Home > Richland County Bank > Performance and Condition Ratios
Richland County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6129% | 4,341 |
| Cost of funding earning assets | 0.7139% | 3,914 |
| Net interest margin | 2.8989% | 3,492 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.2916% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7767% | 2,953 |
| Return on assets (ROA) | 0.5884% | 3,461 |
| Pretax return on assets | 0.5894% | 3,653 |
| Return on Equity (ROE) | 5.2400% | 3,682 |
| Retained earnings to average equity (ytd only) | 1.9040% | 3,601 |
| Net charge-offs to loans | -0.0557% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6651% | 1,387 |
| Assets per employee ($millions) | 4.1059% | 4,122 |
| Cash dividends to net income (ytd only)* | 63.6646% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,071 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 40.3200% | 4,030 |
| Net loans and leases to deposits | 46.2229% | 4,041 |
| Net loans and leases to core deposits | 49.9911% | 4,083 |
| Total domestic deposits to total assets | 87.2300% | 1,607 |
| Equity capital to assets | 12.3716% | 1,017 |
| Core capital (leverage) ratio | 18.4721% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $109,441,000 | 3,746 |
| Average earning assets | $101,830,400 | 3,728 |
| Average equity | $12,290,000 | 3,501 |
| Average total loans | $46,697,000 | 3,890 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 4,356 |
| Cost of funding earning assets | 0.6601% | 3,846 |
| Net interest margin | 2.8797% | 3,588 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2941% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7358% | 3,216 |
| Return on assets (ROA) | 0.4840% | 3,799 |
| Pretax return on assets | 0.4852% | 3,931 |
| Return on Equity (ROE) | 4.4200% | 3,915 |
| Retained earnings to average equity (ytd only) | 1.1508% | 3,918 |
| Net charge-offs to loans | -0.0709% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.6855% | 1,202 |
| Assets per employee ($millions) | 4.0453% | 4,146 |
| Cash dividends to net income (ytd only)* | 73.9899% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,215 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 43.3300% | 3,938 |
| Net loans and leases to deposits | 48.7288% | 3,979 |
| Net loans and leases to core deposits | 52.8490% | 3,965 |
| Total domestic deposits to total assets | 88.9300% | 1,281 |
| Equity capital to assets | 10.7941% | 1,437 |
| Core capital (leverage) ratio | 18.3984% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $109,086,500 | 3,763 |
| Average earning assets | $101,396,750 | 3,743 |
| Average equity | $11,933,750 | 3,528 |
| Average total loans | $47,027,250 | 3,896 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 4,396 |
| Cost of funding earning assets | 0.6017% | 3,748 |
| Net interest margin | 2.8373% | 3,765 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.2683% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7012% | 3,341 |
| Return on assets (ROA) | 0.3279% | 4,144 |
| Pretax return on assets | 0.3279% | 4,201 |
| Return on Equity (ROE) | 2.9800% | 4,159 |
| Retained earnings to average equity (ytd only) | -0.8906% | 4,203 |
| Net charge-offs to loans | -0.0846% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.3880% | 1,142 |
| Assets per employee ($millions) | 3.9884% | 4,184 |
| Cash dividends to net income (ytd only)* | 129.8343% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.7900% | 3,886 |
| Net loans and leases to deposits | 49.5936% | 3,934 |
| Net loans and leases to core deposits | 53.8847% | 3,895 |
| Total domestic deposits to total assets | 88.3100% | 1,492 |
| Equity capital to assets | 11.4655% | 1,208 |
| Core capital (leverage) ratio | 17.6041% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $110,389,333 | 3,765 |
| Average earning assets | $102,704,333 | 3,752 |
| Average equity | $12,127,333 | 3,524 |
| Average total loans | $47,285,000 | 3,896 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 4,420 |
| Cost of funding earning assets | 0.4575% | 3,816 |
| Net interest margin | 2.8681% | 3,834 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.2087% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7589% | 3,325 |
| Return on assets (ROA) | 0.9057% | 2,795 |
| Pretax return on assets | 0.9057% | 3,220 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 3.5615% | 3,381 |
| Net charge-offs to loans | -0.0085% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.4270% | 1,291 |
| Assets per employee ($millions) | 4.1543% | 4,190 |
| Cash dividends to net income (ytd only)* | 57.7075% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,688 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.5400% | 3,972 |
| Net loans and leases to deposits | 46.8951% | 4,000 |
| Net loans and leases to core deposits | 50.7654% | 3,966 |
| Total domestic deposits to total assets | 88.5800% | 1,707 |
| Equity capital to assets | 11.1040% | 1,300 |
| Core capital (leverage) ratio | 17.6167% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $111,740,000 | 3,801 |
| Average earning assets | $104,042,500 | 3,786 |
| Average equity | $12,017,500 | 3,569 |
| Average total loans | $47,011,000 | 3,943 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8810% | 4,256 |
| Cost of funding earning assets | 0.1308% | 4,227 |
| Net interest margin | 2.7502% | 3,977 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.0049% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8820% | 3,038 |
| Return on assets (ROA) | 0.9245% | 2,809 |
| Pretax return on assets | 0.9262% | 3,278 |
| Return on Equity (ROE) | 7.6600% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.4252% | 3,586 |
| Net charge-offs to loans | 0.0743% | 903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 30.9091% | 1,665 |
| Efficiency ratio | 69.4061% | 1,768 |
| Assets per employee ($millions) | 3.9755% | 4,292 |
| Cash dividends to net income (ytd only)* | 55.2952% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,526 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 41.4300% | 4,008 |
| Net loans and leases to deposits | 46.4556% | 4,036 |
| Net loans and leases to core deposits | 47.4565% | 4,075 |
| Total domestic deposits to total assets | 89.1900% | 1,666 |
| Equity capital to assets | 10.4031% | 1,499 |
| Core capital (leverage) ratio | 17.4668% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $115,414,600 | 3,771 |
| Average earning assets | $107,012,200 | 3,760 |
| Average equity | $13,926,200 | 3,477 |
| Average total loans | $44,427,600 | 3,988 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7792% | 4,213 |
| Cost of funding earning assets | 0.1259% | 4,068 |
| Net interest margin | 2.6533% | 4,018 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.9546% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8370% | 3,110 |
| Return on assets (ROA) | 0.9023% | 2,833 |
| Pretax return on assets | 0.9046% | 3,301 |
| Return on Equity (ROE) | 7.2400% | 3,538 |
| Retained earnings to average equity (ytd only) | 4.1066% | 3,407 |
| Net charge-offs to loans | 0.0091% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 244.3333% | 545 |
| Efficiency ratio | 69.9590% | 1,766 |
| Assets per employee ($millions) | 4.5379% | 4,023 |
| Cash dividends to net income (ytd only)* | 43.2741% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,379 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 40.2400% | 4,060 |
| Net loans and leases to deposits | 44.7728% | 4,079 |
| Net loans and leases to core deposits | 45.5966% | 4,131 |
| Total domestic deposits to total assets | 89.8700% | 1,720 |
| Equity capital to assets | 9.9914% | 1,629 |
| Core capital (leverage) ratio | 16.9055% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $116,440,000 | 3,788 |
| Average earning assets | $108,038,250 | 3,773 |
| Average equity | $14,512,750 | 3,462 |
| Average total loans | $43,841,000 | 4,021 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6756% | 4,177 |
| Cost of funding earning assets | 0.1286% | 3,855 |
| Net interest margin | 2.5470% | 4,005 |
| Noninterest income to average assets | 0.3253% | 3,220 |
| Noninterest expense to average assets | 1.9295% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7561% | 3,122 |
| Return on assets (ROA) | 0.8532% | 2,739 |
| Pretax return on assets | 0.8532% | 3,194 |
| Return on Equity (ROE) | 6.4346% | 3,463 |
| Retained earnings to average equity (ytd only) | 3.3779% | 3,321 |
| Net charge-offs to loans | 0.0232% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 88.8000% | 872 |
| Efficiency ratio | 71.8453% | 1,745 |
| Assets per employee ($millions) | 4.5961% | 4,010 |
| Cash dividends to net income (ytd only)* | 47.5050% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 38.1348% | 4,162 |
| Net loans and leases to deposits | 43.1305% | 4,152 |
| Net loans and leases to core deposits | 43.7830% | 4,194 |
| Total domestic deposits to total assets | 88.4172% | 2,419 |
| Equity capital to assets | 11.4523% | 1,044 |
| Core capital (leverage) ratio | 16.6086% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,437,667 | 3,821 |
| Average earning assets | $108,834,333 | 3,814 |
| Average equity | $15,572,000 | 3,443 |
| Average total loans | $43,011,000 | 4,088 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5867% | 4,145 |
| Cost of funding earning assets | 0.1239% | 3,852 |
| Net interest margin | 2.4629% | 3,969 |
| Noninterest income to average assets | 0.3606% | 2,930 |
| Noninterest expense to average assets | 1.9106% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7279% | 2,950 |
| Return on assets (ROA) | 0.8896% | 2,315 |
| Pretax return on assets | 0.8896% | 2,811 |
| Return on Equity (ROE) | 6.2938% | 3,255 |
| Retained earnings to average equity (ytd only) | 2.7178% | 3,357 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4138% | 1,923 |
| Assets per employee ($millions) | 4.7457% | 3,969 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 1,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 34.8727% | 4,267 |
| Net loans and leases to deposits | 40.0271% | 4,248 |
| Net loans and leases to core deposits | 40.6217% | 4,292 |
| Total domestic deposits to total assets | 87.1227% | 2,881 |
| Equity capital to assets | 12.6337% | 773 |
| Core capital (leverage) ratio | 16.0149% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,705,000 | 3,830 |
| Average earning assets | $109,790,500 | 3,824 |
| Average equity | $16,778,500 | 3,416 |
| Average total loans | $42,267,500 | 4,116 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1731% | 3,532 |
| Cost of funding earning assets | 0.1605% | 3,863 |
| Net interest margin | 3.0126% | 3,162 |
| Noninterest income to average assets | 0.3383% | 3,388 |
| Noninterest expense to average assets | 2.0100% | 3,648 |
| Loan and lease loss provision to assets | 0.0859% | 1,431 |
| Net operating income to assets | 1.0432% | 2,508 |
| Return on assets (ROA) | 1.1145% | 2,292 |
| Pretax return on assets | 1.1179% | 2,908 |
| Return on Equity (ROE) | 6.7780% | 3,576 |
| Retained earnings to average equity (ytd only) | 1.7911% | 4,044 |
| Net charge-offs to loans | 0.0069% | 2,320 |
| Credit loss provision to net charge-offs | 3,333.3333% | 199 |
| Earnings coverage of net charge-offs (x) | 439.6667% | 306 |
| Efficiency ratio | 63.9617% | 2,570 |
| Assets per employee ($millions) | 4.5680% | 4,063 |
| Cash dividends to net income (ytd only)* | 73.5747% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 1,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.1874% | 4,325 |
| Net loans and leases to deposits | 41.8869% | 4,278 |
| Net loans and leases to core deposits | 42.5289% | 4,324 |
| Total domestic deposits to total assets | 84.0057% | 3,562 |
| Equity capital to assets | 15.6340% | 416 |
| Core capital (leverage) ratio | 16.1239% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,468,800 | 3,839 |
| Average earning assets | $108,412,200 | 3,826 |
| Average equity | $19,150,200 | 3,289 |
| Average total loans | $43,453,800 | 4,123 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3506% | 3,246 |
