Home > The Clay City Banking Co. > Performance and Condition Ratios
The Clay City Banking Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 2,774 |
| Cost of funding earning assets | 1.7504% | 1,353 |
| Net interest margin | 2.9057% | 3,475 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.4044% | 2,577 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.5395% | 3,591 |
| Return on assets (ROA) | 0.5395% | 3,578 |
| Pretax return on assets | 0.7033% | 3,430 |
| Return on Equity (ROE) | 7.2700% | 3,218 |
| Retained earnings to average equity (ytd only) | 6.6745% | 2,000 |
| Net charge-offs to loans | 0.4246% | 239 |
| Credit loss provision to net charge-offs | 112.9747% | 1,738 |
| Earnings coverage of net charge-offs (x) | 3.4873% | 2,640 |
| Efficiency ratio | 69.7999% | 1,906 |
| Assets per employee ($millions) | 6.0842% | 2,749 |
| Cash dividends to net income (ytd only)* | 8.2240% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 3,810 |
| Loan loss allowance to noncurrent loans | 162.3932% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 1,437 |
| Noncurrent loans to loans | 0.5357% | 1,453 |
| Net loans and leases to total assets | 71.1800% | 1,674 |
| Net loans and leases to deposits | 77.6547% | 2,302 |
| Net loans and leases to core deposits | 82.0853% | 2,579 |
| Total domestic deposits to total assets | 91.6600% | 365 |
| Equity capital to assets | 7.8076% | 3,538 |
| Core capital (leverage) ratio | 10.0812% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5661% | 1,659 |
| Memoranda: | ||
| Average total assets | $211,863,600 | 2,901 |
| Average earning assets | $196,580,400 | 2,899 |
| Average equity | $15,716,600 | 3,205 |
| Average total loans | $148,834,200 | 2,686 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,835 |
| Cost of funding earning assets | 1.6467% | 1,289 |
| Net interest margin | 2.8886% | 3,572 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.3850% | 2,561 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7713% | 3,109 |
| Return on assets (ROA) | 0.7713% | 3,099 |
| Pretax return on assets | 1.0120% | 2,819 |
| Return on Equity (ROE) | 10.5400% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.7269% | 1,484 |
| Net charge-offs to loans | -0.0018% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.5516% | 1,838 |
| Assets per employee ($millions) | 5.7374% | 2,979 |
| Cash dividends to net income (ytd only)* | 7.6797% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 3,816 |
| Loan loss allowance to noncurrent loans | 81.2110% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 717 |
| Noncurrent loans to loans | 1.0756% | 741 |
| Net loans and leases to total assets | 71.4800% | 1,641 |
| Net loans and leases to deposits | 77.7452% | 2,271 |
| Net loans and leases to core deposits | 80.6392% | 2,553 |
| Total domestic deposits to total assets | 91.9400% | 464 |
| Equity capital to assets | 7.4705% | 3,372 |
| Core capital (leverage) ratio | 10.1036% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8573% | 1,604 |
| Memoranda: | ||
| Average total assets | $211,593,000 | 2,910 |
| Average earning assets | $196,350,500 | 2,907 |
| Average equity | $15,489,250 | 3,213 |
| Average total loans | $147,818,250 | 2,701 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 2,931 |
| Cost of funding earning assets | 1.5448% | 1,167 |
| Net interest margin | 2.8369% | 3,766 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.3603% | 2,617 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7577% | 3,199 |
| Return on assets (ROA) | 0.7577% | 3,219 |
| Pretax return on assets | 0.9931% | 2,932 |
| Return on Equity (ROE) | 10.4200% | 2,586 |
| Retained earnings to average equity (ytd only) | 9.7879% | 1,472 |
| Net charge-offs to loans | -0.0122% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.0529% | 1,758 |
| Assets per employee ($millions) | 6.1784% | 2,563 |
| Cash dividends to net income (ytd only)* | 6.0644% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 3,858 |
| Loan loss allowance to noncurrent loans | 81.3019% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 686 |
| Noncurrent loans to loans | 1.0701% | 685 |
| Net loans and leases to total assets | 69.1000% | 1,838 |
| Net loans and leases to deposits | 75.1762% | 2,391 |
| Net loans and leases to core deposits | 77.9268% | 2,617 |
| Total domestic deposits to total assets | 91.9200% | 429 |
| Equity capital to assets | 7.5205% | 3,505 |
| Core capital (leverage) ratio | 9.6309% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6944% | 1,653 |
| Memoranda: | ||
| Average total assets | $213,275,000 | 2,903 |
| Average earning assets | $197,825,000 | 2,904 |
| Average equity | $15,509,000 | 3,227 |
| Average total loans | $147,444,333 | 2,699 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 3,099 |
| Cost of funding earning assets | 1.4216% | 991 |
| Net interest margin | 2.7509% | 4,010 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.2617% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7762% | 3,271 |
| Return on assets (ROA) | 0.7762% | 3,227 |
| Pretax return on assets | 1.0201% | 2,935 |
| Return on Equity (ROE) | 10.8600% | 2,531 |
| Retained earnings to average equity (ytd only) | 9.5805% | 1,800 |
| Net charge-offs to loans | -0.0081% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.9166% | 1,868 |
| Assets per employee ($millions) | 6.3738% | 2,432 |
| Cash dividends to net income (ytd only)* | 11.7506% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 3,930 |
| Loan loss allowance to noncurrent loans | 91.7828% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 801 |
| Noncurrent loans to loans | 0.9474% | 796 |
| Net loans and leases to total assets | 65.8100% | 2,077 |
| Net loans and leases to deposits | 71.3575% | 2,518 |
| Net loans and leases to core deposits | 74.5954% | 2,637 |
| Total domestic deposits to total assets | 92.2200% | 466 |
| Equity capital to assets | 7.2369% | 3,709 |
| Core capital (leverage) ratio | 9.3754% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3902% | 1,833 |
| Memoranda: | ||
| Average total assets | $214,879,500 | 2,943 |
| Average earning assets | $199,206,500 | 2,936 |
| Average equity | $15,364,500 | 3,274 |
| Average total loans | $147,946,500 | 2,721 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 2,415 |
| Cost of funding earning assets | 0.5749% | 994 |
| Net interest margin | 3.1727% | 2,953 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.2494% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1020% | 2,164 |
| Return on assets (ROA) | 1.1020% | 2,100 |
| Pretax return on assets | 1.4774% | 1,523 |
| Return on Equity (ROE) | 14.6400% | 1,357 |
| Retained earnings to average equity (ytd only) | 14.0731% | 375 |
| Net charge-offs to loans | -0.0146% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.3583% | 3,004 |
| Assets per employee ($millions) | 6.2662% | 2,538 |
| Cash dividends to net income (ytd only)* | 3.8630% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,214 |
| Loan loss allowance to noncurrent loans | 75.8250% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 762 |
| Noncurrent loans to loans | 0.9169% | 809 |
| Net loans and leases to total assets | 70.8600% | 1,537 |
| Net loans and leases to deposits | 78.7145% | 1,878 |
| Net loans and leases to core deposits | 81.8370% | 2,014 |
| Total domestic deposits to total assets | 90.0200% | 1,355 |
| Equity capital to assets | 7.0622% | 3,636 |
| Core capital (leverage) ratio | 9.7361% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6129% | 2,120 |
| Memoranda: | ||
| Average total assets | $206,719,600 | 2,999 |
| Average earning assets | $192,043,200 | 2,991 |
| Average equity | $15,561,600 | 3,318 |
| Average total loans | $137,221,400 | 2,760 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 2,043 |
| Cost of funding earning assets | 0.3969% | 1,314 |
| Net interest margin | 3.3060% | 2,277 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.1059% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3045% | 1,338 |
| Return on assets (ROA) | 1.3045% | 1,304 |
| Pretax return on assets | 1.7640% | 793 |
| Return on Equity (ROE) | 17.0500% | 780 |
| Retained earnings to average equity (ytd only) | 16.3067% | 256 |
| Net charge-offs to loans | -0.0160% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4172% | 3,788 |
| Assets per employee ($millions) | 6.0535% | 2,715 |
| Cash dividends to net income (ytd only)* | 4.3847% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,179 |
| Loan loss allowance to noncurrent loans | 204.8638% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 1,975 |
| Noncurrent loans to loans | 0.3673% | 1,925 |
| Net loans and leases to total assets | 67.4900% | 1,732 |
| Net loans and leases to deposits | 73.0368% | 2,124 |
| Net loans and leases to core deposits | 75.2526% | 2,256 |
| Total domestic deposits to total assets | 92.4000% | 746 |
| Equity capital to assets | 7.0071% | 3,516 |
| Core capital (leverage) ratio | 9.0871% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3191% | 1,931 |
| Memoranda: | ||
| Average total assets | $205,137,000 | 3,032 |
| Average earning assets | $190,797,000 | 3,017 |
| Average equity | $15,690,500 | 3,346 |
| Average total loans | $133,519,500 | 2,796 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 1,646 |
| Cost of funding earning assets | 0.3272% | 1,461 |
| Net interest margin | 3.3351% | 1,805 |
| Noninterest income to average assets | 0.8082% | 1,021 |
| Noninterest expense to average assets | 1.9374% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4533% | 793 |
| Return on assets (ROA) | 1.4533% | 770 |
| Pretax return on assets | 1.9745% | 404 |
| Return on Equity (ROE) | 18.4816% | 420 |
| Retained earnings to average equity (ytd only) | 17.8734% | 119 |
| Net charge-offs to loans | -0.0183% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5259% | 4,279 |
| Assets per employee ($millions) | 6.2277% | 2,543 |
| Cash dividends to net income (ytd only)* | 3.2908% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 4,189 |
| Loan loss allowance to noncurrent loans | 209.8000% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,109 |
| Noncurrent loans to loans | 0.3761% | 2,014 |
| Net loans and leases to total assets | 64.1839% | 1,890 |
| Net loans and leases to deposits | 69.8142% | 2,225 |
| Net loans and leases to core deposits | 71.3528% | 2,386 |
| Total domestic deposits to total assets | 91.9353% | 858 |
| Equity capital to assets | 7.4097% | 3,528 |
| Core capital (leverage) ratio | 8.7847% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6263% | 1,826 |
| Memoranda: | ||
| Average total assets | $204,909,333 | 3,067 |
| Average earning assets | $190,701,333 | 3,059 |
| Average equity | $16,113,333 | 3,400 |
| Average total loans | $131,373,333 | 2,829 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 841 |
| Cost of funding earning assets | 0.2978% | 1,679 |
| Net interest margin | 3.6596% | 808 |
| Noninterest income to average assets | 0.8191% | 997 |
| Noninterest expense to average assets | 2.2150% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4604% | 695 |
| Return on assets (ROA) | 1.4604% | 689 |
| Pretax return on assets | 2.0156% | 340 |
| Return on Equity (ROE) | 18.0478% | 336 |
| Retained earnings to average equity (ytd only) | 16.8640% | 187 |
| Net charge-offs to loans | -0.0031% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3567% | 4,175 |
| Assets per employee ($millions) | 6.0640% | 2,753 |
| Cash dividends to net income (ytd only)* | 6.5596% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 4,214 |
| Loan loss allowance to noncurrent loans | 197.7143% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 2,156 |
| Noncurrent loans to loans | 0.4132% | 2,013 |
| Net loans and leases to total assets | 59.3802% | 2,135 |
| Net loans and leases to deposits | 65.7286% | 2,359 |
| Net loans and leases to core deposits | 66.8204% | 2,556 |
| Total domestic deposits to total assets | 90.3415% | 1,361 |
| Equity capital to assets | 7.4854% | 3,943 |
| Core capital (leverage) ratio | 8.8533% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4509% | 2,017 |
| Memoranda: | ||
| Average total assets | $204,607,000 | 3,075 |
| Average earning assets | $190,732,500 | 3,074 |
| Average equity | $16,556,000 | 3,431 |
| Average total loans | $130,582,000 | 2,843 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 2,837 |
| Cost of funding earning assets | 0.3347% | 2,069 |
| Net interest margin | 3.1010% | 2,898 |
| Noninterest income to average assets | 1.1373% | 811 |
| Noninterest expense to average assets | 2.7270% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9694% | 2,799 |
| Return on assets (ROA) | 0.9694% | 2,857 |
| Pretax return on assets | 1.2939% | 2,378 |
| Return on Equity (ROE) | 10.9231% | 2,188 |
| Retained earnings to average equity (ytd only) | 10.4307% | 813 |
