Home > Centennial Bank > Performance and Condition Ratios
Centennial 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 | 6.5235% | 341 |
| Cost of funding earning assets | 1.5762% | 1,757 |
| Net interest margin | 4.9473% | 339 |
| Noninterest income to average assets | 1.5500% | 376 |
| Noninterest expense to average assets | 3.0926% | 972 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 2.2315% | 325 |
| Return on assets (ROA) | 2.2315% | 314 |
| Pretax return on assets | 2.7470% | 268 |
| Return on Equity (ROE) | 20.1200% | 608 |
| Retained earnings to average equity (ytd only) | 10.5813% | 885 |
| Net charge-offs to loans | 0.0884% | 988 |
| Credit loss provision to net charge-offs | 202.7719% | 1,216 |
| Earnings coverage of net charge-offs (x) | 42.2047% | 1,416 |
| Efficiency ratio | 48.6363% | 4,057 |
| Assets per employee ($millions) | 4.4801% | 3,963 |
| Cash dividends to net income (ytd only)* | 47.4044% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 636 |
| Loan loss allowance to noncurrent loans | 624.3655% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 2,063 |
| Noncurrent loans to loans | 0.2747% | 2,199 |
| Net loans and leases to total assets | 79.6500% | 684 |
| Net loans and leases to deposits | 92.3717% | 1,060 |
| Net loans and leases to core deposits | 103.1259% | 1,268 |
| Total domestic deposits to total assets | 86.2200% | 1,943 |
| Equity capital to assets | 11.2551% | 1,388 |
| Core capital (leverage) ratio | 11.3988% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5555% | 2,043 |
| Memoranda: | ||
| Average total assets | $675,926,600 | 1,341 |
| Average earning assets | $610,439,400 | 1,362 |
| Average equity | $74,972,200 | 1,182 |
| Average total loans | $530,262,200 | 1,180 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3798% | 348 |
| Cost of funding earning assets | 1.3920% | 1,894 |
| Net interest margin | 4.9878% | 312 |
| Noninterest income to average assets | 1.8200% | 316 |
| Noninterest expense to average assets | 3.0289% | 1,032 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.3750% | 299 |
| Return on assets (ROA) | 2.3750% | 290 |
| Pretax return on assets | 3.0952% | 214 |
| Return on Equity (ROE) | 21.5000% | 598 |
| Retained earnings to average equity (ytd only) | 12.9142% | 830 |
| Net charge-offs to loans | 0.1068% | 741 |
| Credit loss provision to net charge-offs | 155.7692% | 1,298 |
| Earnings coverage of net charge-offs (x) | 39.4928% | 1,453 |
| Efficiency ratio | 45.3786% | 4,168 |
| Assets per employee ($millions) | 4.6286% | 3,863 |
| Cash dividends to net income (ytd only)* | 39.9227% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 638 |
| Loan loss allowance to noncurrent loans | 541.8079% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 1,997 |
| Noncurrent loans to loans | 0.3223% | 2,077 |
| Net loans and leases to total assets | 77.7300% | 915 |
| Net loans and leases to deposits | 90.5035% | 1,196 |
| Net loans and leases to core deposits | 100.4794% | 1,293 |
| Total domestic deposits to total assets | 85.8800% | 2,237 |
| Equity capital to assets | 11.1575% | 1,287 |
| Core capital (leverage) ratio | 11.6075% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9091% | 1,930 |
| Memoranda: | ||
| Average total assets | $667,945,500 | 1,353 |
| Average earning assets | $600,922,750 | 1,375 |
| Average equity | $73,798,000 | 1,192 |
| Average total loans | $519,423,250 | 1,197 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 351 |
| Cost of funding earning assets | 1.1128% | 2,239 |
| Net interest margin | 5.0765% | 281 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.9741% | 1,083 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.6375% | 892 |
| Return on assets (ROA) | 1.6375% | 896 |
| Pretax return on assets | 2.1894% | 547 |
| Return on Equity (ROE) | 14.8700% | 1,494 |
| Retained earnings to average equity (ytd only) | 7.2945% | 2,196 |
| Net charge-offs to loans | 0.1319% | 562 |
| Credit loss provision to net charge-offs | 117.5595% | 1,339 |
| Earnings coverage of net charge-offs (x) | 23.2798% | 1,675 |
| Efficiency ratio | 52.4682% | 3,743 |
| Assets per employee ($millions) | 4.4709% | 3,968 |
| Cash dividends to net income (ytd only)* | 50.9542% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 652 |
| Loan loss allowance to noncurrent loans | 538.9811% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 1,869 |
| Noncurrent loans to loans | 0.3291% | 1,948 |
| Net loans and leases to total assets | 77.2400% | 911 |
| Net loans and leases to deposits | 91.1614% | 1,092 |
| Net loans and leases to core deposits | 101.3088% | 1,168 |
| Total domestic deposits to total assets | 84.7300% | 2,614 |
| Equity capital to assets | 10.9318% | 1,416 |
| Core capital (leverage) ratio | 11.3093% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4426% | 2,119 |
| Memoranda: | ||
| Average total assets | $659,163,000 | 1,362 |
| Average earning assets | $592,577,333 | 1,396 |
| Average equity | $72,575,333 | 1,207 |
| Average total loans | $509,479,000 | 1,195 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9954% | 313 |
| Cost of funding earning assets | 0.9360% | 2,255 |
| Net interest margin | 5.0594% | 274 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.9786% | 1,095 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.3864% | 1,443 |
| Return on assets (ROA) | 1.3864% | 1,415 |
| Pretax return on assets | 1.9269% | 876 |
| Return on Equity (ROE) | 12.5500% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.5974% | 2,868 |
| Net charge-offs to loans | 0.0361% | 1,010 |
| Credit loss provision to net charge-offs | 295.5556% | 700 |
| Earnings coverage of net charge-offs (x) | 76.4444% | 913 |
| Efficiency ratio | 55.1574% | 3,493 |
| Assets per employee ($millions) | 4.4242% | 4,063 |
| Cash dividends to net income (ytd only)* | 55.3833% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 539 |
| Loan loss allowance to noncurrent loans | 449.1679% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 1,564 |
| Noncurrent loans to loans | 0.4219% | 1,676 |
| Net loans and leases to total assets | 74.6900% | 1,115 |
| Net loans and leases to deposits | 86.0234% | 1,349 |
| Net loans and leases to core deposits | 91.7847% | 1,512 |
| Total domestic deposits to total assets | 86.8200% | 2,332 |
| Equity capital to assets | 11.0818% | 1,314 |
| Core capital (leverage) ratio | 11.2495% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8684% | 2,021 |
| Memoranda: | ||
| Average total assets | $651,188,500 | 1,392 |
| Average earning assets | $585,044,000 | 1,430 |
| Average equity | $71,962,000 | 1,227 |
| Average total loans | $498,772,500 | 1,228 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 321 |
| Cost of funding earning assets | 0.4794% | 1,535 |
| Net interest margin | 4.4776% | 306 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.7246% | 1,502 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.1460% | 1,989 |
| Return on assets (ROA) | 1.1459% | 1,930 |
| Pretax return on assets | 1.5490% | 1,298 |
| Return on Equity (ROE) | 10.9200% | 2,499 |
| Retained earnings to average equity (ytd only) | 4.3642% | 3,281 |
| Net charge-offs to loans | 0.0289% | 1,486 |
| Credit loss provision to net charge-offs | 1,343.2836% | 350 |
| Earnings coverage of net charge-offs (x) | 91.5597% | 1,014 |
| Efficiency ratio | 56.3946% | 3,537 |
| Assets per employee ($millions) | 4.2605% | 4,166 |
| Cash dividends to net income (ytd only)* | 60.0465% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 561 |
| Loan loss allowance to noncurrent loans | 405.9870% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 1,438 |
| Noncurrent loans to loans | 0.4619% | 1,555 |
| Net loans and leases to total assets | 75.6200% | 1,041 |
| Net loans and leases to deposits | 85.9882% | 1,315 |
| Net loans and leases to core deposits | 90.6978% | 1,467 |
| Total domestic deposits to total assets | 87.9400% | 2,088 |
| Equity capital to assets | 11.0196% | 1,251 |
| Core capital (leverage) ratio | 10.8892% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6674% | 2,099 |
| Memoranda: | ||
| Average total assets | $675,808,600 | 1,335 |
| Average earning assets | $611,799,800 | 1,365 |
| Average equity | $70,894,200 | 1,236 |
| Average total loans | $463,198,400 | 1,244 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 358 |
| Cost of funding earning assets | 0.4538% | 962 |
| Net interest margin | 4.2415% | 385 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.6224% | 1,661 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 0.8868% | 2,936 |
| Return on assets (ROA) | 0.8866% | 2,904 |
| Pretax return on assets | 1.4304% | 1,627 |
| Return on Equity (ROE) | 8.5500% | 3,166 |
| Retained earnings to average equity (ytd only) | 2.9029% | 3,796 |
| Net charge-offs to loans | 0.0481% | 1,003 |
| Credit loss provision to net charge-offs | 823.1707% | 463 |
| Earnings coverage of net charge-offs (x) | 52.9085% | 1,253 |
| Efficiency ratio | 56.9839% | 3,519 |
| Assets per employee ($millions) | 4.5311% | 4,031 |
| Cash dividends to net income (ytd only)* | 66.0647% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 668 |
| Loan loss allowance to noncurrent loans | 295.4409% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 1,190 |
| Noncurrent loans to loans | 0.6252% | 1,301 |
| Net loans and leases to total assets | 71.3200% | 1,360 |
| Net loans and leases to deposits | 80.8284% | 1,533 |
| Net loans and leases to core deposits | 84.9062% | 1,589 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 10.4849% | 1,376 |
| Core capital (leverage) ratio | 10.3129% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7351% | 2,158 |
| Memoranda: | ||
| Average total assets | $682,862,500 | 1,338 |
| Average earning assets | $618,703,000 | 1,362 |
| Average equity | $70,777,250 | 1,251 |
| Average total loans | $454,230,500 | 1,255 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 388 |
| Cost of funding earning assets | 0.4356% | 742 |
| Net interest margin | 4.0402% | 456 |
| Noninterest income to average assets | 0.4612% | 2,392 |
| Noninterest expense to average assets | 2.5917% | 1,657 |
| Loan and lease loss provision to assets | 0.2609% | 269 |
| Net operating income to assets | 0.7916% | 2,991 |
| Return on assets (ROA) | 0.7916% | 2,958 |
| Pretax return on assets | 1.2864% | 1,789 |
| Return on Equity (ROE) | 7.6661% | 3,111 |
| Retained earnings to average equity (ytd only) | 2.0520% | 3,734 |
| Net charge-offs to loans | -0.0566% | 4,285 |
| Credit loss provision to net charge-offs | -714.2857% | 3,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7296% | 3,464 |
| Assets per employee ($millions) | 4.7018% | 3,930 |
| Cash dividends to net income (ytd only)* | 73.2332% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 652 |
| Loan loss allowance to noncurrent loans | 278.0861% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 1,228 |
| Noncurrent loans to loans | 0.6863% | 1,256 |
| Net loans and leases to total assets | 65.7264% | 1,730 |
| Net loans and leases to deposits | 74.1228% | 1,860 |
| Net loans and leases to core deposits | 78.2931% | 1,839 |
| Total domestic deposits to total assets | 88.6723% | 2,313 |
| Equity capital to assets | 10.1365% | 1,633 |
| Core capital (leverage) ratio | 9.8884% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3576% | 1,914 |
| Memoranda: | ||
| Average total assets | $689,969,667 | 1,331 |
| Average earning assets | $628,082,667 | 1,356 |
| Average equity | $71,249,000 | 1,276 |
| Average total loans | $445,417,000 | 1,269 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 391 |
| Cost of funding earning assets | 0.4500% | 657 |
| Net interest margin | 3.9341% | 465 |
| Noninterest income to average assets | 0.4109% | 2,610 |
| Noninterest expense to average assets | 2.5311% | 1,803 |
| Loan and lease loss provision to assets | 0.2593% | 249 |
| Net operating income to assets | 0.7313% | 2,926 |
| Return on assets (ROA) | 0.7313% | 2,916 |
| Pretax return on assets | 1.2074% | 1,786 |
| Return on Equity (ROE) | 7.0188% | 3,033 |
| Retained earnings to average equity (ytd only) | 1.4878% | 3,698 |
| Net charge-offs to loans | -0.1374% | 4,533 |
| Credit loss provision to net charge-offs | -298.0132% | 3,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3052% | 3,554 |
| Assets per employee ($millions) | 4.9896% | 3,765 |
| Cash dividends to net income (ytd only)* | 78.8022% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8741% | 778 |
| Loan loss allowance to noncurrent loans | 228.0176% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 1,152 |
| Noncurrent loans to loans | 0.8219% | 1,148 |
| Net loans and leases to total assets | 62.1586% | 1,839 |
| Net loans and leases to deposits | 70.7336% | 1,890 |
| Net loans and leases to core deposits | 74.8743% | 1,863 |
| Total domestic deposits to total assets | 87.8771% | 2,580 |
| Equity capital to assets | 10.1873% | 1,766 |
| Core capital (leverage) ratio | 9.7662% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5066% | 1,988 |
| Memoranda: | ||
| Average total assets | $694,074,000 | 1,331 |
| Average earning assets | $632,821,500 | 1,356 |
| Average equity | $72,320,000 | 1,299 |
| Average total loans | $439,718,000 | 1,270 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 353 |