| Cost of funding earning assets | 0.1666% | 3,956 |
| Net interest margin | 3.1840% | 2,777 |
| Noninterest income to average assets | 0.3244% | 3,487 |
| Noninterest expense to average assets | 2.0443% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2448% | 2,007 |
| Return on assets (ROA) | 1.3403% | 1,767 |
| Pretax return on assets | 1.3437% | 2,503 |
| Return on Equity (ROE) | 8.0499% | 3,385 |
| Retained earnings to average equity (ytd only) | 4.9751% | 3,231 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0894% | 2,682 |
| Assets per employee ($millions) | 4.1660% | 4,350 |
| Cash dividends to net income (ytd only)* | 38.1974% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.0341% | 4,390 |
| Net loans and leases to deposits | 43.2572% | 4,336 |
| Net loans and leases to core deposits | 43.9377% | 4,381 |
| Total domestic deposits to total assets | 83.3019% | 3,634 |
| Equity capital to assets | 16.5687% | 365 |
| Core capital (leverage) ratio | 16.4091% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,894,250 | 3,890 |
| Average earning assets | $108,037,250 | 3,874 |
| Average equity | $19,295,750 | 3,315 |
| Average total loans | $43,698,250 | 4,172 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 2,481 |
| Cost of funding earning assets | 0.1814% | 3,935 |
| Net interest margin | 3.4645% | 1,964 |
| Noninterest income to average assets | 0.3130% | 3,555 |
| Noninterest expense to average assets | 2.0632% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4839% | 1,340 |
| Return on assets (ROA) | 1.6274% | 1,047 |
| Pretax return on assets | 1.6309% | 1,652 |
| Return on Equity (ROE) | 9.7587% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.3675% | 2,667 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1101% | 3,268 |
| Assets per employee ($millions) | 4.2031% | 4,325 |
| Cash dividends to net income (ytd only)* | 34.7503% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,970 |
| Loan loss allowance to noncurrent loans | 7,350.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,268 |
| Noncurrent loans to loans | 0.0191% | 4,125 |
| Net loans and leases to total assets | 35.1228% | 4,495 |
| Net loans and leases to deposits | 42.1278% | 4,454 |
| Net loans and leases to core deposits | 42.7810% | 4,497 |
| Total domestic deposits to total assets | 83.3720% | 3,615 |
| Equity capital to assets | 16.5345% | 370 |
| Core capital (leverage) ratio | 16.7858% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,643,000 | 3,909 |
| Average earning assets | $108,066,000 | 3,895 |
| Average equity | $19,285,333 | 3,305 |
| Average total loans | $44,057,333 | 4,191 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 2,989 |
| Cost of funding earning assets | 0.1980% | 3,930 |
| Net interest margin | 3.2804% | 2,443 |
| Noninterest income to average assets | 0.3001% | 3,611 |
| Noninterest expense to average assets | 2.0520% | 3,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3087% | 1,799 |
| Return on assets (ROA) | 1.5983% | 1,177 |
| Pretax return on assets | 1.6018% | 1,721 |
| Return on Equity (ROE) | 9.5424% | 2,842 |
| Retained earnings to average equity (ytd only) | 5.7921% | 2,968 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9959% | 2,911 |
| Assets per employee ($millions) | 4.2156% | 4,334 |
| Cash dividends to net income (ytd only)* | 39.3013% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 2,390 |
| Loan loss allowance to noncurrent loans | 7,350.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 4,336 |
| Noncurrent loans to loans | 0.0178% | 4,201 |
| Net loans and leases to total assets | 38.8745% | 4,388 |
| Net loans and leases to deposits | 46.7056% | 4,316 |
| Net loans and leases to core deposits | 47.4616% | 4,390 |
| Total domestic deposits to total assets | 83.2332% | 3,633 |
| Equity capital to assets | 16.4892% | 352 |
| Core capital (leverage) ratio | 16.5973% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,621,000 | 3,921 |
| Average earning assets | $107,060,500 | 3,909 |
| Average equity | $19,198,500 | 3,312 |
| Average total loans | $45,124,500 | 4,185 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 3,710 |
| Cost of funding earning assets | 0.2707% | 4,291 |
| Net interest margin | 3.3744% | 2,853 |
| Noninterest income to average assets | 0.3116% | 3,611 |
| Noninterest expense to average assets | 2.0926% | 3,944 |
| Loan and lease loss provision to assets | 0.0968% | 3,138 |
| Net operating income to assets | 1.2445% | 1,401 |
| Return on assets (ROA) | 1.6298% | 648 |
| Pretax return on assets | 1.6326% | 998 |
| Return on Equity (ROE) | 8.9431% | 2,420 |
| Retained earnings to average equity (ytd only) | 1.9019% | 3,868 |
| Net charge-offs to loans | 0.0087% | 3,018 |
| Credit loss provision to net charge-offs | 2,625.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 364.5000% | 298 |
| Efficiency ratio | 60.8906% | 3,335 |
| Assets per employee ($millions) | 4.2749% | 4,149 |
| Cash dividends to net income (ytd only)* | 78.7330% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,437 |
| Loan loss allowance to noncurrent loans | 7,350.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,415 |
| Noncurrent loans to loans | 0.0176% | 4,281 |
| Net loans and leases to total assets | 38.8366% | 4,484 |
| Net loans and leases to deposits | 47.3477% | 4,420 |
| Net loans and leases to core deposits | 48.1105% | 4,483 |
| Total domestic deposits to total assets | 82.0242% | 3,657 |
| Equity capital to assets | 17.0063% | 336 |
| Core capital (leverage) ratio | 16.4708% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,477,200 | 3,893 |
| Average earning assets | $100,462,800 | 3,889 |
| Average equity | $19,769,400 | 3,210 |
| Average total loans | $45,902,600 | 4,187 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 3,490 |
| Cost of funding earning assets | 0.2852% | 4,370 |
| Net interest margin | 3.5405% | 2,454 |
| Noninterest income to average assets | 0.3123% | 3,617 |
| Noninterest expense to average assets | 2.1247% | 3,886 |
| Loan and lease loss provision to assets | 0.0937% | 3,140 |
| Net operating income to assets | 1.3615% | 1,195 |
| Return on assets (ROA) | 1.8836% | 423 |
| Pretax return on assets | 1.8874% | 652 |
| Return on Equity (ROE) | 10.1523% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.3248% | 1,571 |
| Net charge-offs to loans | 0.0145% | 2,602 |
| Credit loss provision to net charge-offs | 1,500.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 233.6000% | 441 |
| Efficiency ratio | 59.2890% | 3,486 |
| Assets per employee ($millions) | 4.0936% | 4,246 |
| Cash dividends to net income (ytd only)* | 27.8515% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,908 |
| Loan loss allowance to noncurrent loans | 2,228.0000% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,361 |
| Noncurrent loans to loans | 0.0519% | 4,164 |
| Net loans and leases to total assets | 43.0605% | 4,459 |
| Net loans and leases to deposits | 52.9352% | 4,378 |
| Net loans and leases to core deposits | 54.0228% | 4,446 |
| Total domestic deposits to total assets | 81.3456% | 3,579 |
| Equity capital to assets | 18.5051% | 269 |
| Core capital (leverage) ratio | 17.2910% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,741,000 | 3,912 |
| Average earning assets | $98,628,000 | 3,907 |
| Average equity | $19,804,500 | 3,205 |
| Average total loans | $46,024,750 | 4,208 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,228 |
| Cost of funding earning assets | 0.2917% | 4,509 |
| Net interest margin | 3.7473% | 2,003 |
| Noninterest income to average assets | 0.2996% | 3,674 |
| Noninterest expense to average assets | 2.2165% | 3,730 |
| Loan and lease loss provision to assets | 0.0853% | 3,211 |
| Net operating income to assets | 1.4524% | 1,015 |
| Return on assets (ROA) | 2.2450% | 229 |
| Pretax return on assets | 2.2488% | 334 |
| Return on Equity (ROE) | 12.0888% | 1,314 |
| Retained earnings to average equity (ytd only) | 9.0258% | 999 |
| Net charge-offs to loans | 0.0221% | 2,281 |
| Credit loss provision to net charge-offs | 900.0000% | 850 |
| Earnings coverage of net charge-offs (x) | 162.6000% | 510 |
| Efficiency ratio | 58.9808% | 3,556 |
| Assets per employee ($millions) | 4.2946% | 4,005 |
| Cash dividends to net income (ytd only)* | 25.3378% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 2,927 |
| Loan loss allowance to noncurrent loans | 2,195.8333% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,446 |
| Noncurrent loans to loans | 0.0510% | 4,280 |
| Net loans and leases to total assets | 41.6461% | 4,541 |
| Net loans and leases to deposits | 50.9360% | 4,490 |
| Net loans and leases to core deposits | 51.9610% | 4,569 |
| Total domestic deposits to total assets | 81.7616% | 3,436 |
| Equity capital to assets | 18.1023% | 296 |
| Core capital (leverage) ratio | 17.6332% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,479,333 | 3,918 |
| Average earning assets | $97,350,667 | 3,919 |
| Average equity | $19,588,333 | 3,217 |
| Average total loans | $45,316,333 | 4,231 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 3,370 |
| Cost of funding earning assets | 0.3106% | 4,627 |
| Net interest margin | 3.8418% | 1,840 |
| Noninterest income to average assets | 0.3360% | 3,507 |
| Noninterest expense to average assets | 2.2737% | 3,829 |
| Loan and lease loss provision to assets | 0.0586% | 3,027 |
| Net operating income to assets | 1.5275% | 729 |
| Return on assets (ROA) | 3.1605% | 56 |
| Pretax return on assets | 3.1644% | 74 |
| Return on Equity (ROE) | 16.7877% | 356 |
| Retained earnings to average equity (ytd only) | 13.0525% | 315 |
| Net charge-offs to loans | 0.0270% | 1,835 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 135.6667% | 465 |
| Efficiency ratio | 58.8473% | 3,894 |
| Assets per employee ($millions) | 3.9562% | 3,981 |
| Cash dividends to net income (ytd only)* | 22.2497% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 3,031 |
| Loan loss allowance to noncurrent loans | 6,237.5000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,608 |
| Noncurrent loans to loans | 0.0182% | 4,500 |
| Net loans and leases to total assets | 42.3567% | 4,576 |
| Net loans and leases to deposits | 52.6934% | 4,498 |
| Net loans and leases to core deposits | 53.8640% | 4,573 |
| Total domestic deposits to total assets | 80.3834% | 3,780 |
| Equity capital to assets | 19.3016% | 274 |
| Core capital (leverage) ratio | 18.6770% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,389,000 | 3,954 |
| Average earning assets | $94,019,500 | 3,963 |
| Average equity | $19,276,000 | 3,244 |
| Average total loans | $44,460,000 | 4,266 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,587 |
| Cost of funding earning assets | 0.2885% | 4,755 |
| Net interest margin | 3.4913% | 3,478 |
| Noninterest income to average assets | 0.3575% | 3,561 |
| Noninterest expense to average assets | 2.3287% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2422% | 1,894 |
| Return on assets (ROA) | 1.2402% | 1,988 |
| Pretax return on assets | 1.2412% | 2,697 |
| Return on Equity (ROE) | 6.7416% | 3,647 |
| Retained earnings to average equity (ytd only) | 1.4764% | 4,218 |
| Net charge-offs to loans | 0.0158% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 177.8571% | 430 |
| Efficiency ratio | 65.1943% | 2,895 |
| Assets per employee ($millions) | 3.5143% | 4,471 |
| Cash dividends to net income (ytd only)* | 78.0998% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,027 |
| Loan loss allowance to noncurrent loans | 6,087.5000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,638 |
| Noncurrent loans to loans | 0.0178% | 4,501 |
| Net loans and leases to total assets | 43.5309% | 4,620 |
| Net loans and leases to deposits | 53.6172% | 4,549 |
| Net loans and leases to core deposits | 54.8014% | 4,624 |
| Total domestic deposits to total assets | 81.1884% | 3,726 |
| Equity capital to assets | 18.3465% | 341 |
| Core capital (leverage) ratio | 18.2633% | 321 |
| Tier 1 risk-based capital ratio | 33.8246% | 362 |
