Home > Cheaha Bank > Performance and Condition Ratios
Cheaha Bank, Performance and Condition Ratios
| 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 | 4.5891% | 684 |
| Cost of funding earning assets | 0.5141% | 1,310 |
| Net interest margin | 4.0750% | 756 |
| Noninterest income to average assets | 0.5276% | 2,491 |
| Noninterest expense to average assets | 3.0492% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0456% | 2,653 |
| Return on assets (ROA) | 1.3935% | 1,666 |
| Pretax return on assets | 1.7284% | 1,431 |
| Return on Equity (ROE) | 10.7358% | 2,443 |
| Retained earnings to average equity (ytd only) | -2.2931% | 4,557 |
| Net charge-offs to loans | 0.0256% | 1,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 633 |
| Efficiency ratio | 70.1284% | 1,680 |
| Assets per employee ($millions) | 6.4339% | 2,226 |
| Cash dividends to net income (ytd only)* | 121.3592% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,410 |
| Loan loss allowance to noncurrent loans | 8,960.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,348 |
| Noncurrent loans to loans | 0.0123% | 4,246 |
| Net loans and leases to total assets | 50.5591% | 3,577 |
| Net loans and leases to deposits | 58.3559% | 3,616 |
| Net loans and leases to core deposits | 67.8461% | 3,073 |
| Total domestic deposits to total assets | 86.6393% | 2,469 |
| Equity capital to assets | 12.6630% | 1,008 |
| Core capital (leverage) ratio | 12.3315% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1766% | 571 |
| Memoranda: | ||
| Average total assets | $236,522,000 | 2,820 |
| Average earning assets | $221,744,500 | 2,805 |
| Average equity | $30,701,000 | 2,497 |
| Average total loans | $124,867,500 | 2,966 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,173 |
| Cost of funding earning assets | 0.8007% | 1,208 |
| Net interest margin | 3.7629% | 1,607 |
| Noninterest income to average assets | 0.6119% | 2,176 |
| Noninterest expense to average assets | 2.4082% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4287% | 954 |
| Return on assets (ROA) | 1.5010% | 885 |
| Pretax return on assets | 1.8469% | 617 |
| Return on Equity (ROE) | 11.7510% | 1,392 |
| Retained earnings to average equity (ytd only) | 6.5361% | 1,577 |
| Net charge-offs to loans | 0.0684% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 46.0233% | 1,278 |
| Efficiency ratio | 57.8083% | 3,753 |
| Assets per employee ($millions) | 5.7314% | 2,599 |
| Cash dividends to net income (ytd only)* | 44.3787% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,656 |
| Loan loss allowance to noncurrent loans | 1,056.2500% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 4,067 |
| Noncurrent loans to loans | 0.1000% | 3,893 |
| Net loans and leases to total assets | 53.9091% | 3,494 |
| Net loans and leases to deposits | 62.7144% | 3,549 |
| Net loans and leases to core deposits | 75.9655% | 2,734 |
| Total domestic deposits to total assets | 85.9597% | 2,384 |
| Equity capital to assets | 13.3015% | 997 |
| Core capital (leverage) ratio | 12.2199% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7013% | 696 |
| Memoranda: | ||
| Average total assets | $225,188,000 | 2,763 |
| Average earning assets | $212,682,800 | 2,725 |
| Average equity | $28,763,400 | 2,545 |
| Average total loans | $125,647,200 | 2,915 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,239 |
| Cost of funding earning assets | 0.8422% | 1,296 |
| Net interest margin | 3.7820% | 1,676 |
| Noninterest income to average assets | 0.6782% | 1,864 |
| Noninterest expense to average assets | 2.4728% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4019% | 1,097 |
| Return on assets (ROA) | 1.4737% | 1,039 |
| Pretax return on assets | 1.8634% | 687 |
| Return on Equity (ROE) | 11.6652% | 1,460 |
| Retained earnings to average equity (ytd only) | 4.5580% | 2,770 |
| Net charge-offs to loans | 0.0938% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 33.6477% | 1,497 |
| Efficiency ratio | 58.2487% | 3,632 |
| Assets per employee ($millions) | 5.7973% | 2,454 |
| Cash dividends to net income (ytd only)* | 60.9261% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.4120% | 3,854 |
| Net loans and leases to deposits | 64.2450% | 3,776 |
| Net loans and leases to core deposits | 77.6933% | 3,038 |
| Total domestic deposits to total assets | 83.1380% | 3,110 |
| Equity capital to assets | 12.7053% | 1,328 |
| Core capital (leverage) ratio | 12.0220% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9038% | 795 |
| Memoranda: | ||
| Average total assets | $222,738,000 | 2,755 |
| Average earning assets | $210,076,000 | 2,729 |
| Average equity | $28,140,000 | 2,588 |
| Average total loans | $125,051,000 | 2,926 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 1,192 |
| Cost of funding earning assets | 0.8938% | 1,405 |
| Net interest margin | 3.8973% | 1,577 |
| Noninterest income to average assets | 0.8184% | 1,384 |
| Noninterest expense to average assets | 2.5322% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5458% | 852 |
| Return on assets (ROA) | 1.5458% | 925 |
| Pretax return on assets | 1.9545% | 604 |
| Return on Equity (ROE) | 12.2607% | 1,272 |
| Retained earnings to average equity (ytd only) | 1.3332% | 3,997 |
| Net charge-offs to loans | 0.0645% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 53.2000% | 1,062 |
| Efficiency ratio | 56.4381% | 3,894 |
| Assets per employee ($millions) | 5.9758% | 2,205 |
| Cash dividends to net income (ytd only)* | 89.1266% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,455 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 54.6553% | 3,821 |
| Net loans and leases to deposits | 66.0757% | 3,716 |
| Net loans and leases to core deposits | 79.9029% | 2,954 |
| Total domestic deposits to total assets | 82.7162% | 3,176 |
| Equity capital to assets | 12.6445% | 1,315 |
| Core capital (leverage) ratio | 11.8846% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5124% | 717 |
| Memoranda: | ||
| Average total assets | $217,754,667 | 2,777 |
| Average earning assets | $204,960,000 | 2,742 |
| Average equity | $27,453,667 | 2,615 |
| Average total loans | $123,966,667 | 2,930 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 937 |
| Cost of funding earning assets | 0.9584% | 1,615 |
| Net interest margin | 4.0562% | 1,233 |
| Noninterest income to average assets | 0.4798% | 2,653 |
| Noninterest expense to average assets | 2.7263% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2432% | 1,397 |
| Return on assets (ROA) | 1.2432% | 1,498 |
| Pretax return on assets | 1.5726% | 1,130 |
| Return on Equity (ROE) | 9.8767% | 1,791 |
| Retained earnings to average equity (ytd only) | -12.8110% | 4,845 |
| Net charge-offs to loans | 0.0494% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 55.0667% | 842 |
| Efficiency ratio | 63.4190% | 3,311 |
| Assets per employee ($millions) | 5.4079% | 2,219 |
| Cash dividends to net income (ytd only)* | 229.7090% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,851 |
| Loan loss allowance to noncurrent loans | 10,946.1538% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,477 |
| Noncurrent loans to loans | 0.0106% | 4,537 |
| Net loans and leases to total assets | 57.2086% | 3,733 |
| Net loans and leases to deposits | 65.7198% | 3,884 |
| Net loans and leases to core deposits | 80.1372% | 3,185 |
| Total domestic deposits to total assets | 87.0493% | 1,534 |
| Equity capital to assets | 11.7597% | 2,245 |
| Core capital (leverage) ratio | 12.5175% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,103,500 | 2,787 |
| Average earning assets | $197,821,000 | 2,760 |
| Average equity | $26,446,000 | 2,679 |
| Average total loans | $121,562,000 | 2,940 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 1,115 |
| Cost of funding earning assets | 0.9587% | 1,915 |
| Net interest margin | 4.1880% | 1,343 |
| Noninterest income to average assets | 0.4792% | 2,858 |
| Noninterest expense to average assets | 2.6835% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4078% | 1,319 |
| Return on assets (ROA) | 1.4507% | 1,250 |
| Pretax return on assets | 1.7745% | 1,008 |
| Return on Equity (ROE) | 10.8726% | 1,940 |
| Retained earnings to average equity (ytd only) | -4.3824% | 4,960 |
| Net charge-offs to loans | 0.1764% | 1,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 17.1884% | 2,123 |
| Efficiency ratio | 60.9097% | 3,552 |
| Assets per employee ($millions) | 4.9833% | 2,623 |
| Cash dividends to net income (ytd only)* | 140.3070% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,504 |
| Loan loss allowance to noncurrent loans | 1,843.5897% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,457 |
| Noncurrent loans to loans | 0.0644% | 4,282 |
| Net loans and leases to total assets | 57.1457% | 3,836 |
| Net loans and leases to deposits | 66.8306% | 3,910 |
| Net loans and leases to core deposits | 81.1934% | 3,200 |
| Total domestic deposits to total assets | 85.5084% | 2,285 |
| Equity capital to assets | 13.4209% | 1,318 |
| Core capital (leverage) ratio | 13.0273% | 1,225 |
| Tier 1 risk-based capital ratio | 21.0912% | 1,149 |
| Total risk-based capital ratio | 22.1979% | 1,148 |
| Memoranda: | ||
| Average total assets | $206,595,600 | 2,790 |
| Average earning assets | $193,696,200 | 2,764 |
| Average equity | $27,564,800 | 2,526 |
| Average total loans | $117,318,000 | 2,973 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 1,147 |
| Cost of funding earning assets | 0.9444% | 2,016 |
| Net interest margin | 4.2082% | 1,360 |
| Noninterest income to average assets | 0.4630% | 2,940 |
| Noninterest expense to average assets | 2.6916% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3969% | 1,479 |
| Return on assets (ROA) | 1.4543% | 1,376 |
| Pretax return on assets | 1.7767% | 1,146 |
| Return on Equity (ROE) | 10.9158% | 2,052 |
| Retained earnings to average equity (ytd only) | -8.5489% | 5,131 |
| Net charge-offs to loans | 0.2371% | 750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 12.7344% | 2,337 |
| Efficiency ratio | 61.1953% | 3,451 |
| Assets per employee ($millions) | 4.4934% | 3,218 |
| Cash dividends to net income (ytd only)* | 178.3172% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 2,462 |
| Loan loss allowance to noncurrent loans | 4,958.6207% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,686 |
| Noncurrent loans to loans | 0.0244% | 4,569 |
| Net loans and leases to total assets | 56.8642% | 3,980 |
| Net loans and leases to deposits | 66.3850% | 4,040 |
| Net loans and leases to core deposits | 81.7164% | 3,268 |
| Total domestic deposits to total assets | 85.6582% | 2,136 |
| Equity capital to assets | 13.3104% | 1,460 |
| Core capital (leverage) ratio | 12.9626% | 1,359 |