| Cost of funding earning assets | 0.6322% | 461 |
| Net interest margin | 4.1798% | 507 |
| Noninterest income to average assets | 0.4942% | 2,597 |
| Noninterest expense to average assets | 2.6287% | 1,803 |
| Loan and lease loss provision to assets | 0.3609% | 200 |
| Net operating income to assets | 0.8208% | 3,271 |
| Return on assets (ROA) | 1.0698% | 2,488 |
| Pretax return on assets | 1.5465% | 1,581 |
| Return on Equity (ROE) | 9.8441% | 2,585 |
| Retained earnings to average equity (ytd only) | 3.7555% | 3,314 |
| Net charge-offs to loans | 0.1256% | 723 |
| Credit loss provision to net charge-offs | 435.5717% | 873 |
| Earnings coverage of net charge-offs (x) | 19.2160% | 1,882 |
| Efficiency ratio | 58.3226% | 3,393 |
| Assets per employee ($millions) | 4.7233% | 3,948 |
| Cash dividends to net income (ytd only)* | 61.8499% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 929 |
| Loan loss allowance to noncurrent loans | 219.5205% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 1,305 |
| Noncurrent loans to loans | 0.8019% | 1,274 |
| Net loans and leases to total assets | 62.2452% | 1,908 |
| Net loans and leases to deposits | 71.1692% | 1,998 |
| Net loans and leases to core deposits | 75.3568% | 1,971 |
| Total domestic deposits to total assets | 87.4608% | 2,305 |
| Equity capital to assets | 10.6550% | 2,042 |
| Core capital (leverage) ratio | 9.8703% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5804% | 2,026 |
| Memoranda: | ||
| Average total assets | $664,973,800 | 1,333 |
| Average earning assets | $592,894,600 | 1,390 |
| Average equity | $72,266,600 | 1,317 |
| Average total loans | $438,616,800 | 1,291 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 357 |
| Cost of funding earning assets | 0.6703% | 451 |
| Net interest margin | 4.2147% | 526 |
| Noninterest income to average assets | 0.4922% | 2,657 |
| Noninterest expense to average assets | 2.6307% | 1,751 |
| Loan and lease loss provision to assets | 0.3643% | 189 |
| Net operating income to assets | 0.8551% | 3,374 |
| Return on assets (ROA) | 0.8779% | 3,385 |
| Pretax return on assets | 1.2610% | 2,731 |
| Return on Equity (ROE) | 8.0372% | 3,393 |
| Retained earnings to average equity (ytd only) | 2.4790% | 4,060 |
| Net charge-offs to loans | 0.1424% | 578 |
| Credit loss provision to net charge-offs | 383.7953% | 879 |
| Earnings coverage of net charge-offs (x) | 16.8188% | 1,827 |
| Efficiency ratio | 58.2468% | 3,225 |
| Assets per employee ($millions) | 4.5726% | 4,069 |
| Cash dividends to net income (ytd only)* | 69.1563% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,320 |
| Loan loss allowance to noncurrent loans | 205.6766% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 1,458 |
| Noncurrent loans to loans | 0.7821% | 1,446 |
| Net loans and leases to total assets | 65.7273% | 1,575 |
| Net loans and leases to deposits | 75.4856% | 1,716 |
| Net loans and leases to core deposits | 80.6842% | 1,681 |
| Total domestic deposits to total assets | 87.0726% | 2,331 |
| Equity capital to assets | 10.8879% | 2,092 |
| Core capital (leverage) ratio | 9.5092% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1864% | 2,299 |
| Memoranda: | ||
| Average total assets | $658,817,250 | 1,360 |
| Average earning assets | $583,809,750 | 1,424 |
| Average equity | $71,964,000 | 1,335 |
| Average total loans | $439,037,250 | 1,308 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 499 |
| Cost of funding earning assets | 0.7112% | 441 |
| Net interest margin | 4.0387% | 768 |
| Noninterest income to average assets | 0.5031% | 2,609 |
| Noninterest expense to average assets | 2.6263% | 1,786 |
| Loan and lease loss provision to assets | 0.3659% | 201 |
| Net operating income to assets | 0.7532% | 3,634 |
| Return on assets (ROA) | 0.7760% | 3,641 |
| Pretax return on assets | 1.0932% | 3,238 |
| Return on Equity (ROE) | 7.0967% | 3,635 |
| Retained earnings to average equity (ytd only) | 1.5197% | 4,238 |
| Net charge-offs to loans | 0.1232% | 632 |
| Credit loss provision to net charge-offs | 446.0967% | 721 |
| Earnings coverage of net charge-offs (x) | 17.4349% | 1,577 |
| Efficiency ratio | 60.5728% | 2,932 |
| Assets per employee ($millions) | 4.4125% | 4,174 |
| Cash dividends to net income (ytd only)* | 78.5855% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 1,550 |
| Loan loss allowance to noncurrent loans | 133.2678% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 1,076 |
| Noncurrent loans to loans | 1.1341% | 1,066 |
| Net loans and leases to total assets | 66.2498% | 1,670 |
| Net loans and leases to deposits | 76.0639% | 1,814 |
| Net loans and leases to core deposits | 81.9866% | 1,728 |
| Total domestic deposits to total assets | 87.0975% | 2,265 |
| Equity capital to assets | 10.8013% | 2,150 |
| Core capital (leverage) ratio | 9.6939% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3932% | 2,208 |
| Memoranda: | ||
| Average total assets | $655,891,333 | 1,353 |
| Average earning assets | $577,072,000 | 1,426 |
| Average equity | $71,723,000 | 1,331 |
| Average total loans | $436,727,667 | 1,313 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 509 |
| Cost of funding earning assets | 0.7529% | 443 |
| Net interest margin | 4.0194% | 819 |
| Noninterest income to average assets | 0.4235% | 2,968 |
| Noninterest expense to average assets | 2.6304% | 1,799 |
| Loan and lease loss provision to assets | 0.3688% | 219 |
| Net operating income to assets | 0.7000% | 3,705 |
| Return on assets (ROA) | 0.7223% | 3,722 |
| Pretax return on assets | 0.9971% | 3,380 |
| Return on Equity (ROE) | 6.5642% | 3,714 |
| Retained earnings to average equity (ytd only) | 0.9776% | 4,222 |
| Net charge-offs to loans | 0.2357% | 361 |
| Credit loss provision to net charge-offs | 236.2205% | 838 |
| Earnings coverage of net charge-offs (x) | 8.5669% | 1,573 |
| Efficiency ratio | 61.9830% | 2,763 |
| Assets per employee ($millions) | 4.3786% | 4,212 |
| Cash dividends to net income (ytd only)* | 85.1064% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,760 |
| Loan loss allowance to noncurrent loans | 136.3296% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 1,285 |
| Noncurrent loans to loans | 1.0655% | 1,262 |
| Net loans and leases to total assets | 63.9170% | 2,054 |
| Net loans and leases to deposits | 73.6192% | 2,145 |
| Net loans and leases to core deposits | 79.5442% | 2,048 |
| Total domestic deposits to total assets | 86.8210% | 2,383 |
| Equity capital to assets | 10.8941% | 1,941 |
| Core capital (leverage) ratio | 9.8426% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9096% | 1,925 |
| Memoranda: | ||
| Average total assets | $650,695,500 | 1,353 |
| Average earning assets | $573,811,000 | 1,424 |
| Average equity | $71,601,000 | 1,327 |
| Average total loans | $430,999,000 | 1,328 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 265 |
| Cost of funding earning assets | 0.9500% | 715 |
| Net interest margin | 4.3486% | 458 |
| Noninterest income to average assets | 0.4674% | 2,783 |
| Noninterest expense to average assets | 2.7490% | 2,078 |
| Loan and lease loss provision to assets | 0.5009% | 493 |
| Net operating income to assets | 0.8218% | 3,010 |
| Return on assets (ROA) | 0.8489% | 3,041 |
| Pretax return on assets | 1.1424% | 2,542 |
| Return on Equity (ROE) | 7.3423% | 3,052 |
| Retained earnings to average equity (ytd only) | 1.4905% | 4,039 |
| Net charge-offs to loans | 0.5320% | 294 |
| Credit loss provision to net charge-offs | 131.5068% | 2,545 |
| Earnings coverage of net charge-offs (x) | 4.2243% | 3,011 |
| Efficiency ratio | 58.6591% | 3,641 |
| Assets per employee ($millions) | 4.2688% | 4,155 |
| Cash dividends to net income (ytd only)* | 79.7004% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,232 |
| Loan loss allowance to noncurrent loans | 119.3667% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 1,290 |
| Noncurrent loans to loans | 1.1227% | 1,260 |
| Net loans and leases to total assets | 66.7338% | 1,988 |
| Net loans and leases to deposits | 77.1603% | 2,159 |
| Net loans and leases to core deposits | 83.7848% | 2,056 |
| Total domestic deposits to total assets | 86.4873% | 2,159 |
| Equity capital to assets | 11.1155% | 2,163 |
| Core capital (leverage) ratio | 9.9548% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4206% | 2,079 |
| Memoranda: | ||
| Average total assets | $613,348,800 | 1,310 |
| Average earning assets | $548,722,400 | 1,353 |
| Average equity | $70,917,600 | 1,281 |
| Average total loans | $439,085,800 | 1,256 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 335 |
| Cost of funding earning assets | 0.9862% | 798 |
| Net interest margin | 4.3409% | 540 |
| Noninterest income to average assets | 0.4335% | 2,919 |
| Noninterest expense to average assets | 2.7985% | 1,968 |
| Loan and lease loss provision to assets | 0.5073% | 571 |
| Net operating income to assets | 0.7423% | 3,307 |
| Return on assets (ROA) | 0.7709% | 3,319 |
| Pretax return on assets | 1.0668% | 2,859 |
| Return on Equity (ROE) | 6.5992% | 3,343 |
| Retained earnings to average equity (ytd only) | 1.4156% | 4,106 |
| Net charge-offs to loans | 0.4868% | 306 |
| Credit loss provision to net charge-offs | 143.4620% | 2,363 |
| Earnings coverage of net charge-offs (x) | 4.3493% | 2,830 |
| Efficiency ratio | 60.0355% | 3,386 |
| Assets per employee ($millions) | 4.1780% | 4,163 |
| Cash dividends to net income (ytd only)* | 78.5490% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,355 |
| Loan loss allowance to noncurrent loans | 103.1267% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 1,198 |
| Noncurrent loans to loans | 1.2207% | 1,248 |
| Net loans and leases to total assets | 73.1420% | 1,483 |
| Net loans and leases to deposits | 85.3091% | 1,778 |
| Net loans and leases to core deposits | 92.7915% | 1,729 |
| Total domestic deposits to total assets | 85.7376% | 2,168 |
| Equity capital to assets | 11.4771% | 2,022 |
| Core capital (leverage) ratio | 10.1099% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9466% | 2,228 |
| Memoranda: | ||
| Average total assets | $605,537,250 | 1,302 |
| Average earning assets | $544,449,750 | 1,339 |
| Average equity | $70,734,500 | 1,270 |
| Average total loans | $439,855,750 | 1,246 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 403 |
| Cost of funding earning assets | 1.0178% | 933 |
| Net interest margin | 4.3828% | 643 |
| Noninterest income to average assets | 0.4044% | 3,048 |
| Noninterest expense to average assets | 2.8329% | 2,013 |
| Loan and lease loss provision to assets | 0.5121% | 681 |
| Net operating income to assets | 0.7374% | 3,251 |
| Return on assets (ROA) | 0.7445% | 3,346 |
| Pretax return on assets | 1.0235% | 2,954 |
| Return on Equity (ROE) | 6.3351% | 3,388 |
| Retained earnings to average equity (ytd only) | 1.3703% | 3,981 |
| Net charge-offs to loans | 0.6142% | 259 |
| Credit loss provision to net charge-offs | 115.5756% | 2,306 |
| Earnings coverage of net charge-offs (x) | 3.4454% | 2,677 |
| Efficiency ratio | 60.4619% | 3,347 |
| Assets per employee ($millions) | 4.0703% | 4,237 |
| Cash dividends to net income (ytd only)* | 78.3699% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,575 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 1,559 |
| Noncurrent loans to loans | 1.0571% | 1,477 |
| Net loans and leases to total assets | 71.0838% | 1,856 |
| Net loans and leases to deposits | 83.0727% | 2,088 |
| Net loans and leases to core deposits | 90.7559% | 2,012 |
| Total domestic deposits to total assets | 85.5682% | 2,175 |
| Equity capital to assets | 11.4345% | 2,019 |
| Core capital (leverage) ratio | 10.1958% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0651% | 2,152 |
| Memoranda: | ||
| Average total assets | $599,874,333 | 1,296 |
| Average earning assets | $541,339,000 | 1,327 |
| Average equity | $70,496,667 | 1,259 |
| Average total loans | $432,763,333 | 1,248 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5303% | 349 |
| Cost of funding earning assets | 1.0718% | 1,132 |
| Net interest margin | 4.4585% | 553 |
| Noninterest income to average assets | 0.4561% | 2,759 |
| Noninterest expense to average assets | 2.9733% | 1,948 |
| Loan and lease loss provision to assets | 0.5221% | 559 |
| Net operating income to assets | 0.7155% | 3,223 |
| Return on assets (ROA) | 0.7274% | 3,261 |
| Pretax return on assets | 1.0278% | 2,750 |
| Return on Equity (ROE) | 6.1021% | 3,281 |
| Retained earnings to average equity (ytd only) | 1.8249% | 3,503 |
| Net charge-offs to loans | 0.7574% | 201 |
| Credit loss provision to net charge-offs | 95.4037% | 1,875 |
| Earnings coverage of net charge-offs (x) | 2.8050% | 2,254 |
| Efficiency ratio | 61.4897% | 3,556 |
| Assets per employee ($millions) | 3.9842% | 3,934 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,680 |
| Loan loss allowance to noncurrent loans | 98.3317% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 1,325 |
| Noncurrent loans to loans | 1.2196% | 1,338 |
| Net loans and leases to total assets | 70.8247% | 2,116 |
| Net loans and leases to deposits | 83.4256% | 2,291 |
| Net loans and leases to core deposits | 91.6918% | 2,196 |
| Total domestic deposits to total assets | 84.8956% | 2,446 |
| Equity capital to assets | 11.8803% | 2,156 |
| Core capital (leverage) ratio | 10.4907% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1245% | 2,227 |
