Home > The Portage County Bank > Performance and Condition Ratios
The Portage County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 3,540 |
| Cost of funding earning assets | 1.3343% | 2,415 |
| Net interest margin | 2.9099% | 3,460 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.4088% | 2,564 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6181% | 3,394 |
| Return on assets (ROA) | 0.6181% | 3,382 |
| Pretax return on assets | 0.6181% | 3,605 |
| Return on Equity (ROE) | 6.1800% | 3,484 |
| Retained earnings to average equity (ytd only) | 0.4624% | 3,959 |
| Net charge-offs to loans | -0.0051% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.0119% | 1,162 |
| Assets per employee ($millions) | 6.0007% | 2,826 |
| Cash dividends to net income (ytd only)* | 92.5212% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,184 |
| Loan loss allowance to noncurrent loans | 100.6119% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 1,090 |
| Noncurrent loans to loans | 1.0203% | 724 |
| Net loans and leases to total assets | 49.9800% | 3,591 |
| Net loans and leases to deposits | 59.1493% | 3,575 |
| Net loans and leases to core deposits | 62.1464% | 3,674 |
| Total domestic deposits to total assets | 84.5000% | 2,468 |
| Equity capital to assets | 9.4795% | 2,361 |
| Core capital (leverage) ratio | 9.5404% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $209,853,000 | 2,917 |
| Average earning assets | $199,729,400 | 2,875 |
| Average equity | $20,976,200 | 2,775 |
| Average total loans | $118,238,800 | 2,972 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,672 |
| Cost of funding earning assets | 1.2615% | 2,251 |
| Net interest margin | 2.8340% | 3,670 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5691% | 2,035 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4236% | 3,923 |
| Return on assets (ROA) | 0.4236% | 3,914 |
| Pretax return on assets | 0.4423% | 4,001 |
| Return on Equity (ROE) | 4.1800% | 3,952 |
| Retained earnings to average equity (ytd only) | 0.8143% | 3,985 |
| Net charge-offs to loans | -0.0045% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.6336% | 691 |
| Assets per employee ($millions) | 5.7969% | 2,934 |
| Cash dividends to net income (ytd only)* | 80.5175% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,460 |
| Loan loss allowance to noncurrent loans | 90.5751% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 1,001 |
| Noncurrent loans to loans | 1.0833% | 732 |
| Net loans and leases to total assets | 53.3500% | 3,404 |
| Net loans and leases to deposits | 63.5138% | 3,292 |
| Net loans and leases to core deposits | 66.9585% | 3,380 |
| Total domestic deposits to total assets | 84.0000% | 2,773 |
| Equity capital to assets | 9.8277% | 1,921 |
| Core capital (leverage) ratio | 10.1078% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $206,809,750 | 2,949 |
| Average earning assets | $196,796,000 | 2,900 |
| Average equity | $20,958,500 | 2,764 |
| Average total loans | $119,766,750 | 2,960 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,744 |
| Cost of funding earning assets | 1.1745% | 2,067 |
| Net interest margin | 2.7976% | 3,823 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.5498% | 2,072 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3594% | 4,075 |
| Return on assets (ROA) | 0.3594% | 4,093 |
| Pretax return on assets | 0.3878% | 4,134 |
| Return on Equity (ROE) | 3.5100% | 4,095 |
| Retained earnings to average equity (ytd only) | 0.6980% | 3,960 |
| Net charge-offs to loans | -0.0033% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.9934% | 595 |
| Assets per employee ($millions) | 5.1360% | 3,466 |
| Cash dividends to net income (ytd only)* | 80.1090% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 3,734 |
| Loan loss allowance to noncurrent loans | 92.0857% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 886 |
| Noncurrent loans to loans | 0.9937% | 763 |
| Net loans and leases to total assets | 60.3800% | 2,739 |
| Net loans and leases to deposits | 72.3410% | 2,624 |
| Net loans and leases to core deposits | 76.4228% | 2,735 |
| Total domestic deposits to total assets | 83.4700% | 2,941 |
| Equity capital to assets | 10.4960% | 1,605 |
| Core capital (leverage) ratio | 10.2973% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $204,251,000 | 2,973 |
| Average earning assets | $193,954,000 | 2,938 |
| Average equity | $20,918,333 | 2,781 |
| Average total loans | $121,166,333 | 2,931 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 3,827 |
| Cost of funding earning assets | 1.0508% | 1,881 |
| Net interest margin | 2.7667% | 3,993 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.6321% | 1,869 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.2308% | 4,323 |
| Return on assets (ROA) | 0.2308% | 4,289 |
| Pretax return on assets | 0.2308% | 4,310 |
| Return on Equity (ROE) | 2.2800% | 4,267 |
| Retained earnings to average equity (ytd only) | -3.2781% | 4,253 |
| Net charge-offs to loans | -0.0033% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.0677% | 386 |
| Assets per employee ($millions) | 4.9064% | 3,726 |
| Cash dividends to net income (ytd only)* | 243.6975% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 3,811 |
| Loan loss allowance to noncurrent loans | 534.4660% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 2,808 |
| Noncurrent loans to loans | 0.1715% | 2,623 |
| Net loans and leases to total assets | 59.1700% | 2,755 |
| Net loans and leases to deposits | 68.7630% | 2,717 |
| Net loans and leases to core deposits | 71.8090% | 2,832 |
| Total domestic deposits to total assets | 86.0600% | 2,568 |
| Equity capital to assets | 10.3299% | 1,654 |
| Core capital (leverage) ratio | 10.0518% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $206,224,500 | 2,990 |
| Average earning assets | $196,047,000 | 2,953 |
| Average equity | $20,865,500 | 2,812 |
| Average total loans | $120,715,000 | 2,969 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 3,687 |
| Cost of funding earning assets | 0.2956% | 2,916 |
| Net interest margin | 2.9639% | 3,534 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.3678% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6053% | 3,870 |
| Return on assets (ROA) | 0.6053% | 3,822 |
| Pretax return on assets | 0.6570% | 3,936 |
| Return on Equity (ROE) | 6.0900% | 3,809 |
| Retained earnings to average equity (ytd only) | 5.0711% | 3,019 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.2709% | 985 |
| Assets per employee ($millions) | 5.1533% | 3,557 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 3,789 |
| Loan loss allowance to noncurrent loans | 764.0845% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,126 |
| Noncurrent loans to loans | 0.1171% | 2,942 |
| Net loans and leases to total assets | 56.8900% | 2,930 |
| Net loans and leases to deposits | 65.6736% | 2,911 |
| Net loans and leases to core deposits | 67.8997% | 3,016 |
| Total domestic deposits to total assets | 86.6300% | 2,521 |
| Equity capital to assets | 9.9160% | 1,749 |
| Core capital (leverage) ratio | 9.9062% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $205,171,200 | 3,010 |
| Average earning assets | $194,543,800 | 2,973 |
| Average equity | $20,409,800 | 2,915 |
| Average total loans | $115,375,000 | 2,973 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1252% | 3,612 |
| Cost of funding earning assets | 0.2203% | 3,037 |
| Net interest margin | 2.9049% | 3,490 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.3760% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5748% | 3,899 |
| Return on assets (ROA) | 0.5748% | 3,850 |
| Pretax return on assets | 0.6082% | 3,970 |
| Return on Equity (ROE) | 5.7700% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.9848% | 3,109 |
| Net charge-offs to loans | 0.0012% | 2,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 929.0000% | 168 |
| Efficiency ratio | 77.6876% | 940 |
| Assets per employee ($millions) | 4.8204% | 3,829 |
| Cash dividends to net income (ytd only)* | 13.6674% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 3,901 |
| Loan loss allowance to noncurrent loans | 706.5789% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,157 |
| Noncurrent loans to loans | 0.1253% | 3,014 |
| Net loans and leases to total assets | 58.0300% | 2,693 |
| Net loans and leases to deposits | 68.1754% | 2,523 |
| Net loans and leases to core deposits | 69.7384% | 2,658 |
| Total domestic deposits to total assets | 85.1100% | 3,260 |
| Equity capital to assets | 9.9741% | 1,641 |
| Core capital (leverage) ratio | 9.8042% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4554% | 1,888 |
| Memoranda: | ||
| Average total assets | $203,642,750 | 3,044 |
| Average earning assets | $193,094,000 | 3,003 |
| Average equity | $20,274,500 | 2,971 |
| Average total loans | $113,895,750 | 2,997 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0058% | 3,545 |
| Cost of funding earning assets | 0.1222% | 3,936 |
| Net interest margin | 2.8836% | 3,210 |
| Noninterest income to average assets | 0.2282% | 3,823 |
| Noninterest expense to average assets | 2.3850% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5315% | 3,818 |
| Return on assets (ROA) | 0.5315% | 3,770 |
| Pretax return on assets | 0.5711% | 3,869 |
| Return on Equity (ROE) | 5.3422% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.9252% | 2,734 |
| Net charge-offs to loans | 0.0036% | 1,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 419 |
| Efficiency ratio | 78.7099% | 1,037 |
| Assets per employee ($millions) | 5.0025% | 3,678 |
| Cash dividends to net income (ytd only)* | 7.8067% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 3,936 |
| Loan loss allowance to noncurrent loans | 539.1960% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 3,031 |
| Noncurrent loans to loans | 0.1679% | 2,853 |
| Net loans and leases to total assets | 57.2690% | 2,604 |
| Net loans and leases to deposits | 70.1013% | 2,189 |
| Net loans and leases to core deposits | 71.5323% | 2,375 |
| Total domestic deposits to total assets | 81.6947% | 4,051 |
| Equity capital to assets | 9.9520% | 1,738 |
| Core capital (leverage) ratio | 9.8691% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4802% | 1,304 |
| Memoranda: | ||
| Average total assets | $202,431,667 | 3,080 |
| Average earning assets | $191,494,667 | 3,051 |
| Average equity | $20,141,333 | 3,056 |
| Average total loans | $111,412,000 | 3,048 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9093% | 3,509 |
| Cost of funding earning assets | 0.1136% | 3,965 |
| Net interest margin | 2.7957% | 3,155 |
| Noninterest income to average assets | 0.1969% | 3,980 |
| Noninterest expense to average assets | 2.4406% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3998% | 3,952 |
| Return on assets (ROA) | 0.3998% | 3,917 |
| Pretax return on assets | 0.3998% | 4,033 |
| Return on Equity (ROE) | 4.0188% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.5989% | 3,072 |
| Net charge-offs to loans | 0.0074% | 1,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 672 |
| Efficiency ratio | 83.8936% | 861 |
| Assets per employee ($millions) | 4.9899% | 3,763 |
| Cash dividends to net income (ytd only)* | 10.4478% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,705 |
| Loan loss allowance to noncurrent loans | 838.2813% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,415 |
| Noncurrent loans to loans | 0.1199% | 3,223 |
| Net loans and leases to total assets | 52.9410% | 2,888 |
| Net loans and leases to deposits | 60.5958% | 2,843 |
| Net loans and leases to core deposits | 61.6735% | 3,004 |
| Total domestic deposits to total assets | 87.3674% | 2,792 |
| Equity capital to assets | 10.0684% | 1,842 |
| Core capital (leverage) ratio | 9.8415% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0440% | 1,503 |
| Memoranda: | ||
| Average total assets | $201,095,500 | 3,093 |
| Average earning assets | $190,146,000 | 3,080 |
| Average equity | $20,006,000 | 3,148 |
| Average total loans | $107,851,000 | 3,086 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 3,025 |
| Cost of funding earning assets | 0.1702% | 3,772 |
| Net interest margin | 3.1907% | 2,621 |
| Noninterest income to average assets | 0.2040% | 4,145 |
| Noninterest expense to average assets | 2.3787% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7458% | 3,503 |
| Return on assets (ROA) | 0.7458% | 3,566 |
| Pretax return on assets | 0.8353% | 3,654 |
| Return on Equity (ROE) | 7.3429% | 3,426 |
| Retained earnings to average equity (ytd only) | 5.5046% | 2,565 |
| Net charge-offs to loans | -0.0018% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1074% | 1,502 |
