Home > Cross Bank > Performance and Condition Ratios
Cross Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5631% | 330 |
| Cost of funding earning assets | 1.4451% | 2,091 |
| Net interest margin | 5.1180% | 281 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.8943% | 1,284 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.6444% | 802 |
| Return on assets (ROA) | 1.6558% | 758 |
| Pretax return on assets | 2.1978% | 491 |
| Return on Equity (ROE) | 14.2900% | 1,430 |
| Retained earnings to average equity (ytd only) | 8.4490% | 1,412 |
| Net charge-offs to loans | 0.0538% | 1,327 |
| Credit loss provision to net charge-offs | 655.4286% | 556 |
| Earnings coverage of net charge-offs (x) | 53.5600% | 1,253 |
| Efficiency ratio | 53.2855% | 3,731 |
| Assets per employee ($millions) | 4.9677% | 3,665 |
| Cash dividends to net income (ytd only)* | 40.8836% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 538 |
| Loan loss allowance to noncurrent loans | 200.0990% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 691 |
| Noncurrent loans to loans | 0.8993% | 837 |
| Net loans and leases to total assets | 78.3300% | 831 |
| Net loans and leases to deposits | 88.9303% | 1,343 |
| Net loans and leases to core deposits | 107.1722% | 1,063 |
| Total domestic deposits to total assets | 88.0900% | 1,320 |
| Equity capital to assets | 11.3589% | 1,346 |
| Core capital (leverage) ratio | 10.9399% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $399,133,000 | 2,017 |
| Average earning assets | $369,186,800 | 2,012 |
| Average equity | $46,242,200 | 1,702 |
| Average total loans | $325,248,200 | 1,700 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4043% | 339 |
| Cost of funding earning assets | 1.3652% | 1,961 |
| Net interest margin | 5.0391% | 295 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.6835% | 1,716 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.7327% | 754 |
| Return on assets (ROA) | 1.7416% | 726 |
| Pretax return on assets | 2.2951% | 484 |
| Return on Equity (ROE) | 14.9500% | 1,445 |
| Retained earnings to average equity (ytd only) | 10.8877% | 1,176 |
| Net charge-offs to loans | 0.0290% | 1,495 |
| Credit loss provision to net charge-offs | 1,464.2857% | 312 |
| Earnings coverage of net charge-offs (x) | 102.5286% | 905 |
| Efficiency ratio | 52.1995% | 3,743 |
| Assets per employee ($millions) | 5.0064% | 3,601 |
| Cash dividends to net income (ytd only)* | 27.1896% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 693 |
| Loan loss allowance to noncurrent loans | 204.5347% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 775 |
| Noncurrent loans to loans | 0.8325% | 992 |
| Net loans and leases to total assets | 86.0400% | 154 |
| Net loans and leases to deposits | 98.0539% | 616 |
| Net loans and leases to core deposits | 117.2530% | 631 |
| Total domestic deposits to total assets | 87.7500% | 1,654 |
| Equity capital to assets | 11.7835% | 1,095 |
| Core capital (leverage) ratio | 10.7010% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $393,353,250 | 2,033 |
| Average earning assets | $363,703,500 | 2,030 |
| Average equity | $45,812,000 | 1,697 |
| Average total loans | $322,352,250 | 1,709 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1755% | 360 |
| Cost of funding earning assets | 1.1816% | 2,046 |
| Net interest margin | 4.9939% | 315 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.7341% | 1,566 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.6203% | 913 |
| Return on assets (ROA) | 1.6296% | 905 |
| Pretax return on assets | 2.1243% | 596 |
| Return on Equity (ROE) | 14.0500% | 1,671 |
| Retained earnings to average equity (ytd only) | 8.3269% | 1,866 |
| Net charge-offs to loans | 0.0302% | 1,283 |
| Credit loss provision to net charge-offs | 512.7660% | 643 |
| Earnings coverage of net charge-offs (x) | 93.2766% | 976 |
| Efficiency ratio | 54.5745% | 3,563 |
| Assets per employee ($millions) | 5.0205% | 3,585 |
| Cash dividends to net income (ytd only)* | 40.7314% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 991 |
| Loan loss allowance to noncurrent loans | 441.7224% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 1,741 |
| Noncurrent loans to loans | 0.3561% | 1,858 |
| Net loans and leases to total assets | 81.2800% | 494 |
| Net loans and leases to deposits | 92.2798% | 1,005 |
| Net loans and leases to core deposits | 110.1695% | 822 |
| Total domestic deposits to total assets | 88.0800% | 1,571 |
| Equity capital to assets | 11.2945% | 1,275 |
| Core capital (leverage) ratio | 10.5770% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $389,299,000 | 2,045 |
| Average earning assets | $359,517,667 | 2,047 |
| Average equity | $45,154,667 | 1,720 |
| Average total loans | $311,484,333 | 1,739 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 319 |
| Cost of funding earning assets | 1.0141% | 1,999 |
| Net interest margin | 4.9613% | 313 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.6988% | 1,678 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.7608% | 730 |
| Return on assets (ROA) | 1.7708% | 706 |
| Pretax return on assets | 2.3057% | 478 |
| Return on Equity (ROE) | 15.0600% | 1,542 |
| Retained earnings to average equity (ytd only) | 12.7147% | 1,139 |
| Net charge-offs to loans | 0.0321% | 1,073 |
| Credit loss provision to net charge-offs | 345.8333% | 645 |
| Earnings coverage of net charge-offs (x) | 95.6667% | 807 |
| Efficiency ratio | 52.5288% | 3,736 |
| Assets per employee ($millions) | 4.3748% | 4,089 |
| Cash dividends to net income (ytd only)* | 15.5490% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 816 |
| Loan loss allowance to noncurrent loans | 4,998.0583% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 2,786 |
| Noncurrent loans to loans | 0.0339% | 3,507 |
| Net loans and leases to total assets | 78.4100% | 726 |
| Net loans and leases to deposits | 89.8267% | 1,067 |
| Net loans and leases to core deposits | 105.6643% | 846 |
| Total domestic deposits to total assets | 87.2900% | 2,165 |
| Equity capital to assets | 11.9491% | 1,010 |
| Core capital (leverage) ratio | 10.9414% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $380,619,000 | 2,099 |
| Average earning assets | $351,039,500 | 2,115 |
| Average equity | $44,767,000 | 1,744 |
| Average total loans | $299,316,500 | 1,793 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 264 |
| Cost of funding earning assets | 0.5112% | 1,313 |
| Net interest margin | 4.5608% | 264 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.7286% | 1,493 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4253% | 1,062 |
| Return on assets (ROA) | 1.4358% | 1,000 |
| Pretax return on assets | 1.9234% | 552 |
| Return on Equity (ROE) | 12.6200% | 1,932 |
| Retained earnings to average equity (ytd only) | 9.8585% | 1,206 |
| Net charge-offs to loans | 0.0377% | 1,341 |
| Credit loss provision to net charge-offs | 618.1818% | 590 |
| Earnings coverage of net charge-offs (x) | 70.0727% | 1,160 |
| Efficiency ratio | 56.2937% | 3,554 |
| Assets per employee ($millions) | 4.5859% | 3,977 |
| Cash dividends to net income (ytd only)* | 21.8815% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0954% | 361 |
