average assets | 2.1989% | 5,147 |
| Loan and lease loss provision to assets | -0.0933% | 6,200 |
| Net operating income to assets | 0.6557% | 4,021 |
| Return on assets (ROA) | 0.8311% | 3,235 |
| Pretax return on assets | 0.8932% | 3,916 |
| Return on Equity (ROE) | 11.8819% | 1,383 |
| Retained earnings to average equity (ytd only) | 5.3632% | 2,856 |
| Net charge-offs to loans | -0.7451% | 6,293 |
| Credit loss provision to net charge-offs | 29.0323% | 2,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2448% | 2,152 |
| Assets per employee ($millions) | 6.4009% | 1,140 |
| Cash dividends to net income (ytd only)* | 54.8628% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2372% | 765 |
| Loan loss allowance to noncurrent loans | 7,366.6667% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 4,856 |
| Noncurrent loans to loans | 0.0304% | 5,675 |
| Net loans and leases to total assets | 40.2336% | 5,586 |
| Net loans and leases to deposits | 47.4926% | 5,588 |
| Net loans and leases to core deposits | 53.4295% | 5,398 |
| Total domestic deposits to total assets | 84.7156% | 3,536 |
| Equity capital to assets | 6.9142% | 6,268 |
| Core capital (leverage) ratio | 8.7376% | 5,283 |
| Tier 1 risk-based capital ratio | 14.7150% | 3,595 |
| Total risk-based capital ratio | 15.9686% | 3,522 |
| Memoranda: | ||
| Average total assets | $193,003,500 | 3,081 |
| Average earning assets | $180,783,500 | 3,061 |
| Average equity | $13,499,500 | 4,147 |
| Average total loans | $83,205,500 | 3,816 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 5,254 |
| Cost of funding earning assets | 0.6966% | 1,131 |
| Net interest margin | 2.8314% | 5,761 |
| Noninterest income to average assets | 0.2759% | 5,142 |
| Noninterest expense to average assets | 2.3596% | 4,946 |
| Loan and lease loss provision to assets | -0.1823% | 6,275 |
| Net operating income to assets | 0.6965% | 3,908 |
| Return on assets (ROA) | 1.1216% | 1,955 |
| Pretax return on assets | 1.1874% | 2,706 |
| Return on Equity (ROE) | 16.9865% | 493 |
| Retained earnings to average equity (ytd only) | 10.1375% | 493 |
| Net charge-offs to loans | -0.8389% | 6,440 |
| Credit loss provision to net charge-offs | 50.9119% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0164% | 1,769 |
| Assets per employee ($millions) | 6.4660% | 1,068 |
| Cash dividends to net income (ytd only)* | 40.3202% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 1,318 |
| Loan loss allowance to noncurrent loans | 9,211.1111% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 4,961 |
| Noncurrent loans to loans | 0.0206% | 5,806 |
| Net loans and leases to total assets | 44.1930% | 5,448 |
| Net loans and leases to deposits | 58.0394% | 5,062 |
| Net loans and leases to core deposits | 62.3235% | 4,978 |
| Total domestic deposits to total assets | 76.1430% | 5,710 |
| Equity capital to assets | 7.0739% | 6,319 |
| Core capital (leverage) ratio | 8.8340% | 5,207 |
| Tier 1 risk-based capital ratio | 13.2201% | 4,575 |
| Total risk-based capital ratio | 14.4720% | 4,498 |
| Memoranda: | ||
| Average total assets | $183,763,200 | 3,167 |
| Average earning assets | $171,115,400 | 3,144 |
| Average equity | $12,133,200 | 4,332 |
| Average total loans | $78,437,600 | 3,922 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 5,189 |
| Cost of funding earning assets | 0.7110% | 1,102 |
| Net interest margin | 2.8707% | 5,761 |
| Noninterest income to average assets | 0.2686% | 5,283 |
| Noninterest expense to average assets | 2.1029% | 5,562 |
| Loan and lease loss provision to assets | -0.2023% | 6,389 |
| Net operating income to assets | 0.9812% | 2,538 |
| Return on assets (ROA) | 1.2126% | 1,701 |
| Pretax return on assets | 1.2825% | 2,447 |
| Return on Equity (ROE) | 18.7226% | 378 |
| Retained earnings to average equity (ytd only) | 11.1563% | 492 |
| Net charge-offs to loans | -1.1478% | 6,526 |
| Credit loss provision to net charge-offs | 41.9207% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5394% | 3,262 |
| Assets per employee ($millions) | 5.9205% | 1,394 |
| Cash dividends to net income (ytd only)* | 40.4127% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2959% | 828 |
| Loan loss allowance to noncurrent loans | 9,533.3333% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 5,103 |
| Noncurrent loans to loans | 0.0241% | 5,927 |
| Net loans and leases to total assets | 41.1145% | 5,744 |
| Net loans and leases to deposits | 49.0796% | 5,695 |
| Net loans and leases to core deposits | 52.6621% | 5,644 |
| Total domestic deposits to total assets | 83.7712% | 3,849 |
| Equity capital to assets | 7.0709% | 6,371 |
| Core capital (leverage) ratio | 8.8617% | 5,248 |
| Tier 1 risk-based capital ratio | 14.3237% | 4,012 |
| Total risk-based capital ratio | 15.5707% | 3,936 |
| Memoranda: | ||
| Average total assets | $181,208,750 | 3,222 |
| Average earning assets | $168,596,500 | 3,201 |
| Average equity | $11,736,000 | 4,436 |
| Average total loans | $76,201,000 | 4,027 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6814% | 4,919 |
| Cost of funding earning assets | 0.7158% | 1,112 |
| Net interest margin | 2.9656% | 5,598 |
| Noninterest income to average assets | 0.2577% | 5,355 |
| Noninterest expense to average assets | 2.1107% | 5,603 |
| Loan and lease loss provision to assets | -0.1919% | 6,471 |
| Net operating income to assets | 1.0313% | 2,198 |
| Return on assets (ROA) | 1.1611% | 1,789 |
| Pretax return on assets | 1.2346% | 2,523 |
| Return on Equity (ROE) | 18.4790% | 413 |
| Retained earnings to average equity (ytd only) | 10.8885% | 552 |