| Assets per employee ($millions) | 5.1948% | 3,561 |
| Cash dividends to net income (ytd only)* | 25.0351% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 3,802 |
| Loan loss allowance to noncurrent loans | 839.8438% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,536 |
| Noncurrent loans to loans | 0.1175% | 3,346 |
| Net loans and leases to total assets | 53.2520% | 2,940 |
| Net loans and leases to deposits | 60.8085% | 3,005 |
| Net loans and leases to core deposits | 61.8703% | 3,176 |
| Total domestic deposits to total assets | 87.5734% | 2,247 |
| Equity capital to assets | 9.8304% | 2,822 |
| Core capital (leverage) ratio | 9.5967% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8577% | 1,565 |
| Memoranda: | ||
| Average total assets | $191,194,000 | 3,124 |
| Average earning assets | $180,370,000 | 3,089 |
| Average equity | $19,420,200 | 3,261 |
| Average total loans | $110,977,200 | 3,064 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 2,867 |
| Cost of funding earning assets | 0.1794% | 3,828 |
| Net interest margin | 3.3079% | 2,397 |
| Noninterest income to average assets | 0.2095% | 4,148 |
| Noninterest expense to average assets | 2.4480% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7872% | 3,559 |
| Return on assets (ROA) | 0.7872% | 3,624 |
| Pretax return on assets | 0.8806% | 3,736 |
| Return on Equity (ROE) | 7.6835% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,899 |
| Net charge-offs to loans | -0.0024% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6716% | 1,435 |
| Assets per employee ($millions) | 5.0923% | 3,613 |
| Cash dividends to net income (ytd only)* | 24.0108% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,929 |
| Loan loss allowance to noncurrent loans | 784.6715% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,642 |
| Noncurrent loans to loans | 0.1243% | 3,475 |
| Net loans and leases to total assets | 54.9705% | 2,854 |
| Net loans and leases to deposits | 62.8437% | 2,968 |
| Net loans and leases to core deposits | 63.8638% | 3,154 |
| Total domestic deposits to total assets | 87.4719% | 2,119 |
| Equity capital to assets | 9.9154% | 2,985 |
| Core capital (leverage) ratio | 10.2296% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8701% | 1,159 |
| Memoranda: | ||
| Average total assets | $188,343,250 | 3,176 |
| Average earning assets | $177,590,750 | 3,149 |
| Average equity | $19,296,250 | 3,314 |
| Average total loans | $111,481,000 | 3,096 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 2,367 |
| Cost of funding earning assets | 0.2022% | 3,731 |
| Net interest margin | 3.4874% | 1,892 |
| Noninterest income to average assets | 0.2260% | 4,045 |
| Noninterest expense to average assets | 2.4853% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9215% | 3,158 |
| Return on assets (ROA) | 0.9215% | 3,235 |
| Pretax return on assets | 1.0242% | 3,388 |
| Return on Equity (ROE) | 8.8915% | 3,132 |
| Retained earnings to average equity (ytd only) | 6.8774% | 2,475 |
| Net charge-offs to loans | -0.0018% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9985% | 1,760 |
| Assets per employee ($millions) | 4.4559% | 4,132 |
| Cash dividends to net income (ytd only)* | 22.6526% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,956 |
| Loan loss allowance to noncurrent loans | 756.3380% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,690 |
| Noncurrent loans to loans | 0.1273% | 3,551 |
| Net loans and leases to total assets | 60.4867% | 2,363 |
| Net loans and leases to deposits | 69.9244% | 2,417 |
| Net loans and leases to core deposits | 71.1732% | 2,674 |
| Total domestic deposits to total assets | 86.5030% | 2,550 |
| Equity capital to assets | 10.6769% | 2,242 |
| Core capital (leverage) ratio | 10.2312% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6393% | 1,201 |
| Memoranda: | ||
| Average total assets | $184,924,000 | 3,214 |
| Average earning assets | $174,114,333 | 3,181 |
| Average equity | $19,164,333 | 3,322 |
| Average total loans | $111,892,333 | 3,100 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4481% | 3,068 |
| Cost of funding earning assets | 0.2192% | 3,729 |
| Net interest margin | 3.2289% | 2,610 |
| Noninterest income to average assets | 0.1656% | 4,375 |
| Noninterest expense to average assets | 2.3027% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8579% | 3,243 |
| Return on assets (ROA) | 0.8579% | 3,327 |
| Pretax return on assets | 0.9030% | 3,589 |
| Return on Equity (ROE) | 8.4029% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.1705% | 2,837 |
| Net charge-offs to loans | 0.0036% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 222 |
| Efficiency ratio | 69.8860% | 1,718 |
| Assets per employee ($millions) | 4.5935% | 4,022 |
| Cash dividends to net income (ytd only)* | 26.5664% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,977 |
| Loan loss allowance to noncurrent loans | 623.2558% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,735 |
| Noncurrent loans to loans | 0.1549% | 3,557 |
| Net loans and leases to total assets | 58.3922% | 2,757 |
| Net loans and leases to deposits | 66.6640% | 2,841 |
| Net loans and leases to core deposits | 72.9138% | 2,622 |
| Total domestic deposits to total assets | 87.5918% | 2,049 |
| Equity capital to assets | 10.1627% | 2,547 |
| Core capital (leverage) ratio | 10.1224% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2181% | 1,238 |
| Memoranda: | ||
| Average total assets | $186,039,500 | 3,191 |
| Average earning assets | $175,167,000 | 3,162 |
| Average equity | $18,993,500 | 3,332 |
| Average total loans | $112,049,000 | 3,098 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 2,488 |
| Cost of funding earning assets | 0.4715% | 3,142 |
| Net interest margin | 3.6061% | 2,125 |
| Noninterest income to average assets | 0.2124% | 4,216 |
| Noninterest expense to average assets | 2.6666% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8684% | 2,832 |
| Return on assets (ROA) | 0.8684% | 2,967 |
| Pretax return on assets | 0.9467% | 3,229 |
| Return on Equity (ROE) | 8.2151% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.9938% | 3,826 |
| Net charge-offs to loans | 0.0036% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 269 |
| Efficiency ratio | 71.9744% | 1,686 |
| Assets per employee ($millions) | 4.4816% | 3,930 |
| Cash dividends to net income (ytd only)* | 75.7300% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 4,046 |
| Loan loss allowance to noncurrent loans | 525.9804% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 3,741 |
| Noncurrent loans to loans | 0.1804% | 3,569 |
| Net loans and leases to total assets | 60.9435% | 2,739 |
| Net loans and leases to deposits | 69.6909% | 2,914 |
| Net loans and leases to core deposits | 77.1053% | 2,629 |
| Total domestic deposits to total assets | 87.4483% | 1,726 |
| Equity capital to assets | 10.2572% | 2,878 |
| Core capital (leverage) ratio | 9.9245% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,456,600 | 3,122 |
| Average earning assets | $167,355,800 | 3,096 |
| Average equity | $18,758,200 | 3,301 |
| Average total loans | $111,888,400 | 3,070 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 2,239 |
| Cost of funding earning assets | 0.5252% | 3,080 |
| Net interest margin | 3.7293% | 1,843 |
| Noninterest income to average assets | 0.2100% | 4,220 |
| Noninterest expense to average assets | 2.6941% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9605% | 2,487 |
| Return on assets (ROA) | 0.9605% | 2,620 |
| Pretax return on assets | 1.0363% | 2,947 |
| Return on Equity (ROE) | 9.0163% | 2,389 |
| Retained earnings to average equity (ytd only) | 1.2809% | 4,156 |
| Net charge-offs to loans | 0.0048% | 2,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 341.7500% | 323 |
| Efficiency ratio | 70.4328% | 1,826 |
| Assets per employee ($millions) | 4.6029% | 3,722 |
| Cash dividends to net income (ytd only)* | 85.7932% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,004 |
| Loan loss allowance to noncurrent loans | 894.1667% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 4,115 |
| Noncurrent loans to loans | 0.1029% | 3,956 |
| Net loans and leases to total assets | 62.7365% | 2,917 |
| Net loans and leases to deposits | 71.6520% | 3,166 |
| Net loans and leases to core deposits | 84.8980% | 2,392 |
| Total domestic deposits to total assets | 87.5573% | 1,414 |
| Equity capital to assets | 10.1311% | 3,113 |
| Core capital (leverage) ratio | 10.0739% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1592% | 1,460 |
| Memoranda: | ||
| Average total assets | $175,884,750 | 3,128 |
| Average earning assets | $166,030,750 | 3,095 |
| Average equity | $18,736,000 | 3,303 |
| Average total loans | $111,597,250 | 3,087 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 2,039 |
| Cost of funding earning assets | 0.5801% | 3,084 |
| Net interest margin | 3.8786% | 1,622 |
| Noninterest income to average assets | 0.2125% | 4,217 |
| Noninterest expense to average assets | 2.8613% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9564% | 2,471 |
| Return on assets (ROA) | 0.9564% | 2,600 |
| Pretax return on assets | 1.0200% | 2,972 |
| Return on Equity (ROE) | 8.8256% | 2,437 |
| Retained earnings to average equity (ytd only) | 7.1628% | 1,590 |
| Net charge-offs to loans | 0.0018% | 2,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 883.0000% | 105 |
| Efficiency ratio | 71.9643% | 1,687 |
| Assets per employee ($millions) | 4.2996% | 4,000 |
| Cash dividends to net income (ytd only)* | 18.8406% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 3,878 |
| Loan loss allowance to noncurrent loans | 1,236.7816% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,289 |
| Noncurrent loans to loans | 0.0752% | 4,157 |
| Net loans and leases to total assets | 63.4404% | 2,943 |
| Net loans and leases to deposits | 72.8622% | 3,174 |
| Net loans and leases to core deposits | 95.2643% | 1,638 |
| Total domestic deposits to total assets | 87.0690% | 1,589 |
| Equity capital to assets | 10.6018% | 2,661 |
| Core capital (leverage) ratio | 10.6373% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9603% | 1,254 |
| Memoranda: | ||
| Average total assets | $173,141,000 | 3,137 |
| Average earning assets | $163,769,333 | 3,103 |
| Average equity | $18,763,667 | 3,291 |
| Average total loans | $109,936,000 | 3,102 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 3,177 |
| Cost of funding earning assets | 0.6299% | 3,274 |
| Net interest margin | 3.5819% | 2,727 |
| Noninterest income to average assets | 0.2078% | 4,303 |
| Noninterest expense to average assets | 2.8521% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7390% | 3,140 |
| Return on assets (ROA) | 0.7390% | 3,219 |
| Pretax return on assets | 0.7390% | 3,569 |
| Return on Equity (ROE) | 6.7410% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.3073% | 2,574 |
| Net charge-offs to loans | -0.0037% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5148% | 1,397 |
| Assets per employee ($millions) | 3.7545% | 4,216 |
| Cash dividends to net income (ytd only)* | 36.1022% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,666 |
| Loan loss allowance to noncurrent loans | 1,146.8085% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,299 |
| Noncurrent loans to loans | 0.0879% | 4,159 |
| Net loans and leases to total assets | 65.5815% | 2,864 |
| Net loans and leases to deposits | 74.2858% | 3,241 |
| Net loans and leases to core deposits | 100.0614% | 1,463 |
| Total domestic deposits to total assets | 88.2827% | 983 |
| Equity capital to assets | 11.5662% | 2,381 |
| Core capital (leverage) ratio | 10.7394% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5686% | 1,220 |
| Memoranda: | ||
| Average total assets | $169,420,500 | 3,143 |
| Average earning assets | $160,028,500 | 3,109 |
| Average equity | $18,573,000 | 3,311 |
| Average total loans | $107,085,000 | 3,118 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 3,447 |
| Cost of funding earning assets | 0.6362% | 3,476 |
| Net interest margin | 3.6967% | 2,823 |
| Noninterest income to average assets | 0.2754% | 4,032 |
| Noninterest expense to average assets | 3.0157% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7192% | 3,803 |
| Return on assets (ROA) | 0.7283% | 3,842 |
| Pretax return on assets | 0.7283% | 4,140 |
| Return on Equity (ROE) | 6.5611% | 3,722 |
| Retained earnings to average equity (ytd only) | 1.6158% | 4,157 |
| Net charge-offs to loans | -0.0029% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8521% | 1,051 |
| Assets per employee ($millions) | 3.8564% | 4,089 |
