Home > Panola National Bank > Performance and Condition Ratios
Panola National Bank, Performance and Condition Ratios
| 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 | 0.5866% | 4,931 |
| Cost of funding earning assets | 0.0378% | 4,863 |
| Net interest margin | 0.5487% | 4,928 |
| Noninterest income to average assets | 0.1800% | 4,305 |
| Noninterest expense to average assets | 0.5710% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1040% | 4,708 |
| Return on assets (ROA) | 0.1040% | 4,725 |
| Pretax return on assets | 0.1040% | 4,729 |
| Return on Equity (ROE) | 0.9619% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.9619% | 4,351 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5977% | 527 |
| Assets per employee ($millions) | 6.3572% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 3,000 |
| Noncurrent loans to loans | 0.6066% | 1,893 |
| Net loans and leases to total assets | 31.4902% | 4,604 |
| Net loans and leases to deposits | 35.4197% | 4,643 |
| Net loans and leases to core deposits | 36.5314% | 4,657 |
| Total domestic deposits to total assets | 88.9058% | 1,326 |
| Equity capital to assets | 11.0538% | 1,943 |
| Core capital (leverage) ratio | 10.1118% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1455% | 336 |
| Memoranda: | ||
| Average total assets | $128,900,000 | 3,736 |
| Average earning assets | $116,268,000 | 3,786 |
| Average equity | $13,931,000 | 3,800 |
| Average total loans | $45,676,667 | 4,161 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3424% | 4,744 |
| Cost of funding earning assets | 0.1807% | 4,076 |
| Net interest margin | 2.1617% | 4,645 |
| Noninterest income to average assets | 0.7141% | 1,828 |
| Noninterest expense to average assets | 2.6319% | 1,794 |
| Loan and lease loss provision to assets | 0.0316% | 2,357 |
| Net operating income to assets | 0.0158% | 4,767 |
| Return on assets (ROA) | 0.3697% | 4,445 |
| Pretax return on assets | 0.3697% | 4,528 |
| Return on Equity (ROE) | 3.4621% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.4264% | 3,926 |
| Net charge-offs to loans | 0.2695% | 316 |
| Credit loss provision to net charge-offs | 31.2500% | 1,381 |
| Earnings coverage of net charge-offs (x) | 0.4688% | 1,885 |
| Efficiency ratio | 98.2311% | 213 |
| Assets per employee ($millions) | 6.0745% | 2,524 |
| Cash dividends to net income (ytd only)* | 29.9145% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,550 |
| Loan loss allowance to noncurrent loans | 148.0480% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 2,841 |
| Noncurrent loans to loans | 0.7254% | 1,788 |
| Net loans and leases to total assets | 35.5975% | 4,522 |
| Net loans and leases to deposits | 39.9286% | 4,569 |
| Net loans and leases to core deposits | 41.2361% | 4,584 |
| Total domestic deposits to total assets | 89.1530% | 1,264 |
| Equity capital to assets | 10.3728% | 2,375 |
| Core capital (leverage) ratio | 10.1256% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2668% | 390 |
| Memoranda: | ||
| Average total assets | $126,599,000 | 3,772 |
| Average earning assets | $115,094,000 | 3,795 |
| Average equity | $13,518,000 | 3,843 |
| Average total loans | $47,495,000 | 4,148 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2376% | 4,410 |
| Cost of funding earning assets | 0.2442% | 4,404 |
| Net interest margin | 2.9934% | 3,903 |
| Noninterest income to average assets | 0.7607% | 1,657 |
| Noninterest expense to average assets | 2.9953% | 1,452 |
| Loan and lease loss provision to assets | 0.0249% | 4,085 |
| Net operating income to assets | 0.4347% | 4,171 |
| Return on assets (ROA) | 0.5359% | 4,047 |
| Pretax return on assets | 0.5359% | 4,208 |
| Return on Equity (ROE) | 4.6407% | 3,995 |
| Retained earnings to average equity (ytd only) | -0.5747% | 4,598 |
| Net charge-offs to loans | 0.0193% | 2,685 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 55.4000% | 1,115 |
| Efficiency ratio | 86.6987% | 504 |
| Assets per employee ($millions) | 5.4623% | 2,883 |
| Cash dividends to net income (ytd only)* | 112.3839% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,691 |
| Loan loss allowance to noncurrent loans | 12,875.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,453 |
| Noncurrent loans to loans | 0.0081% | 4,349 |
| Net loans and leases to total assets | 38.6618% | 4,494 |
| Net loans and leases to deposits | 43.8039% | 4,535 |
| Net loans and leases to core deposits | 45.3817% | 4,557 |
| Total domestic deposits to total assets | 88.2610% | 1,346 |
| Equity capital to assets | 10.9876% | 2,263 |
| Core capital (leverage) ratio | 9.9865% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1802% | 382 |
| Memoranda: | ||
| Average total assets | $120,554,000 | 3,741 |
| Average earning assets | $108,505,200 | 3,789 |
| Average equity | $13,920,200 | 3,769 |
| Average total loans | $51,917,600 | 4,068 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 4,316 |
| Cost of funding earning assets | 0.2604% | 4,472 |
| Net interest margin | 3.1657% | 3,575 |
| Noninterest income to average assets | 0.7522% | 1,641 |
| Noninterest expense to average assets | 3.0224% | 1,398 |
| Loan and lease loss provision to assets | 0.0335% | 3,919 |
| Net operating income to assets | 0.5365% | 3,938 |
| Return on assets (ROA) | 0.6125% | 3,824 |
| Pretax return on assets | 0.6125% | 4,082 |
| Return on Equity (ROE) | 5.2379% | 3,815 |
| Retained earnings to average equity (ytd only) | -0.7455% | 4,585 |
| Net charge-offs to loans | 0.0127% | 2,653 |
| Credit loss provision to net charge-offs | 600.0000% | 1,163 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 781 |
| Efficiency ratio | 84.1319% | 594 |
| Assets per employee ($millions) | 5.4472% | 2,755 |
| Cash dividends to net income (ytd only)* | 114.2336% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,613 |
| Loan loss allowance to noncurrent loans | 10,400.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,512 |
| Noncurrent loans to loans | 0.0098% | 4,408 |
| Net loans and leases to total assets | 40.2535% | 4,561 |
| Net loans and leases to deposits | 45.6985% | 4,613 |
| Net loans and leases to core deposits | 47.3487% | 4,638 |
| Total domestic deposits to total assets | 88.0849% | 1,183 |
| Equity capital to assets | 11.0962% | 2,326 |
| Core capital (leverage) ratio | 10.1043% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8860% | 414 |
| Memoranda: | ||
| Average total assets | $119,284,250 | 3,745 |
| Average earning assets | $107,018,750 | 3,807 |
| Average equity | $13,949,250 | 3,767 |
| Average total loans | $52,625,250 | 4,074 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 4,269 |
| Cost of funding earning assets | 0.2798% | 4,536 |
| Net interest margin | 3.3135% | 3,349 |
| Noninterest income to average assets | 0.8884% | 1,196 |
| Noninterest expense to average assets | 3.1019% | 1,352 |
| Loan and lease loss provision to assets | 0.0256% | 3,938 |
| Net operating income to assets | 0.7299% | 3,283 |
| Return on assets (ROA) | 0.7299% | 3,391 |
| Pretax return on assets | 0.7299% | 3,797 |
| Return on Equity (ROE) | 6.1296% | 3,461 |
| Retained earnings to average equity (ytd only) | 2.5063% | 3,575 |
| Net charge-offs to loans | 0.0075% | 2,680 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 221.5000% | 410 |
| Efficiency ratio | 80.4156% | 861 |
| Assets per employee ($millions) | 5.3910% | 2,744 |
| Cash dividends to net income (ytd only)* | 59.1121% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,696 |
| Loan loss allowance to noncurrent loans | 627.1605% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,205 |
| Noncurrent loans to loans | 0.1552% | 3,835 |
| Net loans and leases to total assets | 41.6951% | 4,538 |
| Net loans and leases to deposits | 47.5441% | 4,607 |
| Net loans and leases to core deposits | 49.2813% | 4,637 |
| Total domestic deposits to total assets | 87.6977% | 1,328 |
| Equity capital to assets | 11.5176% | 1,960 |
| Core capital (leverage) ratio | 10.7881% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1101% | 397 |
| Memoranda: | ||
| Average total assets | $117,283,667 | 3,758 |
| Average earning assets | $105,084,333 | 3,822 |
| Average equity | $13,965,000 | 3,769 |
| Average total loans | $53,183,000 | 4,075 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 4,196 |
| Cost of funding earning assets | 0.3145% | 4,612 |
| Net interest margin | 3.5027% | 2,975 |
| Noninterest income to average assets | 0.8918% | 1,082 |
| Noninterest expense to average assets | 3.2792% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7408% | 3,127 |
| Return on assets (ROA) | 0.9796% | 2,351 |
| Pretax return on assets | 0.9796% | 2,905 |
| Return on Equity (ROE) | 8.0829% | 2,486 |
| Retained earnings to average equity (ytd only) | 5.5624% | 2,046 |
| Net charge-offs to loans | 0.0447% | 1,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 1,089 |
| Efficiency ratio | 81.5721% | 1,002 |
| Assets per employee ($millions) | 4.9757% | 2,672 |
| Cash dividends to net income (ytd only)* | 31.1828% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,030 |
| Loan loss allowance to noncurrent loans | 643.4211% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,269 |
| Noncurrent loans to loans | 0.1432% | 3,948 |
| Net loans and leases to total assets | 45.9625% | 4,426 |
| Net loans and leases to deposits | 53.1168% | 4,482 |
| Net loans and leases to core deposits | 55.2486% | 4,523 |
| Total domestic deposits to total assets | 86.5311% | 1,760 |
| Equity capital to assets | 12.6563% | 1,643 |
| Core capital (leverage) ratio | 11.4670% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9590% | 392 |
| Memoranda: | ||
| Average total assets | $113,929,000 | 3,792 |
| Average earning assets | $101,749,500 | 3,855 |
| Average equity | $13,807,000 | 3,795 |
| Average total loans | $53,671,000 | 4,074 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,480 |
| Cost of funding earning assets | 0.3270% | 4,663 |
| Net interest margin | 3.5481% | 3,293 |
| Noninterest income to average assets | 0.9248% | 1,128 |
| Noninterest expense to average assets | 3.4008% | 1,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7161% | 3,820 |
| Return on assets (ROA) | 0.7161% | 3,880 |
| Pretax return on assets | 0.7161% | 4,170 |
| Return on Equity (ROE) | 6.5925% | 3,713 |
| Retained earnings to average equity (ytd only) | 2.2624% | 3,884 |
| Net charge-offs to loans | 0.0643% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 23.2286% | 1,821 |
| Efficiency ratio | 82.6059% | 764 |