| Loan loss allowance to noncurrent loans | 943.9695% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 1,837 |
| Noncurrent loans to loans | 0.2220% | 2,377 |
| Net loans and leases to total assets | 75.9000% | 1,019 |
| Net loans and leases to deposits | 86.1796% | 1,300 |
| Net loans and leases to core deposits | 98.9725% | 1,055 |
| Total domestic deposits to total assets | 88.0700% | 2,054 |
| Equity capital to assets | 11.5742% | 1,061 |
| Core capital (leverage) ratio | 10.8161% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $367,950,000 | 2,150 |
| Average earning assets | $340,599,600 | 2,150 |
| Average equity | $41,862,200 | 1,858 |
| Average total loans | $291,465,800 | 1,763 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 226 |
| Cost of funding earning assets | 0.4542% | 961 |
| Net interest margin | 4.4947% | 241 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.6463% | 1,604 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.4619% | 929 |
| Return on assets (ROA) | 1.4558% | 919 |
| Pretax return on assets | 1.9467% | 521 |
| Return on Equity (ROE) | 12.8500% | 1,756 |
| Retained earnings to average equity (ytd only) | 10.2045% | 1,284 |
| Net charge-offs to loans | 0.0248% | 1,331 |
| Credit loss provision to net charge-offs | 1,037.0370% | 398 |
| Earnings coverage of net charge-offs (x) | 109.3889% | 902 |
| Efficiency ratio | 55.0011% | 3,724 |
| Assets per employee ($millions) | 4.5343% | 4,029 |
| Cash dividends to net income (ytd only)* | 20.6126% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 711 |
| Loan loss allowance to noncurrent loans | 636.0707% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 1,326 |
| Noncurrent loans to loans | 0.2855% | 2,226 |
| Net loans and leases to total assets | 87.9000% | 65 |
| Net loans and leases to deposits | 101.1874% | 324 |
| Net loans and leases to core deposits | 115.5686% | 335 |
| Total domestic deposits to total assets | 86.8700% | 2,805 |
| Equity capital to assets | 11.4464% | 1,022 |
| Core capital (leverage) ratio | 10.4357% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $364,779,750 | 2,171 |
| Average earning assets | $338,788,000 | 2,171 |
| Average equity | $41,314,000 | 1,901 |
| Average total loans | $290,565,000 | 1,764 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 266 |
| Cost of funding earning assets | 0.4079% | 871 |
| Net interest margin | 4.2658% | 295 |
| Noninterest income to average assets | 0.6156% | 1,677 |
| Noninterest expense to average assets | 2.6709% | 1,455 |
| Loan and lease loss provision to assets | 0.1330% | 721 |
| Net operating income to assets | 1.3377% | 1,055 |
| Return on assets (ROA) | 1.3271% | 1,054 |
| Pretax return on assets | 1.7677% | 644 |
| Return on Equity (ROE) | 11.7615% | 1,737 |
| Retained earnings to average equity (ytd only) | 8.5400% | 1,418 |
| Net charge-offs to loans | 0.0305% | 1,113 |
| Credit loss provision to net charge-offs | 571.4286% | 593 |
| Earnings coverage of net charge-offs (x) | 82.2381% | 914 |
| Efficiency ratio | 58.1823% | 3,536 |
| Assets per employee ($millions) | 4.4912% | 4,074 |
| Cash dividends to net income (ytd only)* | 27.3904% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 655 |
| Loan loss allowance to noncurrent loans | 962.0861% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 1,680 |
| Noncurrent loans to loans | 0.1980% | 2,717 |
| Net loans and leases to total assets | 79.3207% | 451 |
| Net loans and leases to deposits | 89.5085% | 748 |
| Net loans and leases to core deposits | 102.5592% | 567 |
| Total domestic deposits to total assets | 88.6181% | 2,329 |
| Equity capital to assets | 11.0455% | 1,191 |
| Core capital (leverage) ratio | 9.9593% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,924,333 | 2,196 |
| Average earning assets | $335,831,667 | 2,202 |
| Average equity | $40,726,000 | 1,968 |
| Average total loans | $275,106,333 | 1,829 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 312 |
| Cost of funding earning assets | 0.4118% | 810 |
| Net interest margin | 4.0859% | 349 |
| Noninterest income to average assets | 0.6055% | 1,667 |
| Noninterest expense to average assets | 2.7452% | 1,265 |
| Loan and lease loss provision to assets | 0.1361% | 594 |
| Net operating income to assets | 1.1549% | 1,366 |
| Return on assets (ROA) | 1.1441% | 1,392 |
| Pretax return on assets | 1.5138% | 990 |
| Return on Equity (ROE) | 10.0263% | 1,961 |
| Retained earnings to average equity (ytd only) | 5.9920% | 2,258 |
| Net charge-offs to loans | 0.0354% | 946 |
| Credit loss provision to net charge-offs | 521.7391% | 500 |
| Earnings coverage of net charge-offs (x) | 63.7826% | 834 |
| Efficiency ratio | 62.1914% | 3,239 |
| Assets per employee ($millions) | 4.2918% | 4,257 |
| Cash dividends to net income (ytd only)* | 40.2379% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1470% | 486 |
| Loan loss allowance to noncurrent loans | 307.3197% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 888 |
| Noncurrent loans to loans | 0.6986% | 1,362 |
| Net loans and leases to total assets | 68.9074% | 1,122 |
| Net loans and leases to deposits | 77.6017% | 1,320 |
| Net loans and leases to core deposits | 88.5688% | 991 |
| Total domestic deposits to total assets | 88.7962% | 2,171 |
| Equity capital to assets | 10.7352% | 1,474 |
| Core capital (leverage) ratio | 9.8831% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,758,000 | 2,242 |
| Average earning assets | $328,345,500 | 2,247 |
| Average equity | $40,254,000 | 2,044 |
| Average total loans | $260,132,500 | 1,889 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 162 |
| Cost of funding earning assets | 0.5055% | 910 |
| Net interest margin | 4.8218% | 173 |
| Noninterest income to average assets | 0.5561% | 2,335 |
| Noninterest expense to average assets | 2.7184% | 1,581 |
| Loan and lease loss provision to assets | 0.1524% | 787 |
| Net operating income to assets | 1.6045% | 793 |
| Return on assets (ROA) | 1.6361% | 768 |
| Pretax return on assets | 2.2027% | 408 |
| Return on Equity (ROE) | 13.6812% | 1,273 |
| Retained earnings to average equity (ytd only) | 11.6364% | 589 |
| Net charge-offs to loans | 0.0126% | 2,090 |
| Credit loss provision to net charge-offs | 1,454.5455% | 399 |
| Earnings coverage of net charge-offs (x) | 220.9091% | 506 |
| Efficiency ratio | 53.9117% | 3,939 |
| Assets per employee ($millions) | 3.8570% | 4,469 |
| Cash dividends to net income (ytd only)* | 14.9457% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 448 |
| Loan loss allowance to noncurrent loans | 414.8559% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 1,082 |
| Noncurrent loans to loans | 0.5320% | 1,800 |
| Net loans and leases to total assets | 75.8587% | 530 |
| Net loans and leases to deposits | 86.8006% | 727 |
| Net loans and leases to core deposits | 100.8234% | 500 |
| Total domestic deposits to total assets | 87.3942% | 2,340 |
| Equity capital to assets | 12.1901% | 1,175 |
| Core capital (leverage) ratio | 12.1027% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,891,600 | 2,366 |
| Average earning assets | $292,399,000 | 2,369 |
| Average equity | $37,657,600 | 2,170 |
| Average total loans | $262,536,200 | 1,867 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3896% | 176 |