| Cash dividends to net income (ytd only)* | 75.3731% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,479 |
| Loan loss allowance to noncurrent loans | 664.8148% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,176 |
| Noncurrent loans to loans | 0.1511% | 3,922 |
| Net loans and leases to total assets | 59.8305% | 3,599 |
| Net loans and leases to deposits | 66.8731% | 3,904 |
| Net loans and leases to core deposits | 89.9375% | 2,436 |
| Total domestic deposits to total assets | 89.4688% | 501 |
| Equity capital to assets | 10.4134% | 3,528 |
| Core capital (leverage) ratio | 10.6754% | 2,786 |
| Tier 1 risk-based capital ratio | 16.1525% | 2,351 |
| Total risk-based capital ratio | 17.1306% | 2,388 |
| Memoranda: | ||
| Average total assets | $165,601,800 | 3,149 |
| Average earning assets | $154,977,200 | 3,137 |
| Average equity | $18,381,000 | 3,301 |
| Average total loans | $103,591,000 | 3,179 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 3,385 |
| Cost of funding earning assets | 0.6400% | 3,502 |
| Net interest margin | 3.7512% | 2,745 |
| Noninterest income to average assets | 0.3238% | 3,810 |
| Noninterest expense to average assets | 3.0641% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7574% | 3,828 |
| Return on assets (ROA) | 0.7599% | 3,880 |
| Pretax return on assets | 0.7599% | 4,215 |
| Return on Equity (ROE) | 6.7326% | 3,799 |
| Retained earnings to average equity (ytd only) | 0.9369% | 4,581 |
| Net charge-offs to loans | -0.0026% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2926% | 1,069 |
| Assets per employee ($millions) | 3.5260% | 4,475 |
| Cash dividends to net income (ytd only)* | 86.0838% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,295 |
| Loan loss allowance to noncurrent loans | 450.2092% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 3,187 |
| Noncurrent loans to loans | 0.2329% | 3,708 |
| Net loans and leases to total assets | 62.6056% | 3,430 |
| Net loans and leases to deposits | 70.7350% | 3,711 |
| Net loans and leases to core deposits | 98.4669% | 1,786 |
| Total domestic deposits to total assets | 88.5073% | 824 |
| Equity capital to assets | 11.2856% | 2,845 |
| Core capital (leverage) ratio | 11.1564% | 2,510 |
| Tier 1 risk-based capital ratio | 16.5239% | 2,260 |
| Total risk-based capital ratio | 17.5348% | 2,268 |
| Memoranda: | ||
| Average total assets | $162,653,250 | 3,215 |
| Average earning assets | $151,662,750 | 3,197 |
| Average equity | $18,358,000 | 3,315 |
| Average total loans | $102,685,250 | 3,229 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 3,447 |
| Cost of funding earning assets | 0.6477% | 3,424 |
| Net interest margin | 3.7153% | 2,887 |
| Noninterest income to average assets | 0.3599% | 3,522 |
| Noninterest expense to average assets | 3.1080% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7187% | 3,941 |
| Return on assets (ROA) | 0.7187% | 4,001 |
| Pretax return on assets | 0.7187% | 4,289 |
| Return on Equity (ROE) | 6.3671% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.5930% | 2,980 |
| Net charge-offs to loans | 0.0039% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 292.5000% | 271 |
| Efficiency ratio | 79.3258% | 1,028 |
| Assets per employee ($millions) | 3.3557% | 4,657 |
| Cash dividends to net income (ytd only)* | 27.8632% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,249 |
| Loan loss allowance to noncurrent loans | 382.8571% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 3,028 |
| Noncurrent loans to loans | 0.2789% | 3,535 |
| Net loans and leases to total assets | 62.9639% | 3,455 |
| Net loans and leases to deposits | 71.5137% | 3,722 |
| Net loans and leases to core deposits | 102.5931% | 1,513 |
| Total domestic deposits to total assets | 88.0446% | 1,087 |
| Equity capital to assets | 11.7919% | 2,351 |
| Core capital (leverage) ratio | 11.2876% | 2,342 |
| Tier 1 risk-based capital ratio | 17.2462% | 2,012 |
| Total risk-based capital ratio | 18.2819% | 2,024 |
| Memoranda: | ||
| Average total assets | $162,805,000 | 3,228 |
| Average earning assets | $151,913,330 | 3,210 |
| Average equity | $18,375,670 | 3,307 |
| Average total loans | $102,706,670 | 3,247 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 3,520 |
| Cost of funding earning assets | 0.6529% | 3,306 |
| Net interest margin | 3.6606% | 3,042 |
| Noninterest income to average assets | 0.2080% | 4,503 |
| Noninterest expense to average assets | 2.9562% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6701% | 4,025 |
| Return on assets (ROA) | 0.6701% | 4,063 |
| Pretax return on assets | 0.6701% | 4,372 |
| Return on Equity (ROE) | 6.0664% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.8764% | 3,366 |
| Net charge-offs to loans | 0.0116% | 2,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 702 |
| Efficiency ratio | 79.5864% | 1,098 |
| Assets per employee ($millions) | 3.4858% | 4,576 |
| Cash dividends to net income (ytd only)* | 36.1011% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,440 |
| Loan loss allowance to noncurrent loans | 347.7273% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,090 |
| Noncurrent loans to loans | 0.3001% | 3,485 |
| Net loans and leases to total assets | 61.9981% | 3,502 |
| Net loans and leases to deposits | 69.9242% | 3,767 |
| Net loans and leases to core deposits | 108.9990% | 983 |
| Total domestic deposits to total assets | 88.6647% | 1,011 |
| Equity capital to assets | 11.2022% | 2,651 |
| Core capital (leverage) ratio | 10.6743% | 2,870 |
| Tier 1 risk-based capital ratio | 16.5253% | 2,254 |
| Total risk-based capital ratio | 17.5322% | 2,288 |
| Memoranda: | ||
| Average total assets | $165,348,000 | 3,231 |
| Average earning assets | $154,399,000 | 3,221 |
| Average equity | $18,264,500 | 3,330 |
| Average total loans | $103,871,000 | 3,256 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 2,578 |
| Cost of funding earning assets | 0.4082% | 3,936 |
| Net interest margin | 4.0526% | 1,813 |
| Noninterest income to average assets | 0.2271% | 4,553 |
| Noninterest expense to average assets | 2.9728% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9521% | 3,219 |
| Return on assets (ROA) | 0.9521% | 3,216 |
| Pretax return on assets | 1.0258% | 3,524 |
| Return on Equity (ROE) | 8.3560% | 3,297 |
| Retained earnings to average equity (ytd only) | 1.2271% | 4,642 |
| Net charge-offs to loans | -0.0233% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5360% | 1,835 |
| Assets per employee ($millions) | 3.5503% | 4,496 |
| Cash dividends to net income (ytd only)* | 85.3151% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,551 |
| Loan loss allowance to noncurrent loans | 343.9103% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,070 |
| Noncurrent loans to loans | 0.2969% | 3,499 |
| Net loans and leases to total assets | 62.3413% | 3,530 |
| Net loans and leases to deposits | 73.5214% | 3,542 |
| Net loans and leases to core deposits | 87.0545% | 2,832 |
| Total domestic deposits to total assets | 84.7934% | 2,734 |
| Equity capital to assets | 10.8928% | 2,798 |
| Core capital (leverage) ratio | 10.8918% | 2,636 |
| Tier 1 risk-based capital ratio | 16.0418% | 2,392 |
| Total risk-based capital ratio | 17.0327% | 2,421 |
| Memoranda: | ||
| Average total assets | $161,634,800 | 3,252 |
| Average earning assets | $150,420,200 | 3,240 |
| Average equity | $18,418,000 | 3,253 |
| Average total loans | $102,810,000 | 3,246 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 2,200 |
| Cost of funding earning assets | 0.3913% | 3,923 |
| Net interest margin | 4.1368% | 1,530 |
| Noninterest income to average assets | 0.2911% | 4,214 |
| Noninterest expense to average assets | 3.0038% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1385% | 2,500 |
| Return on assets (ROA) | 1.1385% | 2,513 |
| Pretax return on assets | 1.1385% | 3,252 |
| Return on Equity (ROE) | 9.8779% | 2,677 |
| Retained earnings to average equity (ytd only) | 7.7060% | 1,791 |
| Net charge-offs to loans | -0.0339% | 4,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7488% | 2,082 |
| Assets per employee ($millions) | 3.3835% | 4,701 |
| Cash dividends to net income (ytd only)* | 21.9866% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,337 |
| Loan loss allowance to noncurrent loans | 367.2355% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 2,984 |
| Noncurrent loans to loans | 0.2921% | 3,635 |
| Net loans and leases to total assets | 62.3944% | 3,614 |
| Net loans and leases to deposits | 71.0251% | 3,845 |
| Net loans and leases to core deposits | 84.5435% | 3,113 |
| Total domestic deposits to total assets | 87.8484% | 1,310 |
| Equity capital to assets | 11.9592% | 1,936 |
| Core capital (leverage) ratio | 11.5474% | 2,140 |
| Tier 1 risk-based capital ratio | 17.6965% | 1,870 |
| Total risk-based capital ratio | 18.7436% | 1,892 |
| Memoranda: | ||
| Average total assets | $160,328,000 | 3,296 |
| Average earning assets | $149,259,250 | 3,278 |
| Average equity | $18,478,500 | 3,261 |
| Average total loans | $102,238,250 | 3,288 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 1,352 |
| Cost of funding earning assets | 0.3572% | 4,028 |
| Net interest margin | 4.4043% | 840 |
| Noninterest income to average assets | 0.2911% | 4,231 |
| Noninterest expense to average assets | 3.0243% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3623% | 1,563 |
| Return on assets (ROA) | 1.3623% | 1,564 |
| Pretax return on assets | 1.3623% | 2,287 |
| Return on Equity (ROE) | 11.9681% | 1,736 |
| Retained earnings to average equity (ytd only) | 9.0936% | 1,182 |
| Net charge-offs to loans | 0.0058% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 365.0000% | 252 |
| Efficiency ratio | 67.2717% | 2,768 |
| Assets per employee ($millions) | 3.3611% | 4,758 |
| Cash dividends to net income (ytd only)* | 24.0183% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,642 |
| Loan loss allowance to noncurrent loans | 297.4432% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 2,729 |
| Noncurrent loans to loans | 0.3465% | 3,456 |
| Net loans and leases to total assets | 63.6400% | 3,436 |
| Net loans and leases to deposits | 72.3480% | 3,681 |
| Net loans and leases to core deposits | 87.4536% | 2,775 |
| Total domestic deposits to total assets | 87.9638% | 1,401 |
| Equity capital to assets | 11.8894% | 1,932 |
| Core capital (leverage) ratio | 11.5080% | 2,070 |
| Tier 1 risk-based capital ratio | 17.1500% | 2,049 |
| Total risk-based capital ratio | 18.1521% | 2,074 |
| Memoranda: | ||
| Average total assets | $160,762,670 | 3,314 |
| Average earning assets | $149,490,000 | 3,300 |
| Average equity | $18,298,670 | 3,301 |
| Average total loans | $102,885,000 | 3,289 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,159 |
| Cost of funding earning assets | 0.3264% | 4,154 |
| Net interest margin | 3.4953% | 3,556 |
| Noninterest income to average assets | 0.2541% | 4,483 |
| Noninterest expense to average assets | 2.9034% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5994% | 4,428 |
| Return on assets (ROA) | 0.5994% | 4,435 |
| Pretax return on assets | 0.5994% | 4,684 |
| Return on Equity (ROE) | 5.3830% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.7405% | 3,289 |
| Net charge-offs to loans | 0.0232% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,060 |
| Efficiency ratio | 80.8451% | 1,058 |
| Assets per employee ($millions) | 3.3952% | 4,798 |
| Cash dividends to net income (ytd only)* | 11.9342% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,003 |
| Loan loss allowance to noncurrent loans | 145.8101% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 2,154 |
| Noncurrent loans to loans | 0.6811% | 2,508 |
| Net loans and leases to total assets | 65.2268% | 3,145 |
| Net loans and leases to deposits | 73.7104% | 3,442 |
| Net loans and leases to core deposits | 92.2895% | 2,275 |
| Total domestic deposits to total assets | 88.4906% | 1,357 |
| Equity capital to assets | 11.3828% | 2,230 |
| Core capital (leverage) ratio | 10.8852% | 2,552 |
| Tier 1 risk-based capital ratio | 16.0705% | 2,435 |
| Total risk-based capital ratio | 17.0420% | 2,506 |
| Memoranda: | ||
| Average total assets | $162,157,500 | 3,329 |
| Average earning assets | $150,717,000 | 3,320 |
| Average equity | $18,057,000 | 3,347 |
| Average total loans | $103,537,000 | 3,295 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 3,497 |
| Cost of funding earning assets | 0.3397% | 3,802 |
| Net interest margin | 3.6342% | 3,047 |
| Noninterest income to average assets | 0.3669% | 3,844 |
| Noninterest expense to average assets | 2.8326% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6225% | 3,924 |