| Net charge-offs to loans | -0.0235% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8197% | 2,009 |
| Assets per employee ($millions) | 5.6279% | 3,137 |
| Cash dividends to net income (ytd only)* | 4.5080% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 4,310 |
| Loan loss allowance to noncurrent loans | 50.8832% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 496 |
| Noncurrent loans to loans | 1.5198% | 591 |
| Net loans and leases to total assets | 67.5522% | 1,317 |
| Net loans and leases to deposits | 75.8455% | 1,579 |
| Net loans and leases to core deposits | 77.4858% | 1,805 |
| Total domestic deposits to total assets | 89.0656% | 1,479 |
| Equity capital to assets | 8.7448% | 3,846 |
| Core capital (leverage) ratio | 8.9099% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7348% | 2,348 |
| Memoranda: | ||
| Average total assets | $187,643,400 | 3,148 |
| Average earning assets | $174,492,600 | 3,134 |
| Average equity | $16,652,800 | 3,490 |
| Average total loans | $127,592,000 | 2,885 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 2,953 |
| Cost of funding earning assets | 0.3423% | 2,185 |
| Net interest margin | 3.1105% | 3,026 |
| Noninterest income to average assets | 1.1670% | 842 |
| Noninterest expense to average assets | 2.7003% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0123% | 2,858 |
| Return on assets (ROA) | 1.0123% | 2,925 |
| Pretax return on assets | 1.3562% | 2,474 |
| Return on Equity (ROE) | 11.3627% | 2,255 |
| Retained earnings to average equity (ytd only) | 10.7005% | 1,122 |
| Net charge-offs to loans | -0.0233% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5662% | 2,025 |
| Assets per employee ($millions) | 5.8296% | 2,854 |
| Cash dividends to net income (ytd only)* | 5.8280% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 4,310 |
| Loan loss allowance to noncurrent loans | 45.7944% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 492 |
| Noncurrent loans to loans | 1.8069% | 534 |
| Net loans and leases to total assets | 64.1087% | 1,760 |
| Net loans and leases to deposits | 72.2705% | 2,025 |
| Net loans and leases to core deposits | 73.8766% | 2,254 |
| Total domestic deposits to total assets | 88.7066% | 1,454 |
| Equity capital to assets | 8.9012% | 3,918 |
| Core capital (leverage) ratio | 8.8258% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2742% | 2,267 |
| Memoranda: | ||
| Average total assets | $185,310,500 | 3,201 |
| Average earning assets | $172,144,500 | 3,194 |
| Average equity | $16,509,750 | 3,551 |
| Average total loans | $125,965,500 | 2,935 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4349% | 3,069 |
| Cost of funding earning assets | 0.3538% | 2,281 |
| Net interest margin | 3.0812% | 3,085 |
| Noninterest income to average assets | 0.9970% | 1,076 |
| Noninterest expense to average assets | 2.7340% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8428% | 3,384 |
| Return on assets (ROA) | 0.8428% | 3,459 |
| Pretax return on assets | 1.1194% | 3,147 |
| Return on Equity (ROE) | 9.4572% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.8684% | 1,746 |
| Net charge-offs to loans | -0.0285% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9504% | 1,534 |
| Assets per employee ($millions) | 5.4444% | 3,190 |
| Cash dividends to net income (ytd only)* | 6.2257% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 4,341 |
| Loan loss allowance to noncurrent loans | 44.1860% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 530 |
| Noncurrent loans to loans | 1.8483% | 554 |
| Net loans and leases to total assets | 65.3918% | 1,770 |
| Net loans and leases to deposits | 73.7056% | 2,027 |
| Net loans and leases to core deposits | 75.3571% | 2,298 |
| Total domestic deposits to total assets | 88.7202% | 1,434 |
| Equity capital to assets | 8.7194% | 4,031 |
| Core capital (leverage) ratio | 8.6030% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2052% | 2,285 |
| Memoranda: | ||
| Average total assets | $182,954,667 | 3,225 |
| Average earning assets | $169,609,667 | 3,222 |
| Average equity | $16,305,000 | 3,577 |
| Average total loans | $126,500,667 | 2,941 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 3,031 |
| Cost of funding earning assets | 0.3659% | 2,396 |
| Net interest margin | 3.0984% | 2,990 |
| Noninterest income to average assets | 1.0114% | 1,112 |
| Noninterest expense to average assets | 2.8623% | 1,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7703% | 3,513 |
| Return on assets (ROA) | 0.7703% | 3,582 |
| Pretax return on assets | 1.0226% | 3,311 |
| Return on Equity (ROE) | 8.5449% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.4551% | 2,434 |
| Net charge-offs to loans | -0.0315% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6782% | 1,341 |
| Assets per employee ($millions) | 5.3567% | 3,273 |
| Cash dividends to net income (ytd only)* | 12.7536% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,373 |
| Loan loss allowance to noncurrent loans | 29.9823% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.8631% | 289 |
| Noncurrent loans to loans | 2.7218% | 317 |
| Net loans and leases to total assets | 65.9290% | 1,805 |
| Net loans and leases to deposits | 74.1062% | 2,109 |
| Net loans and leases to core deposits | 75.6714% | 2,381 |
| Total domestic deposits to total assets | 88.9655% | 1,357 |
| Equity capital to assets | 8.6306% | 4,021 |
| Core capital (leverage) ratio | 8.8658% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6296% | 2,434 |
| Memoranda: | ||
| Average total assets | $179,155,500 | 3,253 |
| Average earning assets | $166,150,000 | 3,251 |
| Average equity | $16,150,000 | 3,591 |
| Average total loans | $126,935,000 | 2,937 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 2,610 |
| Cost of funding earning assets | 0.6254% | 2,153 |
| Net interest margin | 3.4137% | 2,734 |
| Noninterest income to average assets | 0.8568% | 1,380 |
| Noninterest expense to average assets | 3.1552% | 1,134 |
| Loan and lease loss provision to assets | 0.0854% | 3,303 |
| Net operating income to assets | 0.5901% | 3,787 |
| Return on assets (ROA) | 0.5901% | 3,890 |
| Pretax return on assets | 0.7506% | 3,758 |
| Return on Equity (ROE) | 6.2298% | 3,507 |
| Retained earnings to average equity (ytd only) | 5.6757% | 1,956 |
| Net charge-offs to loans | 0.0619% | 1,892 |
| Credit loss provision to net charge-offs | 189.1892% | 2,216 |
| Earnings coverage of net charge-offs (x) | 18.5135% | 2,021 |
| Efficiency ratio | 79.0520% | 957 |
| Assets per employee ($millions) | 4.7452% | 3,667 |
| Cash dividends to net income (ytd only)* | 8.8935% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 4,464 |
| Loan loss allowance to noncurrent loans | 27.2162% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.2327% | 231 |
| Noncurrent loans to loans | 2.8628% | 322 |
| Net loans and leases to total assets | 75.0700% | 891 |
| Net loans and leases to deposits | 85.6142% | 1,282 |
| Net loans and leases to core deposits | 87.6309% | 1,729 |
| Total domestic deposits to total assets | 87.6840% | 1,618 |
| Equity capital to assets | 9.4359% | 3,674 |
| Core capital (leverage) ratio | 9.0060% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1898% | 2,558 |
| Memoranda: | ||
| Average total assets | $163,858,600 | 3,252 |
| Average earning assets | $150,452,200 | 3,259 |
| Average equity | $15,522,200 | 3,606 |
| Average total loans | $119,540,000 | 2,986 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 2,612 |
| Cost of funding earning assets | 0.6912% | 2,076 |
| Net interest margin | 3.4308% | 2,813 |
| Noninterest income to average assets | 0.7994% | 1,497 |
| Noninterest expense to average assets | 3.1910% | 1,086 |
| Loan and lease loss provision to assets | 0.0574% | 3,636 |
| Net operating income to assets | 0.5502% | 3,909 |
| Return on assets (ROA) | 0.5502% | 3,999 |
| Pretax return on assets | 0.6941% | 3,915 |
| Return on Equity (ROE) | 5.8022% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.0564% | 2,532 |
| Net charge-offs to loans | 0.0228% | 2,393 |
| Credit loss provision to net charge-offs | 350.0000% | 1,608 |
| Earnings coverage of net charge-offs (x) | 45.7000% | 1,258 |
| Efficiency ratio | 80.9345% | 803 |
| Assets per employee ($millions) | 4.8537% | 3,425 |
| Cash dividends to net income (ytd only)* | 12.8550% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 4,351 |
| Loan loss allowance to noncurrent loans | 24.3920% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.5742% | 204 |
| Noncurrent loans to loans | 3.3060% | 263 |
| Net loans and leases to total assets | 71.9021% | 1,678 |
| Net loans and leases to deposits | 81.6497% | 2,135 |
| Net loans and leases to core deposits | 83.9309% | 2,483 |
| Total domestic deposits to total assets | 88.0616% | 1,197 |
| Equity capital to assets | 9.3407% | 3,829 |
| Core capital (leverage) ratio | 8.9622% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1255% | 2,568 |
| Memoranda: | ||
| Average total assets | $162,116,750 | 3,252 |
| Average earning assets | $148,531,750 | 3,262 |
| Average equity | $15,373,000 | 3,621 |
| Average total loans | $117,113,500 | 3,021 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 2,551 |
| Cost of funding earning assets | 0.7856% | 1,900 |
| Net interest margin | 3.4828% | 2,847 |
| Noninterest income to average assets | 0.7735% | 1,505 |
| Noninterest expense to average assets | 3.1819% | 1,193 |
| Loan and lease loss provision to assets | 0.0627% | 3,508 |
| Net operating income to assets | 0.5604% | 3,862 |
| Return on assets (ROA) | 0.5604% | 3,939 |
| Pretax return on assets | 0.7083% | 3,856 |
| Return on Equity (ROE) | 5.8785% | 3,557 |
| Retained earnings to average equity (ytd only) | 5.1552% | 2,397 |
| Net charge-offs to loans | 0.0295% | 2,128 |
| Credit loss provision to net charge-offs | 294.1176% | 1,636 |
| Earnings coverage of net charge-offs (x) | 36.1765% | 1,310 |
| Efficiency ratio | 80.4948% | 853 |
| Assets per employee ($millions) | 4.5101% | 3,777 |
| Cash dividends to net income (ytd only)* | 12.3043% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,283 |
| Loan loss allowance to noncurrent loans | 35.0972% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.8967% | 405 |
| Noncurrent loans to loans | 2.3435% | 524 |
| Net loans and leases to total assets | 70.4536% | 1,962 |
| Net loans and leases to deposits | 80.1325% | 2,406 |
| Net loans and leases to core deposits | 83.6229% | 2,639 |
| Total domestic deposits to total assets | 87.9214% | 1,223 |
| Equity capital to assets | 9.3898% | 3,748 |
| Core capital (leverage) ratio | 9.0764% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3406% | 2,466 |
| Memoranda: | ||
| Average total assets | $159,528,667 | 3,254 |
| Average earning assets | $145,630,000 | 3,271 |
| Average equity | $15,208,000 | 3,639 |
| Average total loans | $115,104,333 | 3,034 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,299 |
| Cost of funding earning assets | 0.9116% | 1,810 |
| Net interest margin | 3.5926% | 2,691 |
| Noninterest income to average assets | 0.8187% | 1,258 |
| Noninterest expense to average assets | 3.3749% | 1,103 |
| Loan and lease loss provision to assets | 0.0770% | 2,762 |
| Net operating income to assets | 0.5056% | 3,876 |
| Return on assets (ROA) | 0.5056% | 3,935 |
| Pretax return on assets | 0.6339% | 3,851 |
| Return on Equity (ROE) | 5.2612% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.7924% | 2,763 |
| Net charge-offs to loans | 0.0776% | 1,250 |
| Credit loss provision to net charge-offs | 136.3636% | 1,633 |
| Earnings coverage of net charge-offs (x) | 12.5909% | 1,686 |
| Efficiency ratio | 82.6005% | 930 |
| Assets per employee ($millions) | 4.4070% | 3,403 |
| Cash dividends to net income (ytd only)* | 27.9188% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 4,294 |
| Loan loss allowance to noncurrent loans | 32.2910% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.1531% | 356 |
| Noncurrent loans to loans | 2.6127% | 443 |
| Net loans and leases to total assets | 70.3773% | 2,192 |
| Net loans and leases to deposits | 80.1906% | 2,656 |
| Net loans and leases to core deposits | 83.8748% | 2,863 |
| Total domestic deposits to total assets | 87.7625% | 1,205 |
| Equity capital to assets | 9.5776% | 4,151 |
| Core capital (leverage) ratio | 9.4901% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4579% | 2,499 |
| Memoranda: | ||
| Average total assets | $155,856,500 | 3,259 |
| Average earning assets | $141,734,000 | 3,286 |
| Average equity | $14,977,500 | 3,663 |
| Average total loans | $113,385,000 | 3,040 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 2,278 |
| Cost of funding earning assets | 1.0853% | 1,387 |
| Net interest margin | 3.6319% | 3,028 |
| Noninterest income to average assets | 0.8592% | 1,276 |
| Noninterest expense to average assets | 3.2608% | 1,381 |
| Loan and lease loss provision to assets | 0.0548% | 2,935 |
