Home > The Hicksville Bank > Performance and Condition Ratios
The Hicksville Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 3,313 |
| Cost of funding earning assets | 1.1051% | 3,058 |
| Net interest margin | 3.2750% | 2,693 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.5879% | 2,043 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6205% | 3,382 |
| Return on assets (ROA) | 0.6151% | 3,388 |
| Pretax return on assets | 0.7536% | 3,330 |
| Return on Equity (ROE) | 8.0700% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.9331% | 2,272 |
| Net charge-offs to loans | 0.0074% | 2,399 |
| Credit loss provision to net charge-offs | 350.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 175.7500% | 637 |
| Efficiency ratio | 76.9395% | 1,168 |
| Assets per employee ($millions) | 4.6417% | 3,859 |
| Cash dividends to net income (ytd only)* | 26.4574% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 3,629 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.1900% | 2,742 |
| Net loans and leases to deposits | 68.8057% | 2,970 |
| Net loans and leases to core deposits | 76.4411% | 2,944 |
| Total domestic deposits to total assets | 88.9300% | 1,087 |
| Equity capital to assets | 7.8139% | 3,533 |
| Core capital (leverage) ratio | 10.0695% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $181,268,000 | 3,115 |
| Average earning assets | $166,319,400 | 3,128 |
| Average equity | $13,820,800 | 3,361 |
| Average total loans | $107,639,000 | 3,092 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 3,298 |
| Cost of funding earning assets | 0.9376% | 3,187 |
| Net interest margin | 3.3598% | 2,549 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.6138% | 1,904 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6643% | 3,398 |
| Return on assets (ROA) | 0.6571% | 3,402 |
| Pretax return on assets | 0.8081% | 3,318 |
| Return on Equity (ROE) | 8.6700% | 3,017 |
| Retained earnings to average equity (ytd only) | 7.2091% | 2,220 |
| Net charge-offs to loans | 0.0101% | 2,025 |
| Credit loss provision to net charge-offs | 262.5000% | 961 |
| Earnings coverage of net charge-offs (x) | 140.6250% | 767 |
| Efficiency ratio | 75.8428% | 1,189 |
| Assets per employee ($millions) | 4.6522% | 3,849 |
| Cash dividends to net income (ytd only)* | 16.8919% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,529 |
| Loan loss allowance to noncurrent loans | 124.1461% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 1,241 |
| Noncurrent loans to loans | 0.7734% | 1,075 |
| Net loans and leases to total assets | 59.9200% | 2,856 |
| Net loans and leases to deposits | 67.2485% | 3,041 |
| Net loans and leases to core deposits | 74.0794% | 2,994 |
| Total domestic deposits to total assets | 89.1000% | 1,211 |
| Equity capital to assets | 7.3464% | 3,443 |
| Core capital (leverage) ratio | 10.7593% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $180,167,750 | 3,134 |
| Average earning assets | $165,242,000 | 3,146 |
| Average equity | $13,649,000 | 3,363 |
| Average total loans | $105,882,750 | 3,114 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 3,233 |
| Cost of funding earning assets | 0.8093% | 3,177 |
| Net interest margin | 3.4199% | 2,473 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.5848% | 1,964 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7252% | 3,281 |
| Return on assets (ROA) | 0.7143% | 3,311 |
| Pretax return on assets | 0.8857% | 3,205 |
| Return on Equity (ROE) | 9.3300% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.1534% | 2,237 |
| Net charge-offs to loans | 0.0153% | 1,628 |
| Credit loss provision to net charge-offs | 212.5000% | 1,024 |
| Earnings coverage of net charge-offs (x) | 103.1250% | 916 |
| Efficiency ratio | 73.7929% | 1,367 |
| Assets per employee ($millions) | 5.2221% | 3,391 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,343 |
| Loan loss allowance to noncurrent loans | 116.0221% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 1,062 |
| Noncurrent loans to loans | 0.8792% | 867 |
| Net loans and leases to total assets | 57.3800% | 3,017 |
| Net loans and leases to deposits | 62.9361% | 3,255 |
| Net loans and leases to core deposits | 68.6169% | 3,202 |
| Total domestic deposits to total assets | 91.1700% | 602 |
| Equity capital to assets | 7.8286% | 3,331 |
| Core capital (leverage) ratio | 10.5295% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $179,745,000 | 3,138 |
| Average earning assets | $165,328,333 | 3,156 |
| Average equity | $13,755,667 | 3,376 |
| Average total loans | $104,587,000 | 3,124 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 3,176 |
| Cost of funding earning assets | 0.6417% | 3,255 |
| Net interest margin | 3.4921% | 2,387 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.5501% | 2,108 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.8095% | 3,163 |
| Return on assets (ROA) | 0.8095% | 3,116 |
| Pretax return on assets | 1.0041% | 2,980 |
| Return on Equity (ROE) | 10.6900% | 2,581 |
| Retained earnings to average equity (ytd only) | 10.6857% | 1,538 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.2608% | 1,603 |
| Assets per employee ($millions) | 4.9839% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,466 |
| Loan loss allowance to noncurrent loans | 122.1835% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 1,085 |
| Noncurrent loans to loans | 0.8286% | 922 |
| Net loans and leases to total assets | 55.7800% | 3,050 |
| Net loans and leases to deposits | 61.0110% | 3,277 |
| Net loans and leases to core deposits | 65.0795% | 3,283 |
| Total domestic deposits to total assets | 91.4200% | 666 |
| Equity capital to assets | 7.6338% | 3,485 |
| Core capital (leverage) ratio | 10.4648% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $180,858,000 | 3,169 |
| Average earning assets | $166,435,000 | 3,179 |
| Average equity | $13,700,500 | 3,421 |
| Average total loans | $105,416,000 | 3,143 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5705% | 2,883 |
| Cost of funding earning assets | 0.2150% | 3,638 |
| Net interest margin | 3.3555% | 2,402 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.5418% | 1,988 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7518% | 3,476 |
| Return on assets (ROA) | 0.7327% | 3,469 |
| Pretax return on assets | 0.8864% | 3,404 |
| Return on Equity (ROE) | 8.8400% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.5472% | 2,432 |
| Net charge-offs to loans | 0.0040% | 2,306 |
| Credit loss provision to net charge-offs | 1,250.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 407.5000% | 379 |
| Efficiency ratio | 73.0400% | 1,318 |
| Assets per employee ($millions) | 5.0661% | 3,623 |
| Cash dividends to net income (ytd only)* | 25.9230% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 2,771 |
| Loan loss allowance to noncurrent loans | 137.2571% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 1,031 |
| Noncurrent loans to loans | 0.8183% | 904 |
| Net loans and leases to total assets | 59.6300% | 2,673 |
| Net loans and leases to deposits | 68.0098% | 2,728 |
| Net loans and leases to core deposits | 72.1699% | 2,710 |
| Total domestic deposits to total assets | 87.6700% | 2,187 |
| Equity capital to assets | 7.5144% | 3,380 |
| Core capital (leverage) ratio | 10.6020% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $173,733,200 | 3,244 |
| Average earning assets | $160,033,800 | 3,247 |
| Average equity | $14,403,200 | 3,422 |
| Average total loans | $98,842,000 | 3,169 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 2,798 |
| Cost of funding earning assets | 0.1656% | 3,673 |
| Net interest margin | 3.2761% | 2,371 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.5187% | 1,960 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7272% | 3,489 |
| Return on assets (ROA) | 0.7336% | 3,417 |
| Pretax return on assets | 0.8856% | 3,359 |
| Return on Equity (ROE) | 8.6400% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.2421% | 2,283 |
| Net charge-offs to loans | 0.0014% | 2,264 |
| Credit loss provision to net charge-offs | 3,800.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 1,176.0000% | 126 |
| Efficiency ratio | 73.5195% | 1,331 |
| Assets per employee ($millions) | 5.0088% | 3,667 |
| Cash dividends to net income (ytd only)* | 16.1935% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,795 |
| Loan loss allowance to noncurrent loans | 133.9326% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 1,078 |
| Noncurrent loans to loans | 0.8587% | 914 |
| Net loans and leases to total assets | 58.4400% | 2,647 |
| Net loans and leases to deposits | 65.7939% | 2,737 |
| Net loans and leases to core deposits | 69.2396% | 2,698 |
| Total domestic deposits to total assets | 88.8200% | 2,159 |
| Equity capital to assets | 6.9945% | 3,525 |
| Core capital (leverage) ratio | 10.4395% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $172,838,500 | 3,274 |
| Average earning assets | $159,374,250 | 3,272 |
| Average equity | $14,673,000 | 3,446 |
| Average total loans | $96,820,750 | 3,207 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2877% | 2,775 |
| Cost of funding earning assets | 0.1268% | 3,882 |
| Net interest margin | 3.1609% | 2,323 |
| Noninterest income to average assets | 0.3872% | 2,830 |
| Noninterest expense to average assets | 2.5695% | 1,728 |
| Loan and lease loss provision to assets | 0.0291% | 2,070 |
| Net operating income to assets | 0.6489% | 3,476 |
| Return on assets (ROA) | 0.6732% | 3,351 |
| Pretax return on assets | 0.7418% | 3,473 |
| Return on Equity (ROE) | 7.4822% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.4921% | 2,517 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5439% | 1,123 |
| Assets per employee ($millions) | 4.9739% | 3,698 |
| Cash dividends to net income (ytd only)* | 26.5976% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,698 |
| Loan loss allowance to noncurrent loans | 132.2870% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 1,115 |
| Noncurrent loans to loans | 0.9040% | 933 |
| Net loans and leases to total assets | 56.0010% | 2,756 |
| Net loans and leases to deposits | 63.2516% | 2,785 |
| Net loans and leases to core deposits | 66.4203% | 2,786 |
| Total domestic deposits to total assets | 88.5368% | 2,369 |
| Equity capital to assets | 7.2906% | 3,604 |
| Core capital (leverage) ratio | 10.2533% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,015,333 | 3,315 |
| Average earning assets | $159,259,000 | 3,319 |
| Average equity | $15,476,667 | 3,456 |
| Average total loans | $94,546,667 | 3,265 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1591% | 2,802 |
| Cost of funding earning assets | 0.1182% | 3,919 |
| Net interest margin | 3.0409% | 2,361 |
| Noninterest income to average assets | 0.3930% | 2,738 |
| Noninterest expense to average assets | 2.6319% | 1,519 |
| Loan and lease loss provision to assets | 0.0304% | 1,822 |
| Net operating income to assets | 0.5314% | 3,624 |
| Return on assets (ROA) | 0.5825% | 3,434 |
| Pretax return on assets | 0.6129% | 3,597 |
| Return on Equity (ROE) | 5.9043% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.9043% | 2,282 |
| Net charge-offs to loans | 0.0043% | 1,607 |
| Credit loss provision to net charge-offs | 1,300.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 368 |
| Efficiency ratio | 81.6993% | 1,010 |
| Assets per employee ($millions) | 5.4596% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,472 |
| Loan loss allowance to noncurrent loans | 129.5228% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 1,200 |
| Noncurrent loans to loans | 0.9852% | 922 |
| Net loans and leases to total assets | 50.1127% | 3,162 |
| Net loans and leases to deposits | 55.5835% | 3,300 |
| Net loans and leases to core deposits | 57.5263% | 3,345 |
| Total domestic deposits to total assets | 90.1575% | 1,472 |
| Equity capital to assets | 8.7446% | 2,935 |
| Core capital (leverage) ratio | 10.0494% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,979,000 | 3,337 |
| Average earning assets | $159,031,000 | 3,336 |
| Average equity | $16,869,000 | 3,406 |
| Average total loans | $92,484,500 | 3,292 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 2,610 |
| Cost of funding earning assets | 0.1408% | 4,060 |
| Net interest margin | 3.3759% | 2,098 |
| Noninterest income to average assets | 0.5404% | 2,395 |
| Noninterest expense to average assets | 2.7587% | 1,459 |
| Loan and lease loss provision to assets | 0.0794% | 1,545 |
| Net operating income to assets | 0.7425% | 3,509 |
| Return on assets (ROA) | 0.7467% | 3,565 |
| Pretax return on assets | 0.8314% | 3,662 |
| Return on Equity (ROE) | 6.2667% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.0187% | 3,214 |