| Return on assets (ROA) | 0.6225% | 3,962 |
| Pretax return on assets | 0.6225% | 4,689 |
| Return on Equity (ROE) | 5.6796% | 3,880 |
| Retained earnings to average equity (ytd only) | 0.8927% | 4,671 |
| Net charge-offs to loans | -0.0010% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9823% | 928 |
| Assets per employee ($millions) | 3.5051% | 4,689 |
| Cash dividends to net income (ytd only)* | 84.2829% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,746 |
| Loan loss allowance to noncurrent loans | 197.3684% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 2,551 |
| Noncurrent loans to loans | 0.5219% | 2,947 |
| Net loans and leases to total assets | 61.2446% | 3,706 |
| Net loans and leases to deposits | 68.8097% | 3,961 |
| Net loans and leases to core deposits | 85.0688% | 2,979 |
| Total domestic deposits to total assets | 89.0058% | 1,004 |
| Equity capital to assets | 10.8959% | 2,734 |
| Core capital (leverage) ratio | 10.5554% | 2,781 |
| Tier 1 risk-based capital ratio | 16.5860% | 2,231 |
| Total risk-based capital ratio | 17.5979% | 2,253 |
| Memoranda: | ||
| Average total assets | $163,525,000 | 3,306 |
| Average earning assets | $138,958,800 | 3,469 |
| Average equity | $17,923,800 | 3,375 |
| Average total loans | $101,803,600 | 3,316 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,274 |
| Cost of funding earning assets | 0.3525% | 3,640 |
| Net interest margin | 3.6691% | 2,869 |
| Noninterest income to average assets | 0.3766% | 3,837 |
| Noninterest expense to average assets | 2.7921% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6282% | 4,287 |
| Return on assets (ROA) | 0.6282% | 4,335 |
| Pretax return on assets | 0.6282% | 4,781 |
| Return on Equity (ROE) | 5.7225% | 4,237 |
| Retained earnings to average equity (ytd only) | 1.2874% | 4,888 |
| Net charge-offs to loans | -0.0013% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6336% | 948 |
| Assets per employee ($millions) | 3.4448% | 4,807 |
| Cash dividends to net income (ytd only)* | 77.5034% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 4,005 |
| Loan loss allowance to noncurrent loans | 136.0104% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 2,318 |
| Noncurrent loans to loans | 0.7415% | 2,506 |
| Net loans and leases to total assets | 63.6544% | 3,458 |
| Net loans and leases to deposits | 71.8105% | 3,793 |
| Net loans and leases to core deposits | 89.2334% | 2,676 |
| Total domestic deposits to total assets | 88.6422% | 1,044 |
| Equity capital to assets | 11.0946% | 2,769 |
| Core capital (leverage) ratio | 10.9379% | 2,517 |
| Tier 1 risk-based capital ratio | 16.6467% | 2,267 |
| Total risk-based capital ratio | 17.6628% | 2,301 |
| Memoranda: | ||
| Average total assets | $163,221,000 | 3,340 |
| Average earning assets | $135,398,250 | 3,546 |
| Average equity | $17,917,250 | 3,406 |
| Average total loans | $101,768,250 | 3,352 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 3,232 |
| Cost of funding earning assets | 0.3633% | 3,445 |
| Net interest margin | 3.6288% | 2,920 |
| Noninterest income to average assets | 0.3752% | 3,873 |
| Noninterest expense to average assets | 2.7741% | 2,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5548% | 4,501 |
| Return on assets (ROA) | 0.5548% | 4,545 |
| Pretax return on assets | 0.5548% | 4,893 |
| Return on Equity (ROE) | 5.0721% | 4,450 |
| Retained earnings to average equity (ytd only) | 1.3406% | 4,717 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 891 |
| Assets per employee ($millions) | 3.2857% | 4,998 |
| Cash dividends to net income (ytd only)* | 73.5683% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 4,059 |
| Loan loss allowance to noncurrent loans | 145.4924% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 2,409 |
| Noncurrent loans to loans | 0.6975% | 2,660 |
| Net loans and leases to total assets | 64.8750% | 3,266 |
| Net loans and leases to deposits | 73.3660% | 3,612 |
| Net loans and leases to core deposits | 95.2025% | 2,054 |
| Total domestic deposits to total assets | 88.4265% | 1,246 |
| Equity capital to assets | 11.3560% | 2,451 |
| Core capital (leverage) ratio | 10.8475% | 2,553 |
| Tier 1 risk-based capital ratio | 16.5935% | 2,283 |
| Total risk-based capital ratio | 17.6100% | 2,317 |
| Memoranda: | ||
| Average total assets | $163,659,000 | 3,355 |
| Average earning assets | $133,210,330 | 3,604 |
| Average equity | $17,902,000 | 3,408 |
| Average total loans | $100,987,330 | 3,381 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,108 |
| Cost of funding earning assets | 0.3731% | 3,276 |
| Net interest margin | 3.6093% | 2,858 |
| Noninterest income to average assets | 0.3721% | 3,869 |
| Noninterest expense to average assets | 2.5757% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6529% | 3,922 |
| Return on assets (ROA) | 0.6529% | 3,958 |
| Pretax return on assets | 0.6529% | 4,588 |
| Return on Equity (ROE) | 6.0789% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.8274% | 2,998 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7770% | 1,406 |
| Assets per employee ($millions) | 3.3630% | 4,972 |
| Cash dividends to net income (ytd only)* | 20.5882% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,969 |
| Loan loss allowance to noncurrent loans | 126.5380% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 2,350 |
| Noncurrent loans to loans | 0.8327% | 2,374 |
| Net loans and leases to total assets | 61.0276% | 3,659 |
| Net loans and leases to deposits | 68.8452% | 3,903 |
| Net loans and leases to core deposits | 88.6649% | 2,481 |
| Total domestic deposits to total assets | 88.6447% | 1,350 |
| Equity capital to assets | 11.1546% | 2,473 |
| Core capital (leverage) ratio | 11.0396% | 2,319 |
| Tier 1 risk-based capital ratio | 18.1306% | 1,823 |
| Total risk-based capital ratio | 19.1868% | 1,859 |
| Memoranda: | ||
| Average total assets | $166,631,500 | 3,348 |
| Average earning assets | $131,882,500 | 3,646 |
| Average equity | $17,898,000 | 3,421 |
| Average total loans | $99,798,000 | 3,422 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3276% | 82 |
| Cost of funding earning assets | 0.5781% | 1,498 |
| Net interest margin | 5.7495% | 77 |
| Noninterest income to average assets | 0.6524% | 2,409 |
| Noninterest expense to average assets | 4.7380% | 310 |
| Loan and lease loss provision to assets | 0.0811% | 2,736 |
| Net operating income to assets | 0.6081% | 4,171 |
| Return on assets (ROA) | 0.6081% | 4,287 |
| Pretax return on assets | 0.6081% | 4,763 |
| Return on Equity (ROE) | 5.8266% | 4,065 |
| Retained earnings to average equity (ytd only) | 2.2600% | 4,245 |
| Net charge-offs to loans | 0.0088% | 3,969 |
| Credit loss provision to net charge-offs | 1,466.6667% | 285 |
| Earnings coverage of net charge-offs (x) | 124.6667% | 487 |
| Efficiency ratio | 87.3005% | 731 |
| Assets per employee ($millions) | 3.5070% | 4,751 |
| Cash dividends to net income (ytd only)* | 61.2121% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,022 |
| Loan loss allowance to noncurrent loans | 122.2611% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 2,458 |
| Noncurrent loans to loans | 0.8577% | 2,389 |
| Net loans and leases to total assets | 57.6032% | 4,108 |
| Net loans and leases to deposits | 64.4646% | 4,370 |
| Net loans and leases to core deposits | 89.6458% | 2,538 |
| Total domestic deposits to total assets | 89.3564% | 923 |
| Equity capital to assets | 10.3526% | 3,325 |
| Core capital (leverage) ratio | 10.4611% | 2,919 |
| Tier 1 risk-based capital ratio | 17.6583% | 1,961 |
| Total risk-based capital ratio | 18.6995% | 1,983 |
| Memoranda: | ||
| Average total assets | $108,527,400 | 4,200 |
| Average earning assets | $90,128,800 | 4,382 |
| Average equity | $11,327,400 | 4,373 |
| Average total loans | $67,965,000 | 4,092 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,740 |
| Cost of funding earning assets | 0.4311% | 2,728 |
| Net interest margin | 3.7041% | 2,704 |
| Noninterest income to average assets | 0.2316% | 5,086 |
| Noninterest expense to average assets | 3.3513% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0561% | 5,677 |
| Return on assets (ROA) | 0.0561% | 5,707 |
| Pretax return on assets | 0.0561% | 5,706 |
| Return on Equity (ROE) | 0.5354% | 5,697 |
| Retained earnings to average equity (ytd only) | -1.0297% | 5,496 |
| Net charge-offs to loans | 0.0156% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.5734% | 3,112 |
| Efficiency ratio | 98.3537% | 253 |
| Assets per employee ($millions) | 4.0188% | 3,935 |
| Cash dividends to net income (ytd only)* | 292.3077% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 1,472 |
| Loan loss allowance to noncurrent loans | 215.7303% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 2,328 |
| Noncurrent loans to loans | 0.7414% | 2,814 |
| Net loans and leases to total assets | 58.7827% | 4,017 |
| Net loans and leases to deposits | 65.2297% | 4,405 |
| Net loans and leases to core deposits | 122.3514% | 445 |
| Total domestic deposits to total assets | 90.1165% | 442 |
| Equity capital to assets | 9.5800% | 4,579 |
| Core capital (leverage) ratio | 10.1685% | 3,362 |
| Tier 1 risk-based capital ratio | 14.3871% | 3,337 |
| Total risk-based capital ratio | 15.6398% | 3,268 |
| Memoranda: | ||
| Average total assets | $92,699,000 | 4,532 |
| Average earning assets | $79,476,750 | 4,636 |
| Average equity | $9,711,750 | 4,676 |
| Average total loans | $59,947,500 | 4,326 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 2,842 |
| Cost of funding earning assets | 0.4101% | 2,938 |
| Net interest margin | 3.6930% | 2,718 |
| Noninterest income to average assets | 0.2464% | 5,009 |
| Noninterest expense to average assets | 3.1074% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3973% | 5,041 |
| Return on assets (ROA) | 0.3973% | 5,120 |
| Pretax return on assets | 0.3973% | 5,348 |
| Return on Equity (ROE) | 3.6753% | 5,024 |
| Retained earnings to average equity (ytd only) | 1.3346% | 4,850 |
| Net charge-offs to loans | 0.0067% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 639 |
| Efficiency ratio | 88.6637% | 676 |
| Assets per employee ($millions) | 3.5120% | 4,737 |
| Cash dividends to net income (ytd only)* | 63.6872% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,498 |
| Loan loss allowance to noncurrent loans | 216.8539% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 2,086 |
| Noncurrent loans to loans | 0.7437% | 2,879 |
| Net loans and leases to total assets | 67.0459% | 2,932 |
| Net loans and leases to deposits | 75.6490% | 3,419 |
| Net loans and leases to core deposits | 127.2580% | 350 |
| Total domestic deposits to total assets | 88.6277% | 1,097 |
| Equity capital to assets | 11.1217% | 2,926 |
| Core capital (leverage) ratio | 11.0094% | 2,423 |
| Tier 1 risk-based capital ratio | 15.1666% | 2,997 |
| Total risk-based capital ratio | 16.4200% | 2,930 |
| Memoranda: | ||
| Average total assets | $90,108,670 | 4,614 |
| Average earning assets | $79,501,000 | 4,668 |
| Average equity | $9,740,670 | 4,698 |
| Average total loans | $59,923,670 | 4,350 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 3,014 |
| Cost of funding earning assets | 0.3975% | 3,100 |
| Net interest margin | 3.6579% | 2,860 |
| Noninterest income to average assets | 0.2016% | 5,297 |
| Noninterest expense to average assets | 2.8358% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5523% | 4,412 |
| Return on assets (ROA) | 0.5523% | 4,511 |
| Pretax return on assets | 0.5523% | 4,950 |
| Return on Equity (ROE) | 5.1807% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.3436% | 4,313 |
| Net charge-offs to loans | 0.0133% | 2,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 752 |
| Efficiency ratio | 83.6999% | 1,185 |
| Assets per employee ($millions) | 3.7173% | 4,441 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 1,585 |
| Loan loss allowance to noncurrent loans | 189.2157% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 1,871 |
| Noncurrent loans to loans | 0.8492% | 2,726 |
| Net loans and leases to total assets | 66.2318% | 2,915 |
| Net loans and leases to deposits | 74.5496% | 3,366 |
| Net loans and leases to core deposits | 110.6641% | 817 |
| Total domestic deposits to total assets | 88.8426% | 1,183 |
| Equity capital to assets | 10.9366% | 3,013 |
| Core capital (leverage) ratio | 10.7951% | 2,627 |
| Tier 1 risk-based capital ratio | 15.0434% | 3,137 |
| Total risk-based capital ratio | 16.2969% | 3,072 |
| Memoranda: | ||
| Average total assets | $91,262,500 | 4,633 |
| Average earning assets | $79,498,500 | 4,717 |