| Total risk-based capital ratio | 34.7174% | 368 |
| Memoranda: | ||
| Average total assets | $100,143,000 | 3,999 |
| Average earning assets | $92,201,800 | 4,011 |
| Average equity | $18,422,800 | 3,294 |
| Average total loans | $44,196,600 | 4,303 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,731 |
| Cost of funding earning assets | 0.2805% | 4,844 |
| Net interest margin | 3.4667% | 3,672 |
| Noninterest income to average assets | 0.3517% | 3,623 |
| Noninterest expense to average assets | 2.3162% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2236% | 2,114 |
| Return on assets (ROA) | 1.2210% | 2,197 |
| Pretax return on assets | 1.2223% | 2,909 |
| Return on Equity (ROE) | 6.6323% | 3,827 |
| Retained earnings to average equity (ytd only) | 3.7629% | 3,513 |
| Net charge-offs to loans | 0.0333% | 2,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 83.2515% | 839 |
| Efficiency ratio | 65.4079% | 2,801 |
| Assets per employee ($millions) | 3.6862% | 4,290 |
| Cash dividends to net income (ytd only)* | 43.2638% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 45.1622% | 4,647 |
| Net loans and leases to deposits | 56.3440% | 4,541 |
| Net loans and leases to core deposits | 57.6321% | 4,634 |
| Total domestic deposits to total assets | 80.1543% | 3,965 |
| Equity capital to assets | 19.0700% | 307 |
| Core capital (leverage) ratio | 18.6520% | 309 |
| Tier 1 risk-based capital ratio | 35.3133% | 334 |
| Total risk-based capital ratio | 36.2256% | 340 |
| Memoranda: | ||
| Average total assets | $99,699,750 | 4,049 |
| Average earning assets | $91,726,500 | 4,062 |
| Average equity | $18,354,000 | 3,316 |
| Average total loans | $44,032,750 | 4,360 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 4,841 |
| Cost of funding earning assets | 0.2662% | 4,911 |
| Net interest margin | 3.4219% | 3,826 |
| Noninterest income to average assets | 0.3128% | 3,840 |
| Noninterest expense to average assets | 2.2936% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1628% | 2,281 |
| Return on assets (ROA) | 1.1628% | 2,357 |
| Pretax return on assets | 1.1628% | 3,030 |
| Return on Equity (ROE) | 6.3928% | 3,907 |
| Retained earnings to average equity (ytd only) | 3.4169% | 3,533 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3573% | 2,771 |
| Assets per employee ($millions) | 3.8321% | 4,084 |
| Cash dividends to net income (ytd only)* | 46.5517% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 44.9836% | 4,683 |
| Net loans and leases to deposits | 56.1149% | 4,586 |
| Net loans and leases to core deposits | 57.2781% | 4,667 |
| Total domestic deposits to total assets | 80.1634% | 4,005 |
| Equity capital to assets | 18.7707% | 307 |
| Core capital (leverage) ratio | 18.5818% | 304 |
| Tier 1 risk-based capital ratio | 33.7761% | 367 |
| Total risk-based capital ratio | 34.6786% | 372 |
| Memoranda: | ||
| Average total assets | $99,757,000 | 4,072 |
| Average earning assets | $91,646,330 | 4,083 |
| Average equity | $18,145,330 | 3,331 |
| Average total loans | $43,566,330 | 4,401 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 4,882 |
| Cost of funding earning assets | 0.2500% | 4,981 |
| Net interest margin | 3.4249% | 3,824 |
| Noninterest income to average assets | 0.2965% | 3,892 |
| Noninterest expense to average assets | 2.2561% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1701% | 2,175 |
| Return on assets (ROA) | 1.1701% | 2,230 |
| Pretax return on assets | 1.1701% | 2,913 |
| Return on Equity (ROE) | 6.5372% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.1790% | 3,666 |
| Net charge-offs to loans | 0.0094% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 292.0000% | 277 |
| Efficiency ratio | 65.8480% | 2,962 |
| Assets per employee ($millions) | 3.7089% | 4,334 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 2,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 42.7761% | 4,798 |
| Net loans and leases to deposits | 52.4591% | 4,734 |
| Net loans and leases to core deposits | 53.5176% | 4,801 |
| Total domestic deposits to total assets | 81.5418% | 3,843 |
| Equity capital to assets | 18.1706% | 340 |
| Core capital (leverage) ratio | 18.3368% | 319 |
| Tier 1 risk-based capital ratio | 34.4470% | 342 |
| Total risk-based capital ratio | 35.3740% | 345 |
| Memoranda: | ||
| Average total assets | $99,818,500 | 4,110 |
| Average earning assets | $91,213,500 | 4,121 |
| Average equity | $17,867,000 | 3,363 |
| Average total loans | $42,693,000 | 4,475 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 4,980 |
| Cost of funding earning assets | 0.1885% | 5,049 |
| Net interest margin | 3.2453% | 4,399 |
| Noninterest income to average assets | 0.3674% | 3,643 |
| Noninterest expense to average assets | 2.4341% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8679% | 3,545 |
| Return on assets (ROA) | 0.8679% | 3,542 |
| Pretax return on assets | 0.8699% | 3,973 |
| Return on Equity (ROE) | 4.9483% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.5626% | 4,511 |
| Net charge-offs to loans | -0.0151% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6713% | 1,668 |
| Assets per employee ($millions) | 3.9799% | 3,912 |
| Cash dividends to net income (ytd only)* | 68.4211% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 41.7731% | 4,886 |
| Net loans and leases to deposits | 50.9594% | 4,856 |
| Net loans and leases to core deposits | 51.9875% | 4,894 |
| Total domestic deposits to total assets | 81.9733% | 3,650 |
| Equity capital to assets | 17.6267% | 370 |
| Core capital (leverage) ratio | 18.4892% | 293 |
| Tier 1 risk-based capital ratio | 33.8252% | 344 |
| Total risk-based capital ratio | 34.7444% | 346 |
| Memoranda: | ||
| Average total assets | $98,518,200 | 4,120 |
| Average earning assets | $89,143,800 | 4,164 |
| Average equity | $17,278,800 | 3,363 |
| Average total loans | $39,791,800 | 4,558 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 5,053 |
| Cost of funding earning assets | 0.1757% | 5,114 |
| Net interest margin | 3.2066% | 4,498 |
| Noninterest income to average assets | 0.3677% | 3,668 |
| Noninterest expense to average assets | 2.4177% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8439% | 3,759 |
| Return on assets (ROA) | 0.8439% | 3,765 |
| Pretax return on assets | 0.8466% | 4,177 |
| Return on Equity (ROE) | 4.8176% | 4,621 |
| Retained earnings to average equity (ytd only) | 2.7264% | 4,335 |
| Net charge-offs to loans | -0.0204% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0648% | 1,586 |
| Assets per employee ($millions) | 3.4644% | 4,603 |
| Cash dividends to net income (ytd only)* | 43.4084% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 40.5952% | 5,012 |
| Net loans and leases to deposits | 49.4084% | 4,969 |
| Net loans and leases to core deposits | 50.3272% | 5,013 |
| Total domestic deposits to total assets | 82.1626% | 3,562 |
| Equity capital to assets | 17.7106% | 358 |
| Core capital (leverage) ratio | 18.5352% | 293 |
| Tier 1 risk-based capital ratio | 35.6008% | 311 |
| Total risk-based capital ratio | 36.5639% | 319 |
| Memoranda: | ||
| Average total assets | $98,273,500 | 4,168 |
| Average earning assets | $88,772,250 | 4,209 |
| Average equity | $17,214,000 | 3,405 |
| Average total loans | $39,225,500 | 4,623 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 5,117 |
| Cost of funding earning assets | 0.1684% | 5,162 |
| Net interest margin | 3.1570% | 4,598 |
| Noninterest income to average assets | 0.3506% | 3,819 |
| Noninterest expense to average assets | 2.3648% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8308% | 3,749 |
| Return on assets (ROA) | 0.8308% | 3,752 |
| Pretax return on assets | 0.8349% | 4,152 |
| Return on Equity (ROE) | 4.7604% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.6705% | 4,183 |
| Net charge-offs to loans | -0.0308% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9075% | 1,716 |
| Assets per employee ($millions) | 3.4766% | 4,626 |
| Cash dividends to net income (ytd only)* | 43.9024% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 39.0977% | 5,087 |
| Net loans and leases to deposits | 47.5109% | 5,043 |
| Net loans and leases to core deposits | 48.3885% | 5,081 |
| Total domestic deposits to total assets | 82.2920% | 3,632 |
| Equity capital to assets | 17.6176% | 357 |
| Core capital (leverage) ratio | 18.6379% | 288 |
| Tier 1 risk-based capital ratio | 36.0167% | 306 |
| Total risk-based capital ratio | 36.9976% | 308 |
| Memoranda: | ||
| Average total assets | $98,696,670 | 4,197 |
| Average earning assets | $89,072,670 | 4,240 |
| Average equity | $17,225,330 | 3,420 |
| Average total loans | $39,009,670 | 4,670 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 5,131 |
| Cost of funding earning assets | 0.1687% | 5,169 |
| Net interest margin | 3.1391% | 4,620 |
| Noninterest income to average assets | 0.3019% | 4,141 |
| Noninterest expense to average assets | 2.3226% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8171% | 3,637 |
| Return on assets (ROA) | 0.8171% | 3,648 |
| Pretax return on assets | 0.8252% | 4,092 |
| Return on Equity (ROE) | 4.7037% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.6183% | 4,130 |
| Net charge-offs to loans | -0.0102% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7852% | 1,927 |
| Assets per employee ($millions) | 3.7684% | 4,331 |
| Cash dividends to net income (ytd only)* | 44.3350% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 39.0230% | 5,104 |
| Net loans and leases to deposits | 47.3779% | 5,059 |
| Net loans and leases to core deposits | 48.2454% | 5,096 |
| Total domestic deposits to total assets | 82.3654% | 3,856 |
| Equity capital to assets | 17.4406% | 365 |
| Core capital (leverage) ratio | 18.1035% | 308 |
| Tier 1 risk-based capital ratio | 36.8247% | 284 |
| Total risk-based capital ratio | 37.8239% | 281 |
| Memoranda: | ||
| Average total assets | $99,372,000 | 4,233 |
| Average earning assets | $90,088,500 | 4,266 |
| Average equity | $17,263,000 | 3,440 |
| Average total loans | $39,237,500 | 4,715 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 5,114 |
| Cost of funding earning assets | 0.1872% | 5,045 |
| Net interest margin | 3.0876% | 4,718 |
| Noninterest income to average assets | 0.3190% | 4,181 |
| Noninterest expense to average assets | 2.2248% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8655% | 2,887 |
| Return on assets (ROA) | 0.8655% | 2,909 |
| Pretax return on assets | 0.8635% | 4,035 |
| Return on Equity (ROE) | 4.9749% | 4,170 |
| Retained earnings to average equity (ytd only) | 1.1138% | 4,582 |
| Net charge-offs to loans | 0.0634% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 33.4231% | 1,436 |
| Efficiency ratio | 72.0399% | 2,219 |
| Assets per employee ($millions) | 3.8756% | 4,149 |
| Cash dividends to net income (ytd only)* | 77.6119% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,617 |
| Loan loss allowance to noncurrent loans | 8,133.3333% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 5,160 |
| Noncurrent loans to loans | 0.0151% | 4,966 |
| Net loans and leases to total assets | 38.9655% | 5,175 |
| Net loans and leases to deposits | 47.3722% | 5,148 |
| Net loans and leases to core deposits | 48.2151% | 5,186 |
| Total domestic deposits to total assets | 82.2539% | 3,799 |
| Equity capital to assets | 17.3054% | 372 |
| Core capital (leverage) ratio | 17.9252% | 298 |
| Tier 1 risk-based capital ratio | 34.7364% | 325 |
| Total risk-based capital ratio | 35.6830% | 328 |
| Memoranda: | ||
| Average total assets | $100,639,800 | 4,224 |
| Average earning assets | $90,265,400 | 4,283 |
| Average equity | $17,507,800 | 3,429 |
| Average total loans | $41,025,400 | 4,701 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 5,181 |
| Cost of funding earning assets | 0.1911% | 5,047 |
| Net interest margin | 3.0507% | 4,811 |
| Noninterest income to average assets | 0.2902% | 4,454 |
| Noninterest expense to average assets | 2.2754% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7461% | 3,755 |
| Return on assets (ROA) | 0.7461% | 3,818 |
| Pretax return on assets | 0.7435% | 4,504 |