| Cost of funding earning assets | 0.5218% | 941 |
| Net interest margin | 4.8678% | 182 |
| Noninterest income to average assets | 0.5275% | 2,512 |
| Noninterest expense to average assets | 2.5998% | 1,836 |
| Loan and lease loss provision to assets | 0.1540% | 719 |
| Net operating income to assets | 1.7018% | 825 |
| Return on assets (ROA) | 1.7386% | 789 |
| Pretax return on assets | 2.3380% | 435 |
| Return on Equity (ROE) | 14.6127% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.2216% | 792 |
| Net charge-offs to loans | 0.0091% | 1,986 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 317.5556% | 421 |
| Efficiency ratio | 51.4373% | 4,083 |
| Assets per employee ($millions) | 3.9147% | 4,497 |
| Cash dividends to net income (ytd only)* | 16.3632% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8781% | 800 |
| Loan loss allowance to noncurrent loans | 402.0438% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 1,250 |
| Noncurrent loans to loans | 0.4671% | 2,159 |
| Net loans and leases to total assets | 87.5104% | 43 |
| Net loans and leases to deposits | 103.6995% | 158 |
| Net loans and leases to core deposits | 121.3504% | 175 |
| Total domestic deposits to total assets | 84.3884% | 3,339 |
| Equity capital to assets | 11.8559% | 1,467 |
| Core capital (leverage) ratio | 11.9399% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,654,250 | 2,404 |
| Average earning assets | $289,241,500 | 2,407 |
| Average equity | $37,081,000 | 2,223 |
| Average total loans | $264,593,000 | 1,888 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1562% | 270 |
| Cost of funding earning assets | 0.5466% | 959 |
| Net interest margin | 4.6096% | 303 |
| Noninterest income to average assets | 0.5400% | 2,446 |
| Noninterest expense to average assets | 2.6503% | 1,725 |
| Loan and lease loss provision to assets | 0.1569% | 747 |
| Net operating income to assets | 1.4945% | 1,308 |
| Return on assets (ROA) | 1.5461% | 1,239 |
| Pretax return on assets | 2.0763% | 710 |
| Return on Equity (ROE) | 12.9781% | 1,724 |
| Retained earnings to average equity (ytd only) | 9.9051% | 1,424 |
| Net charge-offs to loans | -0.0031% | 3,300 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8982% | 3,688 |
| Assets per employee ($millions) | 3.6989% | 4,603 |
| Cash dividends to net income (ytd only)* | 23.6786% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 635 |
| Loan loss allowance to noncurrent loans | 282.8019% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 975 |
| Noncurrent loans to loans | 0.6995% | 1,681 |
| Net loans and leases to total assets | 86.2820% | 77 |
| Net loans and leases to deposits | 98.6038% | 295 |
| Net loans and leases to core deposits | 114.3258% | 285 |
| Total domestic deposits to total assets | 87.5037% | 2,091 |
| Equity capital to assets | 12.0354% | 1,340 |
| Core capital (leverage) ratio | 11.7945% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,928,000 | 2,425 |
| Average earning assets | $283,930,333 | 2,427 |
| Average equity | $36,446,000 | 2,252 |
| Average total loans | $255,033,667 | 1,939 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 416 |
| Cost of funding earning assets | 0.5814% | 954 |
| Net interest margin | 4.3171% | 503 |
| Noninterest income to average assets | 0.6128% | 2,157 |
| Noninterest expense to average assets | 2.6053% | 1,877 |
| Loan and lease loss provision to assets | 0.1581% | 808 |
| Net operating income to assets | 1.3787% | 1,616 |
| Return on assets (ROA) | 1.4838% | 1,430 |
| Pretax return on assets | 1.9846% | 970 |
| Return on Equity (ROE) | 12.5210% | 1,828 |
| Retained earnings to average equity (ytd only) | 8.5623% | 2,073 |
| Net charge-offs to loans | -0.0114% | 3,718 |
| Credit loss provision to net charge-offs | -1,714.2857% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3392% | 3,507 |
| Assets per employee ($millions) | 3.7315% | 4,606 |
| Cash dividends to net income (ytd only)* | 31.6163% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 483 |
| Loan loss allowance to noncurrent loans | 373.2722% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 1,407 |
| Noncurrent loans to loans | 0.5683% | 2,154 |
| Net loans and leases to total assets | 79.8157% | 345 |
| Net loans and leases to deposits | 91.2438% | 635 |
| Net loans and leases to core deposits | 105.0814% | 541 |
| Total domestic deposits to total assets | 87.4752% | 2,107 |
| Equity capital to assets | 11.8833% | 1,343 |
| Core capital (leverage) ratio | 11.7811% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,537,500 | 2,425 |
| Average earning assets | $281,390,500 | 2,430 |
| Average equity | $35,971,500 | 2,264 |
| Average total loans | $245,802,500 | 1,989 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5853% | 163 |
| Cost of funding earning assets | 0.8555% | 1,000 |
| Net interest margin | 4.7299% | 202 |
| Noninterest income to average assets | 0.5008% | 2,633 |
| Noninterest expense to average assets | 2.8487% | 1,819 |
| Loan and lease loss provision to assets | 0.1549% | 2,433 |
| Net operating income to assets | 1.3725% | 1,080 |
| Return on assets (ROA) | 1.3709% | 1,176 |
| Pretax return on assets | 1.8580% | 601 |
| Return on Equity (ROE) | 11.4232% | 1,487 |
| Retained earnings to average equity (ytd only) | 5.2409% | 2,167 |
| Net charge-offs to loans | 0.0004% | 3,425 |
| Credit loss provision to net charge-offs | 44,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 5,725.0000% | 13 |
| Efficiency ratio | 58.4340% | 3,663 |
| Assets per employee ($millions) | 3.6718% | 4,576 |
| Cash dividends to net income (ytd only)* | 54.1207% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1339% | 463 |
| Loan loss allowance to noncurrent loans | 359.4990% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 1,520 |
| Noncurrent loans to loans | 0.5936% | 2,215 |
| Net loans and leases to total assets | 78.6881% | 529 |
| Net loans and leases to deposits | 89.7952% | 941 |
| Net loans and leases to core deposits | 104.5681% | 703 |
| Total domestic deposits to total assets | 87.6306% | 1,643 |
| Equity capital to assets | 11.8177% | 1,668 |
| Core capital (leverage) ratio | 11.6304% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,130,200 | 2,377 |
| Average earning assets | $262,078,800 | 2,389 |
| Average equity | $34,097,400 | 2,283 |
| Average total loans | $234,011,000 | 2,005 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 199 |
| Cost of funding earning assets | 0.9075% | 1,041 |
| Net interest margin | 4.6668% | 275 |
| Noninterest income to average assets | 0.4997% | 2,616 |
| Noninterest expense to average assets | 2.7605% | 2,090 |
| Loan and lease loss provision to assets | 0.1715% | 2,274 |
| Net operating income to assets | 1.3923% | 1,120 |
| Return on assets (ROA) | 1.3867% | 1,229 |
| Pretax return on assets | 1.8645% | 686 |
| Return on Equity (ROE) | 11.5081% | 1,513 |
| Retained earnings to average equity (ytd only) | 3.5896% | 3,260 |
| Net charge-offs to loans | 0.0115% | 2,694 |
| Credit loss provision to net charge-offs | 1,800.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 214.4500% | 475 |
| Efficiency ratio | 57.3185% | 3,760 |