| Net charge-offs to loans | -1.6978% | 6,595 |
| Credit loss provision to net charge-offs | 26.8817% | 3,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 3,663 |
| Assets per employee ($millions) | 5.9396% | 1,315 |
| Cash dividends to net income (ytd only)* | 41.0765% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5146% | 694 |
| Loan loss allowance to noncurrent loans | 9,055.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 5,199 |
| Noncurrent loans to loans | 0.0278% | 5,980 |
| Net loans and leases to total assets | 39.4011% | 5,867 |
| Net loans and leases to deposits | 46.4492% | 5,857 |
| Net loans and leases to core deposits | 50.7481% | 5,751 |
| Total domestic deposits to total assets | 84.8261% | 3,594 |
| Equity capital to assets | 6.9387% | 6,452 |
| Core capital (leverage) ratio | 8.4611% | 5,671 |
| Tier 1 risk-based capital ratio | 13.7424% | 4,419 |
| Total risk-based capital ratio | 14.9972% | 4,366 |
| Memoranda: | ||
| Average total assets | $182,406,330 | 3,228 |
| Average earning assets | $169,609,670 | 3,208 |
| Average equity | $11,461,670 | 4,507 |
| Average total loans | $76,687,330 | 4,018 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 5,353 |
| Cost of funding earning assets | 0.7230% | 1,111 |
| Net interest margin | 2.8055% | 5,923 |
| Noninterest income to average assets | 0.2905% | 5,052 |
| Noninterest expense to average assets | 2.0573% | 5,774 |
| Loan and lease loss provision to assets | -0.2168% | 6,577 |
| Net operating income to assets | 1.0083% | 2,180 |
| Return on assets (ROA) | 1.1359% | 1,745 |
| Pretax return on assets | 1.1923% | 2,512 |
| Return on Equity (ROE) | 19.0364% | 355 |
| Retained earnings to average equity (ytd only) | 11.4073% | 687 |
| Net charge-offs to loans | -1.4426% | 6,648 |
| Credit loss provision to net charge-offs | 35.0877% | 2,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9798% | 3,655 |
| Assets per employee ($millions) | 6.2223% | 1,167 |
| Cash dividends to net income (ytd only)* | 40.0763% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0377% | 1,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 5,373 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 39.1458% | 5,868 |
| Net loans and leases to deposits | 43.6546% | 5,995 |
| Net loans and leases to core deposits | 48.2349% | 5,860 |
| Total domestic deposits to total assets | 89.6716% | 1,262 |
| Equity capital to assets | 6.1794% | 6,553 |
| Core capital (leverage) ratio | 8.2786% | 5,867 |
| Tier 1 risk-based capital ratio | 13.3092% | 4,819 |
| Total risk-based capital ratio | 14.5580% | 4,748 |
| Memoranda: | ||
| Average total assets | $184,515,500 | 3,239 |
| Average earning assets | $171,518,500 | 3,202 |
| Average equity | $11,010,500 | 4,611 |
| Average total loans | $79,021,500 | 3,969 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 5,164 |
| Cost of funding earning assets | 0.8155% | 1,119 |
| Net interest margin | 2.8750% | 5,840 |
| Noninterest income to average assets | 0.3921% | 4,506 |
| Noninterest expense to average assets | 2.1484% | 5,733 |
| Loan and lease loss provision to assets | -0.0632% | 6,415 |
| Net operating income to assets | 0.9467% | 2,579 |
| Return on assets (ROA) | 0.8792% | 2,971 |
| Pretax return on assets | 0.9122% | 3,717 |
| Return on Equity (ROE) | 11.6919% | 1,526 |
| Retained earnings to average equity (ytd only) | 2.8043% | 4,250 |
| Net charge-offs to loans | 0.0873% | 3,981 |
| Credit loss provision to net charge-offs | -169.1176% | 5,967 |
| Earnings coverage of net charge-offs (x) | 24.6176% | 1,357 |
| Efficiency ratio | 70.0322% | 3,838 |
| Assets per employee ($millions) | 5.8826% | 1,351 |
| Cash dividends to net income (ytd only)* | 76.0150% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 2,763 |
| Loan loss allowance to noncurrent loans | 168.1360% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 4,121 |
| Noncurrent loans to loans | 0.9515% | 3,610 |
| Net loans and leases to total assets | 45.0286% | 5,581 |
| Net loans and leases to deposits | 54.0422% | 5,463 |
| Net loans and leases to core deposits | 59.3737% | 5,270 |
| Total domestic deposits to total assets | 83.3211% | 4,420 |
| Equity capital to assets | 5.7501% | 6,640 |
| Core capital (leverage) ratio | 8.2067% | 5,968 |
| Tier 1 risk-based capital ratio | 11.6304% | 5,834 |
| Total risk-based capital ratio | 12.6714% | 5,889 |
| Memoranda: | ||
| Average total assets | $182,093,000 | 3,255 |
| Average earning assets | $169,460,200 | 3,226 |
| Average equity | $13,693,200 | 4,128 |
| Average total loans | $77,904,200 | 4,002 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 5,035 |
| Cost of funding earning assets | 0.8288% | 1,158 |
| Net interest margin | 2.9209% | 5,763 |
| Noninterest income to average assets | 0.4153% | 4,407 |
| Noninterest expense to average assets | 2.1711% | 5,676 |
| Loan and lease loss provision to assets | -0.0732% | 6,585 |
| Net operating income to assets | 0.9889% | 2,419 |
| Return on assets (ROA) | 1.0599% | 2,232 |
| Pretax return on assets | 1.1104% | 3,067 |
| Return on Equity (ROE) | 13.3100% | 1,169 |
| Retained earnings to average equity (ytd only) | 3.9461% | 3,880 |
| Net charge-offs to loans | -0.1812% | 6,629 |
| Credit loss provision to net charge-offs | 96.1538% | 2,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2847% | 3,873 |
| Assets per employee ($millions) | 5.6957% | 1,452 |
| Cash dividends to net income (ytd only)* | 70.3523% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 1,522 |
| Loan loss allowance to noncurrent loans | 93.7192% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 3,326 |