| Tier 1 risk-based capital ratio | 21.0774% | 1,185 |
| Total risk-based capital ratio | 22.2061% | 1,177 |
| Memoranda: | ||
| Average total assets | $205,919,500 | 2,812 |
| Average earning assets | $192,572,250 | 2,794 |
| Average equity | $27,433,500 | 2,547 |
| Average total loans | $116,386,500 | 3,011 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 1,114 |
| Cost of funding earning assets | 0.9066% | 2,108 |
| Net interest margin | 4.2412% | 1,264 |
| Noninterest income to average assets | 0.4522% | 2,947 |
| Noninterest expense to average assets | 2.6587% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4692% | 1,234 |
| Return on assets (ROA) | 1.5190% | 1,142 |
| Pretax return on assets | 1.8107% | 1,006 |
| Return on Equity (ROE) | 11.3984% | 1,826 |
| Retained earnings to average equity (ytd only) | -17.4625% | 5,238 |
| Net charge-offs to loans | 0.3670% | 453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.4953% | 2,409 |
| Efficiency ratio | 60.2867% | 3,682 |
| Assets per employee ($millions) | 4.6154% | 2,986 |
| Cash dividends to net income (ytd only)* | 253.2010% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,725 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 56.1572% | 4,069 |
| Net loans and leases to deposits | 65.1838% | 4,148 |
| Net loans and leases to core deposits | 78.8153% | 3,516 |
| Total domestic deposits to total assets | 86.1521% | 1,955 |
| Equity capital to assets | 12.8334% | 1,674 |
| Core capital (leverage) ratio | 12.8361% | 1,383 |
| Tier 1 risk-based capital ratio | 20.1520% | 1,321 |
| Total risk-based capital ratio | 21.2543% | 1,324 |
| Memoranda: | ||
| Average total assets | $205,660,670 | 2,824 |
| Average earning assets | $191,926,330 | 2,805 |
| Average equity | $27,407,330 | 2,537 |
| Average total loans | $115,524,000 | 3,038 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 1,059 |
| Cost of funding earning assets | 0.8601% | 2,206 |
| Net interest margin | 4.2585% | 1,173 |
| Noninterest income to average assets | 0.4574% | 2,810 |
| Noninterest expense to average assets | 2.7404% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4394% | 1,272 |
| Return on assets (ROA) | 1.5324% | 1,069 |
| Pretax return on assets | 1.8041% | 976 |
| Return on Equity (ROE) | 11.2871% | 1,828 |
| Retained earnings to average equity (ytd only) | 9.8474% | 1,075 |
| Net charge-offs to loans | 0.3291% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.2234% | 2,042 |
| Efficiency ratio | 61.7893% | 3,567 |
| Assets per employee ($millions) | 4.6072% | 3,031 |
| Cash dividends to net income (ytd only)* | 12.7551% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 1,888 |
| Loan loss allowance to noncurrent loans | 4,308.3333% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 4,560 |
| Noncurrent loans to loans | 0.0312% | 4,636 |
| Net loans and leases to total assets | 54.8667% | 4,143 |
| Net loans and leases to deposits | 64.3567% | 4,159 |
| Net loans and leases to core deposits | 77.6497% | 3,544 |
| Total domestic deposits to total assets | 85.2541% | 2,581 |
| Equity capital to assets | 13.8207% | 1,103 |
| Core capital (leverage) ratio | 14.4154% | 837 |
| Tier 1 risk-based capital ratio | 23.0185% | 933 |
| Total risk-based capital ratio | 24.2372% | 917 |
| Memoranda: | ||
| Average total assets | $204,645,000 | 2,857 |
| Average earning assets | $191,147,500 | 2,840 |
| Average equity | $27,784,000 | 2,532 |
| Average total loans | $114,252,000 | 3,093 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 893 |
| Cost of funding earning assets | 0.6659% | 2,296 |
| Net interest margin | 4.4124% | 910 |
| Noninterest income to average assets | 0.5077% | 2,792 |
| Noninterest expense to average assets | 2.7056% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5857% | 908 |
| Return on assets (ROA) | 1.6210% | 821 |
| Pretax return on assets | 1.9557% | 618 |
| Return on Equity (ROE) | 12.6275% | 1,500 |
| Retained earnings to average equity (ytd only) | 7.2361% | 1,564 |
| Net charge-offs to loans | 0.0552% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 63.4426% | 989 |
| Efficiency ratio | 58.5786% | 4,067 |
| Assets per employee ($millions) | 4.5901% | 3,033 |
| Cash dividends to net income (ytd only)* | 42.6959% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,435 |
| Loan loss allowance to noncurrent loans | 41,125.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,479 |
| Noncurrent loans to loans | 0.0035% | 4,806 |
| Net loans and leases to total assets | 55.2351% | 4,189 |
| Net loans and leases to deposits | 64.3321% | 4,236 |
| Net loans and leases to core deposits | 77.8211% | 3,597 |
| Total domestic deposits to total assets | 85.8594% | 2,299 |
| Equity capital to assets | 13.3261% | 1,210 |
| Core capital (leverage) ratio | 14.2053% | 869 |
| Tier 1 risk-based capital ratio | 22.7078% | 943 |
| Total risk-based capital ratio | 23.9585% | 915 |
| Memoranda: | ||
| Average total assets | $202,282,000 | 2,842 |
| Average earning assets | $188,468,800 | 2,843 |
| Average equity | $25,967,200 | 2,568 |
| Average total loans | $110,416,200 | 3,123 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0505% | 841 |
| Cost of funding earning assets | 0.6263% | 2,294 |
| Net interest margin | 4.4241% | 859 |
| Noninterest income to average assets | 0.5093% | 2,811 |
| Noninterest expense to average assets | 2.7277% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5757% | 1,007 |
| Return on assets (ROA) | 1.6162% | 937 |
| Pretax return on assets | 1.9443% | 740 |
| Return on Equity (ROE) | 12.7109% | 1,534 |
| Retained earnings to average equity (ytd only) | 5.4564% | 2,985 |
| Net charge-offs to loans | 0.0535% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 65.3809% | 996 |
| Efficiency ratio | 58.9996% | 3,965 |
| Assets per employee ($millions) | 4.7136% | 2,830 |
| Cash dividends to net income (ytd only)* | 57.0731% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,410 |
| Loan loss allowance to noncurrent loans | 1,470.7965% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 4,578 |
| Noncurrent loans to loans | 0.1007% | 4,434 |
| Net loans and leases to total assets | 54.5660% | 4,320 |
| Net loans and leases to deposits | 63.0252% | 4,390 |
| Net loans and leases to core deposits | 76.0314% | 3,802 |
| Total domestic deposits to total assets | 86.5781% | 1,926 |
| Equity capital to assets | 12.5196% | 1,572 |
| Core capital (leverage) ratio | 13.7488% | 1,011 |
| Tier 1 risk-based capital ratio | 22.1849% | 1,028 |
| Total risk-based capital ratio | 23.4360% | 1,006 |
| Memoranda: | ||
| Average total assets | $202,361,500 | 2,859 |
| Average earning assets | $188,176,000 | 2,867 |
| Average equity | $25,730,500 | 2,598 |
| Average total loans | $109,720,250 | 3,163 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 779 |
| Cost of funding earning assets | 0.5968% | 2,247 |
| Net interest margin | 4.4279% | 800 |
| Noninterest income to average assets | 0.5172% | 2,765 |
| Noninterest expense to average assets | 2.7095% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5765% | 973 |
| Return on assets (ROA) | 1.6366% | 837 |
| Pretax return on assets | 2.0044% | 600 |
| Return on Equity (ROE) | 12.8051% | 1,443 |
| Retained earnings to average equity (ytd only) | 2.5533% | 4,241 |
| Net charge-offs to loans | 0.0625% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 57.4412% | 1,025 |
| Efficiency ratio | 58.3848% | 4,172 |
| Assets per employee ($millions) | 4.6075% | 2,953 |
| Cash dividends to net income (ytd only)* | 80.0604% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,334 |
| Loan loss allowance to noncurrent loans | 608.0000% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,318 |
| Noncurrent loans to loans | 0.2499% | 3,802 |
| Net loans and leases to total assets | 53.4465% | 4,379 |
| Net loans and leases to deposits | 62.3223% | 4,403 |
| Net loans and leases to core deposits | 74.3602% | 3,856 |
| Total domestic deposits to total assets | 85.7583% | 2,389 |
| Equity capital to assets | 12.5261% | 1,521 |
| Core capital (leverage) ratio | 13.4308% | 1,086 |
| Tier 1 risk-based capital ratio | 20.9739% | 1,178 |
| Total risk-based capital ratio | 22.2247% | 1,153 |
| Memoranda: | ||
| Average total assets | $202,254,330 | 2,879 |
| Average earning assets | $188,350,670 | 2,875 |
| Average equity | $25,849,000 | 2,606 |
| Average total loans | $108,874,330 | 3,191 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 704 |
| Cost of funding earning assets | 0.5584% | 2,331 |
| Net interest margin | 4.4417% | 698 |
| Noninterest income to average assets | 0.5128% | 2,732 |
| Noninterest expense to average assets | 2.7285% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5840% | 888 |
| Return on assets (ROA) | 1.5840% | 894 |
| Pretax return on assets | 1.9266% | 679 |
| Return on Equity (ROE) | 12.2716% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.2716% | 635 |
| Net charge-offs to loans | 0.0517% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 778 |
| Efficiency ratio | 58.6134% | 4,273 |
| Assets per employee ($millions) | 4.5103% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 1,287 |
| Loan loss allowance to noncurrent loans | 8,460.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 5,081 |
| Noncurrent loans to loans | 0.0183% | 4,909 |
| Net loans and leases to total assets | 52.9382% | 4,375 |
| Net loans and leases to deposits | 61.9710% | 4,342 |
| Net loans and leases to core deposits | 75.4356% | 3,715 |
| Total domestic deposits to total assets | 85.4241% | 2,785 |
| Equity capital to assets | 12.7795% | 1,347 |
| Core capital (leverage) ratio | 13.6872% | 952 |
| Tier 1 risk-based capital ratio | 21.1579% | 1,180 |
| Total risk-based capital ratio | 22.4082% | 1,150 |
| Memoranda: | ||
| Average total assets | $202,017,500 | 2,918 |
| Average earning assets | $188,396,500 | 2,899 |
| Average equity | $26,076,500 | 2,607 |
| Average total loans | $108,300,000 | 3,223 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 604 |
| Cost of funding earning assets | 0.4748% | 2,552 |
| Net interest margin | 4.5624% | 537 |
| Noninterest income to average assets | 0.4992% | 3,006 |
| Noninterest expense to average assets | 2.6937% | 3,146 |
| Loan and lease loss provision to assets | 0.0148% | 3,996 |
| Net operating income to assets | 1.4012% | 1,016 |
| Return on assets (ROA) | 1.5124% | 792 |
| Pretax return on assets | 2.2148% | 312 |
| Return on Equity (ROE) | 12.0539% | 1,201 |
| Retained earnings to average equity (ytd only) | 6.6060% | 1,227 |
| Net charge-offs to loans | 0.0634% | 2,570 |
| Credit loss provision to net charge-offs | 44.1176% | 3,399 |
