Home > The Kansas State Bank > Performance and Condition Ratios
The Kansas State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 4,385 |
| Cost of funding earning assets | 1.0347% | 3,217 |
| Net interest margin | 2.4931% | 4,097 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0018% | 3,629 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7969% | 2,881 |
| Return on assets (ROA) | 0.7969% | 2,863 |
| Pretax return on assets | 0.8269% | 3,149 |
| Return on Equity (ROE) | 14.4900% | 1,386 |
| Retained earnings to average equity (ytd only) | 3.5211% | 3,112 |
| Net charge-offs to loans | -0.0026% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.3146% | 1,834 |
| Assets per employee ($millions) | 6.1679% | 2,677 |
| Cash dividends to net income (ytd only)* | 75.7066% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,402 |
| Loan loss allowance to noncurrent loans | 3,974.0741% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,666 |
| Noncurrent loans to loans | 0.0351% | 3,483 |
| Net loans and leases to total assets | 39.6200% | 4,050 |
| Net loans and leases to deposits | 42.8328% | 4,132 |
| Net loans and leases to core deposits | 44.8780% | 4,183 |
| Total domestic deposits to total assets | 92.5100% | 227 |
| Equity capital to assets | 5.9967% | 4,235 |
| Core capital (leverage) ratio | 9.1238% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $186,478,800 | 3,080 |
| Average earning assets | $179,657,400 | 3,009 |
| Average equity | $10,252,400 | 3,693 |
| Average total loans | $75,825,200 | 3,470 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 4,373 |
| Cost of funding earning assets | 0.9158% | 3,234 |
| Net interest margin | 2.6055% | 4,027 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.0047% | 3,588 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8930% | 2,707 |
| Return on assets (ROA) | 0.8930% | 2,694 |
| Pretax return on assets | 0.9253% | 3,045 |
| Return on Equity (ROE) | 16.6300% | 1,145 |
| Retained earnings to average equity (ytd only) | 9.5954% | 1,519 |
| Net charge-offs to loans | -0.0018% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.9678% | 2,020 |
| Assets per employee ($millions) | 5.6782% | 3,040 |
| Cash dividends to net income (ytd only)* | 42.3046% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 1,392 |
| Loan loss allowance to noncurrent loans | 3,435.4839% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,654 |
| Noncurrent loans to loans | 0.0412% | 3,468 |
| Net loans and leases to total assets | 42.1500% | 3,986 |
| Net loans and leases to deposits | 46.5277% | 4,039 |
| Net loans and leases to core deposits | 49.6564% | 4,051 |
| Total domestic deposits to total assets | 90.6000% | 774 |
| Equity capital to assets | 5.7463% | 4,072 |
| Core capital (leverage) ratio | 8.9243% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4997% | 589 |
| Memoranda: | ||
| Average total assets | $185,297,500 | 3,092 |
| Average earning assets | $178,643,750 | 3,031 |
| Average equity | $9,949,000 | 3,727 |
| Average total loans | $75,572,500 | 3,479 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 4,440 |
| Cost of funding earning assets | 0.6785% | 3,545 |
| Net interest margin | 2.6709% | 4,008 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.9608% | 3,687 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9926% | 2,441 |
| Return on assets (ROA) | 0.9926% | 2,430 |
| Pretax return on assets | 1.0255% | 2,840 |
| Return on Equity (ROE) | 18.9000% | 843 |
| Retained earnings to average equity (ytd only) | 8.2881% | 1,877 |
| Net charge-offs to loans | -0.0026% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.2420% | 2,342 |
| Assets per employee ($millions) | 5.8448% | 2,845 |
| Cash dividends to net income (ytd only)* | 56.1497% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,663 |
| Loan loss allowance to noncurrent loans | 179.8978% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 1,664 |
| Noncurrent loans to loans | 0.7577% | 1,000 |
| Net loans and leases to total assets | 40.8600% | 4,010 |
| Net loans and leases to deposits | 43.9137% | 4,100 |
| Net loans and leases to core deposits | 46.1911% | 4,125 |
| Total domestic deposits to total assets | 93.0400% | 248 |
| Equity capital to assets | 5.3755% | 4,311 |
| Core capital (leverage) ratio | 8.4354% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1188% | 626 |
| Memoranda: | ||
| Average total assets | $188,388,333 | 3,077 |
| Average earning assets | $181,586,000 | 3,020 |
| Average equity | $9,893,667 | 3,757 |
| Average total loans | $75,675,000 | 3,479 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 4,470 |
| Cost of funding earning assets | 0.3445% | 4,093 |
| Net interest margin | 2.8962% | 3,799 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.9549% | 3,730 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1805% | 1,992 |
| Return on assets (ROA) | 1.1805% | 1,952 |
| Pretax return on assets | 1.2334% | 2,343 |
| Return on Equity (ROE) | 22.7400% | 528 |
| Retained earnings to average equity (ytd only) | 22.7442% | 257 |
| Net charge-offs to loans | -0.0053% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.9499% | 2,833 |
| Assets per employee ($millions) | 5.6445% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,609 |
| Loan loss allowance to noncurrent loans | 159.1185% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 1,453 |
| Noncurrent loans to loans | 0.8813% | 856 |
| Net loans and leases to total assets | 39.5200% | 4,058 |
| Net loans and leases to deposits | 42.4841% | 4,146 |
| Net loans and leases to core deposits | 43.5980% | 4,185 |
| Total domestic deposits to total assets | 93.0200% | 304 |
| Equity capital to assets | 5.6724% | 4,304 |
| Core capital (leverage) ratio | 8.5941% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3299% | 627 |
| Memoranda: | ||
| Average total assets | $189,066,000 | 3,114 |
| Average earning assets | $182,309,500 | 3,048 |
| Average equity | $9,813,500 | 3,808 |
| Average total loans | $74,774,500 | 3,528 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7260% | 4,387 |
| Cost of funding earning assets | 0.1061% | 4,364 |
| Net interest margin | 2.6199% | 4,149 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.8954% | 3,835 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8997% | 2,964 |
| Return on assets (ROA) | 0.8997% | 2,899 |
| Pretax return on assets | 0.9365% | 3,253 |
| Return on Equity (ROE) | 16.0800% | 1,040 |
| Retained earnings to average equity (ytd only) | 5.3628% | 2,890 |
| Net charge-offs to loans | 0.0014% | 2,511 |
| Credit loss provision to net charge-offs | 2,200.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 1,779.0000% | 94 |
| Efficiency ratio | 66.6542% | 2,125 |
| Assets per employee ($millions) | 6.1891% | 2,603 |
| Cash dividends to net income (ytd only)* | 66.6469% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 1,550 |
| Loan loss allowance to noncurrent loans | 4,713.6364% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,774 |
| Noncurrent loans to loans | 0.0294% | 3,581 |
| Net loans and leases to total assets | 38.4900% | 4,126 |
| Net loans and leases to deposits | 41.2107% | 4,211 |
| Net loans and leases to core deposits | 42.1580% | 4,225 |
| Total domestic deposits to total assets | 93.4000% | 328 |
| Equity capital to assets | 4.7226% | 4,430 |
| Core capital (leverage) ratio | 8.8906% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6361% | 658 |
| Memoranda: | ||
| Average total assets | $187,612,200 | 3,125 |
| Average earning assets | $174,394,200 | 3,108 |
| Average equity | $10,498,200 | 3,812 |
| Average total loans | $71,828,000 | 3,546 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6707% | 4,312 |
| Cost of funding earning assets | 0.0769% | 4,441 |
| Net interest margin | 2.5938% | 4,110 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 1.9126% | 3,725 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8305% | 3,128 |
| Return on assets (ROA) | 0.8305% | 3,099 |
| Pretax return on assets | 0.8698% | 3,422 |
| Return on Equity (ROE) | 14.2700% | 1,357 |
| Retained earnings to average equity (ytd only) | 4.1384% | 3,398 |
| Net charge-offs to loans | -0.0019% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.3350% | 1,972 |
| Assets per employee ($millions) | 5.3786% | 3,347 |
| Cash dividends to net income (ytd only)* | 70.9983% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,548 |
| Loan loss allowance to noncurrent loans | 4,521.7391% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,834 |
| Noncurrent loans to loans | 0.0314% | 3,673 |
| Net loans and leases to total assets | 41.9600% | 3,989 |
| Net loans and leases to deposits | 44.9191% | 4,071 |
| Net loans and leases to core deposits | 46.2553% | 4,095 |
| Total domestic deposits to total assets | 93.4000% | 475 |
| Equity capital to assets | 4.5516% | 4,388 |
| Core capital (leverage) ratio | 8.2486% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4062% | 693 |
| Memoranda: | ||
| Average total assets | $186,549,500 | 3,157 |
| Average earning assets | $171,684,750 | 3,160 |
| Average equity | $10,857,500 | 3,826 |
| Average total loans | $71,062,750 | 3,573 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5091% | 4,364 |
| Cost of funding earning assets | 0.0719% | 4,447 |
| Net interest margin | 2.4372% | 4,180 |
| Noninterest income to average assets | 0.3940% | 2,791 |
| Noninterest expense to average assets | 1.8520% | 3,835 |
| Loan and lease loss provision to assets | 0.0240% | 2,166 |
| Net operating income to assets | 0.7170% | 3,251 |
| Return on assets (ROA) | 0.7170% | 3,203 |
| Pretax return on assets | 0.7504% | 3,449 |
| Return on Equity (ROE) | 11.5631% | 1,810 |
| Retained earnings to average equity (ytd only) | 2.7138% | 3,544 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5133% | 1,887 |
| Assets per employee ($millions) | 5.7145% | 3,010 |
| Cash dividends to net income (ytd only)* | 76.5306% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 1,536 |
| Loan loss allowance to noncurrent loans | 4,517.3913% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,904 |
| Noncurrent loans to loans | 0.0322% | 3,707 |
| Net loans and leases to total assets | 37.2850% | 4,199 |
| Net loans and leases to deposits | 39.8576% | 4,271 |
| Net loans and leases to core deposits | 41.2419% | 4,288 |
| Total domestic deposits to total assets | 93.5454% | 380 |
| Equity capital to assets | 5.2222% | 4,431 |
| Core capital (leverage) ratio | 7.9175% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1902% | 690 |
| Memoranda: | ||
| Average total assets | $191,361,333 | 3,151 |
| Average earning assets | $175,281,333 | 3,168 |
| Average equity | $11,865,333 | 3,793 |
| Average total loans | $70,333,000 | 3,616 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3542% | 4,414 |
| Cost of funding earning assets | 0.0693% | 4,457 |
| Net interest margin | 2.2849% | 4,257 |
| Noninterest income to average assets | 0.3798% | 2,814 |
| Noninterest expense to average assets | 1.8096% | 3,919 |
| Loan and lease loss provision to assets | 0.0477% | 1,514 |
| Net operating income to assets | 0.6143% | 3,352 |
| Return on assets (ROA) | 0.6143% | 3,334 |
| Pretax return on assets | 0.6433% | 3,525 |
| Return on Equity (ROE) | 9.1968% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.1968% | 1,215 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3651% | 1,929 |
| Assets per employee ($millions) | 6.0877% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 1,672 |
| Loan loss allowance to noncurrent loans | 4,329.1667% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,936 |
| Noncurrent loans to loans | 0.0338% | 3,740 |
| Net loans and leases to total assets | 37.0599% | 4,154 |
| Net loans and leases to deposits | 39.8890% | 4,251 |
| Net loans and leases to core deposits | 41.4719% | 4,261 |
| Total domestic deposits to total assets | 92.9074% | 295 |
| Equity capital to assets | 5.9787% | 4,591 |
| Core capital (leverage) ratio | 7.8227% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8584% | 659 |
| Memoranda: | ||
| Average total assets | $192,752,000 | 3,149 |
| Average earning assets | $178,913,500 | 3,152 |
| Average equity | $12,874,000 | 3,771 |
| Average total loans | $69,824,000 | 3,625 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9706% | 3,921 |
| Cost of funding earning assets | 0.0868% | 4,488 |
| Net interest margin | 2.8839% | 3,485 |
| Noninterest income to average assets | 0.4003% | 3,045 |
| Noninterest expense to average assets | 1.9178% | 3,887 |
| Loan and lease loss provision to assets | 0.0502% | 2,056 |
| Net operating income to assets | 1.0336% | 2,545 |
| Return on assets (ROA) | 1.0336% | 2,616 |
| Pretax return on assets | 1.0821% | 3,027 |
| Return on Equity (ROE) | 12.4091% | 1,686 |
| Retained earnings to average equity (ytd only) | 4.8793% | 2,831 |
| Net charge-offs to loans | 0.0070% | 2,313 |