| Assets per employee ($millions) | 4.7257% | 2,924 |
| Cash dividends to net income (ytd only)* | 65.6827% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 3,906 |
| Loan loss allowance to noncurrent loans | 490.0990% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,191 |
| Noncurrent loans to loans | 0.1862% | 3,785 |
| Net loans and leases to total assets | 47.3985% | 4,457 |
| Net loans and leases to deposits | 54.1141% | 4,527 |
| Net loans and leases to core deposits | 55.8554% | 4,591 |
| Total domestic deposits to total assets | 87.5900% | 1,324 |
| Equity capital to assets | 11.5767% | 2,463 |
| Core capital (leverage) ratio | 11.1071% | 2,408 |
| Tier 1 risk-based capital ratio | 24.0446% | 826 |
| Total risk-based capital ratio | 24.9895% | 836 |
| Memoranda: | ||
| Average total assets | $113,532,600 | 3,781 |
| Average earning assets | $102,139,800 | 3,832 |
| Average equity | $12,332,200 | 3,954 |
| Average total loans | $54,440,200 | 4,091 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 4,579 |
| Cost of funding earning assets | 0.3262% | 4,730 |
| Net interest margin | 3.5420% | 3,431 |
| Noninterest income to average assets | 0.9005% | 1,138 |
| Noninterest expense to average assets | 3.4459% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6422% | 4,174 |
| Return on assets (ROA) | 0.6422% | 4,226 |
| Pretax return on assets | 0.6422% | 4,460 |
| Return on Equity (ROE) | 6.0112% | 4,044 |
| Retained earnings to average equity (ytd only) | 0.1428% | 4,738 |
| Net charge-offs to loans | 0.0269% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 49.7151% | 1,200 |
| Efficiency ratio | 84.2906% | 593 |
| Assets per employee ($millions) | 4.8007% | 2,791 |
| Cash dividends to net income (ytd only)* | 97.6224% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 3,814 |
| Loan loss allowance to noncurrent loans | 25,950.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,769 |
| Noncurrent loans to loans | 0.0037% | 4,674 |
| Net loans and leases to total assets | 46.7982% | 4,561 |
| Net loans and leases to deposits | 53.1426% | 4,660 |
| Net loans and leases to core deposits | 54.6696% | 4,724 |
| Total domestic deposits to total assets | 88.0616% | 1,015 |
| Equity capital to assets | 11.0479% | 3,065 |
| Core capital (leverage) ratio | 10.9538% | 2,684 |
| Tier 1 risk-based capital ratio | 10.8357% | 4,974 |
| Total risk-based capital ratio | 11.2917% | 5,124 |
| Memoranda: | ||
| Average total assets | $113,561,500 | 3,827 |
| Average earning assets | $102,200,750 | 3,871 |
| Average equity | $12,132,750 | 4,015 |
| Average total loans | $54,487,000 | 4,137 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 4,589 |
| Cost of funding earning assets | 0.3223% | 4,761 |
| Net interest margin | 3.5570% | 3,414 |
| Noninterest income to average assets | 0.8902% | 1,093 |
| Noninterest expense to average assets | 3.4705% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6230% | 4,242 |
| Return on assets (ROA) | 0.6230% | 4,285 |
| Pretax return on assets | 0.6230% | 4,496 |
| Return on Equity (ROE) | 5.8991% | 4,073 |
| Retained earnings to average equity (ytd only) | 2.8322% | 3,792 |
| Net charge-offs to loans | 0.0147% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 761 |
| Efficiency ratio | 84.7817% | 603 |
| Assets per employee ($millions) | 4.3312% | 3,394 |
| Cash dividends to net income (ytd only)* | 51.9886% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,749 |
| Loan loss allowance to noncurrent loans | 2,922.2222% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,710 |
| Noncurrent loans to loans | 0.0335% | 4,549 |
| Net loans and leases to total assets | 47.2906% | 4,593 |
| Net loans and leases to deposits | 53.7767% | 4,689 |
| Net loans and leases to core deposits | 55.0753% | 4,744 |
| Total domestic deposits to total assets | 87.9389% | 1,130 |
| Equity capital to assets | 11.2343% | 2,828 |
| Core capital (leverage) ratio | 11.0407% | 2,556 |
| Tier 1 risk-based capital ratio | 24.2772% | 820 |
| Total risk-based capital ratio | 25.2999% | 823 |
| Memoranda: | ||
| Average total assets | $113,010,000 | 3,858 |
| Average earning assets | $101,772,330 | 3,903 |
| Average equity | $11,934,000 | 4,055 |
| Average total loans | $54,503,330 | 4,163 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 4,621 |
| Cost of funding earning assets | 0.3008% | 4,842 |
| Net interest margin | 3.5548% | 3,418 |
| Noninterest income to average assets | 0.8939% | 1,054 |
| Noninterest expense to average assets | 3.4767% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6325% | 4,142 |
| Return on assets (ROA) | 0.6325% | 4,184 |
| Pretax return on assets | 0.6325% | 4,455 |
| Return on Equity (ROE) | 6.1855% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,311 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6088% | 663 |
| Assets per employee ($millions) | 4.3537% | 3,414 |
| Cash dividends to net income (ytd only)* | 35.1955% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,839 |
| Loan loss allowance to noncurrent loans | 3,785.7143% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,812 |
| Noncurrent loans to loans | 0.0258% | 4,667 |
| Net loans and leases to total assets | 47.4526% | 4,603 |
| Net loans and leases to deposits | 53.6378% | 4,686 |
| Net loans and leases to core deposits | 55.4857% | 4,733 |
| Total domestic deposits to total assets | 88.4686% | 1,102 |
| Equity capital to assets | 10.7796% | 3,063 |
| Core capital (leverage) ratio | 11.1173% | 2,459 |
| Tier 1 risk-based capital ratio | 23.9409% | 847 |
| Total risk-based capital ratio | 24.9615% | 845 |
| Memoranda: | ||
| Average total assets | $113,210,000 | 3,891 |
| Average earning assets | $102,397,500 | 3,934 |
| Average equity | $11,575,500 | 4,119 |
| Average total loans | $54,865,000 | 4,191 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 4,515 |
| Cost of funding earning assets | 0.2294% | 4,891 |
| Net interest margin | 3.5602% | 3,514 |
| Noninterest income to average assets | 1.0181% | 911 |
| Noninterest expense to average assets | 3.3210% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9061% | 3,422 |
| Return on assets (ROA) | 0.9061% | 3,409 |
| Pretax return on assets | 0.9061% | 3,883 |
| Return on Equity (ROE) | 9.5952% | 2,694 |
| Retained earnings to average equity (ytd only) | 2.6955% | 4,057 |
| Net charge-offs to loans | 0.0197% | 3,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 94.8182% | 766 |
| Efficiency ratio | 78.5656% | 1,079 |
| Assets per employee ($millions) | 4.3548% | 3,373 |
| Cash dividends to net income (ytd only)* | 71.9080% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 3,934 |
| Loan loss allowance to noncurrent loans | 10,600.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,907 |
| Noncurrent loans to loans | 0.0090% | 4,770 |
| Net loans and leases to total assets | 48.5370% | 4,603 |
| Net loans and leases to deposits | 54.1855% | 4,742 |
| Net loans and leases to core deposits | 56.0232% | 4,777 |
| Total domestic deposits to total assets | 89.5756% | 631 |
| Equity capital to assets | 9.6701% | 3,981 |
| Core capital (leverage) ratio | 10.7767% | 2,756 |
| Tier 1 risk-based capital ratio | 23.3636% | 873 |
| Total risk-based capital ratio | 24.3689% | 878 |
| Memoranda: | ||
| Average total assets | $115,115,000 | 3,870 |
| Average earning assets | $103,756,800 | 3,922 |
| Average equity | $10,870,000 | 4,178 |
| Average total loans | $55,727,000 | 4,194 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,615 |
| Cost of funding earning assets | 0.2112% | 4,980 |
| Net interest margin | 3.5104% | 3,657 |
| Noninterest income to average assets | 1.0047% | 954 |
| Noninterest expense to average assets | 3.2702% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8974% | 3,540 |
| Return on assets (ROA) | 0.8974% | 3,546 |
| Pretax return on assets | 0.8974% | 4,028 |
| Return on Equity (ROE) | 9.5602% | 2,813 |
| Retained earnings to average equity (ytd only) | 0.3564% | 4,977 |
| Net charge-offs to loans | 0.0191% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 97.2174% | 769 |
| Efficiency ratio | 78.4666% | 1,074 |
| Assets per employee ($millions) | 4.4036% | 3,265 |
| Cash dividends to net income (ytd only)* | 96.2721% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 4,001 |
| Loan loss allowance to noncurrent loans | 6,662.5000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,747 |
| Noncurrent loans to loans | 0.0144% | 4,853 |
| Net loans and leases to total assets | 47.9732% | 4,719 |
| Net loans and leases to deposits | 53.1323% | 4,851 |
| Net loans and leases to core deposits | 54.8964% | 4,879 |
| Total domestic deposits to total assets | 90.2902% | 415 |
| Equity capital to assets | 8.9027% | 4,638 |
| Core capital (leverage) ratio | 10.3792% | 3,203 |
| Tier 1 risk-based capital ratio | 22.5978% | 984 |
| Total risk-based capital ratio | 23.5971% | 982 |
| Memoranda: | ||
| Average total assets | $115,587,500 | 3,899 |
| Average earning assets | $104,146,250 | 3,951 |
| Average equity | $10,850,250 | 4,221 |
| Average total loans | $55,787,250 | 4,238 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,655 |
| Cost of funding earning assets | 0.1897% | 5,075 |
| Net interest margin | 3.4778% | 3,709 |
| Noninterest income to average assets | 1.0401% | 891 |
| Noninterest expense to average assets | 3.2669% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9038% | 3,440 |
| Return on assets (ROA) | 0.9038% | 3,445 |
| Pretax return on assets | 0.9038% | 3,952 |
| Return on Equity (ROE) | 9.4676% | 2,816 |
| Retained earnings to average equity (ytd only) | 4.3905% | 3,407 |
| Net charge-offs to loans | 0.0107% | 2,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 174.6667% | 466 |
| Efficiency ratio | 78.3292% | 1,171 |
| Assets per employee ($millions) | 4.4860% | 3,144 |
| Cash dividends to net income (ytd only)* | 53.6260% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,066 |
| Loan loss allowance to noncurrent loans | 8,966.6667% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 4,794 |
| Noncurrent loans to loans | 0.0107% | 4,903 |
| Net loans and leases to total assets | 47.6062% | 4,743 |
| Net loans and leases to deposits | 52.8764% | 4,880 |
| Net loans and leases to core deposits | 54.8882% | 4,904 |
| Total domestic deposits to total assets | 90.0331% | 560 |
| Equity capital to assets | 9.2604% | 4,326 |
| Core capital (leverage) ratio | 10.6127% | 2,910 |
| Tier 1 risk-based capital ratio | 22.4075% | 992 |
| Total risk-based capital ratio | 23.3903% | 1,005 |