| Average equity | $9,728,500 | 4,720 |
| Average total loans | $59,969,500 | 4,372 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,079 |
| Cost of funding earning assets | 0.4406% | 2,737 |
| Net interest margin | 3.9035% | 2,017 |
| Noninterest income to average assets | 0.2508% | 5,094 |
| Noninterest expense to average assets | 2.8851% | 2,907 |
| Loan and lease loss provision to assets | -0.0215% | 5,667 |
| Net operating income to assets | 0.7256% | 3,688 |
| Return on assets (ROA) | 0.7256% | 3,786 |
| Pretax return on assets | 0.7256% | 4,450 |
| Return on Equity (ROE) | 6.0604% | 4,007 |
| Retained earnings to average equity (ytd only) | 2.0141% | 4,583 |
| Net charge-offs to loans | 0.0145% | 4,005 |
| Credit loss provision to net charge-offs | -222.2222% | 5,287 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 745 |
| Efficiency ratio | 80.3839% | 1,625 |
| Assets per employee ($millions) | 3.8880% | 4,139 |
| Cash dividends to net income (ytd only)* | 66.7656% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,571 |
| Loan loss allowance to noncurrent loans | 189.6078% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 1,809 |
| Noncurrent loans to loans | 0.8516% | 2,657 |
| Net loans and leases to total assets | 63.1426% | 3,391 |
| Net loans and leases to deposits | 70.5811% | 3,859 |
| Net loans and leases to core deposits | 85.4245% | 2,834 |
| Total domestic deposits to total assets | 89.4610% | 880 |
| Equity capital to assets | 10.3953% | 3,494 |
| Core capital (leverage) ratio | 9.8457% | 3,718 |
| Tier 1 risk-based capital ratio | 14.4146% | 3,486 |
| Total risk-based capital ratio | 15.6673% | 3,398 |
| Memoranda: | ||
| Average total assets | $92,891,600 | 4,607 |
| Average earning assets | $79,441,800 | 4,731 |
| Average equity | $11,121,400 | 4,455 |
| Average total loans | $62,222,800 | 4,314 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 2,069 |
| Cost of funding earning assets | 0.4303% | 2,903 |
| Net interest margin | 3.9216% | 1,961 |
| Noninterest income to average assets | 0.2989% | 4,798 |
| Noninterest expense to average assets | 2.8610% | 2,972 |
| Loan and lease loss provision to assets | 0.0431% | 3,356 |
| Net operating income to assets | 0.7472% | 3,689 |
| Return on assets (ROA) | 0.7472% | 3,789 |
| Pretax return on assets | 0.7472% | 4,506 |
| Return on Equity (ROE) | 6.0411% | 4,129 |
| Retained earnings to average equity (ytd only) | 1.2779% | 5,209 |
| Net charge-offs to loans | 0.0064% | 3,950 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 183.3300% | 390 |
| Efficiency ratio | 78.3550% | 1,903 |
| Assets per employee ($millions) | 4.1463% | 3,627 |
| Cash dividends to net income (ytd only)* | 78.8453% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,725 |
| Loan loss allowance to noncurrent loans | 182.3529% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 1,872 |
| Noncurrent loans to loans | 0.8871% | 2,760 |
| Net loans and leases to total assets | 62.5214% | 3,535 |
| Net loans and leases to deposits | 70.9626% | 3,880 |
| Net loans and leases to core deposits | 90.2150% | 2,444 |
| Total domestic deposits to total assets | 88.1047% | 1,498 |
| Equity capital to assets | 11.6431% | 2,385 |
| Core capital (leverage) ratio | 12.0053% | 1,671 |
| Tier 1 risk-based capital ratio | 16.4494% | 2,605 |
| Total risk-based capital ratio | 17.7017% | 2,562 |
| Memoranda: | ||
| Average total assets | $92,786,750 | 4,658 |
| Average earning assets | $79,318,500 | 4,793 |
| Average equity | $11,476,750 | 4,442 |
| Average total loans | $62,807,000 | 4,342 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,010 |
| Cost of funding earning assets | 0.4010% | 3,263 |
| Net interest margin | 3.9492% | 1,810 |
| Noninterest income to average assets | 0.3357% | 4,557 |
| Noninterest expense to average assets | 2.8803% | 2,961 |
| Loan and lease loss provision to assets | 0.0663% | 2,790 |
| Net operating income to assets | 0.8261% | 3,238 |
| Return on assets (ROA) | 0.8261% | 3,354 |
| Pretax return on assets | 0.8261% | 4,222 |
| Return on Equity (ROE) | 6.5383% | 3,861 |
| Retained earnings to average equity (ytd only) | 0.3322% | 5,408 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3466% | 2,300 |
| Assets per employee ($millions) | 3.6270% | 4,579 |
| Cash dividends to net income (ytd only)* | 94.9198% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 1,901 |
| Loan loss allowance to noncurrent loans | 182.5623% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 1,693 |
| Noncurrent loans to loans | 0.8785% | 2,933 |
| Net loans and leases to total assets | 69.4175% | 2,423 |
| Net loans and leases to deposits | 79.7075% | 2,831 |
| Net loans and leases to core deposits | 96.9145% | 1,725 |
| Total domestic deposits to total assets | 87.0903% | 2,119 |
| Equity capital to assets | 12.6770% | 1,566 |
| Core capital (leverage) ratio | 12.2890% | 1,493 |
| Tier 1 risk-based capital ratio | 16.4254% | 2,648 |
| Total risk-based capital ratio | 17.6786% | 2,604 |
| Memoranda: | ||
| Average total assets | $90,545,670 | 4,751 |
| Average earning assets | $78,800,330 | 4,852 |
| Average equity | $11,440,330 | 4,477 |
| Average total loans | $62,663,330 | 4,383 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 1,802 |
| Cost of funding earning assets | 0.3910% | 3,397 |
| Net interest margin | 3.9989% | 1,557 |
| Noninterest income to average assets | 0.3802% | 4,163 |
| Noninterest expense to average assets | 2.8912% | 2,935 |
| Loan and lease loss provision to assets | 0.0663% | 2,611 |
| Net operating income to assets | 0.8134% | 3,198 |
| Return on assets (ROA) | 0.8134% | 3,321 |
| Pretax return on assets | 0.8134% | 4,186 |
| Return on Equity (ROE) | 6.4488% | 3,800 |
| Retained earnings to average equity (ytd only) | -4.4160% | 5,891 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6706% | 2,400 |
| Assets per employee ($millions) | 3.4846% | 4,922 |
| Cash dividends to net income (ytd only)* | 168.4783% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 1,877 |
| Loan loss allowance to noncurrent loans | 152.4887% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 1,381 |
| Noncurrent loans to loans | 1.0832% | 2,596 |
| Net loans and leases to total assets | 69.1018% | 2,266 |
| Net loans and leases to deposits | 80.1806% | 2,542 |
| Net loans and leases to core deposits | 92.0895% | 1,937 |
| Total domestic deposits to total assets | 86.1826% | 2,838 |
| Equity capital to assets | 13.0288% | 1,384 |
| Core capital (leverage) ratio | 12.8097% | 1,229 |
| Tier 1 risk-based capital ratio | 16.6941% | 2,597 |
| Total risk-based capital ratio | 17.9473% | 2,548 |
| Memoranda: | ||
| Average total assets | $90,480,500 | 4,800 |
| Average earning assets | $76,722,000 | 4,945 |
| Average equity | $11,413,000 | 4,519 |
| Average total loans | $62,009,500 | 4,430 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,301 |
| Cost of funding earning assets | 0.5518% | 2,190 |
| Net interest margin | 4.1519% | 1,424 |
| Noninterest income to average assets | 0.2556% | 5,306 |
| Noninterest expense to average assets | 2.7999% | 3,483 |
| Loan and lease loss provision to assets | 0.0636% | 3,244 |
| Net operating income to assets | 0.7753% | 3,495 |
| Return on assets (ROA) | 0.7753% | 3,586 |
| Pretax return on assets | 0.7753% | 4,347 |
| Return on Equity (ROE) | 6.5880% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.0007% | 4,788 |
| Net charge-offs to loans | 0.0266% | 4,294 |
| Credit loss provision to net charge-offs | 352.9412% | 746 |
| Earnings coverage of net charge-offs (x) | 46.5294% | 979 |
| Efficiency ratio | 76.9455% | 2,357 |
| Assets per employee ($millions) | 3.7538% | 4,435 |
| Cash dividends to net income (ytd only)* | 69.6306% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 2,141 |
| Loan loss allowance to noncurrent loans | 137.3793% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.7209% | 1,548 |
| Noncurrent loans to loans | 1.1543% | 2,531 |
| Net loans and leases to total assets | 65.8675% | 2,905 |
| Net loans and leases to deposits | 75.2279% | 3,286 |
| Net loans and leases to core deposits | 88.4548% | 2,454 |
| Total domestic deposits to total assets | 87.5573% | 1,999 |
| Equity capital to assets | 12.2285% | 1,840 |
| Core capital (leverage) ratio | 12.1345% | 1,542 |
| Tier 1 risk-based capital ratio | 17.6660% | 2,256 |
| Total risk-based capital ratio | 18.9190% | 2,224 |
| Memoranda: | ||
| Average total assets | $94,288,800 | 4,748 |
| Average earning assets | $76,832,600 | 4,962 |
| Average equity | $11,096,000 | 4,547 |
| Average total loans | $64,017,800 | 4,364 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,315 |
| Cost of funding earning assets | 0.5808% | 2,012 |
| Net interest margin | 4.1156% | 1,527 |
| Noninterest income to average assets | 0.2556% | 5,391 |
| Noninterest expense to average assets | 2.8234% | 3,372 |
| Loan and lease loss provision to assets | 0.0636% | 3,082 |
| Net operating income to assets | 0.7316% | 3,778 |
| Return on assets (ROA) | 0.7316% | 3,883 |
| Pretax return on assets | 0.7316% | 4,587 |
| Return on Equity (ROE) | 6.2781% | 4,093 |
| Retained earnings to average equity (ytd only) | 1.1029% | 5,443 |
| Net charge-offs to loans | -0.0042% | 5,270 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0250% | 2,180 |
| Assets per employee ($millions) | 3.9596% | 3,965 |
| Cash dividends to net income (ytd only)* | 82.4325% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 2,601 |
| Loan loss allowance to noncurrent loans | 124.8439% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.8310% | 1,615 |
| Noncurrent loans to loans | 1.2206% | 2,607 |
| Net loans and leases to total assets | 68.0048% | 2,530 |
| Net loans and leases to deposits | 77.4759% | 3,009 |
| Net loans and leases to core deposits | 94.1644% | 1,849 |
| Total domestic deposits to total assets | 87.7754% | 1,883 |
| Equity capital to assets | 11.9383% | 2,112 |
| Core capital (leverage) ratio | 12.3288% | 1,497 |
| Tier 1 risk-based capital ratio | 16.7573% | 2,706 |
| Total risk-based capital ratio | 18.0098% | 2,650 |
| Memoranda: | ||
| Average total assets | $94,399,500 | 4,784 |
| Average earning assets | $77,135,000 | 5,002 |
| Average equity | $11,001,000 | 4,598 |
| Average total loans | $64,319,750 | 4,392 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 1,252 |
| Cost of funding earning assets | 0.6190% | 1,740 |
| Net interest margin | 4.0971% | 1,520 |
| Noninterest income to average assets | 0.2506% | 5,403 |
| Noninterest expense to average assets | 2.8368% | 3,384 |
| Loan and lease loss provision to assets | 0.0637% | 2,995 |
| Net operating income to assets | 0.6667% | 4,011 |
| Return on assets (ROA) | 0.6667% | 4,110 |
| Pretax return on assets | 0.6667% | 4,744 |
| Return on Equity (ROE) | 5.7687% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.9236% | 3,008 |
| Net charge-offs to loans | -0.0063% | 5,213 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5238% | 2,091 |
| Assets per employee ($millions) | 3.7187% | 4,420 |
| Cash dividends to net income (ytd only)* | 14.6497% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 2,897 |
| Loan loss allowance to noncurrent loans | 70.6093% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3619% | 1,235 |
| Noncurrent loans to loans | 2.1250% | 1,562 |
| Net loans and leases to total assets | 72.4512% | 1,660 |
| Net loans and leases to deposits | 83.3939% | 2,101 |
| Net loans and leases to core deposits | 103.0848% | 1,076 |
| Total domestic deposits to total assets | 86.8783% | 2,528 |
| Equity capital to assets | 12.9099% | 1,419 |
| Core capital (leverage) ratio | 12.3460% | 1,478 |
| Tier 1 risk-based capital ratio | 17.1064% | 2,575 |
| Total risk-based capital ratio | 18.3594% | 2,535 |
| Memoranda: | ||
| Average total assets | $94,189,330 | 4,820 |
| Average earning assets | $76,249,000 | 5,064 |
| Average equity | $10,886,330 | 4,639 |
| Average total loans | $63,884,670 | 4,425 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,342 |
| Cost of funding earning assets | 0.6452% | 1,617 |
| Net interest margin | 4.0162% | 1,706 |
| Noninterest income to average assets | 0.2193% | 5,603 |
| Noninterest expense to average assets | 2.7974% | 3,576 |
| Loan and lease loss provision to assets | 0.0621% | 2,875 |
| Net operating income to assets | 0.4511% | 4,926 |
| Return on assets (ROA) | 0.4511% | 4,999 |
| Pretax return on assets | 0.4511% | 5,306 |
| Return on Equity (ROE) | 4.1255% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.2928% | 4,145 |
| Net charge-offs to loans | 0.0127% | 3,350 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 640 |