| Net charge-offs to loans | -0.0011% | 3,293 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2752% | 1,176 |
| Assets per employee ($millions) | 4.9027% | 3,819 |
| Cash dividends to net income (ytd only)* | 35.8725% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,707 |
| Loan loss allowance to noncurrent loans | 126.0917% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 1,166 |
| Noncurrent loans to loans | 0.9795% | 1,016 |
| Net loans and leases to total assets | 57.0863% | 2,470 |
| Net loans and leases to deposits | 65.1887% | 2,580 |
| Net loans and leases to core deposits | 68.2656% | 2,626 |
| Total domestic deposits to total assets | 87.5709% | 2,249 |
| Equity capital to assets | 11.1150% | 1,726 |
| Core capital (leverage) ratio | 10.8751% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,196,600 | 3,471 |
| Average earning assets | $139,932,400 | 3,475 |
| Average equity | $18,015,800 | 3,382 |
| Average total loans | $89,182,400 | 3,347 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 2,615 |
| Cost of funding earning assets | 0.1465% | 4,144 |
| Net interest margin | 3.4326% | 2,063 |
| Noninterest income to average assets | 0.6005% | 2,211 |
| Noninterest expense to average assets | 2.7582% | 1,439 |
| Loan and lease loss provision to assets | 0.0781% | 1,506 |
| Net operating income to assets | 0.8378% | 3,425 |
| Return on assets (ROA) | 0.8410% | 3,474 |
| Pretax return on assets | 0.9442% | 3,598 |
| Return on Equity (ROE) | 6.9313% | 3,685 |
| Retained earnings to average equity (ytd only) | 5.3557% | 3,086 |
| Net charge-offs to loans | -0.0015% | 3,177 |
| Credit loss provision to net charge-offs | -8,700.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0276% | 1,302 |
| Assets per employee ($millions) | 4.3236% | 4,249 |
| Cash dividends to net income (ytd only)* | 22.7321% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,747 |
| Loan loss allowance to noncurrent loans | 120.5156% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 1,276 |
| Noncurrent loans to loans | 1.0355% | 1,099 |
| Net loans and leases to total assets | 57.0409% | 2,608 |
| Net loans and leases to deposits | 65.7740% | 2,651 |
| Net loans and leases to core deposits | 68.7926% | 2,708 |
| Total domestic deposits to total assets | 86.7226% | 2,454 |
| Equity capital to assets | 11.7509% | 1,514 |
| Core capital (leverage) ratio | 11.1878% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,548,250 | 3,528 |
| Average earning assets | $137,461,750 | 3,536 |
| Average equity | $18,024,000 | 3,426 |
| Average total loans | $88,099,250 | 3,409 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 2,507 |
| Cost of funding earning assets | 0.1522% | 4,194 |
| Net interest margin | 3.4848% | 1,902 |
| Noninterest income to average assets | 0.5993% | 2,223 |
| Noninterest expense to average assets | 2.7336% | 1,496 |
| Loan and lease loss provision to assets | 0.0766% | 1,559 |
| Net operating income to assets | 0.9098% | 3,189 |
| Return on assets (ROA) | 0.9098% | 3,270 |
| Pretax return on assets | 1.0165% | 3,407 |
| Return on Equity (ROE) | 7.4155% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.7986% | 2,890 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4337% | 1,485 |
| Assets per employee ($millions) | 4.3519% | 4,217 |
| Cash dividends to net income (ytd only)* | 21.8045% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,614 |
| Loan loss allowance to noncurrent loans | 116.4530% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 1,359 |
| Noncurrent loans to loans | 1.0851% | 1,115 |
| Net loans and leases to total assets | 55.9150% | 2,907 |
| Net loans and leases to deposits | 64.8733% | 2,912 |
| Net loans and leases to core deposits | 67.7925% | 2,979 |
| Total domestic deposits to total assets | 86.1911% | 2,670 |
| Equity capital to assets | 11.9030% | 1,414 |
| Core capital (leverage) ratio | 10.9811% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,181,667 | 3,559 |
| Average earning assets | $135,387,333 | 3,567 |
| Average equity | $17,935,333 | 3,432 |
| Average total loans | $87,497,333 | 3,434 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 2,526 |
| Cost of funding earning assets | 0.1633% | 4,213 |
| Net interest margin | 3.4743% | 1,900 |
| Noninterest income to average assets | 0.6568% | 2,001 |
| Noninterest expense to average assets | 2.7950% | 1,381 |
| Loan and lease loss provision to assets | 0.0699% | 1,763 |
| Net operating income to assets | 0.9335% | 3,034 |
| Return on assets (ROA) | 0.9335% | 3,111 |
| Pretax return on assets | 1.0034% | 3,359 |
| Return on Equity (ROE) | 7.4896% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.4896% | 2,415 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2543% | 1,467 |
| Assets per employee ($millions) | 4.9814% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 3,088 |
| Loan loss allowance to noncurrent loans | 112.0635% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 1,501 |
| Noncurrent loans to loans | 1.0449% | 1,287 |
| Net loans and leases to total assets | 59.8088% | 2,563 |
| Net loans and leases to deposits | 69.4602% | 2,563 |
| Net loans and leases to core deposits | 72.2484% | 2,680 |
| Total domestic deposits to total assets | 86.1051% | 2,695 |
| Equity capital to assets | 11.9631% | 1,307 |
| Core capital (leverage) ratio | 11.8302% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,115,000 | 3,604 |
| Average earning assets | $132,286,500 | 3,604 |
| Average equity | $17,838,000 | 3,440 |
| Average total loans | $88,117,500 | 3,441 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 3,078 |
| Cost of funding earning assets | 0.2317% | 4,453 |
| Net interest margin | 3.6497% | 1,979 |
| Noninterest income to average assets | 0.5723% | 2,326 |
| Noninterest expense to average assets | 2.8984% | 1,690 |
| Loan and lease loss provision to assets | 0.1292% | 2,745 |
| Net operating income to assets | 0.7893% | 3,135 |
| Return on assets (ROA) | 0.8088% | 3,176 |
| Pretax return on assets | 0.9090% | 3,339 |
| Return on Equity (ROE) | 6.0541% | 3,568 |
| Retained earnings to average equity (ytd only) | 4.3838% | 2,600 |
| Net charge-offs to loans | 0.0026% | 3,298 |
| Credit loss provision to net charge-offs | 8,250.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 649.0000% | 178 |
| Efficiency ratio | 74.0400% | 1,436 |
| Assets per employee ($millions) | 4.4125% | 4,005 |
| Cash dividends to net income (ytd only)* | 27.5895% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 2,916 |
| Loan loss allowance to noncurrent loans | 107.8206% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 1,487 |
| Noncurrent loans to loans | 1.1178% | 1,270 |
| Net loans and leases to total assets | 61.9664% | 2,619 |
| Net loans and leases to deposits | 73.6222% | 2,523 |
| Net loans and leases to core deposits | 77.1574% | 2,626 |
| Total domestic deposits to total assets | 84.1681% | 3,061 |
| Equity capital to assets | 13.0115% | 1,081 |
| Core capital (leverage) ratio | 12.3769% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,724,200 | 3,658 |
| Average earning assets | $116,969,400 | 3,662 |
| Average equity | $17,062,800 | 3,449 |
| Average total loans | $77,259,200 | 3,606 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,135 |
| Cost of funding earning assets | 0.2465% | 4,526 |
| Net interest margin | 3.6973% | 1,956 |
| Noninterest income to average assets | 0.5569% | 2,364 |
| Noninterest expense to average assets | 2.8694% | 1,771 |
| Loan and lease loss provision to assets | 0.0725% | 3,416 |
| Net operating income to assets | 0.8795% | 2,776 |
| Return on assets (ROA) | 0.8916% | 2,855 |
| Pretax return on assets | 1.0085% | 3,036 |
| Return on Equity (ROE) | 6.6274% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.5136% | 2,318 |
| Net charge-offs to loans | -0.0018% | 3,872 |
| Credit loss provision to net charge-offs | -6,800.0000% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8942% | 1,538 |
| Assets per employee ($millions) | 4.2115% | 4,134 |
| Cash dividends to net income (ytd only)* | 16.8057% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,826 |
| Loan loss allowance to noncurrent loans | 70.8365% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 1,082 |
| Noncurrent loans to loans | 1.6553% | 837 |
| Net loans and leases to total assets | 60.6838% | 3,140 |
| Net loans and leases to deposits | 72.6960% | 3,071 |
| Net loans and leases to core deposits | 76.4429% | 3,135 |
| Total domestic deposits to total assets | 83.4762% | 3,000 |
| Equity capital to assets | 13.5849% | 975 |
| Core capital (leverage) ratio | 12.7565% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,458,500 | 3,674 |
| Average earning assets | $114,674,500 | 3,683 |
| Average equity | $16,879,000 | 3,464 |
| Average total loans | $75,125,000 | 3,658 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,327 |
| Cost of funding earning assets | 0.2623% | 4,585 |
| Net interest margin | 3.7356% | 2,039 |
| Noninterest income to average assets | 0.5866% | 2,181 |
| Noninterest expense to average assets | 2.8652% | 1,925 |
| Loan and lease loss provision to assets | 0.0727% | 3,392 |
| Net operating income to assets | 0.9269% | 2,602 |
| Return on assets (ROA) | 0.9454% | 2,646 |
| Pretax return on assets | 1.0763% | 2,787 |
| Return on Equity (ROE) | 7.0510% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.3515% | 2,329 |
| Net charge-offs to loans | -0.0027% | 3,870 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7523% | 1,724 |
| Assets per employee ($millions) | 4.2171% | 4,085 |
| Cash dividends to net income (ytd only)* | 24.1026% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,545 |
| Loan loss allowance to noncurrent loans | 68.4328% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 1,161 |
| Noncurrent loans to loans | 1.7461% | 819 |
| Net loans and leases to total assets | 58.0020% | 3,519 |
| Net loans and leases to deposits | 68.6531% | 3,512 |
| Net loans and leases to core deposits | 72.4263% | 3,564 |
| Total domestic deposits to total assets | 84.4856% | 2,563 |
| Equity capital to assets | 13.3397% | 1,025 |
| Core capital (leverage) ratio | 12.7704% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,759,000 | 3,679 |
| Average earning assets | $112,860,000 | 3,696 |
| Average equity | $16,593,333 | 3,491 |
| Average total loans | $73,444,333 | 3,689 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 3,819 |
| Cost of funding earning assets | 0.2847% | 4,702 |
| Net interest margin | 3.7042% | 2,306 |
| Noninterest income to average assets | 0.4656% | 2,724 |
| Noninterest expense to average assets | 2.9400% | 2,029 |
| Loan and lease loss provision to assets | 0.0732% | 2,817 |
| Net operating income to assets | 0.7567% | 3,069 |
| Return on assets (ROA) | 0.7749% | 3,077 |
| Pretax return on assets | 0.8481% | 3,290 |
| Return on Equity (ROE) | 5.7636% | 3,402 |
| Retained earnings to average equity (ytd only) | 2.4736% | 3,276 |
| Net charge-offs to loans | -0.0056% | 3,895 |
| Credit loss provision to net charge-offs | -2,200.0000% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5368% | 1,506 |
| Assets per employee ($millions) | 3.9027% | 4,047 |
| Cash dividends to net income (ytd only)* | 57.0815% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,516 |
| Loan loss allowance to noncurrent loans | 66.5674% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 1,173 |
| Noncurrent loans to loans | 1.8464% | 805 |
| Net loans and leases to total assets | 59.3835% | 3,560 |
| Net loans and leases to deposits | 70.1047% | 3,586 |
| Net loans and leases to core deposits | 74.4598% | 3,607 |
| Total domestic deposits to total assets | 84.7069% | 2,524 |
| Equity capital to assets | 13.1159% | 1,374 |
| Core capital (leverage) ratio | 13.3303% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,273,500 | 3,700 |
| Average earning assets | $109,604,000 | 3,716 |
| Average equity | $16,170,500 | 3,546 |
| Average total loans | $71,795,000 | 3,731 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 4,139 |
| Cost of funding earning assets | 0.2391% | 4,877 |
| Net interest margin | 3.8140% | 2,458 |
| Noninterest income to average assets | 0.4987% | 2,751 |
| Noninterest expense to average assets | 2.9847% | 2,057 |
| Loan and lease loss provision to assets | 0.0738% | 2,520 |
| Net operating income to assets | 0.8050% | 3,537 |
| Return on assets (ROA) | 0.8125% | 3,610 |
| Pretax return on assets | 0.9118% | 3,707 |
| Return on Equity (ROE) | 6.0641% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.4183% | 2,751 |
| Net charge-offs to loans | -0.0059% | 4,368 |
| Credit loss provision to net charge-offs | -2,175.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3372% | 1,442 |
| Assets per employee ($millions) | 4.1229% | 3,734 |