| Return on Equity (ROE) | 4.2832% | 4,775 |
| Retained earnings to average equity (ytd only) | 2.6628% | 4,305 |
| Net charge-offs to loans | 0.0129% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 140.3340% | 564 |
| Efficiency ratio | 75.3731% | 1,681 |
| Assets per employee ($millions) | 3.7923% | 4,316 |
| Cash dividends to net income (ytd only)* | 37.8325% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,868 |
| Loan loss allowance to noncurrent loans | 130.4348% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,441 |
| Noncurrent loans to loans | 0.9279% | 2,066 |
| Net loans and leases to total assets | 42.2175% | 5,106 |
| Net loans and leases to deposits | 51.6484% | 5,064 |
| Net loans and leases to core deposits | 52.6605% | 5,118 |
| Total domestic deposits to total assets | 81.7402% | 3,858 |
| Equity capital to assets | 18.1199% | 326 |
| Core capital (leverage) ratio | 17.6166% | 329 |
| Tier 1 risk-based capital ratio | 35.2298% | 319 |
| Total risk-based capital ratio | 36.2244% | 321 |
| Memoranda: | ||
| Average total assets | $100,608,250 | 4,271 |
| Average earning assets | $89,986,500 | 4,333 |
| Average equity | $17,525,250 | 3,457 |
| Average total loans | $41,343,750 | 4,730 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2005% | 5,241 |
| Cost of funding earning assets | 0.1977% | 5,006 |
| Net interest margin | 3.0028% | 4,909 |
| Noninterest income to average assets | 0.2310% | 4,853 |
| Noninterest expense to average assets | 2.2710% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6339% | 4,145 |
| Return on assets (ROA) | 0.6339% | 4,196 |
| Pretax return on assets | 0.6299% | 4,739 |
| Return on Equity (ROE) | 3.6872% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.2858% | 4,313 |
| Net charge-offs to loans | 0.0195% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 79.7500% | 772 |
| Efficiency ratio | 78.2845% | 1,424 |
| Assets per employee ($millions) | 4.0492% | 3,874 |
| Cash dividends to net income (ytd only)* | 38.0062% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,843 |
| Loan loss allowance to noncurrent loans | 138.9646% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,664 |
| Noncurrent loans to loans | 0.8839% | 2,209 |
| Net loans and leases to total assets | 40.5117% | 5,212 |
| Net loans and leases to deposits | 49.1344% | 5,170 |
| Net loans and leases to core deposits | 50.2180% | 5,214 |
| Total domestic deposits to total assets | 82.4509% | 3,748 |
| Equity capital to assets | 17.4533% | 366 |
| Core capital (leverage) ratio | 17.5634% | 326 |
| Tier 1 risk-based capital ratio | 34.3537% | 320 |
| Total risk-based capital ratio | 35.3318% | 322 |
| Memoranda: | ||
| Average total assets | $101,278,000 | 4,282 |
| Average earning assets | $90,049,330 | 4,355 |
| Average equity | $17,411,670 | 3,480 |
| Average total loans | $41,079,670 | 4,773 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1576% | 5,297 |
| Cost of funding earning assets | 0.2046% | 4,938 |
| Net interest margin | 2.9530% | 4,992 |
| Noninterest income to average assets | 0.3475% | 4,066 |
| Noninterest expense to average assets | 2.3415% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6357% | 3,999 |
| Return on assets (ROA) | 0.6357% | 4,045 |
| Pretax return on assets | 0.6278% | 4,668 |
| Return on Equity (ROE) | 3.7261% | 4,874 |
| Retained earnings to average equity (ytd only) | 2.3143% | 4,216 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8564% | 1,508 |
| Assets per employee ($millions) | 4.0264% | 3,969 |
| Cash dividends to net income (ytd only)* | 37.8882% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,805 |
| Loan loss allowance to noncurrent loans | 138.1720% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 2,869 |
| Noncurrent loans to loans | 0.9068% | 2,225 |
| Net loans and leases to total assets | 40.2454% | 5,243 |
| Net loans and leases to deposits | 48.7415% | 5,186 |
| Net loans and leases to core deposits | 49.4555% | 5,243 |
| Total domestic deposits to total assets | 82.5690% | 3,983 |
| Equity capital to assets | 17.2402% | 363 |
| Core capital (leverage) ratio | 17.5966% | 313 |
| Tier 1 risk-based capital ratio | 35.2663% | 320 |
| Total risk-based capital ratio | 36.2839% | 319 |
| Memoranda: | ||
| Average total assets | $101,302,000 | 4,324 |
| Average earning assets | $89,943,000 | 4,399 |
| Average equity | $17,283,500 | 3,508 |
| Average total loans | $40,859,500 | 4,819 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3019% | 5,158 |
| Cost of funding earning assets | 0.2552% | 4,519 |
| Net interest margin | 3.0467% | 4,857 |
| Noninterest income to average assets | 0.4056% | 3,833 |
| Noninterest expense to average assets | 2.3117% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7834% | 3,382 |
| Return on assets (ROA) | 0.7834% | 3,483 |
| Pretax return on assets | 0.7864% | 4,222 |
| Return on Equity (ROE) | 4.4656% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.1446% | 4,836 |
| Net charge-offs to loans | 0.0451% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 41.8421% | 1,142 |
| Efficiency ratio | 74.6169% | 2,202 |
| Assets per employee ($millions) | 4.0778% | 3,832 |
| Cash dividends to net income (ytd only)* | 74.3687% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,739 |
| Loan loss allowance to noncurrent loans | 138.1720% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 2,973 |
| Noncurrent loans to loans | 0.9141% | 2,266 |
| Net loans and leases to total assets | 39.4138% | 5,338 |
| Net loans and leases to deposits | 47.6982% | 5,312 |
| Net loans and leases to core deposits | 48.3857% | 5,355 |
| Total domestic deposits to total assets | 82.6316% | 3,882 |
| Equity capital to assets | 16.8848% | 400 |
| Core capital (leverage) ratio | 17.1989% | 346 |
| Tier 1 risk-based capital ratio | 34.7334% | 328 |
| Total risk-based capital ratio | 35.7413% | 331 |
| Memoranda: | ||
| Average total assets | $101,095,400 | 4,335 |
| Average earning assets | $89,341,800 | 4,405 |
| Average equity | $17,735,400 | 3,448 |
| Average total loans | $42,138,600 | 4,812 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2156% | 5,341 |
| Cost of funding earning assets | 0.2644% | 4,460 |
| Net interest margin | 2.9513% | 5,095 |
| Noninterest income to average assets | 0.3991% | 3,928 |
| Noninterest expense to average assets | 2.3142% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6939% | 3,881 |
| Return on assets (ROA) | 0.6939% | 4,014 |
| Pretax return on assets | 0.6965% | 4,618 |
| Return on Equity (ROE) | 3.9179% | 4,933 |
| Retained earnings to average equity (ytd only) | 1.8657% | 4,748 |
| Net charge-offs to loans | -0.0031% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8657% | 1,852 |
| Assets per employee ($millions) | 4.0507% | 3,872 |
| Cash dividends to net income (ytd only)* | 52.3815% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,779 |
| Loan loss allowance to noncurrent loans | 232.1739% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 3,616 |
| Noncurrent loans to loans | 0.5527% | 3,338 |
| Net loans and leases to total assets | 40.5676% | 5,351 |
| Net loans and leases to deposits | 49.4857% | 5,323 |
| Net loans and leases to core deposits | 50.4507% | 5,366 |
| Total domestic deposits to total assets | 81.9785% | 3,940 |
| Equity capital to assets | 17.8842% | 355 |
| Core capital (leverage) ratio | 17.4487% | 333 |
| Tier 1 risk-based capital ratio | 34.3886% | 349 |
| Total risk-based capital ratio | 35.4225% | 349 |
| Memoranda: | ||
| Average total assets | $100,883,250 | 4,373 |
| Average earning assets | $89,270,500 | 4,444 |
| Average equity | $17,866,000 | 3,454 |
| Average total loans | $42,499,750 | 4,844 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2256% | 5,396 |
| Cost of funding earning assets | 0.2714% | 4,426 |
| Net interest margin | 2.9542% | 5,164 |
| Noninterest income to average assets | 0.3930% | 3,922 |
| Noninterest expense to average assets | 2.3026% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7007% | 3,784 |
| Return on assets (ROA) | 0.7007% | 3,944 |
| Pretax return on assets | 0.7047% | 4,604 |
| Return on Equity (ROE) | 3.9698% | 4,925 |
| Retained earnings to average equity (ytd only) | 2.2492% | 4,445 |
| Net charge-offs to loans | -0.0047% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5677% | 1,997 |
| Assets per employee ($millions) | 3.8699% | 4,134 |
| Cash dividends to net income (ytd only)* | 43.3428% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 3,084 |
| Loan loss allowance to noncurrent loans | 606.8182% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 4,254 |
| Noncurrent loans to loans | 0.2057% | 4,618 |
| Net loans and leases to total assets | 41.9975% | 5,341 |
| Net loans and leases to deposits | 51.2840% | 5,284 |
| Net loans and leases to core deposits | 52.4554% | 5,348 |
| Total domestic deposits to total assets | 81.8919% | 4,027 |
| Equity capital to assets | 17.9938% | 344 |
| Core capital (leverage) ratio | 17.4269% | 333 |
| Tier 1 risk-based capital ratio | 34.3310% | 353 |
| Total risk-based capital ratio | 35.3661% | 349 |
| Memoranda: | ||
| Average total assets | $100,755,000 | 4,413 |
| Average earning assets | $89,162,670 | 4,483 |
| Average equity | $17,784,330 | 3,474 |
| Average total loans | $42,794,330 | 4,868 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 5,394 |
| Cost of funding earning assets | 0.2874% | 4,304 |
| Net interest margin | 2.9732% | 5,177 |
| Noninterest income to average assets | 0.3888% | 3,911 |
| Noninterest expense to average assets | 2.2971% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7102% | 3,661 |
| Return on assets (ROA) | 0.7102% | 3,781 |
| Pretax return on assets | 0.7181% | 4,460 |
| Return on Equity (ROE) | 4.0626% | 4,871 |
| Retained earnings to average equity (ytd only) | 1.9746% | 4,462 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1842% | 2,153 |
| Assets per employee ($millions) | 3.8812% | 4,159 |
| Cash dividends to net income (ytd only)* | 51.3966% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 3,161 |
| Loan loss allowance to noncurrent loans | 579.3478% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 4,306 |
| Noncurrent loans to loans | 0.2163% | 4,655 |
| Net loans and leases to total assets | 41.6189% | 5,369 |
| Net loans and leases to deposits | 50.6769% | 5,305 |
| Net loans and leases to core deposits | 51.8251% | 5,360 |
| Total domestic deposits to total assets | 82.1258% | 4,184 |
| Equity capital to assets | 17.6532% | 356 |
| Core capital (leverage) ratio | 17.2789% | 349 |
| Tier 1 risk-based capital ratio | 34.1788% | 363 |
| Total risk-based capital ratio | 35.2140% | 361 |
| Memoranda: | ||
| Average total assets | $100,823,500 | 4,454 |
| Average earning assets | $89,061,500 | 4,523 |
| Average equity | $17,624,000 | 3,487 |
| Average total loans | $42,796,000 | 4,907 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,329 |
| Cost of funding earning assets | 0.3409% | 3,786 |
| Net interest margin | 2.9705% | 5,206 |
| Noninterest income to average assets | 0.4676% | 3,544 |
| Noninterest expense to average assets | 2.4641% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4836% | 4,752 |
| Return on assets (ROA) | 0.4836% | 4,839 |
| Pretax return on assets | 0.6155% | 4,793 |
| Return on Equity (ROE) | 2.7666% | 5,384 |
| Retained earnings to average equity (ytd only) | 0.6345% | 5,261 |
| Net charge-offs to loans | 0.0499% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,477 |
| Efficiency ratio | 80.0130% | 1,676 |
| Assets per employee ($millions) | 3.7310% | 4,409 |
| Cash dividends to net income (ytd only)* | 77.0661% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 3,260 |
| Loan loss allowance to noncurrent loans | 239.0135% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 3,829 |
| Noncurrent loans to loans | 0.5179% | 3,619 |
| Net loans and leases to total assets | 42.2173% | 5,399 |
| Net loans and leases to deposits | 51.3946% | 5,317 |
| Net loans and leases to core deposits | 52.5589% | 5,391 |