| Net operating income to assets | 0.6428% | 4,030 |
| Return on assets (ROA) | 0.6428% | 4,101 |
| Pretax return on assets | 0.8174% | 3,937 |
| Return on Equity (ROE) | 6.5494% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.8685% | 2,488 |
| Net charge-offs to loans | 0.0330% | 2,728 |
| Credit loss provision to net charge-offs | 216.2162% | 1,223 |
| Earnings coverage of net charge-offs (x) | 34.4324% | 1,445 |
| Efficiency ratio | 78.8968% | 1,046 |
| Assets per employee ($millions) | 4.2517% | 3,577 |
| Cash dividends to net income (ytd only)* | 25.6656% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,234 |
| Loan loss allowance to noncurrent loans | 29.8479% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.4010% | 281 |
| Noncurrent loans to loans | 2.7644% | 370 |
| Net loans and leases to total assets | 73.9725% | 1,760 |
| Net loans and leases to deposits | 84.4343% | 2,288 |
| Net loans and leases to core deposits | 89.1267% | 2,504 |
| Total domestic deposits to total assets | 87.6095% | 1,310 |
| Equity capital to assets | 9.6432% | 4,225 |
| Core capital (leverage) ratio | 9.6545% | 3,897 |
| Tier 1 risk-based capital ratio | 13.1671% | 3,700 |
| Total risk-based capital ratio | 14.0160% | 3,806 |
| Memoranda: | ||
| Average total assets | $146,069,800 | 3,344 |
| Average earning assets | $131,666,400 | 3,395 |
| Average equity | $14,337,200 | 3,705 |
| Average total loans | $112,233,000 | 3,049 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 2,319 |
| Cost of funding earning assets | 1.0883% | 1,394 |
| Net interest margin | 3.6434% | 3,118 |
| Noninterest income to average assets | 0.8592% | 1,242 |
| Noninterest expense to average assets | 3.2981% | 1,272 |
| Loan and lease loss provision to assets | 0.0462% | 2,977 |
| Net operating income to assets | 0.6273% | 4,223 |
| Return on assets (ROA) | 0.6273% | 4,273 |
| Pretax return on assets | 0.7963% | 4,124 |
| Return on Equity (ROE) | 6.3613% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.9842% | 2,896 |
| Net charge-offs to loans | 0.0215% | 2,677 |
| Credit loss provision to net charge-offs | 277.7778% | 1,001 |
| Earnings coverage of net charge-offs (x) | 50.6654% | 1,178 |
| Efficiency ratio | 79.6519% | 951 |
| Assets per employee ($millions) | 4.2719% | 3,521 |
| Cash dividends to net income (ytd only)* | 21.6500% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 4,280 |
| Loan loss allowance to noncurrent loans | 30.8789% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.4165% | 298 |
| Noncurrent loans to loans | 2.7136% | 396 |
| Net loans and leases to total assets | 73.6898% | 1,874 |
| Net loans and leases to deposits | 84.3190% | 2,418 |
| Net loans and leases to core deposits | 89.7127% | 2,567 |
| Total domestic deposits to total assets | 87.3940% | 1,315 |
| Equity capital to assets | 9.7802% | 4,228 |
| Core capital (leverage) ratio | 10.1102% | 3,522 |
| Tier 1 risk-based capital ratio | 13.2482% | 3,717 |
| Total risk-based capital ratio | 14.1026% | 3,826 |
| Memoranda: | ||
| Average total assets | $144,322,000 | 3,407 |
| Average earning assets | $129,983,750 | 3,465 |
| Average equity | $14,231,500 | 3,747 |
| Average total loans | $111,750,000 | 3,088 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 2,157 |
| Cost of funding earning assets | 1.0910% | 1,334 |
| Net interest margin | 3.6799% | 2,989 |
| Noninterest income to average assets | 0.8724% | 1,146 |
| Noninterest expense to average assets | 3.3130% | 1,263 |
| Loan and lease loss provision to assets | 0.0701% | 2,416 |
| Net operating income to assets | 0.6326% | 4,214 |
| Return on assets (ROA) | 0.6326% | 4,260 |
| Pretax return on assets | 0.8009% | 4,094 |
| Return on Equity (ROE) | 6.3967% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.7514% | 2,888 |
| Net charge-offs to loans | 0.0393% | 2,097 |
| Credit loss provision to net charge-offs | 227.2727% | 1,099 |
| Earnings coverage of net charge-offs (x) | 28.2273% | 1,515 |
| Efficiency ratio | 79.1820% | 1,041 |
| Assets per employee ($millions) | 4.0454% | 3,811 |
| Cash dividends to net income (ytd only)* | 25.7206% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,333 |
| Loan loss allowance to noncurrent loans | 24.1469% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 3.1867% | 172 |
| Noncurrent loans to loans | 3.4414% | 249 |
| Net loans and leases to total assets | 78.1305% | 1,197 |
| Net loans and leases to deposits | 87.7997% | 2,028 |
| Net loans and leases to core deposits | 90.0166% | 2,600 |
| Total domestic deposits to total assets | 88.9872% | 667 |
| Equity capital to assets | 10.1759% | 3,813 |
| Core capital (leverage) ratio | 10.0425% | 3,542 |
| Tier 1 risk-based capital ratio | 13.2427% | 3,715 |
| Total risk-based capital ratio | 14.1046% | 3,820 |
| Memoranda: | ||
| Average total assets | $142,590,670 | 3,453 |
| Average earning assets | $128,319,000 | 3,503 |
| Average equity | $14,101,000 | 3,774 |
| Average total loans | $111,963,670 | 3,101 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 2,042 |
| Cost of funding earning assets | 1.0647% | 1,313 |
| Net interest margin | 3.6921% | 2,922 |
| Noninterest income to average assets | 0.8442% | 1,177 |
| Noninterest expense to average assets | 3.4859% | 987 |
| Loan and lease loss provision to assets | 0.0559% | 2,550 |
| Net operating income to assets | 0.4976% | 4,532 |
| Return on assets (ROA) | 0.4976% | 4,552 |
| Pretax return on assets | 0.6178% | 4,478 |
| Return on Equity (ROE) | 5.1049% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.4128% | 3,555 |
| Net charge-offs to loans | 0.0535% | 1,520 |
| Credit loss provision to net charge-offs | 133.3333% | 1,335 |
| Earnings coverage of net charge-offs (x) | 16.0667% | 1,713 |
| Efficiency ratio | 83.8038% | 723 |
| Assets per employee ($millions) | 4.2018% | 3,626 |
| Cash dividends to net income (ytd only)* | 33.1461% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,460 |
| Loan loss allowance to noncurrent loans | 30.1133% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.6249% | 277 |
| Noncurrent loans to loans | 2.7222% | 439 |
| Net loans and leases to total assets | 76.5610% | 1,390 |
| Net loans and leases to deposits | 85.6406% | 2,177 |
| Net loans and leases to core deposits | 89.5181% | 2,550 |
| Total domestic deposits to total assets | 89.3980% | 693 |
| Equity capital to assets | 9.8544% | 3,963 |
| Core capital (leverage) ratio | 9.9661% | 3,640 |
| Tier 1 risk-based capital ratio | 13.1350% | 3,809 |
| Total risk-based capital ratio | 13.9785% | 3,923 |
| Memoranda: | ||
| Average total assets | $143,091,000 | 3,482 |
| Average earning assets | $128,490,500 | 3,542 |
| Average equity | $13,947,500 | 3,811 |
| Average total loans | $112,169,500 | 3,132 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 2,042 |
| Cost of funding earning assets | 0.8287% | 1,404 |
| Net interest margin | 3.8047% | 2,647 |
| Noninterest income to average assets | 0.5574% | 2,508 |
| Noninterest expense to average assets | 3.0651% | 1,884 |
| Loan and lease loss provision to assets | 0.3448% | 448 |
| Net operating income to assets | 0.4773% | 4,711 |
| Return on assets (ROA) | 0.4813% | 4,700 |
| Pretax return on assets | 0.5930% | 4,643 |
| Return on Equity (ROE) | 4.9696% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.7804% | 3,492 |
| Net charge-offs to loans | 0.5638% | 307 |
| Credit loss provision to net charge-offs | 77.1065% | 2,907 |
| Earnings coverage of net charge-offs (x) | 2.0859% | 3,556 |
| Efficiency ratio | 76.6673% | 1,272 |
| Assets per employee ($millions) | 4.0949% | 3,755 |
| Cash dividends to net income (ytd only)* | 23.9291% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 4,574 |
| Loan loss allowance to noncurrent loans | 67.6958% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 754 |
| Noncurrent loans to loans | 1.1643% | 1,383 |
| Net loans and leases to total assets | 78.9558% | 1,103 |
| Net loans and leases to deposits | 91.2427% | 1,640 |
| Net loans and leases to core deposits | 96.9857% | 1,967 |
| Total domestic deposits to total assets | 86.5338% | 2,000 |
| Equity capital to assets | 9.6405% | 4,014 |
| Core capital (leverage) ratio | 9.8472% | 3,749 |
| Tier 1 risk-based capital ratio | 12.8827% | 3,913 |
| Total risk-based capital ratio | 13.7134% | 4,028 |
| Memoranda: | ||
| Average total assets | $140,649,000 | 3,495 |
| Average earning assets | $127,186,000 | 3,538 |
| Average equity | $13,622,800 | 3,796 |
| Average total loans | $111,560,200 | 3,110 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 2,106 |
| Cost of funding earning assets | 0.7658% | 1,504 |
| Net interest margin | 3.7934% | 2,671 |
| Noninterest income to average assets | 0.7258% | 1,769 |
| Noninterest expense to average assets | 3.2461% | 1,417 |
| Loan and lease loss provision to assets | 0.0238% | 3,548 |
| Net operating income to assets | 0.6948% | 4,237 |
| Return on assets (ROA) | 0.7001% | 4,230 |
| Pretax return on assets | 0.9020% | 4,014 |
| Return on Equity (ROE) | 7.2194% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.7755% | 2,772 |
| Net charge-offs to loans | 0.1118% | 1,378 |
| Credit loss provision to net charge-offs | 26.8817% | 2,982 |
| Earnings coverage of net charge-offs (x) | 10.3760% | 2,588 |
| Efficiency ratio | 77.9328% | 1,125 |
| Assets per employee ($millions) | 3.9865% | 3,911 |
| Cash dividends to net income (ytd only)* | 20.0004% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,417 |
| Loan loss allowance to noncurrent loans | 51.5055% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.9301% | 565 |
| Noncurrent loans to loans | 1.6697% | 930 |
| Net loans and leases to total assets | 80.5546% | 938 |
| Net loans and leases to deposits | 91.5979% | 1,672 |
| Net loans and leases to core deposits | 97.6643% | 1,969 |
| Total domestic deposits to total assets | 87.9437% | 1,257 |
| Equity capital to assets | 9.8689% | 3,767 |
| Core capital (leverage) ratio | 10.0378% | 3,596 |
| Tier 1 risk-based capital ratio | 13.0577% | 3,871 |
| Total risk-based capital ratio | 13.9659% | 3,971 |
| Memoranda: | ||
| Average total assets | $139,980,750 | 3,543 |
| Average earning assets | $126,917,750 | 3,580 |
| Average equity | $13,574,250 | 3,832 |
| Average total loans | $110,935,250 | 3,145 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 2,133 |
| Cost of funding earning assets | 0.7135% | 1,553 |
| Net interest margin | 3.7721% | 2,659 |
| Noninterest income to average assets | 0.7336% | 1,721 |
| Noninterest expense to average assets | 3.1713% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7582% | 4,005 |
| Return on assets (ROA) | 0.7650% | 3,982 |
| Pretax return on assets | 0.9891% | 3,699 |
| Return on Equity (ROE) | 7.9355% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.1360% | 2,008 |
| Net charge-offs to loans | 0.1453% | 1,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.5875% | 2,459 |
| Efficiency ratio | 76.3836% | 1,378 |
| Assets per employee ($millions) | 4.0799% | 3,761 |
| Cash dividends to net income (ytd only)* | 10.0746% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,461 |
| Loan loss allowance to noncurrent loans | 80.5858% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 931 |
| Noncurrent loans to loans | 1.0818% | 1,629 |
| Net loans and leases to total assets | 76.6838% | 1,533 |
| Net loans and leases to deposits | 85.4651% | 2,380 |
| Net loans and leases to core deposits | 91.2540% | 2,466 |
| Total domestic deposits to total assets | 89.7253% | 660 |
| Equity capital to assets | 9.6024% | 4,002 |
| Core capital (leverage) ratio | 10.0122% | 3,567 |
| Tier 1 risk-based capital ratio | 12.8047% | 4,006 |
| Total risk-based capital ratio | 13.6910% | 4,114 |
| Memoranda: | ||
| Average total assets | $140,131,330 | 3,572 |
| Average earning assets | $126,983,330 | 3,604 |
| Average equity | $13,509,000 | 3,866 |
| Average total loans | $110,123,000 | 3,170 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 2,001 |
| Cost of funding earning assets | 0.6791% | 1,547 |
| Net interest margin | 3.7783% | 2,510 |
| Noninterest income to average assets | 0.7378% | 1,668 |
| Noninterest expense to average assets | 3.1758% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7334% | 3,971 |
| Return on assets (ROA) | 0.7493% | 3,911 |
| Pretax return on assets | 0.9971% | 3,542 |
| Return on Equity (ROE) | 7.7569% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.1458% | 2,648 |
| Net charge-offs to loans | 0.2146% | 696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.7458% | 2,205 |
| Efficiency ratio | 76.4747% | 1,529 |
| Assets per employee ($millions) | 4.0560% | 3,880 |
| Cash dividends to net income (ytd only)* | 20.7692% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,405 |
| Loan loss allowance to noncurrent loans | 80.0813% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 859 |
| Noncurrent loans to loans | 1.1356% | 1,615 |
