Home > The Citizens National Bank of Woodsfield > Performance and Condition Ratios
The Citizens National Bank of Woodsfield, 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 | 2.8311% | 4,544 |
| Cost of funding earning assets | 0.1122% | 4,478 |
| Net interest margin | 2.7188% | 3,794 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.8348% | 3,943 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6704% | 3,264 |
| Return on assets (ROA) | 0.6635% | 3,267 |
| Pretax return on assets | 0.8223% | 3,157 |
| Return on Equity (ROE) | 18.0500% | 810 |
| Retained earnings to average equity (ytd only) | 11.2222% | 746 |
| Net charge-offs to loans | 0.0251% | 1,812 |
| Credit loss provision to net charge-offs | 93.3333% | 1,919 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 981 |
| Efficiency ratio | 68.5973% | 2,046 |
| Assets per employee ($millions) | 4.6577% | 3,848 |
| Cash dividends to net income (ytd only)* | 37.8325% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,206 |
| Loan loss allowance to noncurrent loans | 2,573.3333% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,709 |
| Noncurrent loans to loans | 0.0246% | 3,569 |
| Net loans and leases to total assets | 41.9800% | 3,965 |
| Net loans and leases to deposits | 44.1891% | 4,100 |
| Net loans and leases to core deposits | 44.3833% | 4,197 |
| Total domestic deposits to total assets | 94.9900% | 59 |
| Equity capital to assets | 4.7871% | 4,438 |
| Core capital (leverage) ratio | 7.8299% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4422% | 575 |
| Memoranda: | ||
| Average total assets | $152,983,800 | 3,331 |
| Average earning assets | $144,326,600 | 3,300 |
| Average equity | $5,622,800 | 4,196 |
| Average total loans | $59,807,800 | 3,714 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8053% | 4,559 |
| Cost of funding earning assets | 0.0839% | 4,514 |
| Net interest margin | 2.7214% | 3,852 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.7946% | 3,986 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6931% | 3,339 |
| Return on assets (ROA) | 0.6841% | 3,344 |
| Pretax return on assets | 0.8526% | 3,207 |
| Return on Equity (ROE) | 20.0200% | 723 |
| Retained earnings to average equity (ytd only) | 17.5073% | 364 |
| Net charge-offs to loans | 0.0336% | 1,413 |
| Credit loss provision to net charge-offs | 93.3333% | 1,677 |
| Earnings coverage of net charge-offs (x) | 67.9333% | 1,131 |
| Efficiency ratio | 67.2031% | 2,113 |
| Assets per employee ($millions) | 4.7419% | 3,776 |
| Cash dividends to net income (ytd only)* | 12.5628% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 4,208 |
| Loan loss allowance to noncurrent loans | 4,288.8889% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,803 |
| Noncurrent loans to loans | 0.0150% | 3,685 |
| Net loans and leases to total assets | 40.5500% | 4,031 |
| Net loans and leases to deposits | 42.6686% | 4,142 |
| Net loans and leases to core deposits | 42.6686% | 4,201 |
| Total domestic deposits to total assets | 95.0200% | 122 |
| Equity capital to assets | 3.4728% | 4,459 |
| Core capital (leverage) ratio | 7.7610% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1846% | 613 |
| Memoranda: | ||
| Average total assets | $155,132,500 | 3,328 |
| Average earning assets | $146,194,750 | 3,294 |
| Average equity | $5,300,500 | 4,245 |
| Average total loans | $59,511,250 | 3,723 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8024% | 4,584 |
| Cost of funding earning assets | 0.0523% | 4,548 |
| Net interest margin | 2.7501% | 3,904 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.7593% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7592% | 3,196 |
| Return on assets (ROA) | 0.7460% | 3,249 |
| Pretax return on assets | 0.9310% | 3,097 |
| Return on Equity (ROE) | 21.7200% | 562 |
| Retained earnings to average equity (ytd only) | 21.7250% | 195 |
| Net charge-offs to loans | 0.0505% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 49.8667% | 1,290 |
| Efficiency ratio | 64.9977% | 2,378 |
| Assets per employee ($millions) | 4.9740% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 4,274 |
| Loan loss allowance to noncurrent loans | 2,188.2353% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,733 |
| Noncurrent loans to loans | 0.0284% | 3,554 |
| Net loans and leases to total assets | 39.8800% | 4,045 |
| Net loans and leases to deposits | 41.4533% | 4,175 |
| Net loans and leases to core deposits | 41.4533% | 4,231 |
| Total domestic deposits to total assets | 96.2000% | 55 |
| Equity capital to assets | 3.6811% | 4,530 |
| Core capital (leverage) ratio | 7.3795% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1000% | 628 |
| Memoranda: | ||
| Average total assets | $157,900,000 | 3,315 |
| Average earning assets | $149,085,667 | 3,278 |
| Average equity | $5,422,333 | 4,254 |
| Average total loans | $59,352,333 | 3,732 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7045% | 4,617 |
| Cost of funding earning assets | 0.0495% | 4,579 |
| Net interest margin | 2.6550% | 4,141 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.7258% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7027% | 3,458 |
| Return on assets (ROA) | 0.7027% | 3,410 |
| Pretax return on assets | 0.9122% | 3,205 |
| Return on Equity (ROE) | 21.1600% | 649 |
| Retained earnings to average equity (ytd only) | 21.1621% | 314 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4206% | 2,281 |
| Assets per employee ($millions) | 5.5083% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2906% | 4,541 |
| Loan loss allowance to noncurrent loans | 747.8261% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,708 |
| Noncurrent loans to loans | 0.0389% | 3,466 |
| Net loans and leases to total assets | 36.9500% | 4,156 |
| Net loans and leases to deposits | 38.5186% | 4,266 |
| Net loans and leases to core deposits | 38.5186% | 4,309 |
| Total domestic deposits to total assets | 95.9200% | 55 |
| Equity capital to assets | 3.8606% | 4,551 |
| Core capital (leverage) ratio | 7.1525% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5260% | 697 |
| Memoranda: | ||
| Average total assets | $162,239,500 | 3,318 |
| Average earning assets | $153,523,000 | 3,285 |
| Average equity | $5,387,000 | 4,316 |
| Average total loans | $59,089,000 | 3,771 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4725% | 4,513 |
| Cost of funding earning assets | 0.0576% | 4,556 |
| Net interest margin | 2.4149% | 4,352 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.6889% | 4,200 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5652% | 3,956 |
| Return on assets (ROA) | 0.5652% | 3,922 |
| Pretax return on assets | 0.6845% | 3,878 |
| Return on Equity (ROE) | 14.6500% | 1,352 |
| Retained earnings to average equity (ytd only) | 14.6524% | 320 |
| Net charge-offs to loans | -0.0018% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.3493% | 1,638 |
| Assets per employee ($millions) | 5.6807% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 3,997 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 35.5100% | 4,234 |
| Net loans and leases to deposits | 36.6243% | 4,326 |
| Net loans and leases to core deposits | 36.6243% | 4,364 |
| Total domestic deposits to total assets | 96.9600% | 51 |
| Equity capital to assets | 2.7965% | 4,617 |
| Core capital (leverage) ratio | 6.5255% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1703% | 699 |
| Memoranda: | ||
| Average total assets | $160,993,000 | 3,335 |
| Average earning assets | $152,758,200 | 3,301 |
| Average equity | $6,210,600 | 4,305 |
| Average total loans | $55,522,200 | 3,818 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3506% | 4,520 |
| Cost of funding earning assets | 0.0579% | 4,539 |
| Net interest margin | 2.2928% | 4,409 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.6652% | 4,211 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4865% | 4,104 |
| Return on assets (ROA) | 0.4865% | 4,051 |
| Pretax return on assets | 0.5973% | 3,997 |
| Return on Equity (ROE) | 11.7800% | 2,108 |
| Retained earnings to average equity (ytd only) | 11.7772% | 843 |
| Net charge-offs to loans | -0.0024% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.5063% | 1,442 |
| Assets per employee ($millions) | 5.7108% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 3,999 |
| Loan loss allowance to noncurrent loans | 4,345.4545% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,939 |
| Noncurrent loans to loans | 0.0194% | 3,780 |
| Net loans and leases to total assets | 33.8600% | 4,308 |
| Net loans and leases to deposits | 34.8063% | 4,399 |
| Net loans and leases to core deposits | 34.8063% | 4,424 |
| Total domestic deposits to total assets | 97.2900% | 71 |
| Equity capital to assets | 2.5620% | 4,624 |
| Core capital (leverage) ratio | 6.4200% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0342% | 727 |
| Memoranda: | ||
| Average total assets | $160,056,500 | 3,366 |
| Average earning assets | $152,011,250 | 3,329 |
| Average equity | $6,611,500 | 4,302 |
| Average total loans | $54,656,750 | 3,846 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2346% | 4,551 |
| Cost of funding earning assets | 0.0572% | 4,549 |
| Net interest margin | 2.1774% | 4,466 |
| Noninterest income to average assets | 0.1289% | 4,357 |
| Noninterest expense to average assets | 1.6359% | 4,245 |
| Loan and lease loss provision to assets | 0.0265% | 2,118 |
| Net operating income to assets | 0.4425% | 4,020 |
| Return on assets (ROA) | 0.4425% | 3,973 |
| Pretax return on assets | 0.5360% | 3,948 |
| Return on Equity (ROE) | 9.4582% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.4582% | 1,151 |
| Net charge-offs to loans | -0.0037% | 3,257 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4106% | 1,465 |
| Assets per employee ($millions) | 5.5119% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.8248% | 4,295 |
| Net loans and leases to deposits | 36.0330% | 4,389 |
| Net loans and leases to core deposits | 36.0917% | 4,432 |
| Total domestic deposits to total assets | 96.6468% | 62 |
| Equity capital to assets | 3.2275% | 4,680 |
| Core capital (leverage) ratio | 6.4656% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4180% | 794 |
| Memoranda: | ||
| Average total assets | $158,204,333 | 3,423 |
| Average earning assets | $150,364,333 | 3,394 |
| Average equity | $7,401,000 | 4,265 |
| Average total loans | $54,022,000 | 3,890 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1597% | 4,548 |
| Cost of funding earning assets | 0.0587% | 4,532 |
| Net interest margin | 2.1010% | 4,447 |
| Noninterest income to average assets | 0.1805% | 4,083 |
| Noninterest expense to average assets | 1.7232% | 4,103 |
| Loan and lease loss provision to assets | 0.0152% | 2,075 |
| Net operating income to assets | 0.3634% | 4,033 |
| Return on assets (ROA) | 0.3634% | 3,997 |
| Pretax return on assets | 0.4448% | 3,959 |
| Return on Equity (ROE) | 6.7120% | 3,124 |
| Retained earnings to average equity (ytd only) | 6.7120% | 1,990 |
| Net charge-offs to loans | -0.0076% | 3,489 |
| Credit loss provision to net charge-offs | -600.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9290% | 1,232 |
| Assets per employee ($millions) | 5.4220% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 34.0100% | 4,306 |
| Net loans and leases to deposits | 35.6466% | 4,397 |
| Net loans and leases to core deposits | 35.6466% | 4,437 |
| Total domestic deposits to total assets | 95.4089% | 21 |
| Equity capital to assets | 4.4563% | 4,756 |
| Core capital (leverage) ratio | 6.6477% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8016% | 785 |
| Memoranda: | ||
| Average total assets | $157,383,500 | 3,445 |
| Average earning assets | $150,022,000 | 3,408 |
| Average equity | $8,522,000 | 4,209 |
| Average total loans | $52,971,000 | 3,923 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2117% | 4,618 |
| Cost of funding earning assets | 0.0582% | 4,651 |
| Net interest margin | 2.1535% | 4,513 |
| Noninterest income to average assets | 0.1488% | 4,404 |
| Noninterest expense to average assets | 1.7779% | 4,177 |
| Loan and lease loss provision to assets | 0.0099% | 2,884 |
| Net operating income to assets | 0.3407% | 4,370 |