| Cash dividends to net income (ytd only)* | 27.1399% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,287 |
| Loan loss allowance to noncurrent loans | 63.9971% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 1,053 |
| Noncurrent loans to loans | 1.9209% | 680 |
| Net loans and leases to total assets | 58.5302% | 3,719 |
| Net loans and leases to deposits | 69.8413% | 3,686 |
| Net loans and leases to core deposits | 74.9976% | 3,646 |
| Total domestic deposits to total assets | 83.8045% | 2,908 |
| Equity capital to assets | 13.7776% | 1,177 |
| Core capital (leverage) ratio | 13.1175% | 1,193 |
| Tier 1 risk-based capital ratio | 20.8049% | 1,204 |
| Total risk-based capital ratio | 21.6779% | 1,231 |
| Memoranda: | ||
| Average total assets | $117,901,600 | 3,734 |
| Average earning assets | $107,051,800 | 3,757 |
| Average equity | $15,798,000 | 3,565 |
| Average total loans | $67,834,600 | 3,817 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 4,307 |
| Cost of funding earning assets | 0.2263% | 4,982 |
| Net interest margin | 3.8003% | 2,597 |
| Noninterest income to average assets | 0.4948% | 2,764 |
| Noninterest expense to average assets | 3.0153% | 1,933 |
| Loan and lease loss provision to assets | 0.0738% | 2,413 |
| Net operating income to assets | 0.7627% | 3,798 |
| Return on assets (ROA) | 0.7728% | 3,832 |
| Pretax return on assets | 0.8659% | 3,963 |
| Return on Equity (ROE) | 5.8095% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.7346% | 3,034 |
| Net charge-offs to loans | -0.0060% | 4,247 |
| Credit loss provision to net charge-offs | -2,166.6667% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4604% | 1,277 |
| Assets per employee ($millions) | 3.8858% | 4,046 |
| Cash dividends to net income (ytd only)* | 18.5026% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,554 |
| Loan loss allowance to noncurrent loans | 61.2274% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 1,130 |
| Noncurrent loans to loans | 1.9440% | 707 |
| Net loans and leases to total assets | 58.4406% | 3,832 |
| Net loans and leases to deposits | 70.1242% | 3,762 |
| Net loans and leases to core deposits | 74.9486% | 3,767 |
| Total domestic deposits to total assets | 83.3387% | 3,049 |
| Equity capital to assets | 13.5515% | 1,337 |
| Core capital (leverage) ratio | 13.1682% | 1,273 |
| Tier 1 risk-based capital ratio | 20.6849% | 1,234 |
| Total risk-based capital ratio | 21.5437% | 1,286 |
| Memoranda: | ||
| Average total assets | $117,486,000 | 3,781 |
| Average earning assets | $106,620,250 | 3,809 |
| Average equity | $15,629,250 | 3,619 |
| Average total loans | $67,080,250 | 3,876 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 4,393 |
| Cost of funding earning assets | 0.2084% | 5,056 |
| Net interest margin | 3.7850% | 2,635 |
| Noninterest income to average assets | 0.4756% | 2,811 |
| Noninterest expense to average assets | 3.0164% | 1,965 |
| Loan and lease loss provision to assets | 0.0755% | 2,306 |
| Net operating income to assets | 0.7283% | 3,900 |
| Return on assets (ROA) | 0.7451% | 3,915 |
| Pretax return on assets | 0.8327% | 4,017 |
| Return on Equity (ROE) | 5.6372% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.0006% | 3,249 |
| Net charge-offs to loans | -0.0061% | 4,180 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2308% | 1,243 |
| Assets per employee ($millions) | 3.8299% | 4,089 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,349 |
| Loan loss allowance to noncurrent loans | 59.0000% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 1,141 |
| Noncurrent loans to loans | 2.0889% | 664 |
| Net loans and leases to total assets | 55.7540% | 4,090 |
| Net loans and leases to deposits | 65.5688% | 4,126 |
| Net loans and leases to core deposits | 70.0335% | 4,107 |
| Total domestic deposits to total assets | 85.0312% | 2,456 |
| Equity capital to assets | 13.4300% | 1,359 |
| Core capital (leverage) ratio | 12.9928% | 1,298 |
| Tier 1 risk-based capital ratio | 20.5309% | 1,246 |
| Total risk-based capital ratio | 21.3610% | 1,299 |
| Memoranda: | ||
| Average total assets | $116,495,000 | 3,817 |
| Average earning assets | $105,574,670 | 3,852 |
| Average equity | $15,397,670 | 3,646 |
| Average total loans | $65,692,000 | 3,932 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,503 |
| Cost of funding earning assets | 0.1950% | 5,127 |
| Net interest margin | 3.7350% | 2,765 |
| Noninterest income to average assets | 0.5027% | 2,542 |
| Noninterest expense to average assets | 3.0161% | 1,950 |
| Loan and lease loss provision to assets | 0.0763% | 2,151 |
| Net operating income to assets | 0.7318% | 3,834 |
| Return on assets (ROA) | 0.7350% | 3,878 |
| Pretax return on assets | 0.8008% | 4,039 |
| Return on Equity (ROE) | 5.6070% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.6070% | 2,636 |
| Net charge-offs to loans | -0.0062% | 4,076 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5401% | 1,319 |
| Assets per employee ($millions) | 3.9350% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,417 |
| Loan loss allowance to noncurrent loans | 56.8294% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1969% | 1,123 |
| Noncurrent loans to loans | 2.1678% | 661 |
| Net loans and leases to total assets | 54.5341% | 4,169 |
| Net loans and leases to deposits | 63.7173% | 4,200 |
| Net loans and leases to core deposits | 67.8556% | 4,188 |
| Total domestic deposits to total assets | 85.5876% | 2,450 |
| Equity capital to assets | 13.0638% | 1,414 |
| Core capital (leverage) ratio | 13.3222% | 1,142 |
| Tier 1 risk-based capital ratio | 21.2663% | 1,131 |
| Total risk-based capital ratio | 22.3860% | 1,125 |
| Memoranda: | ||
| Average total assets | $115,379,000 | 3,871 |
| Average earning assets | $104,632,500 | 3,905 |
| Average equity | $15,124,000 | 3,691 |
| Average total loans | $65,027,500 | 3,986 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 4,231 |
| Cost of funding earning assets | 0.1793% | 5,078 |
| Net interest margin | 3.7424% | 2,892 |
| Noninterest income to average assets | 0.5259% | 2,681 |
| Noninterest expense to average assets | 2.9398% | 2,216 |
| Loan and lease loss provision to assets | 0.0736% | 2,662 |
| Net operating income to assets | 0.8242% | 3,713 |
| Return on assets (ROA) | 0.8379% | 3,654 |
| Pretax return on assets | 0.9125% | 3,862 |
| Return on Equity (ROE) | 6.5852% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.8838% | 2,835 |
| Net charge-offs to loans | 0.0168% | 3,129 |
| Credit loss provision to net charge-offs | 763.6364% | 468 |
| Earnings coverage of net charge-offs (x) | 100.7273% | 735 |
| Efficiency ratio | 75.1681% | 1,470 |
| Assets per employee ($millions) | 3.7569% | 4,233 |
| Cash dividends to net income (ytd only)* | 25.8368% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,557 |
| Loan loss allowance to noncurrent loans | 54.5073% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 988 |
| Noncurrent loans to loans | 2.2058% | 585 |
| Net loans and leases to total assets | 56.8678% | 4,061 |
| Net loans and leases to deposits | 67.0601% | 4,044 |
| Net loans and leases to core deposits | 71.6639% | 4,015 |
| Total domestic deposits to total assets | 84.8013% | 2,732 |
| Equity capital to assets | 13.1545% | 1,274 |
| Core capital (leverage) ratio | 13.3071% | 1,143 |
| Tier 1 risk-based capital ratio | 21.3124% | 1,122 |
| Total risk-based capital ratio | 22.4182% | 1,119 |
| Memoranda: | ||
| Average total assets | $114,088,200 | 3,883 |
| Average earning assets | $103,195,400 | 3,930 |
| Average equity | $14,517,400 | 3,698 |
| Average total loans | $65,598,000 | 3,975 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 4,229 |
| Cost of funding earning assets | 0.1763% | 5,112 |
| Net interest margin | 3.7168% | 2,959 |
| Noninterest income to average assets | 0.5290% | 2,684 |
| Noninterest expense to average assets | 2.9350% | 2,213 |
| Loan and lease loss provision to assets | 0.0734% | 2,483 |
| Net operating income to assets | 0.8184% | 3,847 |
| Return on assets (ROA) | 0.8377% | 3,790 |
| Pretax return on assets | 0.9065% | 4,001 |
| Return on Equity (ROE) | 6.6387% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,920 |
| Net charge-offs to loans | -0.0020% | 4,088 |
| Credit loss provision to net charge-offs | -6,300.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3740% | 1,421 |
| Assets per employee ($millions) | 3.7771% | 4,208 |
| Cash dividends to net income (ytd only)* | 16.2731% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,792 |
| Loan loss allowance to noncurrent loans | 51.6756% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 1,027 |
| Noncurrent loans to loans | 2.2657% | 610 |
| Net loans and leases to total assets | 57.4347% | 4,095 |
| Net loans and leases to deposits | 68.4638% | 4,027 |
| Net loans and leases to core deposits | 73.2614% | 3,994 |
| Total domestic deposits to total assets | 83.8906% | 2,983 |
| Equity capital to assets | 12.7788% | 1,432 |
| Core capital (leverage) ratio | 13.2044% | 1,205 |
| Tier 1 risk-based capital ratio | 20.9112% | 1,197 |
| Total risk-based capital ratio | 21.9903% | 1,196 |
| Memoranda: | ||
| Average total assets | $114,433,500 | 3,917 |
| Average earning assets | $103,598,500 | 3,961 |
| Average equity | $14,440,250 | 3,730 |
| Average total loans | $65,779,000 | 4,002 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 4,187 |
| Cost of funding earning assets | 0.1711% | 5,148 |
| Net interest margin | 3.6900% | 2,966 |
| Noninterest income to average assets | 0.5156% | 2,771 |
| Noninterest expense to average assets | 2.9354% | 2,245 |
| Loan and lease loss provision to assets | 0.0732% | 2,421 |
| Net operating income to assets | 0.8000% | 3,854 |
| Return on assets (ROA) | 0.8327% | 3,749 |
| Pretax return on assets | 0.8850% | 4,007 |
| Return on Equity (ROE) | 6.6265% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.0045% | 3,074 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0722% | 1,422 |
| Assets per employee ($millions) | 3.8026% | 4,205 |
| Cash dividends to net income (ytd only)* | 24.4770% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,030 |
| Loan loss allowance to noncurrent loans | 51.4777% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2754% | 1,109 |
| Noncurrent loans to loans | 2.2166% | 629 |
| Net loans and leases to total assets | 56.8834% | 4,092 |
| Net loans and leases to deposits | 66.8728% | 4,113 |
| Net loans and leases to core deposits | 71.4465% | 4,046 |
| Total domestic deposits to total assets | 85.0621% | 2,646 |
| Equity capital to assets | 12.6386% | 1,469 |
| Core capital (leverage) ratio | 13.0251% | 1,206 |
| Tier 1 risk-based capital ratio | 20.9075% | 1,195 |
| Total risk-based capital ratio | 21.9613% | 1,194 |
| Memoranda: | ||
| Average total assets | $114,807,000 | 3,941 |
| Average earning assets | $104,010,330 | 3,985 |
| Average equity | $14,427,000 | 3,753 |
| Average total loans | $65,754,670 | 4,023 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,073 |
| Cost of funding earning assets | 0.1722% | 5,152 |
| Net interest margin | 3.6814% | 2,877 |
| Noninterest income to average assets | 0.5175% | 2,705 |
| Noninterest expense to average assets | 2.9695% | 2,142 |
| Loan and lease loss provision to assets | 0.0729% | 2,304 |
| Net operating income to assets | 0.8002% | 3,703 |
| Return on assets (ROA) | 0.8683% | 3,437 |
| Pretax return on assets | 0.8856% | 3,894 |
| Return on Equity (ROE) | 6.9293% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.9293% | 2,309 |
| Net charge-offs to loans | -0.0061% | 4,071 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9577% | 1,468 |
| Assets per employee ($millions) | 3.7260% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,362 |
| Loan loss allowance to noncurrent loans | 46.4923% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3575% | 1,081 |
| Noncurrent loans to loans | 2.3721% | 596 |
| Net loans and leases to total assets | 56.5975% | 4,069 |
| Net loans and leases to deposits | 65.5362% | 4,119 |
| Net loans and leases to core deposits | 69.7684% | 4,094 |
| Total domestic deposits to total assets | 86.3608% | 2,379 |
| Equity capital to assets | 12.4159% | 1,537 |
| Core capital (leverage) ratio | 12.8852% | 1,217 |
| Tier 1 risk-based capital ratio | 20.4867% | 1,266 |
| Total risk-based capital ratio | 21.4992% | 1,276 |
| Memoranda: | ||
| Average total assets | $115,171,000 | 3,977 |
| Average earning assets | $104,526,500 | 4,019 |
| Average equity | $14,431,500 | 3,783 |
| Average total loans | $65,811,500 | 4,061 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 3,803 |
| Cost of funding earning assets | 0.1821% | 5,077 |
| Net interest margin | 3.6928% | 2,821 |