| Memoranda: | ||
| Average total assets | $588,430,500 | 1,277 |
| Average earning assets | $534,800,000 | 1,300 |
| Average equity | $70,140,000 | 1,256 |
| Average total loans | $425,139,500 | 1,232 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1337% | 186 |
| Cost of funding earning assets | 1.1904% | 1,044 |
| Net interest margin | 4.9433% | 298 |
| Noninterest income to average assets | 0.7894% | 1,480 |
| Noninterest expense to average assets | 3.1712% | 1,589 |
| Loan and lease loss provision to assets | 0.5345% | 234 |
| Net operating income to assets | 1.1280% | 2,346 |
| Return on assets (ROA) | 1.1282% | 2,438 |
| Pretax return on assets | 1.5095% | 1,782 |
| Return on Equity (ROE) | 9.6758% | 2,445 |
| Retained earnings to average equity (ytd only) | -3.7072% | 4,941 |
| Net charge-offs to loans | 0.7701% | 215 |
| Credit loss provision to net charge-offs | 89.8366% | 2,655 |
| Earnings coverage of net charge-offs (x) | 3.4350% | 3,324 |
| Efficiency ratio | 57.4683% | 4,030 |
| Assets per employee ($millions) | 3.8632% | 4,079 |
| Cash dividends to net income (ytd only)* | 138.3144% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,462 |
| Loan loss allowance to noncurrent loans | 94.2588% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0664% | 1,161 |
| Noncurrent loans to loans | 1.2669% | 1,186 |
| Net loans and leases to total assets | 71.9480% | 2,100 |
| Net loans and leases to deposits | 84.9434% | 2,214 |
| Net loans and leases to core deposits | 93.5999% | 2,106 |
| Total domestic deposits to total assets | 84.7011% | 2,607 |
| Equity capital to assets | 11.9595% | 2,158 |
| Core capital (leverage) ratio | 10.3565% | 3,124 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,005 |
| Total risk-based capital ratio | 13.6864% | 3,983 |
| Memoranda: | ||
| Average total assets | $514,287,200 | 1,392 |
| Average earning assets | $460,422,000 | 1,431 |
| Average equity | $59,963,800 | 1,376 |
| Average total loans | $397,373,400 | 1,272 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2373% | 165 |
| Cost of funding earning assets | 1.2018% | 1,038 |
| Net interest margin | 5.0355% | 270 |
| Noninterest income to average assets | 0.8773% | 1,204 |
| Noninterest expense to average assets | 3.1904% | 1,484 |
| Loan and lease loss provision to assets | 0.6037% | 190 |
| Net operating income to assets | 1.1238% | 2,478 |
| Return on assets (ROA) | 1.1240% | 2,571 |
| Pretax return on assets | 1.5522% | 1,805 |
| Return on Equity (ROE) | 9.7144% | 2,561 |
| Retained earnings to average equity (ytd only) | -6.2556% | 5,093 |
| Net charge-offs to loans | 0.6687% | 239 |
| Credit loss provision to net charge-offs | 114.8849% | 2,028 |
| Earnings coverage of net charge-offs (x) | 4.1023% | 3,042 |
| Efficiency ratio | 56.6616% | 4,099 |
| Assets per employee ($millions) | 3.8432% | 4,111 |
| Cash dividends to net income (ytd only)* | 164.3951% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 1,916 |
| Loan loss allowance to noncurrent loans | 93.2678% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 1,139 |
| Noncurrent loans to loans | 1.4074% | 1,084 |
| Net loans and leases to total assets | 73.2808% | 1,948 |
| Net loans and leases to deposits | 86.7878% | 2,094 |
| Net loans and leases to core deposits | 95.6712% | 2,031 |
| Total domestic deposits to total assets | 84.4368% | 2,653 |
| Equity capital to assets | 11.9304% | 2,310 |
| Core capital (leverage) ratio | 10.3652% | 3,234 |
| Tier 1 risk-based capital ratio | 12.3874% | 4,201 |
| Total risk-based capital ratio | 13.5816% | 4,118 |
| Memoranda: | ||
| Average total assets | $496,057,750 | 1,441 |
| Average earning assets | $440,224,000 | 1,488 |
| Average equity | $57,398,000 | 1,413 |
| Average total loans | $389,819,750 | 1,305 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1917% | 173 |
| Cost of funding earning assets | 1.1984% | 1,004 |
| Net interest margin | 4.9933% | 291 |
| Noninterest income to average assets | 0.6973% | 1,725 |
| Noninterest expense to average assets | 3.1040% | 1,722 |
| Loan and lease loss provision to assets | 0.4208% | 287 |
| Net operating income to assets | 1.1438% | 2,351 |
| Return on assets (ROA) | 1.1438% | 2,428 |
| Pretax return on assets | 1.5831% | 1,596 |
| Return on Equity (ROE) | 10.0151% | 2,379 |
| Retained earnings to average equity (ytd only) | 5.3246% | 2,612 |
| Net charge-offs to loans | 0.2841% | 593 |
| Credit loss provision to net charge-offs | 184.2402% | 1,296 |
| Earnings coverage of net charge-offs (x) | 8.7730% | 2,384 |
| Efficiency ratio | 58.2096% | 3,982 |
| Assets per employee ($millions) | 3.8255% | 4,091 |
| Cash dividends to net income (ytd only)* | 46.8340% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,234 |
| Loan loss allowance to noncurrent loans | 76.1880% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7474% | 588 |
| Noncurrent loans to loans | 1.9862% | 725 |
| Net loans and leases to total assets | 80.2898% | 839 |
| Net loans and leases to deposits | 95.5609% | 1,090 |
| Net loans and leases to core deposits | 106.1450% | 1,236 |
| Total domestic deposits to total assets | 84.0195% | 2,851 |
| Equity capital to assets | 11.4382% | 2,657 |
| Core capital (leverage) ratio | 10.8865% | 2,705 |
| Tier 1 risk-based capital ratio | 11.6219% | 4,623 |
| Total risk-based capital ratio | 12.8831% | 4,513 |
| Memoranda: | ||
| Average total assets | $466,688,670 | 1,519 |
| Average earning assets | $412,230,000 | 1,588 |
| Average equity | $53,299,670 | 1,504 |
| Average total loans | $375,168,000 | 1,348 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0860% | 194 |
| Cost of funding earning assets | 1.1682% | 991 |
| Net interest margin | 4.9178% | 329 |
| Noninterest income to average assets | 0.6810% | 1,680 |
| Noninterest expense to average assets | 3.1492% | 1,618 |
| Loan and lease loss provision to assets | 0.4243% | 270 |
| Net operating income to assets | 1.0396% | 2,694 |
| Return on assets (ROA) | 1.0396% | 2,737 |
| Pretax return on assets | 1.4804% | 1,837 |
| Return on Equity (ROE) | 9.1101% | 2,765 |
| Retained earnings to average equity (ytd only) | 5.3237% | 2,766 |
| Net charge-offs to loans | 0.1603% | 838 |
| Credit loss provision to net charge-offs | 331.7568% | 775 |
| Earnings coverage of net charge-offs (x) | 14.8919% | 1,767 |
| Efficiency ratio | 59.6956% | 3,851 |
| Assets per employee ($millions) | 3.7585% | 4,265 |
| Cash dividends to net income (ytd only)* | 41.5628% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,156 |
| Loan loss allowance to noncurrent loans | 77.0138% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7432% | 625 |
| Noncurrent loans to loans | 2.0225% | 729 |
| Net loans and leases to total assets | 78.5540% | 1,067 |
| Net loans and leases to deposits | 93.9623% | 1,181 |
| Net loans and leases to core deposits | 105.0157% | 1,245 |
| Total domestic deposits to total assets | 83.6016% | 3,183 |
| Equity capital to assets | 11.5241% | 2,378 |
| Core capital (leverage) ratio | 10.6597% | 2,884 |
| Tier 1 risk-based capital ratio | 11.8562% | 4,536 |
| Total risk-based capital ratio | 13.1147% | 4,441 |
| Memoranda: | ||
| Average total assets | $462,854,000 | 1,540 |
| Average earning assets | $411,567,500 | 1,591 |
| Average equity | $52,820,500 | 1,504 |
| Average total loans | $369,395,500 | 1,374 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3891% | 104 |
| Cost of funding earning assets | 0.9209% | 1,021 |
| Net interest margin | 5.4681% | 113 |
| Noninterest income to average assets | 0.8063% | 1,426 |
| Noninterest expense to average assets | 3.5762% | 900 |
| Loan and lease loss provision to assets | 0.3795% | 375 |
| Net operating income to assets | 1.2663% | 1,926 |
| Return on assets (ROA) | 1.2627% | 1,930 |
| Pretax return on assets | 1.7102% | 1,142 |
| Return on Equity (ROE) | 11.5845% | 1,871 |
| Retained earnings to average equity (ytd only) | 2.0571% | 4,335 |
| Net charge-offs to loans | 0.3378% | 568 |
| Credit loss provision to net charge-offs | 136.0406% | 1,963 |
| Earnings coverage of net charge-offs (x) | 7.5068% | 2,986 |
| Efficiency ratio | 60.8949% | 3,711 |
| Assets per employee ($millions) | 3.7073% | 4,306 |
| Cash dividends to net income (ytd only)* | 82.2430% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,416 |
| Loan loss allowance to noncurrent loans | 196.1511% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 1,900 |
| Noncurrent loans to loans | 0.7445% | 2,135 |
| Net loans and leases to total assets | 78.6538% | 1,159 |
| Net loans and leases to deposits | 93.9460% | 1,292 |
| Net loans and leases to core deposits | 103.6526% | 1,443 |
| Total domestic deposits to total assets | 83.7223% | 3,075 |
| Equity capital to assets | 11.3000% | 2,416 |
| Core capital (leverage) ratio | 10.4654% | 3,070 |
| Tier 1 risk-based capital ratio | 12.1173% | 4,351 |
| Total risk-based capital ratio | 13.3738% | 4,233 |
| Memoranda: | ||
| Average total assets | $423,687,400 | 1,613 |
| Average earning assets | $376,893,600 | 1,692 |
| Average equity | $46,182,400 | 1,624 |
| Average total loans | $349,909,800 | 1,406 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3869% | 97 |
| Cost of funding earning assets | 0.8681% | 1,040 |
| Net interest margin | 5.5188% | 104 |
| Noninterest income to average assets | 1.0328% | 898 |
| Noninterest expense to average assets | 3.6159% | 834 |
| Loan and lease loss provision to assets | 0.3838% | 333 |
| Net operating income to assets | 1.4185% | 1,425 |
| Return on assets (ROA) | 1.4137% | 1,440 |
| Pretax return on assets | 1.9438% | 742 |
| Return on Equity (ROE) | 13.1040% | 1,390 |
| Retained earnings to average equity (ytd only) | 2.6495% | 4,353 |
| Net charge-offs to loans | 0.4036% | 403 |
| Credit loss provision to net charge-offs | 114.0805% | 2,060 |
| Earnings coverage of net charge-offs (x) | 6.9368% | 2,840 |
| Efficiency ratio | 58.7716% | 3,995 |
| Assets per employee ($millions) | 3.7806% | 4,201 |
| Cash dividends to net income (ytd only)* | 79.7811% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 1,911 |
| Loan loss allowance to noncurrent loans | 178.3153% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 1,710 |
| Noncurrent loans to loans | 0.7527% | 2,209 |
| Net loans and leases to total assets | 82.3188% | 659 |
| Net loans and leases to deposits | 98.9487% | 864 |
| Net loans and leases to core deposits | 108.8923% | 1,106 |
| Total domestic deposits to total assets | 83.1934% | 3,235 |
| Equity capital to assets | 11.4080% | 2,326 |
| Core capital (leverage) ratio | 10.6290% | 2,956 |
| Tier 1 risk-based capital ratio | 11.8478% | 4,580 |
| Total risk-based capital ratio | 13.1025% | 4,466 |
| Memoranda: | ||
| Average total assets | $413,757,500 | 1,662 |
| Average earning assets | $368,621,750 | 1,732 |
| Average equity | $44,636,750 | 1,676 |
| Average total loans | $344,915,000 | 1,428 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3515% | 89 |
| Cost of funding earning assets | 0.8462% | 935 |
| Net interest margin | 5.5053% | 108 |
| Noninterest income to average assets | 1.3933% | 490 |
| Noninterest expense to average assets | 3.7365% | 720 |
| Loan and lease loss provision to assets | 0.3953% | 311 |
| Net operating income to assets | 1.5842% | 952 |
| Return on assets (ROA) | 1.5842% | 958 |
| Pretax return on assets | 2.1704% | 411 |
| Return on Equity (ROE) | 15.0141% | 848 |
| Retained earnings to average equity (ytd only) | 0.7692% | 4,812 |
| Net charge-offs to loans | 0.3938% | 400 |
| Credit loss provision to net charge-offs | 120.4580% | 1,796 |
| Earnings coverage of net charge-offs (x) | 7.8183% | 2,523 |
| Efficiency ratio | 58.0253% | 4,230 |
| Assets per employee ($millions) | 3.5906% | 4,482 |
| Cash dividends to net income (ytd only)* | 94.8767% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,813 |
| Loan loss allowance to noncurrent loans | 206.9664% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 1,925 |
| Noncurrent loans to loans | 0.6680% | 2,440 |
| Net loans and leases to total assets | 80.5663% | 935 |
| Net loans and leases to deposits | 95.0511% | 1,241 |
| Net loans and leases to core deposits | 103.6324% | 1,426 |
| Total domestic deposits to total assets | 84.7611% | 2,768 |
| Equity capital to assets | 11.3991% | 2,267 |
| Core capital (leverage) ratio | 10.4057% | 3,130 |
| Tier 1 risk-based capital ratio | 11.8551% | 4,584 |
| Total risk-based capital ratio | 13.1109% | 4,463 |
| Memoranda: | ||
| Average total assets | $399,193,000 | 1,730 |
| Average earning assets | $355,946,670 | 1,797 |
| Average equity | $42,120,330 | 1,784 |
| Average total loans | $332,656,330 | 1,471 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1853% | 106 |
| Cost of funding earning assets | 0.8209% | 868 |
| Net interest margin | 5.3644% | 125 |
| Noninterest income to average assets | 0.4981% | 2,810 |
| Noninterest expense to average assets | 3.2476% | 1,458 |
| Loan and lease loss provision to assets | 0.4166% | 265 |
| Net operating income to assets | 1.1895% | 2,052 |
| Return on assets (ROA) | 1.1895% | 2,065 |
| Pretax return on assets | 1.6115% | 1,357 |
| Return on Equity (ROE) | 11.8520% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.5036% | 2,497 |
| Net charge-offs to loans | 0.2712% | 574 |