| Return on assets (ROA) | 0.3863% | 4,327 |
| Pretax return on assets | 0.4716% | 4,293 |
| Return on Equity (ROE) | 5.5400% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.5400% | 2,545 |
| Net charge-offs to loans | 0.0059% | 2,369 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 214.6667% | 515 |
| Efficiency ratio | 80.6723% | 768 |
| Assets per employee ($millions) | 5.4320% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,198 |
| Loan loss allowance to noncurrent loans | 318.9781% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,330 |
| Noncurrent loans to loans | 0.2634% | 2,664 |
| Net loans and leases to total assets | 32.7466% | 4,420 |
| Net loans and leases to deposits | 35.0296% | 4,504 |
| Net loans and leases to core deposits | 35.0897% | 4,533 |
| Total domestic deposits to total assets | 93.4824% | 23 |
| Equity capital to assets | 6.3716% | 4,800 |
| Core capital (leverage) ratio | 6.7249% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4536% | 705 |
| Memoranda: | ||
| Average total assets | $151,192,400 | 3,472 |
| Average earning assets | $144,275,400 | 3,429 |
| Average equity | $10,541,600 | 4,081 |
| Average total loans | $50,676,600 | 3,985 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2254% | 4,705 |
| Cost of funding earning assets | 0.0570% | 4,747 |
| Net interest margin | 2.1684% | 4,588 |
| Noninterest income to average assets | 0.1631% | 4,386 |
| Noninterest expense to average assets | 1.7548% | 4,252 |
| Loan and lease loss provision to assets | 0.0047% | 2,884 |
| Net operating income to assets | 0.3841% | 4,394 |
| Return on assets (ROA) | 0.4447% | 4,340 |
| Pretax return on assets | 0.5463% | 4,307 |
| Return on Equity (ROE) | 6.2367% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.2367% | 2,728 |
| Net charge-offs to loans | -0.0026% | 3,270 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6656% | 829 |
| Assets per employee ($millions) | 4.9263% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,205 |
| Loan loss allowance to noncurrent loans | 2,155.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,134 |
| Noncurrent loans to loans | 0.0408% | 3,919 |
| Net loans and leases to total assets | 31.8045% | 4,546 |
| Net loans and leases to deposits | 34.2455% | 4,618 |
| Net loans and leases to core deposits | 34.3062% | 4,647 |
| Total domestic deposits to total assets | 92.8723% | 39 |
| Equity capital to assets | 6.9614% | 4,813 |
| Core capital (leverage) ratio | 6.7977% | 4,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1149% | 683 |
| Memoranda: | ||
| Average total assets | $149,608,500 | 3,520 |
| Average earning assets | $142,652,000 | 3,483 |
| Average equity | $10,667,750 | 4,123 |
| Average total loans | $50,340,250 | 4,045 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2284% | 4,749 |
| Cost of funding earning assets | 0.0565% | 4,797 |
| Net interest margin | 2.1719% | 4,616 |
| Noninterest income to average assets | 0.1992% | 4,204 |
| Noninterest expense to average assets | 1.7446% | 4,293 |
| Loan and lease loss provision to assets | 0.0013% | 2,845 |
| Net operating income to assets | 0.4248% | 4,335 |
| Return on assets (ROA) | 0.4281% | 4,375 |
| Pretax return on assets | 0.5263% | 4,339 |
| Return on Equity (ROE) | 5.9551% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.9551% | 2,821 |
| Net charge-offs to loans | -0.0039% | 3,356 |
| Credit loss provision to net charge-offs | -100.0000% | 3,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9139% | 998 |
| Assets per employee ($millions) | 5.2518% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 4,263 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,202 |
| Noncurrent loans to loans | 0.0423% | 3,980 |
| Net loans and leases to total assets | 32.2870% | 4,580 |
| Net loans and leases to deposits | 34.7662% | 4,661 |
| Net loans and leases to core deposits | 34.7662% | 4,698 |
| Total domestic deposits to total assets | 92.8688% | 39 |
| Equity capital to assets | 6.9559% | 4,853 |
| Core capital (leverage) ratio | 6.7379% | 4,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2303% | 675 |
| Memoranda: | ||
| Average total assets | $148,573,333 | 3,541 |
| Average earning assets | $141,535,000 | 3,498 |
| Average equity | $10,680,000 | 4,136 |
| Average total loans | $50,786,667 | 4,065 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2465% | 4,778 |
| Cost of funding earning assets | 0.0544% | 4,852 |
| Net interest margin | 2.1921% | 4,616 |
| Noninterest income to average assets | 0.1772% | 4,310 |
| Noninterest expense to average assets | 1.6959% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4253% | 4,321 |
| Return on assets (ROA) | 0.4253% | 4,348 |
| Pretax return on assets | 0.5698% | 4,242 |
| Return on Equity (ROE) | 5.8193% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.8193% | 2,954 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8496% | 1,235 |
| Assets per employee ($millions) | 5.1143% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 4,304 |
| Loan loss allowance to noncurrent loans | 1,214.2857% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,198 |
| Noncurrent loans to loans | 0.0697% | 3,941 |
| Net loans and leases to total assets | 33.5718% | 4,590 |
| Net loans and leases to deposits | 36.1811% | 4,671 |
| Net loans and leases to core deposits | 36.1811% | 4,716 |
| Total domestic deposits to total assets | 92.7883% | 47 |
| Equity capital to assets | 7.0337% | 4,837 |
| Core capital (leverage) ratio | 6.9848% | 4,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3716% | 745 |
| Memoranda: | ||
| Average total assets | $146,708,500 | 3,557 |
| Average earning assets | $139,775,500 | 3,517 |
| Average equity | $10,723,000 | 4,145 |
| Average total loans | $51,379,500 | 4,063 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5722% | 4,831 |
| Cost of funding earning assets | 0.0572% | 4,930 |
| Net interest margin | 2.5149% | 4,572 |
| Noninterest income to average assets | 0.1402% | 4,594 |
| Noninterest expense to average assets | 1.8384% | 4,409 |
| Loan and lease loss provision to assets | 0.0085% | 4,250 |
| Net operating income to assets | 0.5684% | 3,851 |
| Return on assets (ROA) | 0.5784% | 3,924 |
| Pretax return on assets | 0.7008% | 3,880 |
| Return on Equity (ROE) | 7.6712% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.9013% | 2,315 |
| Net charge-offs to loans | -0.0019% | 3,979 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5014% | 1,626 |
| Assets per employee ($millions) | 5.1822% | 3,187 |
| Cash dividends to net income (ytd only)* | 36.1077% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 4,408 |
| Loan loss allowance to noncurrent loans | 248.5380% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 3,702 |
| Noncurrent loans to loans | 0.3255% | 3,038 |
| Net loans and leases to total assets | 35.9175% | 4,592 |
| Net loans and leases to deposits | 39.0162% | 4,681 |
| Net loans and leases to core deposits | 39.0162% | 4,721 |
| Total domestic deposits to total assets | 92.0580% | 65 |
| Equity capital to assets | 7.5905% | 4,823 |
| Core capital (leverage) ratio | 6.9543% | 4,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8912% | 1,074 |
| Memoranda: | ||
| Average total assets | $141,262,200 | 3,494 |
| Average earning assets | $134,556,000 | 3,451 |
| Average equity | $10,650,200 | 4,133 |
| Average total loans | $52,936,400 | 4,047 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6222% | 4,879 |
| Cost of funding earning assets | 0.0579% | 4,978 |
| Net interest margin | 2.5643% | 4,607 |
| Noninterest income to average assets | 0.1749% | 4,416 |
| Noninterest expense to average assets | 1.8464% | 4,413 |
| Loan and lease loss provision to assets | 0.0114% | 4,162 |
| Net operating income to assets | 0.6187% | 3,719 |
| Return on assets (ROA) | 0.6272% | 3,797 |
| Pretax return on assets | 0.7697% | 3,729 |
| Return on Equity (ROE) | 8.3337% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.4751% | 1,504 |
| Net charge-offs to loans | -0.0025% | 3,915 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5519% | 1,813 |
| Assets per employee ($millions) | 4.8278% | 3,454 |
| Cash dividends to net income (ytd only)* | 10.3030% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 4,348 |
| Loan loss allowance to noncurrent loans | 1,214.2857% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,345 |
| Noncurrent loans to loans | 0.0665% | 4,104 |
| Net loans and leases to total assets | 36.0592% | 4,682 |
| Net loans and leases to deposits | 39.2164% | 4,774 |
| Net loans and leases to core deposits | 39.2164% | 4,799 |
| Total domestic deposits to total assets | 91.9494% | 58 |
| Equity capital to assets | 7.7019% | 4,805 |
| Core capital (leverage) ratio | 6.9414% | 4,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7434% | 421 |
| Memoranda: | ||
| Average total assets | $140,302,250 | 3,494 |
| Average earning assets | $133,624,250 | 3,452 |
| Average equity | $10,559,250 | 4,144 |
| Average total loans | $53,035,000 | 4,064 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6930% | 4,939 |
| Cost of funding earning assets | 0.0575% | 5,016 |
| Net interest margin | 2.6355% | 4,623 |
| Noninterest income to average assets | 0.1095% | 4,744 |
| Noninterest expense to average assets | 1.8920% | 4,430 |
| Loan and lease loss provision to assets | 0.0072% | 4,098 |
| Net operating income to assets | 0.6148% | 3,687 |
| Return on assets (ROA) | 0.6283% | 3,729 |
| Pretax return on assets | 0.7364% | 3,779 |
| Return on Equity (ROE) | 8.4164% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.4164% | 1,189 |
| Net charge-offs to loans | -0.0038% | 3,928 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2222% | 1,649 |
| Assets per employee ($millions) | 4.9922% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,365 |
| Loan loss allowance to noncurrent loans | 1,161.1111% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,431 |
| Noncurrent loans to loans | 0.0679% | 4,191 |
| Net loans and leases to total assets | 36.3129% | 4,717 |
| Net loans and leases to deposits | 39.4149% | 4,809 |
| Net loans and leases to core deposits | 39.4149% | 4,834 |
| Total domestic deposits to total assets | 92.1299% | 44 |
| Equity capital to assets | 7.5400% | 4,865 |
| Core capital (leverage) ratio | 6.8673% | 5,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0098% | 448 |
| Memoranda: | ||
| Average total assets | $138,791,667 | 3,493 |
| Average earning assets | $132,196,667 | 3,445 |
| Average equity | $10,360,667 | 4,178 |
| Average total loans | $53,163,000 | 4,076 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8814% | 4,984 |
| Cost of funding earning assets | 0.0587% | 5,074 |
| Net interest margin | 2.8226% | 4,547 |
| Noninterest income to average assets | 0.1296% | 4,721 |
| Noninterest expense to average assets | 1.9764% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6657% | 3,385 |
| Return on assets (ROA) | 0.6657% | 3,454 |
| Pretax return on assets | 0.8424% | 3,302 |
| Return on Equity (ROE) | 8.9656% | 2,123 |
| Retained earnings to average equity (ytd only) | 8.9656% | 983 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1149% | 2,335 |
| Assets per employee ($millions) | 4.7082% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 4,436 |
| Loan loss allowance to noncurrent loans | 1,144.4444% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,490 |
| Noncurrent loans to loans | 0.0691% | 4,253 |
| Net loans and leases to total assets | 37.8557% | 4,729 |
| Net loans and leases to deposits | 41.2460% | 4,814 |
| Net loans and leases to core deposits | 41.2460% | 4,856 |
| Total domestic deposits to total assets | 91.7803% | 51 |
| Equity capital to assets | 7.7942% | 5,002 |
| Core capital (leverage) ratio | 7.1795% | 5,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4729% | 599 |
| Memoranda: | ||
| Average total assets | $135,800,000 | 3,504 |
| Average earning assets | $129,383,000 | 3,452 |
| Average equity | $10,083,000 | 4,232 |
| Average total loans | $53,249,500 | 4,086 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0100% | 5,048 |
| Cost of funding earning assets | 0.0612% | 5,138 |