| Noncurrent loans to loans | 2.2329% | 1,976 |
| Net loans and leases to total assets | 39.0685% | 6,102 |
| Net loans and leases to deposits | 46.3983% | 6,075 |
| Net loans and leases to core deposits | 51.3555% | 5,928 |
| Total domestic deposits to total assets | 84.2024% | 4,111 |
| Equity capital to assets | 6.0468% | 6,689 |
| Core capital (leverage) ratio | 8.0540% | 6,186 |
| Tier 1 risk-based capital ratio | 11.9505% | 5,804 |
| Total risk-based capital ratio | 13.1869% | 5,752 |
| Memoranda: | ||
| Average total assets | $182,025,750 | 3,282 |
| Average earning assets | $169,393,000 | 3,253 |
| Average equity | $14,495,000 | 4,015 |
| Average total loans | $76,517,750 | 4,074 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 5,058 |
| Cost of funding earning assets | 0.8244% | 1,286 |
| Net interest margin | 2.9047% | 5,792 |
| Noninterest income to average assets | 0.4474% | 4,181 |
| Noninterest expense to average assets | 2.2061% | 5,614 |
| Loan and lease loss provision to assets | -0.0791% | 6,683 |
| Net operating income to assets | 0.9773% | 2,429 |
| Return on assets (ROA) | 1.0838% | 2,094 |
| Pretax return on assets | 1.1399% | 2,927 |
| Return on Equity (ROE) | 12.5982% | 1,338 |
| Retained earnings to average equity (ytd only) | 2.7215% | 4,582 |
| Net charge-offs to loans | -0.1389% | 6,580 |
| Credit loss provision to net charge-offs | 133.3333% | 1,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9303% | 3,840 |
| Assets per employee ($millions) | 5.8608% | 1,300 |
| Cash dividends to net income (ytd only)* | 78.3976% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 1,855 |
| Loan loss allowance to noncurrent loans | 63.6672% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.5720% | 2,755 |
| Noncurrent loans to loans | 3.1339% | 1,408 |
| Net loans and leases to total assets | 40.5521% | 6,010 |
| Net loans and leases to deposits | 49.7844% | 5,861 |
| Net loans and leases to core deposits | 52.5979% | 5,842 |
| Total domestic deposits to total assets | 81.4553% | 5,225 |
| Equity capital to assets | 7.7799% | 6,323 |
| Core capital (leverage) ratio | 8.1636% | 6,044 |
| Tier 1 risk-based capital ratio | 11.5329% | 6,090 |
| Total risk-based capital ratio | 12.7264% | 6,087 |
| Memoranda: | ||
| Average total assets | $181,947,000 | 3,292 |
| Average earning assets | $169,587,000 | 3,260 |
| Average equity | $15,653,000 | 3,827 |
| Average total loans | $77,780,670 | 4,050 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 4,813 |
| Cost of funding earning assets | 0.8190% | 1,423 |
| Net interest margin | 2.9856% | 5,610 |
| Noninterest income to average assets | 0.5448% | 3,477 |
| Noninterest expense to average assets | 2.1749% | 5,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0937% | 1,882 |
| Return on assets (ROA) | 1.2127% | 1,604 |
| Pretax return on assets | 1.2742% | 2,316 |
| Return on Equity (ROE) | 13.4536% | 1,067 |
| Retained earnings to average equity (ytd only) | 6.4587% | 2,427 |
| Net charge-offs to loans | -0.2731% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4329% | 4,762 |
| Assets per employee ($millions) | 5.9371% | 1,300 |
| Cash dividends to net income (ytd only)* | 51.9928% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 1,718 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.5528% | 2,934 |
| Noncurrent loans to loans | 3.2031% | 1,537 |
| Net loans and leases to total assets | 39.1439% | 6,071 |
| Net loans and leases to deposits | 45.2612% | 6,104 |
| Net loans and leases to core deposits | 47.3102% | 6,135 |
| Total domestic deposits to total assets | 86.4846% | 3,244 |
| Equity capital to assets | 8.7151% | 5,797 |
| Core capital (leverage) ratio | 8.4909% | 5,610 |
| Tier 1 risk-based capital ratio | 12.1619% | 5,818 |
| Total risk-based capital ratio | 13.4202% | 5,766 |
| Memoranda: | ||
| Average total assets | $182,078,000 | 3,321 |
| Average earning assets | $169,482,000 | 3,283 |
| Average equity | $16,412,000 | 3,751 |
| Average total loans | $79,082,500 | 4,031 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 4,937 |
| Cost of funding earning assets | 0.9933% | 1,394 |
| Net interest margin | 3.1105% | 5,792 |
| Noninterest income to average assets | 0.3207% | 5,166 |
| Noninterest expense to average assets | 2.3075% | 5,676 |
| Loan and lease loss provision to assets | -0.0030% | 6,811 |
| Net operating income to assets | 0.8667% | 2,974 |
| Return on assets (ROA) | 1.2626% | 1,570 |
| Pretax return on assets | 1.3188% | 2,329 |
| Return on Equity (ROE) | 13.4324% | 1,120 |
| Retained earnings to average equity (ytd only) | 7.2323% | 1,455 |
| Net charge-offs to loans | -0.1540% | 6,900 |
| Credit loss provision to net charge-offs | 4.2017% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8629% | 3,438 |
| Assets per employee ($millions) | 5.8099% | 1,421 |
| Cash dividends to net income (ytd only)* | 46.1575% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 2,598 |
| Loan loss allowance to noncurrent loans | 53.0955% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.5874% | 3,005 |
| Noncurrent loans to loans | 3.3815% | 1,494 |
| Net loans and leases to total assets | 46.1009% | 5,604 |
| Net loans and leases to deposits | 57.9429% | 5,243 |
| Net loans and leases to core deposits | 61.1858% | 5,253 |
| Total domestic deposits to total assets | 79.5627% | 5,768 |
| Equity capital to assets | 9.3189% | 5,125 |
| Core capital (leverage) ratio | 8.5035% | 5,605 |
| Tier 1 risk-based capital ratio | 11.0093% | 6,345 |
| Total risk-based capital ratio | 12.1795% | 6,342 |
| Memoranda: | ||
