Home > State Bank & Trust of Kenmare > Performance and Condition Ratios
State Bank & Trust of Kenmare, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,800 |
| Cost of funding earning assets | 1.6017% | 1,689 |
| Net interest margin | 2.5015% | 4,087 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.1617% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3483% | 3,959 |
| Return on assets (ROA) | 0.1713% | 4,211 |
| Pretax return on assets | 0.1713% | 4,220 |
| Return on Equity (ROE) | 3.2000% | 3,991 |
| Retained earnings to average equity (ytd only) | 3.2010% | 3,214 |
| Net charge-offs to loans | -0.0339% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.2357% | 651 |
| Assets per employee ($millions) | 8.0113% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,308 |
| 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 | 47.8400% | 3,735 |
| Net loans and leases to deposits | 52.5701% | 3,853 |
| Net loans and leases to core deposits | 63.0160% | 3,636 |
| Total domestic deposits to total assets | 91.0000% | 504 |
| Equity capital to assets | 5.9186% | 4,250 |
| Core capital (leverage) ratio | 9.9956% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5298% | 1,389 |
| Memoranda: | ||
| Average total assets | $158,212,400 | 3,291 |
| Average earning assets | $152,029,200 | 3,234 |
| Average equity | $8,466,000 | 3,883 |
| Average total loans | $73,822,400 | 3,495 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 3,715 |
| Cost of funding earning assets | 1.4687% | 1,689 |
| Net interest margin | 2.5974% | 4,033 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.0332% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5664% | 3,630 |
| Return on assets (ROA) | 0.3923% | 3,976 |
| Pretax return on assets | 0.3923% | 4,075 |
| Return on Equity (ROE) | 7.5300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.5337% | 2,134 |
| Net charge-offs to loans | -0.0403% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.3902% | 1,143 |
| Assets per employee ($millions) | 7.6380% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,554 |
| Loan loss allowance to noncurrent loans | 3,061.1111% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,582 |
| Noncurrent loans to loans | 0.0450% | 3,437 |
| Net loans and leases to total assets | 51.7000% | 3,517 |
| Net loans and leases to deposits | 56.6880% | 3,675 |
| Net loans and leases to core deposits | 68.0170% | 3,323 |
| Total domestic deposits to total assets | 91.2100% | 624 |
| Equity capital to assets | 4.5641% | 4,325 |
| Core capital (leverage) ratio | 10.0029% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1151% | 1,076 |
| Memoranda: | ||
| Average total assets | $157,709,250 | 3,307 |
| Average earning assets | $151,786,250 | 3,247 |
| Average equity | $8,211,750 | 3,912 |
| Average total loans | $72,838,750 | 3,517 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,696 |
| Cost of funding earning assets | 1.3203% | 1,656 |
| Net interest margin | 2.6771% | 4,005 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.0193% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6363% | 3,493 |
| Return on assets (ROA) | 0.6514% | 3,459 |
| Pretax return on assets | 0.6514% | 3,701 |
| Return on Equity (ROE) | 12.0300% | 2,151 |
| Retained earnings to average equity (ytd only) | 12.0348% | 983 |
| Net charge-offs to loans | -0.0170% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.2911% | 1,316 |
| Assets per employee ($millions) | 6.8342% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,179 |
| Loan loss allowance to noncurrent loans | 1,974.5455% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 1,386 |
| Noncurrent loans to loans | 0.0760% | 3,141 |
| Net loans and leases to total assets | 45.3600% | 3,829 |
| Net loans and leases to deposits | 49.5459% | 3,938 |
| Net loans and leases to core deposits | 58.9184% | 3,683 |
| Total domestic deposits to total assets | 91.5600% | 496 |
| Equity capital to assets | 5.3713% | 4,314 |
| Core capital (leverage) ratio | 9.4443% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2015% | 929 |
| Memoranda: | ||
| Average total assets | $159,359,333 | 3,303 |
| Average earning assets | $153,600,000 | 3,239 |
| Average equity | $8,625,000 | 3,886 |
| Average total loans | $70,424,333 | 3,557 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 3,634 |
| Cost of funding earning assets | 1.1822% | 1,500 |
| Net interest margin | 2.7377% | 4,026 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.9446% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7629% | 3,315 |
| Return on assets (ROA) | 0.7753% | 3,231 |
| Pretax return on assets | 0.7753% | 3,522 |
| Return on Equity (ROE) | 14.2700% | 1,719 |
| Retained earnings to average equity (ytd only) | 14.2726% | 903 |
| Net charge-offs to loans | -0.0115% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.0737% | 1,742 |
| Assets per employee ($millions) | 7.5259% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,206 |
| Loan loss allowance to noncurrent loans | 138.7179% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 1,080 |
| Noncurrent loans to loans | 1.0936% | 649 |
| Net loans and leases to total assets | 42.4300% | 3,934 |
| Net loans and leases to deposits | 45.9860% | 4,039 |
| Net loans and leases to core deposits | 54.1475% | 3,825 |
| Total domestic deposits to total assets | 92.2600% | 457 |
| Equity capital to assets | 5.7595% | 4,271 |
| Core capital (leverage) ratio | 9.0804% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6217% | 1,052 |
| Memoranda: | ||
| Average total assets | $160,445,500 | 3,334 |
| Average earning assets | $154,292,500 | 3,275 |
| Average equity | $8,716,000 | 3,924 |
| Average total loans | $69,440,500 | 3,617 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2451% | 3,731 |
| Cost of funding earning assets | 0.6088% | 864 |
| Net interest margin | 2.6363% | 4,133 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.1735% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5322% | 4,031 |
| Return on assets (ROA) | 0.5296% | 3,993 |
| Pretax return on assets | 0.5296% | 4,131 |
| Return on Equity (ROE) | 8.7300% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.7314% | 1,558 |
| Net charge-offs to loans | -0.1981% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.5562% | 817 |
| Assets per employee ($millions) | 7.0600% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 979 |
| Loan loss allowance to noncurrent loans | 148.9655% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 1,089 |
| Noncurrent loans to loans | 1.0732% | 672 |
| Net loans and leases to total assets | 42.8000% | 3,941 |
| Net loans and leases to deposits | 46.0633% | 4,053 |
| Net loans and leases to core deposits | 53.8417% | 3,813 |
| Total domestic deposits to total assets | 92.9100% | 428 |
| Equity capital to assets | 5.0837% | 4,351 |
| Core capital (leverage) ratio | 9.8032% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1245% | 962 |
| Memoranda: | ||
| Average total assets | $156,154,800 | 3,381 |
| Average earning assets | $149,639,000 | 3,332 |
| Average equity | $9,471,600 | 3,937 |
| Average total loans | $65,126,000 | 3,657 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1345% | 3,593 |
| Cost of funding earning assets | 0.5509% | 576 |
| Net interest margin | 2.5836% | 4,123 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.9953% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6949% | 3,581 |
| Return on assets (ROA) | 0.6890% | 3,555 |
| Pretax return on assets | 0.6890% | 3,822 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 10.9199% | 1,076 |
| Net charge-offs to loans | -0.2562% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.3930% | 1,463 |
| Assets per employee ($millions) | 6.9430% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,135 |
| Loan loss allowance to noncurrent loans | 146.6576% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 1,131 |
| Noncurrent loans to loans | 1.0676% | 707 |
| Net loans and leases to total assets | 44.2500% | 3,862 |
| Net loans and leases to deposits | 46.8099% | 3,998 |
| Net loans and leases to core deposits | 53.8783% | 3,754 |
| Total domestic deposits to total assets | 94.5200% | 288 |
| Equity capital to assets | 3.4102% | 4,552 |
| Core capital (leverage) ratio | 9.3040% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5713% | 1,074 |
| Memoranda: | ||
| Average total assets | $156,363,250 | 3,403 |
| Average earning assets | $149,811,250 | 3,350 |
| Average equity | $9,865,500 | 3,933 |
| Average total loans | $64,519,000 | 3,682 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7673% | 4,034 |
| Cost of funding earning assets | 0.4829% | 579 |
| Net interest margin | 2.2844% | 4,347 |
| Noninterest income to average assets | 0.2374% | 3,755 |
| Noninterest expense to average assets | 1.8646% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5585% | 3,741 |
| Return on assets (ROA) | 0.5471% | 3,724 |
| Pretax return on assets | 0.5471% | 3,927 |
| Return on Equity (ROE) | 7.5497% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.5497% | 1,792 |
| Net charge-offs to loans | -0.0950% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0131% | 1,388 |
| Assets per employee ($millions) | 6.9557% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,351 |
| Loan loss allowance to noncurrent loans | 131.1497% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 1,211 |
| Noncurrent loans to loans | 1.1596% | 693 |
| Net loans and leases to total assets | 39.7072% | 4,084 |
| Net loans and leases to deposits | 42.8712% | 4,163 |
| Net loans and leases to core deposits | 48.3738% | 4,011 |
| Total domestic deposits to total assets | 92.6197% | 608 |
| Equity capital to assets | 5.1375% | 4,449 |
| Core capital (leverage) ratio | 8.6737% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6073% | 908 |
| Memoranda: | ||
| Average total assets | $157,568,667 | 3,430 |
| Average earning assets | $150,760,667 | 3,391 |
| Average equity | $11,417,667 | 3,843 |
| Average total loans | $63,138,333 | 3,739 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7870% | 3,769 |
| Cost of funding earning assets | 0.4828% | 544 |
| Net interest margin | 2.3042% | 4,230 |
| Noninterest income to average assets | 0.4195% | 2,560 |
| Noninterest expense to average assets | 1.8163% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8007% | 2,654 |
| Return on assets (ROA) | 0.7879% | 2,702 |
| Pretax return on assets | 0.7879% | 3,145 |
| Return on Equity (ROE) | 9.4645% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.4645% | 1,152 |
| Net charge-offs to loans | -0.1601% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5464% | 2,560 |
| Assets per employee ($millions) | 7.1710% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 1,312 |
| Loan loss allowance to noncurrent loans | 130.3071% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 400 |
| Noncurrent loans to loans | 1.2172% | 725 |
| Net loans and leases to total assets | 36.7161% | 4,167 |
| Net loans and leases to deposits | 40.2367% | 4,238 |
| Net loans and leases to core deposits | 45.1904% | 4,111 |
| Total domestic deposits to total assets | 91.2504% | 911 |
| Equity capital to assets | 6.5366% | 4,415 |
| Core capital (leverage) ratio | 8.6940% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4161% | 977 |
| Memoranda: | ||
| Average total assets | $156,362,500 | 3,460 |
| Average earning assets | $149,118,500 | 3,413 |
| Average equity | $13,017,000 | 3,752 |
| Average total loans | $62,455,000 | 3,752 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9758% | 3,913 |
| Cost of funding earning assets | 0.6191% | 501 |
| Net interest margin | 2.3567% | 4,360 |
| Noninterest income to average assets | 0.3230% | 3,473 |
| Noninterest expense to average assets | 2.1079% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4582% | 4,172 |
| Return on assets (ROA) | 0.4718% | 4,182 |
| Pretax return on assets | 0.4718% | 4,291 |
| Return on Equity (ROE) | 4.4631% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.2682% | 3,514 |
| Net charge-offs to loans | -0.1199% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1490% | 794 |
| Assets per employee ($millions) | 6.1580% | 2,603 |
| Cash dividends to net income (ytd only)* | 26.7728% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,554 |
| Loan loss allowance to noncurrent loans | 125.7937% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2754% | 373 |