| Efficiency ratio | 84.5000% | 1,616 |
| Assets per employee ($millions) | 3.7795% | 4,367 |
| Cash dividends to net income (ytd only)* | 20.1835% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 3,203 |
| Loan loss allowance to noncurrent loans | 96.7936% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.8754% | 1,841 |
| Noncurrent loans to loans | 1.5342% | 2,507 |
| Net loans and leases to total assets | 67.8252% | 2,252 |
| Net loans and leases to deposits | 77.2344% | 2,660 |
| Net loans and leases to core deposits | 97.7159% | 1,257 |
| Total domestic deposits to total assets | 87.8174% | 2,327 |
| Equity capital to assets | 12.0027% | 1,864 |
| Core capital (leverage) ratio | 11.8733% | 1,718 |
| Tier 1 risk-based capital ratio | 16.6824% | 2,822 |
| Total risk-based capital ratio | 17.9268% | 2,789 |
| Memoranda: | ||
| Average total assets | $96,659,500 | 4,806 |
| Average earning assets | $74,398,000 | 5,167 |
| Average equity | $10,568,500 | 4,711 |
| Average total loans | $63,003,500 | 4,496 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 828 |
| Cost of funding earning assets | 0.8360% | 1,015 |
| Net interest margin | 4.2141% | 1,313 |
| Noninterest income to average assets | 0.0647% | 6,504 |
| Noninterest expense to average assets | 2.5061% | 4,748 |
| Loan and lease loss provision to assets | -0.0505% | 6,382 |
| Net operating income to assets | 0.7228% | 3,685 |
| Return on assets (ROA) | 0.7228% | 3,778 |
| Pretax return on assets | 0.7228% | 4,453 |
| Return on Equity (ROE) | 7.4946% | 3,299 |
| Retained earnings to average equity (ytd only) | 3.6477% | 3,628 |
| Net charge-offs to loans | 0.0332% | 4,770 |
| Credit loss provision to net charge-offs | -238.0952% | 6,009 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,128 |
| Efficiency ratio | 78.8486% | 2,344 |
| Assets per employee ($millions) | 3.8012% | 4,261 |
| Cash dividends to net income (ytd only)* | 51.3287% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 2,910 |
| Loan loss allowance to noncurrent loans | 95.6827% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.7990% | 2,052 |
| Noncurrent loans to loans | 1.6340% | 2,451 |
| Net loans and leases to total assets | 60.7111% | 3,589 |
| Net loans and leases to deposits | 67.5295% | 4,121 |
| Net loans and leases to core deposits | 84.5611% | 2,605 |
| Total domestic deposits to total assets | 89.9031% | 1,130 |
| Equity capital to assets | 9.9118% | 3,884 |
| Core capital (leverage) ratio | 10.3392% | 3,106 |
| Tier 1 risk-based capital ratio | 14.5027% | 3,954 |
| Total risk-based capital ratio | 15.7552% | 3,888 |
| Memoranda: | ||
| Average total assets | $98,919,400 | 4,765 |
| Average earning assets | $73,088,400 | 5,221 |
| Average equity | $9,540,200 | 4,963 |
| Average total loans | $63,343,000 | 4,502 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 857 |
| Cost of funding earning assets | 0.8717% | 939 |
| Net interest margin | 4.1734% | 1,411 |
| Noninterest income to average assets | 0.0108% | 6,718 |
| Noninterest expense to average assets | 2.6251% | 4,303 |
| Loan and lease loss provision to assets | -0.1078% | 6,637 |
| Net operating income to assets | 0.5902% | 4,396 |
| Return on assets (ROA) | 0.5902% | 4,521 |
| Pretax return on assets | 0.5902% | 5,053 |
| Return on Equity (ROE) | 6.1627% | 4,099 |
| Retained earnings to average equity (ytd only) | 2.6592% | 4,728 |
| Net charge-offs to loans | 0.0417% | 4,316 |
| Credit loss provision to net charge-offs | -400.0000% | 6,014 |
| Earnings coverage of net charge-offs (x) | 17.8973% | 1,708 |
| Efficiency ratio | 84.4753% | 1,538 |
| Assets per employee ($millions) | 3.6425% | 4,573 |
| Cash dividends to net income (ytd only)* | 56.8486% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,749 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 1,815 |
| Noncurrent loans to loans | 1.9159% | 2,341 |
| Net loans and leases to total assets | 66.9247% | 2,475 |
| Net loans and leases to deposits | 74.7497% | 3,123 |
| Net loans and leases to core deposits | 93.9006% | 1,585 |
| Total domestic deposits to total assets | 89.5317% | 1,277 |
| Equity capital to assets | 10.1758% | 3,671 |
| Core capital (leverage) ratio | 10.7067% | 2,782 |
| Tier 1 risk-based capital ratio | 14.3167% | 4,203 |
| Total risk-based capital ratio | 15.5676% | 4,147 |
| Memoranda: | ||
| Average total assets | $98,941,250 | 4,811 |
| Average earning assets | $73,415,250 | 5,258 |
| Average equity | $9,476,250 | 5,038 |
| Average total loans | $63,940,000 | 4,530 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 850 |
| Cost of funding earning assets | 0.9585% | 683 |
| Net interest margin | 4.0887% | 1,574 |
| Noninterest income to average assets | 0.0179% | 6,749 |
| Noninterest expense to average assets | 2.5470% | 4,574 |
| Loan and lease loss provision to assets | -0.0797% | 6,686 |
| Net operating income to assets | 0.5261% | 4,684 |
| Return on assets (ROA) | 0.5261% | 4,852 |
| Pretax return on assets | 0.5261% | 5,284 |
| Return on Equity (ROE) | 5.6035% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.1249% | 5,448 |
| Net charge-offs to loans | 0.0627% | 3,808 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 2,074 |
| Efficiency ratio | 85.0866% | 1,518 |
| Assets per employee ($millions) | 3.8188% | 4,175 |
| Cash dividends to net income (ytd only)* | 79.9242% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,518 |
| Loan loss allowance to noncurrent loans | 68.0791% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 2,109 |
| Noncurrent loans to loans | 2.2256% | 2,142 |
| Net loans and leases to total assets | 68.3666% | 2,174 |
| Net loans and leases to deposits | 76.4551% | 2,812 |
| Net loans and leases to core deposits | 98.1577% | 1,203 |
| Total domestic deposits to total assets | 89.4206% | 1,366 |
| Equity capital to assets | 10.3666% | 3,473 |
| Core capital (leverage) ratio | 9.8520% | 3,713 |
| Tier 1 risk-based capital ratio | 14.3987% | 4,163 |
| Total risk-based capital ratio | 15.6581% | 4,119 |
| Memoranda: | ||
| Average total assets | $100,353,330 | 4,805 |
| Average earning assets | $73,030,000 | 5,304 |
| Average equity | $9,422,670 | 5,076 |
| Average total loans | $63,818,330 | 4,548 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 759 |
| Cost of funding earning assets | 1.0594% | 454 |
| Net interest margin | 4.0278% | 1,685 |
| Noninterest income to average assets | -0.0802% | 6,912 |
| Noninterest expense to average assets | 2.3800% | 5,183 |
| Loan and lease loss provision to assets | -0.2674% | 6,916 |
| Net operating income to assets | 0.5960% | 4,240 |
| Return on assets (ROA) | 0.5960% | 4,389 |
| Pretax return on assets | 0.5960% | 4,962 |
| Return on Equity (ROE) | 6.6500% | 3,693 |
| Retained earnings to average equity (ytd only) | 3.6660% | 4,041 |
| Net charge-offs to loans | 0.1252% | 2,669 |
| Credit loss provision to net charge-offs | -350.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,583 |
| Efficiency ratio | 87.8702% | 1,341 |
| Assets per employee ($millions) | 4.0268% | 3,887 |
| Cash dividends to net income (ytd only)* | 44.8718% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,950 |
| Loan loss allowance to noncurrent loans | 65.9139% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 2,347 |
| Noncurrent loans to loans | 2.2233% | 2,360 |
| Net loans and leases to total assets | 62.3814% | 2,987 |
| Net loans and leases to deposits | 69.0831% | 3,629 |
| Net loans and leases to core deposits | 87.4883% | 1,960 |
| Total domestic deposits to total assets | 90.2991% | 879 |
| Equity capital to assets | 9.4705% | 4,888 |
| Core capital (leverage) ratio | 9.2330% | 4,509 |
| Tier 1 risk-based capital ratio | 13.9641% | 4,533 |
| Total risk-based capital ratio | 15.2018% | 4,502 |
| Memoranda: | ||
| Average total assets | $104,705,000 | 4,753 |
| Average earning assets | $72,496,000 | 5,372 |
| Average equity | $9,383,500 | 5,141 |
| Average total loans | $63,916,500 | 4,568 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6406% | 473 |
| Cost of funding earning assets | 1.2743% | 410 |
| Net interest margin | 4.3663% | 1,238 |
| Noninterest income to average assets | 0.1994% | 5,995 |
| Noninterest expense to average assets | 2.5169% | 5,042 |
| Loan and lease loss provision to assets | 0.1574% | 3,650 |
| Net operating income to assets | 0.6373% | 4,048 |
| Return on assets (ROA) | 0.6373% | 4,314 |
| Pretax return on assets | 0.6373% | 4,861 |
| Return on Equity (ROE) | 6.8286% | 3,743 |
| Retained earnings to average equity (ytd only) | -3.5676% | 6,316 |
| Net charge-offs to loans | 0.0192% | 5,640 |
| Credit loss provision to net charge-offs | 1,269.2308% | 199 |
| Earnings coverage of net charge-offs (x) | 64.0769% | 558 |
| Efficiency ratio | 76.0012% | 2,745 |
| Assets per employee ($millions) | 4.3496% | 3,256 |
| Cash dividends to net income (ytd only)* | 152.2455% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,326 |
| Loan loss allowance to noncurrent loans | 100.1957% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 2,777 |
| Noncurrent loans to loans | 1.5944% | 3,235 |
| Net loans and leases to total assets | 58.0059% | 3,978 |
| Net loans and leases to deposits | 65.2194% | 4,387 |
| Net loans and leases to core deposits | 83.7716% | 2,574 |
| Total domestic deposits to total assets | 88.9396% | 1,602 |
| Equity capital to assets | 8.4910% | 6,063 |
| Core capital (leverage) ratio | 8.5424% | 5,553 |
| Tier 1 risk-based capital ratio | 12.9408% | 5,151 |
| Total risk-based capital ratio | 14.1924% | 5,091 |
| Memoranda: | ||
| Average total assets | $104,812,400 | 4,712 |
| Average earning assets | $74,708,600 | 5,288 |
| Average equity | $9,782,400 | 5,029 |
| Average total loans | $67,856,200 | 4,429 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8148% | 393 |
| Cost of funding earning assets | 1.2427% | 572 |
| Net interest margin | 4.5721% | 861 |
| Noninterest income to average assets | 0.2632% | 5,676 |
| Noninterest expense to average assets | 2.5772% | 4,816 |
| Loan and lease loss provision to assets | 0.1926% | 3,176 |
| Net operating income to assets | 0.8051% | 3,427 |
| Return on assets (ROA) | 0.8051% | 3,669 |
| Pretax return on assets | 0.8051% | 4,464 |
| Return on Equity (ROE) | 8.4274% | 3,074 |
| Retained earnings to average equity (ytd only) | 5.8199% | 2,816 |
| Net charge-offs to loans | 0.0252% | 5,318 |
| Credit loss provision to net charge-offs | 1,153.8462% | 236 |
| Earnings coverage of net charge-offs (x) | 59.7790% | 654 |
| Efficiency ratio | 72.0905% | 3,308 |
| Assets per employee ($millions) | 4.3041% | 3,263 |
| Cash dividends to net income (ytd only)* | 30.9409% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,954 |
| Loan loss allowance to noncurrent loans | 492.1951% | 779 |
| Noncurrent assets plus other real estate owned to assets | 1.4851% | 3,370 |
| Noncurrent loans to loans | 0.3047% | 5,880 |
| Net loans and leases to total assets | 61.5955% | 3,465 |
| Net loans and leases to deposits | 70.1228% | 3,878 |
| Net loans and leases to core deposits | 90.9650% | 1,875 |
| Total domestic deposits to total assets | 87.8394% | 2,133 |
| Equity capital to assets | 9.4701% | 5,245 |
| Core capital (leverage) ratio | 9.8660% | 3,735 |
| Tier 1 risk-based capital ratio | 13.7478% | 4,724 |
| Total risk-based capital ratio | 14.9944% | 4,681 |
| Memoranda: | ||
| Average total assets | $103,830,750 | 4,779 |
| Average earning assets | $75,208,500 | 5,320 |
| Average equity | $9,919,750 | 5,043 |
| Average total loans | $68,795,500 | 4,441 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7751% | 418 |
| Cost of funding earning assets | 1.2872% | 555 |
| Net interest margin | 4.4879% | 1,016 |
| Noninterest income to average assets | 0.2749% | 5,611 |
| Noninterest expense to average assets | 2.6167% | 4,721 |
| Loan and lease loss provision to assets | 0.2340% | 2,727 |
| Net operating income to assets | 0.7351% | 3,680 |
| Return on assets (ROA) | 0.7351% | 3,948 |
| Pretax return on assets | 0.7351% | 4,723 |
| Return on Equity (ROE) | 7.6707% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.0663% | 3,245 |
| Net charge-offs to loans | 0.0375% | 4,853 |
| Credit loss provision to net charge-offs | 923.0769% | 355 |
| Earnings coverage of net charge-offs (x) | 38.2308% | 909 |
| Efficiency ratio | 72.9744% | 3,243 |
| Assets per employee ($millions) | 4.0849% | 3,689 |
| Cash dividends to net income (ytd only)* | 33.9523% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 4,435 |
| Loan loss allowance to noncurrent loans | 163.4391% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8014% | 3,036 |