| Noninterest income to average assets | 0.5168% | 2,896 |
| Noninterest expense to average assets | 2.9002% | 2,454 |
| Loan and lease loss provision to assets | 0.0771% | 2,660 |
| Net operating income to assets | 0.6061% | 3,985 |
| Return on assets (ROA) | 0.6237% | 3,956 |
| Pretax return on assets | 0.9040% | 3,912 |
| Return on Equity (ROE) | 4.9222% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.3667% | 3,278 |
| Net charge-offs to loans | 0.0458% | 2,866 |
| Credit loss provision to net charge-offs | 303.4483% | 930 |
| Earnings coverage of net charge-offs (x) | 37.6207% | 1,313 |
| Efficiency ratio | 75.2158% | 1,728 |
| Assets per employee ($millions) | 3.8279% | 4,239 |
| Cash dividends to net income (ytd only)* | 31.6011% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,456 |
| Loan loss allowance to noncurrent loans | 42.8225% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.4760% | 936 |
| Noncurrent loans to loans | 2.5198% | 530 |
| Net loans and leases to total assets | 56.4400% | 4,146 |
| Net loans and leases to deposits | 66.4289% | 4,155 |
| Net loans and leases to core deposits | 70.7715% | 4,126 |
| Total domestic deposits to total assets | 84.9630% | 2,845 |
| Equity capital to assets | 12.6458% | 1,426 |
| Core capital (leverage) ratio | 12.6038% | 1,307 |
| Tier 1 risk-based capital ratio | 20.0287% | 1,315 |
| Total risk-based capital ratio | 21.0054% | 1,335 |
| Memoranda: | ||
| Average total assets | $114,164,200 | 3,993 |
| Average earning assets | $103,227,200 | 4,042 |
| Average equity | $14,465,200 | 3,784 |
| Average total loans | $63,287,800 | 4,120 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 3,695 |
| Cost of funding earning assets | 0.1863% | 5,084 |
| Net interest margin | 3.7084% | 2,727 |
| Noninterest income to average assets | 0.5275% | 2,852 |
| Noninterest expense to average assets | 2.9041% | 2,390 |
| Loan and lease loss provision to assets | 0.0807% | 2,478 |
| Net operating income to assets | 0.7179% | 3,884 |
| Return on assets (ROA) | 0.7450% | 3,827 |
| Pretax return on assets | 0.9287% | 3,936 |
| Return on Equity (ROE) | 5.8772% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.8900% | 2,956 |
| Net charge-offs to loans | 0.0489% | 2,458 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 36.2560% | 1,392 |
| Efficiency ratio | 74.8568% | 1,766 |
| Assets per employee ($millions) | 3.8195% | 4,281 |
| Cash dividends to net income (ytd only)* | 16.7972% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,548 |
| Loan loss allowance to noncurrent loans | 43.9797% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 1,139 |
| Noncurrent loans to loans | 2.4774% | 624 |
| Net loans and leases to total assets | 54.9823% | 4,323 |
| Net loans and leases to deposits | 64.2176% | 4,363 |
| Net loans and leases to core deposits | 68.5758% | 4,328 |
| Total domestic deposits to total assets | 85.6187% | 2,474 |
| Equity capital to assets | 12.9213% | 1,431 |
| Core capital (leverage) ratio | 12.6154% | 1,374 |
| Tier 1 risk-based capital ratio | 19.8522% | 1,396 |
| Total risk-based capital ratio | 20.8107% | 1,430 |
| Memoranda: | ||
| Average total assets | $113,996,000 | 4,037 |
| Average earning assets | $103,042,500 | 4,089 |
| Average equity | $14,451,000 | 3,824 |
| Average total loans | $62,729,500 | 4,165 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 3,490 |
| Cost of funding earning assets | 0.1926% | 5,050 |
| Net interest margin | 3.7269% | 2,560 |
| Noninterest income to average assets | 0.5062% | 2,984 |
| Noninterest expense to average assets | 2.9069% | 2,403 |
| Loan and lease loss provision to assets | 0.0861% | 2,266 |
| Net operating income to assets | 0.7079% | 3,810 |
| Return on assets (ROA) | 0.7206% | 3,823 |
| Pretax return on assets | 0.8963% | 3,950 |
| Return on Equity (ROE) | 5.7212% | 4,168 |
| Retained earnings to average equity (ytd only) | 4.2281% | 3,191 |
| Net charge-offs to loans | 0.0705% | 1,933 |
| Credit loss provision to net charge-offs | 222.7273% | 1,168 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,621 |
| Efficiency ratio | 75.0454% | 1,850 |
| Assets per employee ($millions) | 3.8179% | 4,253 |
| Cash dividends to net income (ytd only)* | 26.0976% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,849 |
| Loan loss allowance to noncurrent loans | 42.1875% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 1,129 |
| Noncurrent loans to loans | 2.4894% | 607 |
| Net loans and leases to total assets | 55.5266% | 4,266 |
| Net loans and leases to deposits | 66.6359% | 4,178 |
| Net loans and leases to core deposits | 70.8502% | 4,176 |
| Total domestic deposits to total assets | 83.3284% | 3,459 |
| Equity capital to assets | 12.7942% | 1,473 |
| Core capital (leverage) ratio | 12.4831% | 1,378 |
| Tier 1 risk-based capital ratio | 19.6172% | 1,443 |
| Total risk-based capital ratio | 20.5541% | 1,465 |
| Memoranda: | ||
| Average total assets | $113,799,330 | 4,064 |
| Average earning assets | $102,820,000 | 4,120 |
| Average equity | $14,332,670 | 3,848 |
| Average total loans | $62,407,330 | 4,194 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 2,942 |
| Cost of funding earning assets | 0.1916% | 5,051 |
| Net interest margin | 3.8350% | 2,003 |
| Noninterest income to average assets | 0.5572% | 2,626 |
| Noninterest expense to average assets | 2.9551% | 2,286 |
| Loan and lease loss provision to assets | 0.1058% | 1,806 |
| Net operating income to assets | 0.7541% | 3,459 |
| Return on assets (ROA) | 0.7652% | 3,453 |
| Pretax return on assets | 0.9698% | 3,496 |
| Return on Equity (ROE) | 6.1248% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.1248% | 2,271 |
| Net charge-offs to loans | -0.0065% | 4,265 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5733% | 2,304 |
| Assets per employee ($millions) | 3.8859% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,684 |
| Loan loss allowance to noncurrent loans | 41.1017% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 1,115 |
| Noncurrent loans to loans | 2.6911% | 562 |
| Net loans and leases to total assets | 53.8726% | 4,343 |
| Net loans and leases to deposits | 63.0193% | 4,367 |
| Net loans and leases to core deposits | 67.1448% | 4,340 |
| Total domestic deposits to total assets | 85.4858% | 2,889 |
| Equity capital to assets | 12.6897% | 1,410 |
| Core capital (leverage) ratio | 12.4984% | 1,341 |
| Tier 1 risk-based capital ratio | 19.8300% | 1,422 |
| Total risk-based capital ratio | 20.7871% | 1,461 |
| Memoranda: | ||
| Average total assets | $113,431,000 | 4,105 |
| Average earning assets | $102,321,500 | 4,169 |
| Average equity | $14,172,000 | 3,894 |
| Average total loans | $61,474,500 | 4,259 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,801 |
| Cost of funding earning assets | 0.2146% | 4,887 |
| Net interest margin | 3.6175% | 3,006 |
| Noninterest income to average assets | 0.5762% | 2,780 |
| Noninterest expense to average assets | 3.0076% | 2,328 |
| Loan and lease loss provision to assets | 0.0598% | 3,186 |
| Net operating income to assets | 0.6234% | 4,109 |
| Return on assets (ROA) | 0.6263% | 4,214 |
| Pretax return on assets | 0.7592% | 4,304 |
| Return on Equity (ROE) | 4.9992% | 4,436 |
| Retained earnings to average equity (ytd only) | 3.5107% | 3,433 |
| Net charge-offs to loans | 0.0033% | 4,147 |
| Credit loss provision to net charge-offs | 3,400.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 463.5000% | 178 |
| Efficiency ratio | 78.6700% | 1,595 |
| Assets per employee ($millions) | 3.8057% | 4,298 |
| Cash dividends to net income (ytd only)* | 29.7753% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,994 |
| Loan loss allowance to noncurrent loans | 40.5507% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 1,223 |
| Noncurrent loans to loans | 2.5958% | 590 |
| Net loans and leases to total assets | 53.3520% | 4,494 |
| Net loans and leases to deposits | 62.1181% | 4,535 |
| Net loans and leases to core deposits | 65.7467% | 4,540 |
| Total domestic deposits to total assets | 85.8880% | 2,637 |
| Equity capital to assets | 12.3007% | 1,631 |
| Core capital (leverage) ratio | 12.2171% | 1,465 |
| Tier 1 risk-based capital ratio | 19.1908% | 1,546 |
| Total risk-based capital ratio | 20.0918% | 1,599 |
| Memoranda: | ||
| Average total assets | $113,677,000 | 4,099 |
| Average earning assets | $102,032,200 | 4,167 |
| Average equity | $14,242,200 | 3,915 |
| Average total loans | $60,704,000 | 4,274 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 3,715 |
| Cost of funding earning assets | 0.2187% | 4,889 |
| Net interest margin | 3.6470% | 2,902 |
| Noninterest income to average assets | 0.5354% | 3,007 |
| Noninterest expense to average assets | 3.0693% | 2,102 |
| Loan and lease loss provision to assets | 0.0423% | 3,390 |
| Net operating income to assets | 0.5826% | 4,360 |
| Return on assets (ROA) | 0.5836% | 4,473 |
| Pretax return on assets | 0.6951% | 4,623 |
| Return on Equity (ROE) | 4.6366% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.6757% | 3,688 |
| Net charge-offs to loans | -0.0110% | 4,799 |
| Credit loss provision to net charge-offs | -720.0000% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6541% | 1,346 |
| Assets per employee ($millions) | 3.7447% | 4,397 |
| Cash dividends to net income (ytd only)* | 20.7244% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 4,405 |
| Loan loss allowance to noncurrent loans | 38.4568% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.7491% | 958 |
| Noncurrent loans to loans | 2.6006% | 655 |
| Net loans and leases to total assets | 54.8958% | 4,416 |
| Net loans and leases to deposits | 66.0395% | 4,341 |
| Net loans and leases to core deposits | 70.0974% | 4,319 |
| Total domestic deposits to total assets | 83.1256% | 3,534 |
| Equity capital to assets | 12.9569% | 1,504 |
| Core capital (leverage) ratio | 12.1987% | 1,549 |
| Tier 1 risk-based capital ratio | 18.7375% | 1,723 |
| Total risk-based capital ratio | 19.5895% | 1,793 |
| Memoranda: | ||
| Average total assets | $113,553,250 | 4,129 |
| Average earning assets | $101,816,000 | 4,197 |
| Average equity | $14,291,750 | 3,940 |
| Average total loans | $60,489,750 | 4,311 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 3,804 |
| Cost of funding earning assets | 0.2195% | 4,943 |
| Net interest margin | 3.6213% | 3,012 |
| Noninterest income to average assets | 0.5265% | 3,027 |
| Noninterest expense to average assets | 3.0819% | 2,110 |
| Loan and lease loss provision to assets | 0.0527% | 3,093 |
| Net operating income to assets | 0.5406% | 4,518 |
| Return on assets (ROA) | 0.5406% | 4,625 |
| Pretax return on assets | 0.6353% | 4,803 |
| Return on Equity (ROE) | 4.3369% | 4,785 |
| Retained earnings to average equity (ytd only) | 2.8866% | 4,067 |
| Net charge-offs to loans | -0.0167% | 4,870 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7505% | 1,299 |
| Assets per employee ($millions) | 3.5409% | 4,686 |
| Cash dividends to net income (ytd only)* | 33.4416% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,465 |
| Loan loss allowance to noncurrent loans | 48.0530% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 1,362 |
| Noncurrent loans to loans | 2.1002% | 932 |
| Net loans and leases to total assets | 53.4124% | 4,562 |
| Net loans and leases to deposits | 64.3628% | 4,469 |
| Net loans and leases to core deposits | 68.2835% | 4,452 |
| Total domestic deposits to total assets | 82.9863% | 3,661 |
| Equity capital to assets | 12.7307% | 1,646 |
| Core capital (leverage) ratio | 11.6485% | 1,871 |
| Tier 1 risk-based capital ratio | 18.5093% | 1,799 |
| Total risk-based capital ratio | 19.3733% | 1,867 |
| Memoranda: | ||
| Average total assets | $113,957,000 | 4,158 |
| Average earning assets | $102,063,330 | 4,219 |
| Average equity | $14,203,670 | 3,973 |
| Average total loans | $59,888,330 | 4,353 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 3,930 |
| Cost of funding earning assets | 0.2269% | 4,934 |
| Net interest margin | 3.5753% | 3,187 |
| Noninterest income to average assets | 0.5460% | 2,832 |
| Noninterest expense to average assets | 3.0766% | 2,157 |
| Loan and lease loss provision to assets | 0.0420% | 3,086 |
| Net operating income to assets | 0.5320% | 4,492 |
| Return on assets (ROA) | 0.5320% | 4,601 |
| Pretax return on assets | 0.6265% | 4,740 |
| Return on Equity (ROE) | 4.3142% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.3142% | 3,324 |
| Net charge-offs to loans | -0.0270% | 5,018 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1495% | 1,357 |
| Assets per employee ($millions) | 3.5900% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 4,653 |
| Loan loss allowance to noncurrent loans | 45.4407% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.4372% | 1,444 |