| Noncurrent loans to loans | 1.1929% | 804 |
| Net loans and leases to total assets | 42.2391% | 3,967 |
| Net loans and leases to deposits | 48.4392% | 3,969 |
| Net loans and leases to core deposits | 55.0445% | 3,687 |
| Total domestic deposits to total assets | 87.2003% | 2,436 |
| Equity capital to assets | 10.3206% | 2,347 |
| Core capital (leverage) ratio | 9.8261% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7408% | 934 |
| Memoranda: | ||
| Average total assets | $146,452,000 | 3,517 |
| Average earning assets | $139,391,600 | 3,480 |
| Average equity | $15,482,400 | 3,588 |
| Average total loans | $67,541,000 | 3,700 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0097% | 3,983 |
| Cost of funding earning assets | 0.6603% | 472 |
| Net interest margin | 2.3494% | 4,448 |
| Noninterest income to average assets | 0.3750% | 3,232 |
| Noninterest expense to average assets | 1.8907% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7181% | 3,725 |
| Return on assets (ROA) | 0.7300% | 3,757 |
| Pretax return on assets | 0.7300% | 4,013 |
| Return on Equity (ROE) | 6.8639% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.6199% | 2,992 |
| Net charge-offs to loans | -0.0855% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5142% | 1,549 |
| Assets per employee ($millions) | 6.0330% | 2,663 |
| Cash dividends to net income (ytd only)* | 18.1250% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,141 |
| Loan loss allowance to noncurrent loans | 119.7903% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 431 |
| Noncurrent loans to loans | 1.1445% | 985 |
| Net loans and leases to total assets | 45.4130% | 3,834 |
| Net loans and leases to deposits | 52.4567% | 3,847 |
| Net loans and leases to core deposits | 55.8278% | 3,787 |
| Total domestic deposits to total assets | 86.5724% | 2,523 |
| Equity capital to assets | 10.8536% | 2,120 |
| Core capital (leverage) ratio | 9.8049% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,117,000 | 3,559 |
| Average earning assets | $138,924,750 | 3,518 |
| Average equity | $15,539,750 | 3,626 |
| Average total loans | $68,582,000 | 3,728 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9559% | 4,129 |
| Cost of funding earning assets | 0.6970% | 474 |
| Net interest margin | 2.2589% | 4,555 |
| Noninterest income to average assets | 0.4913% | 2,657 |
| Noninterest expense to average assets | 1.8641% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7765% | 3,578 |
| Return on assets (ROA) | 0.7915% | 3,605 |
| Pretax return on assets | 0.7915% | 3,882 |
| Return on Equity (ROE) | 7.4929% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.1364% | 2,748 |
| Net charge-offs to loans | -0.0953% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6822% | 1,799 |
| Assets per employee ($millions) | 6.1823% | 2,444 |
| Cash dividends to net income (ytd only)* | 18.1034% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,370 |
| Loan loss allowance to noncurrent loans | 117.4252% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 388 |
| Noncurrent loans to loans | 1.1192% | 1,076 |
| Net loans and leases to total assets | 45.7014% | 3,923 |
| Net loans and leases to deposits | 52.8120% | 3,944 |
| Net loans and leases to core deposits | 56.2394% | 3,875 |
| Total domestic deposits to total assets | 86.5361% | 2,535 |
| Equity capital to assets | 10.4884% | 2,403 |
| Core capital (leverage) ratio | 9.4895% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0394% | 1,106 |
| Memoranda: | ||
| Average total assets | $146,559,000 | 3,555 |
| Average earning assets | $139,451,000 | 3,519 |
| Average equity | $15,481,333 | 3,632 |
| Average total loans | $69,220,000 | 3,740 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 4,052 |
| Cost of funding earning assets | 0.5951% | 886 |
| Net interest margin | 2.4182% | 4,395 |
| Noninterest income to average assets | 0.5520% | 2,398 |
| Noninterest expense to average assets | 1.8757% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9749% | 2,886 |
| Return on assets (ROA) | 1.0051% | 2,882 |
| Pretax return on assets | 1.0051% | 3,355 |
| Return on Equity (ROE) | 9.4813% | 2,862 |
| Retained earnings to average equity (ytd only) | 9.4813% | 1,805 |
| Net charge-offs to loans | -0.1497% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9692% | 2,469 |
| Assets per employee ($millions) | 6.6658% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,331 |
| Loan loss allowance to noncurrent loans | 89.5105% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 400 |
| Noncurrent loans to loans | 1.4779% | 848 |
| Net loans and leases to total assets | 45.5751% | 3,992 |
| Net loans and leases to deposits | 52.2352% | 4,033 |
| Net loans and leases to core deposits | 55.9729% | 3,976 |
| Total domestic deposits to total assets | 87.2497% | 2,200 |
| Equity capital to assets | 10.3145% | 2,426 |
| Core capital (leverage) ratio | 9.3246% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0566% | 1,063 |
| Memoranda: | ||
| Average total assets | $145,651,500 | 3,571 |
| Average earning assets | $138,452,500 | 3,530 |
| Average equity | $15,441,000 | 3,646 |
| Average total loans | $69,474,000 | 3,751 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 3,946 |
| Cost of funding earning assets | 0.8544% | 1,004 |
| Net interest margin | 2.6830% | 4,401 |
| Noninterest income to average assets | 0.2294% | 4,127 |
| Noninterest expense to average assets | 2.1499% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6122% | 3,708 |
| Return on assets (ROA) | 0.6312% | 3,776 |
| Pretax return on assets | 0.6312% | 4,017 |
| Return on Equity (ROE) | 5.7931% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.0699% | 2,781 |
| Net charge-offs to loans | -0.3391% | 4,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8529% | 1,250 |
| Assets per employee ($millions) | 6.8883% | 1,654 |
| Cash dividends to net income (ytd only)* | 29.7454% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,836 |
| Loan loss allowance to noncurrent loans | 85.1272% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.5741% | 448 |
| Noncurrent loans to loans | 1.4351% | 938 |
| Net loans and leases to total assets | 48.6309% | 3,930 |
| Net loans and leases to deposits | 56.1644% | 3,984 |
| Net loans and leases to core deposits | 60.3371% | 3,923 |
| Total domestic deposits to total assets | 86.5867% | 2,116 |
| Equity capital to assets | 10.8921% | 2,348 |
| Core capital (leverage) ratio | 9.4082% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9906% | 1,265 |
| Memoranda: | ||
| Average total assets | $136,890,000 | 3,548 |
| Average earning assets | $129,220,200 | 3,516 |
| Average equity | $14,914,200 | 3,662 |
| Average total loans | $74,603,200 | 3,651 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 3,902 |
| Cost of funding earning assets | 0.9155% | 1,017 |
| Net interest margin | 2.7422% | 4,410 |
| Noninterest income to average assets | 0.1917% | 4,328 |
| Noninterest expense to average assets | 1.9701% | 4,212 |
| Loan and lease loss provision to assets | 0.0496% | 3,733 |
| Net operating income to assets | 0.7558% | 3,266 |
| Return on assets (ROA) | 0.7785% | 3,287 |
| Pretax return on assets | 0.7785% | 3,705 |
| Return on Equity (ROE) | 7.1454% | 3,143 |
| Retained earnings to average equity (ytd only) | 5.3409% | 2,408 |
| Net charge-offs to loans | 0.0088% | 2,791 |
| Credit loss provision to net charge-offs | 1,000.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 569 |
| Efficiency ratio | 68.9925% | 2,040 |
| Assets per employee ($millions) | 6.6010% | 1,755 |
| Cash dividends to net income (ytd only)* | 25.2538% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 4,137 |
| Loan loss allowance to noncurrent loans | 14.5463% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 4.1928% | 77 |
| Noncurrent loans to loans | 6.0327% | 72 |
| Net loans and leases to total assets | 53.9439% | 3,807 |
| Net loans and leases to deposits | 62.6598% | 3,891 |
| Net loans and leases to core deposits | 67.6880% | 3,774 |
| Total domestic deposits to total assets | 86.0900% | 2,025 |
| Equity capital to assets | 11.2502% | 2,192 |
| Core capital (leverage) ratio | 9.9326% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2604% | 1,432 |
| Memoranda: | ||
| Average total assets | $134,948,750 | 3,564 |
| Average earning assets | $127,145,500 | 3,525 |
| Average equity | $14,703,750 | 3,685 |
| Average total loans | $75,449,750 | 3,653 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 4,063 |
| Cost of funding earning assets | 0.9903% | 1,016 |
| Net interest margin | 2.7201% | 4,536 |
| Noninterest income to average assets | 0.2483% | 3,983 |
| Noninterest expense to average assets | 2.0101% | 4,217 |
| Loan and lease loss provision to assets | 0.0748% | 3,360 |
| Net operating income to assets | 0.7269% | 3,293 |
| Return on assets (ROA) | 0.7598% | 3,297 |
| Pretax return on assets | 0.7598% | 3,705 |
| Return on Equity (ROE) | 7.0523% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.0949% | 2,429 |
| Net charge-offs to loans | -0.0583% | 4,722 |
| Credit loss provision to net charge-offs | -227.2727% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5213% | 2,014 |
| Assets per employee ($millions) | 6.5615% | 1,732 |
| Cash dividends to net income (ytd only)* | 27.7559% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,017 |
| Loan loss allowance to noncurrent loans | 83.5152% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.5211% | 612 |
| Noncurrent loans to loans | 1.0729% | 1,446 |
| Net loans and leases to total assets | 55.3070% | 3,749 |
| Net loans and leases to deposits | 64.1546% | 3,869 |
| Net loans and leases to core deposits | 69.3065% | 3,753 |
| Total domestic deposits to total assets | 86.2088% | 1,926 |
| Equity capital to assets | 11.0994% | 2,252 |
| Core capital (leverage) ratio | 9.7361% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2815% | 1,418 |
| Memoranda: | ||
| Average total assets | $133,725,000 | 3,555 |
| Average earning assets | $126,025,333 | 3,520 |
| Average equity | $14,406,667 | 3,716 |
| Average total loans | $75,453,333 | 3,658 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,905 |
| Cost of funding earning assets | 0.8608% | 2,055 |
| Net interest margin | 3.0970% | 4,102 |
| Noninterest income to average assets | 0.1033% | 4,809 |
| Noninterest expense to average assets | 2.0654% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9446% | 2,361 |
| Return on assets (ROA) | 0.9446% | 2,466 |
| Pretax return on assets | 0.9446% | 3,016 |
| Return on Equity (ROE) | 8.9093% | 2,148 |
| Retained earnings to average equity (ytd only) | 8.9093% | 997 |
| Net charge-offs to loans | -0.0910% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7003% | 2,863 |
| Assets per employee ($millions) | 6.3911% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 4,259 |
| Loan loss allowance to noncurrent loans | 918.8406% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 1,320 |
| Noncurrent loans to loans | 0.0932% | 4,134 |
| Net loans and leases to total assets | 54.6713% | 3,934 |
| Net loans and leases to deposits | 62.9059% | 4,048 |
| Net loans and leases to core deposits | 68.0157% | 3,988 |
| Total domestic deposits to total assets | 86.9096% | 1,597 |
| Equity capital to assets | 10.2270% | 3,574 |
| Core capital (leverage) ratio | 9.7505% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2686% | 1,535 |
| Memoranda: | ||
| Average total assets | $131,692,000 | 3,568 |
| Average earning assets | $123,602,000 | 3,528 |
| Average equity | $13,963,000 | 3,773 |
| Average total loans | $74,731,500 | 3,670 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 4,316 |
| Cost of funding earning assets | 0.8100% | 2,632 |
| Net interest margin | 3.1626% | 4,263 |
| Noninterest income to average assets | 0.1329% | 4,808 |
| Noninterest expense to average assets | 2.1610% | 4,241 |
| Loan and lease loss provision to assets | 0.0807% | 2,383 |
| Net operating income to assets | 0.8918% | 3,239 |
| Return on assets (ROA) | 0.9895% | 2,964 |
| Pretax return on assets | 0.9895% | 3,488 |
| Return on Equity (ROE) | 9.9672% | 2,311 |
| Retained earnings to average equity (ytd only) | 7.2166% | 1,301 |
| Net charge-offs to loans | 0.0142% | 3,195 |
| Credit loss provision to net charge-offs | 1,100.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 132.5000% | 550 |
| Efficiency ratio | 67.2054% | 2,580 |