| Assets per employee ($millions) | 3.6450% | 4,586 |
| Cash dividends to net income (ytd only)* | 68.8080% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 612 |
| Loan loss allowance to noncurrent loans | 343.9919% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 1,658 |
| Noncurrent loans to loans | 0.5465% | 2,429 |
| Net loans and leases to total assets | 87.4235% | 92 |
| Net loans and leases to deposits | 107.1914% | 286 |
| Net loans and leases to core deposits | 126.1972% | 299 |
| Total domestic deposits to total assets | 81.5583% | 3,529 |
| Equity capital to assets | 11.4712% | 2,030 |
| Core capital (leverage) ratio | 11.5371% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,890,250 | 2,380 |
| Average earning assets | $258,131,750 | 2,388 |
| Average equity | $33,726,250 | 2,291 |
| Average total loans | $231,991,750 | 2,025 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 332 |
| Cost of funding earning assets | 0.9787% | 1,050 |
| Net interest margin | 4.5318% | 471 |
| Noninterest income to average assets | 0.4986% | 2,571 |
| Noninterest expense to average assets | 2.8574% | 1,955 |
| Loan and lease loss provision to assets | 0.1762% | 2,255 |
| Net operating income to assets | 1.2203% | 1,583 |
| Return on assets (ROA) | 1.2110% | 1,734 |
| Pretax return on assets | 1.6222% | 1,172 |
| Return on Equity (ROE) | 9.8742% | 2,022 |
| Retained earnings to average equity (ytd only) | -1.4910% | 4,537 |
| Net charge-offs to loans | 0.0191% | 2,343 |
| Credit loss provision to net charge-offs | 1,142.8571% | 721 |
| Earnings coverage of net charge-offs (x) | 117.3810% | 633 |
| Efficiency ratio | 61.0604% | 3,267 |
| Assets per employee ($millions) | 3.5236% | 4,650 |
| Cash dividends to net income (ytd only)* | 115.1001% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 423 |
| Loan loss allowance to noncurrent loans | 282.3059% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 1,447 |
| Noncurrent loans to loans | 0.7137% | 2,095 |
| Net loans and leases to total assets | 85.3283% | 172 |
| Net loans and leases to deposits | 97.5955% | 684 |
| Net loans and leases to core deposits | 114.8321% | 569 |
| Total domestic deposits to total assets | 87.4306% | 1,440 |
| Equity capital to assets | 11.8990% | 1,728 |
| Core capital (leverage) ratio | 11.8378% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,343,000 | 2,399 |
| Average earning assets | $250,541,667 | 2,419 |
| Average equity | $33,400,333 | 2,298 |
| Average total loans | $219,472,000 | 2,086 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5166% | 368 |
| Cost of funding earning assets | 1.0697% | 1,143 |
| Net interest margin | 4.4468% | 569 |
| Noninterest income to average assets | 0.5232% | 2,425 |
| Noninterest expense to average assets | 2.9719% | 1,951 |
| Loan and lease loss provision to assets | 0.1794% | 1,659 |
| Net operating income to assets | 1.0862% | 1,887 |
| Return on assets (ROA) | 1.0614% | 2,071 |
| Pretax return on assets | 1.4172% | 1,511 |
| Return on Equity (ROE) | 8.5210% | 2,305 |
| Retained earnings to average equity (ytd only) | -10.7652% | 4,789 |
| Net charge-offs to loans | 0.0484% | 1,525 |
| Credit loss provision to net charge-offs | 480.0000% | 907 |
| Earnings coverage of net charge-offs (x) | 43.5600% | 985 |
| Efficiency ratio | 64.4459% | 3,164 |
| Assets per employee ($millions) | 3.2365% | 4,672 |
| Cash dividends to net income (ytd only)* | 226.3380% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3132% | 321 |
| Loan loss allowance to noncurrent loans | 199.9171% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 1,027 |
| Noncurrent loans to loans | 1.1571% | 1,431 |
| Net loans and leases to total assets | 76.7294% | 1,180 |
| Net loans and leases to deposits | 88.3775% | 1,713 |
| Net loans and leases to core deposits | 103.7250% | 1,208 |
| Total domestic deposits to total assets | 86.8200% | 1,639 |
| Equity capital to assets | 12.3951% | 1,795 |
| Core capital (leverage) ratio | 12.1169% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,569,500 | 2,381 |
| Average earning assets | $245,298,000 | 2,404 |
| Average equity | $33,329,500 | 2,285 |
| Average total loans | $206,469,000 | 2,135 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1685% | 175 |
| Cost of funding earning assets | 1.0316% | 1,592 |
| Net interest margin | 5.1369% | 210 |
| Noninterest income to average assets | 0.5474% | 2,497 |
| Noninterest expense to average assets | 3.1983% | 1,524 |
| Loan and lease loss provision to assets | 0.1703% | 1,225 |
| Net operating income to assets | 1.3952% | 1,355 |
| Return on assets (ROA) | 1.4451% | 1,268 |
| Pretax return on assets | 1.9375% | 683 |
| Return on Equity (ROE) | 11.4182% | 1,726 |
| Retained earnings to average equity (ytd only) | 4.5086% | 2,705 |
| Net charge-offs to loans | 0.1360% | 1,424 |
| Credit loss provision to net charge-offs | 152.7778% | 1,671 |
| Earnings coverage of net charge-offs (x) | 18.3403% | 2,064 |
| Efficiency ratio | 60.8535% | 3,558 |
| Assets per employee ($millions) | 3.3718% | 4,594 |
| Cash dividends to net income (ytd only)* | 60.5143% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3117% | 282 |
| Loan loss allowance to noncurrent loans | 313.2538% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 1,497 |
| Noncurrent loans to loans | 0.7380% | 2,034 |
| Net loans and leases to total assets | 74.0528% | 1,743 |
| Net loans and leases to deposits | 85.4423% | 2,158 |
| Net loans and leases to core deposits | 100.0175% | 1,561 |
| Total domestic deposits to total assets | 86.6700% | 1,770 |
| Equity capital to assets | 12.5167% | 1,806 |
| Core capital (leverage) ratio | 12.3578% | 1,562 |
| Tier 1 risk-based capital ratio | 16.1811% | 2,337 |
| Total risk-based capital ratio | 17.4443% | 2,283 |
| Memoranda: | ||
| Average total assets | $258,323,200 | 2,407 |
| Average earning assets | $236,136,800 | 2,437 |
| Average equity | $32,693,400 | 2,262 |
| Average total loans | $211,802,200 | 2,073 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1891% | 177 |
| Cost of funding earning assets | 0.9842% | 1,831 |
| Net interest margin | 5.2049% | 198 |
| Noninterest income to average assets | 0.5777% | 2,320 |
| Noninterest expense to average assets | 3.1434% | 1,597 |
| Loan and lease loss provision to assets | 0.1879% | 959 |
| Net operating income to assets | 1.4806% | 1,242 |
| Return on assets (ROA) | 1.5511% | 1,109 |
| Pretax return on assets | 2.1022% | 544 |
| Return on Equity (ROE) | 12.2203% | 1,542 |
| Retained earnings to average equity (ytd only) | 3.3635% | 3,718 |
| Net charge-offs to loans | 0.1710% | 996 |
| Credit loss provision to net charge-offs | 131.3869% | 1,810 |
| Earnings coverage of net charge-offs (x) | 15.3907% | 2,189 |
| Efficiency ratio | 58.6719% | 3,840 |
| Assets per employee ($millions) | 3.4227% | 4,580 |
| Cash dividends to net income (ytd only)* | 72.4764% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 483 |
| Loan loss allowance to noncurrent loans | 304.8398% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 1,361 |
| Noncurrent loans to loans | 0.6509% | 2,331 |
| Net loans and leases to total assets | 84.0882% | 344 |
| Net loans and leases to deposits | 106.9300% | 295 |