| Net loans and leases to total assets | 77.8266% | 1,270 |
| Net loans and leases to deposits | 86.8340% | 2,067 |
| Net loans and leases to core deposits | 89.4063% | 2,501 |
| Total domestic deposits to total assets | 89.6268% | 825 |
| Equity capital to assets | 9.7445% | 3,843 |
| Core capital (leverage) ratio | 9.8475% | 3,712 |
| Tier 1 risk-based capital ratio | 12.8117% | 4,056 |
| Total risk-based capital ratio | 13.7372% | 4,153 |
| Memoranda: | ||
| Average total assets | $138,798,000 | 3,626 |
| Average earning assets | $125,454,500 | 3,658 |
| Average equity | $13,407,500 | 3,913 |
| Average total loans | $109,951,500 | 3,190 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 1,931 |
| Cost of funding earning assets | 0.6193% | 1,477 |
| Net interest margin | 3.8136% | 2,378 |
| Noninterest income to average assets | 0.7005% | 1,960 |
| Noninterest expense to average assets | 3.0017% | 2,164 |
| Loan and lease loss provision to assets | 0.1219% | 1,875 |
| Net operating income to assets | 0.8047% | 3,136 |
| Return on assets (ROA) | 0.8439% | 3,002 |
| Pretax return on assets | 1.0856% | 3,245 |
| Return on Equity (ROE) | 8.8590% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.5713% | 898 |
| Net charge-offs to loans | 0.2103% | 1,239 |
| Credit loss provision to net charge-offs | 74.3243% | 3,027 |
| Earnings coverage of net charge-offs (x) | 7.0541% | 3,098 |
| Efficiency ratio | 72.1748% | 2,194 |
| Assets per employee ($millions) | 4.1086% | 3,798 |
| Cash dividends to net income (ytd only)* | 14.5359% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 4,293 |
| Loan loss allowance to noncurrent loans | 82.6466% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.7166% | 741 |
| Noncurrent loans to loans | 1.1309% | 1,564 |
| Net loans and leases to total assets | 79.1377% | 1,090 |
| Net loans and leases to deposits | 90.4064% | 1,724 |
| Net loans and leases to core deposits | 93.2431% | 2,262 |
| Total domestic deposits to total assets | 87.5354% | 1,746 |
| Equity capital to assets | 9.5761% | 4,163 |
| Core capital (leverage) ratio | 9.8012% | 3,695 |
| Tier 1 risk-based capital ratio | 11.9389% | 4,573 |
| Total risk-based capital ratio | 12.8662% | 4,668 |
| Memoranda: | ||
| Average total assets | $135,322,600 | 3,675 |
| Average earning assets | $122,720,000 | 3,701 |
| Average equity | $12,890,800 | 4,000 |
| Average total loans | $105,555,400 | 3,257 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 1,952 |
| Cost of funding earning assets | 0.6036% | 1,508 |
| Net interest margin | 3.7998% | 2,403 |
| Noninterest income to average assets | 0.7052% | 1,972 |
| Noninterest expense to average assets | 2.9709% | 2,188 |
| Loan and lease loss provision to assets | 0.0695% | 2,687 |
| Net operating income to assets | 0.7352% | 3,795 |
| Return on assets (ROA) | 0.7797% | 3,653 |
| Pretax return on assets | 1.1840% | 2,968 |
| Return on Equity (ROE) | 8.1966% | 3,024 |
| Retained earnings to average equity (ytd only) | 6.9958% | 1,690 |
| Net charge-offs to loans | 0.2691% | 806 |
| Credit loss provision to net charge-offs | 33.3333% | 3,058 |
| Earnings coverage of net charge-offs (x) | 5.6858% | 3,069 |
| Efficiency ratio | 71.4695% | 2,286 |
| Assets per employee ($millions) | 4.1037% | 3,820 |
| Cash dividends to net income (ytd only)* | 14.6497% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 4,572 |
| Loan loss allowance to noncurrent loans | 74.9219% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.7878% | 780 |
| Noncurrent loans to loans | 1.2016% | 1,591 |
| Net loans and leases to total assets | 77.9547% | 1,280 |
| Net loans and leases to deposits | 87.6992% | 2,102 |
| Net loans and leases to core deposits | 91.0963% | 2,519 |
| Total domestic deposits to total assets | 88.8887% | 935 |
| Equity capital to assets | 9.7149% | 4,232 |
| Core capital (leverage) ratio | 9.7602% | 3,870 |
| Tier 1 risk-based capital ratio | 11.9986% | 4,622 |
| Total risk-based capital ratio | 12.8755% | 4,754 |
| Memoranda: | ||
| Average total assets | $134,230,250 | 3,723 |
| Average earning assets | $121,931,750 | 3,754 |
| Average equity | $12,769,250 | 4,053 |
| Average total loans | $104,046,250 | 3,305 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 1,970 |
| Cost of funding earning assets | 0.5804% | 1,573 |
| Net interest margin | 3.7715% | 2,399 |
| Noninterest income to average assets | 0.7278% | 1,872 |
| Noninterest expense to average assets | 2.8274% | 2,660 |
| Loan and lease loss provision to assets | 0.0598% | 2,768 |
| Net operating income to assets | 0.8488% | 3,159 |
| Return on assets (ROA) | 0.8488% | 3,209 |
| Pretax return on assets | 1.2687% | 2,502 |
| Return on Equity (ROE) | 8.9871% | 2,515 |
| Retained earnings to average equity (ytd only) | 7.2150% | 1,488 |
| Net charge-offs to loans | 0.1008% | 1,614 |
| Credit loss provision to net charge-offs | 76.9231% | 2,295 |
| Earnings coverage of net charge-offs (x) | 17.0962% | 1,942 |
| Efficiency ratio | 68.0331% | 3,006 |
| Assets per employee ($millions) | 3.9193% | 4,101 |
| Cash dividends to net income (ytd only)* | 19.7183% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,882 |
| Loan loss allowance to noncurrent loans | 44.3539% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.8708% | 716 |
| Noncurrent loans to loans | 2.3540% | 666 |
| Net loans and leases to total assets | 77.3821% | 1,335 |
| Net loans and leases to deposits | 88.5984% | 1,909 |
| Net loans and leases to core deposits | 91.0638% | 2,421 |
| Total domestic deposits to total assets | 87.3403% | 1,783 |
| Equity capital to assets | 9.7593% | 4,166 |
| Core capital (leverage) ratio | 9.7491% | 3,836 |
| Tier 1 risk-based capital ratio | 11.9283% | 4,679 |
| Total risk-based capital ratio | 12.9336% | 4,731 |
| Memoranda: | ||
| Average total assets | $133,833,330 | 3,753 |
| Average earning assets | $121,647,670 | 3,774 |
| Average equity | $12,640,330 | 4,091 |
| Average total loans | $103,219,670 | 3,336 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 2,283 |
| Cost of funding earning assets | 0.5655% | 1,617 |
| Net interest margin | 3.6331% | 2,765 |
| Noninterest income to average assets | 0.7337% | 1,811 |
| Noninterest expense to average assets | 2.8154% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7963% | 3,237 |
| Return on assets (ROA) | 0.7963% | 3,292 |
| Pretax return on assets | 1.2138% | 2,535 |
| Return on Equity (ROE) | 8.5728% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.9767% | 2,908 |
| Net charge-offs to loans | 0.1207% | 1,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.1290% | 1,804 |
| Efficiency ratio | 69.8742% | 2,917 |
| Assets per employee ($millions) | 4.1651% | 3,732 |
| Cash dividends to net income (ytd only)* | 41.9476% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,871 |
| Loan loss allowance to noncurrent loans | 30.6304% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 2.7100% | 393 |
| Noncurrent loans to loans | 3.5004% | 348 |
| Net loans and leases to total assets | 74.0021% | 1,745 |
| Net loans and leases to deposits | 82.1914% | 2,484 |
| Net loans and leases to core deposits | 84.5670% | 2,851 |
| Total domestic deposits to total assets | 90.0363% | 644 |
| Equity capital to assets | 9.4542% | 4,332 |
| Core capital (leverage) ratio | 9.3809% | 4,250 |
| Tier 1 risk-based capital ratio | 11.8034% | 4,848 |
| Total risk-based capital ratio | 12.8032% | 4,900 |
| Memoranda: | ||
| Average total assets | $134,121,500 | 3,776 |
| Average earning assets | $121,660,500 | 3,818 |
| Average equity | $12,458,000 | 4,142 |
| Average total loans | $102,727,000 | 3,370 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 2,191 |
| Cost of funding earning assets | 0.5805% | 1,482 |
| Net interest margin | 3.7043% | 2,679 |
| Noninterest income to average assets | 0.7766% | 1,847 |
| Noninterest expense to average assets | 3.1532% | 1,888 |
| Loan and lease loss provision to assets | 0.1555% | 1,604 |
| Net operating income to assets | 0.6987% | 3,793 |
| Return on assets (ROA) | 0.7144% | 3,834 |
| Pretax return on assets | 0.8359% | 4,065 |
| Return on Equity (ROE) | 7.9458% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.7510% | 2,509 |
| Net charge-offs to loans | 0.0713% | 2,675 |
| Credit loss provision to net charge-offs | 280.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 17.5200% | 2,040 |
| Efficiency ratio | 76.4220% | 1,920 |
| Assets per employee ($millions) | 4.0897% | 3,805 |
| Cash dividends to net income (ytd only)* | 40.2073% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,073 |
| Loan loss allowance to noncurrent loans | 31.3748% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.6704% | 429 |
| Noncurrent loans to loans | 3.3153% | 373 |
| Net loans and leases to total assets | 77.5436% | 1,279 |
| Net loans and leases to deposits | 87.9333% | 1,934 |
| Net loans and leases to core deposits | 91.0239% | 2,404 |
| Total domestic deposits to total assets | 88.1846% | 1,542 |
| Equity capital to assets | 9.1250% | 4,674 |
| Core capital (leverage) ratio | 9.2888% | 4,362 |
| Tier 1 risk-based capital ratio | 11.2415% | 5,195 |
| Total risk-based capital ratio | 12.2426% | 5,241 |
| Memoranda: | ||
| Average total assets | $135,070,600 | 3,753 |
| Average earning assets | $122,127,600 | 3,788 |
| Average equity | $12,144,800 | 4,230 |
| Average total loans | $105,116,600 | 3,292 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,190 |
| Cost of funding earning assets | 0.5804% | 1,480 |
| Net interest margin | 3.7093% | 2,682 |
| Noninterest income to average assets | 0.6711% | 2,305 |
| Noninterest expense to average assets | 3.2598% | 1,652 |
| Loan and lease loss provision to assets | 0.1086% | 2,116 |
| Net operating income to assets | 0.5321% | 4,567 |
| Return on assets (ROA) | 0.5329% | 4,666 |
| Pretax return on assets | 0.6593% | 4,716 |
| Return on Equity (ROE) | 5.9491% | 4,093 |
| Retained earnings to average equity (ytd only) | 1.9500% | 4,711 |
| Net charge-offs to loans | 0.0673% | 2,365 |
| Credit loss provision to net charge-offs | 207.5472% | 1,407 |
| Earnings coverage of net charge-offs (x) | 14.6613% | 2,230 |
| Efficiency ratio | 80.9559% | 1,305 |
| Assets per employee ($millions) | 4.0888% | 3,809 |
| Cash dividends to net income (ytd only)* | 67.2227% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,592 |
| Loan loss allowance to noncurrent loans | 21.4031% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 3.6114% | 265 |
| Noncurrent loans to loans | 4.5092% | 211 |
| Net loans and leases to total assets | 77.7221% | 1,245 |
| Net loans and leases to deposits | 88.2412% | 1,986 |
| Net loans and leases to core deposits | 91.9849% | 2,379 |
| Total domestic deposits to total assets | 88.0792% | 1,362 |
| Equity capital to assets | 9.0208% | 5,157 |
| Core capital (leverage) ratio | 8.8015% | 5,052 |
| Tier 1 risk-based capital ratio | 10.8895% | 5,431 |
| Total risk-based capital ratio | 11.8207% | 5,504 |
| Memoranda: | ||
| Average total assets | $135,098,500 | 3,768 |
| Average earning assets | $122,211,000 | 3,812 |
| Average equity | $12,102,250 | 4,274 |
| Average total loans | $104,957,750 | 3,309 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,316 |
| Cost of funding earning assets | 0.5746% | 1,504 |
| Net interest margin | 3.6800% | 2,784 |
| Noninterest income to average assets | 0.6837% | 2,218 |
| Noninterest expense to average assets | 3.0928% | 2,084 |
| Loan and lease loss provision to assets | 0.0740% | 2,659 |
| Net operating income to assets | 0.6455% | 4,061 |
| Return on assets (ROA) | 0.6467% | 4,198 |
| Pretax return on assets | 0.8450% | 4,142 |
| Return on Equity (ROE) | 7.2357% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.1856% | 4,478 |
| Net charge-offs to loans | 0.1529% | 1,413 |
| Credit loss provision to net charge-offs | 62.5000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,596 |
| Efficiency ratio | 77.1218% | 1,912 |
| Assets per employee ($millions) | 4.0119% | 3,879 |
| Cash dividends to net income (ytd only)* | 69.7941% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 5,018 |
| Loan loss allowance to noncurrent loans | 38.8128% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.8423% | 921 |
| Noncurrent loans to loans | 2.2634% | 813 |
| Net loans and leases to total assets | 77.3414% | 1,287 |
| Net loans and leases to deposits | 89.8756% | 1,769 |
| Net loans and leases to core deposits | 94.1088% | 2,155 |
| Total domestic deposits to total assets | 86.0538% | 2,397 |
| Equity capital to assets | 8.9250% | 5,296 |
| Core capital (leverage) ratio | 8.8822% | 4,959 |
| Tier 1 risk-based capital ratio | 10.7408% | 5,559 |
| Total risk-based capital ratio | 11.5843% | 5,660 |
| Memoranda: | ||
| Average total assets | $135,154,000 | 3,791 |
| Average earning assets | $122,172,330 | 3,843 |
| Average equity | $12,079,000 | 4,304 |