| Net interest margin | 2.9488% | 4,581 |
| Noninterest income to average assets | 0.1256% | 4,833 |
| Noninterest expense to average assets | 1.9298% | 4,631 |
| Loan and lease loss provision to assets | 0.0333% | 3,348 |
| Net operating income to assets | 0.8065% | 3,534 |
| Return on assets (ROA) | 0.8241% | 3,567 |
| Pretax return on assets | 0.9993% | 3,464 |
| Return on Equity (ROE) | 12.3801% | 1,372 |
| Retained earnings to average equity (ytd only) | 7.8389% | 1,028 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6195% | 2,827 |
| Assets per employee ($millions) | 4.6573% | 3,011 |
| Cash dividends to net income (ytd only)* | 36.6816% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 4,425 |
| Loan loss allowance to noncurrent loans | 528.2051% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 4,334 |
| Noncurrent loans to loans | 0.1434% | 3,955 |
| Net loans and leases to total assets | 39.9725% | 4,732 |
| Net loans and leases to deposits | 43.1379% | 4,844 |
| Net loans and leases to core deposits | 43.1379% | 4,891 |
| Total domestic deposits to total assets | 92.6619% | 19 |
| Equity capital to assets | 7.0515% | 5,138 |
| Core capital (leverage) ratio | 6.6846% | 5,153 |
| Tier 1 risk-based capital ratio | 17.4941% | 1,894 |
| Total risk-based capital ratio | 18.2671% | 1,989 |
| Memoranda: | ||
| Average total assets | $135,301,000 | 3,501 |
| Average earning assets | $129,171,400 | 3,438 |
| Average equity | $9,006,400 | 4,372 |
| Average total loans | $50,602,000 | 4,165 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 5,153 |
| Cost of funding earning assets | 0.0598% | 5,214 |
| Net interest margin | 2.9346% | 4,716 |
| Noninterest income to average assets | 0.1281% | 4,888 |
| Noninterest expense to average assets | 1.9690% | 4,608 |
| Loan and lease loss provision to assets | 0.0059% | 3,759 |
| Net operating income to assets | 0.7842% | 3,722 |
| Return on assets (ROA) | 0.7850% | 3,786 |
| Pretax return on assets | 0.9564% | 3,720 |
| Return on Equity (ROE) | 11.9707% | 1,631 |
| Retained earnings to average equity (ytd only) | 10.5138% | 624 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1933% | 2,551 |
| Assets per employee ($millions) | 5.2277% | 2,309 |
| Cash dividends to net income (ytd only)* | 12.1706% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 4,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 36.2418% | 4,933 |
| Net loans and leases to deposits | 38.9937% | 5,019 |
| Net loans and leases to core deposits | 38.9937% | 5,048 |
| Total domestic deposits to total assets | 92.9429% | 10 |
| Equity capital to assets | 6.8042% | 5,229 |
| Core capital (leverage) ratio | 6.7603% | 5,230 |
| Tier 1 risk-based capital ratio | 19.1271% | 1,535 |
| Total risk-based capital ratio | 19.8908% | 1,616 |
| Memoranda: | ||
| Average total assets | $135,360,500 | 3,537 |
| Average earning assets | $129,258,750 | 3,471 |
| Average equity | $8,877,000 | 4,438 |
| Average total loans | $49,652,500 | 4,242 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 5,214 |
| Cost of funding earning assets | 0.0597% | 5,262 |
| Net interest margin | 2.9231% | 4,799 |
| Noninterest income to average assets | 0.1334% | 4,905 |
| Noninterest expense to average assets | 1.9815% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7764% | 3,728 |
| Return on assets (ROA) | 0.7764% | 3,793 |
| Pretax return on assets | 0.9413% | 3,736 |
| Return on Equity (ROE) | 11.9981% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.9981% | 406 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7949% | 2,572 |
| Assets per employee ($millions) | 4.8595% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7401% | 4,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 36.1722% | 4,970 |
| Net loans and leases to deposits | 38.9186% | 5,066 |
| Net loans and leases to core deposits | 38.9186% | 5,095 |
| Total domestic deposits to total assets | 92.9431% | 13 |
| Equity capital to assets | 6.8599% | 5,273 |
| Core capital (leverage) ratio | 6.6708% | 5,272 |
| Tier 1 risk-based capital ratio | 19.5347% | 1,429 |
| Total risk-based capital ratio | 20.3195% | 1,499 |
| Memoranda: | ||
| Average total assets | $133,431,000 | 3,577 |
| Average earning assets | $127,329,330 | 3,515 |
| Average equity | $8,634,670 | 4,495 |
| Average total loans | $49,027,670 | 4,283 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9400% | 5,287 |
| Cost of funding earning assets | 0.0603% | 5,322 |
| Net interest margin | 2.8796% | 4,902 |
| Noninterest income to average assets | 0.1514% | 4,837 |
| Noninterest expense to average assets | 1.9498% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8023% | 3,611 |
| Return on assets (ROA) | 0.8023% | 3,654 |
| Pretax return on assets | 0.9477% | 3,618 |
| Return on Equity (ROE) | 12.7942% | 1,286 |
| Retained earnings to average equity (ytd only) | 12.7459% | 504 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2936% | 2,743 |
| Assets per employee ($millions) | 4.5328% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.3774% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 4,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 35.4522% | 5,032 |
| Net loans and leases to deposits | 37.8820% | 5,115 |
| Net loans and leases to core deposits | 37.8820% | 5,142 |
| Total domestic deposits to total assets | 93.5860% | 13 |
| Equity capital to assets | 6.3133% | 5,338 |
| Core capital (leverage) ratio | 6.8319% | 5,324 |
| Tier 1 risk-based capital ratio | 18.6457% | 1,620 |
| Total risk-based capital ratio | 19.4189% | 1,702 |
| Memoranda: | ||
| Average total assets | $132,113,500 | 3,632 |
| Average earning assets | $125,988,500 | 3,573 |
| Average equity | $8,285,000 | 4,576 |
| Average total loans | $48,749,000 | 4,329 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9452% | 5,251 |
| Cost of funding earning assets | 0.0643% | 5,349 |
| Net interest margin | 2.8809% | 4,942 |
| Noninterest income to average assets | 0.1475% | 4,975 |
| Noninterest expense to average assets | 2.0033% | 4,744 |
| Loan and lease loss provision to assets | 0.0733% | 2,668 |
| Net operating income to assets | 0.6835% | 4,189 |
| Return on assets (ROA) | 0.6835% | 4,192 |
| Pretax return on assets | 0.8098% | 4,144 |
| Return on Equity (ROE) | 10.8303% | 2,155 |
| Retained earnings to average equity (ytd only) | 6.0541% | 2,167 |
| Net charge-offs to loans | 0.0021% | 3,671 |
| Credit loss provision to net charge-offs | 9,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,084.0000% | 100 |
| Efficiency ratio | 69.4045% | 2,305 |
| Assets per employee ($millions) | 4.2748% | 3,500 |
| Cash dividends to net income (ytd only)* | 44.1001% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.8606% | 5,021 |
| Net loans and leases to deposits | 40.4580% | 5,113 |
| Net loans and leases to core deposits | 40.4580% | 5,155 |
| Total domestic deposits to total assets | 93.5802% | 20 |
| Equity capital to assets | 6.2264% | 5,373 |
| Core capital (leverage) ratio | 6.7288% | 5,365 |
| Tier 1 risk-based capital ratio | 21.4843% | 1,097 |
| Total risk-based capital ratio | 22.3992% | 1,121 |
| Memoranda: | ||
| Average total assets | $122,747,800 | 3,748 |
| Average earning assets | $116,700,200 | 3,708 |
| Average equity | $7,746,800 | 4,640 |
| Average total loans | $48,105,600 | 4,353 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9206% | 5,319 |
| Cost of funding earning assets | 0.0647% | 5,413 |
| Net interest margin | 2.8559% | 5,028 |
| Noninterest income to average assets | 0.1494% | 5,027 |
| Noninterest expense to average assets | 1.9619% | 4,808 |
| Loan and lease loss provision to assets | 0.0330% | 3,357 |
| Net operating income to assets | 0.7283% | 4,143 |
| Return on assets (ROA) | 0.7283% | 4,152 |
| Pretax return on assets | 0.8678% | 4,123 |
| Return on Equity (ROE) | 11.4993% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.9383% | 942 |
| Net charge-offs to loans | 0.0028% | 3,378 |
| Credit loss provision to net charge-offs | 3,000.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 822.0376% | 104 |
| Efficiency ratio | 68.5342% | 2,435 |
| Assets per employee ($millions) | 4.2921% | 3,434 |
| Cash dividends to net income (ytd only)* | 13.5750% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 4,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.8184% | 5,056 |
| Net loans and leases to deposits | 41.4604% | 5,170 |
| Net loans and leases to core deposits | 41.4604% | 5,212 |
| Total domestic deposits to total assets | 93.6275% | 19 |
| Equity capital to assets | 6.2199% | 5,443 |
| Core capital (leverage) ratio | 6.8184% | 5,436 |
| Tier 1 risk-based capital ratio | 18.1633% | 1,754 |
| Total risk-based capital ratio | 18.8026% | 1,873 |
| Memoranda: | ||
| Average total assets | $121,373,750 | 3,805 |
| Average earning assets | $115,314,250 | 3,763 |
| Average equity | $7,687,250 | 4,697 |
| Average total loans | $47,901,750 | 4,403 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8578% | 5,390 |
| Cost of funding earning assets | 0.0630% | 5,469 |
| Net interest margin | 2.7949% | 5,126 |
| Noninterest income to average assets | 0.1629% | 5,010 |
| Noninterest expense to average assets | 1.9561% | 4,868 |
| Loan and lease loss provision to assets | 0.0499% | 2,918 |
| Net operating income to assets | 0.6880% | 4,228 |
| Return on assets (ROA) | 0.6880% | 4,231 |
| Pretax return on assets | 0.8127% | 4,209 |
| Return on Equity (ROE) | 10.7967% | 2,195 |
| Retained earnings to average equity (ytd only) | 10.7967% | 710 |
| Net charge-offs to loans | -0.0126% | 4,393 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3986% | 2,410 |
| Assets per employee ($millions) | 4.1446% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 5,023 |
| Loan loss allowance to noncurrent loans | 3,887.5000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,015 |
| Noncurrent loans to loans | 0.0169% | 4,869 |
| Net loans and leases to total assets | 37.9297% | 5,125 |
| Net loans and leases to deposits | 40.4812% | 5,235 |
| Net loans and leases to core deposits | 40.4812% | 5,271 |
| Total domestic deposits to total assets | 93.6970% | 21 |
| Equity capital to assets | 6.2008% | 5,500 |
| Core capital (leverage) ratio | 6.8996% | 5,489 |
| Tier 1 risk-based capital ratio | 21.1940% | 1,142 |
| Total risk-based capital ratio | 21.9637% | 1,193 |
| Memoranda: | ||
| Average total assets | $120,341,000 | 3,855 |
| Average earning assets | $114,352,000 | 3,803 |
| Average equity | $7,669,000 | 4,754 |
| Average total loans | $47,660,670 | 4,448 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8504% | 5,434 |
| Cost of funding earning assets | 0.0641% | 5,524 |
| Net interest margin | 2.7864% | 5,169 |
| Noninterest income to average assets | 0.1893% | 4,890 |
| Noninterest expense to average assets | 1.9266% | 4,981 |
| Loan and lease loss provision to assets | 0.0372% | 3,005 |
| Net operating income to assets | 0.7470% | 3,916 |
| Return on assets (ROA) | 0.7470% | 3,918 |
| Pretax return on assets | 0.8720% | 3,939 |
| Return on Equity (ROE) | 11.5578% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.5578% | 778 |
| Net charge-offs to loans | -0.0168% | 4,466 |
| Credit loss provision to net charge-offs | -550.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9380% | 2,838 |
| Assets per employee ($millions) | 4.0984% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6128% | 5,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 39.7106% | 5,082 |
| Net loans and leases to deposits | 42.5123% | 5,202 |
| Net loans and leases to core deposits | 42.5123% | 5,253 |
| Total domestic deposits to total assets | 93.4096% | 29 |
| Equity capital to assets | 6.3918% | 5,549 |
| Core capital (leverage) ratio | 7.0045% | 5,546 |
| Tier 1 risk-based capital ratio | 18.5649% | 1,672 |
| Total risk-based capital ratio | 19.2104% | 1,794 |
| Memoranda: | ||
| Average total assets | $118,342,500 | 3,927 |
| Average earning assets | $112,403,500 | 3,879 |
| Average equity | $7,648,500 | 4,803 |
| Average total loans | $47,755,000 | 4,491 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7216% | 5,489 |
| Cost of funding earning assets | 0.0670% | 5,581 |
| Net interest margin | 2.6546% | 5,313 |