| Earnings coverage of net charge-offs (x) | 61.4706% | 940 |
| Efficiency ratio | 56.5940% | 4,702 |
| Assets per employee ($millions) | 4.3711% | 3,374 |
| Cash dividends to net income (ytd only)* | 45.1961% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 1,164 |
| Loan loss allowance to noncurrent loans | 2,665.6250% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 4,849 |
| Noncurrent loans to loans | 0.0596% | 4,729 |
| Net loans and leases to total assets | 52.5966% | 4,477 |
| Net loans and leases to deposits | 61.7456% | 4,476 |
| Net loans and leases to core deposits | 74.6991% | 3,830 |
| Total domestic deposits to total assets | 85.1828% | 2,765 |
| Equity capital to assets | 13.0377% | 1,246 |
| Core capital (leverage) ratio | 13.1634% | 1,086 |
| Tier 1 risk-based capital ratio | 20.7210% | 1,191 |
| Total risk-based capital ratio | 21.9721% | 1,166 |
| Memoranda: | ||
| Average total assets | $202,324,800 | 2,905 |
| Average earning assets | $188,936,200 | 2,878 |
| Average equity | $25,386,000 | 2,652 |
| Average total loans | $107,235,200 | 3,225 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 555 |
| Cost of funding earning assets | 0.4643% | 2,576 |
| Net interest margin | 4.5836% | 503 |
| Noninterest income to average assets | 0.5033% | 3,012 |
| Noninterest expense to average assets | 2.6832% | 3,116 |
| Loan and lease loss provision to assets | 0.0197% | 3,746 |
| Net operating income to assets | 1.5378% | 822 |
| Return on assets (ROA) | 1.6693% | 635 |
| Pretax return on assets | 2.2588% | 315 |
| Return on Equity (ROE) | 13.4343% | 951 |
| Retained earnings to average equity (ytd only) | 6.2856% | 2,067 |
| Net charge-offs to loans | 0.0858% | 1,941 |
| Credit loss provision to net charge-offs | 43.4783% | 2,982 |
| Earnings coverage of net charge-offs (x) | 46.2742% | 1,176 |
| Efficiency ratio | 56.0858% | 4,726 |
| Assets per employee ($millions) | 4.4537% | 3,235 |
| Cash dividends to net income (ytd only)* | 53.2126% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,250 |
| Loan loss allowance to noncurrent loans | 8,525.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,220 |
| Noncurrent loans to loans | 0.0187% | 5,053 |
| Net loans and leases to total assets | 51.2891% | 4,628 |
| Net loans and leases to deposits | 60.2025% | 4,628 |
| Net loans and leases to core deposits | 72.5481% | 4,100 |
| Total domestic deposits to total assets | 85.1944% | 2,637 |
| Equity capital to assets | 12.7760% | 1,503 |
| Core capital (leverage) ratio | 12.7991% | 1,292 |
| Tier 1 risk-based capital ratio | 20.3152% | 1,305 |
| Total risk-based capital ratio | 21.5663% | 1,279 |
| Memoranda: | ||
| Average total assets | $202,638,500 | 2,927 |
| Average earning assets | $189,249,250 | 2,902 |
| Average equity | $25,178,750 | 2,690 |
| Average total loans | $107,178,500 | 3,252 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0533% | 518 |
| Cost of funding earning assets | 0.4577% | 2,527 |
| Net interest margin | 4.5955% | 480 |
| Noninterest income to average assets | 0.4923% | 3,068 |
| Noninterest expense to average assets | 2.6608% | 3,234 |
| Loan and lease loss provision to assets | 0.0297% | 3,403 |
| Net operating income to assets | 1.5480% | 792 |
| Return on assets (ROA) | 1.5780% | 762 |
| Pretax return on assets | 2.1288% | 421 |
| Return on Equity (ROE) | 12.8225% | 1,084 |
| Retained earnings to average equity (ytd only) | 2.3584% | 4,267 |
| Net charge-offs to loans | 0.0652% | 1,999 |
| Credit loss provision to net charge-offs | 85.7143% | 2,196 |
| Earnings coverage of net charge-offs (x) | 61.0857% | 939 |
| Efficiency ratio | 55.6799% | 4,864 |
| Assets per employee ($millions) | 4.4850% | 3,131 |
| Cash dividends to net income (ytd only)* | 81.6070% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 1,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.2987% | 4,541 |
| Net loans and leases to deposits | 61.5501% | 4,529 |
| Net loans and leases to core deposits | 73.9478% | 3,942 |
| Total domestic deposits to total assets | 84.9693% | 2,830 |
| Equity capital to assets | 12.3639% | 1,694 |
| Core capital (leverage) ratio | 12.5513% | 1,347 |
| Tier 1 risk-based capital ratio | 19.5647% | 1,461 |
| Total risk-based capital ratio | 20.8158% | 1,417 |
| Memoranda: | ||
| Average total assets | $201,895,330 | 2,950 |
| Average earning assets | $188,314,000 | 2,931 |
| Average equity | $24,847,000 | 2,718 |
| Average total loans | $107,311,330 | 3,258 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 515 |
| Cost of funding earning assets | 0.4556% | 2,474 |
| Net interest margin | 4.5600% | 466 |
| Noninterest income to average assets | 0.4868% | 3,063 |
| Noninterest expense to average assets | 2.6361% | 3,356 |
| Loan and lease loss provision to assets | 0.0601% | 2,598 |
| Net operating income to assets | 1.5224% | 775 |
| Return on assets (ROA) | 1.5404% | 780 |
| Pretax return on assets | 2.0652% | 448 |
| Return on Equity (ROE) | 12.5467% | 1,102 |
| Retained earnings to average equity (ytd only) | 12.5467% | 418 |
| Net charge-offs to loans | 0.0528% | 1,816 |
| Credit loss provision to net charge-offs | 214.2857% | 967 |
| Earnings coverage of net charge-offs (x) | 74.9286% | 687 |
| Efficiency ratio | 55.6448% | 4,975 |
| Assets per employee ($millions) | 4.3965% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,234 |
| Loan loss allowance to noncurrent loans | 5,677.4194% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 5,289 |
| Noncurrent loans to loans | 0.0292% | 5,100 |
| Net loans and leases to total assets | 51.6352% | 4,546 |
| Net loans and leases to deposits | 60.9455% | 4,502 |
| Net loans and leases to core deposits | 73.1200% | 3,907 |
| Total domestic deposits to total assets | 84.7236% | 3,202 |
| Equity capital to assets | 12.4145% | 1,588 |
| Core capital (leverage) ratio | 12.8579% | 1,200 |
| Tier 1 risk-based capital ratio | 20.0912% | 1,372 |
| Total risk-based capital ratio | 21.3430% | 1,342 |
| Memoranda: | ||
| Average total assets | $199,687,500 | 2,999 |
| Average earning assets | $186,140,000 | 2,985 |
| Average equity | $24,516,500 | 2,748 |
| Average total loans | $106,148,500 | 3,297 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 479 |
| Cost of funding earning assets | 0.4485% | 2,550 |
| Net interest margin | 4.6750% | 439 |
| Noninterest income to average assets | 0.4749% | 3,380 |
| Noninterest expense to average assets | 2.6474% | 3,534 |
| Loan and lease loss provision to assets | 0.0455% | 3,474 |
| Net operating income to assets | 1.6013% | 680 |
| Return on assets (ROA) | 1.6536% | 634 |
| Pretax return on assets | 2.2175% | 315 |
| Return on Equity (ROE) | 13.4484% | 893 |
| Retained earnings to average equity (ytd only) | 8.2342% | 776 |
| Net charge-offs to loans | 0.1076% | 2,194 |
| Credit loss provision to net charge-offs | 76.9231% | 3,023 |
| Earnings coverage of net charge-offs (x) | 37.1026% | 1,243 |
| Efficiency ratio | 54.6916% | 5,184 |
| Assets per employee ($millions) | 4.2855% | 3,461 |
| Cash dividends to net income (ytd only)* | 38.7718% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 1,270 |
| Loan loss allowance to noncurrent loans | 10,258.8235% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,375 |
| Noncurrent loans to loans | 0.0160% | 5,214 |
| Net loans and leases to total assets | 52.9414% | 4,535 |
| Net loans and leases to deposits | 62.5977% | 4,499 |
| Net loans and leases to core deposits | 76.2915% | 3,725 |
| Total domestic deposits to total assets | 84.5740% | 3,216 |
| Equity capital to assets | 12.1369% | 1,713 |
| Core capital (leverage) ratio | 12.4891% | 1,338 |
| Tier 1 risk-based capital ratio | 19.9462% | 1,385 |
| Total risk-based capital ratio | 21.1976% | 1,350 |
| Memoranda: | ||
| Average total assets | $197,927,800 | 2,977 |
| Average earning assets | $184,832,400 | 2,957 |
| Average equity | $24,337,400 | 2,773 |
| Average total loans | $108,772,600 | 3,226 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 474 |
| Cost of funding earning assets | 0.4476% | 2,575 |
| Net interest margin | 4.6771% | 448 |
| Noninterest income to average assets | 0.4717% | 3,419 |
| Noninterest expense to average assets | 2.6662% | 3,442 |
| Loan and lease loss provision to assets | 0.0606% | 3,039 |
| Net operating income to assets | 1.5386% | 815 |
| Return on assets (ROA) | 1.6030% | 763 |
| Pretax return on assets | 2.2073% | 382 |
| Return on Equity (ROE) | 12.9946% | 1,058 |
| Retained earnings to average equity (ytd only) | 6.0718% | 2,143 |
| Net charge-offs to loans | 0.1425% | 1,561 |
| Credit loss provision to net charge-offs | 76.9231% | 2,705 |
| Earnings coverage of net charge-offs (x) | 27.6831% | 1,559 |
| Efficiency ratio | 55.0201% | 5,156 |
| Assets per employee ($millions) | 4.2849% | 3,442 |
| Cash dividends to net income (ytd only)* | 53.2746% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,522 |
| Loan loss allowance to noncurrent loans | 889.7959% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 5,049 |
| Noncurrent loans to loans | 0.1782% | 4,639 |
| Net loans and leases to total assets | 53.7579% | 4,514 |
| Net loans and leases to deposits | 63.9875% | 4,491 |
| Net loans and leases to core deposits | 77.7372% | 3,687 |
| Total domestic deposits to total assets | 84.0131% | 3,209 |
| Equity capital to assets | 12.4703% | 1,798 |
| Core capital (leverage) ratio | 11.9847% | 1,688 |
| Tier 1 risk-based capital ratio | 19.2173% | 1,624 |
| Total risk-based capital ratio | 20.4691% | 1,581 |
| Memoranda: | ||
| Average total assets | $198,126,000 | 2,988 |
| Average earning assets | $185,293,750 | 2,963 |
| Average equity | $24,440,250 | 2,785 |
| Average total loans | $109,438,250 | 3,230 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 482 |
| Cost of funding earning assets | 0.4470% | 2,595 |
| Net interest margin | 4.6688% | 443 |
| Noninterest income to average assets | 0.4679% | 3,418 |
| Noninterest expense to average assets | 2.6391% | 3,578 |
| Loan and lease loss provision to assets | 0.0609% | 2,920 |
| Net operating income to assets | 1.5463% | 812 |
| Return on assets (ROA) | 1.6230% | 730 |
| Pretax return on assets | 2.2422% | 339 |
| Return on Equity (ROE) | 13.2063% | 978 |
| Retained earnings to average equity (ytd only) | 4.4104% | 3,107 |
| Net charge-offs to loans | 0.2069% | 1,122 |
| Credit loss provision to net charge-offs | 53.0973% | 2,638 |
| Earnings coverage of net charge-offs (x) | 19.1504% | 1,791 |
| Efficiency ratio | 54.5760% | 5,263 |
| Assets per employee ($millions) | 4.7492% | 2,632 |
| Cash dividends to net income (ytd only)* | 66.6041% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 1,537 |
| Loan loss allowance to noncurrent loans | 7,158.3333% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 5,569 |