| Memoranda: | ||
| Average total assets | $115,952,330 | 3,930 |
| Average earning assets | $104,377,330 | 3,978 |
| Average equity | $11,069,330 | 4,222 |
| Average total loans | $55,896,670 | 4,260 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,592 |
| Cost of funding earning assets | 0.1462% | 5,287 |
| Net interest margin | 3.5040% | 3,522 |
| Noninterest income to average assets | 0.9826% | 946 |
| Noninterest expense to average assets | 3.3388% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7958% | 3,719 |
| Return on assets (ROA) | 0.7958% | 3,727 |
| Pretax return on assets | 0.7958% | 4,160 |
| Return on Equity (ROE) | 8.2117% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.6771% | 3,320 |
| Net charge-offs to loans | 0.0287% | 1,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 865 |
| Efficiency ratio | 80.7531% | 1,066 |
| Assets per employee ($millions) | 4.1493% | 3,729 |
| Cash dividends to net income (ytd only)* | 43.0435% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 4,147 |
| Loan loss allowance to noncurrent loans | 910.1695% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 4,634 |
| Noncurrent loans to loans | 0.1059% | 4,499 |
| Net loans and leases to total assets | 47.4983% | 4,721 |
| Net loans and leases to deposits | 52.7391% | 4,848 |
| Net loans and leases to core deposits | 54.2147% | 4,907 |
| Total domestic deposits to total assets | 90.0627% | 637 |
| Equity capital to assets | 9.3012% | 4,264 |
| Core capital (leverage) ratio | 10.6372% | 2,809 |
| Tier 1 risk-based capital ratio | 22.1766% | 1,028 |
| Total risk-based capital ratio | 23.1564% | 1,041 |
| Memoranda: | ||
| Average total assets | $115,610,500 | 3,972 |
| Average earning assets | $103,994,500 | 4,030 |
| Average equity | $11,203,500 | 4,245 |
| Average total loans | $55,813,000 | 4,311 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 4,844 |
| Cost of funding earning assets | 0.1345% | 5,348 |
| Net interest margin | 3.3289% | 4,073 |
| Noninterest income to average assets | 0.9794% | 1,068 |
| Noninterest expense to average assets | 3.3567% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6430% | 3,842 |
| Return on assets (ROA) | 0.6430% | 3,877 |
| Pretax return on assets | 0.6430% | 4,642 |
| Return on Equity (ROE) | 6.5808% | 3,492 |
| Retained earnings to average equity (ytd only) | 1.8988% | 4,178 |
| Net charge-offs to loans | 0.0109% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 540 |
| Efficiency ratio | 83.9229% | 777 |
| Assets per employee ($millions) | 3.9670% | 4,019 |
| Cash dividends to net income (ytd only)* | 71.1462% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 4,113 |
| Loan loss allowance to noncurrent loans | 281.7708% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 4,305 |
| Noncurrent loans to loans | 0.3434% | 3,527 |
| Net loans and leases to total assets | 48.1259% | 4,757 |
| Net loans and leases to deposits | 53.9037% | 4,903 |
| Net loans and leases to core deposits | 55.4387% | 4,954 |
| Total domestic deposits to total assets | 89.2813% | 878 |
| Equity capital to assets | 10.0841% | 3,612 |
| Core capital (leverage) ratio | 10.3619% | 3,001 |
| Tier 1 risk-based capital ratio | 22.1931% | 997 |
| Total risk-based capital ratio | 23.1916% | 1,007 |
| Memoranda: | ||
| Average total assets | $118,034,000 | 3,929 |
| Average earning assets | $107,091,400 | 3,962 |
| Average equity | $11,533,600 | 4,221 |
| Average total loans | $55,167,000 | 4,321 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4058% | 4,963 |
| Cost of funding earning assets | 0.1348% | 5,400 |
| Net interest margin | 3.2710% | 4,259 |
| Noninterest income to average assets | 0.9743% | 1,084 |
| Noninterest expense to average assets | 3.3730% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5702% | 4,504 |
| Return on assets (ROA) | 0.5702% | 4,544 |
| Pretax return on assets | 0.5702% | 4,891 |
| Return on Equity (ROE) | 5.8812% | 4,175 |
| Retained earnings to average equity (ytd only) | -0.2547% | 5,247 |
| Net charge-offs to loans | 0.0049% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 253.6779% | 348 |
| Efficiency ratio | 85.5394% | 652 |
| Assets per employee ($millions) | 4.1133% | 3,800 |
| Cash dividends to net income (ytd only)* | 104.3303% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 4,181 |
| Loan loss allowance to noncurrent loans | 698.7179% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,907 |
| Noncurrent loans to loans | 0.1404% | 4,493 |
| Net loans and leases to total assets | 46.1295% | 4,931 |
| Net loans and leases to deposits | 51.5901% | 5,067 |
| Net loans and leases to core deposits | 53.1544% | 5,099 |
| Total domestic deposits to total assets | 89.4154% | 691 |
| Equity capital to assets | 9.9299% | 3,993 |
| Core capital (leverage) ratio | 10.0521% | 3,505 |
| Tier 1 risk-based capital ratio | 21.6492% | 1,092 |
| Total risk-based capital ratio | 22.6505% | 1,108 |
| Memoranda: | ||
| Average total assets | $118,782,000 | 3,954 |
| Average earning assets | $107,814,500 | 3,998 |
| Average equity | $11,516,750 | 4,269 |
| Average total loans | $54,982,250 | 4,363 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 4,996 |
| Cost of funding earning assets | 0.1338% | 5,430 |
| Net interest margin | 3.2417% | 4,290 |
| Noninterest income to average assets | 0.9813% | 1,066 |
| Noninterest expense to average assets | 3.3251% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5969% | 4,323 |
| Return on assets (ROA) | 0.5969% | 4,365 |
| Pretax return on assets | 0.5969% | 4,813 |
| Return on Equity (ROE) | 6.2065% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.6124% | 4,136 |
| Net charge-offs to loans | 0.0110% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 580 |
| Efficiency ratio | 84.7807% | 785 |
| Assets per employee ($millions) | 3.9690% | 4,006 |
| Cash dividends to net income (ytd only)* | 57.9096% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 4,163 |
| Loan loss allowance to noncurrent loans | 680.0000% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 4,933 |
| Noncurrent loans to loans | 0.1466% | 4,525 |
| Net loans and leases to total assets | 45.3624% | 4,978 |
| Net loans and leases to deposits | 50.7756% | 5,113 |
| Net loans and leases to core deposits | 52.1870% | 5,139 |
| Total domestic deposits to total assets | 89.3390% | 789 |
| Equity capital to assets | 10.0806% | 3,819 |
| Core capital (leverage) ratio | 10.1091% | 3,393 |
| Tier 1 risk-based capital ratio | 22.1608% | 1,031 |
| Total risk-based capital ratio | 23.1693% | 1,039 |
| Memoranda: | ||
| Average total assets | $118,614,000 | 3,982 |
| Average earning assets | $107,596,330 | 4,026 |
| Average equity | $11,407,330 | 4,294 |
| Average total loans | $54,786,000 | 4,393 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 5,065 |
| Cost of funding earning assets | 0.1343% | 5,467 |
| Net interest margin | 3.1903% | 4,373 |
| Noninterest income to average assets | 0.9663% | 1,066 |
| Noninterest expense to average assets | 3.3044% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5507% | 4,377 |
| Return on assets (ROA) | 0.5507% | 4,421 |
| Pretax return on assets | 0.5507% | 4,840 |
| Return on Equity (ROE) | 5.8689% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.8886% | 3,507 |
| Net charge-offs to loans | 0.0291% | 2,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 1,031 |
| Efficiency ratio | 85.7143% | 818 |
| Assets per employee ($millions) | 3.9986% | 4,014 |
| Cash dividends to net income (ytd only)* | 33.7423% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,346 |
| Loan loss allowance to noncurrent loans | 366.8919% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 4,768 |
| Noncurrent loans to loans | 0.2699% | 4,139 |
| Net loans and leases to total assets | 45.2521% | 4,973 |
| Net loans and leases to deposits | 50.3394% | 5,114 |
| Net loans and leases to core deposits | 51.7183% | 5,155 |
| Total domestic deposits to total assets | 89.8940% | 706 |
| Equity capital to assets | 9.5758% | 4,206 |
| Core capital (leverage) ratio | 10.1171% | 3,355 |
| Tier 1 risk-based capital ratio | 24.9890% | 773 |
| Total risk-based capital ratio | 26.1280% | 768 |
| Memoranda: | ||
| Average total assets | $118,386,000 | 4,025 |
| Average earning assets | $107,201,500 | 4,062 |
| Average equity | $11,109,500 | 4,367 |
| Average total loans | $54,900,500 | 4,429 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 5,213 |
| Cost of funding earning assets | 0.1379% | 5,500 |
| Net interest margin | 3.1281% | 4,650 |
| Noninterest income to average assets | 1.1108% | 931 |
| Noninterest expense to average assets | 3.3309% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6080% | 4,173 |
| Return on assets (ROA) | 0.6080% | 4,288 |
| Pretax return on assets | 0.6080% | 4,764 |
| Return on Equity (ROE) | 6.2734% | 3,859 |
| Retained earnings to average equity (ytd only) | -0.0668% | 5,316 |
| Net charge-offs to loans | 0.0185% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 75.1000% | 750 |
| Efficiency ratio | 84.5632% | 960 |
| Assets per employee ($millions) | 3.8938% | 4,152 |
| Cash dividends to net income (ytd only)* | 101.0652% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 4,364 |
| Loan loss allowance to noncurrent loans | 352.9032% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,786 |
| Noncurrent loans to loans | 0.2820% | 4,147 |
| Net loans and leases to total assets | 46.5933% | 4,982 |
| Net loans and leases to deposits | 51.6243% | 5,141 |
| Net loans and leases to core deposits | 53.0710% | 5,177 |
| Total domestic deposits to total assets | 90.2545% | 538 |
| Equity capital to assets | 9.1873% | 4,594 |
| Core capital (leverage) ratio | 9.8759% | 3,659 |
| Tier 1 risk-based capital ratio | 24.7298% | 797 |
| Total risk-based capital ratio | 25.8756% | 789 |
| Memoranda: | ||
| Average total assets | $123,511,000 | 3,932 |
| Average earning assets | $111,663,800 | 3,977 |
| Average equity | $11,971,200 | 4,256 |
| Average total loans | $54,066,800 | 4,454 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 5,255 |
| Cost of funding earning assets | 0.1379% | 5,559 |
| Net interest margin | 3.1279% | 4,703 |
| Noninterest income to average assets | 0.9564% | 1,244 |
| Noninterest expense to average assets | 3.2719% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5102% | 4,658 |
| Return on assets (ROA) | 0.6870% | 4,052 |
| Pretax return on assets | 0.6870% | 4,644 |
| Return on Equity (ROE) | 7.0025% | 3,558 |