| Noninterest income to average assets | 0.1640% | 5,139 |
| Noninterest expense to average assets | 1.9568% | 5,033 |
| Loan and lease loss provision to assets | 0.0218% | 3,865 |
| Net operating income to assets | 0.4798% | 4,427 |
| Return on assets (ROA) | 0.4798% | 4,466 |
| Pretax return on assets | 0.7093% | 4,484 |
| Return on Equity (ROE) | 7.0261% | 3,263 |
| Retained earnings to average equity (ytd only) | 4.4711% | 2,466 |
| Net charge-offs to loans | 0.0153% | 3,580 |
| Credit loss provision to net charge-offs | 357.1429% | 827 |
| Earnings coverage of net charge-offs (x) | 119.7143% | 564 |
| Efficiency ratio | 72.8010% | 2,101 |
| Assets per employee ($millions) | 3.8010% | 4,282 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 5,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.5185% | 5,115 |
| Net loans and leases to deposits | 43.4691% | 5,261 |
| Net loans and leases to core deposits | 43.4691% | 5,309 |
| Total domestic deposits to total assets | 93.2123% | 29 |
| Equity capital to assets | 6.5348% | 5,611 |
| Core capital (leverage) ratio | 6.8443% | 5,609 |
| Tier 1 risk-based capital ratio | 17.7368% | 1,881 |
| Total risk-based capital ratio | 18.3419% | 2,018 |
| Memoranda: | ||
| Average total assets | $114,625,200 | 3,984 |
| Average earning assets | $108,981,000 | 3,939 |
| Average equity | $7,828,000 | 4,810 |
| Average total loans | $45,696,200 | 4,574 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6697% | 5,572 |
| Cost of funding earning assets | 0.0678% | 5,643 |
| Net interest margin | 2.6019% | 5,404 |
| Noninterest income to average assets | 0.1722% | 5,156 |
| Noninterest expense to average assets | 1.9187% | 5,111 |
| Loan and lease loss provision to assets | 0.0176% | 3,795 |
| Net operating income to assets | 0.5400% | 4,614 |
| Return on assets (ROA) | 0.5400% | 4,647 |
| Pretax return on assets | 0.7087% | 4,588 |
| Return on Equity (ROE) | 7.8200% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.8200% | 1,293 |
| Net charge-offs to loans | -0.0059% | 4,494 |
| Credit loss provision to net charge-offs | -750.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5421% | 2,130 |
| Assets per employee ($millions) | 4.1278% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 5,347 |
| Loan loss allowance to noncurrent loans | 1,385.0000% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,172 |
| Noncurrent loans to loans | 0.0425% | 4,922 |
| Net loans and leases to total assets | 39.1092% | 5,227 |
| Net loans and leases to deposits | 42.0157% | 5,366 |
| Net loans and leases to core deposits | 42.0157% | 5,418 |
| Total domestic deposits to total assets | 93.0822% | 23 |
| Equity capital to assets | 6.7883% | 5,676 |
| Core capital (leverage) ratio | 6.9940% | 5,671 |
| Tier 1 risk-based capital ratio | 17.9790% | 1,857 |
| Total risk-based capital ratio | 18.5873% | 2,007 |
| Memoranda: | ||
| Average total assets | $113,824,000 | 4,040 |
| Average earning assets | $108,176,000 | 3,993 |
| Average equity | $7,860,000 | 4,853 |
| Average total loans | $45,115,000 | 4,633 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6370% | 5,615 |
| Cost of funding earning assets | 0.0696% | 5,683 |
| Net interest margin | 2.5674% | 5,458 |
| Noninterest income to average assets | 0.1877% | 5,110 |
| Noninterest expense to average assets | 1.9345% | 5,112 |
| Loan and lease loss provision to assets | 0.0197% | 3,582 |
| Net operating income to assets | 0.5221% | 4,644 |
| Return on assets (ROA) | 0.5221% | 4,677 |
| Pretax return on assets | 0.6722% | 4,620 |
| Return on Equity (ROE) | 7.5148% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.5148% | 1,345 |
| Net charge-offs to loans | -0.0045% | 4,315 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6555% | 2,077 |
| Assets per employee ($millions) | 3.5756% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 5,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 39.4361% | 5,243 |
| Net loans and leases to deposits | 42.4678% | 5,382 |
| Net loans and leases to core deposits | 42.4678% | 5,439 |
| Total domestic deposits to total assets | 92.8613% | 31 |
| Equity capital to assets | 7.0050% | 5,707 |
| Core capital (leverage) ratio | 6.9712% | 5,714 |
| Tier 1 risk-based capital ratio | 18.2155% | 1,793 |
| Total risk-based capital ratio | 18.8335% | 1,935 |
| Memoranda: | ||
| Average total assets | $111,863,330 | 4,100 |
| Average earning assets | $106,256,330 | 4,042 |
| Average equity | $7,771,330 | 4,893 |
| Average total loans | $44,455,670 | 4,678 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5894% | 5,687 |
| Cost of funding earning assets | 0.0685% | 5,748 |
| Net interest margin | 2.5208% | 5,532 |
| Noninterest income to average assets | 0.2279% | 4,908 |
| Noninterest expense to average assets | 1.9388% | 5,168 |
| Loan and lease loss provision to assets | 0.0145% | 3,378 |
| Net operating income to assets | 0.5317% | 4,456 |
| Return on assets (ROA) | 0.5317% | 4,498 |
| Pretax return on assets | 0.6692% | 4,533 |
| Return on Equity (ROE) | 7.6868% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.6868% | 1,579 |
| Net charge-offs to loans | 0.0091% | 2,657 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 301 |
| Efficiency ratio | 73.9310% | 2,243 |
| Assets per employee ($millions) | 3.6587% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 39.0120% | 5,289 |
| Net loans and leases to deposits | 41.9164% | 5,420 |
| Net loans and leases to core deposits | 41.9164% | 5,471 |
| Total domestic deposits to total assets | 93.0708% | 34 |
| Equity capital to assets | 6.8419% | 5,772 |
| Core capital (leverage) ratio | 7.1653% | 5,754 |
| Tier 1 risk-based capital ratio | 19.3915% | 1,520 |
| Total risk-based capital ratio | 20.0394% | 1,624 |
| Memoranda: | ||
| Average total assets | $110,586,000 | 4,162 |
| Average earning assets | $105,044,000 | 4,099 |
| Average equity | $7,649,500 | 4,948 |
| Average total loans | $43,986,500 | 4,727 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5707% | 5,735 |
| Cost of funding earning assets | 0.0769% | 5,784 |
| Net interest margin | 2.4938% | 5,591 |
| Noninterest income to average assets | 0.1575% | 5,424 |
| Noninterest expense to average assets | 2.0210% | 5,144 |
| Loan and lease loss provision to assets | 0.0074% | 4,213 |
| Net operating income to assets | 0.3909% | 4,974 |
| Return on assets (ROA) | 0.3909% | 5,056 |
| Pretax return on assets | 0.5020% | 5,019 |
| Return on Equity (ROE) | 5.4107% | 4,232 |
| Retained earnings to average equity (ytd only) | 0.3975% | 5,161 |
| Net charge-offs to loans | 0.0241% | 3,562 |
| Credit loss provision to net charge-offs | 80.0000% | 2,972 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 953 |
| Efficiency ratio | 79.8682% | 1,437 |
| Assets per employee ($millions) | 3.5918% | 4,619 |
| Cash dividends to net income (ytd only)* | 92.6540% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 5,530 |
| Loan loss allowance to noncurrent loans | 13,050.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,439 |
| Noncurrent loans to loans | 0.0046% | 5,298 |
| Net loans and leases to total assets | 40.0935% | 5,309 |
| Net loans and leases to deposits | 43.1739% | 5,456 |
| Net loans and leases to core deposits | 43.1739% | 5,515 |
| Total domestic deposits to total assets | 92.8652% | 47 |
| Equity capital to assets | 6.9966% | 5,798 |
| Core capital (leverage) ratio | 7.1753% | 5,795 |
| Tier 1 risk-based capital ratio | 18.3418% | 1,764 |
| Total risk-based capital ratio | 18.9615% | 1,906 |
| Memoranda: | ||
| Average total assets | $107,964,400 | 4,207 |
| Average earning assets | $102,734,400 | 4,145 |
| Average equity | $7,799,400 | 4,965 |
| Average total loans | $41,438,200 | 4,833 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5440% | 5,811 |
| Cost of funding earning assets | 0.0752% | 5,858 |
| Net interest margin | 2.4688% | 5,673 |
| Noninterest income to average assets | 0.1654% | 5,439 |
| Noninterest expense to average assets | 2.0194% | 5,163 |
| Loan and lease loss provision to assets | 0.0074% | 4,078 |
| Net operating income to assets | 0.3826% | 5,079 |
| Return on assets (ROA) | 0.3826% | 5,166 |
| Pretax return on assets | 0.4888% | 5,146 |
| Return on Equity (ROE) | 5.2555% | 4,409 |
| Retained earnings to average equity (ytd only) | 0.3221% | 5,266 |
| Net charge-offs to loans | 0.0326% | 2,996 |
| Credit loss provision to net charge-offs | 60.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 40.2093% | 1,241 |
| Efficiency ratio | 80.2748% | 1,408 |
| Assets per employee ($millions) | 3.5525% | 4,718 |
| Cash dividends to net income (ytd only)* | 93.8716% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 5,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.9291% | 5,378 |
| Net loans and leases to deposits | 43.3128% | 5,535 |
| Net loans and leases to core deposits | 43.6653% | 5,588 |
| Total domestic deposits to total assets | 92.1876% | 62 |
| Equity capital to assets | 7.5084% | 5,842 |
| Core capital (leverage) ratio | 7.1210% | 5,870 |
| Tier 1 risk-based capital ratio | 18.2747% | 1,844 |
| Total risk-based capital ratio | 18.8859% | 1,994 |
| Memoranda: | ||
| Average total assets | $108,017,250 | 4,237 |
| Average earning assets | $102,826,250 | 4,168 |
| Average equity | $7,864,500 | 5,010 |
| Average total loans | $40,932,000 | 4,890 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5095% | 5,899 |
| Cost of funding earning assets | 0.0754% | 5,939 |
| Net interest margin | 2.4341% | 5,779 |
| Noninterest income to average assets | 0.1714% | 5,465 |
| Noninterest expense to average assets | 2.0148% | 5,242 |
| Loan and lease loss provision to assets | 0.0111% | 3,878 |
| Net operating income to assets | 0.3558% | 5,166 |
| Return on assets (ROA) | 0.3558% | 5,253 |
| Pretax return on assets | 0.4664% | 5,209 |
| Return on Equity (ROE) | 4.9369% | 4,546 |
| Retained earnings to average equity (ytd only) | -0.5372% | 5,372 |
| Net charge-offs to loans | 0.0496% | 2,490 |
| Credit loss provision to net charge-offs | 60.0000% | 2,574 |
| Earnings coverage of net charge-offs (x) | 25.9000% | 1,501 |
| Efficiency ratio | 80.8432% | 1,399 |
| Assets per employee ($millions) | 3.7523% | 4,355 |
| Cash dividends to net income (ytd only)* | 110.8808% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 5,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.8595% | 5,520 |
| Net loans and leases to deposits | 40.9669% | 5,655 |
| Net loans and leases to core deposits | 41.2926% | 5,701 |
| Total domestic deposits to total assets | 92.4149% | 60 |
| Equity capital to assets | 7.3140% | 5,937 |
| Core capital (leverage) ratio | 6.9813% | 5,954 |
| Tier 1 risk-based capital ratio | 18.3806% | 1,833 |
| Total risk-based capital ratio | 18.9987% | 1,958 |
| Memoranda: | ||
| Average total assets | $108,498,330 | 4,254 |
| Average earning assets | $103,448,670 | 4,186 |
| Average equity | $7,818,670 | 5,060 |
| Average total loans | $40,305,330 | 4,960 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4577% | 5,981 |
| Cost of funding earning assets | 0.0734% | 6,008 |
| Net interest margin | 2.3843% | 5,883 |
| Noninterest income to average assets | 0.1920% | 5,355 |
| Noninterest expense to average assets | 2.0122% | 5,305 |
| Loan and lease loss provision to assets | 0.0222% | 3,395 |
| Net operating income to assets | 0.3508% | 5,145 |
| Return on assets (ROA) | 0.3508% | 5,230 |
| Pretax return on assets | 0.4357% | 5,236 |
| Return on Equity (ROE) | 4.9042% | 4,526 |
| Retained earnings to average equity (ytd only) | -6.1431% | 5,672 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4649% | 1,422 |
| Assets per employee ($millions) | 3.6223% | 4,609 |
| Cash dividends to net income (ytd only)* | 225.2632% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 5,649 |
| Loan loss allowance to noncurrent loans | 115.5172% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 4,705 |
| Noncurrent loans to loans | 0.5778% | 3,462 |
| Net loans and leases to total assets | 36.7026% | 5,605 |
| Net loans and leases to deposits | 39.6438% | 5,726 |
| Net loans and leases to core deposits | 39.8577% | 5,772 |
| Total domestic deposits to total assets | 92.5811% | 60 |