| Noncurrent loans to loans | 0.0223% | 5,383 |
| Net loans and leases to total assets | 53.1010% | 4,575 |
| Net loans and leases to deposits | 63.3132% | 4,539 |
| Net loans and leases to core deposits | 77.4203% | 3,698 |
| Total domestic deposits to total assets | 83.8704% | 3,322 |
| Equity capital to assets | 12.3591% | 1,863 |
| Core capital (leverage) ratio | 11.9273% | 1,687 |
| Tier 1 risk-based capital ratio | 19.2827% | 1,632 |
| Total risk-based capital ratio | 20.5344% | 1,592 |
| Memoranda: | ||
| Average total assets | $197,038,000 | 3,013 |
| Average earning assets | $184,331,670 | 2,995 |
| Average equity | $24,215,670 | 2,812 |
| Average total loans | $109,248,670 | 3,244 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 486 |
| Cost of funding earning assets | 0.4535% | 2,547 |
| Net interest margin | 4.6568% | 456 |
| Noninterest income to average assets | 0.4555% | 3,446 |
| Noninterest expense to average assets | 2.5676% | 3,854 |
| Loan and lease loss provision to assets | 0.0613% | 2,714 |
| Net operating income to assets | 1.5670% | 754 |
| Return on assets (ROA) | 1.7097% | 605 |
| Pretax return on assets | 2.3879% | 287 |
| Return on Equity (ROE) | 13.9515% | 840 |
| Retained earnings to average equity (ytd only) | 13.9515% | 320 |
| Net charge-offs to loans | 0.1054% | 1,496 |
| Credit loss provision to net charge-offs | 103.4483% | 1,578 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,044 |
| Efficiency ratio | 53.2853% | 5,440 |
| Assets per employee ($millions) | 4.4756% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,602 |
| Loan loss allowance to noncurrent loans | 877.2277% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 4,671 |
| Noncurrent loans to loans | 0.1827% | 4,756 |
| Net loans and leases to total assets | 55.2509% | 4,331 |
| Net loans and leases to deposits | 66.0206% | 4,252 |
| Net loans and leases to core deposits | 80.8916% | 3,244 |
| Total domestic deposits to total assets | 83.6874% | 3,642 |
| Equity capital to assets | 12.4102% | 1,740 |
| Core capital (leverage) ratio | 12.2212% | 1,487 |
| Tier 1 risk-based capital ratio | 19.3931% | 1,634 |
| Total risk-based capital ratio | 20.6457% | 1,602 |
| Memoranda: | ||
| Average total assets | $195,824,500 | 3,032 |
| Average earning assets | $183,472,500 | 3,011 |
| Average equity | $23,997,500 | 2,835 |
| Average total loans | $110,055,000 | 3,239 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 495 |
| Cost of funding earning assets | 0.4563% | 2,565 |
| Net interest margin | 4.6684% | 481 |
| Noninterest income to average assets | 0.4476% | 3,692 |
| Noninterest expense to average assets | 2.5333% | 4,122 |
| Loan and lease loss provision to assets | 0.0575% | 3,164 |
| Net operating income to assets | 1.6355% | 651 |
| Return on assets (ROA) | 1.7571% | 538 |
| Pretax return on assets | 2.4006% | 246 |
| Return on Equity (ROE) | 15.0661% | 676 |
| Retained earnings to average equity (ytd only) | 9.2797% | 591 |
| Net charge-offs to loans | 0.0404% | 3,415 |
| Credit loss provision to net charge-offs | 255.8140% | 1,124 |
| Earnings coverage of net charge-offs (x) | 102.0233% | 564 |
| Efficiency ratio | 52.5062% | 5,609 |
| Assets per employee ($millions) | 4.6362% | 2,837 |
| Cash dividends to net income (ytd only)* | 38.4067% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 1,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 5,524 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.3420% | 4,353 |
| Net loans and leases to deposits | 66.1618% | 4,304 |
| Net loans and leases to core deposits | 80.8006% | 3,263 |
| Total domestic deposits to total assets | 83.6464% | 3,616 |
| Equity capital to assets | 12.0972% | 1,882 |
| Core capital (leverage) ratio | 11.8150% | 1,748 |
| Tier 1 risk-based capital ratio | 18.8281% | 1,741 |
| Total risk-based capital ratio | 20.0802% | 1,704 |
| Memoranda: | ||
| Average total assets | $191,450,600 | 3,030 |
| Average earning assets | $179,505,800 | 3,005 |
| Average equity | $22,328,200 | 2,934 |
| Average total loans | $106,525,000 | 3,270 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 506 |
| Cost of funding earning assets | 0.4542% | 2,644 |
| Net interest margin | 4.6559% | 491 |
| Noninterest income to average assets | 0.4553% | 3,676 |
| Noninterest expense to average assets | 2.5158% | 4,144 |
| Loan and lease loss provision to assets | 0.0560% | 3,075 |
| Net operating income to assets | 1.6186% | 741 |
| Return on assets (ROA) | 1.7772% | 566 |
| Pretax return on assets | 2.4626% | 252 |
| Return on Equity (ROE) | 15.3848% | 679 |
| Retained earnings to average equity (ytd only) | 8.1979% | 1,168 |
| Net charge-offs to loans | 0.0466% | 2,960 |
| Credit loss provision to net charge-offs | 216.2162% | 1,257 |
| Earnings coverage of net charge-offs (x) | 88.8145% | 695 |
| Efficiency ratio | 52.2592% | 5,636 |
| Assets per employee ($millions) | 4.6197% | 2,810 |
| Cash dividends to net income (ytd only)* | 46.7139% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,789 |
| Loan loss allowance to noncurrent loans | 17,470.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 5,603 |
| Noncurrent loans to loans | 0.0092% | 5,607 |
| Net loans and leases to total assets | 55.3018% | 4,425 |
| Net loans and leases to deposits | 65.8183% | 4,398 |
| Net loans and leases to core deposits | 80.3620% | 3,398 |
| Total domestic deposits to total assets | 84.0219% | 3,415 |
| Equity capital to assets | 11.6463% | 2,380 |
| Core capital (leverage) ratio | 11.5247% | 2,015 |
| Tier 1 risk-based capital ratio | 21.4041% | 1,276 |
| Total risk-based capital ratio | 22.6596% | 1,257 |
| Memoranda: | ||
| Average total assets | $190,632,750 | 3,069 |
| Average earning assets | $178,465,750 | 3,043 |
| Average equity | $22,021,250 | 2,989 |
| Average total loans | $105,772,750 | 3,306 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 498 |
| Cost of funding earning assets | 0.4523% | 2,700 |
| Net interest margin | 4.6494% | 480 |
| Noninterest income to average assets | 0.4665% | 3,586 |
| Noninterest expense to average assets | 2.5076% | 4,219 |
| Loan and lease loss provision to assets | 0.0528% | 3,066 |
| Net operating income to assets | 1.6181% | 720 |
| Return on assets (ROA) | 1.8301% | 510 |
| Pretax return on assets | 2.5509% | 236 |
| Return on Equity (ROE) | 15.8869% | 619 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,501 |
| Net charge-offs to loans | 0.0630% | 2,477 |
| Credit loss provision to net charge-offs | 151.5152% | 1,521 |
| Earnings coverage of net charge-offs (x) | 66.3030% | 793 |
| Efficiency ratio | 52.0596% | 5,706 |
| Assets per employee ($millions) | 4.5577% | 2,889 |
| Cash dividends to net income (ytd only)* | 64.9942% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 5,445 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 54.2529% | 4,528 |
| Net loans and leases to deposits | 64.2651% | 4,508 |
| Net loans and leases to core deposits | 78.2155% | 3,554 |
| Total domestic deposits to total assets | 84.4204% | 3,391 |
| Equity capital to assets | 11.2306% | 2,641 |
| Core capital (leverage) ratio | 10.9870% | 2,433 |
| Tier 1 risk-based capital ratio | 34.4210% | 381 |
| Total risk-based capital ratio | 35.6999% | 376 |
| Memoranda: | ||
| Average total assets | $189,501,000 | 3,110 |
| Average earning assets | $177,312,670 | 3,074 |
| Average equity | $21,829,330 | 3,015 |
| Average total loans | $104,681,000 | 3,349 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 475 |
| Cost of funding earning assets | 0.4463% | 2,809 |
| Net interest margin | 4.6646% | 443 |
| Noninterest income to average assets | 0.4901% | 3,348 |
| Noninterest expense to average assets | 2.5056% | 4,245 |
| Loan and lease loss provision to assets | 0.0424% | 3,062 |
| Net operating income to assets | 1.6866% | 609 |
| Return on assets (ROA) | 1.6866% | 637 |
| Pretax return on assets | 2.3104% | 320 |
| Return on Equity (ROE) | 14.4578% | 797 |
| Retained earnings to average equity (ytd only) | 13.4576% | 400 |
| Net charge-offs to loans | 0.1343% | 1,441 |
| Credit loss provision to net charge-offs | 57.1429% | 2,034 |
| Earnings coverage of net charge-offs (x) | 31.6857% | 1,119 |
| Efficiency ratio | 51.5721% | 5,836 |
| Assets per employee ($millions) | 4.5302% | 3,001 |
| Cash dividends to net income (ytd only)* | 6.9182% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,999 |
| Loan loss allowance to noncurrent loans | 5,448.3871% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,285 |
| Noncurrent loans to loans | 0.0296% | 5,682 |
| Net loans and leases to total assets | 54.0913% | 4,436 |
| Net loans and leases to deposits | 64.3183% | 4,342 |
| Net loans and leases to core deposits | 78.6584% | 3,313 |
| Total domestic deposits to total assets | 84.0994% | 3,785 |
| Equity capital to assets | 11.7686% | 2,225 |
| Core capital (leverage) ratio | 11.4725% | 2,017 |
| Tier 1 risk-based capital ratio | 14.8997% | 3,484 |
| Total risk-based capital ratio | 16.0584% | 3,472 |
| Memoranda: | ||
| Average total assets | $188,539,500 | 3,134 |
| Average earning assets | $176,563,500 | 3,097 |
| Average equity | $21,995,000 | 3,021 |
| Average total loans | $104,234,500 | 3,368 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 520 |
| Cost of funding earning assets | 0.4844% | 2,837 |
| Net interest margin | 4.7187% | 505 |
| Noninterest income to average assets | 0.4787% | 3,656 |
| Noninterest expense to average assets | 2.5599% | 4,362 |
| Loan and lease loss provision to assets | 0.0729% | 3,022 |
| Net operating income to assets | 1.6524% | 635 |
| Return on assets (ROA) | 1.7176% | 579 |
| Pretax return on assets | 2.3011% | 264 |
| Return on Equity (ROE) | 16.2489% | 589 |
| Retained earnings to average equity (ytd only) | 12.4410% | 264 |
| Net charge-offs to loans | 0.0418% | 3,988 |
| Credit loss provision to net charge-offs | 321.4286% | 815 |
| Earnings coverage of net charge-offs (x) | 100.7857% | 521 |
| Efficiency ratio | 52.8146% | 5,927 |
| Assets per employee ($millions) | 4.4479% | 3,125 |
| Cash dividends to net income (ytd only)* | 23.4350% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 1,952 |
| Loan loss allowance to noncurrent loans | 617.3913% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 5,014 |
| Noncurrent loans to loans | 0.2657% | 4,890 |
| Net loans and leases to total assets | 54.6850% | 4,492 |
| Net loans and leases to deposits | 64.8418% | 4,448 |
| Net loans and leases to core deposits | 80.7150% | 3,216 |
| Total domestic deposits to total assets | 84.3360% | 3,578 |
| Equity capital to assets | 11.5615% | 2,377 |
| Core capital (leverage) ratio | 11.2416% | 2,181 |