| Assets per employee ($millions) | 6.1510% | 1,516 |
| Cash dividends to net income (ytd only)* | 27.5964% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 4,246 |
| Loan loss allowance to noncurrent loans | 894.2029% | 622 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 1,158 |
| Noncurrent loans to loans | 0.0914% | 4,161 |
| Net loans and leases to total assets | 57.9356% | 3,774 |
| Net loans and leases to deposits | 67.3676% | 3,871 |
| Net loans and leases to core deposits | 72.7828% | 3,812 |
| Total domestic deposits to total assets | 85.9992% | 2,069 |
| Equity capital to assets | 10.9932% | 3,006 |
| Core capital (leverage) ratio | 10.1837% | 3,317 |
| Tier 1 risk-based capital ratio | 15.4773% | 2,585 |
| Total risk-based capital ratio | 16.2269% | 2,727 |
| Memoranda: | ||
| Average total assets | $136,235,800 | 3,490 |
| Average earning assets | $129,260,000 | 3,436 |
| Average equity | $13,524,400 | 3,815 |
| Average total loans | $70,655,200 | 3,766 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 4,419 |
| Cost of funding earning assets | 0.8120% | 2,650 |
| Net interest margin | 3.1574% | 4,392 |
| Noninterest income to average assets | 0.1101% | 4,952 |
| Noninterest expense to average assets | 1.9990% | 4,560 |
| Loan and lease loss provision to assets | 0.1063% | 1,819 |
| Net operating income to assets | 1.0029% | 2,969 |
| Return on assets (ROA) | 1.0029% | 3,048 |
| Pretax return on assets | 1.0029% | 3,592 |
| Return on Equity (ROE) | 10.3625% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.6471% | 1,559 |
| Net charge-offs to loans | 0.0307% | 2,459 |
| Credit loss provision to net charge-offs | 687.5000% | 488 |
| Earnings coverage of net charge-offs (x) | 71.7595% | 932 |
| Efficiency ratio | 62.5738% | 3,237 |
| Assets per employee ($millions) | 6.3868% | 1,340 |
| Cash dividends to net income (ytd only)* | 26.2043% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,240 |
| Loan loss allowance to noncurrent loans | 95.7680% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 645 |
| Noncurrent loans to loans | 0.8854% | 1,810 |
| Net loans and leases to total assets | 55.9330% | 4,050 |
| Net loans and leases to deposits | 68.8610% | 3,851 |
| Net loans and leases to core deposits | 74.8776% | 3,772 |
| Total domestic deposits to total assets | 81.2260% | 3,687 |
| Equity capital to assets | 11.1121% | 2,998 |
| Core capital (leverage) ratio | 8.9915% | 4,644 |
| Tier 1 risk-based capital ratio | 15.6657% | 2,576 |
| Total risk-based capital ratio | 16.4308% | 2,698 |
| Memoranda: | ||
| Average total assets | $138,002,000 | 3,495 |
| Average earning assets | $131,031,000 | 3,444 |
| Average equity | $13,355,500 | 3,876 |
| Average total loans | $69,455,750 | 3,823 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,665 |
| Cost of funding earning assets | 0.7970% | 2,659 |
| Net interest margin | 3.0375% | 4,619 |
| Noninterest income to average assets | 0.1032% | 5,023 |
| Noninterest expense to average assets | 1.8908% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0960% | 2,536 |
| Return on assets (ROA) | 1.0960% | 2,605 |
| Pretax return on assets | 1.0960% | 3,241 |
| Return on Equity (ROE) | 11.8538% | 1,636 |
| Retained earnings to average equity (ytd only) | 9.2230% | 978 |
| Net charge-offs to loans | 0.1108% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.3947% | 1,780 |
| Efficiency ratio | 61.5530% | 3,498 |
| Assets per employee ($millions) | 7.1476% | 935 |
| Cash dividends to net income (ytd only)* | 22.1935% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 4,735 |
| Loan loss allowance to noncurrent loans | 392.6230% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 1,264 |
| Noncurrent loans to loans | 0.1757% | 3,928 |
| Net loans and leases to total assets | 48.2480% | 4,560 |
| Net loans and leases to deposits | 55.2980% | 4,624 |
| Net loans and leases to core deposits | 59.2478% | 4,602 |
| Total domestic deposits to total assets | 87.2509% | 1,462 |
| Equity capital to assets | 9.6509% | 4,273 |
| Core capital (leverage) ratio | 8.6692% | 4,866 |
| Tier 1 risk-based capital ratio | 15.1998% | 2,754 |
| Total risk-based capital ratio | 15.7904% | 2,970 |
| Memoranda: | ||
| Average total assets | $141,424,330 | 3,477 |
| Average earning assets | $134,256,670 | 3,419 |
| Average equity | $13,076,000 | 3,924 |
| Average total loans | $68,588,670 | 3,867 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 4,694 |
| Cost of funding earning assets | 0.6169% | 3,477 |
| Net interest margin | 3.1952% | 4,395 |
| Noninterest income to average assets | 0.1052% | 5,058 |
| Noninterest expense to average assets | 1.8655% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2740% | 1,800 |
| Return on assets (ROA) | 1.2740% | 1,846 |
| Pretax return on assets | 1.2740% | 2,555 |
| Return on Equity (ROE) | 14.0925% | 948 |
| Retained earnings to average equity (ytd only) | 14.0925% | 346 |
| Net charge-offs to loans | 0.2758% | 536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.5319% | 2,019 |
| Efficiency ratio | 57.6993% | 4,118 |
| Assets per employee ($millions) | 7.1638% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 4,772 |
| Loan loss allowance to noncurrent loans | 370.0787% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 1,271 |
| Noncurrent loans to loans | 0.1902% | 3,907 |
| Net loans and leases to total assets | 46.2858% | 4,656 |
| Net loans and leases to deposits | 52.8086% | 4,718 |
| Net loans and leases to core deposits | 56.4983% | 4,691 |
| Total domestic deposits to total assets | 87.6482% | 1,498 |
| Equity capital to assets | 9.1726% | 4,557 |
| Core capital (leverage) ratio | 8.6195% | 4,934 |
| Tier 1 risk-based capital ratio | 15.1428% | 2,822 |
| Total risk-based capital ratio | 15.7285% | 3,036 |
| Memoranda: | ||
| Average total assets | $140,661,000 | 3,523 |
| Average earning assets | $133,575,000 | 3,462 |
| Average equity | $12,716,000 | 3,980 |
| Average total loans | $68,158,000 | 3,912 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5390% | 4,870 |
| Cost of funding earning assets | 0.5413% | 3,105 |
| Net interest margin | 2.9977% | 4,798 |
| Noninterest income to average assets | 0.1147% | 5,097 |
| Noninterest expense to average assets | 2.0773% | 4,611 |
| Loan and lease loss provision to assets | 0.0469% | 3,247 |
| Net operating income to assets | 0.8583% | 3,582 |
| Return on assets (ROA) | 0.8583% | 3,580 |
| Pretax return on assets | 0.8583% | 4,017 |
| Return on Equity (ROE) | 10.1026% | 2,479 |
| Retained earnings to average equity (ytd only) | 7.2161% | 1,572 |
| Net charge-offs to loans | -0.0738% | 5,078 |
| Credit loss provision to net charge-offs | -122.6415% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8356% | 2,572 |
| Assets per employee ($millions) | 6.5737% | 1,182 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 4,698 |
| Loan loss allowance to noncurrent loans | 30.1634% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 1,039 |
| Noncurrent loans to loans | 2.4651% | 497 |
| Net loans and leases to total assets | 49.9924% | 4,516 |
| Net loans and leases to deposits | 57.0087% | 4,617 |
| Net loans and leases to core deposits | 60.5770% | 4,605 |
| Total domestic deposits to total assets | 87.6926% | 1,449 |
| Equity capital to assets | 8.9028% | 4,651 |
| Core capital (leverage) ratio | 8.5491% | 5,000 |
| Tier 1 risk-based capital ratio | 14.6633% | 2,985 |
| Total risk-based capital ratio | 15.3125% | 3,193 |
| Memoranda: | ||
| Average total assets | $138,639,000 | 3,526 |
| Average earning assets | $132,637,200 | 3,458 |
| Average equity | $11,779,200 | 4,050 |
| Average total loans | $71,801,000 | 3,835 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 4,968 |
| Cost of funding earning assets | 0.5521% | 2,847 |
| Net interest margin | 2.9087% | 4,963 |
| Noninterest income to average assets | 0.1172% | 5,147 |
| Noninterest expense to average assets | 1.9185% | 4,876 |
| Loan and lease loss provision to assets | 0.0240% | 3,538 |
| Net operating income to assets | 0.9636% | 3,249 |
| Return on assets (ROA) | 0.9636% | 3,261 |
| Pretax return on assets | 0.9636% | 3,838 |
| Return on Equity (ROE) | 11.4775% | 1,990 |
| Retained earnings to average equity (ytd only) | 8.5595% | 1,390 |
| Net charge-offs to loans | -0.0774% | 5,087 |
| Credit loss provision to net charge-offs | -59.5238% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0165% | 2,871 |
| Assets per employee ($millions) | 6.3815% | 1,245 |
| Cash dividends to net income (ytd only)* | 25.4236% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6478% | 4,975 |
| Loan loss allowance to noncurrent loans | 28.7477% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2096% | 1,152 |
| Noncurrent loans to loans | 2.2534% | 617 |
| Net loans and leases to total assets | 53.3307% | 4,401 |
| Net loans and leases to deposits | 60.8801% | 4,507 |
| Net loans and leases to core deposits | 64.8663% | 4,466 |
| Total domestic deposits to total assets | 87.5995% | 1,443 |
| Equity capital to assets | 8.8933% | 4,644 |
| Core capital (leverage) ratio | 8.5515% | 5,065 |
| Tier 1 risk-based capital ratio | 14.1354% | 3,301 |
| Total risk-based capital ratio | 14.7062% | 3,562 |
| Memoranda: | ||
| Average total assets | $138,787,000 | 3,559 |
| Average earning assets | $133,068,250 | 3,491 |
| Average equity | $11,651,500 | 4,103 |
| Average total loans | $72,368,750 | 3,858 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 5,107 |
| Cost of funding earning assets | 0.5792% | 2,365 |
| Net interest margin | 2.7567% | 5,171 |
| Noninterest income to average assets | 0.1140% | 5,214 |
| Noninterest expense to average assets | 1.9020% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8634% | 3,615 |
| Return on assets (ROA) | 0.8634% | 3,613 |
| Pretax return on assets | 0.8634% | 4,074 |
| Return on Equity (ROE) | 10.4820% | 2,337 |
| Retained earnings to average equity (ytd only) | 7.5415% | 1,824 |
| Net charge-offs to loans | -0.0910% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7790% | 2,518 |
| Assets per employee ($millions) | 6.6232% | 1,121 |
| Cash dividends to net income (ytd only)* | 28.0528% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 5,106 |
| Loan loss allowance to noncurrent loans | 19.2171% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6163% | 788 |
| Noncurrent loans to loans | 3.1169% | 350 |
| Net loans and leases to total assets | 51.5433% | 4,503 |
| Net loans and leases to deposits | 58.4575% | 4,613 |
| Net loans and leases to core deposits | 62.1058% | 4,596 |
| Total domestic deposits to total assets | 88.1722% | 1,290 |
| Equity capital to assets | 8.4393% | 4,988 |
| Core capital (leverage) ratio | 8.1022% | 5,310 |
| Tier 1 risk-based capital ratio | 13.4064% | 3,668 |
| Total risk-based capital ratio | 13.9216% | 3,982 |
| Memoranda: | ||
| Average total assets | $140,379,000 | 3,566 |
| Average earning assets | $135,015,000 | 3,489 |
| Average equity | $11,562,670 | 4,142 |
| Average total loans | $72,513,330 | 3,882 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 5,222 |
| Cost of funding earning assets | 0.4094% | 3,515 |
| Net interest margin | 2.8007% | 5,157 |
| Noninterest income to average assets | 0.1220% | 5,245 |
| Noninterest expense to average assets | 1.9458% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8736% | 3,403 |
| Return on assets (ROA) | 0.8736% | 3,419 |
| Pretax return on assets | 0.8736% | 3,935 |
| Return on Equity (ROE) | 10.7364% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.7364% | 959 |
| Net charge-offs to loans | -0.1650% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0141% | 2,664 |
| Assets per employee ($millions) | 6.7492% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 5,159 |
| Loan loss allowance to noncurrent loans | 13.1434% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.3029% | 437 |
| Noncurrent loans to loans | 4.6714% | 174 |
| Net loans and leases to total assets | 48.9956% | 4,630 |
| Net loans and leases to deposits | 55.4174% | 4,723 |
| Net loans and leases to core deposits | 58.9775% | 4,702 |
| Total domestic deposits to total assets | 88.4120% | 1,403 |
| Equity capital to assets | 8.1766% | 5,190 |
| Core capital (leverage) ratio | 7.8540% | 5,430 |
| Tier 1 risk-based capital ratio | 13.2587% | 3,805 |
| Total risk-based capital ratio | 13.7714% | 4,128 |
| Memoranda: | ||
| Average total assets | $141,025,000 | 3,588 |