| Equity capital to assets | 7.1769% | 5,991 |
| Core capital (leverage) ratio | 6.9984% | 6,001 |
| Tier 1 risk-based capital ratio | 19.1796% | 1,690 |
| Total risk-based capital ratio | 19.8582% | 1,781 |
| Memoranda: | ||
| Average total assets | $108,338,500 | 4,294 |
| Average earning assets | $103,512,000 | 4,225 |
| Average equity | $7,748,500 | 5,103 |
| Average total loans | $39,730,000 | 5,017 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3726% | 6,035 |
| Cost of funding earning assets | 0.0744% | 6,052 |
| Net interest margin | 2.2982% | 5,945 |
| Noninterest income to average assets | 0.1535% | 5,650 |
| Noninterest expense to average assets | 1.9617% | 5,524 |
| Loan and lease loss provision to assets | 0.0203% | 3,990 |
| Net operating income to assets | 0.2847% | 5,400 |
| Return on assets (ROA) | 0.2847% | 5,481 |
| Pretax return on assets | 0.3716% | 5,378 |
| Return on Equity (ROE) | 4.0440% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.0440% | 3,140 |
| Net charge-offs to loans | 0.0303% | 3,615 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 38.5455% | 1,212 |
| Efficiency ratio | 83.3464% | 1,243 |
| Assets per employee ($millions) | 3.6003% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 5,698 |
| Loan loss allowance to noncurrent loans | 110.5485% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 4,715 |
| Noncurrent loans to loans | 0.6029% | 3,362 |
| Net loans and leases to total assets | 36.1507% | 5,705 |
| Net loans and leases to deposits | 38.9953% | 5,806 |
| Net loans and leases to core deposits | 39.2067% | 5,847 |
| Total domestic deposits to total assets | 92.7052% | 56 |
| Equity capital to assets | 7.1272% | 6,036 |
| Core capital (leverage) ratio | 7.0669% | 6,041 |
| Tier 1 risk-based capital ratio | 19.4711% | 1,589 |
| Total risk-based capital ratio | 20.1341% | 1,692 |
| Memoranda: | ||
| Average total assets | $108,174,000 | 4,292 |
| Average earning assets | $103,558,600 | 4,197 |
| Average equity | $7,616,200 | 5,128 |
| Average total loans | $36,284,800 | 5,146 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3476% | 6,136 |
| Cost of funding earning assets | 0.0721% | 6,144 |
| Net interest margin | 2.2755% | 6,048 |
| Noninterest income to average assets | 0.1577% | 5,701 |
| Noninterest expense to average assets | 1.9257% | 5,601 |
| Loan and lease loss provision to assets | 0.0246% | 3,777 |
| Net operating income to assets | 0.2932% | 5,472 |
| Return on assets (ROA) | 0.2932% | 5,552 |
| Pretax return on assets | 0.3856% | 5,489 |
| Return on Equity (ROE) | 4.1777% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.1777% | 3,489 |
| Net charge-offs to loans | 0.0338% | 3,239 |
| Credit loss provision to net charge-offs | 222.2222% | 1,234 |
| Earnings coverage of net charge-offs (x) | 36.9992% | 1,317 |
| Efficiency ratio | 82.4367% | 1,337 |
| Assets per employee ($millions) | 3.6086% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 5,708 |
| Loan loss allowance to noncurrent loans | 108.7137% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 4,876 |
| Noncurrent loans to loans | 0.6541% | 3,367 |
| Net loans and leases to total assets | 33.7940% | 5,867 |
| Net loans and leases to deposits | 36.5233% | 5,968 |
| Net loans and leases to core deposits | 36.7209% | 5,999 |
| Total domestic deposits to total assets | 92.5272% | 61 |
| Equity capital to assets | 7.2225% | 6,116 |
| Core capital (leverage) ratio | 7.1078% | 6,115 |
| Tier 1 risk-based capital ratio | 19.9445% | 1,568 |
| Total risk-based capital ratio | 20.6299% | 1,661 |
| Memoranda: | ||
| Average total assets | $108,215,250 | 4,338 |
| Average earning assets | $103,591,750 | 4,250 |
| Average equity | $7,595,750 | 5,195 |
| Average total loans | $35,529,000 | 5,234 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3442% | 6,212 |
| Cost of funding earning assets | 0.0714% | 6,219 |
| Net interest margin | 2.2728% | 6,112 |
| Noninterest income to average assets | 0.1627% | 5,731 |
| Noninterest expense to average assets | 1.9334% | 5,659 |
| Loan and lease loss provision to assets | 0.0222% | 3,688 |
| Net operating income to assets | 0.2976% | 5,443 |
| Return on assets (ROA) | 0.2976% | 5,546 |
| Pretax return on assets | 0.3845% | 5,505 |
| Return on Equity (ROE) | 4.2812% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.2812% | 3,301 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6224% | 1,421 |
| Assets per employee ($millions) | 3.4852% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 5,766 |
| Loan loss allowance to noncurrent loans | 110.3004% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 5,004 |
| Noncurrent loans to loans | 0.6533% | 3,517 |
| Net loans and leases to total assets | 32.7709% | 5,938 |
| Net loans and leases to deposits | 35.3001% | 6,052 |
| Net loans and leases to core deposits | 35.4018% | 6,081 |
| Total domestic deposits to total assets | 92.8351% | 61 |
| Equity capital to assets | 6.9964% | 6,193 |
| Core capital (leverage) ratio | 6.9172% | 6,200 |
| Tier 1 risk-based capital ratio | 20.0649% | 1,527 |
| Total risk-based capital ratio | 20.7482% | 1,639 |
| Memoranda: | ||
| Average total assets | $108,200,670 | 4,379 |
| Average earning assets | $103,661,000 | 4,281 |
| Average equity | $7,521,330 | 5,259 |
| Average total loans | $35,089,670 | 5,289 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3194% | 6,281 |
| Cost of funding earning assets | 0.0692% | 6,296 |
| Net interest margin | 2.2502% | 6,179 |
| Noninterest income to average assets | 0.1662% | 5,736 |
| Noninterest expense to average assets | 1.9616% | 5,644 |
| Loan and lease loss provision to assets | 0.0222% | 3,423 |
| Net operating income to assets | 0.2438% | 5,577 |
| Return on assets (ROA) | 0.2438% | 5,668 |
| Pretax return on assets | 0.3436% | 5,553 |
| Return on Equity (ROE) | 3.5188% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.5188% | 3,888 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2857% | 1,345 |
| Assets per employee ($millions) | 3.5239% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 5,857 |
| Loan loss allowance to noncurrent loans | 74.0413% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 4,743 |
| Noncurrent loans to loans | 0.9778% | 2,812 |
| Net loans and leases to total assets | 31.5059% | 6,020 |
| Net loans and leases to deposits | 33.9797% | 6,123 |
| Net loans and leases to core deposits | 34.0766% | 6,138 |
| Total domestic deposits to total assets | 92.7197% | 78 |
| Equity capital to assets | 7.0304% | 6,258 |
| Core capital (leverage) ratio | 6.9110% | 6,245 |
| Tier 1 risk-based capital ratio | 19.5986% | 1,713 |
| Total risk-based capital ratio | 20.2588% | 1,828 |
| Memoranda: | ||
| Average total assets | $108,280,500 | 4,404 |
| Average earning assets | $103,991,500 | 4,300 |
| Average equity | $7,502,500 | 5,302 |
| Average total loans | $34,803,000 | 5,335 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3938% | 6,357 |
| Cost of funding earning assets | 0.0899% | 6,356 |
| Net interest margin | 2.3039% | 6,266 |
| Noninterest income to average assets | 0.1622% | 5,888 |
| Noninterest expense to average assets | 2.0156% | 5,735 |
| Loan and lease loss provision to assets | 0.0019% | 4,570 |
| Net operating income to assets | 0.2732% | 5,591 |
| Return on assets (ROA) | 0.2732% | 5,662 |
| Pretax return on assets | 0.3456% | 5,613 |
| Return on Equity (ROE) | 4.0424% | 5,097 |
| Retained earnings to average equity (ytd only) | 4.0424% | 3,329 |
| Net charge-offs to loans | 0.0507% | 3,816 |
| Credit loss provision to net charge-offs | 11.7647% | 4,079 |
| Earnings coverage of net charge-offs (x) | 21.1765% | 1,689 |
| Efficiency ratio | 85.2941% | 1,253 |
| Assets per employee ($millions) | 3.5774% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 5,989 |
| Loan loss allowance to noncurrent loans | 92.8030% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 5,041 |
| Noncurrent loans to loans | 0.7556% | 3,431 |
| Net loans and leases to total assets | 32.3264% | 6,105 |
| Net loans and leases to deposits | 34.7678% | 6,203 |
| Net loans and leases to core deposits | 34.8684% | 6,224 |
| Total domestic deposits to total assets | 92.9781% | 69 |
| Equity capital to assets | 6.8253% | 6,346 |
| Core capital (leverage) ratio | 6.7365% | 6,344 |
| Tier 1 risk-based capital ratio | 20.1743% | 1,559 |
| Total risk-based capital ratio | 20.8436% | 1,652 |
| Memoranda: | ||
| Average total assets | $103,593,800 | 4,511 |
| Average earning assets | $98,962,800 | 4,423 |
| Average equity | $7,000,800 | 5,411 |
| Average total loans | $33,520,200 | 5,419 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3948% | 6,438 |
| Cost of funding earning assets | 0.0939% | 6,432 |
| Net interest margin | 2.3008% | 6,341 |
| Noninterest income to average assets | 0.1688% | 5,915 |
| Noninterest expense to average assets | 2.0078% | 5,760 |
| Loan and lease loss provision to assets | 0.0026% | 4,354 |
| Net operating income to assets | 0.2662% | 5,691 |
| Return on assets (ROA) | 0.2662% | 5,755 |
| Pretax return on assets | 0.3533% | 5,670 |
| Return on Equity (ROE) | 3.9500% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.9500% | 3,839 |
| Net charge-offs to loans | 0.0684% | 3,220 |
| Credit loss provision to net charge-offs | 11.7647% | 3,681 |
| Earnings coverage of net charge-offs (x) | 16.1147% | 2,004 |
| Efficiency ratio | 84.9451% | 1,291 |
| Assets per employee ($millions) | 3.4374% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 6,043 |
| Loan loss allowance to noncurrent loans | 57.9196% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 4,693 |
| Noncurrent loans to loans | 1.2567% | 2,542 |
| Net loans and leases to total assets | 32.4031% | 6,169 |
| Net loans and leases to deposits | 34.8858% | 6,272 |
| Net loans and leases to core deposits | 34.9910% | 6,300 |
| Total domestic deposits to total assets | 92.8833% | 85 |
| Equity capital to assets | 6.9587% | 6,387 |
| Core capital (leverage) ratio | 6.9550% | 6,386 |
| Tier 1 risk-based capital ratio | 20.7337% | 1,503 |
| Total risk-based capital ratio | 21.4288% | 1,592 |
| Memoranda: | ||
| Average total assets | $102,662,000 | 4,580 |
| Average earning assets | $97,933,250 | 4,499 |
| Average equity | $6,919,750 | 5,483 |
| Average total loans | $33,165,750 | 5,483 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3946% | 6,508 |
| Cost of funding earning assets | 0.0962% | 6,492 |
| Net interest margin | 2.2984% | 6,409 |
| Noninterest income to average assets | 0.1736% | 5,910 |
| Noninterest expense to average assets | 2.0154% | 5,816 |
| Loan and lease loss provision to assets | 0.0039% | 4,143 |
| Net operating income to assets | 0.2634% | 5,681 |
| Return on assets (ROA) | 0.2634% | 5,757 |
| Pretax return on assets | 0.3453% | 5,687 |
| Return on Equity (ROE) | 3.9506% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.9506% | 3,667 |
| Net charge-offs to loans | 0.1818% | 1,940 |
| Credit loss provision to net charge-offs | 6.6667% | 3,340 |
| Earnings coverage of net charge-offs (x) | 5.9667% | 2,841 |
| Efficiency ratio | 85.2310% | 1,354 |
| Assets per employee ($millions) | 3.4228% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 6,191 |
| Loan loss allowance to noncurrent loans | 84.3636% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 5,291 |
| Noncurrent loans to loans | 0.8166% | 3,668 |
| Net loans and leases to total assets | 32.5685% | 6,221 |
| Net loans and leases to deposits | 35.0262% | 6,322 |
| Net loans and leases to core deposits | 35.1322% | 6,350 |
| Total domestic deposits to total assets | 92.9834% | 82 |
| Equity capital to assets | 6.8822% | 6,458 |
| Core capital (leverage) ratio | 7.0170% | 6,427 |
| Tier 1 risk-based capital ratio | 20.3394% | 1,603 |
| Total risk-based capital ratio | 20.9913% | 1,713 |
| Memoranda: | ||
| Average total assets | $102,508,330 | 4,622 |
| Average earning assets | $97,718,330 | 4,535 |
| Average equity | $6,834,330 | 5,530 |
| Average total loans | $33,001,000 | 5,532 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3535% | 6,587 |
| Cost of funding earning assets | 0.0941% | 6,577 |
| Net interest margin | 2.2594% | 6,499 |