| Tier 1 risk-based capital ratio | 17.5367% | 2,304 |
| Total risk-based capital ratio | 18.7889% | 2,268 |
| Memoranda: | ||
| Average total assets | $185,083,400 | 3,158 |
| Average earning assets | $171,339,400 | 3,141 |
| Average equity | $19,564,400 | 3,206 |
| Average total loans | $100,598,400 | 3,409 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2098% | 509 |
| Cost of funding earning assets | 0.4910% | 2,850 |
| Net interest margin | 4.7188% | 484 |
| Noninterest income to average assets | 0.4729% | 3,728 |
| Noninterest expense to average assets | 2.5510% | 4,359 |
| Loan and lease loss provision to assets | 0.0975% | 2,416 |
| Net operating income to assets | 1.6026% | 751 |
| Return on assets (ROA) | 1.6875% | 655 |
| Pretax return on assets | 2.2983% | 299 |
| Return on Equity (ROE) | 16.3514% | 635 |
| Retained earnings to average equity (ytd only) | 11.3487% | 472 |
| Net charge-offs to loans | 0.1203% | 2,612 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | 35.0769% | 1,234 |
| Efficiency ratio | 52.8102% | 5,940 |
| Assets per employee ($millions) | 4.4388% | 3,068 |
| Cash dividends to net income (ytd only)* | 30.5948% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 2,184 |
| Loan loss allowance to noncurrent loans | 2,957.1429% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 3,769 |
| Noncurrent loans to loans | 0.0553% | 5,794 |
| Net loans and leases to total assets | 53.4606% | 4,640 |
| Net loans and leases to deposits | 63.1633% | 4,619 |
| Net loans and leases to core deposits | 78.2861% | 3,513 |
| Total domestic deposits to total assets | 84.6387% | 3,486 |
| Equity capital to assets | 10.9387% | 3,016 |
| Core capital (leverage) ratio | 10.8517% | 2,632 |
| Tier 1 risk-based capital ratio | 17.0453% | 2,603 |
| Total risk-based capital ratio | 18.2971% | 2,549 |
| Memoranda: | ||
| Average total assets | $184,651,750 | 3,191 |
| Average earning assets | $170,519,750 | 3,177 |
| Average equity | $19,056,000 | 3,293 |
| Average total loans | $99,782,750 | 3,453 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 500 |
| Cost of funding earning assets | 0.5009% | 2,825 |
| Net interest margin | 4.7077% | 478 |
| Noninterest income to average assets | 0.4607% | 3,783 |
| Noninterest expense to average assets | 2.5470% | 4,427 |
| Loan and lease loss provision to assets | 0.0978% | 2,397 |
| Net operating income to assets | 1.5740% | 748 |
| Return on assets (ROA) | 1.6256% | 697 |
| Pretax return on assets | 2.2265% | 343 |
| Return on Equity (ROE) | 16.0771% | 651 |
| Retained earnings to average equity (ytd only) | 8.7156% | 1,070 |
| Net charge-offs to loans | 0.1249% | 2,422 |
| Credit loss provision to net charge-offs | 145.1613% | 1,491 |
| Earnings coverage of net charge-offs (x) | 33.4516% | 1,182 |
| Efficiency ratio | 53.0557% | 5,993 |
| Assets per employee ($millions) | 4.4197% | 3,054 |
| Cash dividends to net income (ytd only)* | 45.7888% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 2,363 |
| Loan loss allowance to noncurrent loans | 2,686.8852% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 4,249 |
| Noncurrent loans to loans | 0.0606% | 5,849 |
| Net loans and leases to total assets | 53.3562% | 4,610 |
| Net loans and leases to deposits | 62.6405% | 4,626 |
| Net loans and leases to core deposits | 77.6219% | 3,483 |
| Total domestic deposits to total assets | 85.1784% | 3,418 |
| Equity capital to assets | 10.4629% | 3,485 |
| Core capital (leverage) ratio | 10.4554% | 2,999 |
| Tier 1 risk-based capital ratio | 16.5802% | 2,791 |
| Total risk-based capital ratio | 17.8316% | 2,757 |
| Memoranda: | ||
| Average total assets | $184,059,330 | 3,215 |
| Average earning assets | $169,678,000 | 3,207 |
| Average equity | $18,610,330 | 3,346 |
| Average total loans | $99,269,670 | 3,469 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 495 |
| Cost of funding earning assets | 0.4852% | 3,059 |
| Net interest margin | 4.7055% | 462 |
| Noninterest income to average assets | 0.4321% | 3,934 |
| Noninterest expense to average assets | 2.5273% | 4,531 |
| Loan and lease loss provision to assets | 0.0982% | 2,282 |
| Net operating income to assets | 1.5756% | 692 |
| Return on assets (ROA) | 1.6107% | 682 |
| Pretax return on assets | 2.1934% | 353 |
| Return on Equity (ROE) | 16.2158% | 622 |
| Retained earnings to average equity (ytd only) | 15.5566% | 296 |
| Net charge-offs to loans | 0.1258% | 1,963 |
| Credit loss provision to net charge-offs | 145.1613% | 1,286 |
| Earnings coverage of net charge-offs (x) | 33.1613% | 990 |
| Efficiency ratio | 52.9735% | 6,084 |
| Assets per employee ($millions) | 4.3960% | 3,157 |
| Cash dividends to net income (ytd only)* | 4.0650% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 2,582 |
| Loan loss allowance to noncurrent loans | 417.7378% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 3,362 |
| Noncurrent loans to loans | 0.3901% | 4,961 |
| Net loans and leases to total assets | 53.1268% | 4,534 |
| Net loans and leases to deposits | 62.1316% | 4,527 |
| Net loans and leases to core deposits | 75.9785% | 3,413 |
| Total domestic deposits to total assets | 85.5068% | 3,607 |
| Equity capital to assets | 10.1997% | 3,601 |
| Core capital (leverage) ratio | 10.4709% | 2,967 |
| Tier 1 risk-based capital ratio | 16.4830% | 2,904 |
| Total risk-based capital ratio | 17.7347% | 2,877 |
| Memoranda: | ||
| Average total assets | $183,275,000 | 3,245 |
| Average earning assets | $168,993,000 | 3,229 |
| Average equity | $18,204,500 | 3,399 |
| Average total loans | $98,563,000 | 3,500 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 691 |
| Cost of funding earning assets | 0.6602% | 2,121 |
| Net interest margin | 4.5023% | 734 |
| Noninterest income to average assets | 0.5578% | 3,350 |
| Noninterest expense to average assets | 2.6811% | 4,159 |
| Loan and lease loss provision to assets | 0.1536% | 2,355 |
| Net operating income to assets | 1.4417% | 933 |
| Return on assets (ROA) | 1.4426% | 975 |
| Pretax return on assets | 1.8649% | 657 |
| Return on Equity (ROE) | 15.0625% | 749 |
| Retained earnings to average equity (ytd only) | 5.9849% | 1,980 |
| Net charge-offs to loans | 0.2028% | 2,850 |
| Credit loss provision to net charge-offs | 142.8571% | 1,629 |
| Earnings coverage of net charge-offs (x) | 18.7653% | 1,638 |
| Efficiency ratio | 57.0628% | 5,846 |
| Assets per employee ($millions) | 4.4370% | 3,014 |
| Cash dividends to net income (ytd only)* | 60.2662% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 2,552 |
| Loan loss allowance to noncurrent loans | 3,427.6596% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 3,636 |
| Noncurrent loans to loans | 0.0482% | 6,085 |
| Net loans and leases to total assets | 52.6616% | 4,767 |
| Net loans and leases to deposits | 61.2123% | 4,807 |
| Net loans and leases to core deposits | 75.0192% | 3,731 |
| Total domestic deposits to total assets | 86.0311% | 3,245 |
| Equity capital to assets | 9.6620% | 4,204 |
| Core capital (leverage) ratio | 10.1576% | 3,350 |
| Tier 1 risk-based capital ratio | 15.8796% | 3,159 |
| Total risk-based capital ratio | 17.1315% | 3,114 |
| Memoranda: | ||
| Average total assets | $182,314,000 | 3,248 |
| Average earning assets | $167,669,600 | 3,247 |
| Average equity | $17,460,600 | 3,500 |
| Average total loans | $96,647,200 | 3,540 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 758 |
| Cost of funding earning assets | 0.6773% | 2,117 |
| Net interest margin | 4.4350% | 831 |
| Noninterest income to average assets | 0.5899% | 3,220 |
| Noninterest expense to average assets | 2.6671% | 4,139 |
| Loan and lease loss provision to assets | 0.1498% | 2,393 |
| Net operating income to assets | 1.4176% | 1,060 |
| Return on assets (ROA) | 1.4187% | 1,112 |
| Pretax return on assets | 1.8522% | 795 |
| Return on Equity (ROE) | 14.8463% | 828 |
| Retained earnings to average equity (ytd only) | 2.9524% | 4,558 |
| Net charge-offs to loans | 0.1894% | 2,705 |
| Credit loss provision to net charge-offs | 149.6350% | 1,578 |
| Earnings coverage of net charge-offs (x) | 19.9783% | 1,608 |
| Efficiency ratio | 57.1406% | 5,783 |
| Assets per employee ($millions) | 4.3672% | 3,104 |
| Cash dividends to net income (ytd only)* | 80.1131% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 2,826 |
| Loan loss allowance to noncurrent loans | 79,750.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 4,269 |
| Noncurrent loans to loans | 0.0021% | 6,396 |
| Net loans and leases to total assets | 52.0486% | 4,867 |
| Net loans and leases to deposits | 60.2508% | 4,944 |
| Net loans and leases to core deposits | 72.7980% | 3,994 |
| Total domestic deposits to total assets | 86.3865% | 3,037 |
| Equity capital to assets | 9.2737% | 4,834 |
| Core capital (leverage) ratio | 9.8032% | 3,954 |
| Tier 1 risk-based capital ratio | 15.3094% | 3,562 |
| Total risk-based capital ratio | 16.5582% | 3,517 |
| Memoranda: | ||
| Average total assets | $182,413,000 | 3,276 |
| Average earning assets | $167,723,000 | 3,275 |
| Average equity | $17,431,500 | 3,541 |
| Average total loans | $96,456,000 | 3,563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0619% | 828 |
| Cost of funding earning assets | 0.6864% | 2,168 |
| Net interest margin | 4.3755% | 891 |
| Noninterest income to average assets | 0.6305% | 3,014 |
| Noninterest expense to average assets | 2.6615% | 4,177 |
| Loan and lease loss provision to assets | 0.1648% | 2,266 |
| Net operating income to assets | 1.4126% | 1,053 |
| Return on assets (ROA) | 1.4126% | 1,138 |
| Pretax return on assets | 1.8234% | 886 |
| Return on Equity (ROE) | 14.6369% | 882 |
| Retained earnings to average equity (ytd only) | -3.0617% | 6,317 |
| Net charge-offs to loans | 0.0706% | 3,702 |
| Credit loss provision to net charge-offs | 441.1765% | 615 |
| Earnings coverage of net charge-offs (x) | 53.2353% | 767 |
| Efficiency ratio | 57.2407% | 5,831 |
| Assets per employee ($millions) | 4.3720% | 3,049 |
| Cash dividends to net income (ytd only)* | 120.9176% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 2,752 |
| Loan loss allowance to noncurrent loans | 2,933.9286% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 4,396 |
| Noncurrent loans to loans | 0.0582% | 6,215 |
| Net loans and leases to total assets | 51.4870% | 4,931 |
| Net loans and leases to deposits | 59.4408% | 5,026 |
| Net loans and leases to core deposits | 70.5476% | 4,212 |
| Total domestic deposits to total assets | 86.6189% | 3,044 |
| Equity capital to assets | 9.0908% | 5,116 |
| Core capital (leverage) ratio | 9.3756% | 4,421 |
| Tier 1 risk-based capital ratio | 14.7499% | 3,943 |
| Total risk-based capital ratio | 16.0015% | 3,908 |