| Credit loss provision to net charge-offs | 1,800.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 406.2000% | 323 |
| Efficiency ratio | 62.8770% | 2,735 |
| Assets per employee ($millions) | 6.3479% | 2,451 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,637 |
| Loan loss allowance to noncurrent loans | 2,032.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,874 |
| Noncurrent loans to loans | 0.0728% | 3,570 |
| Net loans and leases to total assets | 34.3797% | 4,360 |
| Net loans and leases to deposits | 37.8865% | 4,411 |
| Net loans and leases to core deposits | 39.5670% | 4,402 |
| Total domestic deposits to total assets | 90.7437% | 606 |
| Equity capital to assets | 7.3507% | 4,642 |
| Core capital (leverage) ratio | 8.3166% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4757% | 701 |
| Memoranda: | ||
| Average total assets | $179,373,800 | 3,212 |
| Average earning assets | $164,814,200 | 3,231 |
| Average equity | $14,940,600 | 3,641 |
| Average total loans | $70,993,600 | 3,627 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1642% | 3,674 |
| Cost of funding earning assets | 0.0927% | 4,559 |
| Net interest margin | 3.0715% | 3,124 |
| Noninterest income to average assets | 0.4129% | 3,015 |
| Noninterest expense to average assets | 1.9708% | 3,759 |
| Loan and lease loss provision to assets | 0.0520% | 1,952 |
| Net operating income to assets | 1.1396% | 2,405 |
| Return on assets (ROA) | 1.1396% | 2,467 |
| Pretax return on assets | 1.1930% | 2,956 |
| Return on Equity (ROE) | 13.2449% | 1,630 |
| Retained earnings to average equity (ytd only) | 8.5968% | 1,838 |
| Net charge-offs to loans | 0.0093% | 1,972 |
| Credit loss provision to net charge-offs | 1,360.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 326.8000% | 412 |
| Efficiency ratio | 61.2888% | 2,790 |
| Assets per employee ($millions) | 5.5403% | 3,154 |
| Cash dividends to net income (ytd only)* | 35.0936% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 1,917 |
| Loan loss allowance to noncurrent loans | 1,014.2857% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,740 |
| Noncurrent loans to loans | 0.1406% | 3,405 |
| Net loans and leases to total assets | 40.0169% | 4,207 |
| Net loans and leases to deposits | 44.7350% | 4,285 |
| Net loans and leases to core deposits | 46.6903% | 4,292 |
| Total domestic deposits to total assets | 89.4533% | 1,040 |
| Equity capital to assets | 8.9229% | 3,905 |
| Core capital (leverage) ratio | 8.4556% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,021,000 | 3,286 |
| Average earning assets | $159,699,500 | 3,309 |
| Average equity | $15,059,500 | 3,673 |
| Average total loans | $71,574,500 | 3,673 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1366% | 3,791 |
| Cost of funding earning assets | 0.0969% | 4,601 |
| Net interest margin | 3.0396% | 3,212 |
| Noninterest income to average assets | 0.3907% | 3,153 |
| Noninterest expense to average assets | 1.9703% | 3,785 |
| Loan and lease loss provision to assets | 0.0511% | 2,012 |
| Net operating income to assets | 1.0959% | 2,570 |
| Return on assets (ROA) | 1.0959% | 2,635 |
| Pretax return on assets | 1.1470% | 3,069 |
| Return on Equity (ROE) | 12.8916% | 1,755 |
| Retained earnings to average equity (ytd only) | 5.8780% | 2,848 |
| Net charge-offs to loans | 0.0139% | 1,672 |
| Credit loss provision to net charge-offs | 900.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 480 |
| Efficiency ratio | 62.1864% | 2,703 |
| Assets per employee ($millions) | 5.4838% | 3,142 |
| Cash dividends to net income (ytd only)* | 54.4041% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 2,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.9449% | 4,333 |
| Net loans and leases to deposits | 43.1126% | 4,419 |
| Net loans and leases to core deposits | 44.6767% | 4,440 |
| Total domestic deposits to total assets | 90.3330% | 632 |
| Equity capital to assets | 8.2270% | 4,415 |
| Core capital (leverage) ratio | 8.2013% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,111,333 | 3,278 |
| Average earning assets | $160,940,667 | 3,298 |
| Average equity | $14,971,000 | 3,685 |
| Average total loans | $72,191,667 | 3,686 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0746% | 3,938 |
| Cost of funding earning assets | 0.1078% | 4,605 |
| Net interest margin | 2.9668% | 3,339 |
| Noninterest income to average assets | 0.3915% | 3,134 |
| Noninterest expense to average assets | 1.9990% | 3,715 |
| Loan and lease loss provision to assets | 0.0530% | 2,048 |
| Net operating income to assets | 1.0156% | 2,764 |
| Return on assets (ROA) | 1.0156% | 2,847 |
| Pretax return on assets | 1.0640% | 3,206 |
| Return on Equity (ROE) | 11.7502% | 2,112 |
| Retained earnings to average equity (ytd only) | 11.7502% | 1,215 |
| Net charge-offs to loans | 0.0331% | 1,150 |
| Credit loss provision to net charge-offs | 383.3333% | 670 |
| Earnings coverage of net charge-offs (x) | 80.8333% | 699 |
| Efficiency ratio | 64.1537% | 2,446 |
| Assets per employee ($millions) | 5.3773% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.4937% | 4,269 |
| Net loans and leases to deposits | 46.1881% | 4,345 |
| Net loans and leases to core deposits | 47.9645% | 4,375 |
| Total domestic deposits to total assets | 89.8362% | 897 |
| Equity capital to assets | 8.7295% | 3,930 |
| Core capital (leverage) ratio | 8.5778% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,684,000 | 3,297 |
| Average earning assets | $159,499,500 | 3,309 |
| Average equity | $15,012,500 | 3,682 |
| Average total loans | $72,563,500 | 3,697 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 4,195 |
| Cost of funding earning assets | 0.2663% | 4,314 |
| Net interest margin | 3.1311% | 3,548 |
| Noninterest income to average assets | 0.4664% | 2,786 |
| Noninterest expense to average assets | 2.1740% | 3,746 |
| Loan and lease loss provision to assets | 0.0568% | 3,660 |
| Net operating income to assets | 1.1309% | 1,799 |
| Return on assets (ROA) | 1.1309% | 1,921 |
| Pretax return on assets | 1.1738% | 2,426 |
| Return on Equity (ROE) | 11.9813% | 1,324 |
| Retained earnings to average equity (ytd only) | 4.4596% | 2,561 |
| Net charge-offs to loans | 0.0087% | 3,019 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 325.0000% | 329 |
| Efficiency ratio | 63.8554% | 2,847 |
| Assets per employee ($millions) | 5.8432% | 2,508 |
| Cash dividends to net income (ytd only)* | 62.7790% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,516 |
| Loan loss allowance to noncurrent loans | 3,448.1481% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,330 |
| Noncurrent loans to loans | 0.0371% | 4,159 |
| Net loans and leases to total assets | 40.9872% | 4,399 |
| Net loans and leases to deposits | 45.8812% | 4,469 |
| Net loans and leases to core deposits | 47.9739% | 4,486 |
| Total domestic deposits to total assets | 89.3335% | 837 |
| Equity capital to assets | 8.5592% | 4,408 |
| Core capital (leverage) ratio | 8.9588% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,462,600 | 3,306 |
| Average earning assets | $148,699,600 | 3,283 |
| Average equity | $14,956,600 | 3,658 |
| Average total loans | $68,914,200 | 3,758 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 3,643 |
| Cost of funding earning assets | 0.3189% | 4,223 |
| Net interest margin | 3.4515% | 2,746 |
| Noninterest income to average assets | 0.4693% | 2,744 |
| Noninterest expense to average assets | 2.2378% | 3,586 |
| Loan and lease loss provision to assets | 0.0590% | 3,613 |
| Net operating income to assets | 1.3588% | 1,205 |
| Return on assets (ROA) | 1.3588% | 1,308 |
| Pretax return on assets | 1.4193% | 1,668 |
| Return on Equity (ROE) | 14.0246% | 880 |
| Retained earnings to average equity (ytd only) | 6.6644% | 1,825 |
| Net charge-offs to loans | 0.0137% | 2,626 |
| Credit loss provision to net charge-offs | 971.4286% | 846 |
| Earnings coverage of net charge-offs (x) | 244.2857% | 419 |
| Efficiency ratio | 60.2233% | 3,360 |
| Assets per employee ($millions) | 4.8148% | 3,471 |
| Cash dividends to net income (ytd only)* | 52.4809% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,218 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 46.9953% | 4,268 |
| Net loans and leases to deposits | 53.9088% | 4,340 |
| Net loans and leases to core deposits | 56.6623% | 4,353 |
| Total domestic deposits to total assets | 87.1756% | 1,593 |
| Equity capital to assets | 9.9089% | 3,312 |
| Core capital (leverage) ratio | 8.9187% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,254,250 | 3,331 |
| Average earning assets | $145,094,250 | 3,307 |
| Average equity | $14,944,750 | 3,661 |
| Average total loans | $67,947,750 | 3,790 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9312% | 3,529 |
| Cost of funding earning assets | 0.3872% | 4,095 |
| Net interest margin | 3.5440% | 2,657 |
| Noninterest income to average assets | 0.4588% | 2,773 |
| Noninterest expense to average assets | 2.2357% | 3,692 |
| Loan and lease loss provision to assets | 0.0583% | 3,574 |
| Net operating income to assets | 1.4581% | 1,002 |
| Return on assets (ROA) | 1.4581% | 1,089 |
| Pretax return on assets | 1.5216% | 1,407 |
| Return on Equity (ROE) | 15.1645% | 687 |
| Retained earnings to average equity (ytd only) | 8.0877% | 1,274 |
| Net charge-offs to loans | 0.0181% | 2,358 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 203.1667% | 439 |
| Efficiency ratio | 58.5938% | 3,610 |
| Assets per employee ($millions) | 4.7421% | 3,484 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,315 |
| Loan loss allowance to noncurrent loans | 1,284.0580% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,322 |
| Noncurrent loans to loans | 0.0964% | 4,065 |
| Net loans and leases to total assets | 43.8412% | 4,454 |
| Net loans and leases to deposits | 49.3500% | 4,558 |
| Net loans and leases to core deposits | 52.4377% | 4,547 |
| Total domestic deposits to total assets | 88.8372% | 807 |
| Equity capital to assets | 9.4696% | 3,684 |
| Core capital (leverage) ratio | 8.9388% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,314,667 | 3,308 |
| Average earning assets | $146,162,667 | 3,263 |
| Average equity | $14,837,333 | 3,676 |
| Average total loans | $66,158,667 | 3,832 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,478 |
| Cost of funding earning assets | 0.4687% | 4,075 |
| Net interest margin | 3.1784% | 3,913 |
| Noninterest income to average assets | 0.5436% | 2,311 |
| Noninterest expense to average assets | 2.3280% | 3,706 |
| Loan and lease loss provision to assets | 0.0583% | 3,029 |
| Net operating income to assets | 1.1428% | 1,710 |
| Return on assets (ROA) | 1.1428% | 1,814 |
| Pretax return on assets | 1.1958% | 2,213 |
| Return on Equity (ROE) | 11.7905% | 1,161 |
| Retained earnings to average equity (ytd only) | 11.7905% | 442 |
| Net charge-offs to loans | 0.0378% | 1,662 |
| Credit loss provision to net charge-offs | 366.6667% | 1,056 |
| Earnings coverage of net charge-offs (x) | 78.8333% | 676 |
| Efficiency ratio | 64.9889% | 3,090 |
| Assets per employee ($millions) | 4.2939% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,802 |
| Loan loss allowance to noncurrent loans | 784.5455% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,227 |
| Noncurrent loans to loans | 0.1748% | 3,846 |
| Net loans and leases to total assets | 42.5058% | 4,571 |
| Net loans and leases to deposits | 48.6561% | 4,638 |
| Net loans and leases to core deposits | 52.5373% | 4,619 |
| Total domestic deposits to total assets | 87.3596% | 1,399 |
| Equity capital to assets | 10.3307% | 3,488 |
| Core capital (leverage) ratio | 9.3683% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,856,000 | 3,313 |
| Average earning assets | $144,221,500 | 3,248 |
| Average equity | $14,622,000 | 3,703 |
| Average total loans | $63,452,000 | 3,896 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 4,681 |
| Cost of funding earning assets | 0.5325% | 3,963 |
| Net interest margin | 3.1631% | 4,261 |
| Noninterest income to average assets | 0.9714% | 1,033 |
| Noninterest expense to average assets | 2.2875% | 3,970 |
| Loan and lease loss provision to assets | 0.1315% | 1,623 |
| Net operating income to assets | 1.4993% | 1,055 |
| Return on assets (ROA) | 1.5471% | 1,006 |
| Pretax return on assets | 1.6155% | 1,441 |
| Return on Equity (ROE) | 17.6197% | 370 |
| Retained earnings to average equity (ytd only) | 9.8686% | 515 |
| Net charge-offs to loans | 0.0339% | 2,706 |
| Credit loss provision to net charge-offs | 942.8571% | 366 |
| Earnings coverage of net charge-offs (x) | 121.7143% | 583 |
| Efficiency ratio | 57.4071% | 4,035 |
| Assets per employee ($millions) | 4.5800% | 3,106 |
| Cash dividends to net income (ytd only)* | 43.9914% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 1,819 |
| Loan loss allowance to noncurrent loans | 513.3333% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,095 |