| Noninterest income to average assets | 0.1953% | 5,793 |
| Noninterest expense to average assets | 2.0387% | 5,806 |
| Loan and lease loss provision to assets | 0.0078% | 3,716 |
| Net operating income to assets | 0.2382% | 5,695 |
| Return on assets (ROA) | 0.2382% | 5,741 |
| Pretax return on assets | 0.3046% | 5,706 |
| Return on Equity (ROE) | 3.6320% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.6320% | 3,953 |
| Net charge-offs to loans | 0.2449% | 1,341 |
| Credit loss provision to net charge-offs | 10.0000% | 2,606 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,587 |
| Efficiency ratio | 86.7110% | 1,373 |
| Assets per employee ($millions) | 3.3912% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 6,220 |
| Loan loss allowance to noncurrent loans | 61.7347% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 5,038 |
| Noncurrent loans to loans | 1.1860% | 3,065 |
| Net loans and leases to total assets | 31.2108% | 6,295 |
| Net loans and leases to deposits | 33.3978% | 6,390 |
| Net loans and leases to core deposits | 33.4960% | 6,421 |
| Total domestic deposits to total assets | 93.4517% | 79 |
| Equity capital to assets | 6.4693% | 6,527 |
| Core capital (leverage) ratio | 6.8975% | 6,493 |
| Tier 1 risk-based capital ratio | 20.3136% | 1,643 |
| Total risk-based capital ratio | 20.9998% | 1,750 |
| Memoranda: | ||
| Average total assets | $102,420,000 | 4,674 |
| Average earning assets | $97,725,000 | 4,575 |
| Average equity | $6,718,000 | 5,586 |
| Average total loans | $32,664,000 | 5,601 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4285% | 6,636 |
| Cost of funding earning assets | 0.0997% | 6,673 |
| Net interest margin | 2.3288% | 6,500 |
| Noninterest income to average assets | 0.1807% | 6,003 |
| Noninterest expense to average assets | 2.1346% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2097% | 5,797 |
| Return on assets (ROA) | 0.2097% | 5,861 |
| Pretax return on assets | 0.2570% | 5,835 |
| Return on Equity (ROE) | 2.8587% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.0671% | 4,769 |
| Net charge-offs to loans | -0.0134% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2536% | 1,088 |
| Assets per employee ($millions) | 3.2165% | 5,456 |
| Cash dividends to net income (ytd only)* | 27.6923% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 6,162 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 5,522 |
| Noncurrent loans to loans | 0.7653% | 4,055 |
| Net loans and leases to total assets | 32.1071% | 6,373 |
| Net loans and leases to deposits | 34.4470% | 6,477 |
| Net loans and leases to core deposits | 34.5540% | 6,505 |
| Total domestic deposits to total assets | 93.2075% | 116 |
| Equity capital to assets | 6.6541% | 6,541 |
| Core capital (leverage) ratio | 7.2013% | 6,474 |
| Tier 1 risk-based capital ratio | 20.4232% | 1,555 |
| Total risk-based capital ratio | 21.1708% | 1,646 |
| Memoranda: | ||
| Average total assets | $92,993,200 | 4,908 |
| Average earning assets | $88,285,200 | 4,824 |
| Average equity | $6,821,200 | 5,614 |
| Average total loans | $29,835,800 | 5,771 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3999% | 6,728 |
| Cost of funding earning assets | 0.0985% | 6,768 |
| Net interest margin | 2.3014% | 6,587 |
| Noninterest income to average assets | 0.1913% | 6,037 |
| Noninterest expense to average assets | 2.0953% | 5,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2292% | 5,841 |
| Return on assets (ROA) | 0.2292% | 5,923 |
| Pretax return on assets | 0.2789% | 5,917 |
| Return on Equity (ROE) | 3.0480% | 5,586 |
| Retained earnings to average equity (ytd only) | 1.9996% | 5,129 |
| Net charge-offs to loans | -0.0137% | 5,956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2534% | 1,142 |
| Assets per employee ($millions) | 3.0710% | 5,731 |
| Cash dividends to net income (ytd only)* | 34.3955% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 6,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 33.3711% | 6,393 |
| Net loans and leases to deposits | 35.8861% | 6,514 |
| Net loans and leases to core deposits | 36.0033% | 6,559 |
| Total domestic deposits to total assets | 92.9917% | 125 |
| Equity capital to assets | 6.9410% | 6,567 |
| Core capital (leverage) ratio | 7.4178% | 6,478 |
| Tier 1 risk-based capital ratio | 21.1698% | 1,466 |
| Total risk-based capital ratio | 21.9459% | 1,535 |
| Memoranda: | ||
| Average total assets | $91,313,250 | 4,996 |
| Average earning assets | $86,610,750 | 4,911 |
| Average equity | $6,867,750 | 5,677 |
| Average total loans | $29,226,000 | 5,856 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3448% | 6,788 |
| Cost of funding earning assets | 0.0960% | 6,825 |
| Net interest margin | 2.2487% | 6,657 |
| Noninterest income to average assets | 0.2022% | 5,999 |
| Noninterest expense to average assets | 2.0485% | 5,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2511% | 5,776 |
| Return on assets (ROA) | 0.2511% | 5,902 |
| Pretax return on assets | 0.2866% | 5,910 |
| Return on Equity (ROE) | 3.2498% | 5,520 |
| Retained earnings to average equity (ytd only) | 1.6968% | 5,166 |
| Net charge-offs to loans | -0.0212% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7260% | 1,247 |
| Assets per employee ($millions) | 3.0091% | 5,841 |
| Cash dividends to net income (ytd only)* | 47.7876% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 6,181 |
| Loan loss allowance to noncurrent loans | 12,950.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,581 |
| Noncurrent loans to loans | 0.0068% | 6,420 |
| Net loans and leases to total assets | 31.1453% | 6,540 |
| Net loans and leases to deposits | 33.5512% | 6,626 |
| Net loans and leases to core deposits | 33.6632% | 6,654 |
| Total domestic deposits to total assets | 92.8293% | 143 |
| Equity capital to assets | 7.0732% | 6,588 |
| Core capital (leverage) ratio | 7.7452% | 6,342 |
| Tier 1 risk-based capital ratio | 23.4981% | 1,061 |
| Total risk-based capital ratio | 24.3649% | 1,103 |
| Memoranda: | ||
| Average total assets | $90,017,000 | 5,062 |
| Average earning assets | $85,381,000 | 4,971 |
| Average equity | $6,954,330 | 5,696 |
| Average total loans | $28,291,670 | 5,922 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3467% | 6,854 |
| Cost of funding earning assets | 0.0954% | 6,912 |
| Net interest margin | 2.2513% | 6,728 |
| Noninterest income to average assets | 0.2218% | 5,894 |
| Noninterest expense to average assets | 2.0818% | 5,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2444% | 5,743 |
| Return on assets (ROA) | 0.2444% | 5,864 |
| Pretax return on assets | 0.2761% | 5,905 |
| Return on Equity (ROE) | 3.0284% | 5,581 |
| Retained earnings to average equity (ytd only) | 3.0284% | 4,468 |
| Net charge-offs to loans | -0.0144% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2917% | 1,300 |
| Assets per employee ($millions) | 3.0654% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 6,239 |
| Loan loss allowance to noncurrent loans | 5,140.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,616 |
| Noncurrent loans to loans | 0.0177% | 6,447 |
| Net loans and leases to total assets | 31.5391% | 6,536 |
| Net loans and leases to deposits | 34.3747% | 6,621 |
| Net loans and leases to core deposits | 34.4965% | 6,661 |
| Total domestic deposits to total assets | 91.7510% | 296 |
| Equity capital to assets | 8.0499% | 6,350 |
| Core capital (leverage) ratio | 8.2198% | 5,919 |
| Tier 1 risk-based capital ratio | 26.2685% | 763 |
| Total risk-based capital ratio | 27.2309% | 775 |
| Memoranda: | ||
| Average total assets | $88,384,500 | 5,143 |
| Average earning assets | $83,863,500 | 5,047 |
| Average equity | $7,132,500 | 5,705 |
| Average total loans | $27,781,500 | 5,997 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9305% | 6,806 |
| Cost of funding earning assets | 0.1411% | 6,942 |
| Net interest margin | 2.7895% | 6,390 |
| Noninterest income to average assets | 0.2055% | 5,943 |
| Noninterest expense to average assets | 2.3339% | 5,603 |
| Loan and lease loss provision to assets | 0.0100% | 5,796 |
| Net operating income to assets | 0.2354% | 5,683 |
| Return on assets (ROA) | 0.2354% | 5,877 |
| Pretax return on assets | 0.2752% | 5,867 |
| Return on Equity (ROE) | 2.6620% | 5,688 |
| Retained earnings to average equity (ytd only) | 0.4366% | 5,638 |
| Net charge-offs to loans | -0.0113% | 6,480 |
| Credit loss provision to net charge-offs | -266.6667% | 6,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1108% | 1,140 |
| Assets per employee ($millions) | 2.9291% | 6,109 |
| Cash dividends to net income (ytd only)* | 83.5979% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 6,164 |
| Loan loss allowance to noncurrent loans | 1,505.8824% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 6,626 |
| Noncurrent loans to loans | 0.0623% | 6,334 |
| Net loans and leases to total assets | 30.7410% | 6,674 |
| Net loans and leases to deposits | 33.5315% | 6,743 |
| Net loans and leases to core deposits | 33.6518% | 6,776 |
| Total domestic deposits to total assets | 91.6778% | 303 |
| Equity capital to assets | 8.0901% | 6,359 |
| Core capital (leverage) ratio | 7.9476% | 6,242 |
| Tier 1 risk-based capital ratio | 27.4023% | 664 |
| Total risk-based capital ratio | 28.4100% | 665 |
| Memoranda: | ||
| Average total assets | $80,295,600 | 5,346 |
| Average earning assets | $69,476,000 | 5,451 |
| Average equity | $7,100,000 | 5,735 |
| Average total loans | $26,523,000 | 6,111 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1017% | 6,850 |
| Cost of funding earning assets | 0.1535% | 7,031 |
| Net interest margin | 2.9482% | 6,278 |
| Noninterest income to average assets | 0.2279% | 5,918 |
| Noninterest expense to average assets | 2.3979% | 5,406 |
| Loan and lease loss provision to assets | 0.0136% | 5,643 |
| Net operating income to assets | 0.2568% | 5,765 |
| Return on assets (ROA) | 0.2568% | 5,956 |
| Pretax return on assets | 0.2993% | 5,959 |
| Return on Equity (ROE) | 2.8365% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.8221% | 5,425 |
| Net charge-offs to loans | -0.0152% | 6,439 |
| Credit loss provision to net charge-offs | -266.6667% | 6,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4567% | 1,151 |
| Assets per employee ($millions) | 2.9956% | 6,062 |
| Cash dividends to net income (ytd only)* | 35.7622% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,175 |
| Loan loss allowance to noncurrent loans | 2,133.3333% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,742 |
| Noncurrent loans to loans | 0.0457% | 6,503 |
| Net loans and leases to total assets | 31.0049% | 6,776 |
| Net loans and leases to deposits | 34.0148% | 6,868 |
| Net loans and leases to core deposits | 34.0148% | 6,900 |
| Total domestic deposits to total assets | 91.1513% | 371 |
| Equity capital to assets | 8.5780% | 6,191 |
| Core capital (leverage) ratio | 8.1905% | 6,157 |
| Tier 1 risk-based capital ratio | 28.8151% | 599 |
| Total risk-based capital ratio | 29.8647% | 599 |
| Memoranda: | ||
| Average total assets | $78,401,250 | 5,452 |
| Average earning assets | $66,026,750 | 5,617 |
| Average equity | $7,097,750 | 5,799 |
| Average total loans | $26,336,500 | 6,199 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 6,820 |
| Cost of funding earning assets | 0.1757% | 7,071 |
| Net interest margin | 3.1111% | 5,970 |
| Noninterest income to average assets | 0.2168% | 6,015 |
| Noninterest expense to average assets | 2.4838% | 5,193 |
| Loan and lease loss provision to assets | 0.0209% | 5,402 |
| Net operating income to assets | 0.1907% | 5,943 |
| Return on assets (ROA) | 0.1907% | 6,123 |
| Pretax return on assets | 0.2089% | 6,133 |
| Return on Equity (ROE) | 2.0664% | 6,027 |
| Retained earnings to average equity (ytd only) | 0.5378% | 5,850 |
| Net charge-offs to loans | -0.0228% | 6,456 |
| Credit loss provision to net charge-offs | -266.6667% | 6,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5303% | 956 |
| Assets per employee ($millions) | 3.0322% | 6,002 |
| Cash dividends to net income (ytd only)* | 73.9726% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 6,240 |