| Average earning assets | $135,822,500 | 3,508 |
| Average equity | $11,475,000 | 4,197 |
| Average total loans | $72,709,000 | 3,918 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 4,778 |
| Cost of funding earning assets | 0.4392% | 2,883 |
| Net interest margin | 3.0666% | 4,753 |
| Noninterest income to average assets | 0.1208% | 5,340 |
| Noninterest expense to average assets | 2.0665% | 4,849 |
| Loan and lease loss provision to assets | 0.0910% | 2,374 |
| Net operating income to assets | 0.9034% | 2,693 |
| Return on assets (ROA) | 0.9025% | 2,727 |
| Pretax return on assets | 0.9025% | 3,920 |
| Return on Equity (ROE) | 9.6632% | 2,028 |
| Retained earnings to average equity (ytd only) | 2.6660% | 3,723 |
| Net charge-offs to loans | 0.0358% | 3,079 |
| Credit loss provision to net charge-offs | 407.4074% | 748 |
| Earnings coverage of net charge-offs (x) | 44.5185% | 1,181 |
| Efficiency ratio | 67.5135% | 2,993 |
| Assets per employee ($millions) | 6.6818% | 1,113 |
| Cash dividends to net income (ytd only)* | 72.4106% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5282% | 5,359 |
| Loan loss allowance to noncurrent loans | 12.2618% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 2.3190% | 426 |
| Noncurrent loans to loans | 4.3073% | 205 |
| Net loans and leases to total assets | 53.5552% | 4,396 |
| Net loans and leases to deposits | 60.5497% | 4,533 |
| Net loans and leases to core deposits | 63.7623% | 4,545 |
| Total domestic deposits to total assets | 88.4483% | 1,272 |
| Equity capital to assets | 8.0967% | 5,353 |
| Core capital (leverage) ratio | 8.8080% | 4,850 |
| Tier 1 risk-based capital ratio | 12.5951% | 4,150 |
| Total risk-based capital ratio | 13.0556% | 4,538 |
| Memoranda: | ||
| Average total assets | $120,881,800 | 3,883 |
| Average earning assets | $115,892,800 | 3,817 |
| Average equity | $11,290,200 | 4,262 |
| Average total loans | $75,514,200 | 3,832 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5673% | 4,642 |
| Cost of funding earning assets | 0.4868% | 2,376 |
| Net interest margin | 3.0805% | 4,756 |
| Noninterest income to average assets | 0.1414% | 5,300 |
| Noninterest expense to average assets | 1.9674% | 5,022 |
| Loan and lease loss provision to assets | 0.1264% | 1,713 |
| Net operating income to assets | 0.9998% | 2,557 |
| Return on assets (ROA) | 0.9998% | 2,610 |
| Pretax return on assets | 0.9998% | 3,696 |
| Return on Equity (ROE) | 10.2903% | 1,990 |
| Retained earnings to average equity (ytd only) | 2.4720% | 4,413 |
| Net charge-offs to loans | 0.0653% | 2,185 |
| Credit loss provision to net charge-offs | 297.2973% | 998 |
| Earnings coverage of net charge-offs (x) | 26.4875% | 1,680 |
| Efficiency ratio | 63.5958% | 3,627 |
| Assets per employee ($millions) | 6.4572% | 1,212 |
| Cash dividends to net income (ytd only)* | 75.9770% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5048% | 5,461 |
| Loan loss allowance to noncurrent loans | 12.2752% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 2.7265% | 352 |
| Noncurrent loans to loans | 4.1121% | 234 |
| Net loans and leases to total assets | 65.9701% | 3,108 |
| Net loans and leases to deposits | 76.6747% | 3,305 |
| Net loans and leases to core deposits | 80.3414% | 3,425 |
| Total domestic deposits to total assets | 86.0389% | 2,295 |
| Equity capital to assets | 9.8116% | 4,133 |
| Core capital (leverage) ratio | 9.8041% | 3,816 |
| Tier 1 risk-based capital ratio | 13.8509% | 3,510 |
| Total risk-based capital ratio | 14.3232% | 3,866 |
| Memoranda: | ||
| Average total assets | $116,023,000 | 4,002 |
| Average earning assets | $111,192,000 | 3,931 |
| Average equity | $11,272,500 | 4,302 |
| Average total loans | $75,506,250 | 3,867 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5228% | 4,707 |
| Cost of funding earning assets | 0.5407% | 1,836 |
| Net interest margin | 2.9821% | 4,950 |
| Noninterest income to average assets | 0.1069% | 5,493 |
| Noninterest expense to average assets | 1.8973% | 5,188 |
| Loan and lease loss provision to assets | 0.1897% | 987 |
| Net operating income to assets | 0.8831% | 3,001 |
| Return on assets (ROA) | 0.8831% | 3,061 |
| Pretax return on assets | 0.8831% | 3,984 |
| Return on Equity (ROE) | 9.1195% | 2,456 |
| Retained earnings to average equity (ytd only) | -0.3562% | 5,136 |
| Net charge-offs to loans | 0.1387% | 1,323 |
| Credit loss provision to net charge-offs | 211.5385% | 1,221 |
| Earnings coverage of net charge-offs (x) | 11.9615% | 2,231 |
| Efficiency ratio | 63.8792% | 3,690 |
| Assets per employee ($millions) | 7.3425% | 799 |
| Cash dividends to net income (ytd only)* | 103.9063% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 5,523 |
| Loan loss allowance to noncurrent loans | 17.6415% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.8173% | 759 |
| Noncurrent loans to loans | 2.8142% | 490 |
| Net loans and leases to total assets | 63.8058% | 3,413 |
| Net loans and leases to deposits | 73.8767% | 3,558 |
| Net loans and leases to core deposits | 77.3531% | 3,649 |
| Total domestic deposits to total assets | 86.3679% | 2,211 |
| Equity capital to assets | 9.4969% | 4,404 |
| Core capital (leverage) ratio | 9.4022% | 4,229 |
| Tier 1 risk-based capital ratio | 13.7886% | 3,540 |
| Total risk-based capital ratio | 14.2499% | 3,915 |
| Memoranda: | ||
| Average total assets | $115,954,000 | 4,025 |
| Average earning assets | $111,332,000 | 3,956 |
| Average equity | $11,228,670 | 4,321 |
| Average total loans | $74,986,330 | 3,899 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6173% | 4,373 |
| Cost of funding earning assets | 0.3581% | 3,442 |
| Net interest margin | 3.2592% | 4,138 |
| Noninterest income to average assets | 0.0868% | 5,623 |
| Noninterest expense to average assets | 1.8717% | 5,274 |
| Loan and lease loss provision to assets | 0.1215% | 1,573 |
| Net operating income to assets | 1.2223% | 1,456 |
| Return on assets (ROA) | 1.2223% | 1,493 |
| Pretax return on assets | 1.2223% | 2,502 |
| Return on Equity (ROE) | 12.4994% | 1,112 |
| Retained earnings to average equity (ytd only) | 12.4994% | 422 |
| Net charge-offs to loans | -0.0321% | 4,964 |
| Credit loss provision to net charge-offs | -583.3333% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2073% | 4,691 |
| Assets per employee ($millions) | 7.4471% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4842% | 5,609 |
| Loan loss allowance to noncurrent loans | 17.6036% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 1.7146% | 862 |
| Noncurrent loans to loans | 2.7505% | 533 |
| Net loans and leases to total assets | 61.5800% | 3,591 |
| Net loans and leases to deposits | 71.0557% | 3,690 |
| Net loans and leases to core deposits | 74.6713% | 3,771 |
| Total domestic deposits to total assets | 86.6643% | 2,366 |
| Equity capital to assets | 9.6388% | 4,142 |
| Core capital (leverage) ratio | 9.9127% | 3,611 |
| Tier 1 risk-based capital ratio | 14.2855% | 3,325 |
| Total risk-based capital ratio | 14.7272% | 3,704 |
| Memoranda: | ||
| Average total assets | $115,191,000 | 4,078 |
| Average earning assets | $110,579,000 | 4,005 |
| Average equity | $11,264,500 | 4,342 |
| Average total loans | $74,813,000 | 3,928 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6560% | 4,354 |
| Cost of funding earning assets | 0.4290% | 2,713 |
| Net interest margin | 3.2269% | 4,361 |
| Noninterest income to average assets | 0.1533% | 5,444 |
| Noninterest expense to average assets | 1.9989% | 5,190 |
| Loan and lease loss provision to assets | 0.0881% | 2,599 |
| Net operating income to assets | 1.1673% | 1,619 |
| Return on assets (ROA) | 1.1911% | 1,628 |
| Pretax return on assets | 1.1911% | 2,711 |
| Return on Equity (ROE) | 11.8945% | 1,272 |
| Retained earnings to average equity (ytd only) | -0.5191% | 5,383 |
| Net charge-offs to loans | -0.0039% | 4,770 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4239% | 4,352 |
| Assets per employee ($millions) | 6.9518% | 943 |
| Cash dividends to net income (ytd only)* | 104.3639% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4164% | 5,721 |
| Loan loss allowance to noncurrent loans | 29.0708% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 1,914 |
| Noncurrent loans to loans | 1.4323% | 1,420 |
| Net loans and leases to total assets | 67.9487% | 2,775 |
| Net loans and leases to deposits | 78.9211% | 2,999 |
| Net loans and leases to core deposits | 83.0747% | 3,122 |
| Total domestic deposits to total assets | 86.0970% | 2,535 |
| Equity capital to assets | 9.9292% | 3,791 |
| Core capital (leverage) ratio | 10.0608% | 3,415 |
| Tier 1 risk-based capital ratio | 14.0634% | 3,431 |
| Total risk-based capital ratio | 14.4603% | 3,866 |
| Memoranda: | ||
| Average total assets | $113,512,600 | 4,102 |
| Average earning assets | $109,081,600 | 4,020 |
| Average equity | $11,366,600 | 4,361 |
| Average total loans | $77,247,400 | 3,871 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 4,399 |
| Cost of funding earning assets | 0.4654% | 2,417 |
| Net interest margin | 3.1864% | 4,519 |
| Noninterest income to average assets | 0.1589% | 5,478 |
| Noninterest expense to average assets | 1.8606% | 5,445 |
| Loan and lease loss provision to assets | 0.1169% | 1,974 |
| Net operating income to assets | 1.2458% | 1,469 |
| Return on assets (ROA) | 1.2458% | 1,574 |
| Pretax return on assets | 1.2458% | 2,632 |
| Return on Equity (ROE) | 12.4161% | 1,193 |
| Retained earnings to average equity (ytd only) | 0.0932% | 5,312 |
| Net charge-offs to loans | -0.0189% | 4,985 |
| Credit loss provision to net charge-offs | -909.0909% | 5,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7230% | 4,854 |
| Assets per employee ($millions) | 6.1871% | 1,303 |
| Cash dividends to net income (ytd only)* | 99.2493% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4219% | 5,782 |
| Loan loss allowance to noncurrent loans | 25.6329% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 1,778 |
| Noncurrent loans to loans | 1.6458% | 1,297 |
| Net loans and leases to total assets | 68.6696% | 2,698 |
| Net loans and leases to deposits | 82.3270% | 2,689 |
| Net loans and leases to core deposits | 86.9253% | 2,856 |
| Total domestic deposits to total assets | 83.4109% | 3,444 |
| Equity capital to assets | 10.2363% | 3,872 |
| Core capital (leverage) ratio | 10.1153% | 3,422 |
| Tier 1 risk-based capital ratio | 14.0601% | 3,530 |
| Total risk-based capital ratio | 14.4649% | 3,934 |
| Memoranda: | ||
| Average total assets | $114,083,750 | 4,120 |
| Average earning assets | $109,714,250 | 4,031 |
| Average equity | $11,447,250 | 4,385 |
| Average total loans | $77,585,750 | 3,886 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 4,572 |
| Cost of funding earning assets | 0.5136% | 1,996 |
| Net interest margin | 3.0922% | 4,856 |
| Noninterest income to average assets | 0.1548% | 5,535 |
| Noninterest expense to average assets | 1.7445% | 5,649 |
| Loan and lease loss provision to assets | 0.1739% | 1,271 |
| Net operating income to assets | 1.2106% | 1,561 |
| Return on assets (ROA) | 1.2106% | 1,660 |
| Pretax return on assets | 1.2106% | 2,748 |
| Return on Equity (ROE) | 12.1434% | 1,260 |
| Retained earnings to average equity (ytd only) | -0.1570% | 5,316 |
| Net charge-offs to loans | -0.0154% | 4,848 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7532% | 5,168 |
| Assets per employee ($millions) | 5.5454% | 1,748 |
| Cash dividends to net income (ytd only)* | 101.2931% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4239% | 5,863 |
| Loan loss allowance to noncurrent loans | 29.6468% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 2,205 |
| Noncurrent loans to loans | 1.4297% | 1,548 |
| Net loans and leases to total assets | 67.5722% | 2,849 |
| Net loans and leases to deposits | 78.8840% | 3,068 |
| Net loans and leases to core deposits | 83.2570% | 3,143 |
| Total domestic deposits to total assets | 85.6602% | 2,577 |
| Equity capital to assets | 10.3203% | 3,831 |
| Core capital (leverage) ratio | 9.9956% | 3,571 |
| Tier 1 risk-based capital ratio | 14.1267% | 3,534 |
| Total risk-based capital ratio | 14.5279% | 3,946 |
| Memoranda: | ||
| Average total assets | $114,989,000 | 4,140 |
| Average earning assets | $110,600,670 | 4,045 |
| Average equity | $11,463,000 | 4,406 |
| Average total loans | $77,847,670 | 3,910 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 4,641 |
| Cost of funding earning assets | 0.3306% | 3,838 |
| Net interest margin | 3.2596% | 4,362 |