| Retained earnings to average equity (ytd only) | -1.0639% | 5,501 |
| Net charge-offs to loans | 0.0099% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 119.8218% | 575 |
| Efficiency ratio | 86.5108% | 786 |
| Assets per employee ($millions) | 4.1229% | 3,752 |
| Cash dividends to net income (ytd only)* | 115.1934% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 4,303 |
| Loan loss allowance to noncurrent loans | 285.0515% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 4,806 |
| Noncurrent loans to loans | 0.3575% | 3,977 |
| Net loans and leases to total assets | 43.4270% | 5,229 |
| Net loans and leases to deposits | 48.6672% | 5,358 |
| Net loans and leases to core deposits | 49.9665% | 5,387 |
| Total domestic deposits to total assets | 89.2326% | 782 |
| Equity capital to assets | 10.1708% | 3,956 |
| Core capital (leverage) ratio | 9.6040% | 4,051 |
| Tier 1 risk-based capital ratio | 26.5707% | 676 |
| Total risk-based capital ratio | 27.8249% | 658 |
| Memoranda: | ||
| Average total assets | $125,185,500 | 3,926 |
| Average earning assets | $113,086,500 | 3,970 |
| Average equity | $12,281,000 | 4,245 |
| Average total loans | $53,840,000 | 4,498 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2781% | 5,331 |
| Cost of funding earning assets | 0.1389% | 5,624 |
| Net interest margin | 3.1392% | 4,718 |
| Noninterest income to average assets | 0.9373% | 1,270 |
| Noninterest expense to average assets | 3.2080% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5697% | 4,401 |
| Return on assets (ROA) | 0.7352% | 3,788 |
| Pretax return on assets | 0.7352% | 4,512 |
| Return on Equity (ROE) | 7.5854% | 3,214 |
| Retained earnings to average equity (ytd only) | 0.9851% | 4,993 |
| Net charge-offs to loans | 0.0223% | 3,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 59.6667% | 886 |
| Efficiency ratio | 84.9200% | 972 |
| Assets per employee ($millions) | 4.1226% | 3,697 |
| Cash dividends to net income (ytd only)* | 87.0130% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 4,440 |
| Loan loss allowance to noncurrent loans | 350.9554% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,999 |
| Noncurrent loans to loans | 0.2887% | 4,338 |
| Net loans and leases to total assets | 43.5304% | 5,258 |
| Net loans and leases to deposits | 48.7685% | 5,393 |
| Net loans and leases to core deposits | 50.0684% | 5,430 |
| Total domestic deposits to total assets | 89.2593% | 779 |
| Equity capital to assets | 10.2127% | 3,958 |
| Core capital (leverage) ratio | 9.4709% | 4,239 |
| Tier 1 risk-based capital ratio | 21.7138% | 1,165 |
| Total risk-based capital ratio | 22.7215% | 1,180 |
| Memoranda: | ||
| Average total assets | $125,684,670 | 3,949 |
| Average earning assets | $113,724,000 | 3,985 |
| Average equity | $12,181,330 | 4,287 |
| Average total loans | $53,697,670 | 4,535 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3065% | 5,310 |
| Cost of funding earning assets | 0.1397% | 5,676 |
| Net interest margin | 3.1669% | 4,684 |
| Noninterest income to average assets | 0.9251% | 1,250 |
| Noninterest expense to average assets | 3.2300% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5589% | 4,376 |
| Return on assets (ROA) | 0.7893% | 3,404 |
| Pretax return on assets | 0.7893% | 4,227 |
| Return on Equity (ROE) | 8.3637% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.9738% | 4,463 |
| Net charge-offs to loans | 0.0150% | 2,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 587 |
| Efficiency ratio | 85.2500% | 1,042 |
| Assets per employee ($millions) | 4.2354% | 3,524 |
| Cash dividends to net income (ytd only)* | 76.4000% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 4,433 |
| Loan loss allowance to noncurrent loans | 353.5032% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,080 |
| Noncurrent loans to loans | 0.2921% | 4,387 |
| Net loans and leases to total assets | 41.8704% | 5,357 |
| Net loans and leases to deposits | 46.5430% | 5,487 |
| Net loans and leases to core deposits | 47.7392% | 5,518 |
| Total domestic deposits to total assets | 89.9607% | 613 |
| Equity capital to assets | 9.6151% | 4,552 |
| Core capital (leverage) ratio | 9.4309% | 4,309 |
| Tier 1 risk-based capital ratio | 24.8988% | 825 |
| Total risk-based capital ratio | 26.0629% | 818 |
| Memoranda: | ||
| Average total assets | $126,687,500 | 3,966 |
| Average earning assets | $114,560,500 | 4,000 |
| Average equity | $11,956,500 | 4,341 |
| Average total loans | $53,352,000 | 4,579 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 5,027 |
| Cost of funding earning assets | 0.1430% | 5,729 |
| Net interest margin | 3.3174% | 4,218 |
| Noninterest income to average assets | 0.8647% | 1,547 |
| Noninterest expense to average assets | 3.3603% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5123% | 4,645 |
| Return on assets (ROA) | 0.8407% | 3,226 |
| Pretax return on assets | 0.8407% | 4,061 |
| Return on Equity (ROE) | 8.9810% | 2,466 |
| Retained earnings to average equity (ytd only) | 3.1429% | 3,816 |
| Net charge-offs to loans | 0.0056% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 314 |
| Efficiency ratio | 86.7709% | 932 |
| Assets per employee ($millions) | 4.0746% | 3,806 |
| Cash dividends to net income (ytd only)* | 65.0046% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 4,300 |
| Loan loss allowance to noncurrent loans | 831.3433% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,459 |
| Noncurrent loans to loans | 0.1265% | 4,990 |
| Net loans and leases to total assets | 41.4768% | 5,439 |
| Net loans and leases to deposits | 45.9707% | 5,564 |
| Net loans and leases to core deposits | 47.3994% | 5,590 |
| Total domestic deposits to total assets | 90.2244% | 534 |
| Equity capital to assets | 9.2595% | 4,837 |
| Core capital (leverage) ratio | 9.2376% | 4,565 |
| Tier 1 risk-based capital ratio | 24.8418% | 828 |
| Total risk-based capital ratio | 26.0131% | 822 |
| Memoranda: | ||
| Average total assets | $128,826,200 | 3,909 |
| Average earning assets | $116,809,400 | 3,955 |
| Average equity | $12,058,800 | 4,296 |
| Average total loans | $53,330,800 | 4,570 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4359% | 5,127 |
| Cost of funding earning assets | 0.1417% | 5,836 |
| Net interest margin | 3.2942% | 4,374 |
| Noninterest income to average assets | 0.8260% | 1,701 |
| Noninterest expense to average assets | 3.3267% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4913% | 4,822 |
| Return on assets (ROA) | 0.6839% | 4,089 |
| Pretax return on assets | 0.6839% | 4,737 |
| Return on Equity (ROE) | 7.2868% | 3,477 |
| Retained earnings to average equity (ytd only) | -0.2743% | 5,656 |
| Net charge-offs to loans | 0.0025% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 478.1805% | 151 |
| Efficiency ratio | 87.1325% | 925 |
| Assets per employee ($millions) | 4.4814% | 3,042 |
| Cash dividends to net income (ytd only)* | 103.7648% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 4,478 |
| Loan loss allowance to noncurrent loans | 396.4539% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 5,313 |
| Noncurrent loans to loans | 0.2644% | 4,630 |
| Net loans and leases to total assets | 40.6019% | 5,562 |
| Net loans and leases to deposits | 45.0042% | 5,687 |
| Net loans and leases to core deposits | 46.3600% | 5,724 |
| Total domestic deposits to total assets | 90.2179% | 497 |
| Equity capital to assets | 9.2273% | 5,086 |
| Core capital (leverage) ratio | 8.6612% | 5,399 |
| Tier 1 risk-based capital ratio | 18.8015% | 1,823 |
| Total risk-based capital ratio | 19.7228% | 1,870 |
| Memoranda: | ||
| Average total assets | $129,454,250 | 3,936 |
| Average earning assets | $117,579,000 | 3,969 |
| Average equity | $12,149,500 | 4,326 |
| Average total loans | $53,426,500 | 4,619 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 5,050 |
| Cost of funding earning assets | 0.1421% | 5,906 |
| Net interest margin | 3.3333% | 4,163 |
| Noninterest income to average assets | 0.8029% | 1,766 |
| Noninterest expense to average assets | 3.3569% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4579% | 4,953 |
| Return on assets (ROA) | 0.7472% | 3,750 |
| Pretax return on assets | 0.7472% | 4,503 |
| Return on Equity (ROE) | 7.9167% | 3,104 |
| Retained earnings to average equity (ytd only) | 2.7700% | 4,287 |
| Net charge-offs to loans | -0.0037% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9968% | 909 |
| Assets per employee ($millions) | 4.4375% | 3,083 |
| Cash dividends to net income (ytd only)* | 65.0104% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 4,466 |
| Loan loss allowance to noncurrent loans | 395.0704% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 5,418 |
| Noncurrent loans to loans | 0.2718% | 4,694 |
| Net loans and leases to total assets | 40.1638% | 5,618 |
| Net loans and leases to deposits | 44.4389% | 5,747 |
| Net loans and leases to core deposits | 45.7893% | 5,777 |
| Total domestic deposits to total assets | 90.3798% | 506 |
| Equity capital to assets | 9.1205% | 5,121 |
| Core capital (leverage) ratio | 8.9457% | 5,033 |
| Tier 1 risk-based capital ratio | 19.3573% | 1,709 |
| Total risk-based capital ratio | 20.2933% | 1,754 |
| Memoranda: | ||
| Average total assets | $129,285,000 | 3,972 |
| Average earning assets | $116,820,670 | 4,016 |
| Average equity | $12,202,000 | 4,344 |
| Average total loans | $53,460,000 | 4,660 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 4,941 |
| Cost of funding earning assets | 0.1434% | 5,979 |
| Net interest margin | 3.3636% | 3,975 |
| Noninterest income to average assets | 0.7964% | 1,723 |
| Noninterest expense to average assets | 3.3152% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5217% | 4,576 |
| Return on assets (ROA) | 0.5217% | 4,693 |
| Pretax return on assets | 0.5217% | 5,119 |
| Return on Equity (ROE) | 5.4365% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.9917% | 4,184 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4039% | 1,144 |
| Assets per employee ($millions) | 4.4253% | 3,167 |
| Cash dividends to net income (ytd only)* | 44.9704% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,830 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 5,487 |
| Noncurrent loans to loans | 0.2856% | 4,750 |
| Net loans and leases to total assets | 40.1928% | 5,589 |
| Net loans and leases to deposits | 44.6012% | 5,730 |
| Net loans and leases to core deposits | 46.4513% | 5,734 |
| Total domestic deposits to total assets | 90.1160% | 691 |
| Equity capital to assets | 9.4765% | 4,776 |