| Net loans and leases to core deposits | 121.3718% | 490 |
| Total domestic deposits to total assets | 78.6385% | 4,238 |
| Equity capital to assets | 12.0892% | 2,187 |
| Core capital (leverage) ratio | 12.0805% | 1,799 |
| Tier 1 risk-based capital ratio | 14.1925% | 3,229 |
| Total risk-based capital ratio | 15.4521% | 3,128 |
| Memoranda: | ||
| Average total assets | $255,468,000 | 2,443 |
| Average earning assets | $233,952,000 | 2,466 |
| Average equity | $32,426,000 | 2,286 |
| Average total loans | $213,632,750 | 2,084 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0588% | 212 |
| Cost of funding earning assets | 0.8971% | 2,161 |
| Net interest margin | 5.1617% | 211 |
| Noninterest income to average assets | 0.5799% | 2,245 |
| Noninterest expense to average assets | 3.2588% | 1,365 |
| Loan and lease loss provision to assets | 0.1925% | 909 |
| Net operating income to assets | 1.3727% | 1,508 |
| Return on assets (ROA) | 1.3708% | 1,572 |
| Pretax return on assets | 1.8424% | 946 |
| Return on Equity (ROE) | 10.6147% | 2,132 |
| Retained earnings to average equity (ytd only) | -1.2484% | 4,854 |
| Net charge-offs to loans | 0.2498% | 673 |
| Credit loss provision to net charge-offs | 93.0233% | 2,102 |
| Earnings coverage of net charge-offs (x) | 9.8450% | 2,310 |
| Efficiency ratio | 61.3812% | 3,529 |
| Assets per employee ($millions) | 3.0686% | 4,865 |
| Cash dividends to net income (ytd only)* | 111.7613% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 456 |
| Loan loss allowance to noncurrent loans | 272.3849% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 1,262 |
| Noncurrent loans to loans | 0.7425% | 2,132 |
| Net loans and leases to total assets | 84.6403% | 314 |
| Net loans and leases to deposits | 104.4986% | 402 |
| Net loans and leases to core deposits | 116.1740% | 679 |
| Total domestic deposits to total assets | 80.9966% | 3,816 |
| Equity capital to assets | 12.2987% | 1,987 |
| Core capital (leverage) ratio | 12.5683% | 1,501 |
| Tier 1 risk-based capital ratio | 14.1678% | 3,234 |
| Total risk-based capital ratio | 15.4279% | 3,141 |
| Memoranda: | ||
| Average total assets | $249,352,330 | 2,496 |
| Average earning assets | $227,833,670 | 2,519 |
| Average equity | $32,200,670 | 2,289 |
| Average total loans | $206,541,330 | 2,141 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0901% | 191 |
| Cost of funding earning assets | 0.8414% | 2,319 |
| Net interest margin | 5.2487% | 185 |
| Noninterest income to average assets | 0.5714% | 2,179 |
| Noninterest expense to average assets | 3.3857% | 1,136 |
| Loan and lease loss provision to assets | 0.1970% | 823 |
| Net operating income to assets | 1.3101% | 1,663 |
| Return on assets (ROA) | 1.3218% | 1,663 |
| Pretax return on assets | 1.7766% | 1,031 |
| Return on Equity (ROE) | 9.9809% | 2,379 |
| Retained earnings to average equity (ytd only) | 0.0620% | 4,516 |
| Net charge-offs to loans | 0.0345% | 1,778 |
| Credit loss provision to net charge-offs | 705.8824% | 484 |
| Earnings coverage of net charge-offs (x) | 70.1765% | 841 |
| Efficiency ratio | 63.1951% | 3,357 |
| Assets per employee ($millions) | 2.9352% | 5,007 |
| Cash dividends to net income (ytd only)* | 99.3789% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3589% | 280 |
| Loan loss allowance to noncurrent loans | 2,852.4390% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 2,611 |
| Noncurrent loans to loans | 0.0827% | 4,386 |
| Net loans and leases to total assets | 78.5357% | 1,070 |
| Net loans and leases to deposits | 91.5674% | 1,447 |
| Net loans and leases to core deposits | 101.1064% | 1,531 |
| Total domestic deposits to total assets | 85.7682% | 2,377 |
| Equity capital to assets | 13.0896% | 1,400 |
| Core capital (leverage) ratio | 13.0702% | 1,235 |
| Tier 1 risk-based capital ratio | 15.8302% | 2,517 |
| Total risk-based capital ratio | 17.0936% | 2,446 |
| Memoranda: | ||
| Average total assets | $243,612,500 | 2,561 |
| Average earning assets | $221,540,000 | 2,580 |
| Average equity | $32,261,500 | 2,285 |
| Average total loans | $197,149,000 | 2,226 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9385% | 179 |
| Cost of funding earning assets | 0.6507% | 2,388 |
| Net interest margin | 5.2878% | 164 |
| Noninterest income to average assets | 0.5138% | 2,755 |
| Noninterest expense to average assets | 3.2034% | 1,542 |
| Loan and lease loss provision to assets | 0.2288% | 780 |
| Net operating income to assets | 1.4088% | 1,401 |
| Return on assets (ROA) | 1.4232% | 1,352 |
| Pretax return on assets | 1.9104% | 700 |
| Return on Equity (ROE) | 11.0448% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.1544% | 1,602 |
| Net charge-offs to loans | 0.0704% | 2,110 |
| Credit loss provision to net charge-offs | 392.8571% | 835 |
| Earnings coverage of net charge-offs (x) | 36.4143% | 1,417 |
| Efficiency ratio | 60.0094% | 3,859 |
| Assets per employee ($millions) | 2.7042% | 5,137 |
| Cash dividends to net income (ytd only)* | 35.2236% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3343% | 272 |
| Loan loss allowance to noncurrent loans | 306.8410% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 1,269 |
| Noncurrent loans to loans | 0.7608% | 2,101 |
| Net loans and leases to total assets | 79.5326% | 1,015 |
| Net loans and leases to deposits | 93.1908% | 1,376 |
| Net loans and leases to core deposits | 101.0026% | 1,644 |
| Total domestic deposits to total assets | 85.3439% | 2,487 |
| Equity capital to assets | 13.4000% | 1,181 |
| Core capital (leverage) ratio | 12.8650% | 1,300 |
| Tier 1 risk-based capital ratio | 16.1010% | 2,370 |
| Total risk-based capital ratio | 17.3645% | 2,310 |
| Memoranda: | ||
| Average total assets | $240,371,800 | 2,544 |
| Average earning assets | $218,674,400 | 2,572 |
| Average equity | $30,973,800 | 2,286 |
| Average total loans | $198,998,400 | 2,181 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 235 |
| Cost of funding earning assets | 0.5930% | 2,525 |
| Net interest margin | 5.1665% | 191 |
| Noninterest income to average assets | 0.5660% | 2,490 |
| Noninterest expense to average assets | 3.0717% | 1,834 |
| Loan and lease loss provision to assets | 0.2497% | 632 |
| Net operating income to assets | 1.4554% | 1,313 |
| Return on assets (ROA) | 1.4554% | 1,310 |
| Pretax return on assets | 1.9581% | 704 |
| Return on Equity (ROE) | 11.4085% | 2,014 |
| Retained earnings to average equity (ytd only) | 6.6242% | 2,322 |
| Net charge-offs to loans | 0.0894% | 1,610 |
| Credit loss provision to net charge-offs | 335.8209% | 936 |
| Earnings coverage of net charge-offs (x) | 29.6944% | 1,622 |
| Efficiency ratio | 58.0242% | 4,117 |
| Assets per employee ($millions) | 2.9345% | 5,084 |
| Cash dividends to net income (ytd only)* | 41.9367% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 481 |
| Loan loss allowance to noncurrent loans | 205.7392% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.2573% | 1,103 |
| Noncurrent loans to loans | 0.9739% | 1,746 |
| Net loans and leases to total assets | 86.8432% | 197 |
| Net loans and leases to deposits | 110.7059% | 269 |
| Net loans and leases to core deposits | 118.5629% | 625 |
| Total domestic deposits to total assets | 78.4449% | 4,413 |