| Noninterest income to average assets | 0.1230% | 5,726 |
| Noninterest expense to average assets | 1.6577% | 5,785 |
| Loan and lease loss provision to assets | 0.3418% | 438 |
| Net operating income to assets | 1.2578% | 1,387 |
| Return on assets (ROA) | 1.2578% | 1,479 |
| Pretax return on assets | 1.2578% | 2,480 |
| Return on Equity (ROE) | 12.8318% | 1,072 |
| Retained earnings to average equity (ytd only) | 12.8318% | 409 |
| Net charge-offs to loans | -0.0101% | 4,540 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8919% | 5,573 |
| Assets per employee ($millions) | 5.4292% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4059% | 5,943 |
| Loan loss allowance to noncurrent loans | 21.2694% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 1,653 |
| Noncurrent loans to loans | 1.9083% | 1,146 |
| Net loans and leases to total assets | 67.7943% | 2,675 |
| Net loans and leases to deposits | 79.6626% | 2,841 |
| Net loans and leases to core deposits | 83.2194% | 3,016 |
| Total domestic deposits to total assets | 85.1018% | 3,090 |
| Equity capital to assets | 10.2707% | 3,773 |
| Core capital (leverage) ratio | 9.8916% | 3,672 |
| Tier 1 risk-based capital ratio | 14.0075% | 3,688 |
| Total risk-based capital ratio | 14.3874% | 4,095 |
| Memoranda: | ||
| Average total assets | $117,029,500 | 4,140 |
| Average earning assets | $112,530,500 | 4,030 |
| Average equity | $11,471,500 | 4,422 |
| Average total loans | $79,140,500 | 3,881 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 4,889 |
| Cost of funding earning assets | 0.2948% | 4,311 |
| Net interest margin | 3.2172% | 4,567 |
| Noninterest income to average assets | 0.1448% | 5,688 |
| Noninterest expense to average assets | 1.8143% | 5,717 |
| Loan and lease loss provision to assets | 0.0822% | 2,649 |
| Net operating income to assets | 1.3176% | 1,229 |
| Return on assets (ROA) | 1.3167% | 1,278 |
| Pretax return on assets | 1.3167% | 2,218 |
| Return on Equity (ROE) | 14.3910% | 789 |
| Retained earnings to average equity (ytd only) | 4.8809% | 2,508 |
| Net charge-offs to loans | 0.4389% | 628 |
| Credit loss provision to net charge-offs | 28.4900% | 3,675 |
| Earnings coverage of net charge-offs (x) | 4.8490% | 3,479 |
| Efficiency ratio | 56.4483% | 5,306 |
| Assets per employee ($millions) | 7.5028% | 698 |
| Cash dividends to net income (ytd only)* | 66.0837% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2640% | 6,072 |
| Loan loss allowance to noncurrent loans | 14.5890% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 1,780 |
| Noncurrent loans to loans | 1.8098% | 1,210 |
| Net loans and leases to total assets | 67.0232% | 2,853 |
| Net loans and leases to deposits | 79.1738% | 2,922 |
| Net loans and leases to core deposits | 82.1469% | 3,131 |
| Total domestic deposits to total assets | 84.6533% | 3,236 |
| Equity capital to assets | 9.3573% | 4,723 |
| Core capital (leverage) ratio | 9.2611% | 4,529 |
| Tier 1 risk-based capital ratio | 12.2050% | 4,824 |
| Total risk-based capital ratio | 12.4362% | 5,325 |
| Memoranda: | ||
| Average total assets | $121,588,000 | 4,043 |
| Average earning assets | $116,002,400 | 3,964 |
| Average equity | $11,125,000 | 4,453 |
| Average total loans | $79,972,600 | 3,829 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 5,062 |
| Cost of funding earning assets | 0.2983% | 4,358 |
| Net interest margin | 3.1677% | 4,780 |
| Noninterest income to average assets | 0.1454% | 5,753 |
| Noninterest expense to average assets | 1.6845% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4790% | 953 |
| Return on assets (ROA) | 1.4779% | 993 |
| Pretax return on assets | 1.4779% | 1,742 |
| Return on Equity (ROE) | 16.2427% | 558 |
| Retained earnings to average equity (ytd only) | 7.4366% | 1,483 |
| Net charge-offs to loans | -0.0284% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2481% | 5,567 |
| Assets per employee ($millions) | 8.1125% | 510 |
| Cash dividends to net income (ytd only)* | 54.2161% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 5,898 |
| Loan loss allowance to noncurrent loans | 658.9041% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,534 |
| Noncurrent loans to loans | 0.0907% | 5,268 |
| Net loans and leases to total assets | 65.7539% | 3,052 |
| Net loans and leases to deposits | 75.2846% | 3,389 |
| Net loans and leases to core deposits | 77.8884% | 3,617 |
| Total domestic deposits to total assets | 87.3405% | 1,874 |
| Equity capital to assets | 9.3568% | 4,932 |
| Core capital (leverage) ratio | 9.4088% | 4,424 |
| Tier 1 risk-based capital ratio | 12.9426% | 4,459 |
| Total risk-based capital ratio | 13.4931% | 4,827 |
| Memoranda: | ||
| Average total assets | $121,973,750 | 4,082 |
| Average earning assets | $116,212,500 | 4,001 |
| Average equity | $11,098,000 | 4,510 |
| Average total loans | $79,798,000 | 3,864 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 5,172 |
| Cost of funding earning assets | 0.2944% | 4,448 |
| Net interest margin | 3.1302% | 4,883 |
| Noninterest income to average assets | 0.1540% | 5,788 |
| Noninterest expense to average assets | 1.6728% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4598% | 967 |
| Return on assets (ROA) | 1.4582% | 1,021 |
| Pretax return on assets | 1.4582% | 1,772 |
| Return on Equity (ROE) | 16.1789% | 596 |
| Retained earnings to average equity (ytd only) | 8.7620% | 1,002 |
| Net charge-offs to loans | -0.0352% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3996% | 5,626 |
| Assets per employee ($millions) | 6.4356% | 1,087 |
| Cash dividends to net income (ytd only)* | 45.8427% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 5,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 64.6401% | 3,175 |
| Net loans and leases to deposits | 73.8188% | 3,512 |
| Net loans and leases to core deposits | 76.6055% | 3,709 |
| Total domestic deposits to total assets | 87.5659% | 1,870 |
| Equity capital to assets | 9.1227% | 5,116 |
| Core capital (leverage) ratio | 8.9419% | 5,038 |
| Tier 1 risk-based capital ratio | 13.2511% | 4,372 |
| Total risk-based capital ratio | 13.8195% | 4,678 |
| Memoranda: | ||
| Average total assets | $122,069,330 | 4,116 |
| Average earning assets | $116,158,330 | 4,032 |
| Average equity | $11,002,000 | 4,562 |
| Average total loans | $79,565,670 | 3,898 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 5,161 |
| Cost of funding earning assets | 0.3123% | 4,306 |
| Net interest margin | 3.1092% | 4,922 |
| Noninterest income to average assets | 0.1443% | 5,881 |
| Noninterest expense to average assets | 1.6956% | 6,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4201% | 994 |
| Return on assets (ROA) | 1.4168% | 1,058 |
| Pretax return on assets | 1.4168% | 1,829 |
| Return on Equity (ROE) | 15.8162% | 592 |
| Retained earnings to average equity (ytd only) | 15.8162% | 229 |
| Net charge-offs to loans | -0.0503% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4211% | 5,643 |
| Assets per employee ($millions) | 5.4314% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 6,038 |
| Loan loss allowance to noncurrent loans | 5,266.6667% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,929 |
| Noncurrent loans to loans | 0.0117% | 5,759 |
| Net loans and leases to total assets | 61.1088% | 3,515 |
| Net loans and leases to deposits | 68.0080% | 3,956 |
| Net loans and leases to core deposits | 70.4410% | 4,110 |
| Total domestic deposits to total assets | 89.8554% | 810 |
| Equity capital to assets | 8.9695% | 5,329 |
| Core capital (leverage) ratio | 8.8940% | 5,080 |
| Tier 1 risk-based capital ratio | 13.3923% | 4,377 |
| Total risk-based capital ratio | 13.9632% | 4,700 |
| Memoranda: | ||
| Average total assets | $121,965,500 | 4,148 |
| Average earning assets | $116,557,500 | 4,051 |
| Average equity | $10,925,500 | 4,612 |
| Average total loans | $79,589,500 | 3,907 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 5,104 |
| Cost of funding earning assets | 0.3105% | 4,676 |
| Net interest margin | 3.2815% | 4,652 |
| Noninterest income to average assets | 0.1704% | 5,834 |
| Noninterest expense to average assets | 1.8680% | 5,980 |
| Loan and lease loss provision to assets | -0.2544% | 6,336 |
| Net operating income to assets | 1.6840% | 593 |
| Return on assets (ROA) | 1.6840% | 619 |
| Pretax return on assets | 1.6840% | 1,016 |
| Return on Equity (ROE) | 19.3432% | 291 |
| Retained earnings to average equity (ytd only) | 9.0482% | 695 |
| Net charge-offs to loans | -0.0920% | 6,093 |
| Credit loss provision to net charge-offs | 410.9589% | 630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6470% | 5,604 |
| Assets per employee ($millions) | 5.1743% | 2,096 |
| Cash dividends to net income (ytd only)* | 53.2226% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5633% | 6,191 |
| Loan loss allowance to noncurrent loans | 46,400.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,100 |
| Noncurrent loans to loans | 0.0012% | 5,936 |
| Net loans and leases to total assets | 68.8206% | 2,435 |
| Net loans and leases to deposits | 78.9866% | 2,834 |
| Net loans and leases to core deposits | 82.0522% | 3,103 |
| Total domestic deposits to total assets | 87.1294% | 2,210 |
| Equity capital to assets | 8.9456% | 5,344 |
| Core capital (leverage) ratio | 8.9133% | 5,104 |
| Tier 1 risk-based capital ratio | 12.6289% | 4,958 |
| Total risk-based capital ratio | 13.1771% | 5,317 |
| Memoranda: | ||
| Average total assets | $117,932,800 | 4,228 |
| Average earning assets | $112,389,200 | 4,125 |
| Average equity | $10,267,200 | 4,693 |
| Average total loans | $79,390,600 | 3,890 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 5,330 |
| Cost of funding earning assets | 0.3064% | 4,827 |
| Net interest margin | 3.2206% | 4,892 |
| Noninterest income to average assets | 0.1428% | 6,062 |
| Noninterest expense to average assets | 1.6759% | 6,225 |
| Loan and lease loss provision to assets | -0.3399% | 6,485 |
| Net operating income to assets | 1.8799% | 436 |
| Return on assets (ROA) | 1.8799% | 449 |
| Pretax return on assets | 1.8799% | 748 |
| Return on Equity (ROE) | 21.7443% | 199 |
| Retained earnings to average equity (ytd only) | 11.8749% | 424 |
| Net charge-offs to loans | -0.1187% | 6,192 |
| Credit loss provision to net charge-offs | 428.5714% | 658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1142% | 5,983 |
| Assets per employee ($millions) | 5.2793% | 1,921 |
| Cash dividends to net income (ytd only)* | 45.3887% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5483% | 6,286 |
| Loan loss allowance to noncurrent loans | 23,050.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,207 |
| Noncurrent loans to loans | 0.0024% | 6,046 |
| Net loans and leases to total assets | 68.8601% | 2,400 |
| Net loans and leases to deposits | 85.1385% | 2,015 |
| Net loans and leases to core deposits | 88.5223% | 2,371 |
| Total domestic deposits to total assets | 80.8801% | 4,854 |
| Equity capital to assets | 8.7908% | 5,559 |
| Core capital (leverage) ratio | 8.9022% | 5,193 |
| Tier 1 risk-based capital ratio | 12.3723% | 5,248 |
| Total risk-based capital ratio | 12.9070% | 5,619 |
| Memoranda: | ||
| Average total assets | $117,664,000 | 4,266 |
| Average earning assets | $112,274,000 | 4,164 |
| Average equity | $10,172,500 | 4,750 |
| Average total loans | $78,646,750 | 3,941 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4446% | 5,534 |
| Cost of funding earning assets | 0.2864% | 5,115 |
| Net interest margin | 3.1581% | 5,070 |
| Noninterest income to average assets | 0.1340% | 6,150 |
| Noninterest expense to average assets | 1.7009% | 6,269 |
| Loan and lease loss provision to assets | -0.5154% | 6,595 |
| Net operating income to assets | 1.9603% | 366 |
| Return on assets (ROA) | 1.9603% | 379 |
| Pretax return on assets | 1.9603% | 605 |
| Return on Equity (ROE) | 22.8078% | 170 |
| Retained earnings to average equity (ytd only) | 13.8326% | 273 |
| Net charge-offs to loans | -0.1718% | 6,311 |
| Credit loss provision to net charge-offs | 454.5455% | 625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0688% | 5,905 |
| Assets per employee ($millions) | 5.0746% | 2,120 |
| Cash dividends to net income (ytd only)* | 39.3514% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5668% | 6,350 |
| Loan loss allowance to noncurrent loans | 15,233.3333% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,267 |
| Noncurrent loans to loans | 0.0037% | 6,100 |