| Noncurrent loans to loans | 2.1827% | 945 |
| Net loans and leases to total assets | 51.9616% | 4,628 |
| Net loans and leases to deposits | 60.6636% | 4,665 |
| Net loans and leases to core deposits | 64.9585% | 4,625 |
| Total domestic deposits to total assets | 85.6553% | 2,831 |
| Equity capital to assets | 12.3774% | 1,766 |
| Core capital (leverage) ratio | 11.6843% | 1,839 |
| Tier 1 risk-based capital ratio | 18.0142% | 1,983 |
| Total risk-based capital ratio | 18.8322% | 2,068 |
| Memoranda: | ||
| Average total assets | $114,281,000 | 4,177 |
| Average earning assets | $102,258,000 | 4,248 |
| Average equity | $14,093,000 | 3,997 |
| Average total loans | $59,263,500 | 4,397 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 3,153 |
| Cost of funding earning assets | 0.2504% | 4,784 |
| Net interest margin | 3.7911% | 2,406 |
| Noninterest income to average assets | 0.5854% | 2,803 |
| Noninterest expense to average assets | 3.1574% | 2,071 |
| Loan and lease loss provision to assets | 0.1269% | 1,907 |
| Net operating income to assets | 0.7150% | 3,737 |
| Return on assets (ROA) | 0.7212% | 3,811 |
| Pretax return on assets | 0.7310% | 4,428 |
| Return on Equity (ROE) | 5.8689% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.3490% | 2,883 |
| Net charge-offs to loans | 0.6294% | 379 |
| Credit loss provision to net charge-offs | 35.8586% | 3,581 |
| Earnings coverage of net charge-offs (x) | 2.4066% | 3,915 |
| Efficiency ratio | 78.7561% | 1,852 |
| Assets per employee ($millions) | 3.5526% | 4,720 |
| Cash dividends to net income (ytd only)* | 25.8984% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 4,628 |
| Loan loss allowance to noncurrent loans | 37.0937% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.7021% | 1,141 |
| Noncurrent loans to loans | 2.6942% | 653 |
| Net loans and leases to total assets | 50.7147% | 4,806 |
| Net loans and leases to deposits | 59.1517% | 4,838 |
| Net loans and leases to core deposits | 62.8690% | 4,805 |
| Total domestic deposits to total assets | 85.7367% | 2,755 |
| Equity capital to assets | 12.2859% | 1,753 |
| Core capital (leverage) ratio | 11.4393% | 2,008 |
| Tier 1 risk-based capital ratio | 18.1746% | 1,913 |
| Total risk-based capital ratio | 18.9893% | 1,993 |
| Memoranda: | ||
| Average total assets | $111,895,800 | 4,225 |
| Average earning assets | $101,053,600 | 4,261 |
| Average equity | $13,750,400 | 4,013 |
| Average total loans | $62,912,800 | 4,295 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 2,972 |
| Cost of funding earning assets | 0.2550% | 4,824 |
| Net interest margin | 3.8382% | 2,242 |
| Noninterest income to average assets | 0.5994% | 2,741 |
| Noninterest expense to average assets | 3.2086% | 1,947 |
| Loan and lease loss provision to assets | 0.0622% | 2,940 |
| Net operating income to assets | 0.7669% | 3,603 |
| Return on assets (ROA) | 0.7669% | 3,697 |
| Pretax return on assets | 0.8039% | 4,330 |
| Return on Equity (ROE) | 6.2400% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.2373% | 2,758 |
| Net charge-offs to loans | 0.1352% | 1,782 |
| Credit loss provision to net charge-offs | 80.0000% | 2,611 |
| Earnings coverage of net charge-offs (x) | 11.1390% | 2,528 |
| Efficiency ratio | 78.7434% | 1,851 |
| Assets per employee ($millions) | 3.4024% | 4,977 |
| Cash dividends to net income (ytd only)* | 16.0686% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 3,098 |
| Loan loss allowance to noncurrent loans | 49.5187% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.5052% | 1,497 |
| Noncurrent loans to loans | 2.6241% | 748 |
| Net loans and leases to total assets | 55.6774% | 4,393 |
| Net loans and leases to deposits | 65.3522% | 4,439 |
| Net loans and leases to core deposits | 69.5582% | 4,412 |
| Total domestic deposits to total assets | 85.1958% | 2,934 |
| Equity capital to assets | 12.3745% | 1,810 |
| Core capital (leverage) ratio | 11.5409% | 2,006 |
| Tier 1 risk-based capital ratio | 18.1544% | 1,991 |
| Total risk-based capital ratio | 19.3020% | 1,976 |
| Memoranda: | ||
| Average total assets | $111,449,000 | 4,278 |
| Average earning assets | $100,912,500 | 4,309 |
| Average equity | $13,696,250 | 4,068 |
| Average total loans | $64,082,000 | 4,299 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 2,808 |
| Cost of funding earning assets | 0.2603% | 4,828 |
| Net interest margin | 3.8643% | 2,086 |
| Noninterest income to average assets | 0.5937% | 2,778 |
| Noninterest expense to average assets | 3.2400% | 1,868 |
| Loan and lease loss provision to assets | 0.0378% | 3,366 |
| Net operating income to assets | 0.7682% | 3,545 |
| Return on assets (ROA) | 0.7682% | 3,647 |
| Pretax return on assets | 0.8150% | 4,274 |
| Return on Equity (ROE) | 6.2654% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.7541% | 3,022 |
| Net charge-offs to loans | -0.0093% | 4,905 |
| Credit loss provision to net charge-offs | -700.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1648% | 1,888 |
| Assets per employee ($millions) | 3.5735% | 4,671 |
| Cash dividends to net income (ytd only)* | 24.1218% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,940 |
| Loan loss allowance to noncurrent loans | 50.1750% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.5473% | 1,578 |
| Noncurrent loans to loans | 2.7079% | 795 |
| Net loans and leases to total assets | 56.3619% | 4,303 |
| Net loans and leases to deposits | 66.6368% | 4,276 |
| Net loans and leases to core deposits | 71.0339% | 4,217 |
| Total domestic deposits to total assets | 84.5807% | 3,305 |
| Equity capital to assets | 12.2923% | 1,809 |
| Core capital (leverage) ratio | 11.5114% | 1,983 |
| Tier 1 risk-based capital ratio | 17.5544% | 2,197 |
| Total risk-based capital ratio | 18.7295% | 2,184 |
| Memoranda: | ||
| Average total assets | $111,172,330 | 4,316 |
| Average earning assets | $100,665,330 | 4,353 |
| Average equity | $13,630,330 | 4,106 |
| Average total loans | $64,330,330 | 4,330 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 2,455 |
| Cost of funding earning assets | 0.2621% | 4,878 |
| Net interest margin | 3.9392% | 1,748 |
| Noninterest income to average assets | 0.5531% | 2,934 |
| Noninterest expense to average assets | 3.2720% | 1,788 |
| Loan and lease loss provision to assets | 0.0323% | 3,243 |
| Net operating income to assets | 0.7545% | 3,509 |
| Return on assets (ROA) | 0.7578% | 3,632 |
| Pretax return on assets | 0.8153% | 4,181 |
| Return on Equity (ROE) | 6.1890% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.1890% | 2,381 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4939% | 1,960 |
| Assets per employee ($millions) | 3.5975% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 3,432 |
| Loan loss allowance to noncurrent loans | 51.2743% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.5351% | 1,689 |
| Noncurrent loans to loans | 2.5247% | 958 |
| Net loans and leases to total assets | 57.7748% | 3,982 |
| Net loans and leases to deposits | 68.1471% | 3,938 |
| Net loans and leases to core deposits | 72.5942% | 3,904 |
| Total domestic deposits to total assets | 84.7795% | 3,522 |
| Equity capital to assets | 12.3376% | 1,796 |
| Core capital (leverage) ratio | 11.4537% | 2,037 |
| Tier 1 risk-based capital ratio | 17.2384% | 2,395 |
| Total risk-based capital ratio | 18.3860% | 2,386 |
| Memoranda: | ||
| Average total assets | $111,370,000 | 4,340 |
| Average earning assets | $100,731,500 | 4,382 |
| Average equity | $13,637,000 | 4,131 |
| Average total loans | $64,847,500 | 4,338 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,659 |
| Cost of funding earning assets | 0.3501% | 4,253 |
| Net interest margin | 3.9354% | 2,099 |
| Noninterest income to average assets | 0.5673% | 3,070 |
| Noninterest expense to average assets | 3.2279% | 2,135 |
| Loan and lease loss provision to assets | 0.0845% | 2,790 |
| Net operating income to assets | 0.6742% | 4,018 |
| Return on assets (ROA) | 0.7265% | 3,867 |
| Pretax return on assets | 0.8652% | 4,021 |
| Return on Equity (ROE) | 6.2591% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.7882% | 2,768 |
| Net charge-offs to loans | 0.5581% | 728 |
| Credit loss provision to net charge-offs | 26.3889% | 3,898 |
| Earnings coverage of net charge-offs (x) | 2.7722% | 4,068 |
| Efficiency ratio | 78.4356% | 2,145 |
| Assets per employee ($millions) | 3.2711% | 5,314 |
| Cash dividends to net income (ytd only)* | 23.5006% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,437 |
| Loan loss allowance to noncurrent loans | 49.3798% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.5798% | 1,713 |
| Noncurrent loans to loans | 2.6281% | 941 |
| Net loans and leases to total assets | 57.1692% | 4,171 |
| Net loans and leases to deposits | 67.9894% | 4,125 |
| Net loans and leases to core deposits | 72.4716% | 4,077 |
| Total domestic deposits to total assets | 84.0855% | 3,677 |
| Equity capital to assets | 12.1517% | 1,903 |
| Core capital (leverage) ratio | 11.4099% | 2,052 |
| Tier 1 risk-based capital ratio | 16.8632% | 2,567 |
| Total risk-based capital ratio | 17.9796% | 2,581 |
| Memoranda: | ||
| Average total assets | $112,455,800 | 4,333 |
| Average earning assets | $101,386,800 | 4,367 |
| Average equity | $13,053,000 | 4,183 |
| Average total loans | $64,508,200 | 4,349 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,694 |
| Cost of funding earning assets | 0.3712% | 4,117 |
| Net interest margin | 3.9129% | 2,187 |
| Noninterest income to average assets | 0.5675% | 3,080 |
| Noninterest expense to average assets | 3.2763% | 1,955 |
| Loan and lease loss provision to assets | 0.0568% | 3,236 |
| Net operating income to assets | 0.6308% | 4,299 |
| Return on assets (ROA) | 0.6858% | 4,101 |
| Pretax return on assets | 0.8277% | 4,263 |
| Return on Equity (ROE) | 5.9773% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.9880% | 3,087 |
| Net charge-offs to loans | 0.6984% | 498 |
| Credit loss provision to net charge-offs | 14.2012% | 3,649 |
| Earnings coverage of net charge-offs (x) | 2.0473% | 4,008 |
| Efficiency ratio | 80.0173% | 1,914 |
| Assets per employee ($millions) | 3.2703% | 5,283 |
| Cash dividends to net income (ytd only)* | 16.5522% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 4,005 |
| Loan loss allowance to noncurrent loans | 46.4224% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 1.6269% | 1,859 |
| Noncurrent loans to loans | 2.6764% | 1,071 |
| Net loans and leases to total assets | 57.9750% | 4,077 |
| Net loans and leases to deposits | 69.1886% | 4,009 |
| Net loans and leases to core deposits | 74.1918% | 3,923 |
| Total domestic deposits to total assets | 83.7928% | 3,838 |
| Equity capital to assets | 12.0127% | 2,046 |
| Core capital (leverage) ratio | 11.1281% | 2,369 |
| Tier 1 risk-based capital ratio | 16.7624% | 2,703 |
| Total risk-based capital ratio | 17.8504% | 2,728 |
| Memoranda: | ||
| Average total assets | $112,765,000 | 4,365 |
| Average earning assets | $101,644,000 | 4,399 |
| Average equity | $12,937,500 | 4,231 |
| Average total loans | $64,530,500 | 4,389 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 2,851 |
| Cost of funding earning assets | 0.3903% | 3,991 |
| Net interest margin | 3.8382% | 2,421 |
| Noninterest income to average assets | 0.5490% | 3,129 |
| Noninterest expense to average assets | 3.2695% | 1,995 |
| Loan and lease loss provision to assets | 0.0441% | 3,435 |
| Net operating income to assets | 0.5814% | 4,446 |
| Return on assets (ROA) | 0.6497% | 4,204 |
| Pretax return on assets | 0.7715% | 4,378 |
| Return on Equity (ROE) | 5.7510% | 4,306 |
| Retained earnings to average equity (ytd only) | 4.2508% | 3,467 |
| Net charge-offs to loans | 1.0423% | 329 |
| Credit loss provision to net charge-offs | 7.4627% | 3,330 |
| Earnings coverage of net charge-offs (x) | 1.2418% | 3,859 |
| Efficiency ratio | 81.6578% | 1,787 |
| Assets per employee ($millions) | 3.2219% | 5,392 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 4,264 |
| Loan loss allowance to noncurrent loans | 44.5634% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 2,016 |
| Noncurrent loans to loans | 2.7651% | 1,086 |
| Net loans and leases to total assets | 56.2235% | 4,256 |
| Net loans and leases to deposits | 66.8047% | 4,187 |
| Net loans and leases to core deposits | 72.0261% | 4,051 |
| Total domestic deposits to total assets | 84.1610% | 3,867 |
| Equity capital to assets | 11.6267% | 2,301 |
| Core capital (leverage) ratio | 10.8818% | 2,547 |
| Tier 1 risk-based capital ratio | 16.2265% | 2,968 |
| Total risk-based capital ratio | 17.2810% | 3,005 |
| Memoranda: | ||
| Average total assets | $113,289,670 | 4,379 |
| Average earning assets | $101,975,330 | 4,414 |
| Average equity | $12,797,670 | 4,266 |