| Equity capital to assets | 12.4987% | 1,585 |
| Core capital (leverage) ratio | 12.6202% | 1,451 |
| Tier 1 risk-based capital ratio | 14.1913% | 3,275 |
| Total risk-based capital ratio | 15.4513% | 3,185 |
| Memoranda: | ||
| Average total assets | $240,297,000 | 2,554 |
| Average earning assets | $219,227,250 | 2,584 |
| Average equity | $30,654,750 | 2,308 |
| Average total loans | $199,751,250 | 2,186 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 297 |
| Cost of funding earning assets | 0.5475% | 2,625 |
| Net interest margin | 5.0101% | 241 |
| Noninterest income to average assets | 0.5637% | 2,503 |
| Noninterest expense to average assets | 3.1074% | 1,769 |
| Loan and lease loss provision to assets | 0.2539% | 605 |
| Net operating income to assets | 1.3129% | 1,720 |
| Return on assets (ROA) | 1.3129% | 1,721 |
| Pretax return on assets | 1.7649% | 1,051 |
| Return on Equity (ROE) | 10.2177% | 2,465 |
| Retained earnings to average equity (ytd only) | 3.6628% | 3,764 |
| Net charge-offs to loans | 0.0115% | 2,748 |
| Credit loss provision to net charge-offs | 2,727.2727% | 160 |
| Earnings coverage of net charge-offs (x) | 216.8182% | 400 |
| Efficiency ratio | 60.4524% | 3,874 |
| Assets per employee ($millions) | 2.7813% | 5,227 |
| Cash dividends to net income (ytd only)* | 64.1522% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1505% | 408 |
| Loan loss allowance to noncurrent loans | 208.8139% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 1,064 |
| Noncurrent loans to loans | 1.0299% | 1,710 |
| Net loans and leases to total assets | 85.7246% | 286 |
| Net loans and leases to deposits | 99.9665% | 806 |
| Net loans and leases to core deposits | 106.9266% | 1,184 |
| Total domestic deposits to total assets | 85.7534% | 2,392 |
| Equity capital to assets | 12.9349% | 1,329 |
| Core capital (leverage) ratio | 12.7506% | 1,328 |
| Tier 1 risk-based capital ratio | 14.6313% | 3,052 |
| Total risk-based capital ratio | 15.8926% | 2,969 |
| Memoranda: | ||
| Average total assets | $236,275,000 | 2,595 |
| Average earning assets | $215,166,670 | 2,624 |
| Average equity | $30,359,000 | 2,331 |
| Average total loans | $191,788,000 | 2,247 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 410 |
| Cost of funding earning assets | 0.5247% | 2,591 |
| Net interest margin | 4.7648% | 367 |
| Noninterest income to average assets | 0.5656% | 2,440 |
| Noninterest expense to average assets | 3.0397% | 1,971 |
| Loan and lease loss provision to assets | 0.2540% | 578 |
| Net operating income to assets | 1.1972% | 2,016 |
| Return on assets (ROA) | 1.1972% | 2,030 |
| Pretax return on assets | 1.6087% | 1,372 |
| Return on Equity (ROE) | 9.3491% | 2,742 |
| Retained earnings to average equity (ytd only) | 5.6200% | 2,888 |
| Net charge-offs to loans | 0.0130% | 2,293 |
| Credit loss provision to net charge-offs | 2,500.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 183.3333% | 358 |
| Efficiency ratio | 61.8307% | 3,814 |
| Assets per employee ($millions) | 2.7141% | 5,326 |
| Cash dividends to net income (ytd only)* | 39.8868% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3379% | 309 |
| Loan loss allowance to noncurrent loans | 215.0200% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 1,112 |
| Noncurrent loans to loans | 1.0873% | 1,685 |
| Net loans and leases to total assets | 77.1147% | 1,368 |
| Net loans and leases to deposits | 90.1866% | 1,668 |
| Net loans and leases to core deposits | 95.9836% | 1,977 |
| Total domestic deposits to total assets | 85.5057% | 2,751 |
| Equity capital to assets | 13.0458% | 1,218 |
| Core capital (leverage) ratio | 12.7992% | 1,253 |
| Tier 1 risk-based capital ratio | 15.5530% | 2,644 |
| Total risk-based capital ratio | 16.8152% | 2,584 |
| Memoranda: | ||
| Average total assets | $236,209,000 | 2,617 |
| Average earning assets | $214,993,500 | 2,648 |
| Average equity | $30,249,000 | 2,349 |
| Average total loans | $184,125,500 | 2,332 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4296% | 294 |
| Cost of funding earning assets | 0.5310% | 2,097 |
| Net interest margin | 4.8986% | 281 |
| Noninterest income to average assets | 0.6806% | 2,048 |
| Noninterest expense to average assets | 3.0370% | 2,051 |
| Loan and lease loss provision to assets | 0.2321% | 835 |
| Net operating income to assets | 1.0254% | 2,136 |
| Return on assets (ROA) | 1.0254% | 2,167 |
| Pretax return on assets | 1.8571% | 672 |
| Return on Equity (ROE) | 8.2883% | 2,652 |
| Retained earnings to average equity (ytd only) | 3.8883% | 2,873 |
| Net charge-offs to loans | 0.0885% | 2,209 |
| Credit loss provision to net charge-offs | 325.4438% | 884 |
| Earnings coverage of net charge-offs (x) | 29.2959% | 1,573 |
| Efficiency ratio | 59.0797% | 4,401 |
| Assets per employee ($millions) | 2.9506% | 5,231 |
| Cash dividends to net income (ytd only)* | 53.0864% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2643% | 329 |
| Loan loss allowance to noncurrent loans | 925.5556% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 2,380 |
| Noncurrent loans to loans | 0.2446% | 3,922 |
| Net loans and leases to total assets | 75.2207% | 1,719 |
| Net loans and leases to deposits | 87.5080% | 2,080 |
| Net loans and leases to core deposits | 92.6705% | 2,308 |
| Total domestic deposits to total assets | 85.9587% | 2,457 |
| Equity capital to assets | 12.5719% | 1,474 |
| Core capital (leverage) ratio | 12.0583% | 1,572 |
| Tier 1 risk-based capital ratio | 15.5170% | 2,620 |
| Total risk-based capital ratio | 16.7790% | 2,551 |
| Memoranda: | ||
| Average total assets | $236,980,800 | 2,589 |
| Average earning assets | $215,063,000 | 2,621 |
| Average equity | $29,318,400 | 2,404 |
| Average total loans | $190,963,400 | 2,235 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 358 |
| Cost of funding earning assets | 0.5117% | 2,170 |
| Net interest margin | 4.7652% | 367 |
| Noninterest income to average assets | 0.6016% | 2,478 |
| Noninterest expense to average assets | 2.9775% | 2,176 |
| Loan and lease loss provision to assets | 0.2537% | 679 |
| Net operating income to assets | 1.0577% | 2,296 |
| Return on assets (ROA) | 1.0577% | 2,332 |
| Pretax return on assets | 1.6965% | 1,135 |
| Return on Equity (ROE) | 8.5847% | 2,817 |
| Retained earnings to average equity (ytd only) | 3.0248% | 4,108 |
| Net charge-offs to loans | 0.1010% | 1,775 |
| Credit loss provision to net charge-offs | 308.2192% | 965 |
| Earnings coverage of net charge-offs (x) | 23.6920% | 1,801 |
| Efficiency ratio | 60.2517% | 4,168 |
| Assets per employee ($millions) | 3.0946% | 5,180 |
| Cash dividends to net income (ytd only)* | 64.7655% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9315% | 660 |
| Loan loss allowance to noncurrent loans | 125.0535% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.8258% | 751 |
| Noncurrent loans to loans | 1.5445% | 1,207 |
| Net loans and leases to total assets | 83.8417% | 451 |
| Net loans and leases to deposits | 105.6821% | 430 |
| Net loans and leases to core deposits | 112.3649% | 910 |
| Total domestic deposits to total assets | 79.3338% | 4,476 |
| Equity capital to assets | 11.9462% | 2,002 |