| Net loans and leases to total assets | 68.6895% | 2,293 |
| Net loans and leases to deposits | 77.2338% | 2,898 |
| Net loans and leases to core deposits | 80.3695% | 3,170 |
| Total domestic deposits to total assets | 88.9372% | 1,393 |
| Equity capital to assets | 8.9337% | 5,378 |
| Core capital (leverage) ratio | 9.0065% | 5,006 |
| Tier 1 risk-based capital ratio | 12.6734% | 5,103 |
| Total risk-based capital ratio | 13.2270% | 5,487 |
| Memoranda: | ||
| Average total assets | $116,411,000 | 4,321 |
| Average earning assets | $111,015,330 | 4,218 |
| Average equity | $10,005,330 | 4,807 |
| Average total loans | $76,838,000 | 4,010 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 5,796 |
| Cost of funding earning assets | 0.2888% | 5,183 |
| Net interest margin | 3.0356% | 5,425 |
| Noninterest income to average assets | 0.1376% | 6,156 |
| Noninterest expense to average assets | 1.6997% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3315% | 1,141 |
| Return on assets (ROA) | 1.3315% | 1,185 |
| Pretax return on assets | 1.3315% | 1,990 |
| Return on Equity (ROE) | 15.8048% | 662 |
| Retained earnings to average equity (ytd only) | 15.8048% | 281 |
| Net charge-offs to loans | -0.1174% | 6,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0726% | 5,834 |
| Assets per employee ($millions) | 5.1159% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 5,800 |
| Loan loss allowance to noncurrent loans | 469.0789% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 5,862 |
| Noncurrent loans to loans | 0.1962% | 5,502 |
| Net loans and leases to total assets | 65.2233% | 2,688 |
| Net loans and leases to deposits | 72.3157% | 3,293 |
| Net loans and leases to core deposits | 75.7100% | 3,438 |
| Total domestic deposits to total assets | 90.1925% | 973 |
| Equity capital to assets | 8.5106% | 5,648 |
| Core capital (leverage) ratio | 8.5361% | 5,598 |
| Tier 1 risk-based capital ratio | 12.2961% | 5,442 |
| Total risk-based capital ratio | 13.1601% | 5,625 |
| Memoranda: | ||
| Average total assets | $116,259,000 | 4,362 |
| Average earning assets | $110,817,000 | 4,254 |
| Average equity | $9,794,500 | 4,871 |
| Average total loans | $74,943,000 | 4,102 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 5,329 |
| Cost of funding earning assets | 0.3131% | 5,486 |
| Net interest margin | 3.3178% | 4,597 |
| Noninterest income to average assets | 0.1841% | 5,989 |
| Noninterest expense to average assets | 1.9061% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4339% | 955 |
| Return on assets (ROA) | 1.4376% | 980 |
| Pretax return on assets | 1.4219% | 1,711 |
| Return on Equity (ROE) | 17.1996% | 489 |
| Retained earnings to average equity (ytd only) | 12.4317% | 279 |
| Net charge-offs to loans | -0.0243% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3367% | 5,809 |
| Assets per employee ($millions) | 5.2206% | 1,939 |
| Cash dividends to net income (ytd only)* | 27.7209% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 5,743 |
| Loan loss allowance to noncurrent loans | 3,455.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 6,361 |
| Noncurrent loans to loans | 0.0276% | 6,172 |
| Net loans and leases to total assets | 62.4598% | 3,304 |
| Net loans and leases to deposits | 68.9434% | 3,913 |
| Net loans and leases to core deposits | 72.0562% | 4,059 |
| Total domestic deposits to total assets | 90.5958% | 752 |
| Equity capital to assets | 8.3367% | 5,748 |
| Core capital (leverage) ratio | 8.7914% | 5,299 |
| Tier 1 risk-based capital ratio | 12.5043% | 5,286 |
| Total risk-based capital ratio | 13.3896% | 5,471 |
| Memoranda: | ||
| Average total assets | $108,653,800 | 4,532 |
| Average earning assets | $102,840,600 | 4,444 |
| Average equity | $9,081,600 | 5,063 |
| Average total loans | $69,860,200 | 4,271 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 5,508 |
| Cost of funding earning assets | 0.3169% | 5,583 |
| Net interest margin | 3.2597% | 4,795 |
| Noninterest income to average assets | 0.1805% | 6,115 |
| Noninterest expense to average assets | 1.8212% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4453% | 993 |
| Return on assets (ROA) | 1.4503% | 1,036 |
| Pretax return on assets | 1.4503% | 1,767 |
| Return on Equity (ROE) | 17.3392% | 508 |
| Retained earnings to average equity (ytd only) | 12.9635% | 337 |
| Net charge-offs to loans | -0.0231% | 6,092 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7546% | 5,937 |
| Assets per employee ($millions) | 5.2786% | 1,858 |
| Cash dividends to net income (ytd only)* | 25.2361% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 6,044 |
| Loan loss allowance to noncurrent loans | 714.5833% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 6,180 |
| Noncurrent loans to loans | 0.1265% | 5,940 |
| Net loans and leases to total assets | 67.8187% | 2,321 |
| Net loans and leases to deposits | 81.3666% | 2,220 |
| Net loans and leases to core deposits | 84.4885% | 2,598 |
| Total domestic deposits to total assets | 83.3496% | 4,442 |
| Equity capital to assets | 8.4493% | 5,790 |
| Core capital (leverage) ratio | 8.6325% | 5,621 |
| Tier 1 risk-based capital ratio | 11.8919% | 5,844 |
| Total risk-based capital ratio | 12.7505% | 6,022 |
| Memoranda: | ||
| Average total assets | $107,104,000 | 4,610 |
| Average earning assets | $101,398,000 | 4,518 |
| Average equity | $8,958,250 | 5,146 |
| Average total loans | $69,218,250 | 4,327 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 5,683 |
| Cost of funding earning assets | 0.3126% | 5,735 |
| Net interest margin | 3.1935% | 4,972 |
| Noninterest income to average assets | 0.1682% | 6,210 |
| Noninterest expense to average assets | 1.8648% | 6,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3339% | 1,237 |
| Return on assets (ROA) | 1.3415% | 1,311 |
| Pretax return on assets | 1.3415% | 2,152 |
| Return on Equity (ROE) | 16.0955% | 652 |
| Retained earnings to average equity (ytd only) | 11.0855% | 630 |
| Net charge-offs to loans | -0.0298% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2989% | 5,692 |
| Assets per employee ($millions) | 4.9336% | 2,183 |
| Cash dividends to net income (ytd only)* | 31.1268% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 5,917 |
| Loan loss allowance to noncurrent loans | 804.7059% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 6,252 |
| Noncurrent loans to loans | 0.1210% | 6,026 |
| Net loans and leases to total assets | 67.1367% | 2,392 |
| Net loans and leases to deposits | 76.4842% | 2,804 |
| Net loans and leases to core deposits | 79.4647% | 3,093 |
| Total domestic deposits to total assets | 87.7786% | 2,399 |
| Equity capital to assets | 8.5343% | 5,737 |
| Core capital (leverage) ratio | 8.7055% | 5,412 |
| Tier 1 risk-based capital ratio | 12.2170% | 5,669 |
| Total risk-based capital ratio | 13.1333% | 5,817 |
| Memoranda: | ||
| Average total assets | $105,855,330 | 4,674 |
| Average earning assets | $100,455,330 | 4,572 |
| Average equity | $8,822,330 | 5,221 |
| Average total loans | $67,003,330 | 4,422 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3797% | 5,984 |
| Cost of funding earning assets | 0.3126% | 5,869 |
| Net interest margin | 3.0670% | 5,379 |
| Noninterest income to average assets | 0.1683% | 6,252 |
| Noninterest expense to average assets | 1.9405% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0553% | 2,015 |
| Return on assets (ROA) | 1.0694% | 2,081 |
| Pretax return on assets | 1.1404% | 2,812 |
| Return on Equity (ROE) | 12.9816% | 1,176 |
| Retained earnings to average equity (ytd only) | 11.8014% | 728 |
| Net charge-offs to loans | -0.0245% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2927% | 5,118 |
| Assets per employee ($millions) | 4.6376% | 2,746 |
| Cash dividends to net income (ytd only)* | 9.0909% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 5,858 |
| Loan loss allowance to noncurrent loans | 826.8293% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 6,361 |
| Noncurrent loans to loans | 0.1251% | 6,094 |
| Net loans and leases to total assets | 60.8110% | 3,286 |
| Net loans and leases to deposits | 67.0214% | 3,911 |
| Net loans and leases to core deposits | 69.4780% | 4,139 |
| Total domestic deposits to total assets | 90.7336% | 653 |
| Equity capital to assets | 8.3692% | 6,131 |
| Core capital (leverage) ratio | 8.3624% | 5,751 |
| Tier 1 risk-based capital ratio | 11.4533% | 6,208 |
| Total risk-based capital ratio | 12.3267% | 6,346 |
| Memoranda: | ||
| Average total assets | $106,980,500 | 4,680 |
| Average earning assets | $101,075,000 | 4,593 |
| Average equity | $8,812,500 | 5,272 |
| Average total loans | $65,384,500 | 4,512 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 6,393 |
| Cost of funding earning assets | 0.4227% | 5,770 |
| Net interest margin | 3.0441% | 5,941 |
| Noninterest income to average assets | 0.1908% | 6,040 |
| Noninterest expense to average assets | 1.8395% | 6,567 |
| Loan and lease loss provision to assets | 0.0662% | 4,923 |
| Net operating income to assets | 1.0726% | 2,045 |
| Return on assets (ROA) | 1.0915% | 2,150 |
| Pretax return on assets | 1.1675% | 2,912 |
| Return on Equity (ROE) | 14.7294% | 866 |
| Retained earnings to average equity (ytd only) | 9.1165% | 791 |
| Net charge-offs to loans | 0.2510% | 3,434 |
| Credit loss provision to net charge-offs | 46.2963% | 4,775 |
| Earnings coverage of net charge-offs (x) | 8.4815% | 2,405 |
| Efficiency ratio | 60.2546% | 5,503 |
| Assets per employee ($millions) | 4.6650% | 2,688 |
| Cash dividends to net income (ytd only)* | 38.1068% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,839 |
| Loan loss allowance to noncurrent loans | 333.6634% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 6,091 |
| Noncurrent loans to loans | 0.3097% | 5,710 |
| Net loans and leases to total assets | 60.1635% | 3,576 |
| Net loans and leases to deposits | 72.7710% | 3,286 |
| Net loans and leases to core deposits | 75.3349% | 3,621 |
| Total domestic deposits to total assets | 82.6750% | 4,861 |
| Equity capital to assets | 8.1065% | 6,347 |
| Core capital (leverage) ratio | 8.0740% | 6,118 |
| Tier 1 risk-based capital ratio | 12.2636% | 5,624 |
| Total risk-based capital ratio | 13.2213% | 5,760 |
| Memoranda: | ||
| Average total assets | $113,235,600 | 4,513 |
| Average earning assets | $106,467,000 | 4,432 |
| Average equity | $8,391,400 | 5,392 |
| Average total loans | $64,551,200 | 4,556 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 6,633 |
| Cost of funding earning assets | 0.4378% | 5,881 |
| Net interest margin | 2.9574% | 6,258 |
| Noninterest income to average assets | 0.1860% | 6,187 |
| Noninterest expense to average assets | 1.7166% | 6,773 |
| Loan and lease loss provision to assets | 0.0872% | 4,520 |
| Net operating income to assets | 1.0941% | 2,114 |
| Return on assets (ROA) | 1.1192% | 2,220 |
| Pretax return on assets | 1.1959% | 3,001 |
| Return on Equity (ROE) | 15.4421% | 826 |
| Retained earnings to average equity (ytd only) | 9.5731% | 1,036 |
| Net charge-offs to loans | -0.0269% | 6,559 |
| Credit loss provision to net charge-offs | -576.9231% | 6,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7404% | 5,827 |
| Assets per employee ($millions) | 4.6603% | 2,661 |
| Cash dividends to net income (ytd only)* | 38.0063% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 5,011 |
| Loan loss allowance to noncurrent loans | 158.6916% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 5,425 |
| Noncurrent loans to loans | 0.7931% | 4,818 |
| Net loans and leases to total assets | 62.1400% | 3,354 |
| Net loans and leases to deposits | 74.8643% | 3,165 |
| Net loans and leases to core deposits | 77.7254% | 3,497 |
| Total domestic deposits to total assets | 83.0035% | 4,634 |
| Equity capital to assets | 7.9870% | 6,597 |
| Core capital (leverage) ratio | 7.7881% | 6,476 |
| Tier 1 risk-based capital ratio | 11.8815% | 6,007 |
| Total risk-based capital ratio | 13.0733% | 6,025 |
| Memoranda: | ||
| Average total assets | $114,720,500 | 4,518 |
| Average earning assets | $108,110,500 | 4,432 |
| Average equity | $8,314,750 | 5,469 |
| Average total loans | $64,382,250 | 4,609 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3099% | 6,809 |
| Cost of funding earning assets | 0.4519% | 5,961 |
| Net interest margin | 2.8579% | 6,483 |
| Noninterest income to average assets | 0.1587% | 6,396 |
| Noninterest expense to average assets | 1.6719% | 6,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1089% | 2,013 |