| Loan loss allowance to noncurrent loans | 59.5349% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 5,448 |
| Noncurrent loans to loans | 1.6407% | 3,449 |
| Net loans and leases to total assets | 31.6990% | 6,818 |
| Net loans and leases to deposits | 34.8429% | 6,901 |
| Net loans and leases to core deposits | 34.8429% | 6,941 |
| Total domestic deposits to total assets | 90.9772% | 453 |
| Equity capital to assets | 8.6906% | 6,035 |
| Core capital (leverage) ratio | 9.0161% | 4,887 |
| Tier 1 risk-based capital ratio | 28.0797% | 637 |
| Total risk-based capital ratio | 29.1140% | 635 |
| Memoranda: | ||
| Average total assets | $76,576,000 | 5,530 |
| Average earning assets | $61,457,670 | 5,786 |
| Average equity | $7,065,330 | 5,829 |
| Average total loans | $26,361,330 | 6,239 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 6,402 |
| Cost of funding earning assets | 0.2317% | 7,050 |
| Net interest margin | 3.4907% | 4,756 |
| Noninterest income to average assets | 0.2435% | 5,894 |
| Noninterest expense to average assets | 2.6782% | 4,512 |
| Loan and lease loss provision to assets | 0.0325% | 4,966 |
| Net operating income to assets | 0.0433% | 6,344 |
| Return on assets (ROA) | 0.0433% | 6,461 |
| Pretax return on assets | 0.0595% | 6,443 |
| Return on Equity (ROE) | 0.4545% | 6,451 |
| Retained earnings to average equity (ytd only) | 0.4545% | 5,850 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6797% | 691 |
| Assets per employee ($millions) | 2.8163% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,397 |
| Loan loss allowance to noncurrent loans | 58.3721% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 5,345 |
| Noncurrent loans to loans | 1.6387% | 3,645 |
| Net loans and leases to total assets | 34.1785% | 6,726 |
| Net loans and leases to deposits | 37.7736% | 6,831 |
| Net loans and leases to core deposits | 37.7736% | 6,888 |
| Total domestic deposits to total assets | 90.4825% | 812 |
| Equity capital to assets | 9.2505% | 5,155 |
| Core capital (leverage) ratio | 9.3554% | 4,271 |
| Tier 1 risk-based capital ratio | 26.4496% | 771 |
| Total risk-based capital ratio | 27.4065% | 777 |
| Memoranda: | ||
| Average total assets | $73,929,000 | 5,650 |
| Average earning assets | $53,513,500 | 6,083 |
| Average equity | $7,040,500 | 5,860 |
| Average total loans | $26,438,000 | 6,283 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 6,039 |
| Cost of funding earning assets | 0.1670% | 7,266 |
| Net interest margin | 4.0369% | 2,696 |
| Noninterest income to average assets | 0.2828% | 5,506 |
| Noninterest expense to average assets | 3.2527% | 2,679 |
| Loan and lease loss provision to assets | 0.0241% | 6,272 |
| Net operating income to assets | 0.4139% | 4,797 |
| Return on assets (ROA) | 0.4139% | 4,987 |
| Pretax return on assets | 0.5088% | 4,967 |
| Return on Equity (ROE) | 3.4368% | 5,105 |
| Retained earnings to average equity (ytd only) | 0.8592% | 5,462 |
| Net charge-offs to loans | 0.0352% | 5,959 |
| Credit loss provision to net charge-offs | 140.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 30.9000% | 827 |
| Efficiency ratio | 85.9226% | 1,572 |
| Assets per employee ($millions) | 2.5650% | 6,767 |
| Cash dividends to net income (ytd only)* | 75.0000% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 6,487 |
| Loan loss allowance to noncurrent loans | 55.6818% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 5,204 |
| Noncurrent loans to loans | 1.6519% | 3,684 |
| Net loans and leases to total assets | 36.7465% | 6,720 |
| Net loans and leases to deposits | 40.8827% | 6,836 |
| Net loans and leases to core deposits | 40.8827% | 6,921 |
| Total domestic deposits to total assets | 89.8829% | 1,052 |
| Equity capital to assets | 9.8122% | 4,424 |
| Core capital (leverage) ratio | 11.9068% | 1,651 |
| Tier 1 risk-based capital ratio | 25.7765% | 797 |
| Total risk-based capital ratio | 26.6877% | 805 |
| Memoranda: | ||
| Average total assets | $57,982,400 | 6,108 |
| Average earning assets | $50,311,000 | 6,179 |
| Average equity | $6,983,200 | 5,870 |
| Average total loans | $28,389,200 | 6,233 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 5,847 |
| Cost of funding earning assets | 0.1676% | 7,353 |
| Net interest margin | 4.1625% | 2,231 |
| Noninterest income to average assets | 0.3032% | 5,440 |
| Noninterest expense to average assets | 3.5140% | 1,909 |
| Loan and lease loss provision to assets | 0.0342% | 6,008 |
| Net operating income to assets | 0.4255% | 4,880 |
| Return on assets (ROA) | 0.4255% | 5,073 |
| Pretax return on assets | 0.5209% | 5,084 |
| Return on Equity (ROE) | 3.3297% | 5,303 |
| Retained earnings to average equity (ytd only) | 1.6075% | 5,336 |
| Net charge-offs to loans | 0.0462% | 5,526 |
| Credit loss provision to net charge-offs | 140.0000% | 2,275 |
| Earnings coverage of net charge-offs (x) | 22.7052% | 1,142 |
| Efficiency ratio | 86.3582% | 1,496 |
| Assets per employee ($millions) | 2.0328% | 7,226 |
| Cash dividends to net income (ytd only)* | 51.7264% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 6,561 |
| Loan loss allowance to noncurrent loans | 54.0839% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 4,815 |
| Noncurrent loans to loans | 1.6899% | 3,770 |
| Net loans and leases to total assets | 46.6663% | 6,089 |
| Net loans and leases to deposits | 53.5989% | 6,247 |
| Net loans and leases to core deposits | 53.5989% | 6,484 |
| Total domestic deposits to total assets | 87.0658% | 2,608 |
| Equity capital to assets | 12.4598% | 1,940 |
| Core capital (leverage) ratio | 12.4167% | 1,476 |
| Tier 1 risk-based capital ratio | 25.9323% | 843 |
| Total risk-based capital ratio | 26.8459% | 851 |
| Memoranda: | ||
| Average total assets | $54,523,250 | 6,261 |
| Average earning assets | $49,327,750 | 6,272 |
| Average equity | $6,967,250 | 5,909 |
| Average total loans | $28,827,500 | 6,269 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 5,481 |
| Cost of funding earning assets | 0.1689% | 7,432 |
| Net interest margin | 4.2930% | 1,688 |
| Noninterest income to average assets | 0.3090% | 5,419 |
| Noninterest expense to average assets | 3.6147% | 1,708 |
| Loan and lease loss provision to assets | 0.0298% | 5,934 |
| Net operating income to assets | 0.4542% | 4,698 |
| Return on assets (ROA) | 0.4542% | 4,837 |
| Pretax return on assets | 0.5435% | 4,925 |
| Return on Equity (ROE) | 3.5231% | 5,159 |
| Retained earnings to average equity (ytd only) | 0.9241% | 5,497 |
| Net charge-offs to loans | 0.0678% | 4,960 |
| Credit loss provision to net charge-offs | 80.0000% | 3,771 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,409 |
| Efficiency ratio | 86.3111% | 1,570 |
| Assets per employee ($millions) | 2.0144% | 7,293 |
| Cash dividends to net income (ytd only)* | 73.7705% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 6,831 |
| Loan loss allowance to noncurrent loans | 51.2876% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9965% | 4,878 |
| Noncurrent loans to loans | 1.6024% | 3,990 |
| Net loans and leases to total assets | 53.0300% | 5,430 |
| Net loans and leases to deposits | 61.1832% | 5,596 |
| Net loans and leases to core deposits | 61.1832% | 5,978 |
| Total domestic deposits to total assets | 86.6740% | 2,944 |
| Equity capital to assets | 12.8719% | 1,585 |
| Core capital (leverage) ratio | 12.5284% | 1,345 |
| Tier 1 risk-based capital ratio | 25.3405% | 874 |
| Total risk-based capital ratio | 26.2180% | 893 |
| Memoranda: | ||
| Average total assets | $53,724,670 | 6,341 |
| Average earning assets | $48,544,330 | 6,352 |
| Average equity | $6,925,670 | 5,941 |
| Average total loans | $29,501,000 | 6,309 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 5,811 |
| Cost of funding earning assets | 0.1742% | 7,494 |
| Net interest margin | 4.1896% | 1,925 |
| Noninterest income to average assets | 0.3221% | 5,347 |
| Noninterest expense to average assets | 3.7384% | 1,462 |
| Loan and lease loss provision to assets | 0.0150% | 5,732 |
| Net operating income to assets | 0.2997% | 5,402 |
| Return on assets (ROA) | 0.2997% | 5,470 |
| Pretax return on assets | 0.3521% | 5,498 |
| Return on Equity (ROE) | 2.3229% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.3229% | 4,756 |
| Net charge-offs to loans | 0.1077% | 3,884 |
| Credit loss provision to net charge-offs | 25.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | 6.1250% | 2,153 |
| Efficiency ratio | 91.0584% | 1,238 |
| Assets per employee ($millions) | 1.9426% | 7,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 6,906 |
| Loan loss allowance to noncurrent loans | 50.8658% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 4,928 |
| Noncurrent loans to loans | 1.5864% | 4,104 |
| Net loans and leases to total assets | 53.1098% | 5,433 |
| Net loans and leases to deposits | 61.0379% | 5,611 |
| Net loans and leases to core deposits | 61.0379% | 6,012 |
| Total domestic deposits to total assets | 87.0112% | 2,930 |
| Equity capital to assets | 12.6965% | 1,522 |
| Core capital (leverage) ratio | 12.7356% | 1,223 |
| Tier 1 risk-based capital ratio | 25.3373% | 844 |
| Total risk-based capital ratio | 26.1989% | 867 |
| Memoranda: | ||
| Average total assets | $53,392,000 | 6,398 |
| Average earning assets | $48,215,000 | 6,403 |
| Average equity | $6,888,000 | 5,956 |
| Average total loans | $29,710,500 | 6,348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 5,328 |
| Cost of funding earning assets | 0.1824% | 7,558 |
| Net interest margin | 4.6438% | 921 |
| Noninterest income to average assets | 0.2672% | 5,877 |
| Noninterest expense to average assets | 3.7567% | 1,573 |
| Loan and lease loss provision to assets | 0.0229% | 6,895 |
| Net operating income to assets | 0.5154% | 4,019 |
| Return on assets (ROA) | 0.5154% | 4,180 |
| Pretax return on assets | 0.6662% | 4,103 |
| Return on Equity (ROE) | 3.9169% | 4,562 |
| Retained earnings to average equity (ytd only) | 0.1451% | 5,507 |
| Net charge-offs to loans | -0.0034% | 7,248 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4998% | 1,863 |
| Assets per employee ($millions) | 1.8711% | 7,469 |
| Cash dividends to net income (ytd only)* | 96.2963% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 6,977 |
| Loan loss allowance to noncurrent loans | 4,016.6667% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 7,006 |
| Noncurrent loans to loans | 0.0198% | 7,095 |
| Net loans and leases to total assets | 57.3705% | 5,131 |
| Net loans and leases to deposits | 66.2837% | 5,365 |
| Net loans and leases to core deposits | 66.2837% | 5,846 |
| Total domestic deposits to total assets | 86.5530% | 3,054 |
| Equity capital to assets | 13.1129% | 1,341 |
| Core capital (leverage) ratio | 12.9483% | 1,143 |
| Tier 1 risk-based capital ratio | 24.7737% | 864 |
| Total risk-based capital ratio | 25.6428% | 885 |
| Memoranda: | ||
| Average total assets | $52,386,400 | 6,451 |
| Average earning assets | $47,138,000 | 6,472 |
| Average equity | $6,893,200 | 6,074 |
| Average total loans | $29,466,000 | 6,424 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 5,440 |
| Cost of funding earning assets | 0.1842% | 7,679 |
| Net interest margin | 4.6749% | 894 |
| Noninterest income to average assets | 0.2749% | 5,911 |
| Noninterest expense to average assets | 3.7847% | 1,397 |
| Loan and lease loss provision to assets | 0.0305% | 6,764 |
| Net operating income to assets | 0.5065% | 4,285 |
| Return on assets (ROA) | 0.5065% | 4,477 |
| Pretax return on assets | 0.6592% | 4,391 |
| Return on Equity (ROE) | 3.8459% | 4,850 |
| Retained earnings to average equity (ytd only) | 1.4301% | 5,229 |
| Net charge-offs to loans | -0.0045% | 7,207 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5848% | 1,777 |
| Assets per employee ($millions) | 1.7690% | 7,606 |
| Cash dividends to net income (ytd only)* | 62.8123% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 6,985 |
| Loan loss allowance to noncurrent loans | 1,268.4211% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 7,076 |
| Noncurrent loans to loans | 0.0637% | 7,077 |
| Net loans and leases to total assets | 55.7614% | 5,577 |
| Net loans and leases to deposits | 64.4341% | 5,859 |
| Net loans and leases to core deposits | 64.4341% | 6,262 |