| Average total loans | $104,645,670 | 3,327 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,304 |
| Cost of funding earning assets | 0.5708% | 1,538 |
| Net interest margin | 3.6786% | 2,759 |
| Noninterest income to average assets | 0.6631% | 2,205 |
| Noninterest expense to average assets | 3.0001% | 2,392 |
| Loan and lease loss provision to assets | 0.0743% | 2,474 |
| Net operating income to assets | 0.6846% | 3,793 |
| Return on assets (ROA) | 0.6868% | 3,897 |
| Pretax return on assets | 0.9069% | 3,821 |
| Return on Equity (ROE) | 7.6798% | 3,095 |
| Retained earnings to average equity (ytd only) | 5.9843% | 2,380 |
| Net charge-offs to loans | -0.0077% | 4,429 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4111% | 2,266 |
| Assets per employee ($millions) | 3.9643% | 4,014 |
| Cash dividends to net income (ytd only)* | 22.0779% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 4,802 |
| Loan loss allowance to noncurrent loans | 47.4892% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.6434% | 1,198 |
| Noncurrent loans to loans | 2.0234% | 1,049 |
| Net loans and leases to total assets | 75.9350% | 1,400 |
| Net loans and leases to deposits | 87.6388% | 1,870 |
| Net loans and leases to core deposits | 91.1324% | 2,263 |
| Total domestic deposits to total assets | 86.6454% | 2,384 |
| Equity capital to assets | 8.9928% | 5,175 |
| Core capital (leverage) ratio | 8.9200% | 4,948 |
| Tier 1 risk-based capital ratio | 11.0362% | 5,484 |
| Total risk-based capital ratio | 11.9529% | 5,574 |
| Memoranda: | ||
| Average total assets | $134,529,500 | 3,823 |
| Average earning assets | $121,240,500 | 3,883 |
| Average equity | $12,031,500 | 4,331 |
| Average total loans | $103,753,000 | 3,361 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,580 |
| Cost of funding earning assets | 0.5485% | 1,776 |
| Net interest margin | 3.6461% | 2,958 |
| Noninterest income to average assets | 0.6265% | 2,581 |
| Noninterest expense to average assets | 3.2293% | 1,890 |
| Loan and lease loss provision to assets | 0.0387% | 3,563 |
| Net operating income to assets | 0.5416% | 4,534 |
| Return on assets (ROA) | 0.6567% | 4,100 |
| Pretax return on assets | 0.7868% | 4,229 |
| Return on Equity (ROE) | 7.2541% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.1933% | 1,708 |
| Net charge-offs to loans | 0.0711% | 2,824 |
| Credit loss provision to net charge-offs | 73.5294% | 3,063 |
| Earnings coverage of net charge-offs (x) | 13.0441% | 2,403 |
| Efficiency ratio | 82.4600% | 1,349 |
| Assets per employee ($millions) | 4.0689% | 3,819 |
| Cash dividends to net income (ytd only)* | 14.6226% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,989 |
| Loan loss allowance to noncurrent loans | 44.0639% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7360% | 1,103 |
| Noncurrent loans to loans | 2.1025% | 978 |
| Net loans and leases to total assets | 76.8570% | 1,277 |
| Net loans and leases to deposits | 90.7332% | 1,533 |
| Net loans and leases to core deposits | 93.8949% | 2,055 |
| Total domestic deposits to total assets | 84.7066% | 3,204 |
| Equity capital to assets | 8.8938% | 5,230 |
| Core capital (leverage) ratio | 9.2757% | 4,506 |
| Tier 1 risk-based capital ratio | 10.5398% | 5,757 |
| Total risk-based capital ratio | 11.4036% | 5,839 |
| Memoranda: | ||
| Average total assets | $129,131,600 | 3,901 |
| Average earning assets | $116,507,800 | 3,960 |
| Average equity | $11,690,000 | 4,356 |
| Average total loans | $95,640,200 | 3,465 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,554 |
| Cost of funding earning assets | 0.5493% | 1,810 |
| Net interest margin | 3.6575% | 2,930 |
| Noninterest income to average assets | 0.6038% | 2,718 |
| Noninterest expense to average assets | 3.1714% | 2,045 |
| Loan and lease loss provision to assets | 0.0521% | 3,152 |
| Net operating income to assets | 0.5868% | 4,445 |
| Return on assets (ROA) | 0.6894% | 4,064 |
| Pretax return on assets | 0.7968% | 4,350 |
| Return on Equity (ROE) | 7.5799% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.8116% | 1,782 |
| Net charge-offs to loans | 0.0898% | 2,268 |
| Credit loss provision to net charge-offs | 79.3651% | 2,621 |
| Earnings coverage of net charge-offs (x) | 11.1267% | 2,529 |
| Efficiency ratio | 81.2667% | 1,492 |
| Assets per employee ($millions) | 3.5679% | 4,675 |
| Cash dividends to net income (ytd only)* | 10.1360% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,730 |
| Loan loss allowance to noncurrent loans | 41.0669% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9121% | 1,092 |
| Noncurrent loans to loans | 2.4416% | 840 |
| Net loans and leases to total assets | 74.5630% | 1,631 |
| Net loans and leases to deposits | 84.8094% | 2,305 |
| Net loans and leases to core deposits | 88.1885% | 2,644 |
| Total domestic deposits to total assets | 87.9184% | 1,605 |
| Equity capital to assets | 9.2282% | 5,084 |
| Core capital (leverage) ratio | 9.1767% | 4,766 |
| Tier 1 risk-based capital ratio | 11.3739% | 5,444 |
| Total risk-based capital ratio | 12.3216% | 5,515 |
| Memoranda: | ||
| Average total assets | $127,846,000 | 3,973 |
| Average earning assets | $115,303,750 | 4,016 |
| Average equity | $11,627,000 | 4,420 |
| Average total loans | $93,509,250 | 3,546 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,616 |
| Cost of funding earning assets | 0.5431% | 1,879 |
| Net interest margin | 3.6369% | 2,954 |
| Noninterest income to average assets | 0.5374% | 3,124 |
| Noninterest expense to average assets | 3.0396% | 2,428 |
| Loan and lease loss provision to assets | 0.0783% | 2,554 |
| Net operating income to assets | 0.6847% | 3,963 |
| Return on assets (ROA) | 0.6847% | 4,076 |
| Pretax return on assets | 0.7035% | 4,638 |
| Return on Equity (ROE) | 7.5660% | 3,279 |
| Retained earnings to average equity (ytd only) | 6.9600% | 1,720 |
| Net charge-offs to loans | 0.2120% | 1,200 |
| Credit loss provision to net charge-offs | 51.0204% | 2,692 |
| Earnings coverage of net charge-offs (x) | 5.0918% | 2,960 |
| Efficiency ratio | 79.5408% | 1,825 |
| Assets per employee ($millions) | 3.5121% | 4,764 |
| Cash dividends to net income (ytd only)* | 8.0092% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 4,903 |
| Loan loss allowance to noncurrent loans | 32.4766% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 2.3134% | 866 |
| Noncurrent loans to loans | 3.0561% | 645 |
| Net loans and leases to total assets | 73.7691% | 1,697 |
| Net loans and leases to deposits | 85.4731% | 2,112 |
| Net loans and leases to core deposits | 88.2821% | 2,527 |
| Total domestic deposits to total assets | 86.3068% | 2,524 |
| Equity capital to assets | 9.2474% | 4,959 |
| Core capital (leverage) ratio | 9.1343% | 4,769 |
| Tier 1 risk-based capital ratio | 11.7161% | 5,329 |
| Total risk-based capital ratio | 12.6726% | 5,439 |
| Memoranda: | ||
| Average total assets | $127,647,000 | 4,004 |
| Average earning assets | $115,264,330 | 4,046 |
| Average equity | $11,551,670 | 4,460 |
| Average total loans | $92,432,000 | 3,589 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 3,283 |
| Cost of funding earning assets | 0.5420% | 1,914 |
| Net interest margin | 3.4421% | 3,658 |
| Noninterest income to average assets | 0.5676% | 2,852 |
| Noninterest expense to average assets | 2.8756% | 2,989 |
| Loan and lease loss provision to assets | 0.1559% | 1,304 |
| Net operating income to assets | 0.8171% | 3,172 |
| Return on assets (ROA) | 0.8171% | 3,299 |
| Pretax return on assets | 0.6456% | 4,781 |
| Return on Equity (ROE) | 9.1277% | 2,391 |
| Retained earnings to average equity (ytd only) | 7.9084% | 1,603 |
| Net charge-offs to loans | 0.3670% | 669 |
| Credit loss provision to net charge-offs | 59.5238% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.0595% | 2,661 |
| Efficiency ratio | 78.2019% | 2,157 |
| Assets per employee ($millions) | 3.6391% | 4,640 |
| Cash dividends to net income (ytd only)* | 13.3588% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,773 |
| Loan loss allowance to noncurrent loans | 35.6499% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0670% | 1,131 |
| Noncurrent loans to loans | 2.9398% | 755 |
| Net loans and leases to total assets | 68.3943% | 2,382 |
| Net loans and leases to deposits | 76.0370% | 3,050 |
| Net loans and leases to core deposits | 77.8227% | 3,400 |
| Total domestic deposits to total assets | 89.9487% | 765 |
| Equity capital to assets | 8.8720% | 5,422 |
| Core capital (leverage) ratio | 8.8876% | 5,087 |
| Tier 1 risk-based capital ratio | 11.5657% | 5,514 |
| Total risk-based capital ratio | 12.5391% | 5,578 |
| Memoranda: | ||
| Average total assets | $128,253,000 | 4,021 |
| Average earning assets | $115,860,500 | 4,065 |
| Average equity | $11,481,500 | 4,512 |
| Average total loans | $91,545,500 | 3,621 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 3,149 |
| Cost of funding earning assets | 0.5806% | 1,945 |
| Net interest margin | 3.5638% | 3,546 |
| Noninterest income to average assets | 0.7529% | 2,062 |
| Noninterest expense to average assets | 2.9267% | 3,062 |
| Loan and lease loss provision to assets | 0.0696% | 3,091 |
| Net operating income to assets | 0.6755% | 4,011 |
| Return on assets (ROA) | 0.7178% | 3,912 |
| Pretax return on assets | 1.0648% | 3,232 |
| Return on Equity (ROE) | 8.0639% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.6042% | 1,161 |
| Net charge-offs to loans | -0.0011% | 5,347 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2037% | 2,982 |
| Assets per employee ($millions) | 3.6911% | 4,542 |
| Cash dividends to net income (ytd only)* | 5.7013% | 4,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,754 |
| Loan loss allowance to noncurrent loans | 35.3597% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 2.2518% | 1,077 |
| Noncurrent loans to loans | 3.0041% | 746 |
| Net loans and leases to total assets | 72.9549% | 1,765 |
| Net loans and leases to deposits | 82.2711% | 2,442 |
| Net loans and leases to core deposits | 84.6277% | 2,833 |
| Total domestic deposits to total assets | 88.6763% | 1,425 |
| Equity capital to assets | 9.0360% | 5,246 |
| Core capital (leverage) ratio | 9.0227% | 4,962 |
| Tier 1 risk-based capital ratio | 11.5582% | 5,627 |
| Total risk-based capital ratio | 12.5864% | 5,670 |
| Memoranda: | ||
| Average total assets | $122,186,400 | 4,136 |
| Average earning assets | $111,259,000 | 4,155 |
| Average equity | $10,875,600 | 4,589 |
| Average total loans | $88,985,000 | 3,657 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 3,126 |
| Cost of funding earning assets | 0.5818% | 2,005 |
| Net interest margin | 3.5797% | 3,506 |
| Noninterest income to average assets | 0.7767% | 1,981 |
| Noninterest expense to average assets | 2.8477% | 3,294 |
| Loan and lease loss provision to assets | 0.0549% | 3,277 |
| Net operating income to assets | 0.7649% | 3,596 |
| Return on assets (ROA) | 0.7965% | 3,546 |
| Pretax return on assets | 1.1865% | 2,836 |
| Return on Equity (ROE) | 8.9841% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.3645% | 1,200 |
| Net charge-offs to loans | 0.0045% | 4,548 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 362.3250% | 197 |
| Efficiency ratio | 70.4539% | 3,431 |
| Assets per employee ($millions) | 3.5385% | 4,789 |
| Cash dividends to net income (ytd only)* | 6.8971% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,092 |
| Loan loss allowance to noncurrent loans | 49.6059% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 1,943 |
| Noncurrent loans to loans | 2.0720% | 1,514 |
| Net loans and leases to total assets | 73.3968% | 1,613 |
| Net loans and leases to deposits | 81.8526% | 2,446 |
| Net loans and leases to core deposits | 85.5899% | 2,707 |
| Total domestic deposits to total assets | 89.6694% | 895 |
| Equity capital to assets | 9.0386% | 5,312 |
| Core capital (leverage) ratio | 8.8971% | 5,200 |
| Tier 1 risk-based capital ratio | 11.7356% | 5,654 |
| Total risk-based capital ratio | 12.7521% | 5,720 |
| Memoranda: | ||
| Average total assets | $121,358,500 | 4,191 |
| Average earning assets | $110,695,500 | 4,200 |
| Average equity | $10,759,500 | 4,636 |
| Average total loans | $88,096,250 | 3,704 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 3,152 |
| Cost of funding earning assets | 0.5840% | 2,037 |
| Net interest margin | 3.5656% | 3,506 |
| Noninterest income to average assets | 0.7749% | 1,937 |
| Noninterest expense to average assets | 2.9719% | 2,931 |
| Loan and lease loss provision to assets | 0.0747% | 2,783 |
| Net operating income to assets | 0.6617% | 4,036 |
| Return on assets (ROA) | 0.7102% | 3,878 |
| Pretax return on assets | 1.0520% | 3,273 |
| Return on Equity (ROE) | 8.0643% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.6875% | 1,441 |
| Net charge-offs to loans | -0.0138% | 5,416 |
| Credit loss provision to net charge-offs | -750.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7948% | 3,010 |