| Average total loans | $64,282,670 | 4,416 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 2,796 |
| Cost of funding earning assets | 0.4502% | 3,427 |
| Net interest margin | 3.7702% | 2,596 |
| Noninterest income to average assets | 0.5143% | 3,303 |
| Noninterest expense to average assets | 3.2514% | 2,069 |
| Loan and lease loss provision to assets | 0.0176% | 3,601 |
| Net operating income to assets | 0.5313% | 4,550 |
| Return on assets (ROA) | 0.6658% | 3,956 |
| Pretax return on assets | 0.7996% | 4,119 |
| Return on Equity (ROE) | 5.9805% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.9805% | 2,554 |
| Net charge-offs to loans | 1.0633% | 312 |
| Credit loss provision to net charge-offs | 2.9240% | 2,663 |
| Earnings coverage of net charge-offs (x) | 1.0877% | 3,182 |
| Efficiency ratio | 83.2281% | 1,762 |
| Assets per employee ($millions) | 2.9379% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,333 |
| Loan loss allowance to noncurrent loans | 32.3866% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 2.6639% | 1,153 |
| Noncurrent loans to loans | 4.5076% | 527 |
| Net loans and leases to total assets | 56.5316% | 4,076 |
| Net loans and leases to deposits | 65.8779% | 4,113 |
| Net loans and leases to core deposits | 70.9669% | 3,987 |
| Total domestic deposits to total assets | 85.8127% | 3,455 |
| Equity capital to assets | 11.4939% | 2,254 |
| Core capital (leverage) ratio | 10.7473% | 2,660 |
| Tier 1 risk-based capital ratio | 15.4452% | 3,470 |
| Total risk-based capital ratio | 16.6384% | 3,457 |
| Memoranda: | ||
| Average total assets | $113,551,500 | 4,420 |
| Average earning assets | $102,169,500 | 4,443 |
| Average equity | $12,641,000 | 4,315 |
| Average total loans | $64,328,000 | 4,449 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 2,318 |
| Cost of funding earning assets | 0.5510% | 3,100 |
| Net interest margin | 3.9196% | 2,222 |
| Noninterest income to average assets | 0.5582% | 3,346 |
| Noninterest expense to average assets | 3.1578% | 2,556 |
| Loan and lease loss provision to assets | 0.0420% | 4,273 |
| Net operating income to assets | 0.6995% | 3,796 |
| Return on assets (ROA) | 0.7082% | 3,840 |
| Pretax return on assets | 0.9071% | 3,738 |
| Return on Equity (ROE) | 6.5674% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.9932% | 2,602 |
| Net charge-offs to loans | 0.2328% | 2,591 |
| Credit loss provision to net charge-offs | 32.6667% | 4,191 |
| Earnings coverage of net charge-offs (x) | 7.2933% | 2,877 |
| Efficiency ratio | 77.0986% | 2,605 |
| Assets per employee ($millions) | 3.0384% | 5,774 |
| Cash dividends to net income (ytd only)* | 23.9709% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 2,390 |
| Loan loss allowance to noncurrent loans | 51.1379% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.8647% | 1,960 |
| Noncurrent loans to loans | 3.3324% | 975 |
| Net loans and leases to total assets | 55.0030% | 4,457 |
| Net loans and leases to deposits | 66.6810% | 4,223 |
| Net loans and leases to core deposits | 71.8568% | 4,090 |
| Total domestic deposits to total assets | 82.4867% | 4,716 |
| Equity capital to assets | 10.7829% | 2,839 |
| Core capital (leverage) ratio | 10.3598% | 3,074 |
| Tier 1 risk-based capital ratio | 15.7659% | 3,215 |
| Total risk-based capital ratio | 17.0188% | 3,172 |
| Memoranda: | ||
| Average total assets | $116,632,400 | 4,347 |
| Average earning assets | $105,267,000 | 4,382 |
| Average equity | $12,577,200 | 4,338 |
| Average total loans | $64,435,000 | 4,466 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 2,334 |
| Cost of funding earning assets | 0.5637% | 3,135 |
| Net interest margin | 3.9092% | 2,239 |
| Noninterest income to average assets | 0.5656% | 3,363 |
| Noninterest expense to average assets | 3.1586% | 2,483 |
| Loan and lease loss provision to assets | 0.0456% | 4,098 |
| Net operating income to assets | 0.6988% | 3,867 |
| Return on assets (ROA) | 0.7104% | 3,936 |
| Pretax return on assets | 0.9111% | 3,835 |
| Return on Equity (ROE) | 6.5878% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.6361% | 2,641 |
| Net charge-offs to loans | 0.3106% | 1,987 |
| Credit loss provision to net charge-offs | 26.6667% | 3,955 |
| Earnings coverage of net charge-offs (x) | 5.5066% | 3,175 |
| Efficiency ratio | 77.0300% | 2,558 |
| Assets per employee ($millions) | 3.1082% | 5,662 |
| Cash dividends to net income (ytd only)* | 14.4465% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 2,613 |
| Loan loss allowance to noncurrent loans | 54.0862% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.7556% | 2,334 |
| Noncurrent loans to loans | 3.1482% | 1,249 |
| Net loans and leases to total assets | 54.8141% | 4,482 |
| Net loans and leases to deposits | 65.5912% | 4,347 |
| Net loans and leases to core deposits | 70.6248% | 4,250 |
| Total domestic deposits to total assets | 83.5694% | 4,357 |
| Equity capital to assets | 10.7743% | 2,982 |
| Core capital (leverage) ratio | 10.2945% | 3,250 |
| Tier 1 risk-based capital ratio | 15.5982% | 3,409 |
| Total risk-based capital ratio | 16.8531% | 3,368 |
| Memoranda: | ||
| Average total assets | $116,925,250 | 4,382 |
| Average earning assets | $105,729,750 | 4,411 |
| Average equity | $12,609,000 | 4,380 |
| Average total loans | $64,391,750 | 4,513 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 2,339 |
| Cost of funding earning assets | 0.5810% | 3,118 |
| Net interest margin | 3.8826% | 2,263 |
| Noninterest income to average assets | 0.5529% | 3,479 |
| Noninterest expense to average assets | 3.0996% | 2,662 |
| Loan and lease loss provision to assets | 0.0510% | 3,968 |
| Net operating income to assets | 0.7111% | 3,750 |
| Return on assets (ROA) | 0.7230% | 3,870 |
| Pretax return on assets | 0.9305% | 3,782 |
| Return on Equity (ROE) | 6.7026% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.2832% | 2,873 |
| Net charge-offs to loans | 0.4746% | 1,395 |
| Credit loss provision to net charge-offs | 19.6078% | 3,739 |
| Earnings coverage of net charge-offs (x) | 3.7124% | 3,325 |
| Efficiency ratio | 76.2343% | 2,746 |
| Assets per employee ($millions) | 3.0609% | 5,745 |
| Cash dividends to net income (ytd only)* | 21.1765% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 2,921 |
| Loan loss allowance to noncurrent loans | 49.6549% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.8682% | 2,317 |
| Noncurrent loans to loans | 3.3530% | 1,295 |
| Net loans and leases to total assets | 54.7887% | 4,480 |
| Net loans and leases to deposits | 66.2040% | 4,243 |
| Net loans and leases to core deposits | 71.2698% | 4,139 |
| Total domestic deposits to total assets | 82.7573% | 4,796 |
| Equity capital to assets | 10.6744% | 3,094 |
| Core capital (leverage) ratio | 9.8421% | 3,731 |
| Tier 1 risk-based capital ratio | 15.1320% | 3,691 |
| Total risk-based capital ratio | 16.3846% | 3,651 |
| Memoranda: | ||
| Average total assets | $117,565,330 | 4,402 |
| Average earning assets | $106,373,000 | 4,422 |
| Average equity | $12,681,670 | 4,400 |
| Average total loans | $64,478,670 | 4,521 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 2,334 |
| Cost of funding earning assets | 0.6070% | 3,041 |
| Net interest margin | 3.8479% | 2,290 |
| Noninterest income to average assets | 0.5178% | 3,651 |
| Noninterest expense to average assets | 3.0595% | 2,808 |
| Loan and lease loss provision to assets | 0.0508% | 3,770 |
| Net operating income to assets | 0.6516% | 3,952 |
| Return on assets (ROA) | 0.6566% | 4,080 |
| Pretax return on assets | 0.8901% | 3,796 |
| Return on Equity (ROE) | 6.0556% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.0556% | 2,652 |
| Net charge-offs to loans | 0.0498% | 3,332 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 889 |
| Efficiency ratio | 76.6102% | 2,826 |
| Assets per employee ($millions) | 3.0340% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,334 |
| Loan loss allowance to noncurrent loans | 52.9798% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.9413% | 2,419 |
| Noncurrent loans to loans | 3.5662% | 1,342 |
| Net loans and leases to total assets | 53.0573% | 4,550 |
| Net loans and leases to deposits | 63.6217% | 4,362 |
| Net loans and leases to core deposits | 69.9631% | 4,087 |
| Total domestic deposits to total assets | 83.3949% | 4,715 |
| Equity capital to assets | 10.8675% | 3,114 |
| Core capital (leverage) ratio | 9.8674% | 3,578 |
| Tier 1 risk-based capital ratio | 15.4077% | 3,588 |
| Total risk-based capital ratio | 16.6624% | 3,542 |
| Memoranda: | ||
| Average total assets | $118,190,000 | 4,436 |
| Average earning assets | $106,760,500 | 4,452 |
| Average equity | $12,814,500 | 4,417 |
| Average total loans | $64,314,500 | 4,553 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 1,603 |
| Cost of funding earning assets | 0.7059% | 3,453 |
| Net interest margin | 4.2788% | 1,447 |
| Noninterest income to average assets | 0.5470% | 3,606 |
| Noninterest expense to average assets | 3.1736% | 2,699 |
| Loan and lease loss provision to assets | 0.1018% | 4,367 |
| Net operating income to assets | 0.8075% | 3,250 |
| Return on assets (ROA) | 0.8057% | 3,512 |
| Pretax return on assets | 1.1348% | 3,035 |
| Return on Equity (ROE) | 7.6955% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.2779% | 1,927 |
| Net charge-offs to loans | 0.1560% | 4,141 |
| Credit loss provision to net charge-offs | 116.5049% | 2,474 |
| Earnings coverage of net charge-offs (x) | 14.1845% | 1,756 |
| Efficiency ratio | 71.9200% | 3,426 |
| Assets per employee ($millions) | 3.1907% | 5,644 |
| Cash dividends to net income (ytd only)* | 18.4211% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 2,417 |
| Loan loss allowance to noncurrent loans | 52.6039% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.9482% | 2,514 |
| Noncurrent loans to loans | 3.5350% | 1,405 |
| Net loans and leases to total assets | 53.7360% | 4,654 |
| Net loans and leases to deposits | 64.4407% | 4,487 |
| Net loans and leases to core deposits | 71.2458% | 4,140 |
| Total domestic deposits to total assets | 83.3883% | 4,568 |
| Equity capital to assets | 10.8170% | 3,158 |
| Core capital (leverage) ratio | 9.6937% | 3,815 |
| Tier 1 risk-based capital ratio | 14.9697% | 3,734 |
| Total risk-based capital ratio | 16.2239% | 3,686 |
| Memoranda: | ||
| Average total assets | $117,908,800 | 4,404 |
| Average earning assets | $106,524,000 | 4,429 |
| Average equity | $12,344,800 | 4,489 |
| Average total loans | $66,013,800 | 4,502 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,527 |
| Cost of funding earning assets | 0.7240% | 3,563 |
| Net interest margin | 4.3375% | 1,382 |
| Noninterest income to average assets | 0.5871% | 3,371 |
| Noninterest expense to average assets | 3.2317% | 2,478 |
| Loan and lease loss provision to assets | 0.1244% | 3,997 |
| Net operating income to assets | 0.8189% | 3,350 |
| Return on assets (ROA) | 0.8189% | 3,595 |
| Pretax return on assets | 1.1549% | 3,145 |
| Return on Equity (ROE) | 7.8875% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.9615% | 2,155 |
| Net charge-offs to loans | 0.2050% | 3,505 |
| Credit loss provision to net charge-offs | 107.8431% | 2,723 |
| Earnings coverage of net charge-offs (x) | 11.0879% | 2,113 |
| Efficiency ratio | 71.6399% | 3,389 |
| Assets per employee ($millions) | 3.1645% | 5,704 |
| Cash dividends to net income (ytd only)* | 11.7403% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 2,826 |
| Loan loss allowance to noncurrent loans | 51.3781% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 2,582 |
| Noncurrent loans to loans | 3.4809% | 1,557 |
| Net loans and leases to total assets | 55.9524% | 4,463 |
| Net loans and leases to deposits | 67.2508% | 4,299 |
| Net loans and leases to core deposits | 74.0863% | 3,967 |
| Total domestic deposits to total assets | 83.1997% | 4,563 |
| Equity capital to assets | 10.8680% | 3,423 |
| Core capital (leverage) ratio | 9.5810% | 4,147 |
| Tier 1 risk-based capital ratio | 14.3507% | 4,298 |
| Total risk-based capital ratio | 15.6042% | 4,266 |
| Memoranda: | ||
| Average total assets | $117,872,250 | 4,449 |
| Average earning assets | $106,632,250 | 4,473 |
| Average equity | $12,238,500 | 4,550 |
| Average total loans | $66,357,250 | 4,535 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 1,524 |
| Cost of funding earning assets | 0.7443% | 3,652 |
| Net interest margin | 4.3476% | 1,345 |
| Noninterest income to average assets | 0.5536% | 3,561 |
| Noninterest expense to average assets | 3.2336% | 2,484 |
| Loan and lease loss provision to assets | 0.1270% | 3,932 |
| Net operating income to assets | 0.7888% | 3,440 |
| Return on assets (ROA) | 0.7923% | 3,675 |
| Pretax return on assets | 1.1241% | 3,215 |