| Total domestic deposits to total assets | 82.1434% | 4,134 |
| Equity capital to assets | 17.3066% | 380 |
| Core capital (leverage) ratio | 17.4256% | 321 |
| Tier 1 risk-based capital ratio | 33.8338% | 367 |
| Total risk-based capital ratio | 34.8636% | 374 |
| Memoranda: | ||
| Average total assets | $100,078,200 | 4,460 |
| Average earning assets | $88,000,000 | 4,538 |
| Average equity | $17,494,600 | 3,459 |
| Average total loans | $42,096,800 | 4,928 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3215% | 5,370 |
| Cost of funding earning assets | 0.3532% | 3,721 |
| Net interest margin | 2.9683% | 5,273 |
| Noninterest income to average assets | 0.4951% | 3,403 |
| Noninterest expense to average assets | 2.4968% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4244% | 5,071 |
| Return on assets (ROA) | 0.4244% | 5,158 |
| Pretax return on assets | 0.6005% | 4,971 |
| Return on Equity (ROE) | 2.4215% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.4215% | 4,660 |
| Net charge-offs to loans | 0.0765% | 2,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.7497% | 1,981 |
| Efficiency ratio | 80.6118% | 1,566 |
| Assets per employee ($millions) | 3.5871% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 3,437 |
| Loan loss allowance to noncurrent loans | 227.4678% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 3,905 |
| Noncurrent loans to loans | 0.5448% | 3,708 |
| Net loans and leases to total assets | 43.6125% | 5,381 |
| Net loans and leases to deposits | 53.5640% | 5,279 |
| Net loans and leases to core deposits | 54.8436% | 5,367 |
| Total domestic deposits to total assets | 81.4213% | 4,358 |
| Equity capital to assets | 18.4352% | 312 |
| Core capital (leverage) ratio | 17.7065% | 314 |
| Tier 1 risk-based capital ratio | 33.7454% | 388 |
| Total risk-based capital ratio | 34.7548% | 389 |
| Memoranda: | ||
| Average total assets | $99,913,750 | 4,510 |
| Average earning assets | $87,589,500 | 4,596 |
| Average equity | $17,509,750 | 3,480 |
| Average total loans | $41,855,750 | 4,997 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2928% | 5,453 |
| Cost of funding earning assets | 0.3613% | 3,678 |
| Net interest margin | 2.9315% | 5,380 |
| Noninterest income to average assets | 0.4815% | 3,495 |
| Noninterest expense to average assets | 2.4927% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2834% | 5,488 |
| Return on assets (ROA) | 0.2834% | 5,577 |
| Pretax return on assets | 0.5449% | 5,104 |
| Return on Equity (ROE) | 1.6442% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.6442% | 4,879 |
| Net charge-offs to loans | 0.1203% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,331 |
| Efficiency ratio | 82.0613% | 1,483 |
| Assets per employee ($millions) | 3.6100% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 3,495 |
| Loan loss allowance to noncurrent loans | 203.4615% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 3,953 |
| Noncurrent loans to loans | 0.6156% | 3,620 |
| Net loans and leases to total assets | 42.7881% | 5,450 |
| Net loans and leases to deposits | 52.2121% | 5,366 |
| Net loans and leases to core deposits | 53.2698% | 5,469 |
| Total domestic deposits to total assets | 81.9505% | 4,303 |
| Equity capital to assets | 17.9294% | 344 |
| Core capital (leverage) ratio | 17.5348% | 327 |
| Tier 1 risk-based capital ratio | 33.7372% | 399 |
| Total risk-based capital ratio | 34.7545% | 404 |
| Memoranda: | ||
| Average total assets | $100,934,000 | 4,536 |
| Average earning assets | $88,009,000 | 4,639 |
| Average equity | $17,394,670 | 3,510 |
| Average total loans | $41,551,000 | 5,046 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,545 |
| Cost of funding earning assets | 0.3643% | 3,703 |
| Net interest margin | 2.8916% | 5,473 |
| Noninterest income to average assets | 0.4636% | 3,546 |
| Noninterest expense to average assets | 2.5052% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0506% | 6,055 |
| Return on assets (ROA) | -0.0506% | 6,092 |
| Pretax return on assets | 0.4636% | 5,278 |
| Return on Equity (ROE) | -0.2996% | 6,082 |
| Retained earnings to average equity (ytd only) | -0.2996% | 5,436 |
| Net charge-offs to loans | 0.2427% | 983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.7600% | 2,451 |
| Efficiency ratio | 84.3832% | 1,332 |
| Assets per employee ($millions) | 3.5482% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 3,361 |
| Loan loss allowance to noncurrent loans | 201.1407% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 4,060 |
| Noncurrent loans to loans | 0.6501% | 3,650 |
| Net loans and leases to total assets | 40.1872% | 5,590 |
| Net loans and leases to deposits | 48.8045% | 5,526 |
| Net loans and leases to core deposits | 49.7675% | 5,601 |
| Total domestic deposits to total assets | 82.3432% | 4,401 |
| Equity capital to assets | 17.5148% | 376 |
| Core capital (leverage) ratio | 16.8198% | 377 |
| Tier 1 risk-based capital ratio | 34.1605% | 389 |
| Total risk-based capital ratio | 35.1998% | 387 |
| Memoranda: | ||
| Average total assets | $102,665,500 | 4,538 |
| Average earning assets | $88,946,000 | 4,657 |
| Average equity | $17,354,000 | 3,543 |
| Average total loans | $41,209,000 | 5,096 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 5,516 |
| Cost of funding earning assets | 0.3868% | 3,833 |
| Net interest margin | 3.0185% | 5,408 |
| Noninterest income to average assets | 0.4463% | 3,859 |
| Noninterest expense to average assets | 2.4145% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5340% | 4,668 |
| Return on assets (ROA) | 0.5340% | 4,752 |
| Pretax return on assets | 0.7094% | 4,586 |
| Return on Equity (ROE) | 2.7638% | 5,554 |
| Retained earnings to average equity (ytd only) | -18.5836% | 6,415 |
| Net charge-offs to loans | 0.2706% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.4561% | 3,193 |
| Efficiency ratio | 77.2910% | 2,315 |
| Assets per employee ($millions) | 3.6545% | 4,620 |
| Cash dividends to net income (ytd only)* | 772.3827% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 3,313 |
| Loan loss allowance to noncurrent loans | 113.9918% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 4,286 |
| Noncurrent loans to loans | 1.1582% | 2,522 |
| Net loans and leases to total assets | 39.0721% | 5,797 |
| Net loans and leases to deposits | 49.0390% | 5,629 |
| Net loans and leases to core deposits | 49.9741% | 5,715 |
| Total domestic deposits to total assets | 79.6756% | 5,100 |
| Equity capital to assets | 16.3303% | 496 |
| Core capital (leverage) ratio | 16.5473% | 409 |
| Tier 1 risk-based capital ratio | 33.8377% | 375 |
| Total risk-based capital ratio | 34.9150% | 370 |
| Memoranda: | ||
| Average total assets | $103,747,000 | 4,506 |
| Average earning assets | $92,032,200 | 4,606 |
| Average equity | $20,044,600 | 3,155 |
| Average total loans | $42,126,200 | 5,103 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 5,556 |
| Cost of funding earning assets | 0.3922% | 3,876 |
| Net interest margin | 3.0279% | 5,443 |
| Noninterest income to average assets | 0.4329% | 4,003 |
| Noninterest expense to average assets | 2.3930% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5517% | 4,667 |
| Return on assets (ROA) | 0.5517% | 4,749 |
| Pretax return on assets | 0.7430% | 4,547 |
| Return on Equity (ROE) | 2.7465% | 5,634 |
| Retained earnings to average equity (ytd only) | 1.2928% | 5,377 |
| Net charge-offs to loans | 0.0032% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 576.4286% | 133 |
| Efficiency ratio | 76.3082% | 2,445 |
| Assets per employee ($millions) | 3.4930% | 4,876 |
| Cash dividends to net income (ytd only)* | 52.9281% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 2,488 |
| Loan loss allowance to noncurrent loans | 117.8445% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 4,186 |
| Noncurrent loans to loans | 1.3183% | 2,445 |
| Net loans and leases to total assets | 41.7258% | 5,698 |
| Net loans and leases to deposits | 52.7165% | 5,489 |
| Net loans and leases to core deposits | 54.0872% | 5,557 |
| Total domestic deposits to total assets | 79.1514% | 5,289 |
| Equity capital to assets | 20.6926% | 203 |
| Core capital (leverage) ratio | 20.5639% | 196 |
| Tier 1 risk-based capital ratio | 41.4830% | 216 |
| Total risk-based capital ratio | 42.7338% | 215 |
| Memoranda: | ||
| Average total assets | $103,188,500 | 4,566 |
| Average earning assets | $92,118,000 | 4,645 |
| Average equity | $20,729,000 | 3,089 |
| Average total loans | $42,167,000 | 5,157 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4193% | 5,583 |
| Cost of funding earning assets | 0.3945% | 3,920 |
| Net interest margin | 3.0248% | 5,454 |
| Noninterest income to average assets | 0.4161% | 4,128 |
| Noninterest expense to average assets | 2.3657% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5259% | 4,710 |
| Return on assets (ROA) | 0.5259% | 4,801 |
| Pretax return on assets | 0.7532% | 4,442 |
| Return on Equity (ROE) | 2.6439% | 5,651 |
| Retained earnings to average equity (ytd only) | 0.4552% | 5,562 |
| Net charge-offs to loans | -0.0095% | 5,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8493% | 2,664 |
| Assets per employee ($millions) | 3.6925% | 4,466 |
| Cash dividends to net income (ytd only)* | 82.7839% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 2,496 |
| Loan loss allowance to noncurrent loans | 279.1667% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 5,402 |
| Noncurrent loans to loans | 0.5697% | 4,309 |
| Net loans and leases to total assets | 40.0952% | 5,805 |
| Net loans and leases to deposits | 50.3284% | 5,615 |
| Net loans and leases to core deposits | 51.5988% | 5,686 |
| Total domestic deposits to total assets | 79.6671% | 5,312 |
| Equity capital to assets | 20.1849% | 208 |
| Core capital (leverage) ratio | 20.3280% | 189 |
| Tier 1 risk-based capital ratio | 43.3329% | 197 |
| Total risk-based capital ratio | 44.5834% | 193 |
| Memoranda: | ||
| Average total assets | $103,819,000 | 4,585 |
| Average earning assets | $92,766,330 | 4,665 |
| Average equity | $20,651,670 | 3,101 |
| Average total loans | $41,911,330 | 5,198 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 5,665 |
| Cost of funding earning assets | 0.3916% | 4,069 |
| Net interest margin | 3.0009% | 5,518 |
| Noninterest income to average assets | 0.3999% | 4,187 |
| Noninterest expense to average assets | 2.4108% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4652% | 4,873 |
| Return on assets (ROA) | 0.4652% | 4,939 |
| Pretax return on assets | 0.6998% | 4,490 |
| Return on Equity (ROE) | 2.3560% | 5,688 |
| Retained earnings to average equity (ytd only) | -1.6356% | 5,816 |
| Net charge-offs to loans | -0.0096% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5031% | 2,553 |
| Assets per employee ($millions) | 3.7218% | 4,475 |
| Cash dividends to net income (ytd only)* | 169.4215% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 2,639 |
| Loan loss allowance to noncurrent loans | 270.8502% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 5,489 |
| Noncurrent loans to loans | 0.5957% | 4,370 |
| Net loans and leases to total assets | 39.1437% | 5,869 |
| Net loans and leases to deposits | 48.8708% | 5,680 |
| Net loans and leases to core deposits | 50.0853% | 5,755 |
| Total domestic deposits to total assets | 80.0962% | 5,464 |
| Equity capital to assets | 19.7167% | 223 |
| Core capital (leverage) ratio | 20.1186% | 199 |
| Tier 1 risk-based capital ratio | 43.1177% | 195 |
| Total risk-based capital ratio | 44.3698% | 193 |
| Memoranda: | ||
| Average total assets | $104,034,000 | 4,628 |
| Average earning assets | $93,971,500 | 4,688 |
| Average equity | $20,543,000 | 3,113 |
| Average total loans | $41,805,000 | 5,249 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 5,434 |
| Cost of funding earning assets | 0.4481% | 4,136 |
| Net interest margin | 3.1408% | 5,194 |
| Noninterest income to average assets | 0.5352% | 3,518 |
| Noninterest expense to average assets | 2.3772% | 5,136 |
| Loan and lease loss provision to assets | 0.0088% | 4,950 |