| Memoranda: | ||
| Average total assets | $182,077,000 | 3,290 |
| Average earning assets | $167,249,330 | 3,300 |
| Average equity | $17,572,000 | 3,541 |
| Average total loans | $96,253,670 | 3,581 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 861 |
| Cost of funding earning assets | 0.6998% | 2,210 |
| Net interest margin | 4.3189% | 935 |
| Noninterest income to average assets | 0.7413% | 2,368 |
| Noninterest expense to average assets | 2.6806% | 4,150 |
| Loan and lease loss provision to assets | 0.1655% | 2,212 |
| Net operating income to assets | 1.3988% | 1,026 |
| Return on assets (ROA) | 1.3988% | 1,115 |
| Pretax return on assets | 1.8577% | 792 |
| Return on Equity (ROE) | 14.0799% | 948 |
| Retained earnings to average equity (ytd only) | -8.1281% | 6,532 |
| Net charge-offs to loans | 0.1537% | 2,479 |
| Credit loss provision to net charge-offs | 202.7027% | 1,074 |
| Earnings coverage of net charge-offs (x) | 24.7838% | 1,072 |
| Efficiency ratio | 56.9887% | 5,968 |
| Assets per employee ($millions) | 4.3496% | 3,245 |
| Cash dividends to net income (ytd only)* | 157.7287% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 3,217 |
| Loan loss allowance to noncurrent loans | 4,471.4286% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 4,423 |
| Noncurrent loans to loans | 0.0368% | 6,378 |
| Net loans and leases to total assets | 51.2196% | 4,809 |
| Net loans and leases to deposits | 59.6726% | 4,839 |
| Net loans and leases to core deposits | 69.9414% | 4,094 |
| Total domestic deposits to total assets | 85.8344% | 3,619 |
| Equity capital to assets | 9.7125% | 4,545 |
| Core capital (leverage) ratio | 9.4664% | 4,140 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,920 |
| Total risk-based capital ratio | 16.1362% | 3,879 |
| Memoranda: | ||
| Average total assets | $181,303,000 | 3,330 |
| Average earning assets | $166,339,000 | 3,339 |
| Average equity | $18,011,500 | 3,522 |
| Average total loans | $96,287,500 | 3,607 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 869 |
| Cost of funding earning assets | 0.9148% | 1,850 |
| Net interest margin | 4.4172% | 1,127 |
| Noninterest income to average assets | 0.6136% | 3,210 |
| Noninterest expense to average assets | 2.8081% | 3,994 |
| Loan and lease loss provision to assets | 0.3660% | 1,796 |
| Net operating income to assets | 1.1204% | 1,870 |
| Return on assets (ROA) | 1.3641% | 1,293 |
| Pretax return on assets | 1.7536% | 1,017 |
| Return on Equity (ROE) | 14.0057% | 991 |
| Retained earnings to average equity (ytd only) | 8.1820% | 1,065 |
| Net charge-offs to loans | 0.2008% | 3,773 |
| Credit loss provision to net charge-offs | 341.1458% | 719 |
| Earnings coverage of net charge-offs (x) | 16.8438% | 1,546 |
| Efficiency ratio | 60.8427% | 5,408 |
| Assets per employee ($millions) | 4.4981% | 2,962 |
| Cash dividends to net income (ytd only)* | 41.5813% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,448 |
| Loan loss allowance to noncurrent loans | 6,362.5000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 4,330 |
| Noncurrent loans to loans | 0.0246% | 6,463 |
| Net loans and leases to total assets | 53.3081% | 4,715 |
| Net loans and leases to deposits | 62.3863% | 4,739 |
| Net loans and leases to core deposits | 72.7834% | 3,940 |
| Total domestic deposits to total assets | 85.4483% | 3,640 |
| Equity capital to assets | 10.1598% | 3,946 |
| Core capital (leverage) ratio | 9.6951% | 3,813 |
| Tier 1 risk-based capital ratio | 15.1383% | 3,647 |
| Total risk-based capital ratio | 16.3891% | 3,595 |
| Memoranda: | ||
| Average total assets | $178,948,800 | 3,328 |
| Average earning assets | $162,117,600 | 3,345 |
| Average equity | $17,428,600 | 3,552 |
| Average total loans | $95,628,600 | 3,628 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3433% | 936 |
| Cost of funding earning assets | 0.9697% | 1,742 |
| Net interest margin | 4.3736% | 1,268 |
| Noninterest income to average assets | 0.6028% | 3,256 |
| Noninterest expense to average assets | 2.7837% | 4,043 |
| Loan and lease loss provision to assets | 0.3768% | 1,714 |
| Net operating income to assets | 1.1290% | 1,989 |
| Return on assets (ROA) | 1.4668% | 1,211 |
| Pretax return on assets | 1.8100% | 1,023 |
| Return on Equity (ROE) | 15.2260% | 861 |
| Retained earnings to average equity (ytd only) | 9.3013% | 1,124 |
| Net charge-offs to loans | 0.2676% | 3,117 |
| Credit loss provision to net charge-offs | 264.3979% | 1,043 |
| Earnings coverage of net charge-offs (x) | 12.4189% | 2,003 |
| Efficiency ratio | 61.1339% | 5,293 |
| Assets per employee ($millions) | 4.5266% | 2,868 |
| Cash dividends to net income (ytd only)* | 38.9113% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,239 |
| Loan loss allowance to noncurrent loans | 1,813.1579% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 4,405 |
| Noncurrent loans to loans | 0.0789% | 6,419 |
| Net loans and leases to total assets | 52.4287% | 4,989 |
| Net loans and leases to deposits | 61.3429% | 5,037 |
| Net loans and leases to core deposits | 71.3534% | 4,331 |
| Total domestic deposits to total assets | 85.4682% | 3,527 |
| Equity capital to assets | 10.0135% | 4,476 |
| Core capital (leverage) ratio | 9.5089% | 4,256 |
| Tier 1 risk-based capital ratio | 15.0110% | 3,844 |
| Total risk-based capital ratio | 16.2084% | 3,831 |
| Memoranda: | ||
| Average total assets | $178,705,000 | 3,372 |
| Average earning assets | $161,419,250 | 3,395 |
| Average equity | $17,215,750 | 3,619 |
| Average total loans | $95,175,500 | 3,674 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3205% | 1,006 |
| Cost of funding earning assets | 1.0075% | 1,726 |
| Net interest margin | 4.3130% | 1,452 |
| Noninterest income to average assets | 0.6003% | 3,260 |
| Noninterest expense to average assets | 2.8092% | 3,983 |
| Loan and lease loss provision to assets | 0.3991% | 1,645 |
| Net operating income to assets | 1.0503% | 2,249 |
| Return on assets (ROA) | 1.1286% | 2,166 |
| Pretax return on assets | 1.3759% | 2,303 |
| Return on Equity (ROE) | 11.8742% | 1,708 |
| Retained earnings to average equity (ytd only) | 5.1920% | 3,159 |
| Net charge-offs to loans | 0.4030% | 2,413 |
| Credit loss provision to net charge-offs | 185.8639% | 1,523 |
| Earnings coverage of net charge-offs (x) | 7.8220% | 2,413 |
| Efficiency ratio | 62.5845% | 5,151 |
| Assets per employee ($millions) | 4.4458% | 3,011 |
| Cash dividends to net income (ytd only)* | 56.2749% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 4,907 |
| Loan loss allowance to noncurrent loans | 990.3226% | 414 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 4,161 |
| Noncurrent loans to loans | 0.1309% | 6,335 |
| Net loans and leases to total assets | 51.2977% | 5,186 |
| Net loans and leases to deposits | 61.5290% | 5,065 |
| Net loans and leases to core deposits | 70.4014% | 4,485 |
| Total domestic deposits to total assets | 83.3716% | 4,588 |
| Equity capital to assets | 9.5014% | 5,058 |
| Core capital (leverage) ratio | 9.0504% | 4,839 |
| Tier 1 risk-based capital ratio | 14.4186% | 4,159 |
| Total risk-based capital ratio | 15.4907% | 4,244 |
| Memoranda: | ||
| Average total assets | $177,918,330 | 3,391 |
| Average earning assets | $160,398,330 | 3,420 |
| Average equity | $16,910,670 | 3,654 |
| Average total loans | $94,798,000 | 3,698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 1,053 |
| Cost of funding earning assets | 1.0288% | 1,822 |
| Net interest margin | 4.2921% | 1,491 |
| Noninterest income to average assets | 0.5963% | 3,252 |
| Noninterest expense to average assets | 2.8042% | 4,012 |
| Loan and lease loss provision to assets | 0.3983% | 1,588 |
| Net operating income to assets | 1.0698% | 2,204 |
| Return on assets (ROA) | 1.0698% | 2,395 |
| Pretax return on assets | 1.2587% | 2,697 |
| Return on Equity (ROE) | 11.2531% | 1,921 |
| Retained earnings to average equity (ytd only) | 10.2954% | 1,200 |
| Net charge-offs to loans | 0.6158% | 1,556 |
| Credit loss provision to net charge-offs | 119.8630% | 1,988 |
| Earnings coverage of net charge-offs (x) | 4.9863% | 2,465 |
| Efficiency ratio | 62.8571% | 5,127 |
| Assets per employee ($millions) | 4.4025% | 3,188 |
| Cash dividends to net income (ytd only)* | 8.5106% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,691 |
| Loan loss allowance to noncurrent loans | 240.2198% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3185% | 3,915 |
| Noncurrent loans to loans | 0.4812% | 5,707 |
| Net loans and leases to total assets | 51.7789% | 5,051 |
| Net loans and leases to deposits | 62.0734% | 4,910 |
| Net loans and leases to core deposits | 71.1095% | 4,275 |
| Total domestic deposits to total assets | 83.4157% | 4,752 |
| Equity capital to assets | 9.4121% | 4,936 |
| Core capital (leverage) ratio | 9.4379% | 4,139 |
| Tier 1 risk-based capital ratio | 14.5420% | 4,070 |
| Total risk-based capital ratio | 15.5051% | 4,250 |
| Memoranda: | ||
| Average total assets | $175,738,000 | 3,442 |
| Average earning assets | $158,242,500 | 3,470 |
| Average equity | $16,706,500 | 3,689 |
| Average total loans | $94,830,500 | 3,713 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6866% | 801 |
| Cost of funding earning assets | 1.2342% | 1,820 |
| Net interest margin | 4.4523% | 1,257 |
| Noninterest income to average assets | 0.4485% | 4,224 |
| Noninterest expense to average assets | 2.7148% | 4,691 |
| Loan and lease loss provision to assets | 0.7160% | 1,427 |
| Net operating income to assets | 0.8816% | 2,681 |
| Return on assets (ROA) | 0.9100% | 2,678 |
| Pretax return on assets | 1.0242% | 3,144 |
| Return on Equity (ROE) | 9.6515% | 2,184 |
| Retained earnings to average equity (ytd only) | 2.9055% | 4,173 |
| Net charge-offs to loans | 1.6342% | 961 |
| Credit loss provision to net charge-offs | 76.7766% | 4,608 |
| Earnings coverage of net charge-offs (x) | 1.8319% | 4,406 |
| Efficiency ratio | 61.3779% | 5,553 |
| Assets per employee ($millions) | 4.3839% | 3,090 |
| Cash dividends to net income (ytd only)* | 69.8960% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,743 |
| Loan loss allowance to noncurrent loans | 185.6894% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 3,789 |
| Noncurrent loans to loans | 0.6025% | 5,513 |
| Net loans and leases to total assets | 55.0037% | 4,875 |
| Net loans and leases to deposits | 66.4453% | 4,676 |
| Net loans and leases to core deposits | 75.6512% | 4,028 |
| Total domestic deposits to total assets | 82.7804% | 4,846 |
| Equity capital to assets | 9.6061% | 4,736 |
| Core capital (leverage) ratio | 9.4248% | 4,152 |
| Tier 1 risk-based capital ratio | 14.4080% | 4,039 |
| Total risk-based capital ratio | 15.3617% | 4,201 |
| Memoranda: | ||