| Return on Equity (ROE) | 7.7507% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.3430% | 2,474 |
| Net charge-offs to loans | 0.1479% | 3,727 |
| Credit loss provision to net charge-offs | 153.0612% | 1,808 |
| Earnings coverage of net charge-offs (x) | 15.0204% | 1,671 |
| Efficiency ratio | 72.1844% | 3,399 |
| Assets per employee ($millions) | 3.1823% | 5,688 |
| Cash dividends to net income (ytd only)* | 18.1624% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 2,813 |
| Loan loss allowance to noncurrent loans | 50.4163% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1003% | 2,666 |
| Noncurrent loans to loans | 3.5958% | 1,593 |
| Net loans and leases to total assets | 55.7043% | 4,512 |
| Net loans and leases to deposits | 66.6345% | 4,429 |
| Net loans and leases to core deposits | 72.9099% | 4,179 |
| Total domestic deposits to total assets | 83.5968% | 4,488 |
| Equity capital to assets | 10.5380% | 3,637 |
| Core capital (leverage) ratio | 9.3190% | 4,426 |
| Tier 1 risk-based capital ratio | 13.6491% | 4,708 |
| Total risk-based capital ratio | 14.9021% | 4,673 |
| Memoranda: | ||
| Average total assets | $118,134,000 | 4,462 |
| Average earning assets | $106,678,330 | 4,494 |
| Average equity | $12,076,330 | 4,584 |
| Average total loans | $66,241,000 | 4,552 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 1,716 |
| Cost of funding earning assets | 0.7730% | 3,679 |
| Net interest margin | 4.2780% | 1,537 |
| Noninterest income to average assets | 0.5611% | 3,488 |
| Noninterest expense to average assets | 3.2790% | 2,357 |
| Loan and lease loss provision to assets | 0.1014% | 4,067 |
| Net operating income to assets | 0.7334% | 3,720 |
| Return on assets (ROA) | 0.7166% | 4,022 |
| Pretax return on assets | 1.0107% | 3,641 |
| Return on Equity (ROE) | 7.1198% | 3,711 |
| Retained earnings to average equity (ytd only) | 7.1198% | 2,370 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2726% | 3,056 |
| Assets per employee ($millions) | 2.9064% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 2,837 |
| Loan loss allowance to noncurrent loans | 46.8208% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 2.2373% | 2,659 |
| Noncurrent loans to loans | 3.9546% | 1,554 |
| Net loans and leases to total assets | 54.0478% | 4,715 |
| Net loans and leases to deposits | 64.4398% | 4,571 |
| Net loans and leases to core deposits | 69.8240% | 4,447 |
| Total domestic deposits to total assets | 83.8733% | 4,561 |
| Equity capital to assets | 10.1172% | 3,968 |
| Core capital (leverage) ratio | 9.1257% | 4,645 |
| Tier 1 risk-based capital ratio | 13.3992% | 4,899 |
| Total risk-based capital ratio | 14.6520% | 4,888 |
| Memoranda: | ||
| Average total assets | $118,328,500 | 4,489 |
| Average earning assets | $106,591,000 | 4,528 |
| Average equity | $11,910,500 | 4,630 |
| Average total loans | $65,961,500 | 4,586 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4471% | 1,309 |
| Cost of funding earning assets | 0.9365% | 3,823 |
| Net interest margin | 4.5106% | 1,111 |
| Noninterest income to average assets | 0.1984% | 6,084 |
| Noninterest expense to average assets | 3.3753% | 2,305 |
| Loan and lease loss provision to assets | 0.0766% | 5,652 |
| Net operating income to assets | 0.5856% | 4,073 |
| Return on assets (ROA) | 0.5926% | 4,213 |
| Pretax return on assets | 0.7953% | 3,997 |
| Return on Equity (ROE) | 6.1146% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.9110% | 2,708 |
| Net charge-offs to loans | 0.2657% | 4,111 |
| Credit loss provision to net charge-offs | 47.8723% | 5,471 |
| Earnings coverage of net charge-offs (x) | 5.3883% | 2,810 |
| Efficiency ratio | 79.6464% | 2,355 |
| Assets per employee ($millions) | 2.9374% | 6,215 |
| Cash dividends to net income (ytd only)* | 19.6839% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,908 |
| Loan loss allowance to noncurrent loans | 44.7001% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 2.3508% | 2,575 |
| Noncurrent loans to loans | 3.9983% | 1,559 |
| Net loans and leases to total assets | 55.4224% | 4,807 |
| Net loans and leases to deposits | 66.1150% | 4,713 |
| Net loans and leases to core deposits | 72.0499% | 4,531 |
| Total domestic deposits to total assets | 83.8273% | 4,396 |
| Equity capital to assets | 10.0133% | 4,155 |
| Core capital (leverage) ratio | 9.1407% | 4,561 |
| Tier 1 risk-based capital ratio | 13.6009% | 4,619 |
| Total risk-based capital ratio | 14.8541% | 4,590 |
| Memoranda: | ||
| Average total assets | $117,442,400 | 4,471 |
| Average earning assets | $105,175,400 | 4,521 |
| Average equity | $11,382,600 | 4,685 |
| Average total loans | $70,766,000 | 4,461 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5059% | 1,238 |
| Cost of funding earning assets | 0.9769% | 3,838 |
| Net interest margin | 4.5291% | 1,083 |
| Noninterest income to average assets | 0.2135% | 6,085 |
| Noninterest expense to average assets | 3.4142% | 2,156 |
| Loan and lease loss provision to assets | 0.1022% | 5,166 |
| Net operating income to assets | 0.5306% | 4,404 |
| Return on assets (ROA) | 0.5427% | 4,534 |
| Pretax return on assets | 0.7675% | 4,251 |
| Return on Equity (ROE) | 5.6465% | 4,209 |
| Retained earnings to average equity (ytd only) | 4.8551% | 3,272 |
| Net charge-offs to loans | 0.1391% | 4,666 |
| Credit loss provision to net charge-offs | 120.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | 10.0131% | 1,977 |
| Efficiency ratio | 80.0160% | 2,254 |
| Assets per employee ($millions) | 2.8830% | 6,346 |
| Cash dividends to net income (ytd only)* | 14.0165% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 2,666 |
| Loan loss allowance to noncurrent loans | 49.7699% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 3.3125% | 1,920 |
| Noncurrent loans to loans | 3.7826% | 1,786 |
| Net loans and leases to total assets | 58.6623% | 4,381 |
| Net loans and leases to deposits | 71.1072% | 4,124 |
| Net loans and leases to core deposits | 77.6444% | 3,958 |
| Total domestic deposits to total assets | 82.4984% | 4,880 |
| Equity capital to assets | 10.1369% | 4,173 |
| Core capital (leverage) ratio | 8.9296% | 5,053 |
| Tier 1 risk-based capital ratio | 13.2854% | 4,883 |
| Total risk-based capital ratio | 14.5409% | 4,859 |
| Memoranda: | ||
| Average total assets | $117,429,500 | 4,494 |
| Average earning assets | $105,096,500 | 4,549 |
| Average equity | $11,287,000 | 4,737 |
| Average total loans | $71,881,750 | 4,463 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 1,331 |
| Cost of funding earning assets | 1.0199% | 3,820 |
| Net interest margin | 4.4658% | 1,213 |
| Noninterest income to average assets | 0.1388% | 6,631 |
| Noninterest expense to average assets | 3.5012% | 1,972 |
| Loan and lease loss provision to assets | 0.0847% | 5,253 |
| Net operating income to assets | 0.3984% | 4,957 |
| Return on assets (ROA) | 0.4182% | 5,016 |
| Pretax return on assets | 0.5756% | 4,828 |
| Return on Equity (ROE) | 4.4294% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.2279% | 4,213 |
| Net charge-offs to loans | 0.1784% | 4,099 |
| Credit loss provision to net charge-offs | 76.9231% | 3,858 |
| Earnings coverage of net charge-offs (x) | 5.7538% | 2,536 |
| Efficiency ratio | 84.6847% | 1,739 |
| Assets per employee ($millions) | 2.9921% | 6,107 |
| Cash dividends to net income (ytd only)* | 27.1255% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 3,014 |
| Loan loss allowance to noncurrent loans | 47.1726% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 3.5581% | 1,841 |
| Noncurrent loans to loans | 3.8038% | 1,837 |
| Net loans and leases to total assets | 59.4721% | 4,384 |
| Net loans and leases to deposits | 71.0223% | 4,288 |
| Net loans and leases to core deposits | 77.8886% | 4,063 |
| Total domestic deposits to total assets | 83.7373% | 4,456 |
| Equity capital to assets | 9.7395% | 4,484 |
| Core capital (leverage) ratio | 8.5247% | 5,514 |
| Tier 1 risk-based capital ratio | 12.7836% | 5,105 |
| Total risk-based capital ratio | 14.0376% | 5,073 |
| Memoranda: | ||
| Average total assets | $118,132,330 | 4,511 |
| Average earning assets | $105,693,330 | 4,574 |
| Average equity | $11,152,670 | 4,772 |
| Average total loans | $72,859,670 | 4,471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4589% | 1,405 |
| Cost of funding earning assets | 1.0692% | 3,723 |
| Net interest margin | 4.3897% | 1,309 |
| Noninterest income to average assets | -0.0303% | 7,338 |
| Noninterest expense to average assets | 3.4665% | 2,094 |
| Loan and lease loss provision to assets | 0.1010% | 4,747 |
| Net operating income to assets | 0.2625% | 5,571 |
| Return on assets (ROA) | 0.2490% | 5,687 |
| Pretax return on assets | 0.3096% | 5,626 |
| Return on Equity (ROE) | 2.6796% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.6796% | 4,556 |
| Net charge-offs to loans | 0.2975% | 2,860 |
| Credit loss provision to net charge-offs | 54.5455% | 3,660 |
| Earnings coverage of net charge-offs (x) | 2.3091% | 3,154 |
| Efficiency ratio | 89.0233% | 1,416 |
| Assets per employee ($millions) | 2.8317% | 6,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 3,238 |
| Loan loss allowance to noncurrent loans | 47.8327% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.6029% | 1,890 |
| Noncurrent loans to loans | 3.6228% | 2,050 |
| Net loans and leases to total assets | 59.9813% | 4,262 |
| Net loans and leases to deposits | 71.0181% | 4,194 |
| Net loans and leases to core deposits | 77.5520% | 4,082 |
| Total domestic deposits to total assets | 84.4592% | 4,293 |
| Equity capital to assets | 9.3020% | 4,726 |
| Core capital (leverage) ratio | 8.3031% | 5,804 |
| Tier 1 risk-based capital ratio | 12.4080% | 5,346 |
| Total risk-based capital ratio | 13.6624% | 5,327 |
| Memoranda: | ||
| Average total assets | $118,853,500 | 4,517 |
| Average earning assets | $106,248,000 | 4,588 |
| Average equity | $11,046,500 | 4,791 |
| Average total loans | $73,956,500 | 4,469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7464% | 1,414 |
| Cost of funding earning assets | 1.4159% | 3,159 |
| Net interest margin | 4.3306% | 1,711 |
| Noninterest income to average assets | 0.2746% | 5,820 |
| Noninterest expense to average assets | 3.3662% | 2,534 |
| Loan and lease loss provision to assets | 0.1944% | 5,289 |
| Net operating income to assets | 0.4350% | 4,390 |
| Return on assets (ROA) | 0.4841% | 4,326 |
| Pretax return on assets | 0.6809% | 4,043 |
| Return on Equity (ROE) | 5.6378% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.6378% | 2,023 |
| Net charge-offs to loans | 0.9215% | 2,338 |
| Credit loss provision to net charge-offs | 33.0634% | 6,474 |
| Earnings coverage of net charge-offs (x) | 1.3711% | 4,738 |
| Efficiency ratio | 80.6771% | 2,320 |
| Assets per employee ($millions) | 2.8280% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 3,204 |
| Loan loss allowance to noncurrent loans | 74.1618% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.7910% | 2,509 |
| Noncurrent loans to loans | 2.2969% | 3,225 |
| Net loans and leases to total assets | 62.3321% | 4,219 |
| Net loans and leases to deposits | 73.8187% | 4,223 |
| Net loans and leases to core deposits | 80.9126% | 4,077 |
| Total domestic deposits to total assets | 84.4395% | 4,154 |
| Equity capital to assets | 9.2865% | 4,705 |
| Core capital (leverage) ratio | 8.1438% | 5,920 |
| Tier 1 risk-based capital ratio | 12.3775% | 5,136 |
| Total risk-based capital ratio | 13.6315% | 5,102 |
| Memoranda: | ||
| Average total assets | $126,016,000 | 4,351 |
| Average earning assets | $113,426,600 | 4,389 |
| Average equity | $10,819,800 | 4,905 |
| Average total loans | $80,411,400 | 4,335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7690% | 1,487 |
| Cost of funding earning assets | 1.4946% | 3,015 |
| Net interest margin | 4.2744% | 1,940 |
| Noninterest income to average assets | 0.2764% | 5,893 |
| Noninterest expense to average assets | 3.3941% | 2,311 |
| Loan and lease loss provision to assets | 0.1304% | 5,724 |
| Net operating income to assets | 0.4305% | 4,626 |
| Return on assets (ROA) | 0.4986% | 4,516 |
| Pretax return on assets | 0.7020% | 4,223 |
| Return on Equity (ROE) | 5.9191% | 3,856 |
| Retained earnings to average equity (ytd only) | 5.9191% | 2,405 |
| Net charge-offs to loans | 1.1132% | 1,829 |
| Credit loss provision to net charge-offs | 18.3284% | 6,265 |
| Earnings coverage of net charge-offs (x) | 1.0352% | 5,024 |
| Efficiency ratio | 82.1717% | 2,042 |
| Assets per employee ($millions) | 2.8212% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 3,677 |
| Loan loss allowance to noncurrent loans | 56.1581% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 3.1662% | 2,272 |
| Noncurrent loans to loans | 2.7883% | 2,857 |