| Core capital (leverage) ratio | 8.9636% | 4,995 |
| Tier 1 risk-based capital ratio | 19.0304% | 1,857 |
| Total risk-based capital ratio | 19.9551% | 1,905 |
| Memoranda: | ||
| Average total assets | $129,583,500 | 3,998 |
| Average earning assets | $117,137,500 | 4,037 |
| Average equity | $12,434,500 | 4,332 |
| Average total loans | $54,066,500 | 4,672 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7201% | 4,723 |
| Cost of funding earning assets | 0.1625% | 6,027 |
| Net interest margin | 3.5577% | 3,565 |
| Noninterest income to average assets | 0.8423% | 1,708 |
| Noninterest expense to average assets | 3.2604% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8055% | 3,342 |
| Return on assets (ROA) | 0.8697% | 3,117 |
| Pretax return on assets | 0.8517% | 4,067 |
| Return on Equity (ROE) | 9.4756% | 2,353 |
| Retained earnings to average equity (ytd only) | 1.5949% | 5,029 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5453% | 1,842 |
| Assets per employee ($millions) | 4.0776% | 3,765 |
| Cash dividends to net income (ytd only)* | 83.1683% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 4,887 |
| Loan loss allowance to noncurrent loans | 347.8261% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 5,524 |
| Noncurrent loans to loans | 0.2970% | 4,785 |
| Net loans and leases to total assets | 42.4446% | 5,582 |
| Net loans and leases to deposits | 47.2497% | 5,731 |
| Net loans and leases to core deposits | 49.0587% | 5,761 |
| Total domestic deposits to total assets | 89.8305% | 808 |
| Equity capital to assets | 9.7210% | 4,437 |
| Core capital (leverage) ratio | 8.8955% | 5,128 |
| Tier 1 risk-based capital ratio | 17.1360% | 2,458 |
| Total risk-based capital ratio | 17.9754% | 2,583 |
| Memoranda: | ||
| Average total assets | $127,744,000 | 4,019 |
| Average earning assets | $115,103,000 | 4,070 |
| Average equity | $11,724,800 | 4,412 |
| Average total loans | $54,859,600 | 4,657 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 4,775 |
| Cost of funding earning assets | 0.1654% | 6,091 |
| Net interest margin | 3.5635% | 3,581 |
| Noninterest income to average assets | 0.8276% | 1,788 |
| Noninterest expense to average assets | 3.2250% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8328% | 3,269 |
| Return on assets (ROA) | 0.9182% | 2,927 |
| Pretax return on assets | 0.8942% | 4,014 |
| Return on Equity (ROE) | 10.1517% | 2,145 |
| Retained earnings to average equity (ytd only) | -0.4834% | 5,872 |
| Net charge-offs to loans | -0.0024% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9484% | 1,930 |
| Assets per employee ($millions) | 4.2909% | 3,309 |
| Cash dividends to net income (ytd only)* | 104.7620% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 5,208 |
| Loan loss allowance to noncurrent loans | 357.3248% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 5,683 |
| Noncurrent loans to loans | 0.2804% | 5,070 |
| Net loans and leases to total assets | 43.0566% | 5,593 |
| Net loans and leases to deposits | 47.6295% | 5,786 |
| Net loans and leases to core deposits | 49.5233% | 5,814 |
| Total domestic deposits to total assets | 90.3990% | 570 |
| Equity capital to assets | 9.0790% | 5,266 |
| Core capital (leverage) ratio | 8.7330% | 5,404 |
| Tier 1 risk-based capital ratio | 16.5158% | 2,811 |
| Total risk-based capital ratio | 17.3428% | 2,965 |
| Memoranda: | ||
| Average total assets | $128,078,250 | 4,044 |
| Average earning assets | $115,238,750 | 4,105 |
| Average equity | $11,584,000 | 4,465 |
| Average total loans | $55,021,250 | 4,689 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 4,741 |
| Cost of funding earning assets | 0.1723% | 6,119 |
| Net interest margin | 3.5651% | 3,509 |
| Noninterest income to average assets | 0.8243% | 1,752 |
| Noninterest expense to average assets | 3.2097% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8556% | 3,043 |
| Return on assets (ROA) | 0.9839% | 2,469 |
| Pretax return on assets | 0.9479% | 3,687 |
| Return on Equity (ROE) | 10.8921% | 1,776 |
| Retained earnings to average equity (ytd only) | 3.9308% | 3,682 |
| Net charge-offs to loans | -0.0110% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6584% | 2,071 |
| Assets per employee ($millions) | 4.3995% | 3,088 |
| Cash dividends to net income (ytd only)* | 63.9110% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 5,210 |
| Loan loss allowance to noncurrent loans | 407.9710% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 5,836 |
| Noncurrent loans to loans | 0.2524% | 5,252 |
| Net loans and leases to total assets | 42.4141% | 5,648 |
| Net loans and leases to deposits | 47.0991% | 5,822 |
| Net loans and leases to core deposits | 49.1115% | 5,843 |
| Total domestic deposits to total assets | 90.0529% | 780 |
| Equity capital to assets | 9.4894% | 4,762 |
| Core capital (leverage) ratio | 8.9889% | 5,036 |
| Tier 1 risk-based capital ratio | 17.4699% | 2,428 |
| Total risk-based capital ratio | 18.3272% | 2,550 |
| Memoranda: | ||
| Average total assets | $127,862,330 | 4,075 |
| Average earning assets | $114,947,000 | 4,128 |
| Average equity | $11,549,670 | 4,485 |
| Average total loans | $54,699,670 | 4,728 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,721 |
| Cost of funding earning assets | 0.1912% | 6,070 |
| Net interest margin | 3.5451% | 3,501 |
| Noninterest income to average assets | 0.8000% | 1,750 |
| Noninterest expense to average assets | 3.2062% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8531% | 2,883 |
| Return on assets (ROA) | 0.8531% | 2,953 |
| Pretax return on assets | 0.7812% | 4,176 |
| Return on Equity (ROE) | 9.6886% | 2,161 |
| Retained earnings to average equity (ytd only) | 5.5363% | 2,771 |
| Net charge-offs to loans | -0.0219% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4075% | 2,147 |
| Assets per employee ($millions) | 4.2910% | 3,357 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,421 |
| Loan loss allowance to noncurrent loans | 222.5296% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 5,633 |
| Noncurrent loans to loans | 0.4610% | 4,773 |
| Net loans and leases to total assets | 42.1926% | 5,654 |
| Net loans and leases to deposits | 46.5356% | 5,817 |
| Net loans and leases to core deposits | 48.4890% | 5,846 |
| Total domestic deposits to total assets | 90.6674% | 699 |
| Equity capital to assets | 8.9730% | 5,146 |
| Core capital (leverage) ratio | 9.0517% | 4,934 |
| Tier 1 risk-based capital ratio | 17.4862% | 2,478 |
| Total risk-based capital ratio | 18.3497% | 2,592 |
| Memoranda: | ||
| Average total assets | $128,001,000 | 4,103 |
| Average earning assets | $115,087,000 | 4,158 |
| Average equity | $11,271,000 | 4,556 |
| Average total loans | $54,711,000 | 4,765 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 5,307 |
| Cost of funding earning assets | 0.2578% | 5,922 |
| Net interest margin | 3.3808% | 4,360 |
| Noninterest income to average assets | 1.0041% | 1,387 |
| Noninterest expense to average assets | 3.1830% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8546% | 3,007 |
| Return on assets (ROA) | 0.8546% | 3,086 |
| Pretax return on assets | 0.8546% | 3,942 |
| Return on Equity (ROE) | 9.3024% | 2,413 |
| Retained earnings to average equity (ytd only) | 2.2528% | 4,645 |
| Net charge-offs to loans | 0.0326% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 684 |
| Efficiency ratio | 78.8345% | 2,346 |
| Assets per employee ($millions) | 4.1055% | 3,640 |
| Cash dividends to net income (ytd only)* | 75.7827% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 5,437 |
| Loan loss allowance to noncurrent loans | 746.6667% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 6,183 |
| Noncurrent loans to loans | 0.1375% | 5,799 |
| Net loans and leases to total assets | 42.4166% | 5,800 |
| Net loans and leases to deposits | 46.6356% | 5,972 |
| Net loans and leases to core deposits | 48.6084% | 5,999 |
| Total domestic deposits to total assets | 90.9532% | 590 |
| Equity capital to assets | 8.6359% | 5,443 |
| Core capital (leverage) ratio | 8.8013% | 5,275 |
| Tier 1 risk-based capital ratio | 17.0121% | 2,599 |
| Total risk-based capital ratio | 17.8592% | 2,760 |
| Memoranda: | ||
| Average total assets | $127,081,200 | 4,126 |
| Average earning assets | $114,026,000 | 4,181 |
| Average equity | $11,674,400 | 4,514 |
| Average total loans | $55,154,800 | 4,777 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5727% | 5,517 |
| Cost of funding earning assets | 0.2666% | 5,982 |
| Net interest margin | 3.3061% | 4,613 |
| Noninterest income to average assets | 1.0202% | 1,396 |
| Noninterest expense to average assets | 3.1424% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8449% | 3,124 |
| Return on assets (ROA) | 0.8449% | 3,242 |
| Pretax return on assets | 0.8449% | 4,119 |
| Return on Equity (ROE) | 9.0611% | 2,602 |
| Retained earnings to average equity (ytd only) | -0.2026% | 5,978 |
| Net charge-offs to loans | 0.0169% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 115.0386% | 444 |
| Efficiency ratio | 78.8102% | 2,287 |
| Assets per employee ($millions) | 3.9758% | 3,883 |
| Cash dividends to net income (ytd only)* | 102.2361% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 5,445 |
| Loan loss allowance to noncurrent loans | 582.6531% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 6,207 |
| Noncurrent loans to loans | 0.1836% | 5,781 |
| Net loans and leases to total assets | 41.5101% | 5,935 |
| Net loans and leases to deposits | 45.8080% | 6,115 |
| Net loans and leases to core deposits | 47.8812% | 6,130 |
| Total domestic deposits to total assets | 90.6176% | 695 |
| Equity capital to assets | 8.8967% | 5,304 |
| Core capital (leverage) ratio | 8.6058% | 5,654 |
| Tier 1 risk-based capital ratio | 16.9534% | 2,727 |
| Total risk-based capital ratio | 17.8362% | 2,865 |
| Memoranda: | ||
| Average total assets | $127,033,750 | 4,178 |
| Average earning assets | $114,009,000 | 4,223 |
| Average equity | $11,845,250 | 4,529 |
| Average total loans | $55,307,500 | 4,815 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 5,612 |
| Cost of funding earning assets | 0.2759% | 6,015 |
| Net interest margin | 3.2618% | 4,724 |
| Noninterest income to average assets | 1.0963% | 1,263 |
| Noninterest expense to average assets | 3.1630% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8569% | 3,011 |
| Return on assets (ROA) | 0.8569% | 3,159 |
| Pretax return on assets | 0.8569% | 4,088 |
| Return on Equity (ROE) | 9.0511% | 2,586 |
| Retained earnings to average equity (ytd only) | 5.3741% | 2,825 |