| Average total assets | $169,002,600 | 3,510 |
| Average earning assets | $150,864,200 | 3,570 |
| Average equity | $15,935,400 | 3,738 |
| Average total loans | $96,439,800 | 3,717 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6862% | 869 |
| Cost of funding earning assets | 1.2663% | 1,891 |
| Net interest margin | 4.4198% | 1,347 |
| Noninterest income to average assets | 0.4439% | 4,338 |
| Noninterest expense to average assets | 2.6957% | 4,743 |
| Loan and lease loss provision to assets | 0.8308% | 1,115 |
| Net operating income to assets | 0.7791% | 3,255 |
| Return on assets (ROA) | 0.7984% | 3,336 |
| Pretax return on assets | 0.8878% | 3,815 |
| Return on Equity (ROE) | 8.5074% | 2,815 |
| Retained earnings to average equity (ytd only) | 4.7132% | 3,368 |
| Net charge-offs to loans | 2.0322% | 618 |
| Credit loss provision to net charge-offs | 71.1864% | 4,442 |
| Earnings coverage of net charge-offs (x) | 1.4542% | 4,546 |
| Efficiency ratio | 61.3653% | 5,506 |
| Assets per employee ($millions) | 4.4585% | 2,990 |
| Cash dividends to net income (ytd only)* | 44.5990% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 6,051 |
| Loan loss allowance to noncurrent loans | 368.1319% | 872 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 4,024 |
| Noncurrent loans to loans | 0.2849% | 6,286 |
| Net loans and leases to total assets | 55.9609% | 4,848 |
| Net loans and leases to deposits | 67.7718% | 4,651 |
| Net loans and leases to core deposits | 75.4412% | 4,258 |
| Total domestic deposits to total assets | 82.5725% | 4,848 |
| Equity capital to assets | 9.8210% | 4,600 |
| Core capital (leverage) ratio | 9.5784% | 4,023 |
| Tier 1 risk-based capital ratio | 14.4776% | 3,993 |
| Total risk-based capital ratio | 15.3774% | 4,229 |
| Memoranda: | ||
| Average total assets | $168,509,750 | 3,544 |
| Average earning assets | $150,560,750 | 3,595 |
| Average equity | $15,813,250 | 3,771 |
| Average total loans | $96,773,250 | 3,732 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7082% | 859 |
| Cost of funding earning assets | 1.3066% | 1,899 |
| Net interest margin | 4.4016% | 1,361 |
| Noninterest income to average assets | 0.4245% | 4,471 |
| Noninterest expense to average assets | 2.7312% | 4,700 |
| Loan and lease loss provision to assets | 0.7848% | 1,180 |
| Net operating income to assets | 0.7696% | 3,202 |
| Return on assets (ROA) | 0.7741% | 3,313 |
| Pretax return on assets | 0.8347% | 3,891 |
| Return on Equity (ROE) | 8.3795% | 2,774 |
| Retained earnings to average equity (ytd only) | 2.5872% | 4,647 |
| Net charge-offs to loans | 2.8694% | 376 |
| Credit loss provision to net charge-offs | 47.3798% | 4,651 |
| Earnings coverage of net charge-offs (x) | 0.9749% | 4,566 |
| Efficiency ratio | 62.8454% | 5,428 |
| Assets per employee ($millions) | 4.1276% | 3,496 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 6,977 |
| Loan loss allowance to noncurrent loans | 189.4022% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 3,834 |
| Noncurrent loans to loans | 0.3860% | 6,134 |
| Net loans and leases to total assets | 55.9251% | 5,010 |
| Net loans and leases to deposits | 67.4045% | 4,799 |
| Net loans and leases to core deposits | 74.1732% | 4,560 |
| Total domestic deposits to total assets | 82.9693% | 4,766 |
| Equity capital to assets | 9.4221% | 4,936 |
| Core capital (leverage) ratio | 9.3835% | 4,136 |
| Tier 1 risk-based capital ratio | 14.3010% | 3,935 |
| Total risk-based capital ratio | 14.9314% | 4,369 |
| Memoranda: | ||
| Average total assets | $168,205,670 | 3,569 |
| Average earning assets | $149,854,000 | 3,627 |
| Average equity | $15,538,000 | 3,810 |
| Average total loans | $97,092,670 | 3,764 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6478% | 980 |
| Cost of funding earning assets | 1.3658% | 1,801 |
| Net interest margin | 4.2820% | 1,614 |
| Noninterest income to average assets | 0.4794% | 4,054 |
| Noninterest expense to average assets | 2.6835% | 4,899 |
| Loan and lease loss provision to assets | 0.7633% | 1,118 |
| Net operating income to assets | 0.7633% | 3,198 |
| Return on assets (ROA) | 0.7633% | 3,268 |
| Pretax return on assets | 0.8468% | 3,714 |
| Return on Equity (ROE) | 8.3472% | 2,760 |
| Retained earnings to average equity (ytd only) | 3.1302% | 4,294 |
| Net charge-offs to loans | 0.4981% | 2,231 |
| Credit loss provision to net charge-offs | 262.2951% | 1,198 |
| Earnings coverage of net charge-offs (x) | 5.5328% | 2,266 |
| Efficiency ratio | 62.5000% | 5,594 |
| Assets per employee ($millions) | 4.0753% | 3,691 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,513 |
| Loan loss allowance to noncurrent loans | 400.0000% | 782 |
| Noncurrent assets plus other real estate owned to assets | 1.8062% | 3,560 |
| Noncurrent loans to loans | 0.4134% | 6,171 |
| Net loans and leases to total assets | 57.9548% | 4,654 |
| Net loans and leases to deposits | 69.8494% | 4,361 |
| Net loans and leases to core deposits | 77.0145% | 4,159 |
| Total domestic deposits to total assets | 82.9711% | 4,943 |
| Equity capital to assets | 9.2754% | 4,774 |
| Core capital (leverage) ratio | 9.3755% | 4,006 |
| Tier 1 risk-based capital ratio | 13.9111% | 4,133 |
| Total risk-based capital ratio | 15.1633% | 4,105 |
| Memoranda: | ||
| Average total assets | $167,693,500 | 3,596 |
| Average earning assets | $149,368,000 | 3,656 |
| Average equity | $15,334,500 | 3,842 |
| Average total loans | $97,969,500 | 3,778 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7056% | 1,553 |
| Cost of funding earning assets | 1.8493% | 1,004 |
| Net interest margin | 3.8563% | 3,705 |
| Noninterest income to average assets | 0.3570% | 5,256 |
| Noninterest expense to average assets | 2.5930% | 5,448 |
| Loan and lease loss provision to assets | 0.5159% | 3,089 |
| Net operating income to assets | 0.6417% | 3,478 |
| Return on assets (ROA) | 0.7346% | 3,200 |
| Pretax return on assets | 0.8231% | 3,561 |
| Return on Equity (ROE) | 8.3225% | 2,567 |
| Retained earnings to average equity (ytd only) | 5.8981% | 1,883 |
| Net charge-offs to loans | 0.5272% | 3,517 |
| Credit loss provision to net charge-offs | 168.9060% | 2,006 |
| Earnings coverage of net charge-offs (x) | 4.0422% | 3,092 |
| Efficiency ratio | 67.7439% | 4,613 |
| Assets per employee ($millions) | 4.1049% | 3,569 |
| Cash dividends to net income (ytd only)* | 29.1301% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 4,205 |
| Loan loss allowance to noncurrent loans | 298.5386% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 2.0873% | 3,238 |
| Noncurrent loans to loans | 0.4914% | 6,052 |
| Net loans and leases to total assets | 57.0683% | 5,179 |
| Net loans and leases to deposits | 68.5431% | 5,030 |
| Net loans and leases to core deposits | 74.4710% | 4,915 |
| Total domestic deposits to total assets | 83.2591% | 4,690 |
| Equity capital to assets | 9.0143% | 5,121 |
| Core capital (leverage) ratio | 9.0633% | 4,432 |
| Tier 1 risk-based capital ratio | 13.6592% | 4,089 |
| Total risk-based capital ratio | 14.8991% | 4,067 |
| Memoranda: | ||
| Average total assets | $170,573,800 | 3,523 |
| Average earning assets | $153,514,600 | 3,583 |
| Average equity | $15,055,600 | 3,931 |
| Average total loans | $98,814,800 | 3,832 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6327% | 1,934 |
| Cost of funding earning assets | 1.9345% | 917 |
| Net interest margin | 3.6982% | 4,405 |
| Noninterest income to average assets | 0.4261% | 4,751 |
| Noninterest expense to average assets | 2.5343% | 5,587 |
| Loan and lease loss provision to assets | 0.5181% | 2,861 |
| Net operating income to assets | 0.6323% | 3,741 |
| Return on assets (ROA) | 0.7432% | 3,395 |
| Pretax return on assets | 0.8375% | 3,777 |
| Return on Equity (ROE) | 8.4647% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.3556% | 1,667 |
| Net charge-offs to loans | 0.5823% | 2,991 |
| Credit loss provision to net charge-offs | 153.5797% | 2,508 |
| Earnings coverage of net charge-offs (x) | 3.6489% | 3,357 |
| Efficiency ratio | 67.3081% | 4,608 |
| Assets per employee ($millions) | 4.5953% | 2,755 |
| Cash dividends to net income (ytd only)* | 13.1025% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,708 |
| Loan loss allowance to noncurrent loans | 147.9001% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 2.4522% | 2,915 |
| Noncurrent loans to loans | 0.9130% | 5,417 |
| Net loans and leases to total assets | 54.5135% | 5,770 |
| Net loans and leases to deposits | 65.1429% | 5,771 |
| Net loans and leases to core deposits | 73.0134% | 5,407 |
| Total domestic deposits to total assets | 83.6829% | 4,280 |
| Equity capital to assets | 8.9250% | 5,672 |
| Core capital (leverage) ratio | 9.0579% | 4,593 |
| Tier 1 risk-based capital ratio | 13.7885% | 3,992 |
| Total risk-based capital ratio | 14.9437% | 4,013 |
| Memoranda: | ||
| Average total assets | $171,142,250 | 3,556 |
| Average earning assets | $154,521,750 | 3,612 |
| Average equity | $15,026,750 | 3,982 |
| Average total loans | $99,149,500 | 3,880 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 1,938 |
| Cost of funding earning assets | 1.9842% | 944 |
| Net interest margin | 3.6666% | 4,515 |
| Noninterest income to average assets | 0.6095% | 3,267 |
| Noninterest expense to average assets | 2.5661% | 5,467 |
| Loan and lease loss provision to assets | 0.4883% | 2,853 |
| Net operating income to assets | 0.7613% | 3,146 |
| Return on assets (ROA) | 0.7613% | 3,300 |
| Pretax return on assets | 0.8707% | 3,620 |
| Return on Equity (ROE) | 8.7193% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.0455% | 1,422 |
| Net charge-offs to loans | 0.7258% | 2,406 |
| Credit loss provision to net charge-offs | 114.3251% | 3,561 |
| Earnings coverage of net charge-offs (x) | 3.1818% | 3,418 |
| Efficiency ratio | 65.3777% | 5,084 |
| Assets per employee ($millions) | 4.5250% | 2,837 |
| Cash dividends to net income (ytd only)* | 7.7280% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,787 |
| Loan loss allowance to noncurrent loans | 69.7949% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.2169% | 3,239 |
| Noncurrent loans to loans | 1.6222% | 4,276 |
| Net loans and leases to total assets | 57.0314% | 5,559 |
| Net loans and leases to deposits | 68.3553% | 5,517 |
| Net loans and leases to core deposits | 78.4854% | 4,870 |
| Total domestic deposits to total assets | 83.4337% | 4,375 |
| Equity capital to assets | 9.0252% | 5,410 |
| Core capital (leverage) ratio | 8.9147% | 4,731 |
| Tier 1 risk-based capital ratio | 13.5656% | 4,030 |
| Total risk-based capital ratio | 14.5600% | 4,161 |
| Memoranda: | ||
| Average total assets | $169,982,670 | 3,599 |
| Average earning assets | $153,711,000 | 3,642 |