| Net loans and leases to total assets | 63.3230% | 4,251 |
| Net loans and leases to deposits | 75.8032% | 4,208 |
| Net loans and leases to core deposits | 83.8141% | 3,973 |
| Total domestic deposits to total assets | 83.5360% | 4,357 |
| Equity capital to assets | 9.1952% | 5,320 |
| Core capital (leverage) ratio | 7.8245% | 6,549 |
| Tier 1 risk-based capital ratio | 11.6343% | 5,805 |
| Total risk-based capital ratio | 12.8868% | 5,779 |
| Memoranda: | ||
| Average total assets | $127,826,250 | 4,374 |
| Average earning assets | $115,256,750 | 4,397 |
| Average equity | $10,767,250 | 4,983 |
| Average total loans | $81,684,750 | 4,360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7436% | 1,582 |
| Cost of funding earning assets | 1.5618% | 2,897 |
| Net interest margin | 4.1818% | 2,215 |
| Noninterest income to average assets | 0.4339% | 4,657 |
| Noninterest expense to average assets | 3.5308% | 1,956 |
| Loan and lease loss provision to assets | 0.1231% | 5,662 |
| Net operating income to assets | 0.4028% | 4,745 |
| Return on assets (ROA) | 0.4692% | 4,628 |
| Pretax return on assets | 0.6539% | 4,385 |
| Return on Equity (ROE) | 5.7342% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.7342% | 2,473 |
| Net charge-offs to loans | 0.9940% | 1,864 |
| Credit loss provision to net charge-offs | 19.4175% | 5,859 |
| Earnings coverage of net charge-offs (x) | 1.0801% | 4,716 |
| Efficiency ratio | 83.7591% | 1,947 |
| Assets per employee ($millions) | 2.9339% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 2,794 |
| Loan loss allowance to noncurrent loans | 57.0134% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 3.2246% | 2,189 |
| Noncurrent loans to loans | 3.1172% | 2,577 |
| Net loans and leases to total assets | 63.3914% | 4,376 |
| Net loans and leases to deposits | 74.5389% | 4,592 |
| Net loans and leases to core deposits | 83.4076% | 4,224 |
| Total domestic deposits to total assets | 85.0447% | 3,600 |
| Equity capital to assets | 8.6131% | 5,993 |
| Core capital (leverage) ratio | 7.3810% | 6,934 |
| Tier 1 risk-based capital ratio | 11.0333% | 6,203 |
| Total risk-based capital ratio | 12.2885% | 6,190 |
| Memoranda: | ||
| Average total assets | $129,997,330 | 4,352 |
| Average earning assets | $117,557,000 | 4,381 |
| Average equity | $10,638,000 | 5,018 |
| Average total loans | $82,899,330 | 4,356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7361% | 1,653 |
| Cost of funding earning assets | 1.6374% | 2,725 |
| Net interest margin | 4.0986% | 2,445 |
| Noninterest income to average assets | 0.4488% | 4,482 |
| Noninterest expense to average assets | 3.5507% | 1,844 |
| Loan and lease loss provision to assets | 0.1364% | 5,199 |
| Net operating income to assets | 0.3406% | 5,125 |
| Return on assets (ROA) | 0.4366% | 4,810 |
| Pretax return on assets | 0.6064% | 4,575 |
| Return on Equity (ROE) | 5.4732% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.4732% | 2,884 |
| Net charge-offs to loans | 1.0665% | 1,565 |
| Credit loss provision to net charge-offs | 20.1794% | 4,945 |
| Earnings coverage of net charge-offs (x) | 0.9013% | 4,238 |
| Efficiency ratio | 85.3499% | 1,868 |
| Assets per employee ($millions) | 2.9479% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 2,389 |
| Loan loss allowance to noncurrent loans | 82.9534% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.4594% | 2,952 |
| Noncurrent loans to loans | 2.3126% | 3,374 |
| Net loans and leases to total assets | 63.1068% | 4,511 |
| Net loans and leases to deposits | 73.1375% | 4,877 |
| Net loans and leases to core deposits | 82.5432% | 4,411 |
| Total domestic deposits to total assets | 86.2852% | 2,991 |
| Equity capital to assets | 8.1861% | 6,451 |
| Core capital (leverage) ratio | 7.0193% | 7,240 |
| Tier 1 risk-based capital ratio | 10.4780% | 6,652 |
| Total risk-based capital ratio | 11.7355% | 6,639 |
| Memoranda: | ||
| Average total assets | $131,918,000 | 4,360 |
| Average earning assets | $119,454,500 | 4,388 |
| Average equity | $10,524,000 | 5,092 |
| Average total loans | $83,639,500 | 4,397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7952% | 2,676 |
| Cost of funding earning assets | 2.2567% | 1,814 |
| Net interest margin | 3.5385% | 4,786 |
| Noninterest income to average assets | 0.4589% | 4,724 |
| Noninterest expense to average assets | 3.2801% | 3,078 |
| Loan and lease loss provision to assets | 0.5318% | 3,715 |
| Net operating income to assets | -0.1031% | 5,687 |
| Return on assets (ROA) | -0.0292% | 5,579 |
| Pretax return on assets | -0.0389% | 5,505 |
| Return on Equity (ROE) | -0.4086% | 5,602 |
| Retained earnings to average equity (ytd only) | -0.4086% | 5,064 |
| Net charge-offs to loans | 0.9753% | 2,459 |
| Credit loss provision to net charge-offs | 88.2488% | 6,056 |
| Earnings coverage of net charge-offs (x) | 0.6544% | 5,436 |
| Efficiency ratio | 89.2688% | 1,769 |
| Assets per employee ($millions) | 3.1193% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 1,786 |
| Loan loss allowance to noncurrent loans | 97.8010% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 2.1696% | 3,171 |
| Noncurrent loans to loans | 2.1700% | 3,426 |
| Net loans and leases to total assets | 61.1687% | 5,164 |
| Net loans and leases to deposits | 70.3205% | 5,566 |
| Net loans and leases to core deposits | 93.7818% | 4,694 |
| Total domestic deposits to total assets | 86.9857% | 2,517 |
| Equity capital to assets | 7.7761% | 6,791 |
| Core capital (leverage) ratio | 6.5953% | 7,448 |
| Tier 1 risk-based capital ratio | 10.1547% | 6,736 |
| Total risk-based capital ratio | 11.4145% | 6,688 |
| Memoranda: | ||
| Average total assets | $144,050,400 | 4,044 |
| Average earning assets | $130,901,600 | 4,067 |
| Average equity | $10,279,800 | 5,221 |
| Average total loans | $89,002,600 | 4,240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7884% | 2,940 |
| Cost of funding earning assets | 2.3966% | 1,647 |
| Net interest margin | 3.3918% | 5,304 |
| Noninterest income to average assets | 0.4468% | 4,920 |
| Noninterest expense to average assets | 3.2675% | 3,043 |
| Loan and lease loss provision to assets | 0.6151% | 2,931 |
| Net operating income to assets | -0.2774% | 6,172 |
| Return on assets (ROA) | -0.1847% | 6,047 |
| Pretax return on assets | -0.2329% | 6,025 |
| Return on Equity (ROE) | -2.6426% | 6,183 |
| Retained earnings to average equity (ytd only) | -2.6426% | 5,850 |
| Net charge-offs to loans | 1.2521% | 1,632 |
| Credit loss provision to net charge-offs | 79.7170% | 5,772 |
| Earnings coverage of net charge-offs (x) | 0.3432% | 5,681 |
| Efficiency ratio | 92.5039% | 1,503 |
| Assets per employee ($millions) | 3.1398% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 1,887 |
| Loan loss allowance to noncurrent loans | 94.0044% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 2.3040% | 2,973 |
| Noncurrent loans to loans | 2.0871% | 3,516 |
| Net loans and leases to total assets | 61.8151% | 5,277 |
| Net loans and leases to deposits | 71.5050% | 5,734 |
| Net loans and leases to core deposits | 97.8134% | 4,625 |
| Total domestic deposits to total assets | 86.4487% | 2,454 |
| Equity capital to assets | 7.4079% | 7,366 |
| Core capital (leverage) ratio | 6.2525% | 7,749 |
| Tier 1 risk-based capital ratio | 9.5829% | 7,314 |
| Total risk-based capital ratio | 10.8377% | 7,272 |
| Memoranda: | ||
| Average total assets | $146,530,750 | 4,028 |
| Average earning assets | $133,296,750 | 4,050 |
| Average equity | $10,242,250 | 5,273 |
| Average total loans | $90,297,250 | 4,239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7409% | 3,338 |
| Cost of funding earning assets | 2.4902% | 1,652 |
| Net interest margin | 3.2507% | 5,733 |
| Noninterest income to average assets | 0.3281% | 5,887 |
| Noninterest expense to average assets | 2.9828% | 4,152 |
| Loan and lease loss provision to assets | 0.4822% | 3,115 |
| Net operating income to assets | -0.1376% | 6,079 |
| Return on assets (ROA) | -0.0509% | 5,992 |
| Pretax return on assets | -0.0656% | 5,955 |
| Return on Equity (ROE) | -0.7418% | 6,037 |
| Retained earnings to average equity (ytd only) | -0.7418% | 5,411 |
| Net charge-offs to loans | 1.6791% | 1,130 |
| Credit loss provision to net charge-offs | 46.9361% | 5,804 |
| Earnings coverage of net charge-offs (x) | 0.2973% | 5,375 |
| Efficiency ratio | 90.7128% | 1,752 |
| Assets per employee ($millions) | 3.3661% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 2,475 |
| Loan loss allowance to noncurrent loans | 155.8140% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 1.6933% | 3,639 |
| Noncurrent loans to loans | 1.0678% | 5,078 |
| Net loans and leases to total assets | 60.1867% | 5,648 |
| Net loans and leases to deposits | 69.3003% | 6,064 |
| Net loans and leases to core deposits | 94.4603% | 5,061 |
| Total domestic deposits to total assets | 86.8491% | 2,334 |
| Equity capital to assets | 7.0007% | 7,622 |
| Core capital (leverage) ratio | 6.0550% | 7,910 |
| Tier 1 risk-based capital ratio | 9.5706% | 7,333 |
| Total risk-based capital ratio | 10.8241% | 7,285 |
| Memoranda: | ||
| Average total assets | $149,324,670 | 4,006 |
| Average earning assets | $135,972,330 | 4,027 |
| Average equity | $10,245,000 | 5,294 |
| Average total loans | $91,361,000 | 4,248 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6707% | 3,941 |
| Cost of funding earning assets | 2.5899% | 1,594 |
| Net interest margin | 3.0808% | 6,254 |
| Noninterest income to average assets | 0.4432% | 4,850 |
| Noninterest expense to average assets | 2.7596% | 4,738 |
| Loan and lease loss provision to assets | 0.3008% | 3,543 |
| Net operating income to assets | 0.1700% | 5,755 |
| Return on assets (ROA) | 0.2902% | 5,504 |
| Pretax return on assets | 0.3377% | 5,564 |
| Return on Equity (ROE) | 4.2714% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.2714% | 3,530 |
| Net charge-offs to loans | 1.3197% | 1,062 |
| Credit loss provision to net charge-offs | 37.2549% | 4,850 |
| Earnings coverage of net charge-offs (x) | 0.6176% | 4,498 |
| Efficiency ratio | 84.6964% | 2,223 |
| Assets per employee ($millions) | 3.5942% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8628% | 1,711 |
| Loan loss allowance to noncurrent loans | 74.1765% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.9955% | 2,911 |
| Noncurrent loans to loans | 2.5114% | 2,623 |
| Net loans and leases to total assets | 57.5730% | 6,011 |
| Net loans and leases to deposits | 66.7700% | 6,307 |
| Net loans and leases to core deposits | 90.5648% | 5,507 |
| Total domestic deposits to total assets | 86.2258% | 2,601 |
| Equity capital to assets | 6.7512% | 7,782 |
| Core capital (leverage) ratio | 6.0978% | 7,985 |
| Tier 1 risk-based capital ratio | 9.4420% | 7,476 |
| Total risk-based capital ratio | 10.6919% | 7,430 |
| Memoranda: | ||
| Average total assets | $151,615,500 | 3,981 |
| Average earning assets | $138,536,000 | 3,986 |
| Average equity | $10,301,000 | 5,300 |
| Average total loans | $92,746,500 | 4,239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2605% | 4,180 |
| Cost of funding earning assets | 3.2018% | 1,183 |
| Net interest margin | 3.0586% | 6,766 |
| Noninterest income to average assets | 0.5398% | 4,323 |
| Noninterest expense to average assets | 2.6988% | 5,272 |
| Loan and lease loss provision to assets | 1.0726% | 1,354 |
| Net operating income to assets | -0.2658% | 6,700 |
| Return on assets (ROA) | -0.2369% | 6,511 |
| Pretax return on assets | -0.3946% | 6,542 |
| Return on Equity (ROE) | -3.6329% | 6,700 |
| Retained earnings to average equity (ytd only) | -3.6329% | 6,250 |
| Net charge-offs to loans | 3.5112% | 223 |
| Credit loss provision to net charge-offs | 47.3772% | 6,380 |
| Earnings coverage of net charge-offs (x) | 0.2795% | 6,062 |
| Efficiency ratio | 81.0072% | 2,445 |
| Assets per employee ($millions) | 3.3791% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 1,254 |
| Loan loss allowance to noncurrent loans | 69.7442% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.0278% | 2,431 |
| Noncurrent loans to loans | 2.8442% | 1,905 |
| Net loans and leases to total assets | 62.5124% | 5,535 |
| Net loans and leases to deposits | 74.4953% | 5,789 |
| Net loans and leases to core deposits | 102.4888% | 4,553 |
| Total domestic deposits to total assets | 83.9146% | 3,363 |
| Equity capital to assets | 6.8388% | 7,810 |
| Core capital (leverage) ratio | 5.9695% | 8,087 |
| Tier 1 risk-based capital ratio | 9.3147% | 7,507 |
| Total risk-based capital ratio | 10.5508% | 7,443 |
| Memoranda: | ||
| Average total assets | $159,145,400 | 3,732 |
| Average earning assets | $145,261,000 | 3,735 |
| Average equity | $10,377,400 | 5,299 |
| Average total loans | $102,615,600 | 3,881 |