| Noncurrent loans to loans | 0.2579% | 3,524 |
| Net loans and leases to total assets | 40.5465% | 4,714 |
| Net loans and leases to deposits | 45.8230% | 4,792 |
| Net loans and leases to core deposits | 50.5634% | 4,744 |
| Total domestic deposits to total assets | 88.4851% | 895 |
| Equity capital to assets | 9.0945% | 4,641 |
| Core capital (leverage) ratio | 9.6555% | 3,895 |
| Tier 1 risk-based capital ratio | 19.5313% | 1,406 |
| Total risk-based capital ratio | 20.7314% | 1,378 |
| Memoranda: | ||
| Average total assets | $150,600,800 | 3,292 |
| Average earning assets | $143,469,000 | 3,237 |
| Average equity | $13,223,800 | 3,867 |
| Average total loans | $61,940,400 | 3,946 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,735 |
| Cost of funding earning assets | 0.5319% | 4,011 |
| Net interest margin | 3.2127% | 4,268 |
| Noninterest income to average assets | 0.5125% | 2,651 |
| Noninterest expense to average assets | 2.2885% | 3,982 |
| Loan and lease loss provision to assets | 0.0670% | 2,545 |
| Net operating income to assets | 1.1652% | 2,318 |
| Return on assets (ROA) | 1.2295% | 2,172 |
| Pretax return on assets | 1.2822% | 2,720 |
| Return on Equity (ROE) | 14.1344% | 952 |
| Retained earnings to average equity (ytd only) | 6.6925% | 2,016 |
| Net charge-offs to loans | 0.0412% | 2,270 |
| Credit loss provision to net charge-offs | 394.7368% | 768 |
| Earnings coverage of net charge-offs (x) | 75.5871% | 892 |
| Efficiency ratio | 64.0910% | 2,996 |
| Assets per employee ($millions) | 4.5336% | 3,142 |
| Cash dividends to net income (ytd only)* | 52.6507% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,669 |
| Loan loss allowance to noncurrent loans | 370.4082% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,053 |
| Noncurrent loans to loans | 0.3153% | 3,400 |
| Net loans and leases to total assets | 42.3523% | 4,746 |
| Net loans and leases to deposits | 51.2644% | 4,734 |
| Net loans and leases to core deposits | 56.1426% | 4,681 |
| Total domestic deposits to total assets | 82.6153% | 3,276 |
| Equity capital to assets | 9.4123% | 4,520 |
| Core capital (leverage) ratio | 9.0305% | 4,614 |
| Tier 1 risk-based capital ratio | 18.9348% | 1,579 |
| Total risk-based capital ratio | 19.9782% | 1,599 |
| Memoranda: | ||
| Average total assets | $149,321,000 | 3,340 |
| Average earning assets | $142,139,750 | 3,283 |
| Average equity | $12,989,250 | 3,925 |
| Average total loans | $61,429,000 | 4,001 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,849 |
| Cost of funding earning assets | 0.5182% | 4,041 |
| Net interest margin | 3.1635% | 4,430 |
| Noninterest income to average assets | 0.5029% | 2,659 |
| Noninterest expense to average assets | 2.1587% | 4,315 |
| Loan and lease loss provision to assets | 0.0703% | 2,414 |
| Net operating income to assets | 1.2459% | 1,977 |
| Return on assets (ROA) | 1.2459% | 2,032 |
| Pretax return on assets | 1.2950% | 2,577 |
| Return on Equity (ROE) | 14.7094% | 824 |
| Retained earnings to average equity (ytd only) | 6.4853% | 2,061 |
| Net charge-offs to loans | 0.0131% | 2,665 |
| Credit loss provision to net charge-offs | 1,325.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 257.2500% | 314 |
| Efficiency ratio | 61.2575% | 3,548 |
| Assets per employee ($millions) | 4.6324% | 2,959 |
| Cash dividends to net income (ytd only)* | 55.9105% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,786 |
| Loan loss allowance to noncurrent loans | 352.4510% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,087 |
| Noncurrent loans to loans | 0.3265% | 3,361 |
| Net loans and leases to total assets | 40.3969% | 4,832 |
| Net loans and leases to deposits | 47.8750% | 4,848 |
| Net loans and leases to core deposits | 51.5072% | 4,829 |
| Total domestic deposits to total assets | 84.3800% | 2,731 |
| Equity capital to assets | 8.7984% | 4,901 |
| Core capital (leverage) ratio | 8.5982% | 4,912 |
| Tier 1 risk-based capital ratio | 17.7547% | 1,868 |
| Total risk-based capital ratio | 18.7413% | 1,905 |
| Memoranda: | ||
| Average total assets | $150,736,000 | 3,342 |
| Average earning assets | $143,954,330 | 3,284 |
| Average equity | $12,767,330 | 3,961 |
| Average total loans | $61,182,330 | 4,022 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 4,895 |
| Cost of funding earning assets | 0.5036% | 4,042 |
| Net interest margin | 3.1595% | 4,480 |
| Noninterest income to average assets | 0.4784% | 2,690 |
| Noninterest expense to average assets | 2.1648% | 4,344 |
| Loan and lease loss provision to assets | 0.0775% | 2,130 |
| Net operating income to assets | 1.2000% | 2,054 |
| Return on assets (ROA) | 1.2000% | 2,105 |
| Pretax return on assets | 1.2374% | 2,673 |
| Return on Equity (ROE) | 14.4536% | 866 |
| Retained earnings to average equity (ytd only) | 14.4536% | 319 |
| Net charge-offs to loans | 0.0066% | 2,462 |
| Credit loss provision to net charge-offs | 2,900.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 492.0000% | 158 |
| Efficiency ratio | 62.2120% | 3,502 |
| Assets per employee ($millions) | 4.4076% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,885 |
| Loan loss allowance to noncurrent loans | 553.1250% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,376 |
| Noncurrent loans to loans | 0.2069% | 3,843 |
| Net loans and leases to total assets | 42.0371% | 4,823 |
| Net loans and leases to deposits | 48.9465% | 4,853 |
| Net loans and leases to core deposits | 51.9248% | 4,837 |
| Total domestic deposits to total assets | 85.8838% | 2,330 |
| Equity capital to assets | 8.8793% | 4,764 |
| Core capital (leverage) ratio | 8.7141% | 4,856 |
| Tier 1 risk-based capital ratio | 18.2680% | 1,723 |
| Total risk-based capital ratio | 19.2649% | 1,749 |
| Memoranda: | ||
| Average total assets | $149,670,000 | 3,391 |
| Average earning assets | $142,172,500 | 3,342 |
| Average equity | $12,426,000 | 4,015 |
| Average total loans | $60,537,000 | 4,078 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 5,116 |
| Cost of funding earning assets | 0.3301% | 4,407 |
| Net interest margin | 2.9178% | 4,896 |
| Noninterest income to average assets | 0.5711% | 2,443 |
| Noninterest expense to average assets | 2.2306% | 4,273 |
| Loan and lease loss provision to assets | 0.0774% | 2,580 |
| Net operating income to assets | 0.9992% | 3,014 |
| Return on assets (ROA) | 0.9992% | 3,004 |
| Pretax return on assets | 1.0425% | 3,469 |
| Return on Equity (ROE) | 12.5442% | 1,527 |
| Retained earnings to average equity (ytd only) | 5.3223% | 2,585 |
| Net charge-offs to loans | 0.1968% | 977 |
| Credit loss provision to net charge-offs | 101.8349% | 2,475 |
| Earnings coverage of net charge-offs (x) | 14.7339% | 2,362 |
| Efficiency ratio | 66.5765% | 2,773 |
| Assets per employee ($millions) | 4.8091% | 2,729 |
| Cash dividends to net income (ytd only)* | 57.5715% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 2,829 |
| Loan loss allowance to noncurrent loans | 532.0313% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,401 |
| Noncurrent loans to loans | 0.2161% | 3,806 |
| Net loans and leases to total assets | 38.0415% | 5,014 |
| Net loans and leases to deposits | 44.1933% | 5,022 |
| Net loans and leases to core deposits | 46.2816% | 5,026 |
| Total domestic deposits to total assets | 86.0797% | 2,188 |
| Equity capital to assets | 7.7568% | 5,230 |
| Core capital (leverage) ratio | 8.7634% | 4,838 |
| Tier 1 risk-based capital ratio | 17.8196% | 1,807 |
| Total risk-based capital ratio | 18.7886% | 1,846 |
| Memoranda: | ||
| Average total assets | $143,411,200 | 3,461 |
| Average earning assets | $136,609,400 | 3,404 |
| Average equity | $11,423,600 | 4,095 |
| Average total loans | $55,381,200 | 4,200 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 5,189 |
| Cost of funding earning assets | 0.2908% | 4,585 |
| Net interest margin | 2.9278% | 4,937 |
| Noninterest income to average assets | 0.5767% | 2,438 |
| Noninterest expense to average assets | 2.2719% | 4,165 |
| Loan and lease loss provision to assets | 0.0786% | 2,381 |
| Net operating income to assets | 0.9830% | 3,169 |
| Return on assets (ROA) | 0.9830% | 3,176 |
| Pretax return on assets | 1.0294% | 3,635 |
| Return on Equity (ROE) | 12.2527% | 1,699 |
| Retained earnings to average equity (ytd only) | 4.8751% | 3,305 |
| Net charge-offs to loans | 0.2548% | 662 |
| Credit loss provision to net charge-offs | 79.8077% | 2,532 |
| Earnings coverage of net charge-offs (x) | 11.2503% | 2,528 |
| Efficiency ratio | 67.2177% | 2,677 |
| Assets per employee ($millions) | 4.5464% | 3,047 |
| Cash dividends to net income (ytd only)* | 60.2116% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,804 |
| Loan loss allowance to noncurrent loans | 571.3043% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,575 |
| Noncurrent loans to loans | 0.2044% | 3,985 |
| Net loans and leases to total assets | 38.2115% | 5,075 |
| Net loans and leases to deposits | 45.0418% | 5,082 |
| Net loans and leases to core deposits | 47.7402% | 5,073 |
| Total domestic deposits to total assets | 84.8356% | 2,673 |
| Equity capital to assets | 7.8537% | 5,223 |
| Core capital (leverage) ratio | 8.7137% | 4,947 |
| Tier 1 risk-based capital ratio | 19.1155% | 1,510 |
| Total risk-based capital ratio | 20.1286% | 1,536 |
| Memoranda: | ||
| Average total assets | $140,791,500 | 3,533 |
| Average earning assets | $134,798,500 | 3,466 |
| Average equity | $11,295,250 | 4,158 |
| Average total loans | $54,420,750 | 4,265 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1429% | 5,269 |
| Cost of funding earning assets | 0.2461% | 4,767 |
| Net interest margin | 2.8968% | 5,016 |
| Noninterest income to average assets | 0.5818% | 2,423 |
| Noninterest expense to average assets | 2.2869% | 4,176 |
| Loan and lease loss provision to assets | 0.0776% | 2,354 |
| Net operating income to assets | 0.9610% | 3,190 |
| Return on assets (ROA) | 0.9610% | 3,194 |
| Pretax return on assets | 1.0070% | 3,639 |
| Return on Equity (ROE) | 11.8916% | 1,763 |
| Retained earnings to average equity (ytd only) | 2.5596% | 4,237 |
| Net charge-offs to loans | 0.3494% | 454 |
| Credit loss provision to net charge-offs | 57.4468% | 2,447 |
| Earnings coverage of net charge-offs (x) | 8.0319% | 2,505 |
| Efficiency ratio | 67.8313% | 2,677 |
| Assets per employee ($millions) | 4.4836% | 3,148 |
| Cash dividends to net income (ytd only)* | 78.4753% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,904 |
| Loan loss allowance to noncurrent loans | 580.0000% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,628 |
| Noncurrent loans to loans | 0.2009% | 4,004 |
| Net loans and leases to total assets | 37.7260% | 5,133 |
| Net loans and leases to deposits | 44.4571% | 5,134 |
| Net loans and leases to core deposits | 47.6797% | 5,109 |
| Total domestic deposits to total assets | 84.8593% | 2,722 |
| Equity capital to assets | 7.8474% | 5,279 |
| Core capital (leverage) ratio | 8.5968% | 5,043 |
| Tier 1 risk-based capital ratio | 18.8595% | 1,588 |
| Total risk-based capital ratio | 19.8516% | 1,614 |
| Memoranda: | ||
| Average total assets | $139,227,000 | 3,579 |
| Average earning assets | $134,078,330 | 3,499 |
| Average equity | $11,251,670 | 4,193 |
| Average total loans | $53,811,330 | 4,308 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1204% | 5,300 |
| Cost of funding earning assets | 0.2330% | 4,813 |
| Net interest margin | 2.8874% | 5,050 |
| Noninterest income to average assets | 0.5835% | 2,345 |
| Noninterest expense to average assets | 2.2581% | 4,272 |
| Loan and lease loss provision to assets | 0.0788% | 2,201 |
| Net operating income to assets | 0.9832% | 2,922 |
| Return on assets (ROA) | 0.9832% | 2,955 |
| Pretax return on assets | 1.0299% | 3,428 |
| Return on Equity (ROE) | 11.9844% | 1,585 |
| Retained earnings to average equity (ytd only) | -6.6856% | 5,276 |
| Net charge-offs to loans | 0.6975% | 214 |
| Credit loss provision to net charge-offs | 29.0323% | 2,075 |
| Earnings coverage of net charge-offs (x) | 4.0860% | 2,329 |
| Efficiency ratio | 67.0711% | 2,992 |
| Assets per employee ($millions) | 4.2011% | 3,649 |
| Cash dividends to net income (ytd only)* | 155.7864% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,167 |
| Loan loss allowance to noncurrent loans | 556.3636% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 4,679 |
| Noncurrent loans to loans | 0.2042% | 4,056 |
| Net loans and leases to total assets | 39.6196% | 5,085 |
| Net loans and leases to deposits | 44.9891% | 5,129 |
| Net loans and leases to core deposits | 48.5728% | 5,084 |
| Total domestic deposits to total assets | 88.0650% | 1,584 |
| Equity capital to assets | 8.1697% | 5,193 |
| Core capital (leverage) ratio | 8.6062% | 5,059 |
| Tier 1 risk-based capital ratio | 18.8907% | 1,573 |
| Total risk-based capital ratio | 19.8709% | 1,623 |
| Memoranda: | ||
| Average total assets | $137,103,500 | 3,643 |