| Average total assets | $169,014,400 | 3,474 |
| Average earning assets | $157,046,200 | 3,416 |
| Average equity | $15,887,000 | 3,792 |
| Average total loans | $77,293,600 | 4,113 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 4,866 |
| Cost of funding earning assets | 1.0278% | 1,405 |
| Net interest margin | 3.1586% | 5,800 |
| Noninterest income to average assets | 0.3352% | 5,120 |
| Noninterest expense to average assets | 2.2938% | 5,696 |
| Loan and lease loss provision to assets | -0.0040% | 6,947 |
| Net operating income to assets | 0.9399% | 2,798 |
| Return on assets (ROA) | 1.3819% | 1,396 |
| Pretax return on assets | 1.4412% | 2,109 |
| Return on Equity (ROE) | 14.6672% | 963 |
| Retained earnings to average equity (ytd only) | 8.8361% | 1,291 |
| Net charge-offs to loans | -0.2049% | 6,994 |
| Credit loss provision to net charge-offs | 4.3103% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1324% | 3,665 |
| Assets per employee ($millions) | 5.2466% | 1,885 |
| Cash dividends to net income (ytd only)* | 39.7561% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 1,979 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.9441% | 2,722 |
| Noncurrent loans to loans | 3.7268% | 1,431 |
| Net loans and leases to total assets | 42.6804% | 6,065 |
| Net loans and leases to deposits | 49.6370% | 6,137 |
| Net loans and leases to core deposits | 51.6745% | 6,202 |
| Total domestic deposits to total assets | 85.9850% | 3,268 |
| Equity capital to assets | 10.1035% | 4,351 |
| Core capital (leverage) ratio | 8.7294% | 5,431 |
| Tier 1 risk-based capital ratio | 12.2519% | 5,803 |
| Total risk-based capital ratio | 13.5108% | 5,769 |
| Memoranda: | ||
| Average total assets | $166,241,250 | 3,548 |
| Average earning assets | $154,494,500 | 3,513 |
| Average equity | $15,662,750 | 3,869 |
| Average total loans | $75,479,750 | 4,213 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 4,711 |
| Cost of funding earning assets | 1.0513% | 1,463 |
| Net interest margin | 3.2123% | 5,697 |
| Noninterest income to average assets | 0.3513% | 5,032 |
| Noninterest expense to average assets | 2.3091% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9893% | 2,515 |
| Return on assets (ROA) | 1.5861% | 960 |
| Pretax return on assets | 1.6549% | 1,380 |
| Return on Equity (ROE) | 17.2562% | 605 |
| Retained earnings to average equity (ytd only) | 12.0163% | 582 |
| Net charge-offs to loans | -0.1443% | 6,935 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0863% | 3,923 |
| Assets per employee ($millions) | 5.3779% | 1,732 |
| Cash dividends to net income (ytd only)* | 30.3653% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 2,393 |
| Loan loss allowance to noncurrent loans | 53.5020% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.9674% | 2,820 |
| Noncurrent loans to loans | 3.6336% | 1,573 |
| Net loans and leases to total assets | 44.1412% | 6,003 |
| Net loans and leases to deposits | 52.5118% | 5,989 |
| Net loans and leases to core deposits | 54.7398% | 6,043 |
| Total domestic deposits to total assets | 84.0596% | 4,298 |
| Equity capital to assets | 9.9619% | 4,397 |
| Core capital (leverage) ratio | 8.5850% | 5,539 |
| Tier 1 risk-based capital ratio | 11.9319% | 5,975 |
| Total risk-based capital ratio | 13.1713% | 5,949 |
| Memoranda: | ||
| Average total assets | $165,691,000 | 3,571 |
| Average earning assets | $154,283,000 | 3,531 |
| Average equity | $15,229,330 | 3,937 |
| Average total loans | $76,249,000 | 4,210 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 4,531 |
| Cost of funding earning assets | 1.0646% | 1,598 |
| Net interest margin | 3.2824% | 5,525 |
| Noninterest income to average assets | 0.3729% | 4,877 |
| Noninterest expense to average assets | 2.3320% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0465% | 2,299 |
| Return on assets (ROA) | 1.2883% | 1,655 |
| Pretax return on assets | 1.3464% | 2,372 |
| Return on Equity (ROE) | 14.6355% | 1,051 |
| Retained earnings to average equity (ytd only) | 14.6355% | 490 |
| Net charge-offs to loans | -0.0260% | 6,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0565% | 4,160 |
| Assets per employee ($millions) | 5.2184% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 2,865 |
| Loan loss allowance to noncurrent loans | 51.6685% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.9786% | 2,929 |
| Noncurrent loans to loans | 3.5667% | 1,741 |
| Net loans and leases to total assets | 44.9419% | 5,904 |
| Net loans and leases to deposits | 51.3785% | 6,038 |
| Net loans and leases to core deposits | 53.5434% | 6,095 |
| Total domestic deposits to total assets | 87.4722% | 2,670 |
| Equity capital to assets | 8.7509% | 5,806 |
| Core capital (leverage) ratio | 8.5746% | 5,472 |
| Tier 1 risk-based capital ratio | 11.7770% | 6,103 |
| Total risk-based capital ratio | 12.9914% | 6,112 |
| Memoranda: | ||
| Average total assets | $165,179,000 | 3,599 |
| Average earning assets | $153,668,000 | 3,553 |
| Average equity | $14,540,000 | 4,085 |
| Average total loans | $76,849,000 | 4,220 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 5,099 |
| Cost of funding earning assets | 1.2164% | 1,921 |
| Net interest margin | 3.2765% | 5,882 |
| Noninterest income to average assets | 0.3071% | 5,345 |
| Noninterest expense to average assets | 2.3967% | 5,784 |
| Loan and lease loss provision to assets | -0.1090% | 7,282 |
| Net operating income to assets | 0.9903% | 2,236 |
| Return on assets (ROA) | 1.0626% | 2,091 |
| Pretax return on assets | 1.1082% | 2,809 |
| Return on Equity (ROE) | 11.8814% | 1,440 |