| Net charge-offs to loans | 0.0036% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 544.0000% | 77 |
| Efficiency ratio | 78.6834% | 2,355 |
| Assets per employee ($millions) | 4.1577% | 3,455 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,632 |
| Loan loss allowance to noncurrent loans | 577.0000% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 6,267 |
| Noncurrent loans to loans | 0.1818% | 5,863 |
| Net loans and leases to total assets | 42.2343% | 5,884 |
| Net loans and leases to deposits | 46.4316% | 6,078 |
| Net loans and leases to core deposits | 49.1517% | 6,072 |
| Total domestic deposits to total assets | 90.9604% | 560 |
| Equity capital to assets | 8.6152% | 5,650 |
| Core capital (leverage) ratio | 8.8012% | 5,285 |
| Tier 1 risk-based capital ratio | 16.6023% | 2,888 |
| Total risk-based capital ratio | 17.4497% | 3,040 |
| Memoranda: | ||
| Average total assets | $126,969,330 | 4,209 |
| Average earning assets | $113,800,670 | 4,260 |
| Average equity | $12,020,670 | 4,526 |
| Average total loans | $55,949,000 | 4,819 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 5,527 |
| Cost of funding earning assets | 0.2829% | 6,085 |
| Net interest margin | 3.2888% | 4,558 |
| Noninterest income to average assets | 0.8222% | 2,034 |
| Noninterest expense to average assets | 3.1870% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5873% | 4,286 |
| Return on assets (ROA) | 0.5873% | 4,432 |
| Pretax return on assets | 0.5873% | 4,993 |
| Return on Equity (ROE) | 5.9300% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.9747% | 3,849 |
| Net charge-offs to loans | 0.0142% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 415 |
| Efficiency ratio | 84.4407% | 1,709 |
| Assets per employee ($millions) | 3.9537% | 4,059 |
| Cash dividends to net income (ytd only)* | 32.9730% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 5,826 |
| Loan loss allowance to noncurrent loans | 270.4225% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 6,067 |
| Noncurrent loans to loans | 0.3852% | 5,447 |
| Net loans and leases to total assets | 43.2457% | 5,736 |
| Net loans and leases to deposits | 48.1502% | 5,914 |
| Net loans and leases to core deposits | 51.4524% | 5,864 |
| Total domestic deposits to total assets | 89.8142% | 1,154 |
| Equity capital to assets | 9.8626% | 4,329 |
| Core capital (leverage) ratio | 8.9315% | 5,002 |
| Tier 1 risk-based capital ratio | 16.4726% | 3,019 |
| Total risk-based capital ratio | 17.3269% | 3,176 |
| Memoranda: | ||
| Average total assets | $126,010,000 | 4,263 |
| Average earning assets | $113,112,000 | 4,307 |
| Average equity | $12,479,000 | 4,478 |
| Average total loans | $56,417,500 | 4,845 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 5,526 |
| Cost of funding earning assets | 0.3314% | 6,306 |
| Net interest margin | 3.5850% | 4,156 |
| Noninterest income to average assets | 0.9118% | 1,825 |
| Noninterest expense to average assets | 3.2633% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8508% | 3,037 |
| Return on assets (ROA) | 0.8508% | 3,289 |
| Pretax return on assets | 0.8508% | 4,102 |
| Return on Equity (ROE) | 8.7602% | 2,759 |
| Retained earnings to average equity (ytd only) | 2.3877% | 4,551 |
| Net charge-offs to loans | -0.0325% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3190% | 2,241 |
| Assets per employee ($millions) | 3.8031% | 4,360 |
| Cash dividends to net income (ytd only)* | 72.7442% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 5,943 |
| Loan loss allowance to noncurrent loans | 166.0920% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 5,684 |
| Noncurrent loans to loans | 0.6047% | 5,007 |
| Net loans and leases to total assets | 45.3917% | 5,680 |
| Net loans and leases to deposits | 50.6220% | 5,910 |
| Net loans and leases to core deposits | 53.7937% | 5,892 |
| Total domestic deposits to total assets | 89.6678% | 1,143 |
| Equity capital to assets | 9.9441% | 4,251 |
| Core capital (leverage) ratio | 8.7850% | 5,203 |
| Tier 1 risk-based capital ratio | 15.8124% | 3,264 |
| Total risk-based capital ratio | 16.6446% | 3,452 |
| Memoranda: | ||
| Average total assets | $126,344,600 | 4,221 |
| Average earning assets | $112,858,600 | 4,277 |
| Average equity | $12,271,400 | 4,510 |
| Average total loans | $58,471,600 | 4,775 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 5,533 |
| Cost of funding earning assets | 0.3397% | 6,423 |
| Net interest margin | 3.6556% | 3,983 |
| Noninterest income to average assets | 0.8934% | 1,851 |
| Noninterest expense to average assets | 3.2375% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9208% | 2,876 |
| Return on assets (ROA) | 0.9208% | 3,100 |
| Pretax return on assets | 0.9208% | 4,026 |
| Return on Equity (ROE) | 9.5366% | 2,574 |
| Retained earnings to average equity (ytd only) | 1.0038% | 5,769 |
| Net charge-offs to loans | -0.0431% | 6,666 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8566% | 2,416 |
| Assets per employee ($millions) | 3.9480% | 3,980 |
| Cash dividends to net income (ytd only)* | 89.4740% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,098 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 5,998 |
| Noncurrent loans to loans | 0.4983% | 5,448 |
| Net loans and leases to total assets | 45.4459% | 5,824 |
| Net loans and leases to deposits | 50.7195% | 6,057 |
| Net loans and leases to core deposits | 53.5683% | 6,077 |
| Total domestic deposits to total assets | 89.6024% | 1,069 |
| Equity capital to assets | 9.9409% | 4,585 |
| Core capital (leverage) ratio | 8.6570% | 5,543 |
| Tier 1 risk-based capital ratio | 15.2055% | 3,701 |
| Total risk-based capital ratio | 16.0207% | 3,954 |
| Memoranda: | ||
| Average total assets | $126,555,500 | 4,262 |
| Average earning assets | $113,030,500 | 4,313 |
| Average equity | $12,219,250 | 4,558 |
| Average total loans | $58,703,250 | 4,811 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 5,348 |
| Cost of funding earning assets | 0.3495% | 6,511 |
| Net interest margin | 3.7418% | 3,631 |
| Noninterest income to average assets | 0.8908% | 1,820 |
| Noninterest expense to average assets | 3.1999% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0393% | 2,302 |
| Return on assets (ROA) | 1.0393% | 2,526 |
| Pretax return on assets | 1.0393% | 3,561 |
| Return on Equity (ROE) | 10.8706% | 2,035 |
| Retained earnings to average equity (ytd only) | 5.6831% | 2,885 |
| Net charge-offs to loans | -0.0441% | 6,629 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4844% | 2,826 |
| Assets per employee ($millions) | 3.8880% | 4,103 |
| Cash dividends to net income (ytd only)* | 47.7204% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,263 |
| Loan loss allowance to noncurrent loans | 189.4040% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 6,027 |
| Noncurrent loans to loans | 0.5120% | 5,506 |
| Net loans and leases to total assets | 46.9526% | 5,728 |
| Net loans and leases to deposits | 52.4272% | 5,998 |
| Net loans and leases to core deposits | 55.2856% | 6,001 |
| Total domestic deposits to total assets | 89.5577% | 1,193 |
| Equity capital to assets | 10.0235% | 4,296 |
| Core capital (leverage) ratio | 8.8281% | 5,169 |
| Tier 1 risk-based capital ratio | 15.5542% | 3,405 |
| Total risk-based capital ratio | 16.3607% | 3,661 |
| Memoranda: | ||
| Average total assets | $126,628,330 | 4,277 |
| Average earning assets | $113,313,670 | 4,328 |
| Average equity | $12,106,000 | 4,578 |
| Average total loans | $58,940,000 | 4,827 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 4,983 |
| Cost of funding earning assets | 0.3557% | 6,615 |
| Net interest margin | 3.8776% | 3,018 |
| Noninterest income to average assets | 0.9050% | 1,725 |
| Noninterest expense to average assets | 3.1597% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2276% | 1,662 |
| Return on assets (ROA) | 1.2276% | 1,841 |
| Pretax return on assets | 1.2276% | 2,808 |
| Return on Equity (ROE) | 13.1505% | 1,368 |
| Retained earnings to average equity (ytd only) | 11.3054% | 963 |
| Net charge-offs to loans | -0.0611% | 6,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0200% | 3,442 |
| Assets per employee ($millions) | 4.1175% | 3,755 |
| Cash dividends to net income (ytd only)* | 14.0306% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 6,332 |
| Loan loss allowance to noncurrent loans | 177.5000% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 6,281 |
| Noncurrent loans to loans | 0.5497% | 5,561 |
| Net loans and leases to total assets | 43.7530% | 6,038 |
| Net loans and leases to deposits | 48.3507% | 6,270 |
| Net loans and leases to core deposits | 50.5329% | 6,304 |
| Total domestic deposits to total assets | 90.4910% | 809 |
| Equity capital to assets | 9.2236% | 5,200 |
| Core capital (leverage) ratio | 8.6853% | 5,319 |
| Tier 1 risk-based capital ratio | 15.3347% | 3,537 |
| Total risk-based capital ratio | 16.1247% | 3,810 |
| Memoranda: | ||
| Average total assets | $127,734,000 | 4,285 |
| Average earning assets | $114,710,000 | 4,317 |
| Average equity | $11,923,500 | 4,629 |
| Average total loans | $58,915,500 | 4,860 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 6,298 |
| Cost of funding earning assets | 0.4771% | 6,627 |
| Net interest margin | 3.6124% | 4,681 |
| Noninterest income to average assets | 0.9287% | 1,576 |
| Noninterest expense to average assets | 3.3975% | 2,250 |
| Loan and lease loss provision to assets | 0.0724% | 5,707 |
| Net operating income to assets | 0.6234% | 3,870 |
| Return on assets (ROA) | 1.0964% | 1,965 |
| Pretax return on assets | 1.2380% | 2,330 |
| Return on Equity (ROE) | 11.8882% | 1,436 |
| Retained earnings to average equity (ytd only) | 5.7102% | 2,169 |
| Net charge-offs to loans | 0.1115% | 5,258 |
| Credit loss provision to net charge-offs | 136.9231% | 2,175 |
| Earnings coverage of net charge-offs (x) | 14.7231% | 1,436 |
| Efficiency ratio | 81.3487% | 2,110 |
| Assets per employee ($millions) | 3.8659% | 4,168 |
| Cash dividends to net income (ytd only)* | 51.9673% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,436 |
| Loan loss allowance to noncurrent loans | 282.3232% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 6,546 |
| Noncurrent loans to loans | 0.3321% | 6,063 |
| Net loans and leases to total assets | 47.7374% | 5,854 |
| Net loans and leases to deposits | 53.0145% | 6,137 |
| Net loans and leases to core deposits | 55.7081% | 6,176 |
| Total domestic deposits to total assets | 90.0459% | 971 |