| Credit loss provision to net charge-offs | 182.1596% | 1,107 |
| Earnings coverage of net charge-offs (x) | 8.8685% | 2,002 |
| Efficiency ratio | 60.2361% | 4,033 |
| Assets per employee ($millions) | 3.8364% | 4,237 |
| Cash dividends to net income (ytd only)* | 45.1264% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 1,101 |
| Loan loss allowance to noncurrent loans | 170.7891% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 1,918 |
| Noncurrent loans to loans | 0.9516% | 1,918 |
| Net loans and leases to total assets | 82.9258% | 545 |
| Net loans and leases to deposits | 97.0702% | 935 |
| Net loans and leases to core deposits | 105.7944% | 1,253 |
| Total domestic deposits to total assets | 85.4287% | 2,781 |
| Equity capital to assets | 10.0025% | 3,588 |
| Core capital (leverage) ratio | 9.8678% | 3,692 |
| Tier 1 risk-based capital ratio | 10.7106% | 5,279 |
| Total risk-based capital ratio | 11.9694% | 5,168 |
| Memoranda: | ||
| Average total assets | $372,579,000 | 1,852 |
| Average earning assets | $331,818,000 | 1,915 |
| Average equity | $37,394,500 | 1,981 |
| Average total loans | $314,180,000 | 1,542 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1187% | 114 |
| Cost of funding earning assets | 0.8134% | 581 |
| Net interest margin | 5.3054% | 142 |
| Noninterest income to average assets | 0.5195% | 2,881 |
| Noninterest expense to average assets | 3.2776% | 1,419 |
| Loan and lease loss provision to assets | 0.4181% | 341 |
| Net operating income to assets | 0.8219% | 3,070 |
| Return on assets (ROA) | 0.8219% | 3,113 |
| Pretax return on assets | 1.5691% | 1,386 |
| Return on Equity (ROE) | 8.1976% | 2,703 |
| Retained earnings to average equity (ytd only) | 1.7407% | 4,271 |
| Net charge-offs to loans | 0.6126% | 374 |
| Credit loss provision to net charge-offs | 82.1410% | 2,913 |
| Earnings coverage of net charge-offs (x) | 3.9041% | 3,537 |
| Efficiency ratio | 60.9335% | 4,125 |
| Assets per employee ($millions) | 3.7673% | 4,330 |
| Cash dividends to net income (ytd only)* | 78.7660% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 1,149 |
| Loan loss allowance to noncurrent loans | 145.5396% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 1,658 |
| Noncurrent loans to loans | 1.0978% | 1,614 |
| Net loans and leases to total assets | 83.0083% | 561 |
| Net loans and leases to deposits | 97.4808% | 944 |
| Net loans and leases to core deposits | 107.5038% | 1,179 |
| Total domestic deposits to total assets | 85.1535% | 2,777 |
| Equity capital to assets | 10.0715% | 3,621 |
| Core capital (leverage) ratio | 9.5454% | 3,984 |
| Tier 1 risk-based capital ratio | 10.7327% | 5,279 |
| Total risk-based capital ratio | 11.9929% | 5,168 |
| Memoranda: | ||
| Average total assets | $370,732,200 | 1,829 |
| Average earning assets | $331,588,800 | 1,886 |
| Average equity | $37,169,200 | 1,970 |
| Average total loans | $308,023,600 | 1,537 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0608% | 122 |
| Cost of funding earning assets | 0.8038% | 568 |
| Net interest margin | 5.2570% | 156 |
| Noninterest income to average assets | 0.4868% | 3,107 |
| Noninterest expense to average assets | 3.2162% | 1,525 |
| Loan and lease loss provision to assets | 0.4178% | 318 |
| Net operating income to assets | 0.9862% | 2,612 |
| Return on assets (ROA) | 0.9862% | 2,673 |
| Pretax return on assets | 1.5545% | 1,561 |
| Return on Equity (ROE) | 9.8475% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.4664% | 3,244 |
| Net charge-offs to loans | 0.5044% | 407 |
| Credit loss provision to net charge-offs | 100.0861% | 2,273 |
| Earnings coverage of net charge-offs (x) | 4.7246% | 3,189 |
| Efficiency ratio | 60.6426% | 4,105 |
| Assets per employee ($millions) | 3.8131% | 4,296 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 1,038 |
| Loan loss allowance to noncurrent loans | 150.2828% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 1,713 |
| Noncurrent loans to loans | 1.1299% | 1,703 |
| Net loans and leases to total assets | 83.1746% | 525 |
| Net loans and leases to deposits | 98.2022% | 893 |
| Net loans and leases to core deposits | 108.9038% | 1,099 |
| Total domestic deposits to total assets | 84.6973% | 2,838 |
| Equity capital to assets | 10.2349% | 3,656 |
| Core capital (leverage) ratio | 9.7361% | 3,897 |
| Tier 1 risk-based capital ratio | 10.8612% | 5,312 |
| Total risk-based capital ratio | 12.1219% | 5,208 |
| Memoranda: | ||
| Average total assets | $371,117,250 | 1,837 |
| Average earning assets | $331,916,000 | 1,893 |
| Average equity | $37,165,750 | 1,979 |
| Average total loans | $307,170,500 | 1,551 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9838% | 126 |
| Cost of funding earning assets | 0.7849% | 565 |
| Net interest margin | 5.1989% | 166 |
| Noninterest income to average assets | 0.4306% | 3,486 |
| Noninterest expense to average assets | 3.2304% | 1,517 |
| Loan and lease loss provision to assets | 0.4172% | 307 |
| Net operating income to assets | 0.9275% | 2,776 |
| Return on assets (ROA) | 0.9275% | 2,827 |
| Pretax return on assets | 1.4254% | 1,916 |
| Return on Equity (ROE) | 9.3297% | 2,342 |
| Retained earnings to average equity (ytd only) | 3.9149% | 3,367 |
| Net charge-offs to loans | 0.2706% | 750 |
| Credit loss provision to net charge-offs | 187.6513% | 1,331 |
| Earnings coverage of net charge-offs (x) | 8.2881% | 2,520 |
| Efficiency ratio | 62.3090% | 3,941 |
| Assets per employee ($millions) | 3.7011% | 4,435 |
| Cash dividends to net income (ytd only)* | 58.0383% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 804 |
| Loan loss allowance to noncurrent loans | 182.7697% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 2,021 |
| Noncurrent loans to loans | 1.0094% | 1,943 |
| Net loans and leases to total assets | 81.5758% | 732 |
| Net loans and leases to deposits | 96.5329% | 1,027 |
| Net loans and leases to core deposits | 108.1216% | 1,102 |
| Total domestic deposits to total assets | 84.5057% | 3,007 |
| Equity capital to assets | 10.0937% | 3,805 |
| Core capital (leverage) ratio | 9.5695% | 4,051 |
| Tier 1 risk-based capital ratio | 10.9299% | 5,291 |
| Total risk-based capital ratio | 12.1909% | 5,184 |
| Memoranda: | ||
| Average total assets | $371,533,000 | 1,839 |
| Average earning assets | $331,764,670 | 1,894 |
| Average equity | $36,935,670 | 1,980 |
| Average total loans | $305,243,330 | 1,551 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9295% | 134 |
| Cost of funding earning assets | 0.7634% | 605 |
| Net interest margin | 5.1661% | 161 |
| Noninterest income to average assets | 0.4664% | 3,213 |
| Noninterest expense to average assets | 3.2237% | 1,544 |
| Loan and lease loss provision to assets | 0.4169% | 264 |
| Net operating income to assets | 0.9252% | 2,638 |
| Return on assets (ROA) | 0.9252% | 2,694 |
| Pretax return on assets | 1.4216% | 1,810 |
| Return on Equity (ROE) | 9.3779% | 2,245 |
| Retained earnings to average equity (ytd only) | 3.9320% | 3,481 |
| Net charge-offs to loans | -0.0053% | 4,201 |
| Credit loss provision to net charge-offs | -9,700.0000% | 4,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3010% | 4,106 |
| Assets per employee ($millions) | 3.7127% | 4,484 |
| Cash dividends to net income (ytd only)* | 58.0720% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 838 |
| Loan loss allowance to noncurrent loans | 149.3065% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 1,481 |
| Noncurrent loans to loans | 1.2523% | 1,614 |
| Net loans and leases to total assets | 79.8496% | 852 |
| Net loans and leases to deposits | 94.2486% | 1,083 |
| Net loans and leases to core deposits | 106.1162% | 1,090 |
| Total domestic deposits to total assets | 84.7224% | 3,203 |
| Equity capital to assets | 9.8473% | 3,934 |
| Core capital (leverage) ratio | 9.4981% | 4,124 |
| Tier 1 risk-based capital ratio | 10.7840% | 5,417 |
| Total risk-based capital ratio | 12.0470% | 5,332 |
| Memoranda: | ||
| Average total assets | $372,244,000 | 1,851 |
| Average earning assets | $331,157,500 | 1,905 |
| Average equity | $36,724,500 | 1,996 |
| Average total loans | $304,067,000 | 1,559 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3020% | 84 |
| Cost of funding earning assets | 0.8120% | 471 |
| Net interest margin | 5.4900% | 113 |
| Noninterest income to average assets | 0.5343% | 3,005 |
| Noninterest expense to average assets | 3.3336% | 1,505 |
| Loan and lease loss provision to assets | 0.4569% | 310 |
| Net operating income to assets | 0.9770% | 2,452 |
| Return on assets (ROA) | 0.9797% | 2,545 |
| Pretax return on assets | 1.5997% | 1,278 |
| Return on Equity (ROE) | 10.0723% | 1,928 |
| Retained earnings to average equity (ytd only) | -1.1319% | 5,458 |
| Net charge-offs to loans | 0.3650% | 749 |
| Credit loss provision to net charge-offs | 150.2757% | 1,820 |
| Earnings coverage of net charge-offs (x) | 6.7509% | 3,127 |
| Efficiency ratio | 60.3268% | 4,531 |
| Assets per employee ($millions) | 3.7323% | 4,425 |
| Cash dividends to net income (ytd only)* | 111.2379% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 1,035 |
| Loan loss allowance to noncurrent loans | 131.2176% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.3442% | 1,291 |
| Noncurrent loans to loans | 1.3363% | 1,537 |
| Net loans and leases to total assets | 80.5655% | 800 |
| Net loans and leases to deposits | 93.7370% | 1,223 |
| Net loans and leases to core deposits | 104.2693% | 1,260 |
| Total domestic deposits to total assets | 85.9484% | 2,605 |
| Equity capital to assets | 9.8844% | 3,835 |
| Core capital (leverage) ratio | 9.3457% | 4,293 |
| Tier 1 risk-based capital ratio | 10.6428% | 5,510 |
| Total risk-based capital ratio | 11.9044% | 5,426 |
| Memoranda: | ||
| Average total assets | $357,874,200 | 1,864 |
| Average earning assets | $316,265,600 | 1,938 |
| Average equity | $34,808,400 | 2,089 |
| Average total loans | $298,119,800 | 1,527 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3345% | 84 |
| Cost of funding earning assets | 0.8154% | 461 |
| Net interest margin | 5.5192% | 109 |
| Noninterest income to average assets | 0.5567% | 2,885 |
| Noninterest expense to average assets | 3.3287% | 1,498 |
| Loan and lease loss provision to assets | 0.4676% | 281 |
| Net operating income to assets | 1.0196% | 2,335 |
| Return on assets (ROA) | 1.0232% | 2,455 |
| Pretax return on assets | 1.6474% | 1,256 |
| Return on Equity (ROE) | 10.5641% | 1,845 |
| Retained earnings to average equity (ytd only) | -1.0704% | 5,502 |
| Net charge-offs to loans | 0.0763% | 2,232 |
| Credit loss provision to net charge-offs | 732.3529% | 544 |
| Earnings coverage of net charge-offs (x) | 33.0354% | 1,404 |
| Efficiency ratio | 59.5662% | 4,600 |
| Assets per employee ($millions) | 3.7411% | 4,405 |
| Cash dividends to net income (ytd only)* | 110.1321% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 882 |
| Loan loss allowance to noncurrent loans | 131.3174% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4799% | 1,220 |
| Noncurrent loans to loans | 1.4308% | 1,516 |
| Net loans and leases to total assets | 82.3605% | 568 |
| Net loans and leases to deposits | 96.1125% | 1,037 |
| Net loans and leases to core deposits | 107.8872% | 1,062 |
| Total domestic deposits to total assets | 85.6918% | 2,515 |
| Equity capital to assets | 9.9779% | 4,146 |
| Core capital (leverage) ratio | 9.6013% | 4,059 |
| Tier 1 risk-based capital ratio | 10.5934% | 5,573 |
| Total risk-based capital ratio | 11.8525% | 5,488 |
| Memoranda: | ||
| Average total assets | $354,967,250 | 1,887 |
| Average earning assets | $313,953,000 | 1,952 |
| Average equity | $34,379,750 | 2,129 |
| Average total loans | $296,898,750 | 1,531 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3236% | 87 |
| Cost of funding earning assets | 0.8294% | 414 |
| Net interest margin | 5.4942% | 112 |
| Noninterest income to average assets | 0.5734% | 2,774 |
| Noninterest expense to average assets | 3.3805% | 1,408 |
| Loan and lease loss provision to assets | 0.4888% | 273 |
| Net operating income to assets | 0.9851% | 2,451 |
| Return on assets (ROA) | 0.9902% | 2,573 |
| Pretax return on assets | 1.5596% | 1,493 |
| Return on Equity (ROE) | 10.3337% | 1,906 |
| Retained earnings to average equity (ytd only) | -4.5822% | 5,732 |
| Net charge-offs to loans | 0.0671% | 2,233 |
| Credit loss provision to net charge-offs | 872.4490% | 414 |
| Earnings coverage of net charge-offs (x) | 36.4184% | 1,229 |
| Efficiency ratio | 60.5463% | 4,570 |
| Assets per employee ($millions) | 3.7054% | 4,433 |
| Cash dividends to net income (ytd only)* | 144.3418% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 1,069 |
| Loan loss allowance to noncurrent loans | 144.1660% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 1,347 |
| Noncurrent loans to loans | 1.2528% | 1,831 |
| Net loans and leases to total assets | 82.6900% | 551 |
| Net loans and leases to deposits | 96.9560% | 969 |
| Net loans and leases to core deposits | 107.2915% | 1,069 |
| Total domestic deposits to total assets | 85.2861% | 2,740 |
| Equity capital to assets | 10.0450% | 4,169 |
| Core capital (leverage) ratio | 9.4211% | 4,309 |
| Tier 1 risk-based capital ratio | 10.9892% | 5,427 |
| Total risk-based capital ratio | 12.2497% | 5,343 |
| Memoranda: | ||