| Retained earnings to average equity (ytd only) | 6.9413% | 1,530 |
| Net charge-offs to loans | -0.0097% | 6,885 |
| Credit loss provision to net charge-offs | 2,357.1429% | 93 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1758% | 3,536 |
| Assets per employee ($millions) | 5.1053% | 2,054 |
| Cash dividends to net income (ytd only)* | 41.5786% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 2,816 |
| Loan loss allowance to noncurrent loans | 68.5547% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.7525% | 3,324 |
| Noncurrent loans to loans | 2.6514% | 2,452 |
| Net loans and leases to total assets | 46.4207% | 5,978 |
| Net loans and leases to deposits | 56.1290% | 5,883 |
| Net loans and leases to core deposits | 58.7146% | 5,953 |
| Total domestic deposits to total assets | 82.7036% | 4,878 |
| Equity capital to assets | 8.8554% | 5,725 |
| Core capital (leverage) ratio | 8.3888% | 5,731 |
| Tier 1 risk-based capital ratio | 11.3877% | 6,231 |
| Total risk-based capital ratio | 12.6053% | 6,242 |
| Memoranda: | ||
| Average total assets | $151,419,200 | 3,773 |
| Average earning assets | $139,263,400 | 3,761 |
| Average equity | $13,542,200 | 4,231 |
| Average total loans | $72,484,800 | 4,399 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 4,981 |
| Cost of funding earning assets | 1.2407% | 2,059 |
| Net interest margin | 3.3344% | 5,758 |
| Noninterest income to average assets | 0.3270% | 5,246 |
| Noninterest expense to average assets | 2.4487% | 5,631 |
| Loan and lease loss provision to assets | -0.1482% | 7,373 |
| Net operating income to assets | 1.0422% | 2,168 |
| Return on assets (ROA) | 1.1129% | 2,063 |
| Pretax return on assets | 1.1588% | 2,790 |
| Return on Equity (ROE) | 12.4105% | 1,434 |
| Retained earnings to average equity (ytd only) | 8.1234% | 1,462 |
| Net charge-offs to loans | -0.3067% | 7,307 |
| Credit loss provision to net charge-offs | 100.6098% | 3,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3269% | 3,486 |
| Assets per employee ($millions) | 5.0273% | 2,157 |
| Cash dividends to net income (ytd only)* | 34.5438% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 1,734 |
| Loan loss allowance to noncurrent loans | 103.3775% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 3,861 |
| Noncurrent loans to loans | 2.1970% | 3,116 |
| Net loans and leases to total assets | 43.1000% | 6,422 |
| Net loans and leases to deposits | 50.0253% | 6,500 |
| Net loans and leases to core deposits | 51.7532% | 6,580 |
| Total domestic deposits to total assets | 86.1563% | 3,132 |
| Equity capital to assets | 9.4574% | 5,152 |
| Core capital (leverage) ratio | 8.8181% | 5,233 |
| Tier 1 risk-based capital ratio | 12.4704% | 5,512 |
| Total risk-based capital ratio | 13.7326% | 5,495 |
| Memoranda: | ||
| Average total assets | $148,431,750 | 3,854 |
| Average earning assets | $136,153,250 | 3,833 |
| Average equity | $13,311,000 | 4,287 |
| Average total loans | $71,295,750 | 4,479 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 4,720 |
| Cost of funding earning assets | 1.2577% | 2,203 |
| Net interest margin | 3.3997% | 5,558 |
| Noninterest income to average assets | 0.3152% | 5,373 |
| Noninterest expense to average assets | 2.5363% | 5,413 |
| Loan and lease loss provision to assets | -0.2055% | 7,452 |
| Net operating income to assets | 1.0607% | 2,000 |
| Return on assets (ROA) | 1.0633% | 2,083 |
| Pretax return on assets | 1.1058% | 2,829 |
| Return on Equity (ROE) | 12.0919% | 1,463 |
| Retained earnings to average equity (ytd only) | 8.1652% | 1,402 |
| Net charge-offs to loans | -0.4352% | 7,386 |
| Credit loss provision to net charge-offs | 95.5414% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8627% | 3,384 |
| Assets per employee ($millions) | 4.6892% | 2,563 |
| Cash dividends to net income (ytd only)* | 32.4742% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2403% | 1,840 |
| Loan loss allowance to noncurrent loans | 103.1558% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.9909% | 3,247 |
| Noncurrent loans to loans | 2.1718% | 3,253 |
| Net loans and leases to total assets | 47.0990% | 6,144 |
| Net loans and leases to deposits | 54.6243% | 6,259 |
| Net loans and leases to core deposits | 55.9551% | 6,416 |
| Total domestic deposits to total assets | 86.2235% | 3,204 |
| Equity capital to assets | 9.1405% | 5,372 |
| Core capital (leverage) ratio | 8.6323% | 5,340 |
| Tier 1 risk-based capital ratio | 12.2655% | 5,553 |
| Total risk-based capital ratio | 13.5282% | 5,524 |
| Memoranda: | ||
| Average total assets | $145,960,000 | 3,923 |
| Average earning assets | $133,894,670 | 3,911 |
| Average equity | $12,835,000 | 4,378 |
| Average total loans | $72,150,670 | 4,497 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 5,078 |
| Cost of funding earning assets | 1.2454% | 2,531 |
| Net interest margin | 3.3252% | 5,692 |
| Noninterest income to average assets | 0.3309% | 5,252 |
| Noninterest expense to average assets | 2.5981% | 5,232 |
| Loan and lease loss provision to assets | -0.2735% | 7,518 |
| Net operating income to assets | 1.0201% | 2,106 |
| Return on assets (ROA) | 1.0201% | 2,158 |
| Pretax return on assets | 1.0584% | 2,907 |
| Return on Equity (ROE) | 11.8328% | 1,504 |
| Retained earnings to average equity (ytd only) | 6.8840% | 2,198 |
| Net charge-offs to loans | -0.4754% | 7,401 |
| Credit loss provision to net charge-offs | 114.9425% | 2,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7987% | 3,015 |
| Assets per employee ($millions) | 4.6959% | 2,586 |