| Average equity | $14,840,670 | 4,021 |
| Average total loans | $100,034,330 | 3,898 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6576% | 1,928 |
| Cost of funding earning assets | 2.0074% | 1,061 |
| Net interest margin | 3.6501% | 4,486 |
| Noninterest income to average assets | 0.7408% | 2,356 |
| Noninterest expense to average assets | 2.6296% | 5,230 |
| Loan and lease loss provision to assets | 0.4615% | 2,658 |
| Net operating income to assets | 0.8071% | 2,934 |
| Return on assets (ROA) | 0.8071% | 3,029 |
| Pretax return on assets | 0.9420% | 3,307 |
| Return on Equity (ROE) | 9.4059% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.4059% | 1,296 |
| Net charge-offs to loans | 1.3220% | 1,295 |
| Credit loss provision to net charge-offs | 58.7349% | 4,323 |
| Earnings coverage of net charge-offs (x) | 1.7861% | 3,664 |
| Efficiency ratio | 65.1995% | 5,275 |
| Assets per employee ($millions) | 4.5310% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,714 |
| Loan loss allowance to noncurrent loans | 75.3834% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.0450% | 3,446 |
| Noncurrent loans to loans | 1.2449% | 4,894 |
| Net loans and leases to total assets | 57.2637% | 5,557 |
| Net loans and leases to deposits | 68.3091% | 5,554 |
| Net loans and leases to core deposits | 79.9994% | 4,763 |
| Total domestic deposits to total assets | 83.8302% | 4,234 |
| Equity capital to assets | 8.7746% | 5,602 |
| Core capital (leverage) ratio | 9.0067% | 4,555 |
| Tier 1 risk-based capital ratio | 13.3364% | 4,098 |
| Total risk-based capital ratio | 14.1633% | 4,374 |
| Memoranda: | ||
| Average total assets | $168,998,500 | 3,679 |
| Average earning assets | $152,432,500 | 3,717 |
| Average equity | $14,501,500 | 4,121 |
| Average total loans | $100,457,000 | 3,949 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0307% | 1,747 |
| Cost of funding earning assets | 2.6585% | 657 |
| Net interest margin | 3.3723% | 5,485 |
| Noninterest income to average assets | 0.3715% | 5,431 |
| Noninterest expense to average assets | 2.7297% | 5,249 |
| Loan and lease loss provision to assets | 0.3168% | 4,917 |
| Net operating income to assets | 0.3266% | 4,426 |
| Return on assets (ROA) | 0.5689% | 3,525 |
| Pretax return on assets | 0.6622% | 3,699 |
| Return on Equity (ROE) | 7.0074% | 2,781 |
| Retained earnings to average equity (ytd only) | 4.8473% | 1,902 |
| Net charge-offs to loans | 0.3635% | 4,408 |
| Credit loss provision to net charge-offs | 146.0274% | 3,247 |
| Earnings coverage of net charge-offs (x) | 3.2137% | 3,446 |
| Efficiency ratio | 79.6531% | 2,931 |
| Assets per employee ($millions) | 4.3636% | 3,170 |
| Cash dividends to net income (ytd only)* | 30.8255% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 6,101 |
| Loan loss allowance to noncurrent loans | 59.5662% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 2.4672% | 2,823 |
| Noncurrent loans to loans | 1.7735% | 3,974 |
| Net loans and leases to total assets | 60.4958% | 5,259 |
| Net loans and leases to deposits | 72.0867% | 5,313 |
| Net loans and leases to core deposits | 108.6332% | 3,039 |
| Total domestic deposits to total assets | 83.9209% | 4,057 |
| Equity capital to assets | 8.3797% | 6,082 |
| Core capital (leverage) ratio | 8.1625% | 5,883 |
| Tier 1 risk-based capital ratio | 12.1021% | 4,846 |
| Total risk-based capital ratio | 13.0297% | 5,090 |
| Memoranda: | ||
| Average total assets | $168,224,400 | 3,640 |
| Average earning assets | $152,419,200 | 3,669 |
| Average equity | $13,657,000 | 4,349 |
| Average total loans | $100,404,800 | 3,937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0539% | 1,823 |
| Cost of funding earning assets | 2.7786% | 633 |
| Net interest margin | 3.2753% | 5,729 |
| Noninterest income to average assets | 0.3767% | 5,496 |
| Noninterest expense to average assets | 2.8557% | 4,640 |
| Loan and lease loss provision to assets | 0.1959% | 5,428 |
| Net operating income to assets | 0.2466% | 5,005 |
| Return on assets (ROA) | 0.4581% | 4,274 |
| Pretax return on assets | 0.5418% | 4,398 |
| Return on Equity (ROE) | 5.6871% | 3,654 |
| Retained earnings to average equity (ytd only) | 5.1969% | 2,373 |
| Net charge-offs to loans | 0.3408% | 3,932 |
| Credit loss provision to net charge-offs | 96.8750% | 5,272 |
| Earnings coverage of net charge-offs (x) | 2.4180% | 4,024 |
| Efficiency ratio | 85.3837% | 2,143 |
| Assets per employee ($millions) | 4.6227% | 2,668 |
| Cash dividends to net income (ytd only)* | 8.6214% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 6,821 |
| Loan loss allowance to noncurrent loans | 66.8409% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.0073% | 3,336 |
| Noncurrent loans to loans | 1.3251% | 4,720 |
| Net loans and leases to total assets | 57.0149% | 6,028 |
| Net loans and leases to deposits | 67.4227% | 6,178 |
| Net loans and leases to core deposits | 105.9719% | 3,702 |
| Total domestic deposits to total assets | 84.5634% | 3,447 |
| Equity capital to assets | 8.0644% | 6,784 |
| Core capital (leverage) ratio | 8.0403% | 6,294 |
| Tier 1 risk-based capital ratio | 11.7955% | 5,154 |
| Total risk-based capital ratio | 12.5583% | 5,576 |
| Memoranda: | ||
| Average total assets | $168,826,000 | 3,648 |
| Average earning assets | $152,977,500 | 3,672 |
| Average equity | $13,597,500 | 4,392 |
| Average total loans | $100,160,000 | 3,980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1579% | 1,600 |
| Cost of funding earning assets | 2.9323% | 567 |
| Net interest margin | 3.2256% | 5,824 |
| Noninterest income to average assets | 0.3855% | 5,417 |
| Noninterest expense to average assets | 3.1715% | 3,425 |
| Loan and lease loss provision to assets | 0.1357% | 5,718 |
| Net operating income to assets | -0.0009% | 5,842 |
| Return on assets (ROA) | 0.3026% | 4,998 |
| Pretax return on assets | 0.3723% | 5,011 |
| Return on Equity (ROE) | 3.7589% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.0131% | 3,639 |
| Net charge-offs to loans | 0.4726% | 2,942 |
| Credit loss provision to net charge-offs | 47.8814% | 5,794 |
| Earnings coverage of net charge-offs (x) | 0.4703% | 5,233 |
| Efficiency ratio | 95.9666% | 1,377 |
| Assets per employee ($millions) | 4.3845% | 2,956 |
| Cash dividends to net income (ytd only)* | 19.8413% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 7,224 |
| Loan loss allowance to noncurrent loans | 112.3919% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 2.1415% | 3,004 |
| Noncurrent loans to loans | 0.6921% | 5,865 |
| Net loans and leases to total assets | 59.7169% | 5,728 |
| Net loans and leases to deposits | 71.0257% | 5,864 |
| Net loans and leases to core deposits | 119.0075% | 2,455 |
| Total domestic deposits to total assets | 84.0779% | 3,722 |
| Equity capital to assets | 8.0823% | 6,652 |
| Core capital (leverage) ratio | 8.0194% | 6,294 |
| Tier 1 risk-based capital ratio | 11.6383% | 5,252 |
| Total risk-based capital ratio | 12.3100% | 5,737 |
| Memoranda: | ||
| Average total assets | $166,547,670 | 3,696 |
| Average earning assets | $150,733,670 | 3,728 |
| Average equity | $13,408,000 | 4,443 |
| Average total loans | $99,864,000 | 4,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3137% | 1,259 |
| Cost of funding earning assets | 3.0311% | 567 |
| Net interest margin | 3.2826% | 5,562 |
| Noninterest income to average assets | 0.1249% | 7,400 |
| Noninterest expense to average assets | 2.2172% | 6,819 |
| Loan and lease loss provision to assets | 0.2402% | 4,061 |
| Net operating income to assets | 0.5885% | 4,063 |
| Return on assets (ROA) | 0.5885% | 4,257 |
| Pretax return on assets | 0.6462% | 4,601 |
| Return on Equity (ROE) | 7.3249% | 3,460 |
| Retained earnings to average equity (ytd only) | 5.8300% | 2,703 |
| Net charge-offs to loans | 0.7867% | 1,639 |
| Credit loss provision to net charge-offs | 51.0204% | 4,662 |
| Earnings coverage of net charge-offs (x) | 1.8827% | 3,780 |
| Efficiency ratio | 71.4396% | 4,280 |
| Assets per employee ($millions) | 4.4226% | 2,842 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 7,081 |
| Loan loss allowance to noncurrent loans | 249.8452% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 2.0076% | 2,888 |
| Noncurrent loans to loans | 0.3289% | 6,609 |
| Net loans and leases to total assets | 57.9614% | 5,944 |
| Net loans and leases to deposits | 68.8999% | 6,093 |
| Net loans and leases to core deposits | 118.3438% | 2,566 |
| Total domestic deposits to total assets | 84.1241% | 3,644 |
| Equity capital to assets | 8.1810% | 6,561 |
| Core capital (leverage) ratio | 8.0800% | 6,328 |
| Tier 1 risk-based capital ratio | 11.7541% | 5,166 |
| Total risk-based capital ratio | 12.4564% | 5,609 |
| Memoranda: | ||
| Average total assets | $166,516,000 | 3,718 |
| Average earning assets | $151,101,000 | 3,730 |
| Average equity | $13,379,000 | 4,483 |
| Average total loans | $99,658,500 | 4,039 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7269% | 1,933 |
| Cost of funding earning assets | 3.6137% | 371 |
| Net interest margin | 3.1132% | 6,612 |
| Noninterest income to average assets | 0.2488% | 6,667 |
| Noninterest expense to average assets | 2.1727% | 7,044 |
| Loan and lease loss provision to assets | 0.8332% | 1,789 |
| Net operating income to assets | 0.3275% | 5,458 |
| Return on assets (ROA) | 0.3709% | 5,077 |
| Pretax return on assets | 0.1574% | 5,826 |
| Return on Equity (ROE) | 4.5803% | 4,561 |
| Retained earnings to average equity (ytd only) | 0.9176% | 4,678 |
| Net charge-offs to loans | 1.3246% | 893 |
| Credit loss provision to net charge-offs | 98.7313% | 5,423 |
| Earnings coverage of net charge-offs (x) | 1.1224% | 5,563 |
| Efficiency ratio | 69.6407% | 4,422 |
| Assets per employee ($millions) | 4.4587% | 2,683 |
| Cash dividends to net income (ytd only)* | 79.9660% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,712 |
| Loan loss allowance to noncurrent loans | 33.8964% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 2.3562% | 2,063 |
| Noncurrent loans to loans | 2.6350% | 2,058 |
| Net loans and leases to total assets | 60.7358% | 5,802 |
| Net loans and leases to deposits | 72.0546% | 6,056 |
| Net loans and leases to core deposits | 130.0685% | 1,850 |
| Total domestic deposits to total assets | 84.2913% | 3,180 |
| Equity capital to assets | 7.8856% | 6,990 |
| Core capital (leverage) ratio | 7.6969% | 6,940 |
| Tier 1 risk-based capital ratio | 10.9537% | 5,764 |
| Total risk-based capital ratio | 11.7350% | 6,107 |
| Memoranda: | ||
| Average total assets | $158,789,800 | 3,740 |
| Average earning assets | $146,442,600 | 3,718 |
| Average equity | $12,859,400 | 4,613 |
| Average total loans | $101,166,400 | 3,915 |