| Net operating income to assets | 0.7123% | 3,741 |
| Return on assets (ROA) | 0.7123% | 3,822 |
| Pretax return on assets | 1.0071% | 3,322 |
| Return on Equity (ROE) | 3.4498% | 5,347 |
| Retained earnings to average equity (ytd only) | -2.0737% | 6,184 |
| Net charge-offs to loans | 0.3706% | 1,823 |
| Credit loss provision to net charge-offs | 5.8065% | 4,636 |
| Earnings coverage of net charge-offs (x) | 6.7355% | 2,996 |
| Efficiency ratio | 70.0602% | 3,828 |
| Assets per employee ($millions) | 3.7092% | 4,457 |
| Cash dividends to net income (ytd only)* | 160.1093% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 2,819 |
| Loan loss allowance to noncurrent loans | 260.9375% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 5,290 |
| Noncurrent loans to loans | 0.6074% | 4,458 |
| Net loans and leases to total assets | 39.9405% | 5,969 |
| Net loans and leases to deposits | 50.1578% | 5,759 |
| Net loans and leases to core deposits | 51.1644% | 5,862 |
| Total domestic deposits to total assets | 79.6297% | 5,525 |
| Equity capital to assets | 19.7762% | 224 |
| Core capital (leverage) ratio | 20.3915% | 180 |
| Tier 1 risk-based capital ratio | 42.6251% | 193 |
| Total risk-based capital ratio | 43.8761% | 192 |
| Memoranda: | ||
| Average total assets | $102,766,400 | 4,676 |
| Average earning assets | $93,511,200 | 4,691 |
| Average equity | $21,218,400 | 3,010 |
| Average total loans | $41,820,600 | 5,271 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 5,445 |
| Cost of funding earning assets | 0.4582% | 4,186 |
| Net interest margin | 3.1385% | 5,207 |
| Noninterest income to average assets | 0.5386% | 3,530 |
| Noninterest expense to average assets | 2.3546% | 5,169 |
| Loan and lease loss provision to assets | 0.0117% | 4,765 |
| Net operating income to assets | 0.7376% | 3,662 |
| Return on assets (ROA) | 0.7376% | 3,793 |
| Pretax return on assets | 1.0329% | 3,364 |
| Return on Equity (ROE) | 3.5346% | 5,423 |
| Retained earnings to average equity (ytd only) | -1.3091% | 6,175 |
| Net charge-offs to loans | 0.4760% | 1,354 |
| Credit loss provision to net charge-offs | 6.0403% | 4,272 |
| Earnings coverage of net charge-offs (x) | 5.3893% | 3,205 |
| Efficiency ratio | 69.2690% | 3,878 |
| Assets per employee ($millions) | 3.6560% | 4,546 |
| Cash dividends to net income (ytd only)* | 137.0367% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 2,965 |
| Loan loss allowance to noncurrent loans | 235.6643% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 5,309 |
| Noncurrent loans to loans | 0.6831% | 4,492 |
| Net loans and leases to total assets | 40.2444% | 6,014 |
| Net loans and leases to deposits | 50.5131% | 5,800 |
| Net loans and leases to core deposits | 51.2375% | 5,934 |
| Total domestic deposits to total assets | 79.6712% | 5,590 |
| Equity capital to assets | 20.1598% | 207 |
| Core capital (leverage) ratio | 20.6588% | 175 |
| Tier 1 risk-based capital ratio | 43.9584% | 184 |
| Total risk-based capital ratio | 45.2120% | 182 |
| Memoranda: | ||
| Average total assets | $102,493,750 | 4,727 |
| Average earning assets | $93,416,750 | 4,741 |
| Average equity | $21,388,250 | 3,031 |
| Average total loans | $41,738,500 | 5,326 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 5,429 |
| Cost of funding earning assets | 0.4643% | 4,266 |
| Net interest margin | 3.1368% | 5,169 |
| Noninterest income to average assets | 0.5149% | 3,742 |
| Noninterest expense to average assets | 2.3348% | 5,260 |
| Loan and lease loss provision to assets | 0.0176% | 4,549 |
| Net operating income to assets | 0.7275% | 3,684 |
| Return on assets (ROA) | 0.7275% | 3,847 |
| Pretax return on assets | 1.0221% | 3,407 |
| Return on Equity (ROE) | 3.4475% | 5,450 |
| Retained earnings to average equity (ytd only) | -3.7341% | 6,370 |
| Net charge-offs to loans | 0.7195% | 904 |
| Credit loss provision to net charge-offs | 6.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | 3.5533% | 3,362 |
| Efficiency ratio | 69.1908% | 3,981 |
| Assets per employee ($millions) | 3.6334% | 4,546 |
| Cash dividends to net income (ytd only)* | 208.3110% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,031 |
| Loan loss allowance to noncurrent loans | 228.1356% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 5,303 |
| Noncurrent loans to loans | 0.7159% | 4,496 |
| Net loans and leases to total assets | 39.8433% | 6,054 |
| Net loans and leases to deposits | 50.4738% | 5,804 |
| Net loans and leases to core deposits | 51.2071% | 5,943 |
| Total domestic deposits to total assets | 78.9386% | 5,811 |
| Equity capital to assets | 20.8943% | 170 |
| Core capital (leverage) ratio | 20.5979% | 160 |
| Tier 1 risk-based capital ratio | 44.7963% | 169 |
| Total risk-based capital ratio | 46.0475% | 171 |
| Memoranda: | ||
| Average total assets | $102,536,000 | 4,758 |
| Average earning assets | $93,471,000 | 4,769 |
| Average equity | $21,638,670 | 3,023 |
| Average total loans | $41,694,330 | 5,346 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 5,307 |
| Cost of funding earning assets | 0.4792% | 4,285 |
| Net interest margin | 3.1704% | 5,025 |
| Noninterest income to average assets | 0.5596% | 3,371 |
| Noninterest expense to average assets | 2.2577% | 5,548 |
| Loan and lease loss provision to assets | 0.0350% | 4,009 |
| Net operating income to assets | 0.8510% | 2,901 |
| Return on assets (ROA) | 0.8510% | 3,038 |
| Pretax return on assets | 1.1463% | 2,781 |
| Return on Equity (ROE) | 4.0129% | 5,083 |
| Retained earnings to average equity (ytd only) | -6.4683% | 6,442 |
| Net charge-offs to loans | 1.4116% | 386 |
| Credit loss provision to net charge-offs | 6.0811% | 3,185 |
| Earnings coverage of net charge-offs (x) | 2.0541% | 3,147 |
| Efficiency ratio | 65.6497% | 4,721 |
| Assets per employee ($millions) | 3.6738% | 4,619 |
| Cash dividends to net income (ytd only)* | 261.1872% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 3,239 |
| Loan loss allowance to noncurrent loans | 213.9683% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 5,306 |
| Noncurrent loans to loans | 0.7661% | 4,595 |
| Net loans and leases to total assets | 39.3191% | 6,050 |
| Net loans and leases to deposits | 49.9124% | 5,793 |
| Net loans and leases to core deposits | 50.6290% | 5,925 |
| Total domestic deposits to total assets | 78.7763% | 5,997 |
| Equity capital to assets | 20.9758% | 178 |
| Core capital (leverage) ratio | 20.4540% | 174 |
| Tier 1 risk-based capital ratio | 44.9036% | 169 |
| Total risk-based capital ratio | 46.1547% | 169 |
| Memoranda: | ||
| Average total assets | $102,936,000 | 4,793 |
| Average earning assets | $93,490,500 | 4,811 |
| Average equity | $21,829,500 | 3,045 |
| Average total loans | $41,937,500 | 5,376 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 5,040 |
| Cost of funding earning assets | 0.6437% | 3,974 |
| Net interest margin | 3.4309% | 4,775 |
| Noninterest income to average assets | 0.4930% | 3,947 |
| Noninterest expense to average assets | 2.3260% | 5,620 |
| Loan and lease loss provision to assets | 0.0429% | 5,316 |
| Net operating income to assets | 0.9289% | 2,656 |
| Return on assets (ROA) | 0.9289% | 2,906 |
| Pretax return on assets | 1.1892% | 2,837 |
| Return on Equity (ROE) | 4.3724% | 4,986 |
| Retained earnings to average equity (ytd only) | 0.5252% | 5,585 |
| Net charge-offs to loans | 0.0423% | 5,330 |
| Credit loss provision to net charge-offs | 236.8421% | 1,048 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 534 |
| Efficiency ratio | 65.3712% | 4,634 |
| Assets per employee ($millions) | 3.3228% | 5,374 |
| Cash dividends to net income (ytd only)* | 87.9877% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 2,291 |
| Loan loss allowance to noncurrent loans | 151.3966% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 4,943 |
| Noncurrent loans to loans | 1.2560% | 3,735 |
| Net loans and leases to total assets | 40.7180% | 6,123 |
| Net loans and leases to deposits | 52.0321% | 5,804 |
| Net loans and leases to core deposits | 52.6123% | 5,970 |
| Total domestic deposits to total assets | 78.2556% | 6,036 |
| Equity capital to assets | 21.4376% | 171 |
| Core capital (leverage) ratio | 20.8858% | 168 |
| Tier 1 risk-based capital ratio | 44.8421% | 173 |
| Total risk-based capital ratio | 46.0959% | 174 |
| Memoranda: | ||
| Average total assets | $104,857,800 | 4,710 |
| Average earning assets | $93,678,200 | 4,761 |
| Average equity | $22,276,200 | 2,940 |
| Average total loans | $44,970,000 | 5,284 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 5,039 |
| Cost of funding earning assets | 0.6763% | 3,966 |
| Net interest margin | 3.4642% | 4,791 |
| Noninterest income to average assets | 0.5633% | 3,518 |
| Noninterest expense to average assets | 2.2724% | 5,764 |
| Loan and lease loss provision to assets | 0.0380% | 5,301 |
| Net operating income to assets | 1.0545% | 2,270 |
| Return on assets (ROA) | 1.0545% | 2,484 |
| Pretax return on assets | 1.3394% | 2,454 |
| Return on Equity (ROE) | 4.9749% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.7062% | 3,590 |
| Net charge-offs to loans | 0.0732% | 4,678 |
| Credit loss provision to net charge-offs | 120.0000% | 2,414 |
| Earnings coverage of net charge-offs (x) | 43.5233% | 826 |
| Efficiency ratio | 62.2615% | 5,112 |
| Assets per employee ($millions) | 3.4021% | 5,203 |
| Cash dividends to net income (ytd only)* | 5.4023% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 2,835 |
| Loan loss allowance to noncurrent loans | 146.1255% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 4,528 |
| Noncurrent loans to loans | 1.2228% | 4,010 |
| Net loans and leases to total assets | 42.6521% | 6,073 |
| Net loans and leases to deposits | 55.0508% | 5,714 |
| Net loans and leases to core deposits | 55.6754% | 5,918 |
| Total domestic deposits to total assets | 77.4776% | 6,168 |
| Equity capital to assets | 22.2666% | 162 |
| Core capital (leverage) ratio | 21.2431% | 162 |
| Tier 1 risk-based capital ratio | 44.8949% | 176 |
| Total risk-based capital ratio | 46.1487% | 175 |
| Memoranda: | ||
| Average total assets | $105,320,750 | 4,741 |
| Average earning assets | $93,835,000 | 4,800 |
| Average equity | $22,324,750 | 2,969 |
| Average total loans | $45,523,750 | 5,320 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 5,087 |
| Cost of funding earning assets | 0.7086% | 3,947 |
| Net interest margin | 3.4502% | 4,879 |
| Noninterest income to average assets | 0.5676% | 3,469 |
| Noninterest expense to average assets | 2.2593% | 5,849 |
| Loan and lease loss provision to assets | 0.0282% | 5,319 |
| Net operating income to assets | 1.0732% | 2,156 |
| Return on assets (ROA) | 1.0732% | 2,378 |
| Pretax return on assets | 1.3552% | 2,369 |
| Return on Equity (ROE) | 5.1462% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.7407% | 3,455 |
| Net charge-offs to loans | 0.1219% | 3,952 |
| Credit loss provision to net charge-offs | 53.5714% | 3,962 |
| Earnings coverage of net charge-offs (x) | 26.2857% | 1,170 |
| Efficiency ratio | 62.0227% | 5,242 |
| Assets per employee ($millions) | 3.4798% | 5,027 |
| Cash dividends to net income (ytd only)* | 7.8809% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 3,256 |
| Loan loss allowance to noncurrent loans | 121.1268% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 4,272 |
| Noncurrent loans to loans | 1.3968% | 3,829 |
| Net loans and leases to total assets | 43.0795% | 6,104 |
| Net loans and leases to deposits | 55.1249% | 5,752 |
| Net loans and leases to core deposits | 55.7695% | 5,963 |
| Total domestic deposits to total assets | 78.1489% | 6,128 |
| Equity capital to assets | 21.5771% | 175 |
| Core capital (leverage) ratio | 20.7975% | 172 |
| Tier 1 risk-based capital ratio | 43.0045% | 191 |
| Total risk-based capital ratio | 44.2570% | 190 |
| Memoranda: | ||
| Average total assets | $106,406,670 | 4,743 |
| Average earning assets | $94,836,000 | 4,795 |
| Average equity | $22,191,000 | 2,965 |
| Average total loans | $45,923,670 | 5,344 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 5,189 |