| Core capital (leverage) ratio | 11.9567% | 1,715 |
| Tier 1 risk-based capital ratio | 13.8829% | 3,501 |
| Total risk-based capital ratio | 15.1416% | 3,424 |
| Memoranda: | ||
| Average total assets | $236,475,500 | 2,611 |
| Average earning assets | $214,691,500 | 2,643 |
| Average equity | $29,136,250 | 2,437 |
| Average total loans | $192,718,250 | 2,235 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 367 |
| Cost of funding earning assets | 0.5026% | 2,146 |
| Net interest margin | 4.7373% | 365 |
| Noninterest income to average assets | 0.6143% | 2,389 |
| Noninterest expense to average assets | 3.0037% | 2,098 |
| Loan and lease loss provision to assets | 0.2578% | 642 |
| Net operating income to assets | 1.0267% | 2,302 |
| Return on assets (ROA) | 1.0267% | 2,345 |
| Pretax return on assets | 1.6453% | 1,208 |
| Return on Equity (ROE) | 8.2442% | 2,890 |
| Retained earnings to average equity (ytd only) | 0.3794% | 4,999 |
| Net charge-offs to loans | 0.0869% | 1,742 |
| Credit loss provision to net charge-offs | 370.3704% | 838 |
| Earnings coverage of net charge-offs (x) | 27.3457% | 1,543 |
| Efficiency ratio | 61.0401% | 4,159 |
| Assets per employee ($millions) | 2.9182% | 5,336 |
| Cash dividends to net income (ytd only)* | 95.3975% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 595 |
| Loan loss allowance to noncurrent loans | 469.8357% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 1,907 |
| Noncurrent loans to loans | 0.4270% | 3,484 |
| Net loans and leases to total assets | 82.7291% | 580 |
| Net loans and leases to deposits | 98.4276% | 857 |
| Net loans and leases to core deposits | 103.6405% | 1,383 |
| Total domestic deposits to total assets | 84.0508% | 3,180 |
| Equity capital to assets | 12.2564% | 1,754 |
| Core capital (leverage) ratio | 12.1863% | 1,541 |
| Tier 1 risk-based capital ratio | 14.2786% | 3,275 |
| Total risk-based capital ratio | 15.5380% | 3,193 |
| Memoranda: | ||
| Average total assets | $232,777,670 | 2,652 |
| Average earning assets | $210,924,000 | 2,689 |
| Average equity | $28,990,000 | 2,439 |
| Average total loans | $186,406,330 | 2,294 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 424 |
| Cost of funding earning assets | 0.5055% | 2,041 |
| Net interest margin | 4.6241% | 428 |
| Noninterest income to average assets | 0.7204% | 1,868 |
| Noninterest expense to average assets | 2.9821% | 2,208 |
| Loan and lease loss provision to assets | 0.2598% | 561 |
| Net operating income to assets | 1.0391% | 2,119 |
| Return on assets (ROA) | 1.0391% | 2,169 |
| Pretax return on assets | 1.6608% | 1,091 |
| Return on Equity (ROE) | 8.2760% | 2,777 |
| Retained earnings to average equity (ytd only) | 2.9380% | 3,946 |
| Net charge-offs to loans | 0.0022% | 2,889 |
| Credit loss provision to net charge-offs | 15,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,109.0000% | 38 |
| Efficiency ratio | 60.6499% | 4,377 |
| Assets per employee ($millions) | 2.9209% | 5,412 |
| Cash dividends to net income (ytd only)* | 64.5000% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 485 |
| Loan loss allowance to noncurrent loans | 1,202.7523% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 2,062 |
| Noncurrent loans to loans | 0.1819% | 4,470 |
| Net loans and leases to total assets | 76.2182% | 1,380 |
| Net loans and leases to deposits | 88.9298% | 1,673 |
| Net loans and leases to core deposits | 93.2508% | 2,039 |
| Total domestic deposits to total assets | 85.7061% | 2,792 |
| Equity capital to assets | 12.6172% | 1,456 |
| Core capital (leverage) ratio | 12.2733% | 1,459 |
| Tier 1 risk-based capital ratio | 15.4104% | 2,790 |
| Total risk-based capital ratio | 16.6716% | 2,721 |
| Memoranda: | ||
| Average total assets | $230,979,000 | 2,700 |
| Average earning assets | $208,907,500 | 2,739 |
| Average equity | $28,999,500 | 2,442 |
| Average total loans | $179,832,500 | 2,362 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 398 |
| Cost of funding earning assets | 0.4850% | 2,208 |
| Net interest margin | 4.7423% | 392 |
| Noninterest income to average assets | 0.4770% | 3,365 |
| Noninterest expense to average assets | 3.0050% | 2,338 |
| Loan and lease loss provision to assets | 0.2585% | 799 |
| Net operating income to assets | 0.9400% | 2,635 |
| Return on assets (ROA) | 0.9411% | 2,739 |
| Pretax return on assets | 1.4870% | 1,629 |
| Return on Equity (ROE) | 7.7294% | 3,096 |
| Retained earnings to average equity (ytd only) | 3.6028% | 3,359 |
| Net charge-offs to loans | 0.0504% | 3,037 |
| Credit loss provision to net charge-offs | 652.1739% | 531 |
| Earnings coverage of net charge-offs (x) | 43.9891% | 1,101 |
| Efficiency ratio | 63.0977% | 4,091 |
| Assets per employee ($millions) | 2.9642% | 5,378 |
| Cash dividends to net income (ytd only)* | 53.3883% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 545 |
| Loan loss allowance to noncurrent loans | 1,011.7647% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 2,059 |
| Noncurrent loans to loans | 0.2079% | 4,412 |
| Net loans and leases to total assets | 76.1541% | 1,493 |
| Net loans and leases to deposits | 88.7972% | 1,831 |
| Net loans and leases to core deposits | 93.3471% | 2,175 |
| Total domestic deposits to total assets | 85.7619% | 2,693 |
| Equity capital to assets | 12.4930% | 1,530 |
| Core capital (leverage) ratio | 12.1536% | 1,507 |
| Tier 1 risk-based capital ratio | 15.4269% | 2,778 |
| Total risk-based capital ratio | 16.6870% | 2,707 |
| Memoranda: | ||
| Average total assets | $232,078,200 | 2,641 |
| Average earning assets | $209,056,800 | 2,703 |
| Average equity | $28,255,600 | 2,496 |
| Average total loans | $182,612,800 | 2,289 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2585% | 393 |
| Cost of funding earning assets | 0.4793% | 2,271 |
| Net interest margin | 4.7792% | 376 |
| Noninterest income to average assets | 0.6572% | 2,377 |
| Noninterest expense to average assets | 2.9915% | 2,342 |
| Loan and lease loss provision to assets | 0.2583% | 713 |
| Net operating income to assets | 1.0805% | 2,081 |
| Return on assets (ROA) | 1.0819% | 2,180 |
| Pretax return on assets | 1.7139% | 1,079 |
| Return on Equity (ROE) | 8.9446% | 2,521 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,625 |
| Net charge-offs to loans | 0.0633% | 2,448 |
| Credit loss provision to net charge-offs | 517.2414% | 688 |
| Earnings coverage of net charge-offs (x) | 39.4473% | 1,258 |
| Efficiency ratio | 60.1226% | 4,523 |
| Assets per employee ($millions) | 3.0348% | 5,360 |
| Cash dividends to net income (ytd only)* | 57.8780% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 908 |
| Loan loss allowance to noncurrent loans | 457.1608% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 1.7608% | 946 |
| Noncurrent loans to loans | 0.4075% | 3,817 |
| Net loans and leases to total assets | 80.9798% | 764 |
| Net loans and leases to deposits | 98.9337% | 784 |
| Net loans and leases to core deposits | 103.9719% | 1,342 |
| Total domestic deposits to total assets | 81.8526% | 3,977 |
| Equity capital to assets | 12.1250% | 2,020 |
| Core capital (leverage) ratio | 11.7707% | 1,828 |
| Tier 1 risk-based capital ratio | 14.3581% | 3,363 |
| Total risk-based capital ratio | 15.6159% | 3,289 |