| Cash dividends to net income (ytd only)* | 41.8231% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 2,011 |
| Loan loss allowance to noncurrent loans | 98.4117% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0037% | 3,311 |
| Noncurrent loans to loans | 2.2156% | 3,301 |
| Net loans and leases to total assets | 46.2464% | 6,265 |
| Net loans and leases to deposits | 53.0752% | 6,378 |
| Net loans and leases to core deposits | 54.1492% | 6,543 |
| Total domestic deposits to total assets | 87.1337% | 2,870 |
| Equity capital to assets | 8.3956% | 6,057 |
| Core capital (leverage) ratio | 8.5787% | 5,296 |
| Tier 1 risk-based capital ratio | 11.9780% | 5,710 |
| Total risk-based capital ratio | 13.2396% | 5,687 |
| Memoranda: | ||
| Average total assets | $146,258,000 | 3,950 |
| Average earning assets | $134,249,500 | 3,931 |
| Average equity | $12,609,000 | 4,417 |
| Average total loans | $73,209,000 | 4,500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 4,335 |
| Cost of funding earning assets | 1.4142% | 3,174 |
| Net interest margin | 3.6324% | 4,657 |
| Noninterest income to average assets | 0.1624% | 6,554 |
| Noninterest expense to average assets | 2.6468% | 5,235 |
| Loan and lease loss provision to assets | 0.0250% | 6,871 |
| Net operating income to assets | 0.7891% | 2,852 |
| Return on assets (ROA) | 0.9757% | 2,234 |
| Pretax return on assets | 1.0051% | 2,918 |
| Return on Equity (ROE) | 11.0727% | 1,562 |
| Retained earnings to average equity (ytd only) | 10.7399% | 410 |
| Net charge-offs to loans | 0.6736% | 2,987 |
| Credit loss provision to net charge-offs | 6.9583% | 6,618 |
| Earnings coverage of net charge-offs (x) | 2.3280% | 3,980 |
| Efficiency ratio | 75.9598% | 3,061 |
| Assets per employee ($millions) | 4.3105% | 3,180 |
| Cash dividends to net income (ytd only)* | 3.0059% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 2,129 |
| Loan loss allowance to noncurrent loans | 64.5842% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.4148% | 2,858 |
| Noncurrent loans to loans | 3.2066% | 2,369 |
| Net loans and leases to total assets | 51.8914% | 5,923 |
| Net loans and leases to deposits | 60.6435% | 5,986 |
| Net loans and leases to core deposits | 62.3629% | 6,209 |
| Total domestic deposits to total assets | 85.5681% | 3,568 |
| Equity capital to assets | 8.8592% | 5,340 |
| Core capital (leverage) ratio | 8.6663% | 5,079 |
| Tier 1 risk-based capital ratio | 11.4148% | 5,980 |
| Total risk-based capital ratio | 12.6759% | 5,963 |
| Memoranda: | ||
| Average total assets | $139,793,200 | 4,057 |
| Average earning assets | $127,848,400 | 4,070 |
| Average equity | $12,318,600 | 4,521 |
| Average total loans | $74,670,600 | 4,498 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 4,175 |
| Cost of funding earning assets | 1.4406% | 3,327 |
| Net interest margin | 3.6885% | 4,466 |
| Noninterest income to average assets | 0.2194% | 6,340 |
| Noninterest expense to average assets | 2.6009% | 5,320 |
| Loan and lease loss provision to assets | 0.0958% | 6,064 |
| Net operating income to assets | 0.8605% | 2,779 |
| Return on assets (ROA) | 1.0863% | 2,047 |
| Pretax return on assets | 1.1256% | 2,749 |
| Return on Equity (ROE) | 12.3448% | 1,413 |
| Retained earnings to average equity (ytd only) | 12.3448% | 420 |
| Net charge-offs to loans | 0.4295% | 3,576 |
| Credit loss provision to net charge-offs | 41.6667% | 5,998 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 3,114 |
| Efficiency ratio | 72.4580% | 3,620 |
| Assets per employee ($millions) | 4.3511% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6271% | 1,171 |
| Loan loss allowance to noncurrent loans | 57.0523% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 3.1996% | 2,239 |
| Noncurrent loans to loans | 4.6048% | 1,551 |
| Net loans and leases to total assets | 50.2851% | 6,293 |
| Net loans and leases to deposits | 58.1293% | 6,450 |
| Net loans and leases to core deposits | 59.1943% | 6,661 |
| Total domestic deposits to total assets | 86.5056% | 2,801 |
| Equity capital to assets | 9.4466% | 4,923 |
| Core capital (leverage) ratio | 8.9071% | 4,839 |
| Tier 1 risk-based capital ratio | 12.2182% | 5,250 |
| Total risk-based capital ratio | 13.4824% | 5,205 |
| Memoranda: | ||
| Average total assets | $139,179,750 | 4,120 |
| Average earning assets | $127,167,500 | 4,132 |
| Average equity | $12,247,750 | 4,611 |
| Average total loans | $74,494,500 | 4,583 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 4,105 |
| Cost of funding earning assets | 1.4638% | 3,466 |
| Net interest margin | 3.7036% | 4,348 |
| Noninterest income to average assets | 0.3909% | 4,986 |
| Noninterest expense to average assets | 2.6545% | 5,107 |
| Loan and lease loss provision to assets | 0.1437% | 5,463 |
| Net operating income to assets | 0.9393% | 2,404 |
| Return on assets (ROA) | 0.9945% | 2,297 |
| Pretax return on assets | 1.0319% | 2,999 |
| Return on Equity (ROE) | 11.5855% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.5855% | 551 |
| Net charge-offs to loans | 1.1067% | 1,711 |
| Credit loss provision to net charge-offs | 23.9808% | 5,813 |
| Earnings coverage of net charge-offs (x) | 1.8657% | 4,122 |
| Efficiency ratio | 70.3619% | 4,117 |
| Assets per employee ($millions) | 4.1179% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4628% | 1,350 |
| Loan loss allowance to noncurrent loans | 55.1369% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 3.1938% | 2,222 |
| Noncurrent loans to loans | 4.4667% | 1,632 |
| Net loans and leases to total assets | 49.8955% | 6,442 |
| Net loans and leases to deposits | 57.5719% | 6,608 |