| Average total assets | $349,834,000 | 1,915 |
| Average earning assets | $308,654,670 | 1,992 |
| Average equity | $33,521,330 | 2,171 |
| Average total loans | $292,239,330 | 1,556 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3516% | 86 |
| Cost of funding earning assets | 0.8516% | 388 |
| Net interest margin | 5.5001% | 117 |
| Noninterest income to average assets | 0.5280% | 2,948 |
| Noninterest expense to average assets | 3.5199% | 1,150 |
| Loan and lease loss provision to assets | 0.5420% | 217 |
| Net operating income to assets | 0.7860% | 3,313 |
| Return on assets (ROA) | 0.7867% | 3,418 |
| Pretax return on assets | 1.2926% | 2,339 |
| Return on Equity (ROE) | 8.4259% | 2,695 |
| Retained earnings to average equity (ytd only) | -16.5398% | 5,925 |
| Net charge-offs to loans | 0.1191% | 1,400 |
| Credit loss provision to net charge-offs | 547.0588% | 568 |
| Earnings coverage of net charge-offs (x) | 18.5059% | 1,542 |
| Efficiency ratio | 63.8798% | 4,144 |
| Assets per employee ($millions) | 3.8371% | 4,235 |
| Cash dividends to net income (ytd only)* | 296.2963% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 1,249 |
| Loan loss allowance to noncurrent loans | 129.4917% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 1,369 |
| Noncurrent loans to loans | 1.3522% | 1,766 |
| Net loans and leases to total assets | 79.2116% | 925 |
| Net loans and leases to deposits | 92.5958% | 1,276 |
| Net loans and leases to core deposits | 102.5850% | 1,291 |
| Total domestic deposits to total assets | 85.5456% | 2,890 |
| Equity capital to assets | 9.8325% | 4,300 |
| Core capital (leverage) ratio | 9.3518% | 4,424 |
| Tier 1 risk-based capital ratio | 11.1391% | 5,430 |
| Total risk-based capital ratio | 12.3976% | 5,334 |
| Memoranda: | ||
| Average total assets | $343,188,500 | 1,951 |
| Average earning assets | $301,088,000 | 2,054 |
| Average equity | $32,044,000 | 2,242 |
| Average total loans | $285,463,500 | 1,586 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 86 |
| Cost of funding earning assets | 0.8128% | 459 |
| Net interest margin | 5.5498% | 114 |
| Noninterest income to average assets | 0.5275% | 3,153 |
| Noninterest expense to average assets | 3.4055% | 1,475 |
| Loan and lease loss provision to assets | 0.4815% | 240 |
| Net operating income to assets | 0.9865% | 2,439 |
| Return on assets (ROA) | 0.9881% | 2,515 |
| Pretax return on assets | 1.6125% | 1,216 |
| Return on Equity (ROE) | 11.0700% | 1,589 |
| Retained earnings to average equity (ytd only) | 3.8770% | 3,277 |
| Net charge-offs to loans | 0.2022% | 1,444 |
| Credit loss provision to net charge-offs | 274.2230% | 1,059 |
| Earnings coverage of net charge-offs (x) | 11.9104% | 2,515 |
| Efficiency ratio | 61.0232% | 4,759 |
| Assets per employee ($millions) | 3.7865% | 4,310 |
| Cash dividends to net income (ytd only)* | 64.9773% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 1,311 |
| Loan loss allowance to noncurrent loans | 184.1577% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 1,884 |
| Noncurrent loans to loans | 0.9342% | 2,468 |
| Net loans and leases to total assets | 84.5945% | 337 |
| Net loans and leases to deposits | 98.6146% | 773 |
| Net loans and leases to core deposits | 110.6843% | 823 |
| Total domestic deposits to total assets | 85.7829% | 2,740 |
| Equity capital to assets | 8.7761% | 5,331 |
| Core capital (leverage) ratio | 8.6330% | 5,300 |
| Tier 1 risk-based capital ratio | 10.0789% | 5,937 |
| Total risk-based capital ratio | 11.3383% | 5,858 |
| Memoranda: | ||
| Average total assets | $311,497,400 | 2,082 |
| Average earning assets | $278,928,600 | 2,143 |
| Average equity | $27,804,800 | 2,476 |
| Average total loans | $270,486,200 | 1,612 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3590% | 89 |
| Cost of funding earning assets | 0.7999% | 499 |
| Net interest margin | 5.5590% | 112 |
| Noninterest income to average assets | 0.5106% | 3,294 |
| Noninterest expense to average assets | 3.3480% | 1,581 |
| Loan and lease loss provision to assets | 0.4856% | 210 |
| Net operating income to assets | 1.0606% | 2,163 |
| Return on assets (ROA) | 1.0631% | 2,254 |
| Pretax return on assets | 1.6721% | 1,182 |
| Return on Equity (ROE) | 11.8577% | 1,413 |
| Retained earnings to average equity (ytd only) | 4.6362% | 3,176 |
| Net charge-offs to loans | 0.2351% | 1,117 |
| Credit loss provision to net charge-offs | 237.3418% | 1,178 |
| Earnings coverage of net charge-offs (x) | 10.5275% | 2,587 |
| Efficiency ratio | 59.9200% | 4,903 |
| Assets per employee ($millions) | 3.7341% | 4,385 |
| Cash dividends to net income (ytd only)* | 60.9013% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 1,806 |
| Loan loss allowance to noncurrent loans | 160.9229% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 1,742 |
| Noncurrent loans to loans | 0.9916% | 2,512 |
| Net loans and leases to total assets | 86.7315% | 192 |
| Net loans and leases to deposits | 101.5197% | 572 |
| Net loans and leases to core deposits | 115.5805% | 609 |
| Total domestic deposits to total assets | 85.4332% | 2,811 |
| Equity capital to assets | 8.8803% | 5,417 |
| Core capital (leverage) ratio | 8.8100% | 5,229 |
| Tier 1 risk-based capital ratio | 10.1017% | 6,008 |
| Total risk-based capital ratio | 11.3615% | 5,958 |
| Memoranda: | ||
| Average total assets | $308,908,750 | 2,113 |
| Average earning assets | $277,355,250 | 2,166 |
| Average equity | $27,694,500 | 2,494 |
| Average total loans | $268,849,000 | 1,630 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3384% | 88 |
| Cost of funding earning assets | 0.7900% | 533 |
| Net interest margin | 5.5484% | 115 |
| Noninterest income to average assets | 0.4960% | 3,404 |
| Noninterest expense to average assets | 3.3880% | 1,494 |
| Loan and lease loss provision to assets | 0.4901% | 206 |
| Net operating income to assets | 1.0202% | 2,291 |
| Return on assets (ROA) | 1.0239% | 2,382 |
| Pretax return on assets | 1.5891% | 1,360 |
| Return on Equity (ROE) | 11.3837% | 1,563 |
| Retained earnings to average equity (ytd only) | 4.1190% | 3,402 |
| Net charge-offs to loans | 0.3016% | 877 |
| Credit loss provision to net charge-offs | 187.5000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 7.9325% | 2,610 |
| Efficiency ratio | 61.0912% | 4,815 |
| Assets per employee ($millions) | 3.6241% | 4,586 |
| Cash dividends to net income (ytd only)* | 63.8162% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 2,181 |
| Loan loss allowance to noncurrent loans | 105.4191% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 1,365 |
| Noncurrent loans to loans | 1.4480% | 1,843 |
| Net loans and leases to total assets | 87.1807% | 185 |
| Net loans and leases to deposits | 102.4510% | 526 |
| Net loans and leases to core deposits | 116.2948% | 583 |
| Total domestic deposits to total assets | 85.0950% | 3,085 |
| Equity capital to assets | 9.0124% | 5,225 |
| Core capital (leverage) ratio | 8.9204% | 5,064 |
| Tier 1 risk-based capital ratio | 10.1315% | 6,048 |
| Total risk-based capital ratio | 11.3896% | 5,990 |
| Memoranda: | ||
| Average total assets | $306,078,670 | 2,145 |
| Average earning assets | $273,915,670 | 2,205 |
| Average equity | $27,530,670 | 2,513 |
| Average total loans | $265,215,670 | 1,658 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3989% | 84 |
| Cost of funding earning assets | 0.7962% | 514 |
| Net interest margin | 5.6027% | 106 |
| Noninterest income to average assets | 0.4903% | 3,347 |
| Noninterest expense to average assets | 3.3800% | 1,529 |
| Loan and lease loss provision to assets | 0.4917% | 215 |
| Net operating income to assets | 1.0240% | 2,148 |
| Return on assets (ROA) | 1.0240% | 2,296 |
| Pretax return on assets | 1.5825% | 1,311 |
| Return on Equity (ROE) | 11.3954% | 1,519 |
| Retained earnings to average equity (ytd only) | 4.1000% | 3,546 |
| Net charge-offs to loans | 0.0168% | 2,830 |
| Credit loss provision to net charge-offs | 3,409.0909% | 113 |
| Earnings coverage of net charge-offs (x) | 143.8182% | 367 |
| Efficiency ratio | 61.0096% | 4,966 |
| Assets per employee ($millions) | 3.5914% | 4,739 |
| Cash dividends to net income (ytd only)* | 64.0205% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 2,112 |
| Loan loss allowance to noncurrent loans | 120.6877% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 1,604 |
| Noncurrent loans to loans | 1.3114% | 2,189 |
| Net loans and leases to total assets | 85.0872% | 242 |
| Net loans and leases to deposits | 99.4967% | 590 |
| Net loans and leases to core deposits | 111.4136% | 687 |
| Total domestic deposits to total assets | 85.5176% | 3,167 |
| Equity capital to assets | 9.0399% | 5,244 |
| Core capital (leverage) ratio | 8.7974% | 5,206 |
| Tier 1 risk-based capital ratio | 10.2981% | 6,078 |
| Total risk-based capital ratio | 11.5580% | 6,025 |
| Memoranda: | ||
| Average total assets | $305,092,000 | 2,166 |
| Average earning assets | $270,296,000 | 2,247 |
| Average equity | $27,414,500 | 2,543 |
| Average total loans | $261,461,000 | 1,674 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5361% | 89 |
| Cost of funding earning assets | 0.8012% | 647 |
| Net interest margin | 5.7349% | 97 |
| Noninterest income to average assets | 0.5442% | 3,207 |
| Noninterest expense to average assets | 3.2555% | 2,056 |
| Loan and lease loss provision to assets | 0.4947% | 310 |
| Net operating income to assets | 1.1380% | 1,824 |
| Return on assets (ROA) | 1.1431% | 1,869 |
| Pretax return on assets | 1.8515% | 711 |
| Return on Equity (ROE) | 13.1470% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.9401% | 1,965 |
| Net charge-offs to loans | 0.5326% | 767 |
| Credit loss provision to net charge-offs | 109.4891% | 2,180 |
| Earnings coverage of net charge-offs (x) | 5.1752% | 3,486 |
| Efficiency ratio | 57.2490% | 5,540 |
| Assets per employee ($millions) | 3.5872% | 4,742 |
| Cash dividends to net income (ytd only)* | 54.8182% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 2,596 |
| Loan loss allowance to noncurrent loans | 119.4175% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.5398% | 1,764 |
| Noncurrent loans to loans | 1.2328% | 2,391 |
| Net loans and leases to total assets | 83.6912% | 368 |
| Net loans and leases to deposits | 97.9405% | 765 |
| Net loans and leases to core deposits | 109.1980% | 818 |
| Total domestic deposits to total assets | 85.4511% | 3,102 |
| Equity capital to assets | 8.9313% | 5,359 |
| Core capital (leverage) ratio | 8.5314% | 5,522 |
| Tier 1 risk-based capital ratio | 10.4544% | 6,125 |
| Total risk-based capital ratio | 11.7116% | 6,057 |
| Memoranda: | ||
| Average total assets | $303,208,000 | 2,145 |
| Average earning assets | $266,977,200 | 2,221 |
| Average equity | $26,363,400 | 2,542 |
| Average total loans | $257,236,600 | 1,652 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4643% | 94 |
| Cost of funding earning assets | 0.7957% | 699 |
| Net interest margin | 5.6686% | 108 |
| Noninterest income to average assets | 0.5187% | 3,416 |
| Noninterest expense to average assets | 3.2397% | 2,055 |
| Loan and lease loss provision to assets | 0.4954% | 303 |
| Net operating income to assets | 1.1009% | 2,025 |
| Return on assets (ROA) | 1.1009% | 2,092 |
| Pretax return on assets | 1.7777% | 925 |
| Return on Equity (ROE) | 12.7486% | 1,284 |
| Retained earnings to average equity (ytd only) | 5.6094% | 2,665 |
| Net charge-offs to loans | 0.5519% | 689 |
| Credit loss provision to net charge-offs | 105.8325% | 2,101 |
| Earnings coverage of net charge-offs (x) | 4.8561% | 3,366 |
| Efficiency ratio | 57.8001% | 5,471 |
| Assets per employee ($millions) | 3.6214% | 4,637 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 3,157 |
| Loan loss allowance to noncurrent loans | 158.5884% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 2,514 |
| Noncurrent loans to loans | 0.8847% | 3,359 |
| Net loans and leases to total assets | 85.1531% | 253 |
| Net loans and leases to deposits | 100.3580% | 593 |
| Net loans and leases to core deposits | 111.5868% | 679 |
| Total domestic deposits to total assets | 84.8493% | 3,398 |
| Equity capital to assets | 8.7059% | 5,633 |
| Core capital (leverage) ratio | 8.4838% | 5,673 |
| Tier 1 risk-based capital ratio | 10.0471% | 6,335 |
| Total risk-based capital ratio | 11.3122% | 6,293 |
| Memoranda: | ||
| Average total assets | $302,781,000 | 2,154 |
| Average earning assets | $266,748,750 | 2,232 |
| Average equity | $26,146,000 | 2,562 |
| Average total loans | $256,795,500 | 1,657 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4405% | 96 |
| Cost of funding earning assets | 0.7993% | 705 |
| Net interest margin | 5.6412% | 110 |
| Noninterest income to average assets | 0.5075% | 3,426 |
| Noninterest expense to average assets | 3.2334% | 2,092 |
| Loan and lease loss provision to assets | 0.4982% | 298 |
| Net operating income to assets | 1.0608% | 2,076 |
| Return on assets (ROA) | 1.0608% | 2,155 |
| Pretax return on assets | 1.7170% | 985 |
| Return on Equity (ROE) | 12.3184% | 1,346 |
| Retained earnings to average equity (ytd only) | 5.3763% | 2,718 |
| Net charge-offs to loans | 0.4957% | 817 |
| Credit loss provision to net charge-offs | 119.2369% | 1,731 |
| Earnings coverage of net charge-offs (x) | 5.3021% | 2,951 |
| Efficiency ratio | 58.3567% | 5,507 |