| Equity capital to assets | 9.4529% | 4,959 |
| Core capital (leverage) ratio | 8.6920% | 5,264 |
| Tier 1 risk-based capital ratio | 14.9428% | 3,674 |
| Total risk-based capital ratio | 15.7244% | 3,970 |
| Memoranda: | ||
| Average total assets | $122,855,400 | 4,326 |
| Average earning assets | $110,453,200 | 4,382 |
| Average equity | $11,330,600 | 4,705 |
| Average total loans | $58,284,600 | 4,933 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 6,465 |
| Cost of funding earning assets | 0.5002% | 6,693 |
| Net interest margin | 3.5738% | 4,873 |
| Noninterest income to average assets | 0.9078% | 1,617 |
| Noninterest expense to average assets | 3.3734% | 2,268 |
| Loan and lease loss provision to assets | 0.0968% | 5,250 |
| Net operating income to assets | 0.5636% | 4,258 |
| Return on assets (ROA) | 1.1741% | 1,848 |
| Pretax return on assets | 1.3633% | 2,073 |
| Return on Equity (ROE) | 12.8113% | 1,327 |
| Retained earnings to average equity (ytd only) | 4.5077% | 3,517 |
| Net charge-offs to loans | 0.1541% | 4,535 |
| Credit loss provision to net charge-offs | 132.8358% | 2,398 |
| Earnings coverage of net charge-offs (x) | 10.2987% | 1,946 |
| Efficiency ratio | 81.8086% | 2,006 |
| Assets per employee ($millions) | 3.8697% | 4,144 |
| Cash dividends to net income (ytd only)* | 64.8150% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,491 |
| Loan loss allowance to noncurrent loans | 188.8136% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 6,465 |
| Noncurrent loans to loans | 0.4964% | 5,852 |
| Net loans and leases to total assets | 47.5382% | 6,010 |
| Net loans and leases to deposits | 52.7927% | 6,310 |
| Net loans and leases to core deposits | 55.2571% | 6,372 |
| Total domestic deposits to total assets | 90.0469% | 844 |
| Equity capital to assets | 9.3547% | 5,296 |
| Core capital (leverage) ratio | 8.4241% | 5,817 |
| Tier 1 risk-based capital ratio | 14.7339% | 3,814 |
| Total risk-based capital ratio | 15.5214% | 4,108 |
| Memoranda: | ||
| Average total assets | $122,642,250 | 4,350 |
| Average earning assets | $110,357,000 | 4,412 |
| Average equity | $11,239,750 | 4,748 |
| Average total loans | $57,952,250 | 4,998 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 6,256 |
| Cost of funding earning assets | 0.5164% | 6,792 |
| Net interest margin | 3.6966% | 4,278 |
| Noninterest income to average assets | 0.8982% | 1,653 |
| Noninterest expense to average assets | 3.3555% | 2,383 |
| Loan and lease loss provision to assets | 0.1783% | 4,138 |
| Net operating income to assets | 0.5677% | 4,223 |
| Return on assets (ROA) | 1.3056% | 1,375 |
| Pretax return on assets | 1.5902% | 1,273 |
| Return on Equity (ROE) | 14.3461% | 909 |
| Retained earnings to average equity (ytd only) | 9.6719% | 923 |
| Net charge-offs to loans | 0.3446% | 3,179 |
| Credit loss provision to net charge-offs | 110.1010% | 2,788 |
| Earnings coverage of net charge-offs (x) | 5.3636% | 2,631 |
| Efficiency ratio | 79.4345% | 2,475 |
| Assets per employee ($millions) | 3.9260% | 3,934 |
| Cash dividends to net income (ytd only)* | 32.5815% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,538 |
| Loan loss allowance to noncurrent loans | 187.2852% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,532 |
| Noncurrent loans to loans | 0.5035% | 5,896 |
| Net loans and leases to total assets | 47.0367% | 6,149 |
| Net loans and leases to deposits | 52.2174% | 6,456 |
| Net loans and leases to core deposits | 54.5620% | 6,528 |
| Total domestic deposits to total assets | 90.0786% | 934 |
| Equity capital to assets | 9.3700% | 5,037 |
| Core capital (leverage) ratio | 8.6878% | 5,240 |
| Tier 1 risk-based capital ratio | 15.6683% | 3,148 |
| Total risk-based capital ratio | 16.4756% | 3,349 |
| Memoranda: | ||
| Average total assets | $122,246,000 | 4,382 |
| Average earning assets | $109,994,330 | 4,447 |
| Average equity | $11,125,000 | 4,777 |
| Average total loans | $57,461,670 | 5,064 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 6,540 |
| Cost of funding earning assets | 0.5405% | 6,828 |
| Net interest margin | 3.5406% | 4,849 |
| Noninterest income to average assets | 0.8815% | 1,725 |
| Noninterest expense to average assets | 3.3433% | 2,431 |
| Loan and lease loss provision to assets | 0.2449% | 3,216 |
| Net operating income to assets | 0.3608% | 5,121 |
| Return on assets (ROA) | 1.7075% | 602 |
| Pretax return on assets | 2.2756% | 358 |
| Return on Equity (ROE) | 19.0433% | 397 |
| Retained earnings to average equity (ytd only) | 15.9483% | 324 |
| Net charge-offs to loans | 0.5306% | 2,166 |
| Credit loss provision to net charge-offs | 98.6842% | 2,769 |
| Earnings coverage of net charge-offs (x) | 2.9211% | 2,915 |
| Efficiency ratio | 82.1830% | 2,196 |
| Assets per employee ($millions) | 3.7596% | 4,394 |
| Cash dividends to net income (ytd only)* | 16.2524% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 6,566 |
| Loan loss allowance to noncurrent loans | 231.1688% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 6,689 |
| Noncurrent loans to loans | 0.4086% | 6,180 |
| Net loans and leases to total assets | 45.1357% | 6,367 |
| Net loans and leases to deposits | 49.7331% | 6,640 |
| Net loans and leases to core deposits | 52.0055% | 6,677 |
| Total domestic deposits to total assets | 90.7557% | 736 |
| Equity capital to assets | 8.7784% | 5,530 |
| Core capital (leverage) ratio | 8.5593% | 5,335 |
| Tier 1 risk-based capital ratio | 14.4063% | 3,800 |
| Total risk-based capital ratio | 15.1405% | 4,124 |
| Memoranda: | ||
| Average total assets | $122,515,500 | 4,403 |
| Average earning assets | $110,265,000 | 4,460 |
| Average equity | $10,985,500 | 4,804 |
| Average total loans | $57,296,500 | 5,120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 6,157 |
| Cost of funding earning assets | 0.7804% | 6,644 |
| Net interest margin | 3.8041% | 3,923 |
| Noninterest income to average assets | 1.0029% | 1,494 |
| Noninterest expense to average assets | 3.4597% | 2,279 |
| Loan and lease loss provision to assets | 0.0851% | 6,300 |
| Net operating income to assets | 0.8668% | 2,527 |
| Return on assets (ROA) | 0.8668% | 2,662 |
| Pretax return on assets | 0.8668% | 3,417 |
| Return on Equity (ROE) | 9.3097% | 2,175 |
| Retained earnings to average equity (ytd only) | 1.3156% | 4,889 |
| Net charge-offs to loans | 0.0225% | 6,585 |
| Credit loss provision to net charge-offs | 769.2308% | 280 |
| Earnings coverage of net charge-offs (x) | 86.0769% | 284 |
| Efficiency ratio | 78.4227% | 2,632 |
| Assets per employee ($millions) | 3.5578% | 4,807 |
| Cash dividends to net income (ytd only)* | 85.8685% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 6,659 |
| Loan loss allowance to noncurrent loans | 210.6299% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 6,704 |
| Noncurrent loans to loans | 0.4375% | 6,164 |
| Net loans and leases to total assets | 47.5559% | 6,433 |
| Net loans and leases to deposits | 52.5563% | 6,710 |
| Net loans and leases to core deposits | 55.7045% | 6,706 |
| Total domestic deposits to total assets | 90.4857% | 842 |
| Equity capital to assets | 9.1597% | 4,902 |
| Core capital (leverage) ratio | 8.2589% | 5,741 |
| Tier 1 risk-based capital ratio | 13.5050% | 4,195 |
| Total risk-based capital ratio | 14.2246% | 4,589 |
| Memoranda: | ||
| Average total assets | $117,553,400 | 4,537 |
| Average earning assets | $105,334,800 | 4,585 |
| Average equity | $10,945,600 | 4,877 |
| Average total loans | $57,681,600 | 5,171 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 6,182 |
| Cost of funding earning assets | 0.8310% | 6,650 |
| Net interest margin | 3.8219% | 3,872 |
| Noninterest income to average assets | 1.0157% | 1,426 |
| Noninterest expense to average assets | 3.4161% | 2,245 |
| Loan and lease loss provision to assets | 0.0811% | 6,236 |
| Net operating income to assets | 0.9391% | 2,456 |
| Return on assets (ROA) | 0.9391% | 2,589 |
| Pretax return on assets | 0.9391% | 3,412 |
| Return on Equity (ROE) | 10.0437% | 2,105 |
| Retained earnings to average equity (ytd only) | -0.6475% | 5,956 |
| Net charge-offs to loans | 0.0255% | 6,316 |
| Credit loss provision to net charge-offs | 645.4545% | 454 |
| Earnings coverage of net charge-offs (x) | 81.1616% | 379 |
| Efficiency ratio | 77.0023% | 2,761 |
| Assets per employee ($millions) | 3.5489% | 4,858 |
| Cash dividends to net income (ytd only)* | 106.4482% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 6,801 |
| Loan loss allowance to noncurrent loans | 508.0000% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 7,137 |
| Noncurrent loans to loans | 0.1733% | 6,837 |
| Net loans and leases to total assets | 47.3993% | 6,571 |
| Net loans and leases to deposits | 52.6595% | 6,854 |
| Net loans and leases to core deposits | 55.6460% | 6,878 |
| Total domestic deposits to total assets | 90.0109% | 876 |
| Equity capital to assets | 9.5009% | 4,842 |
| Core capital (leverage) ratio | 8.1193% | 6,166 |
| Tier 1 risk-based capital ratio | 13.2466% | 4,391 |
| Total risk-based capital ratio | 13.9302% | 4,817 |
| Memoranda: | ||
| Average total assets | $116,700,500 | 4,620 |
| Average earning assets | $104,447,500 | 4,655 |
| Average equity | $10,912,000 | 4,948 |
| Average total loans | $57,586,750 | 5,247 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 5,927 |
| Cost of funding earning assets | 0.8675% | 6,702 |
| Net interest margin | 3.8931% | 3,481 |
| Noninterest income to average assets | 1.0227% | 1,306 |
| Noninterest expense to average assets | 3.4252% | 2,206 |
| Loan and lease loss provision to assets | 0.0659% | 6,292 |
| Net operating income to assets | 1.0088% | 2,159 |
| Return on assets (ROA) | 1.0088% | 2,236 |
| Pretax return on assets | 1.0088% | 3,079 |
| Return on Equity (ROE) | 10.8501% | 1,794 |
| Retained earnings to average equity (ytd only) | 3.0574% | 4,153 |
| Net charge-offs to loans | -0.0070% | 7,151 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1171% | 3,057 |
| Assets per employee ($millions) | 3.4175% | 5,135 |
| Cash dividends to net income (ytd only)* | 71.8213% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 6,963 |
| Loan loss allowance to noncurrent loans | 343.6620% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 7,093 |
| Noncurrent loans to loans | 0.2415% | 6,750 |
| Net loans and leases to total assets | 48.7455% | 6,570 |
| Net loans and leases to deposits | 54.0843% | 6,859 |
| Net loans and leases to core deposits | 57.8463% | 6,838 |
| Total domestic deposits to total assets | 90.1288% | 851 |