| Average earning assets | $132,161,000 | 3,562 |
| Average equity | $11,248,000 | 4,238 |
| Average total loans | $53,334,500 | 4,367 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0152% | 5,346 |
| Cost of funding earning assets | 0.1967% | 4,973 |
| Net interest margin | 2.8185% | 5,146 |
| Noninterest income to average assets | 0.6237% | 2,336 |
| Noninterest expense to average assets | 2.2052% | 4,521 |
| Loan and lease loss provision to assets | 0.0808% | 2,588 |
| Net operating income to assets | 0.9935% | 2,278 |
| Return on assets (ROA) | 0.9935% | 2,310 |
| Pretax return on assets | 1.0362% | 3,429 |
| Return on Equity (ROE) | 11.3072% | 1,392 |
| Retained earnings to average equity (ytd only) | 4.7988% | 2,261 |
| Net charge-offs to loans | 0.0161% | 3,556 |
| Credit loss provision to net charge-offs | 1,325.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 183.1250% | 423 |
| Efficiency ratio | 66.3759% | 3,193 |
| Assets per employee ($millions) | 4.5087% | 3,168 |
| Cash dividends to net income (ytd only)* | 57.5595% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,296 |
| Loan loss allowance to noncurrent loans | 158.4112% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,659 |
| Noncurrent loans to loans | 0.8107% | 2,184 |
| Net loans and leases to total assets | 37.2867% | 5,251 |
| Net loans and leases to deposits | 41.2970% | 5,316 |
| Net loans and leases to core deposits | 43.9942% | 5,294 |
| Total domestic deposits to total assets | 90.2891% | 473 |
| Equity capital to assets | 8.2370% | 5,283 |
| Core capital (leverage) ratio | 9.1365% | 4,480 |
| Tier 1 risk-based capital ratio | 19.0733% | 1,495 |
| Total risk-based capital ratio | 20.1525% | 1,490 |
| Memoranda: | ||
| Average total assets | $131,146,400 | 3,732 |
| Average earning assets | $125,562,200 | 3,654 |
| Average equity | $11,523,600 | 4,222 |
| Average total loans | $49,793,800 | 4,461 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0127% | 5,401 |
| Cost of funding earning assets | 0.1926% | 5,036 |
| Net interest margin | 2.8201% | 5,194 |
| Noninterest income to average assets | 0.6378% | 2,263 |
| Noninterest expense to average assets | 2.1986% | 4,525 |
| Loan and lease loss provision to assets | 0.0817% | 2,460 |
| Net operating income to assets | 1.0037% | 2,536 |
| Return on assets (ROA) | 1.0037% | 2,581 |
| Pretax return on assets | 1.0523% | 3,481 |
| Return on Equity (ROE) | 11.2320% | 1,594 |
| Retained earnings to average equity (ytd only) | 3.7132% | 3,712 |
| Net charge-offs to loans | 0.0027% | 3,656 |
| Credit loss provision to net charge-offs | 7,900.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,099.7218% | 94 |
| Efficiency ratio | 65.9739% | 3,216 |
| Assets per employee ($millions) | 4.3544% | 3,384 |
| Cash dividends to net income (ytd only)* | 66.9419% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,606 |
| Loan loss allowance to noncurrent loans | 323.6453% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,493 |
| Noncurrent loans to loans | 0.3883% | 3,563 |
| Net loans and leases to total assets | 39.5186% | 5,214 |
| Net loans and leases to deposits | 45.2648% | 5,281 |
| Net loans and leases to core deposits | 49.5242% | 5,213 |
| Total domestic deposits to total assets | 87.3056% | 1,726 |
| Equity capital to assets | 9.0047% | 4,908 |
| Core capital (leverage) ratio | 8.8814% | 4,886 |
| Tier 1 risk-based capital ratio | 18.5566% | 1,709 |
| Total risk-based capital ratio | 19.5946% | 1,729 |
| Memoranda: | ||
| Average total assets | $128,990,250 | 3,802 |
| Average earning assets | $123,254,500 | 3,723 |
| Average equity | $11,526,250 | 4,266 |
| Average total loans | $49,043,750 | 4,526 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9535% | 5,469 |
| Cost of funding earning assets | 0.1859% | 5,099 |
| Net interest margin | 2.7676% | 5,293 |
| Noninterest income to average assets | 0.6306% | 2,313 |
| Noninterest expense to average assets | 2.1722% | 4,623 |
| Loan and lease loss provision to assets | 0.0810% | 2,365 |
| Net operating income to assets | 0.9716% | 2,563 |
| Return on assets (ROA) | 0.9716% | 2,609 |
| Pretax return on assets | 1.0199% | 3,478 |
| Return on Equity (ROE) | 10.9021% | 1,680 |
| Retained earnings to average equity (ytd only) | 2.1664% | 4,381 |
| Net charge-offs to loans | -0.0042% | 4,296 |
| Credit loss provision to net charge-offs | -5,200.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3654% | 3,291 |
| Assets per employee ($millions) | 4.2868% | 3,453 |
| Cash dividends to net income (ytd only)* | 80.1282% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,456 |
| Loan loss allowance to noncurrent loans | 248.2353% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 4,379 |
| Noncurrent loans to loans | 0.5201% | 3,194 |
| Net loans and leases to total assets | 37.6302% | 5,315 |
| Net loans and leases to deposits | 41.9613% | 5,401 |
| Net loans and leases to core deposits | 45.2225% | 5,363 |
| Total domestic deposits to total assets | 89.6784% | 655 |
| Equity capital to assets | 9.0783% | 4,826 |
| Core capital (leverage) ratio | 9.0509% | 4,666 |
| Tier 1 risk-based capital ratio | 18.9513% | 1,600 |
| Total risk-based capital ratio | 19.9824% | 1,622 |
| Memoranda: | ||
| Average total assets | $128,443,000 | 3,838 |
| Average earning assets | $122,634,330 | 3,757 |
| Average equity | $11,447,330 | 4,284 |
| Average total loans | $47,964,670 | 4,582 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9776% | 5,480 |
| Cost of funding earning assets | 0.1667% | 5,256 |
| Net interest margin | 2.8109% | 5,222 |
| Noninterest income to average assets | 0.6295% | 2,274 |
| Noninterest expense to average assets | 2.1315% | 4,790 |
| Loan and lease loss provision to assets | 0.0810% | 2,196 |
| Net operating income to assets | 1.0439% | 2,100 |
| Return on assets (ROA) | 1.0439% | 2,151 |
| Pretax return on assets | 1.0969% | 3,002 |
| Return on Equity (ROE) | 11.8234% | 1,296 |
| Retained earnings to average equity (ytd only) | -5.8234% | 5,434 |
| Net charge-offs to loans | -0.0084% | 4,356 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4068% | 3,770 |
| Assets per employee ($millions) | 4.3639% | 3,391 |
| Cash dividends to net income (ytd only)* | 149.2537% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,683 |
| Loan loss allowance to noncurrent loans | 6,070.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,338 |
| Noncurrent loans to loans | 0.0209% | 5,139 |
| Net loans and leases to total assets | 37.2647% | 5,358 |
| Net loans and leases to deposits | 42.7240% | 5,396 |
| Net loans and leases to core deposits | 45.9887% | 5,366 |
| Total domestic deposits to total assets | 87.2221% | 2,101 |
| Equity capital to assets | 8.9108% | 4,899 |
| Core capital (leverage) ratio | 8.9239% | 4,821 |
| Tier 1 risk-based capital ratio | 18.7130% | 1,689 |
| Total risk-based capital ratio | 19.7143% | 1,708 |
| Memoranda: | ||
| Average total assets | $128,362,500 | 3,871 |
| Average earning assets | $122,379,500 | 3,804 |
| Average equity | $11,333,500 | 4,330 |
| Average total loans | $47,433,500 | 4,637 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9521% | 5,536 |
| Cost of funding earning assets | 0.1512% | 5,417 |
| Net interest margin | 2.8009% | 5,287 |
| Noninterest income to average assets | 0.6469% | 2,430 |
| Noninterest expense to average assets | 2.2279% | 4,706 |
| Loan and lease loss provision to assets | 0.0594% | 3,199 |
| Net operating income to assets | 1.0401% | 2,188 |
| Return on assets (ROA) | 1.0401% | 2,283 |
| Pretax return on assets | 1.0353% | 3,343 |
| Return on Equity (ROE) | 11.2284% | 1,495 |
| Retained earnings to average equity (ytd only) | 5.1637% | 2,226 |
| Net charge-offs to loans | 0.0564% | 2,926 |
| Credit loss provision to net charge-offs | 308.3333% | 962 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 932 |
| Efficiency ratio | 67.0531% | 3,433 |
| Assets per employee ($millions) | 4.3390% | 3,379 |
| Cash dividends to net income (ytd only)* | 54.0123% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,929 |
| Loan loss allowance to noncurrent loans | 305.2632% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,728 |
| Noncurrent loans to loans | 0.4034% | 3,704 |
| Net loans and leases to total assets | 35.7376% | 5,494 |
| Net loans and leases to deposits | 40.5414% | 5,529 |
| Net loans and leases to core deposits | 42.5384% | 5,538 |
| Total domestic deposits to total assets | 88.1510% | 1,562 |
| Equity capital to assets | 8.7500% | 5,065 |
| Core capital (leverage) ratio | 9.3051% | 4,344 |
| Tier 1 risk-based capital ratio | 18.7847% | 1,662 |
| Total risk-based capital ratio | 19.7313% | 1,700 |
| Memoranda: | ||
| Average total assets | $124,603,800 | 3,915 |
| Average earning assets | $119,034,000 | 3,847 |
| Average equity | $11,542,200 | 4,331 |
| Average total loans | $42,568,400 | 4,798 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9435% | 5,614 |
| Cost of funding earning assets | 0.1436% | 5,518 |
| Net interest margin | 2.7999% | 5,359 |
| Noninterest income to average assets | 0.6439% | 2,457 |
| Noninterest expense to average assets | 2.2768% | 4,591 |
| Loan and lease loss provision to assets | 0.0606% | 3,037 |
| Net operating income to assets | 0.9793% | 2,521 |
| Return on assets (ROA) | 0.9793% | 2,653 |
| Pretax return on assets | 0.9869% | 3,677 |
| Return on Equity (ROE) | 10.4198% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.8932% | 2,900 |
| Net charge-offs to loans | 0.0386% | 2,860 |
| Credit loss provision to net charge-offs | 466.6667% | 750 |
| Earnings coverage of net charge-offs (x) | 80.6644% | 775 |
| Efficiency ratio | 68.4896% | 3,140 |
| Assets per employee ($millions) | 4.2625% | 3,482 |
| Cash dividends to net income (ytd only)* | 53.0382% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,913 |
| Loan loss allowance to noncurrent loans | 474.3802% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 5,023 |
| Noncurrent loans to loans | 0.2650% | 4,314 |
| Net loans and leases to total assets | 37.7733% | 5,477 |
| Net loans and leases to deposits | 46.5079% | 5,439 |
| Net loans and leases to core deposits | 48.7231% | 5,428 |
| Total domestic deposits to total assets | 81.2189% | 4,192 |
| Equity capital to assets | 10.0185% | 4,111 |
| Core capital (leverage) ratio | 9.3920% | 4,340 |
| Tier 1 risk-based capital ratio | 19.8168% | 1,481 |
| Total risk-based capital ratio | 20.8183% | 1,499 |
| Memoranda: | ||
| Average total assets | $123,212,000 | 3,961 |
| Average earning assets | $117,953,750 | 3,885 |
| Average equity | $11,580,250 | 4,359 |
| Average total loans | $41,435,500 | 4,874 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8674% | 5,760 |
| Cost of funding earning assets | 0.1410% | 5,606 |
| Net interest margin | 2.7264% | 5,540 |
| Noninterest income to average assets | 0.6169% | 2,527 |
| Noninterest expense to average assets | 2.2201% | 4,802 |
| Loan and lease loss provision to assets | 0.0610% | 2,914 |
| Net operating income to assets | 0.9349% | 2,705 |
| Return on assets (ROA) | 0.9349% | 2,837 |
| Pretax return on assets | 0.9446% | 3,793 |
| Return on Equity (ROE) | 10.1618% | 1,977 |
| Retained earnings to average equity (ytd only) | 1.7809% | 4,662 |
| Net charge-offs to loans | 0.0600% | 2,335 |
| Credit loss provision to net charge-offs | 316.6667% | 926 |
| Earnings coverage of net charge-offs (x) | 52.1667% | 970 |
| Efficiency ratio | 68.8247% | 3,184 |
| Assets per employee ($millions) | 4.1353% | 3,678 |
| Cash dividends to net income (ytd only)* | 82.4742% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 2,497 |
| Loan loss allowance to noncurrent loans | 3,475.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 5,563 |
| Noncurrent loans to loans | 0.0391% | 5,308 |
| Net loans and leases to total assets | 32.5582% | 5,728 |
| Net loans and leases to deposits | 37.0719% | 5,765 |
| Net loans and leases to core deposits | 38.2679% | 5,783 |
| Total domestic deposits to total assets | 87.8242% | 1,511 |
| Equity capital to assets | 9.5431% | 4,724 |
| Core capital (leverage) ratio | 8.8390% | 5,010 |
| Tier 1 risk-based capital ratio | 20.6382% | 1,322 |
| Total risk-based capital ratio | 21.6757% | 1,339 |
| Memoranda: | ||
| Average total assets | $124,499,670 | 3,967 |
| Average earning assets | $119,133,330 | 3,891 |
| Average equity | $11,454,670 | 4,408 |
| Average total loans | $40,028,670 | 4,969 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8743% | 5,806 |
| Cost of funding earning assets | 0.1405% | 5,670 |
| Net interest margin | 2.7338% | 5,563 |
| Noninterest income to average assets | 0.5997% | 2,537 |
| Noninterest expense to average assets | 2.2290% | 4,834 |
| Loan and lease loss provision to assets | 0.0609% | 2,727 |
| Net operating income to assets | 0.9205% | 2,646 |
| Return on assets (ROA) | 0.9205% | 2,759 |
| Pretax return on assets | 0.9301% | 3,727 |