| Assets per employee ($millions) | 3.6236% | 4,613 |
| Cash dividends to net income (ytd only)* | 56.3557% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 3,184 |
| Loan loss allowance to noncurrent loans | 111.7699% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 2,754 |
| Noncurrent loans to loans | 1.2810% | 2,664 |
| Net loans and leases to total assets | 85.6957% | 196 |
| Net loans and leases to deposits | 100.4200% | 535 |
| Net loans and leases to core deposits | 110.5739% | 673 |
| Total domestic deposits to total assets | 85.3373% | 3,345 |
| Equity capital to assets | 8.6818% | 5,630 |
| Core capital (leverage) ratio | 8.4150% | 5,732 |
| Tier 1 risk-based capital ratio | 10.0167% | 6,396 |
| Total risk-based capital ratio | 11.2842% | 6,347 |
| Memoranda: | ||
| Average total assets | $301,103,000 | 2,167 |
| Average earning assets | $263,736,670 | 2,254 |
| Average equity | $25,928,670 | 2,571 |
| Average total loans | $253,779,330 | 1,672 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4722% | 94 |
| Cost of funding earning assets | 0.8168% | 683 |
| Net interest margin | 5.6554% | 107 |
| Noninterest income to average assets | 0.4541% | 3,753 |
| Noninterest expense to average assets | 3.3086% | 1,928 |
| Loan and lease loss provision to assets | 0.5009% | 299 |
| Net operating income to assets | 0.9390% | 2,458 |
| Return on assets (ROA) | 0.9390% | 2,531 |
| Pretax return on assets | 1.5187% | 1,379 |
| Return on Equity (ROE) | 10.9502% | 1,700 |
| Retained earnings to average equity (ytd only) | 3.1620% | 4,230 |
| Net charge-offs to loans | 0.2980% | 1,170 |
| Credit loss provision to net charge-offs | 202.7027% | 1,028 |
| Earnings coverage of net charge-offs (x) | 8.1730% | 2,052 |
| Efficiency ratio | 61.0679% | 5,258 |
| Assets per employee ($millions) | 3.7429% | 4,440 |
| Cash dividends to net income (ytd only)* | 71.1238% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,008 |
| Loan loss allowance to noncurrent loans | 147.9294% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 3,218 |
| Noncurrent loans to loans | 1.0360% | 3,353 |
| Net loans and leases to total assets | 81.7604% | 375 |
| Net loans and leases to deposits | 95.0660% | 713 |
| Net loans and leases to core deposits | 104.3904% | 833 |
| Total domestic deposits to total assets | 86.0038% | 3,362 |
| Equity capital to assets | 8.5195% | 5,639 |
| Core capital (leverage) ratio | 8.2501% | 5,894 |
| Tier 1 risk-based capital ratio | 10.1685% | 6,434 |
| Total risk-based capital ratio | 11.4370% | 6,395 |
| Memoranda: | ||
| Average total assets | $299,462,000 | 2,181 |
| Average earning assets | $258,087,500 | 2,297 |
| Average equity | $25,680,000 | 2,582 |
| Average total loans | $248,352,000 | 1,707 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8462% | 67 |
| Cost of funding earning assets | 0.8701% | 863 |
| Net interest margin | 5.9761% | 83 |
| Noninterest income to average assets | 0.5631% | 3,309 |
| Noninterest expense to average assets | 3.2781% | 2,198 |
| Loan and lease loss provision to assets | 0.6284% | 388 |
| Net operating income to assets | 1.2068% | 1,537 |
| Return on assets (ROA) | 1.2068% | 1,612 |
| Pretax return on assets | 1.9289% | 567 |
| Return on Equity (ROE) | 13.8846% | 977 |
| Retained earnings to average equity (ytd only) | 4.8971% | 2,672 |
| Net charge-offs to loans | 0.6211% | 1,057 |
| Credit loss provision to net charge-offs | 118.6885% | 2,019 |
| Earnings coverage of net charge-offs (x) | 4.8302% | 3,442 |
| Efficiency ratio | 55.2059% | 6,029 |
| Assets per employee ($millions) | 3.6512% | 4,585 |
| Cash dividends to net income (ytd only)* | 64.7296% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 3,208 |
| Loan loss allowance to noncurrent loans | 142.2808% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 3,291 |
| Noncurrent loans to loans | 1.0524% | 3,408 |
| Net loans and leases to total assets | 81.5898% | 447 |
| Net loans and leases to deposits | 94.4656% | 839 |
| Net loans and leases to core deposits | 104.3784% | 883 |
| Total domestic deposits to total assets | 86.3699% | 3,061 |
| Equity capital to assets | 8.6327% | 5,447 |
| Core capital (leverage) ratio | 8.2661% | 5,912 |
| Tier 1 risk-based capital ratio | 10.3962% | 6,403 |
| Total risk-based capital ratio | 11.6619% | 6,348 |
| Memoranda: | ||
| Average total assets | $288,035,800 | 2,216 |
| Average earning assets | $254,112,600 | 2,293 |
| Average equity | $25,035,000 | 2,626 |
| Average total loans | $245,524,800 | 1,691 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8308% | 70 |
| Cost of funding earning assets | 0.8739% | 932 |
| Net interest margin | 5.9569% | 85 |
| Noninterest income to average assets | 0.5737% | 3,306 |
| Noninterest expense to average assets | 3.3441% | 1,964 |
| Loan and lease loss provision to assets | 0.6436% | 354 |
| Net operating income to assets | 1.0947% | 2,027 |
| Return on assets (ROA) | 1.0947% | 2,102 |
| Pretax return on assets | 1.8780% | 746 |
| Return on Equity (ROE) | 12.5724% | 1,340 |
| Retained earnings to average equity (ytd only) | 4.0088% | 3,843 |
| Net charge-offs to loans | 0.6963% | 858 |
| Credit loss provision to net charge-offs | 107.6383% | 2,182 |
| Earnings coverage of net charge-offs (x) | 4.2175% | 3,499 |
| Efficiency ratio | 56.0340% | 5,895 |
| Assets per employee ($millions) | 3.4132% | 5,034 |
| Cash dividends to net income (ytd only)* | 68.1141% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 3,963 |
| Loan loss allowance to noncurrent loans | 144.5598% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 3,408 |
| Noncurrent loans to loans | 0.9580% | 3,903 |
| Net loans and leases to total assets | 85.4439% | 173 |
| Net loans and leases to deposits | 99.7152% | 475 |
| Net loans and leases to core deposits | 110.3156% | 568 |
| Total domestic deposits to total assets | 85.6879% | 3,411 |
| Equity capital to assets | 8.6675% | 5,550 |
| Core capital (leverage) ratio | 8.3181% | 5,954 |
| Tier 1 risk-based capital ratio | 10.1698% | 6,545 |
| Total risk-based capital ratio | 11.4299% | 6,513 |
| Memoranda: | ||
| Average total assets | $286,107,500 | 2,242 |
| Average earning assets | $254,176,500 | 2,300 |
| Average equity | $24,911,000 | 2,658 |
| Average total loans | $245,663,750 | 1,688 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8021% | 73 |
| Cost of funding earning assets | 0.8783% | 995 |
| Net interest margin | 5.9238% | 88 |
| Noninterest income to average assets | 0.5850% | 3,286 |
| Noninterest expense to average assets | 3.3402% | 1,967 |
| Loan and lease loss provision to assets | 0.6370% | 390 |
| Net operating income to assets | 1.0809% | 1,990 |
| Return on assets (ROA) | 1.0809% | 2,105 |
| Pretax return on assets | 1.8562% | 811 |
| Return on Equity (ROE) | 12.3950% | 1,377 |
| Retained earnings to average equity (ytd only) | 2.7303% | 4,576 |
| Net charge-offs to loans | 0.4496% | 1,458 |
| Credit loss provision to net charge-offs | 165.5109% | 1,428 |
| Earnings coverage of net charge-offs (x) | 6.4781% | 2,710 |
| Efficiency ratio | 56.2726% | 5,936 |
| Assets per employee ($millions) | 3.7028% | 4,395 |
| Cash dividends to net income (ytd only)* | 77.9727% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 3,697 |
| Loan loss allowance to noncurrent loans | 129.4810% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 3,088 |
| Noncurrent loans to loans | 1.1397% | 3,653 |
| Net loans and leases to total assets | 86.5038% | 132 |
| Net loans and leases to deposits | 101.0639% | 374 |
| Net loans and leases to core deposits | 112.0175% | 485 |
| Total domestic deposits to total assets | 85.5932% | 3,585 |
| Equity capital to assets | 8.5764% | 5,690 |
| Core capital (leverage) ratio | 8.2865% | 5,898 |
| Tier 1 risk-based capital ratio | 9.9462% | 6,646 |
| Total risk-based capital ratio | 11.2065% | 6,623 |
| Memoranda: | ||
| Average total assets | $284,770,670 | 2,256 |
| Average earning assets | $252,303,000 | 2,330 |
| Average equity | $24,832,670 | 2,675 |
| Average total loans | $243,762,000 | 1,696 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8091% | 72 |
| Cost of funding earning assets | 0.9049% | 967 |
| Net interest margin | 5.9043% | 87 |
| Noninterest income to average assets | 0.3876% | 4,559 |
| Noninterest expense to average assets | 3.2962% | 2,093 |
| Loan and lease loss provision to assets | 0.6366% | 390 |
| Net operating income to assets | 0.9860% | 2,288 |
| Return on assets (ROA) | 0.9860% | 2,412 |
| Pretax return on assets | 1.6241% | 1,249 |
| Return on Equity (ROE) | 11.2130% | 1,640 |
| Retained earnings to average equity (ytd only) | 5.5824% | 2,908 |
| Net charge-offs to loans | 0.4404% | 1,350 |
| Credit loss provision to net charge-offs | 171.1027% | 1,232 |
| Earnings coverage of net charge-offs (x) | 6.0760% | 2,280 |
| Efficiency ratio | 58.2739% | 5,815 |
| Assets per employee ($millions) | 3.5911% | 4,801 |
| Cash dividends to net income (ytd only)* | 50.2152% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,869 |
| Loan loss allowance to noncurrent loans | 117.8996% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.4491% | 3,082 |
| Noncurrent loans to loans | 1.2646% | 3,664 |
| Net loans and leases to total assets | 82.1031% | 277 |
| Net loans and leases to deposits | 96.0399% | 542 |
| Net loans and leases to core deposits | 103.8237% | 725 |
| Total domestic deposits to total assets | 85.4885% | 3,806 |
| Equity capital to assets | 8.7163% | 5,795 |
| Core capital (leverage) ratio | 8.4100% | 5,694 |
| Tier 1 risk-based capital ratio | 10.3441% | 6,620 |
| Total risk-based capital ratio | 11.6034% | 6,605 |
| Memoranda: | ||
| Average total assets | $282,748,500 | 2,301 |
| Average earning assets | $247,550,000 | 2,397 |
| Average equity | $24,864,000 | 2,717 |
| Average total loans | $238,854,000 | 1,733 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8731% | 85 |
| Cost of funding earning assets | 1.0408% | 1,164 |
| Net interest margin | 5.8323% | 100 |
| Noninterest income to average assets | 0.5414% | 3,638 |
| Noninterest expense to average assets | 3.2377% | 2,497 |
| Loan and lease loss provision to assets | 0.6622% | 803 |
| Net operating income to assets | 1.1422% | 1,798 |
| Return on assets (ROA) | 1.1567% | 1,906 |
| Pretax return on assets | 1.8475% | 835 |
| Return on Equity (ROE) | 13.3868% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.9855% | 1,128 |
| Net charge-offs to loans | 0.3427% | 2,920 |
| Credit loss provision to net charge-offs | 226.4080% | 1,100 |
| Earnings coverage of net charge-offs (x) | 8.5031% | 2,398 |
| Efficiency ratio | 55.5151% | 6,119 |
| Assets per employee ($millions) | 3.5216% | 4,969 |
| Cash dividends to net income (ytd only)* | 40.3481% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 4,071 |
| Loan loss allowance to noncurrent loans | 118.1215% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 3,319 |
| Noncurrent loans to loans | 1.2020% | 3,850 |
| Net loans and leases to total assets | 84.4267% | 195 |
| Net loans and leases to deposits | 98.4054% | 484 |
| Net loans and leases to core deposits | 106.7282% | 659 |
| Total domestic deposits to total assets | 85.7947% | 3,459 |
| Equity capital to assets | 8.8736% | 5,657 |
| Core capital (leverage) ratio | 8.2061% | 5,991 |
| Tier 1 risk-based capital ratio | 10.4523% | 6,571 |
| Total risk-based capital ratio | 11.7090% | 6,543 |
| Memoranda: | ||
| Average total assets | $273,185,600 | 2,317 |
| Average earning assets | $242,786,800 | 2,388 |
| Average equity | $23,605,400 | 2,787 |
| Average total loans | $233,157,200 | 1,747 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8357% | 93 |
| Cost of funding earning assets | 1.0643% | 1,217 |
| Net interest margin | 5.7714% | 126 |
| Noninterest income to average assets | 0.5354% | 3,710 |
| Noninterest expense to average assets | 3.2277% | 2,484 |
| Loan and lease loss provision to assets | 0.6761% | 766 |
| Net operating income to assets | 1.0524% | 2,275 |
| Return on assets (ROA) | 1.0718% | 2,410 |
| Pretax return on assets | 1.7936% | 1,063 |
| Return on Equity (ROE) | 12.4902% | 1,467 |
| Retained earnings to average equity (ytd only) | 7.2050% | 2,005 |
| Net charge-offs to loans | 0.2927% | 2,978 |
| Credit loss provision to net charge-offs | 270.9234% | 1,005 |
| Earnings coverage of net charge-offs (x) | 9.7741% | 2,273 |
| Efficiency ratio | 55.8920% | 6,067 |
| Assets per employee ($millions) | 3.5737% | 4,802 |
| Cash dividends to net income (ytd only)* | 42.3147% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,689 |
| Loan loss allowance to noncurrent loans | 125.6490% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.2415% | 3,813 |
| Noncurrent loans to loans | 1.0562% | 4,331 |
| Net loans and leases to total assets | 85.4101% | 168 |
| Net loans and leases to deposits | 99.1093% | 491 |
| Net loans and leases to core deposits | 108.1299% | 646 |
| Total domestic deposits to total assets | 86.1776% | 3,160 |
| Equity capital to assets | 8.5210% | 6,243 |
| Core capital (leverage) ratio | 8.0918% | 6,237 |
| Tier 1 risk-based capital ratio | 9.9453% | 6,810 |
| Total risk-based capital ratio | 11.1990% | 6,788 |
| Memoranda: | ||
| Average total assets | $271,930,250 | 2,348 |
| Average earning assets | $241,782,250 | 2,427 |
| Average equity | $23,335,000 | 2,842 |