| Net loans and leases to core deposits | 58.6465% | 6,792 |
| Total domestic deposits to total assets | 86.6664% | 2,722 |
| Equity capital to assets | 9.2052% | 5,140 |
| Core capital (leverage) ratio | 8.3183% | 5,725 |
| Tier 1 risk-based capital ratio | 11.9914% | 5,321 |
| Total risk-based capital ratio | 13.2547% | 5,274 |
| Memoranda: | ||
| Average total assets | $139,161,000 | 4,152 |
| Average earning assets | $127,066,330 | 4,155 |
| Average equity | $11,946,000 | 4,692 |
| Average total loans | $75,358,000 | 4,586 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 4,641 |
| Cost of funding earning assets | 1.4680% | 3,752 |
| Net interest margin | 3.6091% | 4,688 |
| Noninterest income to average assets | 0.3835% | 5,061 |
| Noninterest expense to average assets | 2.5796% | 5,436 |
| Loan and lease loss provision to assets | 0.0852% | 5,784 |
| Net operating income to assets | 0.9745% | 2,288 |
| Return on assets (ROA) | 0.9745% | 2,349 |
| Pretax return on assets | 1.0085% | 3,057 |
| Return on Equity (ROE) | 11.7622% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.7622% | 789 |
| Net charge-offs to loans | -0.0460% | 7,325 |
| Credit loss provision to net charge-offs | -333.3333% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2243% | 4,259 |
| Assets per employee ($millions) | 4.3342% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7509% | 1,036 |
| Loan loss allowance to noncurrent loans | 53.1194% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 3.6167% | 1,941 |
| Noncurrent loans to loans | 5.1788% | 1,386 |
| Net loans and leases to total assets | 51.1375% | 6,358 |
| Net loans and leases to deposits | 58.2508% | 6,608 |
| Net loans and leases to core deposits | 59.3863% | 6,789 |
| Total domestic deposits to total assets | 87.7886% | 2,187 |
| Equity capital to assets | 8.2920% | 6,313 |
| Core capital (leverage) ratio | 8.0826% | 6,115 |
| Tier 1 risk-based capital ratio | 10.9292% | 6,222 |
| Total risk-based capital ratio | 12.1946% | 6,187 |
| Memoranda: | ||
| Average total assets | $140,796,500 | 4,179 |
| Average earning assets | $128,341,500 | 4,187 |
| Average equity | $11,664,500 | 4,802 |
| Average total loans | $78,279,500 | 4,569 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3795% | 4,791 |
| Cost of funding earning assets | 1.8557% | 3,707 |
| Net interest margin | 3.5239% | 4,845 |
| Noninterest income to average assets | 0.1884% | 6,743 |
| Noninterest expense to average assets | 2.5906% | 5,828 |
| Loan and lease loss provision to assets | 2.0623% | 1,033 |
| Net operating income to assets | -1.1956% | 6,708 |
| Return on assets (ROA) | -1.0766% | 6,635 |
| Pretax return on assets | -1.1047% | 6,478 |
| Return on Equity (ROE) | -12.5155% | 6,799 |
| Retained earnings to average equity (ytd only) | -13.7696% | 6,798 |
| Net charge-offs to loans | 3.1008% | 665 |
| Credit loss provision to net charge-offs | 107.1401% | 5,173 |
| Earnings coverage of net charge-offs (x) | 0.4338% | 5,670 |
| Efficiency ratio | 75.6255% | 3,589 |
| Assets per employee ($millions) | 4.1989% | 3,440 |
| Cash dividends to net income (ytd only)* | -10.0206% | 7,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4955% | 1,231 |
| Loan loss allowance to noncurrent loans | 54.8797% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.6467% | 1,824 |
| Noncurrent loans to loans | 4.5471% | 1,558 |
| Net loans and leases to total assets | 57.2433% | 5,782 |
| Net loans and leases to deposits | 65.2581% | 6,138 |
| Net loans and leases to core deposits | 74.8001% | 6,486 |
| Total domestic deposits to total assets | 87.7182% | 2,113 |
| Equity capital to assets | 8.2771% | 6,225 |
| Core capital (leverage) ratio | 7.6241% | 6,650 |
| Tier 1 risk-based capital ratio | 10.2008% | 6,683 |
| Total risk-based capital ratio | 11.4660% | 6,636 |
| Memoranda: | ||
| Average total assets | $135,334,000 | 4,230 |
| Average earning assets | $124,322,800 | 4,209 |
| Average equity | $11,641,600 | 4,827 |
| Average total loans | $84,011,000 | 4,385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 4,806 |
| Cost of funding earning assets | 1.9136% | 3,805 |
| Net interest margin | 3.5143% | 4,808 |
| Noninterest income to average assets | 0.3548% | 5,655 |
| Noninterest expense to average assets | 2.6829% | 5,398 |
| Loan and lease loss provision to assets | 2.1130% | 827 |
| Net operating income to assets | -1.1550% | 6,933 |
| Return on assets (ROA) | -1.0456% | 6,871 |
| Pretax return on assets | -1.0892% | 6,747 |
| Return on Equity (ROE) | -12.0382% | 7,025 |
| Retained earnings to average equity (ytd only) | -13.7041% | 7,056 |
| Net charge-offs to loans | 1.7478% | 1,158 |
| Credit loss provision to net charge-offs | 192.0721% | 2,357 |
| Earnings coverage of net charge-offs (x) | 0.8270% | 5,228 |
| Efficiency ratio | 74.6759% | 3,745 |
| Assets per employee ($millions) | 4.4781% | 2,892 |
| Cash dividends to net income (ytd only)* | -13.8387% | 7,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5821% | 385 |
| Loan loss allowance to noncurrent loans | 48.0947% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 4.8424% | 1,218 |
| Noncurrent loans to loans | 7.4480% | 693 |
| Net loans and leases to total assets | 53.8151% | 6,399 |
| Net loans and leases to deposits | 61.3136% | 6,731 |
| Net loans and leases to core deposits | 70.7155% | 6,925 |
| Total domestic deposits to total assets | 87.7702% | 1,767 |
| Equity capital to assets | 8.2904% | 6,515 |
| Core capital (leverage) ratio | 8.5507% | 5,401 |
| Tier 1 risk-based capital ratio | 11.2177% | 5,729 |
| Total risk-based capital ratio | 12.4937% | 5,647 |