| Assets per employee ($millions) | 3.6685% | 4,509 |
| Cash dividends to net income (ytd only)* | 4.6729% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,984 |
| Loan loss allowance to noncurrent loans | 103.3843% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 3,582 |
| Noncurrent loans to loans | 1.0447% | 3,141 |
| Net loans and leases to total assets | 71.6430% | 1,806 |
| Net loans and leases to deposits | 79.8187% | 2,539 |
| Net loans and leases to core deposits | 84.6941% | 2,657 |
| Total domestic deposits to total assets | 89.7571% | 930 |
| Equity capital to assets | 9.0063% | 5,294 |
| Core capital (leverage) ratio | 8.9980% | 5,019 |
| Tier 1 risk-based capital ratio | 11.9222% | 5,583 |
| Total risk-based capital ratio | 12.9853% | 5,618 |
| Memoranda: | ||
| Average total assets | $120,529,330 | 4,227 |
| Average earning assets | $109,939,330 | 4,245 |
| Average equity | $10,614,670 | 4,679 |
| Average total loans | $86,847,330 | 3,750 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 3,182 |
| Cost of funding earning assets | 0.5758% | 2,189 |
| Net interest margin | 3.5494% | 3,486 |
| Noninterest income to average assets | 0.7084% | 2,134 |
| Noninterest expense to average assets | 2.9868% | 2,909 |
| Loan and lease loss provision to assets | 0.0998% | 2,262 |
| Net operating income to assets | 0.6020% | 4,190 |
| Return on assets (ROA) | 0.6020% | 4,267 |
| Pretax return on assets | 0.8614% | 3,856 |
| Return on Equity (ROE) | 6.9147% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.1506% | 2,455 |
| Net charge-offs to loans | -0.0926% | 6,090 |
| Credit loss provision to net charge-offs | -150.0000% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6529% | 2,851 |
| Assets per employee ($millions) | 3.7906% | 4,345 |
| Cash dividends to net income (ytd only)* | 11.0497% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,021 |
| Loan loss allowance to noncurrent loans | 77.0986% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 3,156 |
| Noncurrent loans to loans | 1.4546% | 2,607 |
| Net loans and leases to total assets | 68.7623% | 2,100 |
| Net loans and leases to deposits | 76.3139% | 2,780 |
| Net loans and leases to core deposits | 80.9464% | 2,858 |
| Total domestic deposits to total assets | 90.1046% | 1,011 |
| Equity capital to assets | 8.7255% | 5,428 |
| Core capital (leverage) ratio | 8.7803% | 5,287 |
| Tier 1 risk-based capital ratio | 11.9269% | 5,690 |
| Total risk-based capital ratio | 13.0134% | 5,717 |
| Memoranda: | ||
| Average total assets | $120,264,000 | 4,272 |
| Average earning assets | $109,766,000 | 4,277 |
| Average equity | $10,470,500 | 4,732 |
| Average total loans | $86,432,000 | 3,788 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 3,749 |
| Cost of funding earning assets | 0.7039% | 1,785 |
| Net interest margin | 3.3935% | 4,301 |
| Noninterest income to average assets | 0.8067% | 2,056 |
| Noninterest expense to average assets | 3.0936% | 2,756 |
| Loan and lease loss provision to assets | 0.1139% | 2,914 |
| Net operating income to assets | 0.5023% | 4,727 |
| Return on assets (ROA) | 0.5106% | 4,820 |
| Pretax return on assets | 0.6972% | 4,553 |
| Return on Equity (ROE) | 5.7256% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.6077% | 2,212 |
| Net charge-offs to loans | 0.1307% | 3,505 |
| Credit loss provision to net charge-offs | 126.2136% | 1,874 |
| Earnings coverage of net charge-offs (x) | 8.8641% | 2,593 |
| Efficiency ratio | 79.4601% | 2,245 |
| Assets per employee ($millions) | 3.7259% | 4,423 |
| Cash dividends to net income (ytd only)* | 2.0583% | 4,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 5,506 |
| Loan loss allowance to noncurrent loans | 74.0496% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 3,311 |
| Noncurrent loans to loans | 1.3671% | 2,851 |
| Net loans and leases to total assets | 73.4838% | 1,439 |
| Net loans and leases to deposits | 82.9874% | 2,057 |
| Net loans and leases to core deposits | 89.5116% | 2,082 |
| Total domestic deposits to total assets | 88.5481% | 1,887 |
| Equity capital to assets | 8.6866% | 5,388 |
| Core capital (leverage) ratio | 8.7730% | 5,326 |
| Tier 1 risk-based capital ratio | 11.2949% | 6,026 |
| Total risk-based capital ratio | 12.2848% | 6,099 |
| Memoranda: | ||
| Average total assets | $114,171,800 | 4,407 |
| Average earning assets | $103,846,600 | 4,411 |
| Average equity | $10,182,400 | 4,801 |
| Average total loans | $78,812,000 | 3,973 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 4,048 |
| Cost of funding earning assets | 0.7215% | 1,799 |
| Net interest margin | 3.3006% | 4,635 |
| Noninterest income to average assets | 0.8443% | 1,962 |
| Noninterest expense to average assets | 3.0785% | 2,730 |
| Loan and lease loss provision to assets | 0.0945% | 3,188 |
| Net operating income to assets | 0.5097% | 4,760 |
| Return on assets (ROA) | 0.5196% | 4,872 |
| Pretax return on assets | 0.6825% | 4,739 |
| Return on Equity (ROE) | 5.7862% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.6284% | 2,645 |
| Net charge-offs to loans | 0.1798% | 2,786 |
| Credit loss provision to net charge-offs | 77.6699% | 2,904 |
| Earnings coverage of net charge-offs (x) | 6.2816% | 3,005 |
| Efficiency ratio | 80.1168% | 2,075 |
| Assets per employee ($millions) | 3.5390% | 4,765 |
| Cash dividends to net income (ytd only)* | 2.7274% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 5,692 |
| Loan loss allowance to noncurrent loans | 67.2496% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 3,358 |
| Noncurrent loans to loans | 1.4933% | 2,923 |
| Net loans and leases to total assets | 73.6422% | 1,337 |
| Net loans and leases to deposits | 83.5343% | 1,932 |
| Net loans and leases to core deposits | 88.4270% | 2,138 |
| Total domestic deposits to total assets | 88.1580% | 2,028 |
| Equity capital to assets | 9.0456% | 5,132 |
| Core capital (leverage) ratio | 9.0216% | 5,097 |
| Tier 1 risk-based capital ratio | 11.6922% | 5,951 |
| Total risk-based capital ratio | 12.6734% | 6,056 |
| Memoranda: | ||
| Average total assets | $112,907,500 | 4,488 |
| Average earning assets | $102,564,500 | 4,487 |
| Average equity | $10,138,750 | 4,860 |
| Average total loans | $76,387,500 | 4,076 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,534 |
| Cost of funding earning assets | 0.7291% | 1,846 |
| Net interest margin | 3.1564% | 5,101 |
| Noninterest income to average assets | 0.8724% | 1,916 |
| Noninterest expense to average assets | 3.0729% | 2,750 |
| Loan and lease loss provision to assets | 0.0443% | 4,081 |
| Net operating income to assets | 0.5390% | 4,615 |
| Return on assets (ROA) | 0.5390% | 4,784 |
| Pretax return on assets | 0.6259% | 4,922 |
| Return on Equity (ROE) | 6.0176% | 4,164 |
| Retained earnings to average equity (ytd only) | 6.0176% | 2,431 |
| Net charge-offs to loans | 0.0081% | 4,721 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 387 |
| Efficiency ratio | 82.0938% | 1,878 |
| Assets per employee ($millions) | 3.4371% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,386 |
| Loan loss allowance to noncurrent loans | 89.9092% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 3,900 |
| Noncurrent loans to loans | 1.2374% | 3,482 |
| Net loans and leases to total assets | 72.0069% | 1,576 |
| Net loans and leases to deposits | 80.0920% | 2,306 |
| Net loans and leases to core deposits | 84.1701% | 2,539 |
| Total domestic deposits to total assets | 89.9053% | 1,079 |
| Equity capital to assets | 9.0755% | 5,142 |
| Core capital (leverage) ratio | 9.0432% | 4,916 |
| Tier 1 risk-based capital ratio | 12.0822% | 5,747 |
| Total risk-based capital ratio | 13.1635% | 5,794 |
| Memoranda: | ||
| Average total assets | $112,793,670 | 4,514 |
| Average earning assets | $102,585,330 | 4,503 |
| Average equity | $10,103,670 | 4,918 |
| Average total loans | $73,768,330 | 4,182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,890 |
| Cost of funding earning assets | 0.7437% | 1,898 |
| Net interest margin | 3.0365% | 5,469 |
| Noninterest income to average assets | 0.8021% | 2,114 |
| Noninterest expense to average assets | 2.8898% | 3,383 |
| Loan and lease loss provision to assets | 0.0876% | 3,204 |
| Net operating income to assets | 0.5009% | 4,654 |
| Return on assets (ROA) | 0.5009% | 4,805 |
| Pretax return on assets | 0.5850% | 5,003 |
| Return on Equity (ROE) | 5.6274% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.6274% | 2,881 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1209% | 2,173 |
| Assets per employee ($millions) | 3.3599% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 4,906 |
| Loan loss allowance to noncurrent loans | 100.1120% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 4,359 |
| Noncurrent loans to loans | 1.2562% | 3,678 |
| Net loans and leases to total assets | 63.3056% | 2,831 |
| Net loans and leases to deposits | 70.6242% | 3,371 |
| Net loans and leases to core deposits | 74.5851% | 3,506 |
| Total domestic deposits to total assets | 89.6373% | 1,266 |
| Equity capital to assets | 9.1975% | 5,256 |
| Core capital (leverage) ratio | 8.6568% | 5,383 |
| Tier 1 risk-based capital ratio | 12.8462% | 5,344 |
| Total risk-based capital ratio | 14.0186% | 5,335 |
| Memoranda: | ||
| Average total assets | $114,196,500 | 4,522 |
| Average earning assets | $103,804,000 | 4,523 |
| Average equity | $10,164,500 | 4,951 |
| Average total loans | $70,607,500 | 4,325 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 4,637 |
| Cost of funding earning assets | 0.7990% | 2,676 |
| Net interest margin | 3.3890% | 4,922 |
| Noninterest income to average assets | 0.9711% | 1,628 |
| Noninterest expense to average assets | 3.4987% | 1,814 |
| Loan and lease loss provision to assets | 0.1919% | 3,237 |
| Net operating income to assets | 0.2353% | 5,685 |
| Return on assets (ROA) | 0.4880% | 4,985 |
| Pretax return on assets | 0.6385% | 4,856 |
| Return on Equity (ROE) | 4.9700% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.4690% | 3,088 |
| Net charge-offs to loans | 0.0840% | 4,838 |
| Credit loss provision to net charge-offs | 361.1111% | 676 |
| Earnings coverage of net charge-offs (x) | 9.3704% | 2,271 |
| Efficiency ratio | 87.5431% | 1,282 |
| Assets per employee ($millions) | 3.3576% | 5,311 |
| Cash dividends to net income (ytd only)* | 10.0806% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,927 |
| Loan loss allowance to noncurrent loans | 139.8714% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 5,110 |
| Noncurrent loans to loans | 0.8869% | 4,402 |
| Net loans and leases to total assets | 58.9363% | 3,812 |
| Net loans and leases to deposits | 65.1451% | 4,400 |
| Net loans and leases to core deposits | 70.0492% | 4,303 |
| Total domestic deposits to total assets | 90.4693% | 718 |
| Equity capital to assets | 8.6210% | 5,944 |
| Core capital (leverage) ratio | 9.3135% | 4,395 |
| Tier 1 risk-based capital ratio | 12.5294% | 5,450 |
| Total risk-based capital ratio | 13.6587% | 5,485 |
| Memoranda: | ||
| Average total assets | $101,638,200 | 4,785 |
| Average earning assets | $90,735,600 | 4,849 |
| Average equity | $9,979,800 | 4,986 |
| Average total loans | $64,302,800 | 4,564 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 4,255 |
| Cost of funding earning assets | 0.8171% | 2,802 |
| Net interest margin | 3.5330% | 4,515 |
| Noninterest income to average assets | 0.9802% | 1,561 |
| Noninterest expense to average assets | 3.4333% | 1,922 |
| Loan and lease loss provision to assets | 0.0956% | 4,382 |
| Net operating income to assets | 0.4726% | 4,945 |
| Return on assets (ROA) | 0.6252% | 4,520 |
| Pretax return on assets | 0.7740% | 4,581 |
| Return on Equity (ROE) | 6.1421% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.8740% | 2,780 |
| Net charge-offs to loans | 0.1082% | 4,310 |
| Credit loss provision to net charge-offs | 137.2549% | 2,101 |
| Earnings coverage of net charge-offs (x) | 9.7841% | 2,269 |
| Efficiency ratio | 83.4439% | 1,648 |
| Assets per employee ($millions) | 2.9040% | 6,212 |
| Cash dividends to net income (ytd only)* | 4.3675% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,657 |
| Loan loss allowance to noncurrent loans | 104.0390% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 4,868 |
| Noncurrent loans to loans | 1.0720% | 4,299 |
| Net loans and leases to total assets | 65.1627% | 2,806 |
| Net loans and leases to deposits | 75.7439% | 3,020 |
| Net loans and leases to core deposits | 82.1299% | 2,948 |
| Total domestic deposits to total assets | 86.0302% | 3,240 |
| Equity capital to assets | 10.0147% | 4,475 |
| Core capital (leverage) ratio | 9.8030% | 3,813 |
| Tier 1 risk-based capital ratio | 13.4498% | 4,911 |
| Total risk-based capital ratio | 14.4915% | 5,028 |
| Memoranda: | ||
| Average total assets | $97,669,000 | 4,942 |
| Average earning assets | $86,646,750 | 4,994 |
| Average equity | $9,942,000 | 5,036 |