| Noncurrent loans to loans | 0.8614% | 4,782 |
| Net loans and leases to total assets | 69.9277% | 1,935 |
| Net loans and leases to deposits | 80.4721% | 2,315 |
| Net loans and leases to core deposits | 107.9063% | 666 |
| Total domestic deposits to total assets | 86.8968% | 2,832 |
| Equity capital to assets | 10.2064% | 4,044 |
| Core capital (leverage) ratio | 9.6593% | 3,906 |
| Tier 1 risk-based capital ratio | 13.5544% | 4,779 |
| Total risk-based capital ratio | 14.8034% | 4,747 |
| Memoranda: | ||
| Average total assets | $102,573,670 | 4,839 |
| Average earning assets | $75,669,670 | 5,334 |
| Average equity | $9,829,670 | 5,068 |
| Average total loans | $69,298,330 | 4,440 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8921% | 361 |
| Cost of funding earning assets | 1.3324% | 552 |
| Net interest margin | 4.5598% | 892 |
| Noninterest income to average assets | 0.2976% | 5,493 |
| Noninterest expense to average assets | 2.5677% | 4,930 |
| Loan and lease loss provision to assets | 0.2289% | 2,657 |
| Net operating income to assets | 0.7783% | 3,486 |
| Return on assets (ROA) | 0.7783% | 3,726 |
| Pretax return on assets | 0.7783% | 4,500 |
| Return on Equity (ROE) | 8.3765% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.9128% | 3,012 |
| Net charge-offs to loans | 0.0058% | 4,672 |
| Credit loss provision to net charge-offs | 6,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 133 |
| Efficiency ratio | 71.8250% | 3,477 |
| Assets per employee ($millions) | 4.1860% | 3,605 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,717 |
| Loan loss allowance to noncurrent loans | 172.0887% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.7047% | 3,303 |
| Noncurrent loans to loans | 0.7979% | 5,080 |
| Net loans and leases to total assets | 63.8993% | 2,867 |
| Net loans and leases to deposits | 72.8059% | 3,296 |
| Net loans and leases to core deposits | 99.3109% | 1,032 |
| Total domestic deposits to total assets | 87.7667% | 2,489 |
| Equity capital to assets | 9.4612% | 4,867 |
| Core capital (leverage) ratio | 9.5807% | 3,944 |
| Tier 1 risk-based capital ratio | 13.3835% | 4,909 |
| Total risk-based capital ratio | 14.6339% | 4,902 |
| Memoranda: | ||
| Average total assets | $104,842,000 | 4,813 |
| Average earning assets | $75,354,500 | 5,386 |
| Average equity | $9,741,500 | 5,106 |
| Average total loans | $69,180,500 | 4,473 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8925% | 535 |
| Cost of funding earning assets | 1.5024% | 714 |
| Net interest margin | 4.3900% | 1,415 |
| Noninterest income to average assets | 0.2853% | 5,495 |
| Noninterest expense to average assets | 2.5230% | 5,393 |
| Loan and lease loss provision to assets | 0.5870% | 1,763 |
| Net operating income to assets | 0.7374% | 3,308 |
| Return on assets (ROA) | 0.7374% | 3,476 |
| Pretax return on assets | 0.7374% | 4,199 |
| Return on Equity (ROE) | 7.4642% | 3,166 |
| Retained earnings to average equity (ytd only) | 2.4432% | 4,479 |
| Net charge-offs to loans | 0.7248% | 2,338 |
| Credit loss provision to net charge-offs | 107.2897% | 3,152 |
| Earnings coverage of net charge-offs (x) | 2.4206% | 4,003 |
| Efficiency ratio | 65.5768% | 4,853 |
| Assets per employee ($millions) | 4.3765% | 3,102 |
| Cash dividends to net income (ytd only)* | 67.2677% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 5,241 |
| Loan loss allowance to noncurrent loans | 57.1803% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.7305% | 2,227 |
| Noncurrent loans to loans | 2.1613% | 2,993 |
| Net loans and leases to total assets | 66.3474% | 2,720 |
| Net loans and leases to deposits | 75.2611% | 3,304 |
| Net loans and leases to core deposits | 104.5299% | 871 |
| Total domestic deposits to total assets | 88.1563% | 2,053 |
| Equity capital to assets | 9.1227% | 5,383 |
| Core capital (leverage) ratio | 9.3091% | 4,313 |
| Tier 1 risk-based capital ratio | 12.6785% | 5,320 |
| Total risk-based capital ratio | 13.8323% | 5,373 |
| Memoranda: | ||
| Average total assets | $97,781,600 | 4,956 |
| Average earning assets | $79,338,600 | 5,247 |
| Average equity | $9,659,400 | 5,105 |
| Average total loans | $73,813,400 | 4,354 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9849% | 478 |
| Cost of funding earning assets | 1.4643% | 977 |
| Net interest margin | 4.5206% | 1,099 |
| Noninterest income to average assets | 0.2626% | 5,742 |
| Noninterest expense to average assets | 2.6897% | 4,769 |
| Loan and lease loss provision to assets | 0.3612% | 2,698 |
| Net operating income to assets | 0.9947% | 2,344 |
| Return on assets (ROA) | 0.9947% | 2,493 |
| Pretax return on assets | 0.9947% | 3,426 |
| Return on Equity (ROE) | 9.8633% | 2,245 |
| Retained earnings to average equity (ytd only) | 7.2597% | 1,831 |
| Net charge-offs to loans | 0.6307% | 2,358 |
| Credit loss provision to net charge-offs | 73.6544% | 4,363 |
| Earnings coverage of net charge-offs (x) | 2.7649% | 3,749 |
| Efficiency ratio | 66.4835% | 4,625 |
| Assets per employee ($millions) | 4.0449% | 3,747 |
| Cash dividends to net income (ytd only)* | 26.3963% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,290 |
| Loan loss allowance to noncurrent loans | 82.7740% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 3,138 |
| Noncurrent loans to loans | 1.2035% | 4,532 |
| Net loans and leases to total assets | 72.7273% | 1,563 |
| Net loans and leases to deposits | 83.3681% | 2,115 |
| Net loans and leases to core deposits | 119.7181% | 393 |
| Total domestic deposits to total assets | 87.2363% | 2,503 |
| Equity capital to assets | 9.8563% | 4,538 |
| Core capital (leverage) ratio | 10.0387% | 3,383 |
| Tier 1 risk-based capital ratio | 12.8681% | 5,192 |
| Total risk-based capital ratio | 13.8235% | 5,415 |
| Memoranda: | ||
| Average total assets | $95,968,250 | 5,042 |
| Average earning assets | $80,311,500 | 5,263 |
| Average equity | $9,678,750 | 5,135 |
| Average total loans | $74,626,750 | 4,360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9121% | 565 |
| Cost of funding earning assets | 1.4377% | 1,245 |
| Net interest margin | 4.4744% | 1,193 |
| Noninterest income to average assets | 0.2440% | 5,901 |
| Noninterest expense to average assets | 2.7862% | 4,481 |
| Loan and lease loss provision to assets | 0.1698% | 4,234 |
| Net operating income to assets | 1.1119% | 1,837 |
| Return on assets (ROA) | 1.1119% | 1,925 |
| Pretax return on assets | 1.1119% | 2,804 |
| Return on Equity (ROE) | 10.9364% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.9918% | 1,879 |
| Net charge-offs to loans | 0.4843% | 2,649 |
| Credit loss provision to net charge-offs | 44.1989% | 4,728 |
| Earnings coverage of net charge-offs (x) | 3.3370% | 3,205 |
| Efficiency ratio | 68.4924% | 4,425 |
| Assets per employee ($millions) | 3.7370% | 4,344 |
| Cash dividends to net income (ytd only)* | 36.0687% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,480 |
| Loan loss allowance to noncurrent loans | 66.9104% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.1643% | 3,034 |
| Noncurrent loans to loans | 1.4361% | 4,260 |
| Net loans and leases to total assets | 80.7568% | 469 |
| Net loans and leases to deposits | 93.4432% | 914 |
| Net loans and leases to core deposits | 131.8220% | 255 |
| Total domestic deposits to total assets | 86.4233% | 3,088 |
| Equity capital to assets | 10.4629% | 3,555 |
| Core capital (leverage) ratio | 10.5232% | 2,691 |
| Tier 1 risk-based capital ratio | 12.6030% | 5,253 |
| Total risk-based capital ratio | 13.5468% | 5,506 |
| Memoranda: | ||
| Average total assets | $94,250,000 | 5,130 |
| Average earning assets | $80,546,330 | 5,304 |
| Average equity | $9,582,670 | 5,162 |
| Average total loans | $74,741,000 | 4,399 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9528% | 527 |
| Cost of funding earning assets | 1.5547% | 964 |
| Net interest margin | 4.3982% | 1,283 |
| Noninterest income to average assets | 0.2451% | 5,936 |
| Noninterest expense to average assets | 2.7086% | 4,802 |
| Loan and lease loss provision to assets | 0.0634% | 5,198 |
| Net operating income to assets | 1.1789% | 1,571 |
| Return on assets (ROA) | 1.1789% | 1,624 |
| Pretax return on assets | 1.1789% | 2,455 |
| Return on Equity (ROE) | 11.7641% | 1,528 |
| Retained earnings to average equity (ytd only) | 7.8849% | 1,782 |
| Net charge-offs to loans | 0.7619% | 1,695 |
| Credit loss provision to net charge-offs | 10.6383% | 4,371 |
| Earnings coverage of net charge-offs (x) | 2.0851% | 3,255 |
| Efficiency ratio | 68.5561% | 4,548 |
| Assets per employee ($millions) | 3.6760% | 4,588 |
| Cash dividends to net income (ytd only)* | 32.9749% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,523 |
| Loan loss allowance to noncurrent loans | 76.4324% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8401% | 3,508 |
| Noncurrent loans to loans | 1.2524% | 4,592 |
| Net loans and leases to total assets | 79.6026% | 554 |
| Net loans and leases to deposits | 96.6482% | 648 |
| Net loans and leases to core deposits | 131.3570% | 257 |
| Total domestic deposits to total assets | 82.3632% | 5,163 |
| Equity capital to assets | 10.4756% | 3,204 |
| Core capital (leverage) ratio | 10.2861% | 2,817 |
| Tier 1 risk-based capital ratio | 12.7564% | 5,008 |
| Total risk-based capital ratio | 13.6932% | 5,295 |
| Memoranda: | ||
| Average total assets | $94,662,500 | 5,148 |
| Average earning assets | $79,760,500 | 5,368 |
| Average equity | $9,486,500 | 5,179 |
| Average total loans | $74,022,000 | 4,463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8772% | 1,088 |
| Cost of funding earning assets | 1.7602% | 1,339 |
| Net interest margin | 4.1170% | 2,494 |
| Noninterest income to average assets | 0.2765% | 5,802 |
| Noninterest expense to average assets | 2.5767% | 5,516 |
| Loan and lease loss provision to assets | 0.3403% | 4,110 |
| Net operating income to assets | 0.7572% | 2,966 |
| Return on assets (ROA) | 0.7572% | 3,090 |
| Pretax return on assets | 0.7572% | 3,773 |
| Return on Equity (ROE) | 7.7452% | 2,803 |
| Retained earnings to average equity (ytd only) | -0.4025% | 5,689 |
| Net charge-offs to loans | 0.3339% | 4,339 |
| Credit loss provision to net charge-offs | 133.8912% | 2,917 |
| Earnings coverage of net charge-offs (x) | 4.3180% | 2,969 |
| Efficiency ratio | 70.1302% | 4,153 |
| Assets per employee ($millions) | 3.8970% | 4,015 |
| Cash dividends to net income (ytd only)* | 105.1966% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,860 |
| Loan loss allowance to noncurrent loans | 32.9770% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 3.0741% | 2,296 |
| Noncurrent loans to loans | 3.4051% | 2,232 |
| Net loans and leases to total assets | 75.2879% | 1,416 |
| Net loans and leases to deposits | 89.7676% | 1,558 |
| Net loans and leases to core deposits | 121.5712% | 484 |
| Total domestic deposits to total assets | 83.8698% | 4,412 |
| Equity capital to assets | 9.5929% | 4,281 |
| Core capital (leverage) ratio | 9.8003% | 3,314 |
| Tier 1 risk-based capital ratio | 12.3533% | 5,159 |
| Total risk-based capital ratio | 13.4543% | 5,266 |
| Memoranda: | ||
| Average total assets | $94,036,800 | 5,158 |
| Average earning assets | $77,605,200 | 5,429 |
| Average equity | $9,192,800 | 5,360 |
| Average total loans | $71,584,600 | 4,620 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1712% | 652 |
| Cost of funding earning assets | 1.7933% | 1,440 |
| Net interest margin | 4.3779% | 1,593 |
| Noninterest income to average assets | 0.2504% | 6,095 |
| Noninterest expense to average assets | 2.6855% | 4,942 |
| Loan and lease loss provision to assets | 0.2718% | 4,411 |
| Net operating income to assets | 0.9185% | 2,544 |
| Return on assets (ROA) | 0.9185% | 2,683 |
| Pretax return on assets | 0.9185% | 3,501 |
| Return on Equity (ROE) | 9.3504% | 2,370 |
| Retained earnings to average equity (ytd only) | 0.9903% | 5,414 |
| Net charge-offs to loans | 0.4248% | 3,594 |
| Credit loss provision to net charge-offs | 84.0708% | 4,995 |
| Earnings coverage of net charge-offs (x) | 3.6814% | 3,338 |
| Efficiency ratio | 69.2876% | 4,209 |
| Assets per employee ($millions) | 3.7110% | 4,485 |
| Cash dividends to net income (ytd only)* | 89.4075% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 6,566 |
| Loan loss allowance to noncurrent loans | 46.4935% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 1.9175% | 3,589 |
| Noncurrent loans to loans | 2.0438% | 3,629 |
| Net loans and leases to total assets | 80.4454% | 674 |
| Net loans and leases to deposits | 97.2291% | 861 |
| Net loans and leases to core deposits | 128.9528% | 397 |