| Memoranda: | ||
| Average total assets | $134,526,750 | 4,270 |
| Average earning assets | $123,948,750 | 4,248 |
| Average equity | $11,684,750 | 4,871 |
| Average total loans | $84,676,750 | 4,404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5302% | 4,442 |
| Cost of funding earning assets | 2.0080% | 3,734 |
| Net interest margin | 3.5222% | 4,689 |
| Noninterest income to average assets | 0.3678% | 5,571 |
| Noninterest expense to average assets | 2.8373% | 4,793 |
| Loan and lease loss provision to assets | 2.7735% | 550 |
| Net operating income to assets | -1.9221% | 7,412 |
| Return on assets (ROA) | -1.8404% | 7,376 |
| Pretax return on assets | -1.9164% | 7,258 |
| Return on Equity (ROE) | -20.8440% | 7,523 |
| Retained earnings to average equity (ytd only) | -23.3569% | 7,561 |
| Net charge-offs to loans | 2.2147% | 822 |
| Credit loss provision to net charge-offs | 191.0995% | 2,395 |
| Earnings coverage of net charge-offs (x) | 0.5319% | 5,176 |
| Efficiency ratio | 78.6105% | 3,252 |
| Assets per employee ($millions) | 4.1026% | 3,488 |
| Cash dividends to net income (ytd only)* | -12.0562% | 7,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2807% | 456 |
| Loan loss allowance to noncurrent loans | 55.6285% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 4.5718% | 1,213 |
| Noncurrent loans to loans | 5.8974% | 935 |
| Net loans and leases to total assets | 60.9253% | 5,532 |
| Net loans and leases to deposits | 69.8544% | 6,002 |
| Net loans and leases to core deposits | 81.4625% | 6,288 |
| Total domestic deposits to total assets | 87.2176% | 2,144 |
| Equity capital to assets | 8.4398% | 6,144 |
| Core capital (leverage) ratio | 8.3996% | 5,618 |
| Tier 1 risk-based capital ratio | 11.0750% | 5,801 |
| Total risk-based capital ratio | 12.3464% | 5,695 |
| Memoranda: | ||
| Average total assets | $131,603,000 | 4,358 |
| Average earning assets | $121,116,330 | 4,340 |
| Average equity | $11,619,670 | 4,910 |
| Average total loans | $86,242,000 | 4,394 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 4,723 |
| Cost of funding earning assets | 2.0042% | 4,106 |
| Net interest margin | 3.5312% | 4,609 |
| Noninterest income to average assets | 0.3946% | 5,257 |
| Noninterest expense to average assets | 2.6259% | 5,340 |
| Loan and lease loss provision to assets | 1.8214% | 677 |
| Net operating income to assets | -0.8045% | 7,130 |
| Return on assets (ROA) | -0.8864% | 7,207 |
| Pretax return on assets | -0.8773% | 7,083 |
| Return on Equity (ROE) | -9.8238% | 7,353 |
| Retained earnings to average equity (ytd only) | -14.7357% | 7,425 |
| Net charge-offs to loans | 2.6814% | 499 |
| Credit loss provision to net charge-offs | 101.6949% | 3,677 |
| Earnings coverage of net charge-offs (x) | 0.5729% | 4,536 |
| Efficiency ratio | 71.9036% | 4,208 |
| Assets per employee ($millions) | 4.2760% | 3,118 |
| Cash dividends to net income (ytd only)* | -50.0000% | 8,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1565% | 1,136 |
| Loan loss allowance to noncurrent loans | 37.7086% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 4.6018% | 1,029 |
| Noncurrent loans to loans | 5.7187% | 865 |
| Net loans and leases to total assets | 63.4260% | 5,086 |
| Net loans and leases to deposits | 73.0065% | 5,613 |
| Net loans and leases to core deposits | 84.0271% | 6,058 |
| Total domestic deposits to total assets | 86.8772% | 2,278 |
| Equity capital to assets | 8.8815% | 5,510 |
| Core capital (leverage) ratio | 9.1144% | 4,532 |
| Tier 1 risk-based capital ratio | 11.7971% | 5,129 |
| Total risk-based capital ratio | 13.0581% | 5,030 |
| Memoranda: | ||
| Average total assets | $131,763,500 | 4,379 |
| Average earning assets | $121,544,500 | 4,345 |
| Average equity | $11,889,500 | 4,868 |
| Average total loans | $88,014,500 | 4,358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 5,856 |
| Cost of funding earning assets | 2.5540% | 3,932 |
| Net interest margin | 3.3852% | 5,723 |
| Noninterest income to average assets | 0.3753% | 5,692 |
| Noninterest expense to average assets | 2.5554% | 5,810 |
| Loan and lease loss provision to assets | 0.5402% | 2,665 |
| Net operating income to assets | 0.3793% | 5,227 |
| Return on assets (ROA) | 0.4138% | 4,913 |
| Pretax return on assets | 0.4138% | 5,221 |
| Return on Equity (ROE) | 4.2802% | 4,694 |
| Retained earnings to average equity (ytd only) | -1.2750% | 5,674 |
| Net charge-offs to loans | 1.3354% | 883 |
| Credit loss provision to net charge-offs | 57.9897% | 6,255 |
| Earnings coverage of net charge-offs (x) | 0.9871% | 5,634 |
| Efficiency ratio | 73.5375% | 3,654 |
| Assets per employee ($millions) | 4.0928% | 3,323 |
| Cash dividends to net income (ytd only)* | 129.7872% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 1,153 |
| Loan loss allowance to noncurrent loans | 34.1993% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 4.6606% | 786 |
| Noncurrent loans to loans | 5.9811% | 600 |
| Net loans and leases to total assets | 67.3874% | 4,570 |
| Net loans and leases to deposits | 78.8863% | 5,215 |
| Net loans and leases to core deposits | 90.4830% | 5,759 |
| Total domestic deposits to total assets | 85.4235% | 2,656 |
| Equity capital to assets | 9.1669% | 5,132 |
| Core capital (leverage) ratio | 9.3510% | 4,229 |
| Tier 1 risk-based capital ratio | 11.4240% | 5,314 |
| Total risk-based capital ratio | 12.6836% | 5,204 |
| Memoranda: | ||
| Average total assets | $124,952,000 | 4,395 |
| Average earning assets | $114,410,400 | 4,402 |
| Average equity | $12,078,800 | 4,811 |
| Average total loans | $87,163,600 | 4,305 |