| Total domestic deposits to total assets | 86.5402% | 2,788 |
| Equity capital to assets | 13.0679% | 1,540 |
| Core capital (leverage) ratio | 13.1551% | 1,170 |
| Tier 1 risk-based capital ratio | 25.2871% | 841 |
| Total risk-based capital ratio | 26.1659% | 849 |
| Memoranda: | ||
| Average total assets | $52,385,250 | 6,522 |
| Average earning assets | $47,058,750 | 6,556 |
| Average equity | $6,899,000 | 6,148 |
| Average total loans | $29,258,000 | 6,519 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 5,370 |
| Cost of funding earning assets | 0.1881% | 7,750 |
| Net interest margin | 4.7146% | 797 |
| Noninterest income to average assets | 0.2569% | 6,076 |
| Noninterest expense to average assets | 3.7464% | 1,457 |
| Loan and lease loss provision to assets | 0.0460% | 6,511 |
| Net operating income to assets | 0.5445% | 4,121 |
| Return on assets (ROA) | 0.5445% | 4,266 |
| Pretax return on assets | 0.6941% | 4,259 |
| Return on Equity (ROE) | 4.1237% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.4937% | 5,566 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5043% | 1,981 |
| Assets per employee ($millions) | 1.7490% | 7,674 |
| Cash dividends to net income (ytd only)* | 88.0282% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 6,997 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 7,184 |
| Noncurrent loans to loans | 0.0102% | 7,306 |
| Net loans and leases to total assets | 55.5937% | 5,770 |
| Net loans and leases to deposits | 64.2780% | 6,002 |
| Net loans and leases to core deposits | 64.2780% | 6,380 |
| Total domestic deposits to total assets | 86.4894% | 2,827 |
| Equity capital to assets | 13.1065% | 1,529 |
| Core capital (leverage) ratio | 13.0553% | 1,189 |
| Tier 1 risk-based capital ratio | 25.4224% | 815 |
| Total risk-based capital ratio | 26.3096% | 821 |
| Memoranda: | ||
| Average total assets | $52,157,330 | 6,579 |
| Average earning assets | $46,790,330 | 6,598 |
| Average equity | $6,887,000 | 6,177 |
| Average total loans | $29,066,330 | 6,574 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 5,609 |
| Cost of funding earning assets | 0.1896% | 7,855 |
| Net interest margin | 4.6799% | 815 |
| Noninterest income to average assets | 0.2538% | 6,117 |
| Noninterest expense to average assets | 3.7769% | 1,360 |
| Loan and lease loss provision to assets | 0.0462% | 6,208 |
| Net operating income to assets | 0.4923% | 4,429 |
| Return on assets (ROA) | 0.4923% | 4,564 |
| Pretax return on assets | 0.6077% | 4,568 |
| Return on Equity (ROE) | 3.7145% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.7145% | 3,926 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2431% | 1,882 |
| Assets per employee ($millions) | 1.7212% | 7,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 7,109 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 7,277 |
| Noncurrent loans to loans | 0.0104% | 7,391 |
| Net loans and leases to total assets | 55.6677% | 5,796 |
| Net loans and leases to deposits | 64.5729% | 5,992 |
| Net loans and leases to core deposits | 64.5729% | 6,416 |
| Total domestic deposits to total assets | 86.2090% | 3,025 |
| Equity capital to assets | 13.4095% | 1,359 |
| Core capital (leverage) ratio | 13.3792% | 1,107 |
| Tier 1 risk-based capital ratio | 25.9015% | 782 |
| Total risk-based capital ratio | 26.7769% | 790 |
| Memoranda: | ||
| Average total assets | $52,001,000 | 6,667 |
| Average earning assets | $46,411,500 | 6,684 |
| Average equity | $6,892,000 | 6,229 |
| Average total loans | $28,894,500 | 6,661 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 5,724 |
| Cost of funding earning assets | 0.2544% | 7,923 |
| Net interest margin | 4.9304% | 519 |
| Noninterest income to average assets | 0.2999% | 5,950 |
| Noninterest expense to average assets | 3.7995% | 1,696 |
| Loan and lease loss provision to assets | 0.0420% | 7,131 |
| Net operating income to assets | 0.6227% | 3,239 |
| Return on assets (ROA) | 0.6227% | 3,303 |
| Pretax return on assets | 0.8634% | 3,036 |
| Return on Equity (ROE) | 4.7415% | 3,782 |
| Retained earnings to average equity (ytd only) | 0.4363% | 4,660 |
| Net charge-offs to loans | 0.0037% | 7,195 |
| Credit loss provision to net charge-offs | 2,200.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 474.0000% | 55 |
| Efficiency ratio | 80.7552% | 2,779 |
| Assets per employee ($millions) | 1.7456% | 7,842 |
| Cash dividends to net income (ytd only)* | 90.7975% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 7,153 |
| Loan loss allowance to noncurrent loans | 22,800.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 7,297 |
| Noncurrent loans to loans | 0.0035% | 7,444 |
| Net loans and leases to total assets | 54.5821% | 6,135 |
| Net loans and leases to deposits | 63.2032% | 6,344 |
| Net loans and leases to core deposits | 63.6848% | 7,106 |
| Total domestic deposits to total assets | 86.3597% | 2,834 |
| Equity capital to assets | 13.0999% | 1,470 |
| Core capital (leverage) ratio | 13.1234% | 1,219 |
| Tier 1 risk-based capital ratio | 25.3623% | 810 |
| Total risk-based capital ratio | 26.2053% | 825 |
| Memoranda: | ||
| Average total assets | $52,348,800 | 6,621 |
| Average earning assets | $46,770,800 | 6,649 |
| Average equity | $6,875,400 | 6,307 |
| Average total loans | $26,922,400 | 6,809 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 5,896 |
| Cost of funding earning assets | 0.2678% | 8,011 |
| Net interest margin | 4.9282% | 514 |
| Noninterest income to average assets | 0.3108% | 6,001 |
| Noninterest expense to average assets | 3.7469% | 1,708 |
| Loan and lease loss provision to assets | 0.0560% | 6,808 |
| Net operating income to assets | 0.6368% | 3,466 |
| Return on assets (ROA) | 0.6368% | 3,534 |
| Pretax return on assets | 0.9144% | 3,182 |
| Return on Equity (ROE) | 4.8454% | 4,032 |
| Retained earnings to average equity (ytd only) | 1.7056% | 4,357 |
| Net charge-offs to loans | 0.0101% | 6,797 |
| Credit loss provision to net charge-offs | 1,100.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 190.2584% | 205 |
| Efficiency ratio | 79.4276% | 2,934 |
| Assets per employee ($millions) | 1.7325% | 7,926 |
| Cash dividends to net income (ytd only)* | 64.7976% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 7,105 |
| Loan loss allowance to noncurrent loans | 241.4894% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 6,863 |
| Noncurrent loans to loans | 0.3323% | 6,695 |
| Net loans and leases to total assets | 53.9922% | 6,385 |
| Net loans and leases to deposits | 62.6896% | 6,611 |
| Net loans and leases to core deposits | 63.1708% | 7,281 |
| Total domestic deposits to total assets | 86.1263% | 2,631 |
| Equity capital to assets | 13.3119% | 1,567 |
| Core capital (leverage) ratio | 13.3430% | 1,284 |
| Tier 1 risk-based capital ratio | 25.9323% | 822 |
| Total risk-based capital ratio | 26.7831% | 834 |
| Memoranda: | ||
| Average total assets | $52,344,250 | 6,664 |
| Average earning assets | $46,804,750 | 6,698 |
| Average equity | $6,879,250 | 6,364 |
| Average total loans | $26,450,250 | 6,885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2297% | 5,960 |
| Cost of funding earning assets | 0.2820% | 8,106 |
| Net interest margin | 4.9477% | 488 |
| Noninterest income to average assets | 0.3393% | 5,800 |
| Noninterest expense to average assets | 3.7204% | 1,793 |
| Loan and lease loss provision to assets | 0.0572% | 6,647 |
| Net operating income to assets | 0.7014% | 3,248 |
| Return on assets (ROA) | 0.7014% | 3,356 |
| Pretax return on assets | 0.9759% | 3,093 |
| Return on Equity (ROE) | 5.3597% | 3,931 |
| Retained earnings to average equity (ytd only) | 0.6408% | 4,935 |
| Net charge-offs to loans | 0.0155% | 6,315 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 293 |
| Efficiency ratio | 78.2678% | 3,307 |
| Assets per employee ($millions) | 1.7217% | 8,016 |
| Cash dividends to net income (ytd only)* | 88.0435% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 7,094 |
| Loan loss allowance to noncurrent loans | 203.7037% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 6,750 |
| Noncurrent loans to loans | 0.4017% | 6,504 |
| Net loans and leases to total assets | 51.6302% | 6,728 |
| Net loans and leases to deposits | 59.8882% | 6,898 |
| Net loans and leases to core deposits | 60.4872% | 7,435 |
| Total domestic deposits to total assets | 86.2110% | 2,666 |
| Equity capital to assets | 13.2662% | 1,575 |
| Core capital (leverage) ratio | 13.0663% | 1,409 |
| Tier 1 risk-based capital ratio | 26.4309% | 822 |
| Total risk-based capital ratio | 27.2794% | 835 |
| Memoranda: | ||
| Average total assets | $52,467,000 | 6,724 |
| Average earning assets | $46,809,330 | 6,756 |
| Average equity | $6,866,000 | 6,416 |
| Average total loans | $25,837,000 | 6,974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 6,066 |
| Cost of funding earning assets | 0.2979% | 8,157 |
| Net interest margin | 4.9628% | 442 |
| Noninterest income to average assets | 0.2648% | 6,331 |
| Noninterest expense to average assets | 3.6993% | 1,657 |
| Loan and lease loss provision to assets | 0.0605% | 6,199 |
| Net operating income to assets | 0.6128% | 3,965 |
| Return on assets (ROA) | 0.6128% | 4,153 |
| Pretax return on assets | 0.9154% | 3,662 |
| Return on Equity (ROE) | 4.7141% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.7141% | 3,290 |
| Net charge-offs to loans | -0.0158% | 7,380 |
| Credit loss provision to net charge-offs | -800.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1262% | 2,977 |
| Assets per employee ($millions) | 1.7435% | 8,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 6,989 |
| Loan loss allowance to noncurrent loans | 191.1504% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 6,633 |
| Noncurrent loans to loans | 0.4422% | 6,319 |
| Net loans and leases to total assets | 48.4438% | 6,990 |
| Net loans and leases to deposits | 56.0139% | 7,158 |
| Net loans and leases to core deposits | 56.5641% | 7,593 |
| Total domestic deposits to total assets | 86.4853% | 2,454 |
| Equity capital to assets | 13.2126% | 1,652 |
| Core capital (leverage) ratio | 13.1428% | 1,439 |
| Tier 1 risk-based capital ratio | 27.6076% | 781 |
| Total risk-based capital ratio | 28.4704% | 781 |
| Memoranda: | ||
| Average total assets | $52,875,500 | 6,744 |
| Average earning assets | $46,990,000 | 6,794 |
| Average equity | $6,873,000 | 6,449 |
| Average total loans | $25,312,000 | 7,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5294% | 7,227 |
| Cost of funding earning assets | 0.5029% | 8,191 |
| Net interest margin | 5.0265% | 477 |
| Noninterest income to average assets | 0.2902% | 6,389 |
| Noninterest expense to average assets | 3.9049% | 1,552 |
| Loan and lease loss provision to assets | 0.0281% | 7,051 |
| Net operating income to assets | 0.5859% | 4,366 |
| Return on assets (ROA) | 0.5859% | 4,234 |
| Pretax return on assets | 0.8293% | 3,961 |
| Return on Equity (ROE) | 4.4898% | 4,604 |
| Retained earnings to average equity (ytd only) | -8.3054% | 6,905 |
| Net charge-offs to loans | 0.0857% | 5,527 |
| Credit loss provision to net charge-offs | 75.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | 22.9000% | 1,444 |
| Efficiency ratio | 81.9969% | 2,304 |
| Assets per employee ($millions) | 1.7815% | 8,050 |
| Cash dividends to net income (ytd only)* | 284.9840% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 7,006 |
| Loan loss allowance to noncurrent loans | 2,957.1429% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 7,220 |
| Noncurrent loans to loans | 0.0279% | 7,400 |
| Net loans and leases to total assets | 46.5189% | 7,282 |
| Net loans and leases to deposits | 53.5092% | 7,467 |
| Net loans and leases to core deposits | 53.7603% | 7,809 |
| Total domestic deposits to total assets | 86.9361% | 1,965 |
| Equity capital to assets | 12.7888% | 1,873 |
| Core capital (leverage) ratio | 12.8275% | 1,605 |
| Tier 1 risk-based capital ratio | 27.4286% | 800 |
| Total risk-based capital ratio | 28.2599% | 809 |
| Memoranda: | ||
| Average total assets | $53,420,600 | 6,643 |
| Average earning assets | $47,527,800 | 6,686 |
| Average equity | $6,971,400 | 6,465 |
| Average total loans | $23,324,000 | 7,122 |