| Equity capital to assets | 9.4364% | 4,808 |
| Core capital (leverage) ratio | 8.5530% | 5,318 |
| Tier 1 risk-based capital ratio | 14.1399% | 3,641 |
| Total risk-based capital ratio | 14.8259% | 3,988 |
| Memoranda: | ||
| Average total assets | $115,380,000 | 4,672 |
| Average earning assets | $103,055,000 | 4,719 |
| Average equity | $10,728,000 | 4,993 |
| Average total loans | $57,548,670 | 5,287 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 5,714 |
| Cost of funding earning assets | 0.8902% | 6,807 |
| Net interest margin | 3.9523% | 3,088 |
| Noninterest income to average assets | 1.0171% | 1,244 |
| Noninterest expense to average assets | 3.4009% | 2,235 |
| Loan and lease loss provision to assets | 0.0636% | 6,011 |
| Net operating income to assets | 1.0807% | 1,890 |
| Return on assets (ROA) | 1.0807% | 1,971 |
| Pretax return on assets | 1.0807% | 2,799 |
| Return on Equity (ROE) | 11.7146% | 1,578 |
| Retained earnings to average equity (ytd only) | 4.8237% | 3,254 |
| Net charge-offs to loans | -0.0070% | 6,846 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8252% | 3,435 |
| Assets per employee ($millions) | 3.4134% | 5,254 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 7,096 |
| Loan loss allowance to noncurrent loans | 416.9643% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 7,241 |
| Noncurrent loans to loans | 0.1945% | 6,952 |
| Net loans and leases to total assets | 49.2159% | 6,556 |
| Net loans and leases to deposits | 54.4132% | 6,889 |
| Net loans and leases to core deposits | 58.2630% | 6,863 |
| Total domestic deposits to total assets | 90.4484% | 762 |
| Equity capital to assets | 9.1759% | 5,023 |
| Core capital (leverage) ratio | 8.9052% | 4,721 |
| Tier 1 risk-based capital ratio | 15.4522% | 2,889 |
| Total risk-based capital ratio | 16.1723% | 3,107 |
| Memoranda: | ||
| Average total assets | $113,264,500 | 4,791 |
| Average earning assets | $101,105,500 | 4,846 |
| Average equity | $10,448,500 | 5,115 |
| Average total loans | $56,926,500 | 5,386 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 5,939 |
| Cost of funding earning assets | 1.0860% | 7,020 |
| Net interest margin | 4.0492% | 2,656 |
| Noninterest income to average assets | 1.0670% | 1,350 |
| Noninterest expense to average assets | 3.5512% | 2,263 |
| Loan and lease loss provision to assets | 0.1507% | 6,159 |
| Net operating income to assets | 1.0625% | 1,617 |
| Return on assets (ROA) | 1.0625% | 1,667 |
| Pretax return on assets | 0.9830% | 2,648 |
| Return on Equity (ROE) | 11.3993% | 1,320 |
| Retained earnings to average equity (ytd only) | 4.9394% | 1,852 |
| Net charge-offs to loans | 0.0127% | 7,044 |
| Credit loss provision to net charge-offs | 2,385.7143% | 139 |
| Earnings coverage of net charge-offs (x) | 179.4286% | 153 |
| Efficiency ratio | 75.7996% | 3,561 |
| Assets per employee ($millions) | 3.2493% | 5,609 |
| Cash dividends to net income (ytd only)* | 56.6695% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 7,141 |
| Loan loss allowance to noncurrent loans | 336.8421% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 7,180 |
| Noncurrent loans to loans | 0.2364% | 6,841 |
| Net loans and leases to total assets | 50.5282% | 6,573 |
| Net loans and leases to deposits | 55.9295% | 6,923 |
| Net loans and leases to core deposits | 75.3513% | 6,449 |
| Total domestic deposits to total assets | 90.3426% | 811 |
| Equity capital to assets | 9.2763% | 4,728 |
| Core capital (leverage) ratio | 8.9324% | 4,535 |
| Tier 1 risk-based capital ratio | 16.0782% | 2,484 |
| Total risk-based capital ratio | 16.8061% | 2,641 |
| Memoranda: | ||
| Average total assets | $110,781,000 | 4,801 |
| Average earning assets | $98,982,800 | 4,867 |
| Average equity | $10,325,200 | 5,208 |
| Average total loans | $55,158,600 | 5,454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 5,911 |
| Cost of funding earning assets | 1.1180% | 7,140 |
| Net interest margin | 4.0736% | 2,501 |
| Noninterest income to average assets | 1.0379% | 1,471 |
| Noninterest expense to average assets | 3.5624% | 2,114 |
| Loan and lease loss provision to assets | 0.1046% | 6,328 |
| Net operating income to assets | 1.1185% | 1,678 |
| Return on assets (ROA) | 1.1185% | 1,742 |
| Pretax return on assets | 1.0127% | 2,866 |
| Return on Equity (ROE) | 11.9868% | 1,354 |
| Retained earnings to average equity (ytd only) | 3.3898% | 3,403 |
| Net charge-offs to loans | 0.0097% | 6,805 |
| Credit loss provision to net charge-offs | 2,175.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 232.3902% | 167 |
| Efficiency ratio | 76.1244% | 3,492 |
| Assets per employee ($millions) | 3.1534% | 5,774 |
| Cash dividends to net income (ytd only)* | 71.7203% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6580% | 7,473 |
| Loan loss allowance to noncurrent loans | 121.6393% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 6,811 |
| Noncurrent loans to loans | 0.5409% | 6,227 |
| Net loans and leases to total assets | 50.7516% | 6,716 |
| Net loans and leases to deposits | 56.3595% | 7,067 |
| Net loans and leases to core deposits | 74.9492% | 6,669 |
| Total domestic deposits to total assets | 90.0497% | 753 |
| Equity capital to assets | 9.3876% | 4,899 |
| Core capital (leverage) ratio | 8.8160% | 4,949 |
| Tier 1 risk-based capital ratio | 15.2380% | 2,933 |
| Total risk-based capital ratio | 15.8239% | 3,184 |
| Memoranda: | ||
| Average total assets | $110,857,500 | 4,833 |
| Average earning assets | $99,106,000 | 4,885 |
| Average equity | $10,344,500 | 5,242 |
| Average total loans | $54,881,000 | 5,522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 5,895 |
| Cost of funding earning assets | 1.1476% | 7,253 |
| Net interest margin | 4.0973% | 2,330 |
| Noninterest income to average assets | 1.0376% | 1,473 |
| Noninterest expense to average assets | 3.5561% | 2,174 |
| Loan and lease loss provision to assets | 0.0162% | 7,066 |
| Net operating income to assets | 1.2899% | 1,252 |
| Return on assets (ROA) | 1.2899% | 1,339 |
| Pretax return on assets | 1.1313% | 2,529 |
| Return on Equity (ROE) | 13.8505% | 1,021 |
| Retained earnings to average equity (ytd only) | 9.1885% | 893 |
| Net charge-offs to loans | -0.0405% | 7,817 |
| Credit loss provision to net charge-offs | -81.8182% | 6,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6032% | 3,766 |
| Assets per employee ($millions) | 3.0956% | 5,882 |
| Cash dividends to net income (ytd only)* | 33.6592% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5542% | 7,717 |
| Loan loss allowance to noncurrent loans | 176.0000% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 6,968 |
| Noncurrent loans to loans | 0.3149% | 6,721 |
| Net loans and leases to total assets | 51.0111% | 6,784 |
| Net loans and leases to deposits | 56.6921% | 7,113 |
| Net loans and leases to core deposits | 73.2317% | 6,829 |
| Total domestic deposits to total assets | 89.9792% | 843 |
| Equity capital to assets | 9.5224% | 4,583 |
| Core capital (leverage) ratio | 8.8428% | 4,873 |
| Tier 1 risk-based capital ratio | 15.0286% | 3,007 |
| Total risk-based capital ratio | 15.4980% | 3,314 |
| Memoranda: | ||
| Average total assets | $111,020,330 | 4,858 |
| Average earning assets | $99,333,670 | 4,910 |
| Average equity | $10,339,000 | 5,270 |
| Average total loans | $54,379,670 | 5,586 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 6,281 |
| Cost of funding earning assets | 1.1711% | 7,364 |
| Net interest margin | 4.0334% | 2,519 |
| Noninterest income to average assets | 0.9683% | 1,574 |
| Noninterest expense to average assets | 3.4212% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4774% | 978 |
| Return on assets (ROA) | 1.4774% | 1,056 |
| Pretax return on assets | 1.1641% | 2,749 |
| Return on Equity (ROE) | 16.0386% | 820 |
| Retained earnings to average equity (ytd only) | 16.0386% | 336 |
| Net charge-offs to loans | -0.0967% | 7,866 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6118% | 3,713 |
| Assets per employee ($millions) | 3.1429% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 7,739 |
| Loan loss allowance to noncurrent loans | 203.3784% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 7,196 |
| Noncurrent loans to loans | 0.2746% | 6,752 |
| Net loans and leases to total assets | 47.3627% | 7,077 |
| Net loans and leases to deposits | 52.5028% | 7,370 |
| Net loans and leases to core deposits | 66.8313% | 7,203 |
| Total domestic deposits to total assets | 90.2098% | 710 |
| Equity capital to assets | 9.3889% | 4,821 |
| Core capital (leverage) ratio | 8.9640% | 4,769 |
| Tier 1 risk-based capital ratio | 14.3365% | 3,407 |
| Total risk-based capital ratio | 14.7768% | 3,772 |
| Memoranda: | ||
| Average total assets | $112,358,000 | 4,839 |
| Average earning assets | $100,758,000 | 4,895 |
| Average equity | $10,350,000 | 5,278 |
| Average total loans | $53,781,500 | 5,642 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 6,288 |
| Cost of funding earning assets | 1.7790% | 7,062 |
| Net interest margin | 4.0639% | 2,855 |
| Noninterest income to average assets | 1.1789% | 1,100 |
| Noninterest expense to average assets | 3.6399% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8277% | 3,323 |
| Return on assets (ROA) | 0.8277% | 3,159 |
| Pretax return on assets | 1.2040% | 2,621 |
| Return on Equity (ROE) | 8.5521% | 2,815 |
| Retained earnings to average equity (ytd only) | -5.0236% | 6,518 |
| Net charge-offs to loans | 0.0443% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 54.2609% | 724 |
| Efficiency ratio | 75.1444% | 3,381 |
| Assets per employee ($millions) | 3.1878% | 5,519 |
| Cash dividends to net income (ytd only)* | 158.7413% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5366% | 7,791 |
| Loan loss allowance to noncurrent loans | 190.7285% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 7,036 |
| Noncurrent loans to loans | 0.2813% | 6,529 |
| Net loans and leases to total assets | 47.8489% | 7,203 |
| Net loans and leases to deposits | 53.1072% | 7,482 |
| Net loans and leases to core deposits | 66.6675% | 7,340 |
| Total domestic deposits to total assets | 90.0988% | 608 |
| Equity capital to assets | 9.0318% | 5,330 |
| Core capital (leverage) ratio | 8.7279% | 5,155 |
| Tier 1 risk-based capital ratio | 13.3654% | 3,887 |
| Total risk-based capital ratio | 13.7755% | 4,322 |
| Memoranda: | ||
| Average total assets | $103,658,000 | 4,945 |
| Average earning assets | $93,481,800 | 4,984 |
| Average equity | $10,032,600 | 5,401 |
| Average total loans | $51,884,200 | 5,624 |