| Return on assets (ROA) | 1.1089% | 2,230 |
| Pretax return on assets | 1.1840% | 3,001 |
| Return on Equity (ROE) | 15.7907% | 797 |
| Retained earnings to average equity (ytd only) | 9.4502% | 1,130 |
| Net charge-offs to loans | -0.0284% | 6,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5424% | 5,798 |
| Assets per employee ($millions) | 4.9729% | 2,209 |
| Cash dividends to net income (ytd only)* | 40.1538% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,572 |
| Loan loss allowance to noncurrent loans | 326.2712% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 6,237 |
| Noncurrent loans to loans | 0.3523% | 5,839 |
| Net loans and leases to total assets | 60.5280% | 3,728 |
| Net loans and leases to deposits | 67.5638% | 4,277 |
| Net loans and leases to core deposits | 69.8951% | 4,539 |
| Total domestic deposits to total assets | 89.5863% | 1,170 |
| Equity capital to assets | 7.6588% | 6,731 |
| Core capital (leverage) ratio | 7.3263% | 6,704 |
| Tier 1 risk-based capital ratio | 11.5049% | 6,214 |
| Total risk-based capital ratio | 12.5779% | 6,299 |
| Memoranda: | ||
| Average total assets | $117,231,670 | 4,474 |
| Average earning assets | $110,639,000 | 4,399 |
| Average equity | $8,232,670 | 5,506 |
| Average total loans | $63,358,000 | 4,659 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2291% | 6,934 |
| Cost of funding earning assets | 0.4798% | 5,942 |
| Net interest margin | 2.7493% | 6,715 |
| Noninterest income to average assets | 0.1453% | 6,513 |
| Noninterest expense to average assets | 1.5552% | 7,012 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1094% | 2,042 |
| Return on assets (ROA) | 1.1094% | 2,225 |
| Pretax return on assets | 1.1820% | 2,976 |
| Return on Equity (ROE) | 16.4716% | 743 |
| Retained earnings to average equity (ytd only) | 16.4716% | 339 |
| Net charge-offs to loans | -0.0260% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8154% | 6,042 |
| Assets per employee ($millions) | 5.5038% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 5,312 |
| Loan loss allowance to noncurrent loans | 246.7742% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 6,246 |
| Noncurrent loans to loans | 0.5028% | 5,668 |
| Net loans and leases to total assets | 50.2911% | 5,264 |
| Net loans and leases to deposits | 54.5152% | 5,756 |
| Net loans and leases to core deposits | 56.1535% | 5,895 |
| Total domestic deposits to total assets | 92.2516% | 218 |
| Equity capital to assets | 6.8812% | 6,955 |
| Core capital (leverage) ratio | 6.6582% | 6,939 |
| Tier 1 risk-based capital ratio | 11.7957% | 6,088 |
| Total risk-based capital ratio | 12.8958% | 6,172 |
| Memoranda: | ||
| Average total assets | $121,145,500 | 4,429 |
| Average earning assets | $114,212,000 | 4,333 |
| Average equity | $8,159,500 | 5,544 |
| Average total loans | $61,542,000 | 4,752 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 6,730 |
| Cost of funding earning assets | 0.8621% | 4,378 |
| Net interest margin | 2.9395% | 6,628 |
| Noninterest income to average assets | 0.1215% | 6,541 |
| Noninterest expense to average assets | 1.7911% | 6,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0279% | 2,097 |
| Return on assets (ROA) | 1.0279% | 2,245 |
| Pretax return on assets | 1.0995% | 2,839 |
| Return on Equity (ROE) | 14.8788% | 764 |
| Retained earnings to average equity (ytd only) | 7.7674% | 1,166 |
| Net charge-offs to loans | -0.0247% | 6,978 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9630% | 5,469 |
| Assets per employee ($millions) | 5.5095% | 1,628 |
| Cash dividends to net income (ytd only)* | 47.7954% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 5,231 |
| Loan loss allowance to noncurrent loans | 322.4576% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 5,965 |
| Noncurrent loans to loans | 0.3842% | 5,943 |
| Net loans and leases to total assets | 50.0495% | 5,571 |
| Net loans and leases to deposits | 54.0769% | 6,065 |
| Net loans and leases to core deposits | 55.8390% | 6,168 |
| Total domestic deposits to total assets | 92.5525% | 176 |
| Equity capital to assets | 6.5895% | 7,039 |
| Core capital (leverage) ratio | 6.4265% | 6,993 |
| Tier 1 risk-based capital ratio | 11.2640% | 6,312 |
| Total risk-based capital ratio | 12.3536% | 6,381 |
| Memoranda: | ||
| Average total assets | $110,321,400 | 4,636 |
| Average earning assets | $103,929,600 | 4,543 |
| Average equity | $7,621,600 | 5,682 |
| Average total loans | $64,675,200 | 4,693 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 6,666 |
| Cost of funding earning assets | 0.9539% | 4,012 |
| Net interest margin | 2.9920% | 6,599 |
| Noninterest income to average assets | 0.1276% | 6,614 |
| Noninterest expense to average assets | 1.7311% | 7,067 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1363% | 1,858 |
| Return on assets (ROA) | 1.1363% | 1,975 |
| Pretax return on assets | 1.2144% | 2,582 |
| Return on Equity (ROE) | 16.2364% | 649 |
| Retained earnings to average equity (ytd only) | 7.9323% | 1,528 |
| Net charge-offs to loans | -0.0204% | 6,915 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7716% | 5,896 |
| Assets per employee ($millions) | 5.3382% | 1,763 |
| Cash dividends to net income (ytd only)* | 51.1451% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 5,453 |
| Loan loss allowance to noncurrent loans | 5,392.8571% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 6,246 |
| Noncurrent loans to loans | 0.0223% | 6,884 |
| Net loans and leases to total assets | 52.7848% | 5,353 |
| Net loans and leases to deposits | 57.1404% | 5,924 |
| Net loans and leases to core deposits | 59.0587% | 6,054 |
| Total domestic deposits to total assets | 92.3774% | 170 |
| Equity capital to assets | 6.6808% | 7,108 |
| Core capital (leverage) ratio | 7.0084% | 6,960 |
| Tier 1 risk-based capital ratio | 11.0104% | 6,535 |
| Total risk-based capital ratio | 12.0869% | 6,619 |
| Memoranda: | ||
| Average total assets | $107,599,750 | 4,727 |
| Average earning assets | $101,332,750 | 4,633 |
| Average equity | $7,530,250 | 5,741 |
| Average total loans | $65,487,750 | 4,698 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 6,689 |
| Cost of funding earning assets | 0.9794% | 4,095 |
| Net interest margin | 3.0031% | 6,603 |
| Noninterest income to average assets | 0.1304% | 6,669 |
| Noninterest expense to average assets | 1.8923% | 6,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0084% | 2,190 |
| Return on assets (ROA) | 1.0084% | 2,289 |
| Pretax return on assets | 1.0775% | 2,944 |
| Return on Equity (ROE) | 14.1684% | 941 |
| Retained earnings to average equity (ytd only) | 3.5017% | 4,023 |
| Net charge-offs to loans | -0.0181% | 6,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7185% | 5,292 |
| Assets per employee ($millions) | 5.0748% | 2,019 |
| Cash dividends to net income (ytd only)* | 75.2852% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,739 |
| Loan loss allowance to noncurrent loans | 6,827.2727% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 6,267 |
| Noncurrent loans to loans | 0.0169% | 6,955 |
| Net loans and leases to total assets | 57.4912% | 4,725 |
| Net loans and leases to deposits | 62.2693% | 5,465 |
| Net loans and leases to core deposits | 64.4677% | 5,677 |
| Total domestic deposits to total assets | 92.3266% | 182 |
| Equity capital to assets | 6.7070% | 7,153 |
| Core capital (leverage) ratio | 6.7466% | 7,067 |
| Tier 1 risk-based capital ratio | 10.5188% | 6,783 |
| Total risk-based capital ratio | 11.5858% | 6,849 |
| Memoranda: | ||
| Average total assets | $104,319,330 | 4,850 |
| Average earning assets | $98,633,000 | 4,742 |
| Average equity | $7,425,000 | 5,793 |
| Average total loans | $66,401,670 | 4,709 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 6,352 |
| Cost of funding earning assets | 1.0202% | 4,061 |
| Net interest margin | 3.1492% | 6,220 |
| Noninterest income to average assets | 0.1391% | 6,716 |
| Noninterest expense to average assets | 1.8638% | 7,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1604% | 1,625 |
| Return on assets (ROA) | 1.1604% | 1,678 |
| Pretax return on assets | 1.2438% | 2,218 |
| Return on Equity (ROE) | 15.7977% | 699 |
| Retained earnings to average equity (ytd only) | 15.7977% | 332 |
| Net charge-offs to loans | -0.0238% | 6,629 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9744% | 5,984 |
| Assets per employee ($millions) | 5.1254% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,708 |
| Loan loss allowance to noncurrent loans | 24,966.6667% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 6,328 |
| Noncurrent loans to loans | 0.0047% | 7,078 |
| Net loans and leases to total assets | 58.1569% | 4,620 |
| Net loans and leases to deposits | 63.2225% | 5,358 |
| Net loans and leases to core deposits | 65.4674% | 5,570 |
| Total domestic deposits to total assets | 91.9876% | 289 |
| Equity capital to assets | 6.9542% | 7,095 |
| Core capital (leverage) ratio | 7.2715% | 6,878 |
| Tier 1 risk-based capital ratio | 11.0311% | 6,493 |
| Total risk-based capital ratio | 12.1231% | 6,569 |
| Memoranda: | ||
| Average total assets | $100,656,500 | 4,991 |
| Average earning assets | $94,880,000 | 4,890 |
| Average equity | $7,393,500 | 5,807 |
| Average total loans | $67,134,000 | 4,721 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 5,572 |
| Cost of funding earning assets | 1.2665% | 4,102 |
| Net interest margin | 3.4960% | 5,256 |
| Noninterest income to average assets | -0.1241% | 7,412 |
| Noninterest expense to average assets | 2.1932% | 6,633 |
| Loan and lease loss provision to assets | 0.0054% | 7,016 |
| Net operating income to assets | 0.9030% | 2,371 |
| Return on assets (ROA) | 0.9040% | 2,505 |
| Pretax return on assets | 0.9720% | 3,021 |
| Return on Equity (ROE) | 11.9455% | 1,325 |
| Retained earnings to average equity (ytd only) | 10.5770% | 427 |
| Net charge-offs to loans | -0.1646% | 7,533 |
| Credit loss provision to net charge-offs | -4.4248% | 6,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1967% | 4,341 |
| Assets per employee ($millions) | 4.4610% | 2,937 |
| Cash dividends to net income (ytd only)* | 11.4558% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 6,142 |
| Loan loss allowance to noncurrent loans | 886.9048% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 6,049 |
| Noncurrent loans to loans | 0.1184% | 6,845 |
| Net loans and leases to total assets | 74.9125% | 1,491 |
| Net loans and leases to deposits | 83.1365% | 2,597 |
| Net loans and leases to core deposits | 86.0942% | 3,306 |
| Total domestic deposits to total assets | 90.1078% | 1,031 |
| Equity capital to assets | 7.7946% | 6,675 |
| Core capital (leverage) ratio | 7.7632% | 6,484 |
| Tier 1 risk-based capital ratio | 10.3396% | 6,799 |
| Total risk-based capital ratio | 11.3986% | 6,885 |
| Memoranda: | ||
| Average total assets | $92,697,400 | 5,200 |
| Average earning assets | $87,329,600 | 5,104 |
| Average equity | $7,015,200 | 6,031 |
| Average total loans | $68,659,000 | 4,731 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 5,908 |
| Cost of funding earning assets | 1.3249% | 4,075 |
| Net interest margin | 3.4071% | 5,650 |
| Noninterest income to average assets | 0.1615% | 6,708 |
| Noninterest expense to average assets | 2.1445% | 6,748 |
| Loan and lease loss provision to assets | 0.0072% | 6,948 |
| Net operating income to assets | 1.1365% | 1,779 |
| Return on assets (ROA) | 1.1379% | 1,883 |
| Pretax return on assets | 1.2229% | 2,414 |
| Return on Equity (ROE) | 15.1504% | 835 |
| Retained earnings to average equity (ytd only) | 13.7680% | 289 |
| Net charge-offs to loans | -0.2134% | 7,627 |
| Credit loss provision to net charge-offs | -4.5872% | 6,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5742% | 5,330 |
| Assets per employee ($millions) | 4.8951% | 2,325 |
| Cash dividends to net income (ytd only)* | 9.1257% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,173 |
| Loan loss allowance to noncurrent loans | 206.4067% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 4,949 |
| Noncurrent loans to loans | 0.5079% | 6,183 |
| Net loans and leases to total assets | 75.1943% | 1,550 |
| Net loans and leases to deposits | 87.0576% | 2,143 |
| Net loans and leases to core deposits | 93.5248% | 2,590 |
| Total domestic deposits to total assets | 86.3731% | 2,873 |
| Equity capital to assets | 7.9263% | 6,855 |