| Average total loans | $62,846,250 | 4,647 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 4,468 |
| Cost of funding earning assets | 0.8248% | 2,991 |
| Net interest margin | 3.5014% | 4,661 |
| Noninterest income to average assets | 0.9777% | 1,520 |
| Noninterest expense to average assets | 3.3235% | 2,242 |
| Loan and lease loss provision to assets | 0.1453% | 3,703 |
| Net operating income to assets | 0.5250% | 4,699 |
| Return on assets (ROA) | 0.5999% | 4,625 |
| Pretax return on assets | 0.7286% | 4,739 |
| Return on Equity (ROE) | 5.8603% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.8603% | 2,797 |
| Net charge-offs to loans | 0.1464% | 3,744 |
| Credit loss provision to net charge-offs | 155.5556% | 1,779 |
| Earnings coverage of net charge-offs (x) | 8.3778% | 2,306 |
| Efficiency ratio | 80.9403% | 2,040 |
| Assets per employee ($millions) | 2.6658% | 6,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 5,538 |
| Loan loss allowance to noncurrent loans | 89.0071% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 4,666 |
| Noncurrent loans to loans | 1.3012% | 3,974 |
| Net loans and leases to total assets | 65.1513% | 2,821 |
| Net loans and leases to deposits | 76.0920% | 2,976 |
| Net loans and leases to core deposits | 82.7543% | 2,863 |
| Total domestic deposits to total assets | 85.6217% | 3,554 |
| Equity capital to assets | 10.1212% | 4,158 |
| Core capital (leverage) ratio | 9.8404% | 3,657 |
| Tier 1 risk-based capital ratio | 13.4747% | 4,849 |
| Total risk-based capital ratio | 14.5432% | 4,938 |
| Memoranda: | ||
| Average total assets | $96,345,000 | 5,001 |
| Average earning assets | $86,081,000 | 5,042 |
| Average equity | $9,863,000 | 5,058 |
| Average total loans | $61,468,670 | 4,727 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 4,551 |
| Cost of funding earning assets | 0.8168% | 3,335 |
| Net interest margin | 3.5255% | 4,582 |
| Noninterest income to average assets | 0.8824% | 1,824 |
| Noninterest expense to average assets | 3.3025% | 2,279 |
| Loan and lease loss provision to assets | 0.0840% | 4,332 |
| Net operating income to assets | 0.5420% | 4,638 |
| Return on assets (ROA) | 0.5420% | 4,849 |
| Pretax return on assets | 0.6513% | 4,935 |
| Return on Equity (ROE) | 5.2637% | 4,662 |
| Retained earnings to average equity (ytd only) | 5.2637% | 3,395 |
| Net charge-offs to loans | -0.0402% | 6,450 |
| Credit loss provision to net charge-offs | -333.3333% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7898% | 1,961 |
| Assets per employee ($millions) | 2.6264% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 5,061 |
| Loan loss allowance to noncurrent loans | 241.6667% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 6,053 |
| Noncurrent loans to loans | 0.5337% | 5,596 |
| Net loans and leases to total assets | 61.0276% | 3,446 |
| Net loans and leases to deposits | 71.3556% | 3,535 |
| Net loans and leases to core deposits | 77.9059% | 3,343 |
| Total domestic deposits to total assets | 85.5260% | 3,774 |
| Equity capital to assets | 10.4337% | 3,576 |
| Core capital (leverage) ratio | 10.1778% | 3,141 |
| Tier 1 risk-based capital ratio | 14.4695% | 4,135 |
| Total risk-based capital ratio | 15.6381% | 4,155 |
| Memoranda: | ||
| Average total assets | $95,200,000 | 5,055 |
| Average earning assets | $85,207,000 | 5,108 |
| Average equity | $9,803,000 | 5,091 |
| Average total loans | $59,695,500 | 4,830 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 5,217 |
| Cost of funding earning assets | 0.9704% | 3,577 |
| Net interest margin | 3.4903% | 5,183 |
| Noninterest income to average assets | 0.8150% | 1,980 |
| Noninterest expense to average assets | 3.2845% | 2,573 |
| Loan and lease loss provision to assets | 0.2604% | 3,607 |
| Net operating income to assets | 0.4077% | 4,826 |
| Return on assets (ROA) | 0.7127% | 3,610 |
| Pretax return on assets | 0.7185% | 4,257 |
| Return on Equity (ROE) | 6.4654% | 3,666 |
| Retained earnings to average equity (ytd only) | 5.3580% | 2,404 |
| Net charge-offs to loans | 0.0122% | 6,258 |
| Credit loss provision to net charge-offs | 3,733.3333% | 65 |
| Earnings coverage of net charge-offs (x) | 96.1667% | 317 |
| Efficiency ratio | 83.0394% | 1,879 |
| Assets per employee ($millions) | 2.8191% | 6,432 |
| Cash dividends to net income (ytd only)* | 17.1289% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 5,416 |
| Loan loss allowance to noncurrent loans | 242.6667% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 6,197 |
| Noncurrent loans to loans | 0.4923% | 5,724 |
| Net loans and leases to total assets | 62.8142% | 3,447 |
| Net loans and leases to deposits | 78.0038% | 2,841 |
| Net loans and leases to core deposits | 85.4329% | 2,708 |
| Total domestic deposits to total assets | 80.5271% | 5,584 |
| Equity capital to assets | 10.1626% | 3,955 |
| Core capital (leverage) ratio | 10.2208% | 3,063 |
| Tier 1 risk-based capital ratio | 13.8517% | 4,439 |
| Total risk-based capital ratio | 14.9471% | 4,520 |
| Memoranda: | ||
| Average total assets | $86,009,400 | 5,290 |
| Average earning assets | $77,387,000 | 5,302 |
| Average equity | $9,481,200 | 5,159 |
| Average total loans | $49,365,800 | 5,289 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 5,302 |
| Cost of funding earning assets | 1.0136% | 3,584 |
| Net interest margin | 3.4695% | 5,309 |
| Noninterest income to average assets | 0.7468% | 2,332 |
| Noninterest expense to average assets | 3.1709% | 2,922 |
| Loan and lease loss provision to assets | 0.3176% | 2,997 |
| Net operating income to assets | 0.4277% | 4,865 |
| Return on assets (ROA) | 0.8506% | 3,090 |
| Pretax return on assets | 0.8059% | 4,106 |
| Return on Equity (ROE) | 7.5471% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.1223% | 1,903 |
| Net charge-offs to loans | 0.0172% | 5,912 |
| Credit loss provision to net charge-offs | 3,316.6667% | 90 |
| Earnings coverage of net charge-offs (x) | 73.1650% | 463 |
| Efficiency ratio | 81.9044% | 1,994 |
| Assets per employee ($millions) | 2.8038% | 6,477 |
| Cash dividends to net income (ytd only)* | 5.6286% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 4,800 |
| Loan loss allowance to noncurrent loans | 219.0031% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,152 |
| Noncurrent loans to loans | 0.6139% | 5,664 |
| Net loans and leases to total assets | 59.3479% | 4,263 |
| Net loans and leases to deposits | 67.5440% | 4,684 |
| Net loans and leases to core deposits | 73.4146% | 4,541 |
| Total domestic deposits to total assets | 87.8656% | 2,118 |
| Equity capital to assets | 11.2313% | 2,935 |
| Core capital (leverage) ratio | 10.8703% | 2,502 |
| Tier 1 risk-based capital ratio | 15.8915% | 3,170 |
| Total risk-based capital ratio | 17.1056% | 3,148 |
| Memoranda: | ||
| Average total assets | $83,549,000 | 5,385 |
| Average earning assets | $75,245,000 | 5,412 |
| Average equity | $9,416,250 | 5,201 |
| Average total loans | $46,473,250 | 5,452 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 5,643 |
| Cost of funding earning assets | 1.0384% | 3,677 |
| Net interest margin | 3.3735% | 5,629 |
| Noninterest income to average assets | 0.7425% | 2,303 |
| Noninterest expense to average assets | 3.2150% | 2,845 |
| Loan and lease loss provision to assets | 0.0388% | 5,827 |
| Net operating income to assets | 0.7206% | 3,439 |
| Return on assets (ROA) | 0.8007% | 3,196 |
| Pretax return on assets | 0.6115% | 4,709 |
| Return on Equity (ROE) | 7.0960% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.0960% | 1,835 |
| Net charge-offs to loans | 0.0180% | 5,586 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 58.7500% | 549 |
| Efficiency ratio | 84.9359% | 1,710 |
| Assets per employee ($millions) | 2.7747% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,897 |
| Loan loss allowance to noncurrent loans | 170.5882% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 6,199 |
| Noncurrent loans to loans | 0.6542% | 5,612 |
| Net loans and leases to total assets | 55.5682% | 5,057 |
| Net loans and leases to deposits | 64.1388% | 5,254 |
| Net loans and leases to core deposits | 69.0208% | 5,183 |
| Total domestic deposits to total assets | 86.6374% | 2,963 |
| Equity capital to assets | 11.6266% | 2,387 |
| Core capital (leverage) ratio | 11.0720% | 2,190 |
| Tier 1 risk-based capital ratio | 16.8069% | 2,603 |
| Total risk-based capital ratio | 17.7786% | 2,684 |
| Memoranda: | ||
| Average total assets | $82,426,000 | 5,474 |
| Average earning assets | $74,343,670 | 5,483 |
| Average equity | $9,301,000 | 5,236 |
| Average total loans | $44,535,330 | 5,588 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 5,600 |
| Cost of funding earning assets | 1.0846% | 3,626 |
| Net interest margin | 3.3405% | 5,642 |
| Noninterest income to average assets | 0.7169% | 2,472 |
| Noninterest expense to average assets | 3.0676% | 3,395 |
| Loan and lease loss provision to assets | 0.0780% | 5,025 |
| Net operating income to assets | 0.9949% | 2,199 |
| Return on assets (ROA) | 0.9949% | 2,245 |
| Pretax return on assets | 0.5755% | 4,782 |
| Return on Equity (ROE) | 8.9547% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.9547% | 1,393 |
| Net charge-offs to loans | 0.0092% | 4,974 |
| Credit loss provision to net charge-offs | 1,600.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 237 |
| Efficiency ratio | 82.4377% | 2,158 |
| Assets per employee ($millions) | 3.0475% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 5,422 |
| Loan loss allowance to noncurrent loans | 1,418.9189% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,218 |
| Noncurrent loans to loans | 0.0878% | 6,826 |
| Net loans and leases to total assets | 50.5949% | 5,768 |
| Net loans and leases to deposits | 57.4237% | 5,984 |
| Net loans and leases to core deposits | 61.5816% | 5,967 |
| Total domestic deposits to total assets | 88.1081% | 2,310 |
| Equity capital to assets | 11.2356% | 2,472 |
| Core capital (leverage) ratio | 11.0154% | 2,180 |
| Tier 1 risk-based capital ratio | 17.8969% | 2,150 |
| Total risk-based capital ratio | 18.9523% | 2,192 |
| Memoranda: | ||
| Average total assets | $82,019,000 | 5,521 |
| Average earning assets | $73,761,000 | 5,546 |
| Average equity | $9,112,500 | 5,283 |
| Average total loans | $43,414,500 | 5,689 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 5,595 |
| Cost of funding earning assets | 1.2902% | 3,946 |
| Net interest margin | 3.4671% | 5,376 |
| Noninterest income to average assets | 0.8296% | 2,143 |
| Noninterest expense to average assets | 3.1758% | 3,172 |
| Loan and lease loss provision to assets | 0.6689% | 2,468 |
| Net operating income to assets | 0.1016% | 5,584 |
| Return on assets (ROA) | 0.1016% | 5,725 |
| Pretax return on assets | 0.1235% | 5,654 |
| Return on Equity (ROE) | 0.8661% | 5,733 |
| Retained earnings to average equity (ytd only) | 0.2083% | 5,466 |
| Net charge-offs to loans | 1.4423% | 1,532 |
| Credit loss provision to net charge-offs | 78.6687% | 5,606 |
| Earnings coverage of net charge-offs (x) | 0.9319% | 5,178 |
| Efficiency ratio | 80.0324% | 2,411 |
| Assets per employee ($millions) | 3.0280% | 6,038 |
| Cash dividends to net income (ytd only)* | 75.9494% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 5,777 |
| Loan loss allowance to noncurrent loans | 150.8876% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 5,485 |
| Noncurrent loans to loans | 0.7566% | 5,528 |
| Net loans and leases to total assets | 54.0187% | 5,628 |
| Net loans and leases to deposits | 61.1523% | 5,939 |
| Net loans and leases to core deposits | 68.6411% | 5,592 |
| Total domestic deposits to total assets | 88.3347% | 2,047 |
| Equity capital to assets | 10.9840% | 2,699 |
| Core capital (leverage) ratio | 10.7796% | 2,321 |
| Tier 1 risk-based capital ratio | 16.8197% | 2,416 |
| Total risk-based capital ratio | 17.8058% | 2,476 |
| Memoranda: | ||
| Average total assets | $77,744,800 | 5,653 |
| Average earning assets | $70,376,800 | 5,655 |
| Average equity | $9,121,000 | 5,388 |
| Average total loans | $45,828,800 | 5,658 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 5,711 |
| Cost of funding earning assets | 1.3346% | 4,013 |
| Net interest margin | 3.4542% | 5,476 |
| Noninterest income to average assets | 0.8531% | 1,984 |
| Noninterest expense to average assets | 3.1568% | 3,081 |
| Loan and lease loss provision to assets | 0.9034% | 1,677 |
| Net operating income to assets | -0.0591% | 6,116 |
| Return on assets (ROA) | -0.0591% | 6,225 |
| Pretax return on assets | -0.0730% | 6,192 |
| Return on Equity (ROE) | -0.4951% | 6,213 |
| Retained earnings to average equity (ytd only) | -0.4951% | 5,916 |
| Net charge-offs to loans | 1.7954% | 1,082 |
| Credit loss provision to net charge-offs | 83.7359% | 5,013 |
| Earnings coverage of net charge-offs (x) | 0.7697% | 5,294 |
| Efficiency ratio | 79.1721% | 2,459 |