| Average total loans | $231,880,500 | 1,772 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7793% | 101 |
| Cost of funding earning assets | 1.0974% | 1,232 |
| Net interest margin | 5.6819% | 138 |
| Noninterest income to average assets | 0.4969% | 3,942 |
| Noninterest expense to average assets | 3.2086% | 2,560 |
| Loan and lease loss provision to assets | 0.7085% | 763 |
| Net operating income to assets | 1.0285% | 2,347 |
| Return on assets (ROA) | 1.0571% | 2,446 |
| Pretax return on assets | 1.6620% | 1,363 |
| Return on Equity (ROE) | 12.2887% | 1,581 |
| Retained earnings to average equity (ytd only) | 7.3092% | 1,946 |
| Net charge-offs to loans | 0.2407% | 3,129 |
| Credit loss provision to net charge-offs | 347.0803% | 841 |
| Earnings coverage of net charge-offs (x) | 11.3942% | 1,967 |
| Efficiency ratio | 56.8717% | 6,020 |
| Assets per employee ($millions) | 3.5151% | 4,949 |
| Cash dividends to net income (ytd only)* | 40.5215% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 5,016 |
| Loan loss allowance to noncurrent loans | 129.4992% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 4,002 |
| Noncurrent loans to loans | 0.9840% | 4,540 |
| Net loans and leases to total assets | 86.2154% | 128 |
| Net loans and leases to deposits | 100.9076% | 386 |
| Net loans and leases to core deposits | 108.4789% | 641 |
| Total domestic deposits to total assets | 85.4400% | 3,647 |
| Equity capital to assets | 8.6076% | 6,116 |
| Core capital (leverage) ratio | 8.2240% | 6,019 |
| Tier 1 risk-based capital ratio | 9.8869% | 6,852 |
| Total risk-based capital ratio | 11.1412% | 6,840 |
| Memoranda: | ||
| Average total assets | $268,465,330 | 2,384 |
| Average earning assets | $238,018,000 | 2,451 |
| Average equity | $23,094,330 | 2,842 |
| Average total loans | $227,715,000 | 1,796 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7576% | 124 |
| Cost of funding earning assets | 1.1546% | 1,162 |
| Net interest margin | 5.6030% | 159 |
| Noninterest income to average assets | 0.5542% | 3,537 |
| Noninterest expense to average assets | 3.2454% | 2,454 |
| Loan and lease loss provision to assets | 0.7801% | 636 |
| Net operating income to assets | 0.9341% | 2,773 |
| Return on assets (ROA) | 0.9909% | 2,709 |
| Pretax return on assets | 1.5270% | 1,807 |
| Return on Equity (ROE) | 11.5229% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.1449% | 2,353 |
| Net charge-offs to loans | 0.3101% | 2,419 |
| Credit loss provision to net charge-offs | 301.1628% | 977 |
| Earnings coverage of net charge-offs (x) | 8.5698% | 1,945 |
| Efficiency ratio | 58.2530% | 5,877 |
| Assets per employee ($millions) | 3.5617% | 4,972 |
| Cash dividends to net income (ytd only)* | 37.9939% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,434 |
| Loan loss allowance to noncurrent loans | 128.0000% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 3,898 |
| Noncurrent loans to loans | 0.9466% | 4,785 |
| Net loans and leases to total assets | 83.0203% | 220 |
| Net loans and leases to deposits | 94.9741% | 603 |
| Net loans and leases to core deposits | 100.5919% | 953 |
| Total domestic deposits to total assets | 87.4137% | 2,717 |
| Equity capital to assets | 8.6175% | 5,972 |
| Core capital (leverage) ratio | 8.1438% | 6,102 |
| Tier 1 risk-based capital ratio | 10.1173% | 6,851 |
| Total risk-based capital ratio | 11.3705% | 6,840 |
| Memoranda: | ||
| Average total assets | $265,610,500 | 2,424 |
| Average earning assets | $232,803,000 | 2,514 |
| Average equity | $22,841,500 | 2,871 |
| Average total loans | $221,856,500 | 1,843 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7573% | 135 |
| Cost of funding earning assets | 1.4929% | 742 |
| Net interest margin | 5.2644% | 257 |
| Noninterest income to average assets | 0.3617% | 4,925 |
| Noninterest expense to average assets | 3.2044% | 2,845 |
| Loan and lease loss provision to assets | 0.6079% | 1,701 |
| Net operating income to assets | 0.6813% | 3,571 |
| Return on assets (ROA) | 0.7090% | 3,624 |
| Pretax return on assets | 1.1199% | 2,767 |
| Return on Equity (ROE) | 8.5335% | 2,660 |
| Retained earnings to average equity (ytd only) | 4.6421% | 2,888 |
| Net charge-offs to loans | 0.6071% | 2,631 |
| Credit loss provision to net charge-offs | 123.0177% | 2,567 |
| Earnings coverage of net charge-offs (x) | 3.4088% | 3,534 |
| Efficiency ratio | 64.2779% | 5,075 |
| Assets per employee ($millions) | 3.5212% | 4,969 |
| Cash dividends to net income (ytd only)* | 45.6009% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,877 |
| Loan loss allowance to noncurrent loans | 86.8007% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 3,478 |
| Noncurrent loans to loans | 1.2476% | 4,284 |
| Net loans and leases to total assets | 82.1106% | 331 |
| Net loans and leases to deposits | 93.8033% | 825 |
| Net loans and leases to core deposits | 100.2965% | 1,150 |
| Total domestic deposits to total assets | 87.5349% | 2,453 |
| Equity capital to assets | 8.5815% | 6,040 |
| Core capital (leverage) ratio | 7.9600% | 6,304 |
| Tier 1 risk-based capital ratio | 10.1206% | 6,820 |
| Total risk-based capital ratio | 11.2619% | 6,843 |
| Memoranda: | ||
| Average total assets | $262,890,800 | 2,401 |
| Average earning assets | $226,067,200 | 2,547 |
| Average equity | $21,843,400 | 2,909 |
| Average total loans | $213,979,200 | 1,923 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7227% | 146 |
| Cost of funding earning assets | 1.5618% | 686 |
| Net interest margin | 5.1609% | 307 |
| Noninterest income to average assets | 0.3483% | 5,072 |
| Noninterest expense to average assets | 3.1947% | 2,844 |
| Loan and lease loss provision to assets | 0.6448% | 1,526 |
| Net operating income to assets | 0.6305% | 3,963 |
| Return on assets (ROA) | 0.6702% | 3,940 |
| Pretax return on assets | 0.9881% | 3,446 |
| Return on Equity (ROE) | 8.1335% | 2,988 |
| Retained earnings to average equity (ytd only) | 4.4364% | 3,568 |
| Net charge-offs to loans | 0.5736% | 2,526 |
| Credit loss provision to net charge-offs | 138.7978% | 2,299 |
| Earnings coverage of net charge-offs (x) | 3.3891% | 3,457 |
| Efficiency ratio | 65.6872% | 4,775 |
| Assets per employee ($millions) | 3.5837% | 4,799 |
| Cash dividends to net income (ytd only)* | 45.4544% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,937 |
| Loan loss allowance to noncurrent loans | 73.7705% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.8511% | 3,328 |
| Noncurrent loans to loans | 1.4751% | 4,085 |
| Net loans and leases to total assets | 83.2882% | 269 |
| Net loans and leases to deposits | 95.4723% | 731 |
| Net loans and leases to core deposits | 101.6026% | 1,112 |
| Total domestic deposits to total assets | 87.2381% | 2,501 |
| Equity capital to assets | 8.4421% | 6,356 |
| Core capital (leverage) ratio | 7.9268% | 6,460 |
| Tier 1 risk-based capital ratio | 9.9042% | 6,981 |
| Total risk-based capital ratio | 11.0668% | 6,995 |
| Memoranda: | ||
| Average total assets | $262,591,000 | 2,419 |
| Average earning assets | $224,944,000 | 2,566 |
| Average equity | $21,638,500 | 2,923 |
| Average total loans | $212,669,000 | 1,951 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6117% | 177 |
| Cost of funding earning assets | 1.6324% | 618 |
| Net interest margin | 4.9793% | 411 |
| Noninterest income to average assets | 0.4333% | 4,407 |
| Noninterest expense to average assets | 3.2064% | 2,872 |
| Loan and lease loss provision to assets | 0.5846% | 1,658 |
| Net operating income to assets | 0.5988% | 4,069 |
| Return on assets (ROA) | 0.6067% | 4,162 |
| Pretax return on assets | 0.8750% | 3,734 |
| Return on Equity (ROE) | 7.4245% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.6842% | 3,876 |
| Net charge-offs to loans | 0.6331% | 2,252 |
| Credit loss provision to net charge-offs | 115.5589% | 2,649 |
| Earnings coverage of net charge-offs (x) | 2.8625% | 3,410 |
| Efficiency ratio | 67.5423% | 4,602 |
| Assets per employee ($millions) | 3.5001% | 4,939 |
| Cash dividends to net income (ytd only)* | 50.3778% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,335 |
| Loan loss allowance to noncurrent loans | 56.7779% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1760% | 3,015 |
| Noncurrent loans to loans | 1.7619% | 3,806 |
| Net loans and leases to total assets | 82.1093% | 361 |
| Net loans and leases to deposits | 93.9475% | 874 |
| Net loans and leases to core deposits | 101.1934% | 1,241 |
| Total domestic deposits to total assets | 87.3991% | 2,521 |
| Equity capital to assets | 8.2856% | 6,439 |
| Core capital (leverage) ratio | 7.8309% | 6,482 |
| Tier 1 risk-based capital ratio | 9.9405% | 6,996 |
| Total risk-based capital ratio | 11.0065% | 7,042 |
| Memoranda: | ||
| Average total assets | $261,722,670 | 2,443 |
| Average earning assets | $221,880,330 | 2,626 |
| Average equity | $21,388,670 | 2,951 |
| Average total loans | $209,123,000 | 2,005 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4729% | 221 |
| Cost of funding earning assets | 1.7016% | 548 |
| Net interest margin | 4.7713% | 608 |
| Noninterest income to average assets | 0.5281% | 3,665 |
| Noninterest expense to average assets | 3.2924% | 2,583 |
| Loan and lease loss provision to assets | 0.5862% | 1,474 |
| Net operating income to assets | 0.4469% | 4,736 |
| Return on assets (ROA) | 0.4577% | 4,762 |
| Pretax return on assets | 0.6520% | 4,483 |
| Return on Equity (ROE) | 5.6394% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.8672% | 4,997 |
| Net charge-offs to loans | 0.8690% | 1,520 |
| Credit loss provision to net charge-offs | 86.0674% | 3,019 |
| Earnings coverage of net charge-offs (x) | 1.7955% | 3,406 |
| Efficiency ratio | 71.5254% | 3,955 |
| Assets per employee ($millions) | 3.4824% | 5,033 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 6,483 |
| Loan loss allowance to noncurrent loans | 48.0774% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.2796% | 2,970 |
| Noncurrent loans to loans | 2.0231% | 3,541 |
| Net loans and leases to total assets | 78.4684% | 681 |
| Net loans and leases to deposits | 89.5880% | 1,280 |
| Net loans and leases to core deposits | 96.6175% | 1,628 |
| Total domestic deposits to total assets | 87.5880% | 2,620 |
| Equity capital to assets | 8.1452% | 6,347 |
| Core capital (leverage) ratio | 7.7096% | 6,552 |
| Tier 1 risk-based capital ratio | 10.0851% | 6,974 |
| Total risk-based capital ratio | 11.0998% | 7,058 |
| Memoranda: | ||
| Average total assets | $261,331,500 | 2,463 |
| Average earning assets | $218,387,500 | 2,680 |
| Average equity | $21,208,000 | 2,960 |
| Average total loans | $204,825,000 | 2,053 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5665% | 293 |
| Cost of funding earning assets | 1.9937% | 623 |
| Net interest margin | 4.5727% | 1,074 |
| Noninterest income to average assets | 0.4943% | 4,210 |
| Noninterest expense to average assets | 2.9863% | 3,900 |
| Loan and lease loss provision to assets | 0.7244% | 2,268 |
| Net operating income to assets | 0.5394% | 3,929 |
| Return on assets (ROA) | 0.5400% | 4,075 |
| Pretax return on assets | 0.7903% | 3,669 |
| Return on Equity (ROE) | 6.2084% | 3,510 |
| Retained earnings to average equity (ytd only) | 2.0832% | 4,424 |
| Net charge-offs to loans | 0.6546% | 3,043 |
| Credit loss provision to net charge-offs | 132.1604% | 2,978 |
| Earnings coverage of net charge-offs (x) | 2.7619% | 3,693 |
| Efficiency ratio | 65.4440% | 5,080 |
| Assets per employee ($millions) | 3.4864% | 4,963 |
| Cash dividends to net income (ytd only)* | 66.4452% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,267 |
| Loan loss allowance to noncurrent loans | 63.1467% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.9030% | 3,469 |
| Noncurrent loans to loans | 1.6212% | 4,072 |
| Net loans and leases to total assets | 76.7233% | 1,139 |
| Net loans and leases to deposits | 87.8800% | 1,810 |
| Net loans and leases to core deposits | 94.9262% | 2,139 |
| Total domestic deposits to total assets | 87.3046% | 2,665 |
| Equity capital to assets | 8.0855% | 6,400 |
| Core capital (leverage) ratio | 8.7627% | 4,911 |
| Tier 1 risk-based capital ratio | 9.9396% | 7,005 |
| Total risk-based capital ratio | 10.9756% | 7,075 |
| Memoranda: | ||
| Average total assets | $222,950,600 | 2,830 |
| Average earning assets | $195,310,800 | 2,936 |
| Average equity | $19,393,200 | 3,228 |
| Average total loans | $186,671,400 | 2,282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6442% | 263 |
| Cost of funding earning assets | 2.0577% | 617 |
| Net interest margin | 4.5865% | 1,073 |
| Noninterest income to average assets | 0.5031% | 4,161 |
| Noninterest expense to average assets | 3.0551% | 3,556 |
| Loan and lease loss provision to assets | 0.6344% | 2,403 |
| Net operating income to assets | 0.6254% | 3,769 |
| Return on assets (ROA) | 0.6263% | 3,937 |
| Pretax return on assets | 0.9163% | 3,504 |
| Return on Equity (ROE) | 7.0477% | 3,325 |
| Retained earnings to average equity (ytd only) | 2.8275% | 4,445 |
| Net charge-offs to loans | 0.6044% | 2,928 |
| Credit loss provision to net charge-offs | 122.5845% | 3,353 |
| Earnings coverage of net charge-offs (x) | 2.9940% | 3,633 |
| Efficiency ratio | 65.4133% | 4,972 |
| Assets per employee ($millions) | 3.6316% | 4,661 |