| Return on Equity (ROE) | 10.1931% | 1,907 |
| Retained earnings to average equity (ytd only) | -2.2375% | 5,404 |
| Net charge-offs to loans | 0.0202% | 2,533 |
| Credit loss provision to net charge-offs | 950.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 391 |
| Efficiency ratio | 69.2231% | 3,262 |
| Assets per employee ($millions) | 4.0334% | 3,890 |
| Cash dividends to net income (ytd only)* | 121.9512% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 2,537 |
| Loan loss allowance to noncurrent loans | 804.4118% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 5,387 |
| Noncurrent loans to loans | 0.1710% | 4,799 |
| Net loans and leases to total assets | 32.4105% | 5,773 |
| Net loans and leases to deposits | 37.8174% | 5,782 |
| Net loans and leases to core deposits | 39.1013% | 5,794 |
| Total domestic deposits to total assets | 85.7026% | 2,808 |
| Equity capital to assets | 9.4346% | 4,736 |
| Core capital (leverage) ratio | 8.6552% | 5,225 |
| Tier 1 risk-based capital ratio | 20.4057% | 1,423 |
| Total risk-based capital ratio | 21.4302% | 1,438 |
| Memoranda: | ||
| Average total assets | $124,720,500 | 3,998 |
| Average earning assets | $119,541,500 | 3,920 |
| Average equity | $11,262,500 | 4,456 |
| Average total loans | $39,569,500 | 5,022 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7433% | 5,917 |
| Cost of funding earning assets | 0.1348% | 5,785 |
| Net interest margin | 2.6086% | 5,748 |
| Noninterest income to average assets | 0.6522% | 2,451 |
| Noninterest expense to average assets | 2.1680% | 5,120 |
| Loan and lease loss provision to assets | 0.0520% | 3,274 |
| Net operating income to assets | 0.9059% | 2,837 |
| Return on assets (ROA) | 0.9059% | 2,920 |
| Pretax return on assets | 0.9352% | 3,706 |
| Return on Equity (ROE) | 10.2448% | 1,900 |
| Retained earnings to average equity (ytd only) | 4.2671% | 2,940 |
| Net charge-offs to loans | -0.0334% | 5,433 |
| Credit loss provision to net charge-offs | -533.3333% | 5,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7113% | 3,446 |
| Assets per employee ($millions) | 4.2813% | 3,429 |
| Cash dividends to net income (ytd only)* | 58.3483% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 2,683 |
| Loan loss allowance to noncurrent loans | 8,833.3333% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,701 |
| Noncurrent loans to loans | 0.0152% | 5,468 |
| Net loans and leases to total assets | 30.2437% | 5,881 |
| Net loans and leases to deposits | 34.0531% | 5,931 |
| Net loans and leases to core deposits | 35.8160% | 5,924 |
| Total domestic deposits to total assets | 88.8135% | 1,220 |
| Equity capital to assets | 8.6492% | 5,426 |
| Core capital (leverage) ratio | 9.0360% | 4,841 |
| Tier 1 risk-based capital ratio | 16.4502% | 2,508 |
| Total risk-based capital ratio | 17.2459% | 2,630 |
| Memoranda: | ||
| Average total assets | $122,971,000 | 4,026 |
| Average earning assets | $117,995,400 | 3,925 |
| Average equity | $10,873,800 | 4,503 |
| Average total loans | $35,918,000 | 5,157 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7235% | 6,005 |
| Cost of funding earning assets | 0.1360% | 5,879 |
| Net interest margin | 2.5875% | 5,846 |
| Noninterest income to average assets | 0.6557% | 2,446 |
| Noninterest expense to average assets | 2.2258% | 4,976 |
| Loan and lease loss provision to assets | 0.0504% | 3,199 |
| Net operating income to assets | 0.8344% | 3,256 |
| Return on assets (ROA) | 0.8344% | 3,339 |
| Pretax return on assets | 0.8618% | 4,131 |
| Return on Equity (ROE) | 9.3818% | 2,364 |
| Retained earnings to average equity (ytd only) | 1.3685% | 5,178 |
| Net charge-offs to loans | -0.0380% | 5,444 |
| Credit loss provision to net charge-offs | -460.0000% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9294% | 3,062 |
| Assets per employee ($millions) | 3.9766% | 3,920 |
| Cash dividends to net income (ytd only)* | 85.4145% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 2,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 31.8896% | 5,929 |
| Net loans and leases to deposits | 37.8687% | 5,933 |
| Net loans and leases to core deposits | 39.5620% | 5,931 |
| Total domestic deposits to total assets | 84.2111% | 3,338 |
| Equity capital to assets | 9.3647% | 4,924 |
| Core capital (leverage) ratio | 8.4666% | 5,577 |
| Tier 1 risk-based capital ratio | 19.9883% | 1,551 |
| Total risk-based capital ratio | 20.9497% | 1,588 |
| Memoranda: | ||
| Average total assets | $121,603,750 | 4,089 |
| Average earning assets | $116,659,750 | 3,990 |
| Average equity | $10,815,000 | 4,569 |
| Average total loans | $35,053,750 | 5,247 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6461% | 6,101 |
| Cost of funding earning assets | 0.1330% | 5,966 |
| Net interest margin | 2.5132% | 5,949 |
| Noninterest income to average assets | 0.6292% | 2,583 |
| Noninterest expense to average assets | 2.2146% | 5,070 |
| Loan and lease loss provision to assets | 0.0507% | 3,108 |
| Net operating income to assets | 0.7453% | 3,661 |
| Return on assets (ROA) | 0.7453% | 3,758 |
| Pretax return on assets | 0.7731% | 4,410 |
| Return on Equity (ROE) | 8.5266% | 2,787 |
| Retained earnings to average equity (ytd only) | 1.9820% | 4,710 |
| Net charge-offs to loans | -0.0767% | 5,693 |
| Credit loss provision to net charge-offs | -238.4615% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8886% | 2,858 |
| Assets per employee ($millions) | 4.1991% | 3,471 |
| Cash dividends to net income (ytd only)* | 76.7544% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 3,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 29.0168% | 6,071 |
| Net loans and leases to deposits | 33.1030% | 6,101 |
| Net loans and leases to core deposits | 34.2822% | 6,102 |
| Total domestic deposits to total assets | 87.6560% | 1,813 |
| Equity capital to assets | 8.6003% | 5,599 |
| Core capital (leverage) ratio | 8.6307% | 5,399 |
| Tier 1 risk-based capital ratio | 18.1228% | 2,033 |
| Total risk-based capital ratio | 18.9742% | 2,097 |
| Memoranda: | ||
| Average total assets | $122,372,000 | 4,109 |
| Average earning assets | $117,302,670 | 4,004 |
| Average equity | $10,696,000 | 4,617 |
| Average total loans | $33,887,000 | 5,329 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6400% | 6,162 |
| Cost of funding earning assets | 0.1384% | 6,007 |
| Net interest margin | 2.5016% | 6,011 |
| Noninterest income to average assets | 0.5905% | 2,695 |
| Noninterest expense to average assets | 2.2294% | 5,074 |
| Loan and lease loss provision to assets | 0.0531% | 2,885 |
| Net operating income to assets | 0.6735% | 3,931 |
| Return on assets (ROA) | 0.6735% | 4,050 |
| Pretax return on assets | 0.7066% | 4,569 |
| Return on Equity (ROE) | 7.6409% | 3,141 |
| Retained earnings to average equity (ytd only) | -5.5331% | 5,966 |
| Net charge-offs to loans | 0.1114% | 1,629 |
| Credit loss provision to net charge-offs | 177.7778% | 1,137 |
| Earnings coverage of net charge-offs (x) | 25.4444% | 1,267 |
| Efficiency ratio | 74.5838% | 2,719 |
| Assets per employee ($millions) | 4.2325% | 3,501 |
| Cash dividends to net income (ytd only)* | 172.4138% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.7580% | 6,140 |
| Net loans and leases to deposits | 31.7805% | 6,165 |
| Net loans and leases to core deposits | 33.0759% | 6,160 |
| Total domestic deposits to total assets | 87.3428% | 2,191 |
| Equity capital to assets | 9.1748% | 5,120 |
| Core capital (leverage) ratio | 8.5549% | 5,471 |
| Tier 1 risk-based capital ratio | 17.3291% | 2,371 |
| Total risk-based capital ratio | 18.1029% | 2,488 |
| Memoranda: | ||
| Average total assets | $120,572,000 | 4,175 |
| Average earning assets | $115,607,000 | 4,071 |
| Average equity | $10,627,000 | 4,672 |
| Average total loans | $32,305,000 | 5,429 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6230% | 6,295 |
| Cost of funding earning assets | 0.1490% | 6,109 |
| Net interest margin | 2.4739% | 6,181 |
| Noninterest income to average assets | 0.6463% | 2,573 |
| Noninterest expense to average assets | 2.2450% | 5,254 |
| Loan and lease loss provision to assets | 0.0162% | 4,283 |
| Net operating income to assets | 0.7126% | 3,826 |
| Return on assets (ROA) | 0.7126% | 3,933 |
| Pretax return on assets | 0.7424% | 4,469 |
| Return on Equity (ROE) | 8.3524% | 2,937 |
| Retained earnings to average equity (ytd only) | 2.3722% | 4,538 |
| Net charge-offs to loans | 0.2068% | 2,014 |
| Credit loss provision to net charge-offs | 32.2034% | 3,807 |
| Earnings coverage of net charge-offs (x) | 15.1186% | 2,105 |
| Efficiency ratio | 74.7452% | 2,710 |
| Assets per employee ($millions) | 4.3798% | 3,221 |
| Cash dividends to net income (ytd only)* | 71.5990% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 2,683 |
| Loan loss allowance to noncurrent loans | 2,063.6364% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,977 |
| Noncurrent loans to loans | 0.0704% | 5,598 |
| Net loans and leases to total assets | 25.1146% | 6,295 |
| Net loans and leases to deposits | 28.4886% | 6,313 |
| Net loans and leases to core deposits | 29.0672% | 6,322 |
| Total domestic deposits to total assets | 88.1566% | 1,680 |
| Equity capital to assets | 8.4650% | 5,779 |
| Core capital (leverage) ratio | 9.1592% | 4,736 |
| Tier 1 risk-based capital ratio | 20.7040% | 1,470 |
| Total risk-based capital ratio | 21.5998% | 1,497 |
| Memoranda: | ||
| Average total assets | $117,595,600 | 4,234 |
| Average earning assets | $112,048,000 | 4,134 |
| Average equity | $10,033,000 | 4,746 |
| Average total loans | $28,533,600 | 5,624 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6396% | 6,361 |
| Cost of funding earning assets | 0.1543% | 6,162 |
| Net interest margin | 2.4852% | 6,242 |
| Noninterest income to average assets | 0.6624% | 2,512 |
| Noninterest expense to average assets | 2.2795% | 5,156 |
| Loan and lease loss provision to assets | 0.0149% | 4,116 |
| Net operating income to assets | 0.7025% | 3,926 |
| Return on assets (ROA) | 0.7025% | 4,027 |
| Pretax return on assets | 0.7300% | 4,592 |
| Return on Equity (ROE) | 8.2175% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.1959% | 3,662 |
| Net charge-offs to loans | 0.2537% | 1,522 |
| Credit loss provision to net charge-offs | 24.5283% | 3,529 |
| Earnings coverage of net charge-offs (x) | 12.2651% | 2,336 |
| Efficiency ratio | 75.3695% | 2,603 |
| Assets per employee ($millions) | 4.0635% | 3,746 |
| Cash dividends to net income (ytd only)* | 48.9398% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 26.2316% | 6,353 |
| Net loans and leases to deposits | 32.4816% | 6,333 |
| Net loans and leases to core deposits | 33.2602% | 6,336 |
| Total domestic deposits to total assets | 80.7583% | 4,898 |
| Equity capital to assets | 9.1396% | 5,223 |
| Core capital (leverage) ratio | 8.9233% | 5,166 |
| Tier 1 risk-based capital ratio | 21.7243% | 1,304 |
| Total risk-based capital ratio | 22.6514% | 1,343 |
| Memoranda: | ||
| Average total assets | $116,336,000 | 4,295 |
| Average earning assets | $110,570,500 | 4,203 |
| Average equity | $9,946,000 | 4,800 |
| Average total loans | $27,853,750 | 5,710 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5651% | 6,456 |
| Cost of funding earning assets | 0.1583% | 6,210 |
| Net interest margin | 2.4068% | 6,354 |
| Noninterest income to average assets | 0.6656% | 2,459 |
| Noninterest expense to average assets | 2.2886% | 5,180 |
| Loan and lease loss provision to assets | 0.0137% | 3,987 |
| Net operating income to assets | 0.6246% | 4,222 |
| Return on assets (ROA) | 0.6246% | 4,321 |
| Pretax return on assets | 0.6468% | 4,798 |
| Return on Equity (ROE) | 7.4732% | 3,381 |
| Retained earnings to average equity (ytd only) | 1.3476% | 5,205 |
| Net charge-offs to loans | -0.0370% | 5,759 |
| Credit loss provision to net charge-offs | -160.0000% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6042% | 2,356 |
| Assets per employee ($millions) | 4.8970% | 2,347 |
| Cash dividends to net income (ytd only)* | 81.9672% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 1,975 |
| Loan loss allowance to noncurrent loans | 357.4468% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 5,804 |
| Noncurrent loans to loans | 0.4897% | 4,528 |
| Net loans and leases to total assets | 23.1098% | 6,469 |
| Net loans and leases to deposits | 26.9653% | 6,477 |
| Net loans and leases to core deposits | 27.3961% | 6,480 |
| Total domestic deposits to total assets | 85.7021% | 3,192 |
| Equity capital to assets | 8.3848% | 5,892 |
| Core capital (leverage) ratio | 8.5544% | 5,584 |
| Tier 1 risk-based capital ratio | 19.5370% | 1,795 |
| Total risk-based capital ratio | 20.4910% | 1,829 |
| Memoranda: | ||
| Average total assets | $117,188,330 | 4,300 |
| Average earning assets | $111,183,670 | 4,212 |
| Average equity | $9,795,000 | 4,848 |
| Average total loans | $27,039,330 | 5,791 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5668% | 6,530 |