| Cost of funding earning assets | 0.7489% | 3,869 |
| Net interest margin | 3.4283% | 5,001 |
| Noninterest income to average assets | 0.5921% | 3,286 |
| Noninterest expense to average assets | 2.2008% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1805% | 1,800 |
| Return on assets (ROA) | 1.1805% | 1,981 |
| Pretax return on assets | 1.4598% | 1,990 |
| Return on Equity (ROE) | 5.7574% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.9401% | 3,592 |
| Net charge-offs to loans | 0.0695% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 640 |
| Efficiency ratio | 60.1221% | 5,596 |
| Assets per employee ($millions) | 3.7961% | 4,431 |
| Cash dividends to net income (ytd only)* | 14.1956% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 3,332 |
| Loan loss allowance to noncurrent loans | 153.9526% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 4,840 |
| Noncurrent loans to loans | 1.1075% | 4,484 |
| Net loans and leases to total assets | 42.2500% | 6,169 |
| Net loans and leases to deposits | 53.4759% | 5,864 |
| Net loans and leases to core deposits | 54.4069% | 6,028 |
| Total domestic deposits to total assets | 79.0076% | 6,069 |
| Equity capital to assets | 20.7224% | 201 |
| Core capital (leverage) ratio | 20.1160% | 196 |
| Tier 1 risk-based capital ratio | 43.3507% | 183 |
| Total risk-based capital ratio | 44.6041% | 181 |
| Memoranda: | ||
| Average total assets | $107,413,500 | 4,761 |
| Average earning assets | $96,142,000 | 4,789 |
| Average equity | $22,024,000 | 2,977 |
| Average total loans | $46,012,500 | 5,378 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 5,868 |
| Cost of funding earning assets | 0.9113% | 4,042 |
| Net interest margin | 3.3539% | 5,634 |
| Noninterest income to average assets | 0.5256% | 3,676 |
| Noninterest expense to average assets | 2.3412% | 5,938 |
| Loan and lease loss provision to assets | 0.0944% | 5,414 |
| Net operating income to assets | 0.7842% | 3,114 |
| Return on assets (ROA) | 0.7842% | 3,277 |
| Pretax return on assets | 1.1220% | 2,754 |
| Return on Equity (ROE) | 3.8143% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.9645% | 4,810 |
| Net charge-offs to loans | 0.0373% | 5,943 |
| Credit loss provision to net charge-offs | 555.5556% | 410 |
| Earnings coverage of net charge-offs (x) | 71.6111% | 418 |
| Efficiency ratio | 65.8090% | 4,809 |
| Assets per employee ($millions) | 3.8763% | 4,147 |
| Cash dividends to net income (ytd only)* | 48.4958% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 3,211 |
| Loan loss allowance to noncurrent loans | 124.7227% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 4,840 |
| Noncurrent loans to loans | 1.3617% | 4,099 |
| Net loans and leases to total assets | 41.9686% | 6,391 |
| Net loans and leases to deposits | 53.1697% | 6,127 |
| Net loans and leases to core deposits | 54.0703% | 6,302 |
| Total domestic deposits to total assets | 78.9333% | 6,011 |
| Equity capital to assets | 20.2900% | 216 |
| Core capital (leverage) ratio | 19.7767% | 211 |
| Tier 1 risk-based capital ratio | 42.6029% | 189 |
| Total risk-based capital ratio | 43.8563% | 184 |
| Memoranda: | ||
| Average total assets | $105,970,600 | 4,733 |
| Average earning assets | $95,799,600 | 4,760 |
| Average equity | $21,786,600 | 2,916 |
| Average total loans | $48,261,400 | 5,333 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 5,966 |
| Cost of funding earning assets | 0.9403% | 4,109 |
| Net interest margin | 3.3544% | 5,704 |
| Noninterest income to average assets | 0.5114% | 3,786 |
| Noninterest expense to average assets | 2.2697% | 6,122 |
| Loan and lease loss provision to assets | 0.1139% | 4,999 |
| Net operating income to assets | 0.8051% | 3,131 |
| Return on assets (ROA) | 0.8051% | 3,299 |
| Pretax return on assets | 1.1760% | 2,712 |
| Return on Equity (ROE) | 3.9028% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.9028% | 3,943 |
| Net charge-offs to loans | 0.1149% | 4,869 |
| Credit loss provision to net charge-offs | 214.2857% | 1,345 |
| Earnings coverage of net charge-offs (x) | 24.2613% | 1,081 |
| Efficiency ratio | 63.7624% | 5,116 |
| Assets per employee ($millions) | 3.7619% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 3,767 |
| Loan loss allowance to noncurrent loans | 82.2052% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 4,823 |
| Noncurrent loans to loans | 1.9189% | 3,475 |
| Net loans and leases to total assets | 44.6033% | 6,273 |
| Net loans and leases to deposits | 56.8542% | 5,946 |
| Net loans and leases to core deposits | 57.8482% | 6,138 |
| Total domestic deposits to total assets | 78.4521% | 6,104 |
| Equity capital to assets | 21.1406% | 201 |
| Core capital (leverage) ratio | 20.2438% | 210 |
| Tier 1 risk-based capital ratio | 42.8196% | 205 |
| Total risk-based capital ratio | 44.0732% | 200 |
| Memoranda: | ||
| Average total assets | $105,329,250 | 4,780 |
| Average earning assets | $95,714,000 | 4,785 |
| Average equity | $21,727,750 | 2,910 |
| Average total loans | $48,742,250 | 5,360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 5,877 |
| Cost of funding earning assets | 0.9716% | 4,158 |
| Net interest margin | 3.3672% | 5,654 |
| Noninterest income to average assets | 0.4728% | 4,088 |
| Noninterest expense to average assets | 2.2995% | 6,135 |
| Loan and lease loss provision to assets | 0.1139% | 4,866 |
| Net operating income to assets | 0.7557% | 3,262 |
| Return on assets (ROA) | 0.7557% | 3,394 |
| Pretax return on assets | 1.1260% | 2,745 |
| Return on Equity (ROE) | 3.6941% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.6941% | 3,867 |
| Net charge-offs to loans | 0.1141% | 4,563 |
| Credit loss provision to net charge-offs | 214.2857% | 1,393 |
| Earnings coverage of net charge-offs (x) | 23.3214% | 1,091 |
| Efficiency ratio | 64.9678% | 5,067 |
| Assets per employee ($millions) | 3.7418% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,892 |
| Loan loss allowance to noncurrent loans | 126.1986% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 5,587 |
| Noncurrent loans to loans | 1.2305% | 4,604 |
| Net loans and leases to total assets | 44.5962% | 6,384 |
| Net loans and leases to deposits | 56.5537% | 6,088 |
| Net loans and leases to core deposits | 57.3781% | 6,316 |
| Total domestic deposits to total assets | 78.8563% | 6,118 |
| Equity capital to assets | 20.8411% | 221 |
| Core capital (leverage) ratio | 20.1038% | 217 |
| Tier 1 risk-based capital ratio | 42.3214% | 210 |
| Total risk-based capital ratio | 43.4931% | 210 |
| Memoranda: | ||
| Average total assets | $105,328,000 | 4,816 |
| Average earning assets | $95,925,330 | 4,823 |
| Average equity | $21,547,670 | 2,916 |
| Average total loans | $49,078,000 | 5,392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 5,775 |
| Cost of funding earning assets | 1.0064% | 4,160 |
| Net interest margin | 3.3672% | 5,551 |
| Noninterest income to average assets | 0.4772% | 4,071 |
| Noninterest expense to average assets | 2.3370% | 6,088 |
| Loan and lease loss provision to assets | 0.1136% | 4,597 |
| Net operating income to assets | 0.7348% | 3,349 |
| Return on assets (ROA) | 0.7348% | 3,415 |
| Pretax return on assets | 1.1060% | 2,736 |
| Return on Equity (ROE) | 3.6255% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.6255% | 4,004 |
| Net charge-offs to loans | 0.1443% | 3,629 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 17.8889% | 1,206 |
| Efficiency ratio | 65.7082% | 5,081 |
| Assets per employee ($millions) | 3.7740% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,392 |
| Loan loss allowance to noncurrent loans | 181.0606% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 6,239 |
| Noncurrent loans to loans | 0.8062% | 5,419 |
| Net loans and leases to total assets | 45.8073% | 6,306 |
| Net loans and leases to deposits | 57.6992% | 5,956 |
| Net loans and leases to core deposits | 58.5252% | 6,211 |
| Total domestic deposits to total assets | 79.3898% | 6,089 |
| Equity capital to assets | 20.3140% | 239 |
| Core capital (leverage) ratio | 19.9823% | 230 |
| Tier 1 risk-based capital ratio | 40.5668% | 227 |
| Total risk-based capital ratio | 41.7600% | 226 |
| Memoranda: | ||
| Average total assets | $105,607,500 | 4,846 |
| Average earning assets | $96,577,500 | 4,835 |
| Average equity | $21,404,000 | 2,927 |
| Average total loans | $49,887,000 | 5,394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 5,768 |
| Cost of funding earning assets | 1.3166% | 3,776 |
| Net interest margin | 3.3957% | 5,648 |
| Noninterest income to average assets | 0.5003% | 4,166 |
| Noninterest expense to average assets | 2.2221% | 6,561 |
| Loan and lease loss provision to assets | 0.2690% | 4,655 |
| Net operating income to assets | 0.7455% | 3,017 |
| Return on assets (ROA) | 0.6315% | 3,685 |
| Pretax return on assets | 0.9213% | 3,192 |
| Return on Equity (ROE) | 3.0974% | 4,918 |
| Retained earnings to average equity (ytd only) | 0.1667% | 5,493 |
| Net charge-offs to loans | 0.1574% | 5,407 |
| Credit loss provision to net charge-offs | 351.8519% | 731 |
| Earnings coverage of net charge-offs (x) | 17.7284% | 1,133 |
| Efficiency ratio | 62.1108% | 5,712 |
| Assets per employee ($millions) | 3.7694% | 4,325 |
| Cash dividends to net income (ytd only)* | 94.6188% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,554 |
| Loan loss allowance to noncurrent loans | 153.9301% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 6,183 |
| Noncurrent loans to loans | 0.9042% | 5,252 |
| Net loans and leases to total assets | 47.3234% | 6,448 |
| Net loans and leases to deposits | 59.8526% | 6,072 |
| Net loans and leases to core deposits | 60.7089% | 6,337 |
| Total domestic deposits to total assets | 79.0666% | 6,064 |
| Equity capital to assets | 20.2210% | 251 |
| Core capital (leverage) ratio | 19.7770% | 243 |
| Tier 1 risk-based capital ratio | 39.7001% | 244 |
| Total risk-based capital ratio | 40.9145% | 240 |
| Memoranda: | ||
| Average total assets | $105,934,200 | 4,825 |
| Average earning assets | $96,003,800 | 4,827 |
| Average equity | $21,598,800 | 2,932 |
| Average total loans | $51,474,000 | 5,424 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 5,632 |
| Cost of funding earning assets | 1.3644% | 3,809 |
| Net interest margin | 3.4409% | 5,527 |
| Noninterest income to average assets | 0.4816% | 4,324 |
| Noninterest expense to average assets | 2.2219% | 6,545 |
| Loan and lease loss provision to assets | 0.3206% | 4,023 |
| Net operating income to assets | 0.7809% | 3,084 |
| Return on assets (ROA) | 0.7809% | 3,244 |
| Pretax return on assets | 1.0437% | 3,021 |
| Return on Equity (ROE) | 3.8221% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.4558% | 4,703 |
| Net charge-offs to loans | 0.1187% | 5,364 |
| Credit loss provision to net charge-offs | 554.3478% | 519 |
| Earnings coverage of net charge-offs (x) | 23.5876% | 1,056 |
| Efficiency ratio | 61.9565% | 5,627 |
| Assets per employee ($millions) | 3.7561% | 4,377 |
| Cash dividends to net income (ytd only)* | 35.7484% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 4,532 |
| Loan loss allowance to noncurrent loans | 136.8015% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 6,187 |
| Noncurrent loans to loans | 1.0144% | 5,208 |
| Net loans and leases to total assets | 47.9728% | 6,522 |
| Net loans and leases to deposits | 61.0085% | 6,210 |
| Net loans and leases to core deposits | 61.8862% | 6,472 |
| Total domestic deposits to total assets | 78.6331% | 6,109 |
| Equity capital to assets | 20.8972% | 236 |
| Core capital (leverage) ratio | 20.2909% | 235 |
| Tier 1 risk-based capital ratio | 39.4972% | 255 |
| Total risk-based capital ratio | 40.6978% | 248 |
| Memoranda: | ||
| Average total assets | $106,031,750 | 4,886 |
| Average earning assets | $95,669,750 | 4,906 |
| Average equity | $21,663,000 | 2,962 |
| Average total loans | $51,679,500 | 5,494 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 5,694 |
| Cost of funding earning assets | 1.4096% | 3,813 |
| Net interest margin | 3.4176% | 5,569 |