| Cash dividends to net income (ytd only)* | 59.8801% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,482 |
| Loan loss allowance to noncurrent loans | 59.3522% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.2962% | 3,088 |
| Noncurrent loans to loans | 1.6491% | 4,169 |
| Net loans and leases to total assets | 83.9806% | 332 |
| Net loans and leases to deposits | 97.5742% | 834 |
| Net loans and leases to core deposits | 108.1695% | 1,151 |
| Total domestic deposits to total assets | 86.0684% | 3,037 |
| Equity capital to assets | 8.5256% | 6,249 |
| Core capital (leverage) ratio | 8.4646% | 5,571 |
| Tier 1 risk-based capital ratio | 10.2268% | 6,947 |
| Total risk-based capital ratio | 11.2540% | 7,054 |
| Memoranda: | ||
| Average total assets | $213,318,250 | 3,001 |
| Average earning assets | $190,757,250 | 3,028 |
| Average equity | $18,956,000 | 3,323 |
| Average total loans | $182,666,500 | 2,364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6214% | 281 |
| Cost of funding earning assets | 2.0875% | 689 |
| Net interest margin | 4.5339% | 1,140 |
| Noninterest income to average assets | 0.4939% | 4,170 |
| Noninterest expense to average assets | 3.0787% | 3,399 |
| Loan and lease loss provision to assets | 0.5731% | 2,483 |
| Net operating income to assets | 0.5977% | 3,889 |
| Return on assets (ROA) | 0.5989% | 4,021 |
| Pretax return on assets | 0.8998% | 3,490 |
| Return on Equity (ROE) | 6.6434% | 3,469 |
| Retained earnings to average equity (ytd only) | 2.4052% | 4,629 |
| Net charge-offs to loans | 0.4936% | 3,064 |
| Credit loss provision to net charge-offs | 135.1351% | 2,968 |
| Earnings coverage of net charge-offs (x) | 3.4685% | 3,315 |
| Efficiency ratio | 66.7017% | 4,841 |
| Assets per employee ($millions) | 3.4726% | 4,989 |
| Cash dividends to net income (ytd only)* | 63.7959% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,441 |
| Loan loss allowance to noncurrent loans | 56.2251% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 2.5485% | 2,837 |
| Noncurrent loans to loans | 1.7640% | 4,041 |
| Net loans and leases to total assets | 85.2195% | 275 |
| Net loans and leases to deposits | 99.5967% | 760 |
| Net loans and leases to core deposits | 110.4642% | 1,136 |
| Total domestic deposits to total assets | 85.5646% | 3,337 |
| Equity capital to assets | 8.8271% | 5,715 |
| Core capital (leverage) ratio | 8.6206% | 5,207 |
| Tier 1 risk-based capital ratio | 10.4661% | 6,712 |
| Total risk-based capital ratio | 11.5110% | 6,849 |
| Memoranda: | ||
| Average total assets | $209,371,670 | 3,053 |
| Average earning assets | $187,301,000 | 3,102 |
| Average equity | $18,876,000 | 3,316 |
| Average total loans | $179,902,670 | 2,425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5705% | 319 |
| Cost of funding earning assets | 2.1054% | 800 |
| Net interest margin | 4.4651% | 1,219 |
| Noninterest income to average assets | 0.5232% | 3,861 |
| Noninterest expense to average assets | 3.0639% | 3,418 |
| Loan and lease loss provision to assets | 0.5814% | 2,174 |
| Net operating income to assets | 0.5794% | 3,988 |
| Return on assets (ROA) | 0.5794% | 4,130 |
| Pretax return on assets | 0.8604% | 3,625 |
| Return on Equity (ROE) | 6.3578% | 3,691 |
| Retained earnings to average equity (ytd only) | 2.1051% | 4,870 |
| Net charge-offs to loans | 0.6388% | 2,223 |
| Credit loss provision to net charge-offs | 106.0071% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6290% | 3,226 |
| Efficiency ratio | 67.0108% | 4,919 |
| Assets per employee ($millions) | 3.4865% | 5,059 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,705 |
| Loan loss allowance to noncurrent loans | 46.6374% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 2.4657% | 2,942 |
| Noncurrent loans to loans | 2.0185% | 3,768 |
| Net loans and leases to total assets | 85.4642% | 250 |
| Net loans and leases to deposits | 100.4766% | 724 |
| Net loans and leases to core deposits | 111.0131% | 1,220 |
| Total domestic deposits to total assets | 85.0588% | 3,649 |
| Equity capital to assets | 9.0159% | 5,253 |
| Core capital (leverage) ratio | 8.8993% | 4,730 |
| Tier 1 risk-based capital ratio | 10.5855% | 6,554 |
| Total risk-based capital ratio | 11.5717% | 6,792 |
| Memoranda: | ||
| Average total assets | $206,405,500 | 3,138 |
| Average earning assets | $184,094,500 | 3,203 |
| Average equity | $18,811,500 | 3,344 |
| Average total loans | $177,194,500 | 2,515 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9570% | 297 |
| Cost of funding earning assets | 2.4527% | 1,145 |
| Net interest margin | 4.5043% | 1,173 |
| Noninterest income to average assets | 0.6675% | 3,176 |
| Noninterest expense to average assets | 3.2787% | 3,086 |
| Loan and lease loss provision to assets | 0.7383% | 2,899 |
| Net operating income to assets | 0.4529% | 3,917 |
| Return on assets (ROA) | 0.4504% | 4,045 |
| Pretax return on assets | 0.6633% | 3,696 |
| Return on Equity (ROE) | 4.8441% | 3,741 |
| Retained earnings to average equity (ytd only) | 0.4906% | 4,631 |
| Net charge-offs to loans | 0.8036% | 2,815 |
| Credit loss provision to net charge-offs | 104.9180% | 5,272 |
| Earnings coverage of net charge-offs (x) | 1.9970% | 4,225 |
| Efficiency ratio | 68.9690% | 4,831 |
| Assets per employee ($millions) | 3.3937% | 5,274 |
| Cash dividends to net income (ytd only)* | 89.8719% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,548 |
| Loan loss allowance to noncurrent loans | 56.7094% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.2502% | 3,067 |
| Noncurrent loans to loans | 1.7055% | 4,083 |
| Net loans and leases to total assets | 84.5814% | 387 |
| Net loans and leases to deposits | 100.3572% | 871 |
| Net loans and leases to core deposits | 151.8618% | 465 |
| Total domestic deposits to total assets | 84.2803% | 3,907 |
| Equity capital to assets | 9.2145% | 4,823 |
| Core capital (leverage) ratio | 8.9743% | 4,467 |
| Tier 1 risk-based capital ratio | 10.7578% | 6,149 |
| Total risk-based capital ratio | 11.7562% | 6,368 |
| Memoranda: | ||
| Average total assets | $190,715,000 | 3,279 |
| Average earning assets | $170,058,200 | 3,345 |
| Average equity | $17,733,000 | 3,539 |
| Average total loans | $166,995,600 | 2,664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9727% | 314 |
| Cost of funding earning assets | 2.5156% | 1,247 |
| Net interest margin | 4.4571% | 1,303 |
| Noninterest income to average assets | 0.6962% | 3,039 |
| Noninterest expense to average assets | 3.3872% | 2,620 |
| Loan and lease loss provision to assets | 0.6827% | 2,689 |
| Net operating income to assets | 0.4260% | 4,297 |
| Return on assets (ROA) | 0.4210% | 4,420 |
| Pretax return on assets | 0.5995% | 4,190 |
| Return on Equity (ROE) | 4.5167% | 4,156 |
| Retained earnings to average equity (ytd only) | 0.1526% | 5,139 |
| Net charge-offs to loans | 0.8673% | 2,234 |
| Credit loss provision to net charge-offs | 89.3023% | 5,502 |
| Earnings coverage of net charge-offs (x) | 1.6865% | 4,533 |
| Efficiency ratio | 71.3808% | 4,351 |
| Assets per employee ($millions) | 3.3220% | 5,335 |
| Cash dividends to net income (ytd only)* | 96.6224% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 6,978 |
| Loan loss allowance to noncurrent loans | 60.7446% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 3,450 |
| Noncurrent loans to loans | 1.3871% | 4,593 |
| Net loans and leases to total assets | 88.6184% | 170 |
| Net loans and leases to deposits | 106.4547% | 629 |
| Net loans and leases to core deposits | 166.4531% | 301 |
| Total domestic deposits to total assets | 83.2451% | 4,088 |
| Equity capital to assets | 9.3869% | 4,901 |
| Core capital (leverage) ratio | 9.1775% | 4,368 |
| Tier 1 risk-based capital ratio | 10.6928% | 6,256 |
| Total risk-based capital ratio | 11.5852% | 6,580 |
| Memoranda: | ||
| Average total assets | $187,487,750 | 3,344 |
| Average earning assets | $167,430,250 | 3,414 |
| Average equity | $17,475,500 | 3,618 |
| Average total loans | $165,267,000 | 2,709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9485% | 350 |
| Cost of funding earning assets | 2.5644% | 1,390 |
| Net interest margin | 4.3842% | 1,441 |
| Noninterest income to average assets | 0.7072% | 2,950 |
| Noninterest expense to average assets | 3.4640% | 2,447 |
| Loan and lease loss provision to assets | 0.8325% | 2,013 |
| Net operating income to assets | 0.2134% | 5,213 |
| Return on assets (ROA) | 0.2059% | 5,317 |
| Pretax return on assets | 0.3007% | 5,207 |
| Return on Equity (ROE) | 2.2152% | 5,213 |
| Retained earnings to average equity (ytd only) | -2.1449% | 5,774 |
| Net charge-offs to loans | 0.9020% | 1,896 |
| Credit loss provision to net charge-offs | 105.2342% | 4,373 |
| Earnings coverage of net charge-offs (x) | 1.4463% | 4,447 |
| Efficiency ratio | 74.0837% | 4,024 |
| Assets per employee ($millions) | 3.1095% | 5,841 |
| Cash dividends to net income (ytd only)* | 196.8254% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 6,426 |
| Loan loss allowance to noncurrent loans | 81.1580% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.8035% | 3,470 |
| Noncurrent loans to loans | 1.2001% | 4,816 |
| Net loans and leases to total assets | 87.2270% | 291 |
| Net loans and leases to deposits | 105.2814% | 811 |
| Net loans and leases to core deposits | 158.2342% | 482 |
| Total domestic deposits to total assets | 82.8513% | 4,309 |
| Equity capital to assets | 9.5788% | 4,514 |
| Core capital (leverage) ratio | 9.5458% | 3,814 |
| Tier 1 risk-based capital ratio | 10.9449% | 5,934 |
| Total risk-based capital ratio | 11.9608% | 6,117 |
| Memoranda: | ||
| Average total assets | $183,543,330 | 3,431 |
| Average earning assets | $163,315,330 | 3,500 |
| Average equity | $17,064,000 | 3,699 |
| Average total loans | $160,977,330 | 2,800 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0186% | 321 |
| Cost of funding earning assets | 2.6238% | 1,495 |
| Net interest margin | 4.3948% | 1,353 |
| Noninterest income to average assets | 0.6237% | 3,391 |
| Noninterest expense to average assets | 3.4809% | 2,155 |
| Loan and lease loss provision to assets | 0.2616% | 3,869 |
| Net operating income to assets | 0.5008% | 4,417 |
| Return on assets (ROA) | 0.5008% | 4,608 |
| Pretax return on assets | 0.7869% | 4,125 |
| Return on Equity (ROE) | 5.4759% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.2712% | 5,127 |
| Net charge-offs to loans | 0.9428% | 1,405 |
| Credit loss provision to net charge-offs | 31.7073% | 4,928 |
| Earnings coverage of net charge-offs (x) | 1.2710% | 4,105 |
| Efficiency ratio | 75.7157% | 3,532 |
| Assets per employee ($millions) | 2.8863% | 6,447 |
| Cash dividends to net income (ytd only)* | 76.7857% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,932 |
| Loan loss allowance to noncurrent loans | 66.5691% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.8676% | 3,117 |
| Noncurrent loans to loans | 1.2870% | 4,400 |
| Net loans and leases to total assets | 86.8037% | 353 |
| Net loans and leases to deposits | 104.7274% | 964 |
| Net loans and leases to core deposits | 152.5569% | 631 |
| Total domestic deposits to total assets | 82.8854% | 4,201 |
| Equity capital to assets | 10.2690% | 3,684 |
| Core capital (leverage) ratio | 10.1670% | 3,227 |
| Tier 1 risk-based capital ratio | 11.6191% | 5,282 |
| Total risk-based capital ratio | 12.4978% | 5,560 |
| Memoranda: | ||
| Average total assets | $178,920,000 | 3,524 |
| Average earning assets | $159,005,000 | 3,596 |
| Average equity | $16,362,500 | 3,869 |
| Average total loans | $156,556,500 | 2,902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8249% | 237 |
| Cost of funding earning assets | 3.1733% | 1,276 |
| Net interest margin | 4.6516% | 1,051 |
| Noninterest income to average assets | 0.6827% | 3,231 |
| Noninterest expense to average assets | 4.0746% | 1,315 |
| Loan and lease loss provision to assets | 0.3983% | 3,302 |
| Net operating income to assets | -0.1235% | 6,525 |
| Return on assets (ROA) | -0.1919% | 6,459 |
| Pretax return on assets | 0.1954% | 5,742 |
| Return on Equity (ROE) | -2.2087% | 6,536 |
| Retained earnings to average equity (ytd only) | -7.3779% | 6,820 |
| Net charge-offs to loans | 0.4983% | 2,372 |
| Credit loss provision to net charge-offs | 92.3592% | 5,620 |
| Earnings coverage of net charge-offs (x) | 1.6247% | 5,273 |
| Efficiency ratio | 84.2150% | 2,027 |
| Assets per employee ($millions) | 2.8387% | 6,472 |
| Cash dividends to net income (ytd only)* | -234.0361% | 8,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 5,630 |
| Loan loss allowance to noncurrent loans | 91.9750% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 3,608 |
| Noncurrent loans to loans | 1.1416% | 4,261 |
| Net loans and leases to total assets | 86.5279% | 538 |
| Net loans and leases to deposits | 102.6573% | 1,512 |
| Net loans and leases to core deposits | 146.4327% | 999 |
| Total domestic deposits to total assets | 84.2882% | 3,182 |
| Equity capital to assets | 7.9840% | 6,865 |
| Core capital (leverage) ratio | 7.5357% | 7,158 |
| Tier 1 risk-based capital ratio | 8.8869% | 7,855 |
| Total risk-based capital ratio | 9.9620% | 8,015 |
| Memoranda: | ||
| Average total assets | $172,998,600 | 3,504 |
| Average earning assets | $152,206,800 | 3,611 |
| Average equity | $15,031,400 | 4,138 |
| Average total loans | $149,700,800 | 2,936 |