| Cost of funding earning assets | 0.1657% | 6,258 |
| Net interest margin | 2.4010% | 6,421 |
| Noninterest income to average assets | 0.6633% | 2,381 |
| Noninterest expense to average assets | 2.3392% | 5,094 |
| Loan and lease loss provision to assets | 0.0279% | 3,465 |
| Net operating income to assets | 0.5621% | 4,403 |
| Return on assets (ROA) | 0.5621% | 4,480 |
| Pretax return on assets | 0.5726% | 4,927 |
| Return on Equity (ROE) | 6.7364% | 3,614 |
| Retained earnings to average equity (ytd only) | -5.8159% | 6,170 |
| Net charge-offs to loans | -0.1529% | 6,299 |
| Credit loss provision to net charge-offs | -80.0000% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5724% | 2,265 |
| Assets per employee ($millions) | 4.2772% | 3,386 |
| Cash dividends to net income (ytd only)* | 186.3354% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 1,691 |
| Loan loss allowance to noncurrent loans | 410.4839% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 5,511 |
| Noncurrent loans to loans | 0.4681% | 4,752 |
| Net loans and leases to total assets | 22.4990% | 6,532 |
| Net loans and leases to deposits | 25.8206% | 6,549 |
| Net loans and leases to core deposits | 26.2513% | 6,550 |
| Total domestic deposits to total assets | 87.1360% | 2,733 |
| Equity capital to assets | 8.4098% | 5,739 |
| Core capital (leverage) ratio | 8.6833% | 5,404 |
| Tier 1 risk-based capital ratio | 21.9056% | 1,304 |
| Total risk-based capital ratio | 23.0078% | 1,309 |
| Memoranda: | ||
| Average total assets | $114,570,500 | 4,400 |
| Average earning assets | $108,619,500 | 4,305 |
| Average equity | $9,560,000 | 4,922 |
| Average total loans | $26,161,000 | 5,887 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5485% | 6,601 |
| Cost of funding earning assets | 0.1854% | 6,360 |
| Net interest margin | 2.3631% | 6,476 |
| Noninterest income to average assets | 0.8114% | 2,024 |
| Noninterest expense to average assets | 2.4048% | 5,054 |
| Loan and lease loss provision to assets | 0.0323% | 4,473 |
| Net operating income to assets | 0.5945% | 4,289 |
| Return on assets (ROA) | 0.5945% | 4,402 |
| Pretax return on assets | 0.6213% | 4,801 |
| Return on Equity (ROE) | 6.4328% | 3,860 |
| Retained earnings to average equity (ytd only) | 1.4384% | 5,175 |
| Net charge-offs to loans | 0.2159% | 2,732 |
| Credit loss provision to net charge-offs | 66.0377% | 3,404 |
| Earnings coverage of net charge-offs (x) | 13.3585% | 2,034 |
| Efficiency ratio | 78.6296% | 2,370 |
| Assets per employee ($millions) | 4.0591% | 3,740 |
| Cash dividends to net income (ytd only)* | 77.6398% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 1,779 |
| Loan loss allowance to noncurrent loans | 334.0136% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 5,498 |
| Noncurrent loans to loans | 0.5691% | 4,566 |
| Net loans and leases to total assets | 22.2945% | 6,630 |
| Net loans and leases to deposits | 25.3134% | 6,647 |
| Net loans and leases to core deposits | 25.8691% | 6,647 |
| Total domestic deposits to total assets | 88.0737% | 2,135 |
| Equity capital to assets | 8.2776% | 5,796 |
| Core capital (leverage) ratio | 9.8005% | 3,838 |
| Tier 1 risk-based capital ratio | 20.7390% | 1,480 |
| Total risk-based capital ratio | 21.7319% | 1,515 |
| Memoranda: | ||
| Average total assets | $108,324,800 | 4,539 |
| Average earning assets | $103,002,200 | 4,438 |
| Average equity | $10,011,200 | 4,846 |
| Average total loans | $24,553,000 | 6,006 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5430% | 6,680 |
| Cost of funding earning assets | 0.1910% | 6,443 |
| Net interest margin | 2.3520% | 6,555 |
| Noninterest income to average assets | 0.8237% | 2,042 |
| Noninterest expense to average assets | 2.4076% | 5,005 |
| Loan and lease loss provision to assets | 0.0299% | 4,411 |
| Net operating income to assets | 0.5994% | 4,349 |
| Return on assets (ROA) | 0.5994% | 4,473 |
| Pretax return on assets | 0.6268% | 4,925 |
| Return on Equity (ROE) | 6.3110% | 4,023 |
| Retained earnings to average equity (ytd only) | -0.2493% | 5,989 |
| Net charge-offs to loans | 0.1596% | 2,957 |
| Credit loss provision to net charge-offs | 82.7586% | 2,779 |
| Earnings coverage of net charge-offs (x) | 18.1704% | 1,700 |
| Efficiency ratio | 78.5685% | 2,331 |
| Assets per employee ($millions) | 3.7971% | 4,248 |
| Cash dividends to net income (ytd only)* | 103.9497% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 1,926 |
| Loan loss allowance to noncurrent loans | 307.3171% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 5,115 |
| Noncurrent loans to loans | 0.6263% | 4,637 |
| Net loans and leases to total assets | 25.0483% | 6,669 |
| Net loans and leases to deposits | 29.0932% | 6,683 |
| Net loans and leases to core deposits | 29.8192% | 6,686 |
| Total domestic deposits to total assets | 86.0966% | 3,200 |
| Equity capital to assets | 9.4565% | 4,605 |
| Core capital (leverage) ratio | 9.6203% | 4,219 |
| Tier 1 risk-based capital ratio | 21.2459% | 1,446 |
| Total risk-based capital ratio | 22.3069% | 1,462 |
| Memoranda: | ||
| Average total assets | $106,992,000 | 4,617 |
| Average earning assets | $101,923,750 | 4,502 |
| Average equity | $10,162,000 | 4,854 |
| Average total loans | $24,233,750 | 6,084 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4184% | 6,761 |
| Cost of funding earning assets | 0.1925% | 6,513 |
| Net interest margin | 2.2258% | 6,669 |
| Noninterest income to average assets | 0.7928% | 2,218 |
| Noninterest expense to average assets | 2.3820% | 5,103 |
| Loan and lease loss provision to assets | 0.0240% | 4,436 |
| Net operating income to assets | 0.4959% | 4,815 |
| Return on assets (ROA) | 0.4959% | 4,990 |
| Pretax return on assets | 0.5181% | 5,314 |
| Return on Equity (ROE) | 5.2144% | 4,612 |
| Retained earnings to average equity (ytd only) | -0.6009% | 5,979 |
| Net charge-offs to loans | 0.1442% | 2,947 |
| Credit loss provision to net charge-offs | 76.4706% | 2,699 |
| Earnings coverage of net charge-offs (x) | 17.2941% | 1,613 |
| Efficiency ratio | 81.4628% | 1,966 |
| Assets per employee ($millions) | 4.2639% | 3,232 |
| Cash dividends to net income (ytd only)* | 111.5242% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 1,749 |
| Loan loss allowance to noncurrent loans | 184.3066% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 5,312 |
| Noncurrent loans to loans | 1.1109% | 3,710 |
| Net loans and leases to total assets | 22.6646% | 6,752 |
| Net loans and leases to deposits | 26.2141% | 6,762 |
| Net loans and leases to core deposits | 26.5445% | 6,770 |
| Total domestic deposits to total assets | 86.4594% | 3,132 |
| Equity capital to assets | 8.8688% | 5,371 |
| Core capital (leverage) ratio | 9.2143% | 4,674 |
| Tier 1 risk-based capital ratio | 24.3243% | 960 |
| Total risk-based capital ratio | 25.5430% | 946 |
| Memoranda: | ||
| Average total assets | $108,482,000 | 4,594 |
| Average earning assets | $103,871,000 | 4,480 |
| Average equity | $10,317,670 | 4,866 |
| Average total loans | $23,583,670 | 6,146 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3457% | 6,856 |
| Cost of funding earning assets | 0.1907% | 6,622 |
| Net interest margin | 2.1550% | 6,784 |
| Noninterest income to average assets | 0.7274% | 2,438 |
| Noninterest expense to average assets | 2.2847% | 5,464 |
| Loan and lease loss provision to assets | 0.0183% | 4,237 |
| Net operating income to assets | 0.4679% | 4,832 |
| Return on assets (ROA) | 0.4679% | 4,995 |
| Pretax return on assets | 0.4898% | 5,297 |
| Return on Equity (ROE) | 4.7630% | 4,706 |
| Retained earnings to average equity (ytd only) | -6.4003% | 6,437 |
| Net charge-offs to loans | 0.0521% | 3,306 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 707 |
| Efficiency ratio | 81.8063% | 2,066 |
| Assets per employee ($millions) | 4.2213% | 3,499 |
| Cash dividends to net income (ytd only)* | 234.3750% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1708% | 1,648 |
| Loan loss allowance to noncurrent loans | 108.0338% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 5,259 |
| Noncurrent loans to loans | 2.0093% | 2,609 |
| Net loans and leases to total assets | 21.8216% | 6,824 |
| Net loans and leases to deposits | 24.9816% | 6,845 |
| Net loans and leases to core deposits | 25.2991% | 6,850 |
| Total domestic deposits to total assets | 87.3509% | 2,725 |
| Equity capital to assets | 10.1021% | 4,016 |
| Core capital (leverage) ratio | 9.1943% | 4,577 |
| Tier 1 risk-based capital ratio | 23.0507% | 1,154 |
| Total risk-based capital ratio | 24.2358% | 1,138 |
| Memoranda: | ||
| Average total assets | $109,424,000 | 4,622 |
| Average earning assets | $104,872,000 | 4,497 |
| Average equity | $10,749,500 | 4,822 |
| Average total loans | $23,043,000 | 6,219 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5386% | 6,926 |
| Cost of funding earning assets | 0.3160% | 6,377 |
| Net interest margin | 2.2226% | 6,873 |
| Noninterest income to average assets | 0.7486% | 2,505 |
| Noninterest expense to average assets | 2.5054% | 5,075 |
| Loan and lease loss provision to assets | 0.0233% | 5,602 |
| Net operating income to assets | 0.3463% | 5,312 |
| Return on assets (ROA) | 0.3463% | 5,530 |
| Pretax return on assets | 0.3472% | 5,725 |
| Return on Equity (ROE) | 3.3894% | 5,395 |
| Retained earnings to average equity (ytd only) | -1.1785% | 6,041 |
| Net charge-offs to loans | 0.2921% | 3,189 |
| Credit loss provision to net charge-offs | 39.0625% | 4,948 |
| Earnings coverage of net charge-offs (x) | 6.2031% | 2,853 |
| Efficiency ratio | 87.1146% | 1,320 |
| Assets per employee ($millions) | 3.9074% | 4,137 |
| Cash dividends to net income (ytd only)* | 134.7709% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,446 |
| Loan loss allowance to noncurrent loans | 328.3871% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 6,223 |
| Noncurrent loans to loans | 0.6875% | 4,821 |
| Net loans and leases to total assets | 19.4476% | 6,931 |
| Net loans and leases to deposits | 22.1006% | 6,952 |
| Net loans and leases to core deposits | 22.3159% | 6,957 |
| Total domestic deposits to total assets | 87.9954% | 2,237 |
| Equity capital to assets | 9.5645% | 4,803 |
| Core capital (leverage) ratio | 10.0908% | 3,286 |
| Tier 1 risk-based capital ratio | 26.8146% | 704 |
| Total risk-based capital ratio | 28.0664% | 698 |
| Memoranda: | ||
| Average total assets | $107,130,600 | 4,653 |
| Average earning assets | $102,537,200 | 4,530 |
| Average equity | $10,946,000 | 4,771 |
| Average total loans | $21,910,200 | 6,342 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5865% | 7,028 |
| Cost of funding earning assets | 0.3448% | 6,403 |
| Net interest margin | 2.2417% | 6,975 |
| Noninterest income to average assets | 0.7526% | 2,467 |
| Noninterest expense to average assets | 2.5293% | 4,989 |
| Loan and lease loss provision to assets | 0.0227% | 5,510 |
| Net operating income to assets | 0.3485% | 5,437 |
| Return on assets (ROA) | 0.3485% | 5,639 |
| Pretax return on assets | 0.3435% | 5,864 |
| Return on Equity (ROE) | 3.3536% | 5,550 |
| Retained earnings to average equity (ytd only) | -2.7218% | 6,459 |
| Net charge-offs to loans | 0.1900% | 3,595 |
| Credit loss provision to net charge-offs | 58.0645% | 4,205 |
| Earnings coverage of net charge-offs (x) | 9.3554% | 2,330 |
| Efficiency ratio | 87.3528% | 1,265 |
| Assets per employee ($millions) | 3.2263% | 5,587 |
| Cash dividends to net income (ytd only)* | 181.1598% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 1,185 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 6,785 |
| Noncurrent loans to loans | 0.0236% | 6,576 |
| Net loans and leases to total assets | 21.3611% | 7,010 |
| Net loans and leases to deposits | 24.5695% | 7,032 |
| Net loans and leases to core deposits | 24.8533% | 7,036 |
| Total domestic deposits to total assets | 86.9416% | 2,704 |
| Equity capital to assets | 11.2917% | 2,947 |
| Core capital (leverage) ratio | 9.8271% | 3,782 |
| Tier 1 risk-based capital ratio | 27.4885% | 701 |
| Total risk-based capital ratio | 28.7400% | 687 |
| Memoranda: | ||
| Average total assets | $105,584,500 | 4,736 |
| Average earning assets | $100,932,500 | 4,625 |
| Average equity | $10,973,000 | 4,812 |
| Average total loans | $21,751,250 | 6,433 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5099% | 7,122 |
| Cost of funding earning assets | 0.3627% | 6,457 |
| Net interest margin | 2.1472% | 7,064 |
| Noninterest income to average assets | 0.7317% | 2,509 |
| Noninterest expense to average assets | 2.4899% | 5,178 |
| Loan and lease loss provision to assets | 0.0074% | 5,563 |
| Net operating income to assets | 0.3023% | 5,612 |
| Return on assets (ROA) | 0.3023% | 5,813 |
| Pretax return on assets | 0.2857% | 5,984 |
| Return on Equity (ROE) | 2.9852% | 5,701 |
| Retained earnings to average equity (ytd only) | -6.1159% | 6,677 |
| Net charge-offs to loans | 0.2006% | 3,379 |