| Assets per employee ($millions) | 2.8344% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,564 |
| Loan loss allowance to noncurrent loans | 25.0569% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 3.2366% | 2,207 |
| Noncurrent loans to loans | 4.7296% | 1,497 |
| Net loans and leases to total assets | 59.9242% | 4,929 |
| Net loans and leases to deposits | 68.8878% | 5,299 |
| Net loans and leases to core deposits | 73.1501% | 5,388 |
| Total domestic deposits to total assets | 86.9881% | 2,538 |
| Equity capital to assets | 12.0332% | 2,140 |
| Core capital (leverage) ratio | 11.3928% | 2,015 |
| Tier 1 risk-based capital ratio | 16.7704% | 2,421 |
| Total risk-based capital ratio | 17.8373% | 2,474 |
| Memoranda: | ||
| Average total assets | $76,742,250 | 5,749 |
| Average earning assets | $69,633,500 | 5,746 |
| Average equity | $9,156,250 | 5,451 |
| Average total loans | $46,117,750 | 5,726 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 5,943 |
| Cost of funding earning assets | 1.3845% | 3,974 |
| Net interest margin | 3.3727% | 5,747 |
| Noninterest income to average assets | 0.9087% | 1,662 |
| Noninterest expense to average assets | 3.1609% | 3,048 |
| Loan and lease loss provision to assets | 0.5728% | 2,485 |
| Net operating income to assets | 0.2005% | 5,556 |
| Return on assets (ROA) | 0.2005% | 5,692 |
| Pretax return on assets | 0.2448% | 5,671 |
| Return on Equity (ROE) | 1.6851% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.6851% | 5,033 |
| Net charge-offs to loans | 1.4776% | 1,292 |
| Credit loss provision to net charge-offs | 64.7059% | 5,103 |
| Earnings coverage of net charge-offs (x) | 0.9235% | 4,853 |
| Efficiency ratio | 79.4503% | 2,513 |
| Assets per employee ($millions) | 2.8461% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,741 |
| Loan loss allowance to noncurrent loans | 17.5363% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 3.9403% | 1,761 |
| Noncurrent loans to loans | 6.5015% | 920 |
| Net loans and leases to total assets | 59.9159% | 5,074 |
| Net loans and leases to deposits | 70.4108% | 5,220 |
| Net loans and leases to core deposits | 74.8411% | 5,342 |
| Total domestic deposits to total assets | 85.0949% | 3,579 |
| Equity capital to assets | 12.0136% | 2,088 |
| Core capital (leverage) ratio | 11.5201% | 1,908 |
| Tier 1 risk-based capital ratio | 17.1065% | 2,235 |
| Total risk-based capital ratio | 18.1438% | 2,278 |
| Memoranda: | ||
| Average total assets | $76,813,000 | 5,779 |
| Average earning assets | $69,915,000 | 5,777 |
| Average equity | $9,138,670 | 5,462 |
| Average total loans | $46,020,330 | 5,757 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 5,968 |
| Cost of funding earning assets | 1.4539% | 3,844 |
| Net interest margin | 3.3257% | 5,882 |
| Noninterest income to average assets | 0.7084% | 2,539 |
| Noninterest expense to average assets | 2.9689% | 3,784 |
| Loan and lease loss provision to assets | 0.1042% | 5,584 |
| Net operating income to assets | 0.5417% | 4,172 |
| Return on assets (ROA) | 0.5417% | 4,309 |
| Pretax return on assets | 0.6615% | 4,371 |
| Return on Equity (ROE) | 4.5755% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.5755% | 3,402 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4979% | 2,649 |
| Assets per employee ($millions) | 2.8587% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,916 |
| Loan loss allowance to noncurrent loans | 59.9107% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 4,330 |
| Noncurrent loans to loans | 2.5017% | 3,176 |
| Net loans and leases to total assets | 57.1349% | 5,581 |
| Net loans and leases to deposits | 65.5075% | 5,875 |
| Net loans and leases to core deposits | 69.4954% | 5,957 |
| Total domestic deposits to total assets | 87.2189% | 2,519 |
| Equity capital to assets | 11.8522% | 2,133 |
| Core capital (leverage) ratio | 11.3939% | 1,967 |
| Tier 1 risk-based capital ratio | 17.1185% | 2,232 |
| Total risk-based capital ratio | 18.3696% | 2,183 |
| Memoranda: | ||
| Average total assets | $76,796,500 | 5,855 |
| Average earning assets | $69,879,000 | 5,853 |
| Average equity | $9,092,000 | 5,516 |
| Average total loans | $45,743,500 | 5,853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 6,268 |
| Cost of funding earning assets | 1.7894% | 4,045 |
| Net interest margin | 3.2599% | 5,891 |
| Noninterest income to average assets | 0.8460% | 2,199 |
| Noninterest expense to average assets | 3.0363% | 4,005 |
| Loan and lease loss provision to assets | 0.0660% | 6,914 |
| Net operating income to assets | 0.5666% | 3,460 |
| Return on assets (ROA) | 0.6560% | 3,165 |
| Pretax return on assets | 0.8311% | 3,145 |
| Return on Equity (ROE) | 5.5422% | 3,404 |
| Retained earnings to average equity (ytd only) | 4.2221% | 2,264 |
| Net charge-offs to loans | 0.0999% | 6,137 |
| Credit loss provision to net charge-offs | 111.3636% | 4,936 |
| Earnings coverage of net charge-offs (x) | 13.2273% | 1,443 |
| Efficiency ratio | 79.4781% | 2,958 |
| Assets per employee ($millions) | 2.8300% | 6,606 |
| Cash dividends to net income (ytd only)* | 23.8193% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 4,269 |
| Loan loss allowance to noncurrent loans | 61.3572% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.3886% | 4,338 |
| Noncurrent loans to loans | 2.2711% | 3,317 |
| Net loans and leases to total assets | 60.2887% | 5,293 |
| Net loans and leases to deposits | 69.0717% | 5,715 |
| Net loans and leases to core deposits | 81.5963% | 5,945 |
| Total domestic deposits to total assets | 87.2842% | 2,335 |
| Equity capital to assets | 11.8258% | 2,122 |
| Core capital (leverage) ratio | 11.2313% | 2,083 |
| Tier 1 risk-based capital ratio | 16.9664% | 2,156 |
| Total risk-based capital ratio | 18.2174% | 2,126 |
| Memoranda: | ||
| Average total assets | $74,235,800 | 5,883 |
| Average earning assets | $67,733,000 | 5,879 |
| Average equity | $8,787,200 | 5,668 |
| Average total loans | $44,055,800 | 5,930 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 6,377 |
| Cost of funding earning assets | 1.8542% | 4,127 |
| Net interest margin | 3.2166% | 5,959 |
| Noninterest income to average assets | 0.8323% | 2,279 |
| Noninterest expense to average assets | 2.9527% | 4,235 |
| Loan and lease loss provision to assets | 0.0253% | 7,100 |
| Net operating income to assets | 0.5971% | 3,612 |
| Return on assets (ROA) | 0.7002% | 3,266 |
| Pretax return on assets | 0.9245% | 3,152 |
| Return on Equity (ROE) | 5.9139% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.4555% | 2,227 |
| Net charge-offs to loans | 0.1045% | 5,629 |
| Credit loss provision to net charge-offs | 41.1765% | 6,410 |
| Earnings coverage of net charge-offs (x) | 13.2360% | 1,689 |
| Efficiency ratio | 78.3862% | 3,103 |
| Assets per employee ($millions) | 3.0956% | 5,918 |
| Cash dividends to net income (ytd only)* | 7.7521% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 4,136 |
| Loan loss allowance to noncurrent loans | 59.1682% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4963% | 4,127 |
| Noncurrent loans to loans | 2.3071% | 3,255 |
| Net loans and leases to total assets | 58.4461% | 5,820 |
| Net loans and leases to deposits | 67.0541% | 6,204 |
| Net loans and leases to core deposits | 80.4468% | 6,312 |
| Total domestic deposits to total assets | 87.1626% | 2,097 |
| Equity capital to assets | 11.8412% | 2,328 |
| Core capital (leverage) ratio | 11.5981% | 2,015 |
| Tier 1 risk-based capital ratio | 17.1194% | 2,242 |
| Total risk-based capital ratio | 18.3560% | 2,194 |
| Memoranda: | ||
| Average total assets | $73,692,500 | 5,938 |
| Average earning assets | $67,232,250 | 5,928 |
| Average equity | $8,725,000 | 5,745 |
| Average total loans | $43,390,500 | 6,004 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1254% | 6,337 |
| Cost of funding earning assets | 1.9493% | 4,005 |
| Net interest margin | 3.1760% | 5,998 |
| Noninterest income to average assets | 0.9136% | 1,927 |
| Noninterest expense to average assets | 2.9285% | 4,392 |
| Loan and lease loss provision to assets | 0.0386% | 6,851 |
| Net operating income to assets | 0.6410% | 3,499 |
| Return on assets (ROA) | 0.8004% | 2,950 |
| Pretax return on assets | 1.0406% | 2,842 |
| Return on Equity (ROE) | 6.7610% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.7610% | 1,678 |
| Net charge-offs to loans | 0.0517% | 5,766 |
| Credit loss provision to net charge-offs | 127.2727% | 3,657 |
| Earnings coverage of net charge-offs (x) | 28.7273% | 1,029 |
| Efficiency ratio | 77.0516% | 3,505 |
| Assets per employee ($millions) | 3.0696% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,156 |
| Loan loss allowance to noncurrent loans | 55.0466% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 3,816 |
| Noncurrent loans to loans | 2.7354% | 2,634 |
| Net loans and leases to total assets | 57.6238% | 6,018 |
| Net loans and leases to deposits | 65.9797% | 6,394 |
| Net loans and leases to core deposits | 79.5756% | 6,441 |
| Total domestic deposits to total assets | 87.3356% | 2,078 |
| Equity capital to assets | 11.8215% | 2,312 |
| Core capital (leverage) ratio | 11.6080% | 2,033 |
| Tier 1 risk-based capital ratio | 17.8985% | 2,050 |
| Total risk-based capital ratio | 19.1495% | 1,986 |
| Memoranda: | ||
| Average total assets | $72,459,670 | 6,021 |
| Average earning assets | $65,868,330 | 6,011 |
| Average equity | $8,578,670 | 5,824 |
| Average total loans | $42,568,000 | 6,087 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2954% | 5,909 |
| Cost of funding earning assets | 2.0226% | 4,023 |
| Net interest margin | 3.2729% | 5,606 |
| Noninterest income to average assets | 0.9408% | 1,685 |
| Noninterest expense to average assets | 2.7333% | 4,856 |
| Loan and lease loss provision to assets | 0.0779% | 5,981 |
| Net operating income to assets | 0.8239% | 3,029 |
| Return on assets (ROA) | 0.8239% | 3,186 |
| Pretax return on assets | 1.1022% | 2,980 |
| Return on Equity (ROE) | 6.9537% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.9537% | 2,229 |
| Net charge-offs to loans | 0.1229% | 3,992 |
| Credit loss provision to net charge-offs | 107.6923% | 3,556 |
| Earnings coverage of net charge-offs (x) | 16.3077% | 1,559 |
| Efficiency ratio | 69.8435% | 4,615 |
| Assets per employee ($millions) | 3.0512% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 2,642 |
| Loan loss allowance to noncurrent loans | 54.0970% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.6332% | 3,460 |
| Noncurrent loans to loans | 2.9044% | 2,253 |
| Net loans and leases to total assets | 55.3497% | 6,323 |
| Net loans and leases to deposits | 63.3313% | 6,624 |
| Net loans and leases to core deposits | 75.5377% | 6,711 |
| Total domestic deposits to total assets | 87.3971% | 2,015 |
| Equity capital to assets | 11.7645% | 2,401 |
| Core capital (leverage) ratio | 11.7515% | 2,021 |
| Tier 1 risk-based capital ratio | 18.3465% | 1,972 |
| Total risk-based capital ratio | 19.5982% | 1,927 |
| Memoranda: | ||
| Average total assets | $71,854,000 | 6,073 |
| Average earning assets | $65,264,000 | 6,064 |
| Average equity | $8,513,500 | 5,874 |
| Average total loans | $42,301,500 | 6,126 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2495% | 4,244 |
| Cost of funding earning assets | 2.5777% | 3,809 |
| Net interest margin | 3.6719% | 4,595 |
| Noninterest income to average assets | 0.7482% | 2,799 |
| Noninterest expense to average assets | 3.0667% | 3,834 |
| Loan and lease loss provision to assets | 0.2559% | 4,355 |
| Net operating income to assets | 0.6013% | 4,294 |
| Return on assets (ROA) | 0.5902% | 4,218 |
| Pretax return on assets | 0.7211% | 4,331 |
| Return on Equity (ROE) | 4.8131% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.9291% | 2,678 |
| Net charge-offs to loans | 0.1611% | 4,584 |
| Credit loss provision to net charge-offs | 250.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 9.6765% | 2,653 |
| Efficiency ratio | 75.5844% | 3,311 |
| Assets per employee ($millions) | 2.9366% | 6,204 |
| Cash dividends to net income (ytd only)* | 18.3673% | 4,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 2,754 |
| Loan loss allowance to noncurrent loans | 150.2326% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 5,370 |
| Noncurrent loans to loans | 0.9902% | 4,616 |
| Net loans and leases to total assets | 60.6961% | 5,808 |
| Net loans and leases to deposits | 69.5566% | 6,324 |
| Net loans and leases to core deposits | 83.2046% | 6,361 |
| Total domestic deposits to total assets | 87.2615% | 1,809 |
| Equity capital to assets | 11.9355% | 2,336 |
| Core capital (leverage) ratio | 12.0937% | 1,920 |
| Tier 1 risk-based capital ratio | 17.4010% | 2,206 |
| Total risk-based capital ratio | 18.6513% | 2,146 |
| Memoranda: | ||
| Average total assets | $66,422,400 | 6,146 |
| Average earning assets | $59,860,400 | 6,176 |
| Average equity | $8,144,400 | 6,027 |
| Average total loans | $42,214,200 | 6,063 |