| Core capital (leverage) ratio | 7.7566% | 6,618 |
| Tier 1 risk-based capital ratio | 10.3327% | 6,876 |
| Total risk-based capital ratio | 11.3889% | 6,973 |
| Memoranda: | ||
| Average total assets | $92,451,750 | 5,272 |
| Average earning assets | $87,148,500 | 5,170 |
| Average equity | $6,943,500 | 6,135 |
| Average total loans | $68,093,000 | 4,828 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 6,432 |
| Cost of funding earning assets | 1.4055% | 3,845 |
| Net interest margin | 3.2033% | 6,309 |
| Noninterest income to average assets | 0.1561% | 6,773 |
| Noninterest expense to average assets | 2.0766% | 6,965 |
| Loan and lease loss provision to assets | 0.0108% | 6,797 |
| Net operating income to assets | 1.0016% | 2,197 |
| Return on assets (ROA) | 1.0036% | 2,265 |
| Pretax return on assets | 1.0795% | 2,850 |
| Return on Equity (ROE) | 13.6163% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.2047% | 460 |
| Net charge-offs to loans | -0.3124% | 7,693 |
| Credit loss provision to net charge-offs | -4.7619% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6164% | 5,049 |
| Assets per employee ($millions) | 4.8823% | 2,322 |
| Cash dividends to net income (ytd only)* | 10.3672% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 6,188 |
| Loan loss allowance to noncurrent loans | 201.3661% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 4,741 |
| Noncurrent loans to loans | 0.5203% | 6,216 |
| Net loans and leases to total assets | 75.0364% | 1,683 |
| Net loans and leases to deposits | 88.8092% | 2,034 |
| Net loans and leases to core deposits | 95.5680% | 2,499 |
| Total domestic deposits to total assets | 84.4917% | 3,876 |
| Equity capital to assets | 7.5946% | 7,056 |
| Core capital (leverage) ratio | 7.6835% | 6,632 |
| Tier 1 risk-based capital ratio | 9.9560% | 7,047 |
| Total risk-based capital ratio | 11.0122% | 7,139 |
| Memoranda: | ||
| Average total assets | $92,266,670 | 5,303 |
| Average earning assets | $86,660,000 | 5,219 |
| Average equity | $6,800,670 | 6,205 |
| Average total loans | $67,231,670 | 4,892 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 6,439 |
| Cost of funding earning assets | 1.4835% | 3,669 |
| Net interest margin | 3.1576% | 6,425 |
| Noninterest income to average assets | 0.1826% | 6,648 |
| Noninterest expense to average assets | 2.2126% | 6,660 |
| Loan and lease loss provision to assets | 0.0217% | 6,433 |
| Net operating income to assets | 0.8393% | 2,796 |
| Return on assets (ROA) | 0.8433% | 2,873 |
| Pretax return on assets | 0.9042% | 3,457 |
| Return on Equity (ROE) | 11.6194% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.6194% | 809 |
| Net charge-offs to loans | -0.6212% | 7,819 |
| Credit loss provision to net charge-offs | -4.9020% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5964% | 4,193 |
| Assets per employee ($millions) | 4.7323% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,844 |
| Loan loss allowance to noncurrent loans | 941.0256% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 5,318 |
| Noncurrent loans to loans | 0.1205% | 7,107 |
| Net loans and leases to total assets | 71.1991% | 2,649 |
| Net loans and leases to deposits | 77.8401% | 4,072 |
| Net loans and leases to core deposits | 83.9184% | 4,212 |
| Total domestic deposits to total assets | 91.4685% | 385 |
| Equity capital to assets | 7.5316% | 7,047 |
| Core capital (leverage) ratio | 7.5056% | 6,845 |
| Tier 1 risk-based capital ratio | 10.0942% | 6,965 |
| Total risk-based capital ratio | 11.1958% | 7,056 |
| Memoranda: | ||
| Average total assets | $92,018,500 | 5,386 |
| Average earning assets | $86,015,000 | 5,304 |
| Average equity | $6,678,500 | 6,297 |
| Average total loans | $65,676,000 | 5,010 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 6,845 |
| Cost of funding earning assets | 1.7416% | 4,297 |
| Net interest margin | 3.1053% | 6,350 |
| Noninterest income to average assets | 0.1631% | 6,911 |
| Noninterest expense to average assets | 2.3038% | 6,737 |
| Loan and lease loss provision to assets | 0.4132% | 4,332 |
| Net operating income to assets | 0.3356% | 4,389 |
| Return on assets (ROA) | 0.3438% | 4,450 |
| Pretax return on assets | 0.3702% | 4,578 |
| Return on Equity (ROE) | 4.8568% | 3,734 |
| Retained earnings to average equity (ytd only) | 4.7323% | 1,958 |
| Net charge-offs to loans | 0.7033% | 3,078 |
| Credit loss provision to net charge-offs | 85.4214% | 6,151 |
| Earnings coverage of net charge-offs (x) | 1.6014% | 4,542 |
| Efficiency ratio | 74.8389% | 3,739 |
| Assets per employee ($millions) | 4.9538% | 2,275 |
| Cash dividends to net income (ytd only)* | 2.5641% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,671 |
| Loan loss allowance to noncurrent loans | 674.1935% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 5,317 |
| Noncurrent loans to loans | 0.1396% | 7,080 |
| Net loans and leases to total assets | 70.0923% | 3,237 |
| Net loans and leases to deposits | 83.9479% | 3,283 |
| Net loans and leases to core deposits | 105.6701% | 3,375 |
| Total domestic deposits to total assets | 83.4950% | 4,289 |
| Equity capital to assets | 6.9962% | 7,372 |
| Core capital (leverage) ratio | 6.9748% | 7,262 |
| Tier 1 risk-based capital ratio | 9.4646% | 7,251 |
| Total risk-based capital ratio | 10.3731% | 7,431 |
| Memoranda: | ||
| Average total assets | $90,761,400 | 5,370 |
| Average earning assets | $85,208,200 | 5,293 |
| Average equity | $6,424,000 | 6,454 |
| Average total loans | $62,416,400 | 5,154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 7,108 |
| Cost of funding earning assets | 1.7802% | 4,479 |
| Net interest margin | 3.0262% | 6,528 |
| Noninterest income to average assets | 0.1601% | 7,053 |
| Noninterest expense to average assets | 2.0951% | 7,206 |
| Loan and lease loss provision to assets | 0.5338% | 3,250 |
| Net operating income to assets | 0.3618% | 4,546 |
| Return on assets (ROA) | 0.3811% | 4,580 |
| Pretax return on assets | 0.4078% | 4,785 |
| Return on Equity (ROE) | 5.3677% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.2424% | 2,349 |
| Net charge-offs to loans | 0.9755% | 2,019 |
| Credit loss provision to net charge-offs | 80.1782% | 5,761 |
| Earnings coverage of net charge-offs (x) | 1.3831% | 4,748 |
| Efficiency ratio | 69.4690% | 4,701 |
| Assets per employee ($millions) | 4.8988% | 2,269 |
| Cash dividends to net income (ytd only)* | 2.3347% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 6,711 |
| Loan loss allowance to noncurrent loans | 105.9859% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 5,281 |
| Noncurrent loans to loans | 0.8601% | 5,577 |
| Net loans and leases to total assets | 70.2999% | 3,440 |
| Net loans and leases to deposits | 86.4532% | 3,239 |
| Net loans and leases to core deposits | 109.8017% | 3,261 |
| Total domestic deposits to total assets | 81.3155% | 4,959 |
| Equity capital to assets | 7.0060% | 7,594 |
| Core capital (leverage) ratio | 7.3622% | 7,118 |
| Tier 1 risk-based capital ratio | 9.3448% | 7,468 |
| Total risk-based capital ratio | 10.2130% | 7,655 |
| Memoranda: | ||
| Average total assets | $89,921,000 | 5,429 |
| Average earning assets | $84,857,000 | 5,343 |
| Average equity | $6,383,750 | 6,526 |
| Average total loans | $61,370,500 | 5,227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 7,237 |
| Cost of funding earning assets | 1.8382% | 4,564 |
| Net interest margin | 2.9570% | 6,662 |
| Noninterest income to average assets | 0.1755% | 7,040 |
| Noninterest expense to average assets | 1.9287% | 7,584 |
| Loan and lease loss provision to assets | 0.5064% | 3,007 |
| Net operating income to assets | 0.4885% | 4,127 |
| Return on assets (ROA) | 0.4906% | 4,248 |
| Pretax return on assets | 0.5266% | 4,533 |
| Return on Equity (ROE) | 6.8791% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.7529% | 1,680 |
| Net charge-offs to loans | -0.0234% | 7,728 |
| Credit loss provision to net charge-offs | -3,214.2857% | 7,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1711% | 5,684 |
| Assets per employee ($millions) | 4.6019% | 2,604 |
| Cash dividends to net income (ytd only)* | 1.8349% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 3,545 |
| Loan loss allowance to noncurrent loans | 111.3390% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3201% | 4,307 |
| Noncurrent loans to loans | 1.2889% | 4,621 |
| Net loans and leases to total assets | 68.8777% | 3,974 |
| Net loans and leases to deposits | 81.6415% | 4,282 |
| Net loans and leases to core deposits | 101.9328% | 4,284 |
| Total domestic deposits to total assets | 84.3661% | 3,568 |
| Equity capital to assets | 7.0287% | 7,603 |
| Core capital (leverage) ratio | 7.2583% | 7,293 |
| Tier 1 risk-based capital ratio | 9.5584% | 7,342 |
| Total risk-based capital ratio | 10.8092% | 7,297 |
| Memoranda: | ||
| Average total assets | $88,869,000 | 5,501 |
| Average earning assets | $83,666,670 | 5,423 |
| Average equity | $6,338,000 | 6,595 |
| Average total loans | $59,815,670 | 5,343 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 7,248 |
| Cost of funding earning assets | 1.9201% | 4,535 |
| Net interest margin | 2.9488% | 6,616 |
| Noninterest income to average assets | 0.1146% | 7,456 |
| Noninterest expense to average assets | 2.0347% | 7,269 |
| Loan and lease loss provision to assets | 0.9624% | 1,349 |
| Net operating income to assets | -0.2200% | 6,585 |
| Return on assets (ROA) | -0.2200% | 6,660 |
| Pretax return on assets | -0.1237% | 6,498 |
| Return on Equity (ROE) | -3.0610% | 6,789 |
| Retained earnings to average equity (ytd only) | -3.0610% | 6,293 |
| Net charge-offs to loans | -0.0278% | 7,534 |
| Credit loss provision to net charge-offs | -5,250.0000% | 6,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8134% | 4,410 |
| Assets per employee ($millions) | 4.3121% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 2,664 |
| Loan loss allowance to noncurrent loans | 105.9789% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 3,637 |
| Noncurrent loans to loans | 1.4788% | 4,084 |
| Net loans and leases to total assets | 65.8368% | 4,621 |
| Net loans and leases to deposits | 73.2594% | 5,577 |
| Net loans and leases to core deposits | 89.4594% | 5,609 |
| Total domestic deposits to total assets | 89.8680% | 858 |
| Equity capital to assets | 7.2181% | 7,549 |
| Core capital (leverage) ratio | 7.1212% | 7,537 |
| Tier 1 risk-based capital ratio | 9.8075% | 7,137 |
| Total risk-based capital ratio | 11.0595% | 7,035 |
| Memoranda: | ||
| Average total assets | $87,285,000 | 5,575 |
| Average earning assets | $81,660,500 | 5,496 |
| Average equity | $6,272,500 | 6,664 |
| Average total loans | $57,565,500 | 5,473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4203% | 7,436 |
| Cost of funding earning assets | 2.6711% | 3,311 |
| Net interest margin | 2.7493% | 7,411 |
| Noninterest income to average assets | 0.2928% | 6,369 |
| Noninterest expense to average assets | 2.0601% | 7,323 |
| Loan and lease loss provision to assets | 0.2450% | 4,466 |
| Net operating income to assets | 0.4934% | 4,769 |
| Return on assets (ROA) | 0.4934% | 4,602 |
| Pretax return on assets | 0.5308% | 4,903 |
| Return on Equity (ROE) | 6.7713% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.4021% | 2,383 |
| Net charge-offs to loans | 0.3945% | 2,842 |
| Credit loss provision to net charge-offs | 98.5915% | 5,429 |
| Earnings coverage of net charge-offs (x) | 3.1221% | 4,529 |
| Efficiency ratio | 72.6450% | 3,816 |
| Assets per employee ($millions) | 4.4164% | 2,760 |
| Cash dividends to net income (ytd only)* | 34.9882% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 4,511 |
| Loan loss allowance to noncurrent loans | 61.0964% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.5284% | 3,161 |
| Noncurrent loans to loans | 1.9687% | 2,801 |
| Net loans and leases to total assets | 64.2571% | 5,222 |
| Net loans and leases to deposits | 73.7056% | 5,874 |
| Net loans and leases to core deposits | 87.4139% | 6,030 |
| Total domestic deposits to total assets | 87.1807% | 1,851 |
| Equity capital to assets | 7.1551% | 7,650 |
| Core capital (leverage) ratio | 7.2243% | 7,501 |
| Tier 1 risk-based capital ratio | 9.8966% | 6,854 |
| Total risk-based capital ratio | 10.9946% | 6,931 |
| Memoranda: | ||
| Average total assets | $85,723,000 | 5,493 |
| Average earning assets | $79,294,000 | 5,458 |
| Average equity | $6,247,000 | 6,716 |
| Average total loans | $53,997,200 | 5,527 |