| Credit loss provision to net charge-offs | 18.1818% | 4,639 |
| Earnings coverage of net charge-offs (x) | 7.2273% | 2,519 |
| Efficiency ratio | 89.4702% | 1,120 |
| Assets per employee ($millions) | 3.4254% | 5,150 |
| Cash dividends to net income (ytd only)* | 304.8780% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4618% | 1,334 |
| Loan loss allowance to noncurrent loans | 10,600.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,848 |
| Noncurrent loans to loans | 0.0232% | 6,634 |
| Net loans and leases to total assets | 20.4348% | 7,077 |
| Net loans and leases to deposits | 23.4215% | 7,095 |
| Net loans and leases to core deposits | 23.6744% | 7,105 |
| Total domestic deposits to total assets | 87.2481% | 2,620 |
| Equity capital to assets | 10.4067% | 3,802 |
| Core capital (leverage) ratio | 9.2640% | 4,509 |
| Tier 1 risk-based capital ratio | 24.1590% | 996 |
| Total risk-based capital ratio | 25.4104% | 980 |
| Memoranda: | ||
| Average total assets | $108,516,670 | 4,705 |
| Average earning assets | $103,670,000 | 4,580 |
| Average equity | $10,987,670 | 4,814 |
| Average total loans | $21,931,670 | 6,469 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3986% | 7,194 |
| Cost of funding earning assets | 0.3765% | 6,518 |
| Net interest margin | 2.0221% | 7,158 |
| Noninterest income to average assets | 0.7074% | 2,626 |
| Noninterest expense to average assets | 2.3987% | 5,472 |
| Loan and lease loss provision to assets | -0.0036% | 7,091 |
| Net operating income to assets | 0.2262% | 5,901 |
| Return on assets (ROA) | 0.2262% | 6,047 |
| Pretax return on assets | 0.2406% | 6,107 |
| Return on Equity (ROE) | 2.2632% | 5,984 |
| Retained earnings to average equity (ytd only) | 2.2632% | 5,125 |
| Net charge-offs to loans | 0.2892% | 2,516 |
| Credit loss provision to net charge-offs | -6.2500% | 5,343 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 2,657 |
| Efficiency ratio | 91.0082% | 1,016 |
| Assets per employee ($millions) | 3.5599% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5058% | 1,346 |
| Loan loss allowance to noncurrent loans | 191.0072% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 6,235 |
| Noncurrent loans to loans | 1.3119% | 4,148 |
| Net loans and leases to total assets | 19.3453% | 7,153 |
| Net loans and leases to deposits | 22.4243% | 7,161 |
| Net loans and leases to core deposits | 22.6620% | 7,171 |
| Total domestic deposits to total assets | 86.2691% | 3,376 |
| Equity capital to assets | 10.1970% | 3,857 |
| Core capital (leverage) ratio | 9.1595% | 4,590 |
| Tier 1 risk-based capital ratio | 28.1657% | 624 |
| Total risk-based capital ratio | 29.2721% | 625 |
| Memoranda: | ||
| Average total assets | $111,394,500 | 4,669 |
| Average earning assets | $106,228,000 | 4,540 |
| Average equity | $11,134,500 | 4,791 |
| Average total loans | $22,133,000 | 6,504 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 7,189 |
| Cost of funding earning assets | 0.5264% | 6,430 |
| Net interest margin | 2.4218% | 7,092 |
| Noninterest income to average assets | 1.0055% | 1,355 |
| Noninterest expense to average assets | 2.6901% | 4,779 |
| Loan and lease loss provision to assets | -0.1772% | 7,298 |
| Net operating income to assets | 0.7407% | 3,290 |
| Return on assets (ROA) | 0.7407% | 3,462 |
| Pretax return on assets | 0.7792% | 4,054 |
| Return on Equity (ROE) | 7.0582% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.1403% | 1,934 |
| Net charge-offs to loans | 0.0516% | 5,802 |
| Credit loss provision to net charge-offs | -1,415.3846% | 6,886 |
| Earnings coverage of net charge-offs (x) | 48.0769% | 578 |
| Efficiency ratio | 81.7145% | 2,059 |
| Assets per employee ($millions) | 3.9998% | 3,848 |
| Cash dividends to net income (ytd only)* | 13.0039% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3749% | 1,501 |
| Loan loss allowance to noncurrent loans | 110.0402% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 5,821 |
| Noncurrent loans to loans | 2.1582% | 2,999 |
| Net loans and leases to total assets | 19.4210% | 7,215 |
| Net loans and leases to deposits | 21.9454% | 7,236 |
| Net loans and leases to core deposits | 22.1531% | 7,234 |
| Total domestic deposits to total assets | 88.4967% | 1,849 |
| Equity capital to assets | 9.8101% | 4,430 |
| Core capital (leverage) ratio | 10.1904% | 3,092 |
| Tier 1 risk-based capital ratio | 28.3352% | 599 |
| Total risk-based capital ratio | 29.5865% | 592 |
| Memoranda: | ||
| Average total assets | $103,826,600 | 4,798 |
| Average earning assets | $98,025,600 | 4,683 |
| Average equity | $10,895,200 | 4,808 |
| Average total loans | $25,198,800 | 6,408 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0446% | 7,251 |
| Cost of funding earning assets | 0.5662% | 6,442 |
| Net interest margin | 2.4784% | 7,143 |
| Noninterest income to average assets | 1.0941% | 1,116 |
| Noninterest expense to average assets | 2.6829% | 4,794 |
| Loan and lease loss provision to assets | -0.2447% | 7,392 |
| Net operating income to assets | 0.9419% | 2,562 |
| Return on assets (ROA) | 0.9419% | 2,726 |
| Pretax return on assets | 0.9895% | 3,440 |
| Return on Equity (ROE) | 8.8109% | 2,688 |
| Retained earnings to average equity (ytd only) | 7.5734% | 1,676 |
| Net charge-offs to loans | 0.0622% | 5,346 |
| Credit loss provision to net charge-offs | -1,541.6667% | 6,806 |
| Earnings coverage of net charge-offs (x) | 46.9156% | 683 |
| Efficiency ratio | 78.2709% | 2,513 |
| Assets per employee ($millions) | 3.5988% | 4,765 |
| Cash dividends to net income (ytd only)* | 14.0449% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2578% | 1,758 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 5,485 |
| Noncurrent loans to loans | 2.2578% | 3,045 |
| Net loans and leases to total assets | 24.4144% | 7,223 |
| Net loans and leases to deposits | 28.5009% | 7,235 |
| Net loans and leases to core deposits | 28.9231% | 7,241 |
| Total domestic deposits to total assets | 85.6619% | 3,405 |
| Equity capital to assets | 11.9401% | 2,298 |
| Core capital (leverage) ratio | 10.6950% | 2,669 |
| Tier 1 risk-based capital ratio | 29.7368% | 554 |
| Total risk-based capital ratio | 30.9840% | 542 |
| Memoranda: | ||
| Average total assets | $100,785,000 | 4,905 |
| Average earning assets | $94,898,500 | 4,822 |
| Average equity | $10,774,250 | 4,854 |
| Average total loans | $25,729,750 | 6,436 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0561% | 7,324 |
| Cost of funding earning assets | 0.5862% | 6,518 |
| Net interest margin | 2.4699% | 7,201 |
| Noninterest income to average assets | 1.1942% | 905 |
| Noninterest expense to average assets | 2.6924% | 4,853 |
| Loan and lease loss provision to assets | -0.3824% | 7,471 |
| Net operating income to assets | 1.1452% | 1,737 |
| Return on assets (ROA) | 1.1452% | 1,811 |
| Pretax return on assets | 1.2060% | 2,460 |
| Return on Equity (ROE) | 11.1256% | 1,757 |
| Retained earnings to average equity (ytd only) | 9.2205% | 1,045 |
| Net charge-offs to loans | 0.0458% | 5,208 |
| Credit loss provision to net charge-offs | -3,250.0000% | 6,737 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 477 |
| Efficiency ratio | 76.5756% | 2,924 |
| Assets per employee ($millions) | 3.3244% | 5,377 |
| Cash dividends to net income (ytd only)* | 17.1233% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1327% | 2,051 |
| Loan loss allowance to noncurrent loans | 152.3810% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 6,014 |
| Noncurrent loans to loans | 1.3996% | 4,314 |
| Net loans and leases to total assets | 25.0308% | 7,299 |
| Net loans and leases to deposits | 28.9066% | 7,318 |
| Net loans and leases to core deposits | 29.3170% | 7,327 |
| Total domestic deposits to total assets | 86.5922% | 2,992 |
| Equity capital to assets | 11.2029% | 2,767 |
| Core capital (leverage) ratio | 10.2927% | 2,943 |
| Tier 1 risk-based capital ratio | 28.7466% | 612 |
| Total risk-based capital ratio | 29.9945% | 599 |
| Memoranda: | ||
| Average total assets | $101,990,670 | 4,902 |
| Average earning assets | $95,875,000 | 4,826 |
| Average equity | $10,498,330 | 4,923 |
| Average total loans | $26,216,000 | 6,469 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 7,399 |
| Cost of funding earning assets | 0.6242% | 6,504 |
| Net interest margin | 2.3602% | 7,277 |
| Noninterest income to average assets | 0.7680% | 2,169 |
| Noninterest expense to average assets | 2.6455% | 5,056 |
| Loan and lease loss provision to assets | -0.7409% | 7,551 |
| Net operating income to assets | 1.0202% | 2,105 |
| Return on assets (ROA) | 1.0202% | 2,157 |
| Pretax return on assets | 1.0784% | 2,838 |
| Return on Equity (ROE) | 10.3533% | 1,974 |
| Retained earnings to average equity (ytd only) | 6.4167% | 2,412 |
| Net charge-offs to loans | 0.0151% | 4,872 |
| Credit loss provision to net charge-offs | -19,100.0000% | 6,454 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 355 |
| Efficiency ratio | 88.6866% | 1,446 |
| Assets per employee ($millions) | 3.3885% | 5,274 |
| Cash dividends to net income (ytd only)* | 38.0228% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1344% | 2,109 |
| Loan loss allowance to noncurrent loans | 142.5258% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 5,528 |
| Noncurrent loans to loans | 1.4975% | 4,224 |
| Net loans and leases to total assets | 24.9432% | 7,358 |
| Net loans and leases to deposits | 28.7450% | 7,375 |
| Net loans and leases to core deposits | 29.1435% | 7,383 |
| Total domestic deposits to total assets | 86.7739% | 3,074 |
| Equity capital to assets | 10.1864% | 3,552 |
| Core capital (leverage) ratio | 9.7895% | 3,402 |
| Tier 1 risk-based capital ratio | 27.4872% | 669 |
| Total risk-based capital ratio | 28.7345% | 652 |
| Memoranda: | ||
| Average total assets | $103,119,500 | 4,914 |
| Average earning assets | $96,769,500 | 4,832 |
| Average equity | $10,161,000 | 5,000 |
| Average total loans | $26,570,000 | 6,497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4923% | 7,391 |
| Cost of funding earning assets | 0.8200% | 6,483 |
| Net interest margin | 2.6724% | 7,143 |
| Noninterest income to average assets | 0.8536% | 2,041 |
| Noninterest expense to average assets | 2.9324% | 4,098 |
| Loan and lease loss provision to assets | 0.0259% | 6,866 |
| Net operating income to assets | 0.3500% | 4,736 |
| Return on assets (ROA) | 0.4578% | 4,447 |
| Pretax return on assets | 0.4874% | 4,667 |
| Return on Equity (ROE) | 4.8201% | 4,151 |
| Retained earnings to average equity (ytd only) | 4.0898% | 2,995 |
| Net charge-offs to loans | 0.3551% | 4,242 |
| Credit loss provision to net charge-offs | 28.0000% | 6,506 |
| Earnings coverage of net charge-offs (x) | 4.3100% | 2,972 |
| Efficiency ratio | 88.0344% | 1,483 |
| Assets per employee ($millions) | 3.2683% | 5,497 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7359% | 1,134 |
| Loan loss allowance to noncurrent loans | 156.5126% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 5,479 |
| Noncurrent loans to loans | 1.7480% | 3,884 |
| Net loans and leases to total assets | 25.3251% | 7,446 |
| Net loans and leases to deposits | 28.8230% | 7,475 |
| Net loans and leases to core deposits | 29.8629% | 7,473 |
| Total domestic deposits to total assets | 87.8643% | 2,333 |
| Equity capital to assets | 9.5301% | 4,370 |
| Core capital (leverage) ratio | 9.9175% | 3,185 |
| Tier 1 risk-based capital ratio | 26.7120% | 686 |
| Total risk-based capital ratio | 27.9708% | 677 |
| Memoranda: | ||
| Average total assets | $108,135,400 | 4,768 |
| Average earning assets | $100,248,800 | 4,722 |
| Average equity | $10,269,400 | 5,053 |
| Average total loans | $28,159,400 | 6,489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 7,503 |
| Cost of funding earning assets | 0.8695% | 6,508 |
| Net interest margin | 2.7130% | 7,217 |
| Noninterest income to average assets | 0.8353% | 2,054 |
| Noninterest expense to average assets | 3.1149% | 3,270 |
| Loan and lease loss provision to assets | 0.0257% | 6,815 |
| Net operating income to assets | 0.1827% | 5,558 |
| Return on assets (ROA) | 0.3192% | 5,258 |
| Pretax return on assets | 0.3534% | 5,357 |
| Return on Equity (ROE) | 3.3638% | 5,070 |
| Retained earnings to average equity (ytd only) | 2.3972% | 4,738 |
| Net charge-offs to loans | 0.4273% | 3,583 |
| Credit loss provision to net charge-offs | 23.0769% | 6,222 |
| Earnings coverage of net charge-offs (x) | 2.0439% | 4,193 |
| Efficiency ratio | 93.1943% | 1,045 |
| Assets per employee ($millions) | 2.5691% | 6,989 |
| Cash dividends to net income (ytd only)* | 28.7365% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6205% | 1,178 |
| Loan loss allowance to noncurrent loans | 152.7607% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 5,634 |
| Noncurrent loans to loans | 1.7154% | 4,071 |
| Net loans and leases to total assets | 28.4340% | 7,500 |
| Net loans and leases to deposits | 32.8101% | 7,535 |