| Noninterest income to average assets | 0.4590% | 4,442 |
| Noninterest expense to average assets | 2.3176% | 6,310 |
| Loan and lease loss provision to assets | 0.4609% | 3,013 |
| Net operating income to assets | 0.5549% | 4,065 |
| Return on assets (ROA) | 0.5549% | 4,207 |
| Pretax return on assets | 0.7637% | 4,011 |
| Return on Equity (ROE) | 2.7368% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.5327% | 4,543 |
| Net charge-offs to loans | 0.1929% | 4,453 |
| Credit loss provision to net charge-offs | 490.0000% | 758 |
| Earnings coverage of net charge-offs (x) | 13.0200% | 1,619 |
| Efficiency ratio | 65.4275% | 5,075 |
| Assets per employee ($millions) | 3.6964% | 4,479 |
| Cash dividends to net income (ytd only)* | 7.4576% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,697 |
| Loan loss allowance to noncurrent loans | 85.8200% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.7855% | 5,543 |
| Noncurrent loans to loans | 1.5689% | 4,356 |
| Net loans and leases to total assets | 49.2710% | 6,517 |
| Net loans and leases to deposits | 62.6882% | 6,172 |
| Net loans and leases to core deposits | 63.1689% | 6,467 |
| Total domestic deposits to total assets | 78.5969% | 6,130 |
| Equity capital to assets | 20.9944% | 236 |
| Core capital (leverage) ratio | 19.9026% | 253 |
| Tier 1 risk-based capital ratio | 39.5295% | 260 |
| Total risk-based capital ratio | 40.7978% | 250 |
| Memoranda: | ||
| Average total assets | $106,318,330 | 4,905 |
| Average earning assets | $95,915,330 | 4,929 |
| Average equity | $21,558,000 | 2,972 |
| Average total loans | $51,851,330 | 5,526 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8611% | 5,639 |
| Cost of funding earning assets | 1.4399% | 3,936 |
| Net interest margin | 3.4212% | 5,494 |
| Noninterest income to average assets | 0.4344% | 4,616 |
| Noninterest expense to average assets | 2.3244% | 6,319 |
| Loan and lease loss provision to assets | 0.5570% | 2,274 |
| Net operating income to assets | 0.3453% | 5,103 |
| Return on assets (ROA) | 0.3453% | 5,226 |
| Pretax return on assets | 0.6498% | 4,416 |
| Return on Equity (ROE) | 1.7324% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.3226% | 5,281 |
| Net charge-offs to loans | 0.2465% | 3,468 |
| Credit loss provision to net charge-offs | 468.7500% | 894 |
| Earnings coverage of net charge-offs (x) | 10.1563% | 1,771 |
| Efficiency ratio | 65.8254% | 5,158 |
| Assets per employee ($millions) | 3.8303% | 4,254 |
| Cash dividends to net income (ytd only)* | 23.6559% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,491 |
| Loan loss allowance to noncurrent loans | 154.3641% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 6,477 |
| Noncurrent loans to loans | 0.7785% | 5,770 |
| Net loans and leases to total assets | 47.4521% | 6,721 |
| Net loans and leases to deposits | 59.6668% | 6,499 |
| Net loans and leases to core deposits | 60.1009% | 6,738 |
| Total domestic deposits to total assets | 79.5286% | 5,937 |
| Equity capital to assets | 20.0201% | 288 |
| Core capital (leverage) ratio | 19.4682% | 284 |
| Tier 1 risk-based capital ratio | 37.8170% | 294 |
| Total risk-based capital ratio | 38.9288% | 287 |
| Memoranda: | ||
| Average total assets | $107,728,000 | 4,935 |
| Average earning assets | $97,509,000 | 4,940 |
| Average equity | $21,472,500 | 3,005 |
| Average total loans | $51,931,500 | 5,590 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 5,854 |
| Cost of funding earning assets | 1.7632% | 4,183 |
| Net interest margin | 3.3914% | 5,400 |
| Noninterest income to average assets | 0.5017% | 4,390 |
| Noninterest expense to average assets | 2.3462% | 6,613 |
| Loan and lease loss provision to assets | 0.1065% | 6,575 |
| Net operating income to assets | 0.8120% | 2,484 |
| Return on assets (ROA) | 0.8120% | 2,570 |
| Pretax return on assets | 1.1493% | 2,100 |
| Return on Equity (ROE) | 4.0606% | 4,069 |
| Retained earnings to average equity (ytd only) | 1.8831% | 3,775 |
| Net charge-offs to loans | 0.1553% | 5,709 |
| Credit loss provision to net charge-offs | 139.0244% | 3,523 |
| Earnings coverage of net charge-offs (x) | 16.3902% | 1,254 |
| Efficiency ratio | 65.1362% | 5,562 |
| Assets per employee ($millions) | 3.6070% | 4,768 |
| Cash dividends to net income (ytd only)* | 53.6249% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 6,597 |
| Loan loss allowance to noncurrent loans | 71.6738% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 5,833 |
| Noncurrent loans to loans | 1.3352% | 4,691 |
| Net loans and leases to total assets | 47.9184% | 6,821 |
| Net loans and leases to deposits | 60.4124% | 6,603 |
| Net loans and leases to core deposits | 67.4541% | 6,906 |
| Total domestic deposits to total assets | 79.3187% | 5,896 |
| Equity capital to assets | 19.8449% | 308 |
| Core capital (leverage) ratio | 19.5858% | 297 |
| Tier 1 risk-based capital ratio | 36.7444% | 311 |
| Total risk-based capital ratio | 37.6217% | 310 |
| Memoranda: | ||
| Average total assets | $107,025,800 | 4,901 |
| Average earning assets | $97,835,400 | 4,897 |
| Average equity | $21,401,000 | 3,028 |
| Average total loans | $52,805,800 | 5,551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2308% | 5,754 |
| Cost of funding earning assets | 1.8400% | 4,200 |
| Net interest margin | 3.3908% | 5,308 |
| Noninterest income to average assets | 0.4997% | 4,484 |
| Noninterest expense to average assets | 2.3748% | 6,491 |
| Loan and lease loss provision to assets | 0.1174% | 6,191 |
| Net operating income to assets | 0.8382% | 2,663 |
| Return on assets (ROA) | 0.8382% | 2,728 |
| Pretax return on assets | 1.1131% | 2,524 |
| Return on Equity (ROE) | 4.1839% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.9719% | 3,058 |
| Net charge-offs to loans | 0.1587% | 5,117 |
| Credit loss provision to net charge-offs | 149.2063% | 3,231 |
| Earnings coverage of net charge-offs (x) | 15.6345% | 1,524 |
| Efficiency ratio | 65.8697% | 5,390 |
| Assets per employee ($millions) | 3.5087% | 4,904 |
| Cash dividends to net income (ytd only)* | 5.0668% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 6,589 |
| Loan loss allowance to noncurrent loans | 75.1880% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 5,847 |
| Noncurrent loans to loans | 1.2516% | 4,854 |
| Net loans and leases to total assets | 50.0010% | 6,780 |
| Net loans and leases to deposits | 63.3246% | 6,554 |
| Net loans and leases to core deposits | 71.5358% | 6,872 |
| Total domestic deposits to total assets | 78.9597% | 5,822 |
| Equity capital to assets | 20.6033% | 299 |
| Core capital (leverage) ratio | 19.9290% | 315 |
| Tier 1 risk-based capital ratio | 37.9496% | 313 |
| Total risk-based capital ratio | 38.8439% | 309 |
| Memoranda: | ||
| Average total assets | $106,730,000 | 4,940 |
| Average earning assets | $97,752,750 | 4,929 |
| Average equity | $21,382,750 | 3,045 |
| Average total loans | $52,919,000 | 5,602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 5,947 |
| Cost of funding earning assets | 1.8804% | 4,372 |
| Net interest margin | 3.3522% | 5,354 |
| Noninterest income to average assets | 0.4645% | 4,748 |
| Noninterest expense to average assets | 2.4697% | 6,225 |
| Loan and lease loss provision to assets | 0.0746% | 6,444 |
| Net operating income to assets | 0.6920% | 3,291 |
| Return on assets (ROA) | 0.6920% | 3,403 |
| Pretax return on assets | 0.9961% | 3,028 |
| Return on Equity (ROE) | 3.4866% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.3363% | 3,471 |
| Net charge-offs to loans | 0.1211% | 4,952 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 17.9375% | 1,442 |
| Efficiency ratio | 69.7576% | 4,835 |
| Assets per employee ($millions) | 3.5603% | 4,661 |
| Cash dividends to net income (ytd only)* | 4.3127% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 6,807 |
| Loan loss allowance to noncurrent loans | 49.4813% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 5,153 |
| Noncurrent loans to loans | 1.8035% | 3,797 |
| Net loans and leases to total assets | 49.5983% | 6,912 |
| Net loans and leases to deposits | 62.3250% | 6,709 |
| Net loans and leases to core deposits | 70.5524% | 6,991 |
| Total domestic deposits to total assets | 79.5802% | 5,605 |
| Equity capital to assets | 19.9667% | 386 |
| Core capital (leverage) ratio | 19.4674% | 390 |
| Tier 1 risk-based capital ratio | 36.7118% | 378 |
| Total risk-based capital ratio | 37.5482% | 383 |
| Memoranda: | ||
| Average total assets | $107,220,000 | 4,960 |
| Average earning assets | $98,382,670 | 4,944 |
| Average equity | $21,281,330 | 3,064 |
| Average total loans | $52,848,330 | 5,641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 5,857 |
| Cost of funding earning assets | 1.9141% | 4,561 |
| Net interest margin | 3.3952% | 5,157 |
| Noninterest income to average assets | 0.4282% | 4,974 |
| Noninterest expense to average assets | 2.3868% | 6,241 |
| Loan and lease loss provision to assets | 0.0745% | 6,025 |
| Net operating income to assets | 0.8117% | 3,081 |
| Return on assets (ROA) | 0.8117% | 3,240 |
| Pretax return on assets | 1.0910% | 3,022 |
| Return on Equity (ROE) | 4.1018% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.8007% | 3,776 |
| Net charge-offs to loans | 0.0609% | 4,608 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 39.1250% | 868 |
| Efficiency ratio | 67.1908% | 5,105 |
| Assets per employee ($millions) | 3.5623% | 4,664 |
| Cash dividends to net income (ytd only)* | 7.3394% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 6,735 |
| Loan loss allowance to noncurrent loans | 43.5294% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 4,572 |
| Noncurrent loans to loans | 2.0734% | 3,161 |
| Net loans and leases to total assets | 49.4189% | 6,907 |
| Net loans and leases to deposits | 62.1059% | 6,731 |
| Net loans and leases to core deposits | 70.0875% | 7,013 |
| Total domestic deposits to total assets | 79.5720% | 5,517 |
| Equity capital to assets | 19.9208% | 424 |
| Core capital (leverage) ratio | 19.3050% | 428 |
| Tier 1 risk-based capital ratio | 36.1519% | 400 |
| Total risk-based capital ratio | 36.9886% | 404 |
| Memoranda: | ||
| Average total assets | $107,426,000 | 4,970 |
| Average earning assets | $98,845,000 | 4,949 |
| Average equity | $21,259,000 | 3,085 |
| Average total loans | $52,546,500 | 5,689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9281% | 5,910 |
| Cost of funding earning assets | 2.3187% | 5,066 |
| Net interest margin | 3.6094% | 4,840 |
| Noninterest income to average assets | 0.3823% | 5,620 |
| Noninterest expense to average assets | 2.4039% | 6,375 |
| Loan and lease loss provision to assets | 0.0565% | 6,705 |
| Net operating income to assets | 0.9811% | 2,629 |
| Return on assets (ROA) | 0.9811% | 2,514 |
| Pretax return on assets | 1.2711% | 2,405 |
| Return on Equity (ROE) | 4.9877% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.1827% | 3,860 |
| Net charge-offs to loans | 0.1044% | 5,264 |
| Credit loss provision to net charge-offs | 113.2075% | 4,766 |
| Earnings coverage of net charge-offs (x) | 26.6038% | 1,277 |
| Efficiency ratio | 64.4209% | 5,470 |
| Assets per employee ($millions) | 3.5995% | 4,413 |
| Cash dividends to net income (ytd only)* | 56.2380% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,650 |
| Loan loss allowance to noncurrent loans | 106.8337% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 5,924 |
| Noncurrent loans to loans | 0.8475% | 4,929 |
| Net loans and leases to total assets | 47.5348% | 7,220 |
| Net loans and leases to deposits | 59.9104% | 7,096 |
| Net loans and leases to core deposits | 67.4490% | 7,311 |
| Total domestic deposits to total assets | 79.3432% | 5,254 |
| Equity capital to assets | 19.6594% | 486 |
| Core capital (leverage) ratio | 19.0823% | 507 |
| Tier 1 risk-based capital ratio | 35.9506% | 421 |
| Total risk-based capital ratio | 36.7698% | 423 |
| Memoranda: | ||
| Average total assets | $106,204,400 | 4,870 |
| Average earning assets | $98,547,400 | 4,847 |
| Average equity | $20,891,200 | 3,107 |
| Average total loans | $50,748,400 | 5,672 |