| Total domestic deposits to total assets | 82.7380% | 4,701 |
| Equity capital to assets | 10.1869% | 3,899 |
| Core capital (leverage) ratio | 10.4868% | 2,703 |
| Tier 1 risk-based capital ratio | 12.4249% | 5,057 |
| Total risk-based capital ratio | 13.3662% | 5,310 |
| Memoranda: | ||
| Average total assets | $93,189,500 | 5,248 |
| Average earning assets | $77,173,500 | 5,507 |
| Average equity | $9,154,500 | 5,452 |
| Average total loans | $70,935,000 | 4,717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0621% | 824 |
| Cost of funding earning assets | 1.8737% | 1,325 |
| Net interest margin | 4.1883% | 2,189 |
| Noninterest income to average assets | 0.2614% | 6,047 |
| Noninterest expense to average assets | 2.5909% | 5,354 |
| Loan and lease loss provision to assets | 0.0643% | 6,307 |
| Net operating income to assets | 1.0265% | 2,097 |
| Return on assets (ROA) | 1.0265% | 2,176 |
| Pretax return on assets | 1.0265% | 3,022 |
| Return on Equity (ROE) | 10.5790% | 1,902 |
| Retained earnings to average equity (ytd only) | 9.8060% | 888 |
| Net charge-offs to loans | -0.0058% | 7,125 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3725% | 4,115 |
| Assets per employee ($millions) | 3.3177% | 5,394 |
| Cash dividends to net income (ytd only)* | 7.3069% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 5,840 |
| Loan loss allowance to noncurrent loans | 50.3209% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.1493% | 3,317 |
| Noncurrent loans to loans | 2.2297% | 3,449 |
| Net loans and leases to total assets | 80.0960% | 781 |
| Net loans and leases to deposits | 97.9569% | 878 |
| Net loans and leases to core deposits | 164.4961% | 153 |
| Total domestic deposits to total assets | 81.7665% | 5,082 |
| Equity capital to assets | 10.7676% | 3,108 |
| Core capital (leverage) ratio | 10.1571% | 2,993 |
| Tier 1 risk-based capital ratio | 13.1309% | 4,338 |
| Total risk-based capital ratio | 14.2393% | 4,414 |
| Memoranda: | ||
| Average total assets | $93,327,330 | 5,271 |
| Average earning assets | $76,211,670 | 5,570 |
| Average equity | $9,055,670 | 5,489 |
| Average total loans | $69,463,330 | 4,806 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0639% | 849 |
| Cost of funding earning assets | 1.9237% | 1,357 |
| Net interest margin | 4.1402% | 2,267 |
| Noninterest income to average assets | 0.2436% | 6,209 |
| Noninterest expense to average assets | 2.4571% | 5,885 |
| Loan and lease loss provision to assets | 0.0619% | 6,022 |
| Net operating income to assets | 0.9952% | 2,208 |
| Return on assets (ROA) | 0.9952% | 2,276 |
| Pretax return on assets | 0.9952% | 3,113 |
| Return on Equity (ROE) | 10.7836% | 1,842 |
| Retained earnings to average equity (ytd only) | 10.7836% | 967 |
| Net charge-offs to loans | -0.0578% | 7,384 |
| Credit loss provision to net charge-offs | -150.0000% | 6,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9177% | 4,320 |
| Assets per employee ($millions) | 3.4632% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 5,927 |
| Loan loss allowance to noncurrent loans | 51.1184% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.8812% | 3,660 |
| Noncurrent loans to loans | 2.1872% | 3,546 |
| Net loans and leases to total assets | 73.4915% | 2,083 |
| Net loans and leases to deposits | 88.1782% | 2,192 |
| Net loans and leases to core deposits | 161.1647% | 188 |
| Total domestic deposits to total assets | 83.3444% | 4,456 |
| Equity capital to assets | 9.6892% | 4,242 |
| Core capital (leverage) ratio | 9.6219% | 3,617 |
| Tier 1 risk-based capital ratio | 12.5453% | 4,702 |
| Total risk-based capital ratio | 13.6213% | 4,809 |
| Memoranda: | ||
| Average total assets | $96,861,500 | 5,236 |
| Average earning assets | $76,518,000 | 5,621 |
| Average equity | $8,939,500 | 5,561 |
| Average total loans | $69,258,000 | 4,889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 1,213 |
| Cost of funding earning assets | 2.1802% | 2,114 |
| Net interest margin | 4.0307% | 2,742 |
| Noninterest income to average assets | -0.1352% | 7,823 |
| Noninterest expense to average assets | 2.7005% | 5,393 |
| Loan and lease loss provision to assets | 1.2113% | 1,896 |
| Net operating income to assets | -0.7679% | 6,416 |
| Return on assets (ROA) | -0.7679% | 6,411 |
| Pretax return on assets | -0.7679% | 6,245 |
| Return on Equity (ROE) | -8.0950% | 6,473 |
| Retained earnings to average equity (ytd only) | -9.9193% | 6,512 |
| Net charge-offs to loans | 1.3819% | 1,816 |
| Credit loss provision to net charge-offs | 116.5453% | 4,653 |
| Earnings coverage of net charge-offs (x) | 0.4266% | 5,675 |
| Efficiency ratio | 85.8961% | 2,125 |
| Assets per employee ($millions) | 3.8545% | 4,133 |
| Cash dividends to net income (ytd only)* | -22.5352% | 7,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,948 |
| Loan loss allowance to noncurrent loans | 52.9205% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.6564% | 3,885 |
| Noncurrent loans to loans | 2.0588% | 3,574 |
| Net loans and leases to total assets | 68.1202% | 3,681 |
| Net loans and leases to deposits | 80.3247% | 3,929 |
| Net loans and leases to core deposits | 119.9346% | 1,953 |
| Total domestic deposits to total assets | 84.8060% | 3,646 |
| Equity capital to assets | 8.7999% | 5,439 |
| Core capital (leverage) ratio | 8.9730% | 4,470 |
| Tier 1 risk-based capital ratio | 12.0317% | 4,922 |
| Total risk-based capital ratio | 13.0577% | 5,072 |
| Memoranda: | ||
| Average total assets | $92,464,600 | 5,318 |
| Average earning assets | $75,221,800 | 5,629 |
| Average equity | $8,770,800 | 5,672 |
| Average total loans | $69,540,600 | 4,879 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2061% | 1,364 |
| Cost of funding earning assets | 2.1865% | 2,467 |
| Net interest margin | 4.0196% | 2,728 |
| Noninterest income to average assets | 0.4153% | 5,171 |
| Noninterest expense to average assets | 2.7012% | 5,321 |
| Loan and lease loss provision to assets | 0.4212% | 3,803 |
| Net operating income to assets | 0.6259% | 3,514 |
| Return on assets (ROA) | 0.6259% | 3,569 |
| Pretax return on assets | 0.6259% | 4,106 |
| Return on Equity (ROE) | 6.4695% | 3,313 |
| Retained earnings to average equity (ytd only) | 4.0339% | 3,024 |
| Net charge-offs to loans | 0.3234% | 4,018 |
| Credit loss provision to net charge-offs | 169.2308% | 2,761 |
| Earnings coverage of net charge-offs (x) | 4.2071% | 3,221 |
| Efficiency ratio | 72.0629% | 4,234 |
| Assets per employee ($millions) | 3.8471% | 4,088 |
| Cash dividends to net income (ytd only)* | 37.6476% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 6,355 |
| Loan loss allowance to noncurrent loans | 32.3021% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 2.9143% | 2,378 |
| Noncurrent loans to loans | 3.0643% | 2,471 |
| Net loans and leases to total assets | 71.0022% | 3,269 |
| Net loans and leases to deposits | 84.0981% | 3,627 |
| Net loans and leases to core deposits | 138.6487% | 981 |
| Total domestic deposits to total assets | 84.4279% | 3,516 |
| Equity capital to assets | 8.8518% | 5,707 |
| Core capital (leverage) ratio | 9.3196% | 4,157 |
| Tier 1 risk-based capital ratio | 11.6368% | 5,298 |
| Total risk-based capital ratio | 12.5700% | 5,565 |
| Memoranda: | ||
| Average total assets | $90,526,500 | 5,411 |
| Average earning assets | $75,064,500 | 5,669 |
| Average equity | $8,758,750 | 5,733 |
| Average total loans | $69,670,750 | 4,928 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2326% | 1,378 |
| Cost of funding earning assets | 2.1685% | 2,944 |
| Net interest margin | 4.0642% | 2,451 |
| Noninterest income to average assets | 0.4670% | 4,731 |
| Noninterest expense to average assets | 2.7587% | 5,139 |
| Loan and lease loss provision to assets | 0.2747% | 4,383 |
| Net operating income to assets | 0.8791% | 2,541 |
| Return on assets (ROA) | 0.8791% | 2,649 |
| Pretax return on assets | 0.8791% | 3,405 |
| Return on Equity (ROE) | 8.8003% | 2,426 |
| Retained earnings to average equity (ytd only) | 5.5460% | 2,228 |
| Net charge-offs to loans | 0.0087% | 6,451 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 246 |
| Efficiency ratio | 70.5091% | 4,678 |
| Assets per employee ($millions) | 3.4956% | 4,823 |
| Cash dividends to net income (ytd only)* | 36.9792% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 6,283 |
| Loan loss allowance to noncurrent loans | 31.7816% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 3.3118% | 1,880 |
| Noncurrent loans to loans | 3.1323% | 2,279 |
| Net loans and leases to total assets | 77.6918% | 1,820 |
| Net loans and leases to deposits | 93.4911% | 2,172 |
| Net loans and leases to core deposits | 156.7740% | 501 |
| Total domestic deposits to total assets | 83.1008% | 4,193 |
| Equity capital to assets | 9.7166% | 4,325 |
| Core capital (leverage) ratio | 10.1948% | 3,098 |
| Tier 1 risk-based capital ratio | 11.9746% | 4,945 |
| Total risk-based capital ratio | 12.9373% | 5,141 |
| Memoranda: | ||
| Average total assets | $87,360,330 | 5,540 |
| Average earning assets | $74,061,670 | 5,741 |
| Average equity | $8,727,000 | 5,769 |
| Average total loans | $68,984,330 | 4,997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2888% | 1,329 |
| Cost of funding earning assets | 2.1524% | 3,405 |
| Net interest margin | 4.1364% | 2,137 |
| Noninterest income to average assets | 0.4953% | 4,363 |
| Noninterest expense to average assets | 2.7758% | 4,674 |
| Loan and lease loss provision to assets | 0.1402% | 5,155 |
| Net operating income to assets | 1.1355% | 1,849 |
| Return on assets (ROA) | 1.1355% | 1,962 |
| Pretax return on assets | 1.1355% | 2,848 |
| Return on Equity (ROE) | 11.2046% | 1,912 |
| Retained earnings to average equity (ytd only) | 7.9308% | 1,839 |
| Net charge-offs to loans | 0.0177% | 5,329 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 471 |
| Efficiency ratio | 68.5121% | 4,866 |
| Assets per employee ($millions) | 3.2447% | 5,477 |
| Cash dividends to net income (ytd only)* | 29.2181% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 6,790 |
| Loan loss allowance to noncurrent loans | 28.2976% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 3.7458% | 1,413 |
| Noncurrent loans to loans | 3.1513% | 2,050 |
| Net loans and leases to total assets | 81.6799% | 1,065 |
| Net loans and leases to deposits | 99.9144% | 1,418 |
| Net loans and leases to core deposits | 147.3137% | 802 |
| Total domestic deposits to total assets | 81.7499% | 4,657 |
| Equity capital to assets | 10.3851% | 3,576 |
| Core capital (leverage) ratio | 10.5081% | 2,914 |
| Tier 1 risk-based capital ratio | 12.3043% | 4,704 |
| Total risk-based capital ratio | 13.1750% | 4,930 |
| Memoranda: | ||
| Average total assets | $85,597,500 | 5,624 |
| Average earning assets | $73,591,000 | 5,789 |
| Average equity | $8,675,000 | 5,821 |
| Average total loans | $67,816,000 | 5,056 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4455% | 3,204 |
| Cost of funding earning assets | 2.6633% | 3,346 |
| Net interest margin | 3.7822% | 4,093 |
| Noninterest income to average assets | 0.4417% | 5,099 |
| Noninterest expense to average assets | 2.6627% | 5,403 |
| Loan and lease loss provision to assets | 0.1166% | 5,884 |
| Net operating income to assets | 0.9926% | 2,588 |
| Return on assets (ROA) | 0.9926% | 2,468 |
| Pretax return on assets | 0.9926% | 3,405 |
| Return on Equity (ROE) | 9.5634% | 2,412 |
| Retained earnings to average equity (ytd only) | 6.0369% | 1,514 |
| Net charge-offs to loans | 0.0958% | 5,369 |
| Credit loss provision to net charge-offs | 159.3220% | 3,244 |
| Earnings coverage of net charge-offs (x) | 15.1525% | 1,957 |
| Efficiency ratio | 70.5921% | 4,232 |
| Assets per employee ($millions) | 3.3398% | 5,117 |
| Cash dividends to net income (ytd only)* | 36.8750% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 6,693 |
| Loan loss allowance to noncurrent loans | 23.3373% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 4.0422% | 1,010 |
| Noncurrent loans to loans | 3.8438% | 1,290 |
| Net loans and leases to total assets | 75.4463% | 2,772 |
| Net loans and leases to deposits | 91.2959% | 3,244 |
| Net loans and leases to core deposits | 124.5850% | 2,283 |
| Total domestic deposits to total assets | 82.6393% | 3,928 |
| Equity capital to assets | 9.8913% | 4,170 |
| Core capital (leverage) ratio | 10.3193% | 3,157 |
| Tier 1 risk-based capital ratio | 12.4597% | 4,466 |
| Total risk-based capital ratio | 13.3200% | 4,649 |
| Memoranda: | ||
| Average total assets | $80,595,800 | 5,681 |
| Average earning assets | $70,964,200 | 5,780 |
| Average equity | $8,365,200 | 5,958 |
| Average total loans | $61,616,400 | 5,195 |