| Net loans and leases to core deposits | 34.1611% | 7,531 |
| Total domestic deposits to total assets | 86.6624% | 2,710 |
| Equity capital to assets | 10.7461% | 3,231 |
| Core capital (leverage) ratio | 9.2749% | 4,242 |
| Tier 1 risk-based capital ratio | 25.1757% | 850 |
| Total risk-based capital ratio | 26.4344% | 829 |
| Memoranda: | ||
| Average total assets | $109,023,250 | 4,799 |
| Average earning assets | $100,747,750 | 4,763 |
| Average equity | $10,345,000 | 5,100 |
| Average total loans | $28,391,500 | 6,563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 7,606 |
| Cost of funding earning assets | 0.8879% | 6,630 |
| Net interest margin | 2.6159% | 7,337 |
| Noninterest income to average assets | 0.7977% | 2,130 |
| Noninterest expense to average assets | 2.7654% | 4,639 |
| Loan and lease loss provision to assets | 0.0106% | 6,800 |
| Net operating income to assets | 0.4147% | 4,692 |
| Return on assets (ROA) | 0.5779% | 4,103 |
| Pretax return on assets | 0.6204% | 4,501 |
| Return on Equity (ROE) | 6.3324% | 3,629 |
| Retained earnings to average equity (ytd only) | 4.8755% | 2,971 |
| Net charge-offs to loans | 0.4373% | 3,235 |
| Credit loss provision to net charge-offs | 9.6774% | 5,941 |
| Earnings coverage of net charge-offs (x) | 4.1452% | 3,039 |
| Efficiency ratio | 85.8558% | 1,726 |
| Assets per employee ($millions) | 2.7941% | 6,581 |
| Cash dividends to net income (ytd only)* | 23.0061% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7352% | 1,053 |
| Loan loss allowance to noncurrent loans | 102.5606% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 5,793 |
| Noncurrent loans to loans | 2.6670% | 2,973 |
| Net loans and leases to total assets | 24.8332% | 7,627 |
| Net loans and leases to deposits | 29.4728% | 7,647 |
| Net loans and leases to core deposits | 31.2833% | 7,638 |
| Total domestic deposits to total assets | 84.2582% | 3,982 |
| Equity capital to assets | 9.6741% | 4,433 |
| Core capital (leverage) ratio | 8.7674% | 4,978 |
| Tier 1 risk-based capital ratio | 24.7870% | 861 |
| Total risk-based capital ratio | 26.0637% | 845 |
| Memoranda: | ||
| Average total assets | $112,822,330 | 4,735 |
| Average earning assets | $104,516,670 | 4,679 |
| Average equity | $10,296,330 | 5,118 |
| Average total loans | $28,353,330 | 6,613 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4180% | 7,730 |
| Cost of funding earning assets | 0.8987% | 6,777 |
| Net interest margin | 2.5193% | 7,458 |
| Noninterest income to average assets | 0.7495% | 2,306 |
| Noninterest expense to average assets | 2.7817% | 4,554 |
| Loan and lease loss provision to assets | 0.0070% | 6,525 |
| Net operating income to assets | 0.2510% | 5,490 |
| Return on assets (ROA) | 0.2510% | 5,612 |
| Pretax return on assets | 0.2963% | 5,614 |
| Return on Equity (ROE) | 2.8309% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.8309% | 4,436 |
| Net charge-offs to loans | 0.8246% | 1,881 |
| Credit loss provision to net charge-offs | 3.3898% | 5,100 |
| Earnings coverage of net charge-offs (x) | 1.4746% | 3,852 |
| Efficiency ratio | 90.1695% | 1,426 |
| Assets per employee ($millions) | 2.6196% | 7,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6921% | 1,090 |
| Loan loss allowance to noncurrent loans | 99.6068% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 5,784 |
| Noncurrent loans to loans | 2.7027% | 2,965 |
| Net loans and leases to total assets | 24.9686% | 7,718 |
| Net loans and leases to deposits | 31.2914% | 7,708 |
| Net loans and leases to core deposits | 34.0481% | 7,683 |
| Total domestic deposits to total assets | 79.7940% | 5,859 |
| Equity capital to assets | 9.3145% | 4,810 |
| Core capital (leverage) ratio | 8.5826% | 5,233 |
| Tier 1 risk-based capital ratio | 24.6524% | 902 |
| Total risk-based capital ratio | 25.9225% | 873 |
| Memoranda: | ||
| Average total assets | $114,748,000 | 4,749 |
| Average earning assets | $106,379,000 | 4,687 |
| Average equity | $10,173,500 | 5,188 |
| Average total loans | $28,619,000 | 6,683 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 7,697 |
| Cost of funding earning assets | 1.1948% | 6,675 |
| Net interest margin | 2.7994% | 7,064 |
| Noninterest income to average assets | 0.9704% | 1,665 |
| Noninterest expense to average assets | 2.9698% | 4,264 |
| Loan and lease loss provision to assets | 0.1954% | 5,780 |
| Net operating income to assets | 0.4103% | 4,087 |
| Return on assets (ROA) | 0.4103% | 4,195 |
| Pretax return on assets | 0.4298% | 4,397 |
| Return on Equity (ROE) | 4.3832% | 3,934 |
| Retained earnings to average equity (ytd only) | 0.4870% | 4,634 |
| Net charge-offs to loans | 0.1355% | 5,851 |
| Credit loss provision to net charge-offs | 446.8085% | 696 |
| Earnings coverage of net charge-offs (x) | 14.2979% | 1,382 |
| Efficiency ratio | 82.6087% | 2,535 |
| Assets per employee ($millions) | 3.1441% | 5,878 |
| Cash dividends to net income (ytd only)* | 88.8889% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8166% | 916 |
| Loan loss allowance to noncurrent loans | 114.7472% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 5,973 |
| Noncurrent loans to loans | 2.4546% | 3,096 |
| Net loans and leases to total assets | 23.5951% | 7,816 |
| Net loans and leases to deposits | 30.7225% | 7,800 |
| Net loans and leases to core deposits | 36.5250% | 7,806 |
| Total domestic deposits to total assets | 76.8008% | 6,530 |
| Equity capital to assets | 8.4529% | 5,964 |
| Core capital (leverage) ratio | 9.3772% | 3,863 |
| Tier 1 risk-based capital ratio | 23.7851% | 969 |
| Total risk-based capital ratio | 25.0448% | 949 |
| Memoranda: | ||
| Average total assets | $107,482,800 | 4,891 |
| Average earning assets | $100,771,200 | 4,823 |
| Average equity | $10,061,200 | 5,283 |
| Average total loans | $34,681,800 | 6,366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 7,704 |
| Cost of funding earning assets | 1.2792% | 6,622 |
| Net interest margin | 2.9563% | 6,719 |
| Noninterest income to average assets | 0.9673% | 1,713 |
| Noninterest expense to average assets | 3.0460% | 3,854 |
| Loan and lease loss provision to assets | 0.2463% | 4,984 |
| Net operating income to assets | 0.4262% | 4,295 |
| Return on assets (ROA) | 0.4262% | 4,400 |
| Pretax return on assets | 0.4530% | 4,656 |
| Return on Equity (ROE) | 4.4303% | 4,199 |
| Retained earnings to average equity (ytd only) | -0.7693% | 5,425 |
| Net charge-offs to loans | 0.1625% | 5,091 |
| Credit loss provision to net charge-offs | 438.6364% | 904 |
| Earnings coverage of net charge-offs (x) | 12.4536% | 1,760 |
| Efficiency ratio | 81.3288% | 2,673 |
| Assets per employee ($millions) | 2.6198% | 7,012 |
| Cash dividends to net income (ytd only)* | 117.3650% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7023% | 882 |
| Loan loss allowance to noncurrent loans | 154.1267% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 6,153 |
| Noncurrent loans to loans | 1.7533% | 3,986 |
| Net loans and leases to total assets | 29.0418% | 7,825 |
| Net loans and leases to deposits | 35.1181% | 7,842 |
| Net loans and leases to core deposits | 42.3656% | 7,820 |
| Total domestic deposits to total assets | 82.6977% | 4,363 |
| Equity capital to assets | 10.1765% | 3,871 |
| Core capital (leverage) ratio | 9.2611% | 4,247 |
| Tier 1 risk-based capital ratio | 24.7200% | 923 |
| Total risk-based capital ratio | 25.9812% | 900 |
| Memoranda: | ||
| Average total assets | $104,485,000 | 5,005 |
| Average earning assets | $98,182,500 | 4,917 |
| Average equity | $10,051,750 | 5,322 |
| Average total loans | $36,100,500 | 6,340 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 7,716 |
| Cost of funding earning assets | 1.3292% | 6,707 |
| Net interest margin | 3.0602% | 6,364 |
| Noninterest income to average assets | 0.9422% | 1,789 |
| Noninterest expense to average assets | 3.0265% | 3,977 |
| Loan and lease loss provision to assets | 0.3298% | 3,958 |
| Net operating income to assets | 0.4316% | 4,372 |
| Return on assets (ROA) | 0.4316% | 4,485 |
| Pretax return on assets | 0.4711% | 4,715 |
| Return on Equity (ROE) | 4.5684% | 4,273 |
| Retained earnings to average equity (ytd only) | -2.4538% | 5,851 |
| Net charge-offs to loans | 0.1308% | 4,861 |
| Credit loss provision to net charge-offs | 700.0000% | 671 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,502 |
| Efficiency ratio | 79.0743% | 3,182 |
| Assets per employee ($millions) | 2.7072% | 6,810 |
| Cash dividends to net income (ytd only)* | 153.7118% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2765% | 1,131 |
| Loan loss allowance to noncurrent loans | 124.0741% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 5,837 |
| Noncurrent loans to loans | 1.8348% | 3,757 |
| Net loans and leases to total assets | 33.5495% | 7,791 |
| Net loans and leases to deposits | 39.4820% | 7,831 |
| Net loans and leases to core deposits | 49.2761% | 7,772 |
| Total domestic deposits to total assets | 84.9740% | 3,276 |
| Equity capital to assets | 9.6156% | 4,471 |
| Core capital (leverage) ratio | 9.0303% | 4,579 |
| Tier 1 risk-based capital ratio | 22.0036% | 1,255 |
| Total risk-based capital ratio | 23.2137% | 1,235 |
| Memoranda: | ||
| Average total assets | $106,129,000 | 4,989 |
| Average earning assets | $100,057,330 | 4,890 |
| Average equity | $10,025,330 | 5,353 |
| Average total loans | $38,229,000 | 6,284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 7,539 |
| Cost of funding earning assets | 1.4165% | 6,676 |
| Net interest margin | 3.2618% | 5,653 |
| Noninterest income to average assets | 0.8612% | 2,028 |
| Noninterest expense to average assets | 2.8880% | 4,196 |
| Loan and lease loss provision to assets | 0.2376% | 4,081 |
| Net operating income to assets | 0.7350% | 3,412 |
| Return on assets (ROA) | 0.7350% | 3,600 |
| Pretax return on assets | 0.8129% | 4,033 |
| Return on Equity (ROE) | 7.8478% | 3,219 |
| Retained earnings to average equity (ytd only) | -6.1038% | 6,697 |
| Net charge-offs to loans | 0.2016% | 3,428 |
| Credit loss provision to net charge-offs | 320.0000% | 1,538 |
| Earnings coverage of net charge-offs (x) | 14.1500% | 1,690 |
| Efficiency ratio | 73.3270% | 3,944 |
| Assets per employee ($millions) | 2.4976% | 7,282 |
| Cash dividends to net income (ytd only)* | 177.7778% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 1,862 |
| Loan loss allowance to noncurrent loans | 413.0178% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 7,022 |
| Noncurrent loans to loans | 0.4347% | 6,336 |
| Net loans and leases to total assets | 39.1920% | 7,604 |
| Net loans and leases to deposits | 45.2375% | 7,686 |
| Net loans and leases to core deposits | 54.9819% | 7,651 |
| Total domestic deposits to total assets | 86.6362% | 2,389 |
| Equity capital to assets | 10.2561% | 3,703 |
| Core capital (leverage) ratio | 8.7251% | 5,110 |
| Tier 1 risk-based capital ratio | 20.1591% | 1,597 |
| Total risk-based capital ratio | 21.4116% | 1,550 |
| Memoranda: | ||
| Average total assets | $107,756,000 | 4,961 |
| Average earning assets | $101,662,500 | 4,870 |
| Average equity | $10,092,000 | 5,358 |
| Average total loans | $39,684,500 | 6,252 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 7,644 |
| Cost of funding earning assets | 1.9397% | 6,616 |
| Net interest margin | 3.3137% | 5,987 |
| Noninterest income to average assets | 0.9910% | 1,604 |
| Noninterest expense to average assets | 2.9552% | 4,241 |
| Loan and lease loss provision to assets | 0.1455% | 5,496 |
| Net operating income to assets | 0.9854% | 2,610 |
| Return on assets (ROA) | 0.9854% | 2,492 |
| Pretax return on assets | 1.0279% | 3,275 |
| Return on Equity (ROE) | 11.0114% | 1,902 |
| Retained earnings to average equity (ytd only) | 9.9768% | 451 |
| Net charge-offs to loans | 0.0731% | 5,716 |
| Credit loss provision to net charge-offs | 513.3333% | 851 |
| Earnings coverage of net charge-offs (x) | 41.4000% | 890 |
| Efficiency ratio | 71.5789% | 4,015 |
| Assets per employee ($millions) | 2.8807% | 6,367 |
| Cash dividends to net income (ytd only)* | 9.3960% | 4,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 2,180 |
| Loan loss allowance to noncurrent loans | 351.6129% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 6,943 |
| Noncurrent loans to loans | 0.4593% | 5,970 |
| Net loans and leases to total assets | 33.7338% | 7,900 |
| Net loans and leases to deposits | 37.4437% | 7,989 |
| Net loans and leases to core deposits | 45.3709% | 7,976 |
| Total domestic deposits to total assets | 90.0920% | 615 |
| Equity capital to assets | 8.6312% | 5,889 |
| Core capital (leverage) ratio | 9.1553% | 4,516 |
| Tier 1 risk-based capital ratio | 17.8602% | 2,073 |
| Total risk-based capital ratio | 19.0890% | 2,021 |
| Memoranda: | ||
| Average total assets | $105,848,000 | 4,881 |
| Average earning assets | $100,220,600 | 4,799 |
| Average equity | $9,472,000 | 5,577 |
| Average total loans | $41,042,600 | 6,120 |