| Memoranda: | ||
| Average total assets | $232,295,250 | 2,648 |
| Average earning assets | $209,205,250 | 2,712 |
| Average equity | $28,098,250 | 2,527 |
| Average total loans | $183,301,000 | 2,284 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 523 |
| Cost of funding earning assets | 0.4709% | 2,361 |
| Net interest margin | 4.5938% | 517 |
| Noninterest income to average assets | 0.6490% | 2,374 |
| Noninterest expense to average assets | 3.0214% | 2,273 |
| Loan and lease loss provision to assets | 0.2599% | 729 |
| Net operating income to assets | 0.9509% | 2,618 |
| Return on assets (ROA) | 0.9531% | 2,756 |
| Pretax return on assets | 1.5042% | 1,657 |
| Return on Equity (ROE) | 7.8862% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.8568% | 4,627 |
| Net charge-offs to loans | 0.0469% | 2,545 |
| Credit loss provision to net charge-offs | 714.2857% | 496 |
| Earnings coverage of net charge-offs (x) | 48.3810% | 1,014 |
| Efficiency ratio | 63.0005% | 4,177 |
| Assets per employee ($millions) | 2.9130% | 5,518 |
| Cash dividends to net income (ytd only)* | 76.4545% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8452% | 990 |
| Loan loss allowance to noncurrent loans | 134.5773% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 2.8823% | 432 |
| Noncurrent loans to loans | 1.3711% | 1,634 |
| Net loans and leases to total assets | 82.7372% | 542 |
| Net loans and leases to deposits | 96.5631% | 1,019 |
| Net loans and leases to core deposits | 101.3096% | 1,530 |
| Total domestic deposits to total assets | 85.6820% | 2,568 |
| Equity capital to assets | 12.3722% | 1,853 |
| Core capital (leverage) ratio | 11.9838% | 1,638 |
| Tier 1 risk-based capital ratio | 14.0481% | 3,577 |
| Total risk-based capital ratio | 15.3050% | 3,492 |
| Memoranda: | ||
| Average total assets | $230,821,330 | 2,673 |
| Average earning assets | $207,671,330 | 2,735 |
| Average equity | $27,897,000 | 2,541 |
| Average total loans | $179,290,670 | 2,322 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 674 |
| Cost of funding earning assets | 0.4644% | 2,425 |
| Net interest margin | 4.4568% | 661 |
| Noninterest income to average assets | 0.6173% | 2,429 |
| Noninterest expense to average assets | 2.9472% | 2,546 |
| Loan and lease loss provision to assets | 0.2579% | 670 |
| Net operating income to assets | 0.9052% | 2,729 |
| Return on assets (ROA) | 0.9096% | 2,824 |
| Pretax return on assets | 1.4289% | 1,806 |
| Return on Equity (ROE) | 7.6142% | 3,122 |
| Retained earnings to average equity (ytd only) | 3.7855% | 3,603 |
| Net charge-offs to loans | 0.0370% | 2,246 |
| Credit loss provision to net charge-offs | 937.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 61.0625% | 767 |
| Efficiency ratio | 63.5080% | 4,216 |
| Assets per employee ($millions) | 2.9854% | 5,526 |
| Cash dividends to net income (ytd only)* | 50.2836% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 903 |
| Loan loss allowance to noncurrent loans | 155.7078% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 2.8098% | 478 |
| Noncurrent loans to loans | 1.2490% | 1,935 |
| Net loans and leases to total assets | 74.7923% | 1,601 |
| Net loans and leases to deposits | 87.2255% | 1,914 |
| Net loans and leases to core deposits | 91.4424% | 2,237 |
| Total domestic deposits to total assets | 85.7459% | 2,788 |
| Equity capital to assets | 12.1582% | 1,912 |
| Core capital (leverage) ratio | 11.8306% | 1,725 |
| Tier 1 risk-based capital ratio | 14.7881% | 3,249 |
| Total risk-based capital ratio | 16.0453% | 3,182 |
| Memoranda: | ||
| Average total assets | $232,626,500 | 2,669 |
| Average earning assets | $209,296,500 | 2,730 |
| Average equity | $27,790,000 | 2,543 |
| Average total loans | $173,175,000 | 2,378 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 417 |
| Cost of funding earning assets | 0.4541% | 2,587 |
| Net interest margin | 4.7629% | 403 |
| Noninterest income to average assets | 0.5448% | 3,044 |
| Noninterest expense to average assets | 2.9178% | 2,796 |
| Loan and lease loss provision to assets | 0.2950% | 588 |
| Net operating income to assets | 0.9754% | 2,490 |
| Return on assets (ROA) | 0.9779% | 2,554 |
| Pretax return on assets | 1.6256% | 1,179 |
| Return on Equity (ROE) | 8.1419% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.4394% | 2,825 |
| Net charge-offs to loans | 0.0856% | 2,605 |
| Credit loss provision to net charge-offs | 437.0861% | 702 |
| Earnings coverage of net charge-offs (x) | 28.3974% | 1,509 |
| Efficiency ratio | 60.2996% | 4,873 |
| Assets per employee ($millions) | 3.0568% | 5,471 |
| Cash dividends to net income (ytd only)* | 45.4753% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 930 |
| Loan loss allowance to noncurrent loans | 161.3793% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 2.6808% | 547 |
| Noncurrent loans to loans | 1.1871% | 1,984 |
| Net loans and leases to total assets | 71.2620% | 2,161 |
| Net loans and leases to deposits | 82.6255% | 2,520 |
| Net loans and leases to core deposits | 87.5072% | 2,650 |
| Total domestic deposits to total assets | 86.2471% | 2,515 |
| Equity capital to assets | 11.7391% | 2,160 |
| Core capital (leverage) ratio | 11.6719% | 1,835 |
| Tier 1 risk-based capital ratio | 15.2994% | 3,037 |
| Total risk-based capital ratio | 16.5569% | 2,973 |
| Memoranda: | ||
| Average total assets | $223,733,600 | 2,715 |
| Average earning assets | $201,496,800 | 2,764 |
| Average equity | $26,873,200 | 2,561 |
| Average total loans | $176,350,600 | 2,279 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 407 |
| Cost of funding earning assets | 0.4522% | 2,660 |
| Net interest margin | 4.7964% | 383 |
| Noninterest income to average assets | 0.3381% | 4,522 |
| Noninterest expense to average assets | 2.7998% | 3,188 |
| Loan and lease loss provision to assets | 0.3260% | 426 |
| Net operating income to assets | 0.9969% | 2,485 |
| Return on assets (ROA) | 1.0005% | 2,559 |
| Pretax return on assets | 1.5403% | 1,571 |
| Return on Equity (ROE) | 8.2795% | 2,930 |
| Retained earnings to average equity (ytd only) | 3.6825% | 3,848 |
| Net charge-offs to loans | 0.0188% | 3,565 |
| Credit loss provision to net charge-offs | 2,160.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 123.2892% | 525 |
| Efficiency ratio | 60.0207% | 4,883 |
| Assets per employee ($millions) | 3.4525% | 4,890 |
| Cash dividends to net income (ytd only)* | 55.5222% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 1,425 |
| Loan loss allowance to noncurrent loans | 143.8843% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 2.8513% | 557 |
| Noncurrent loans to loans | 1.1955% | 2,137 |
| Net loans and leases to total assets | 79.8763% | 840 |
| Net loans and leases to deposits | 115.8192% | 155 |
| Net loans and leases to core deposits | 124.3586% | 366 |
| Total domestic deposits to total assets | 68.9664% | 6,011 |
| Equity capital to assets | 11.5727% | 2,438 |
| Core capital (leverage) ratio | 11.6342% | 1,932 |
| Tier 1 risk-based capital ratio | 13.8923% | 3,907 |
| Total risk-based capital ratio | 15.1480% | 3,846 |
| Memoranda: | ||
| Average total assets | $220,823,250 | 2,767 |
| Average earning assets | $199,004,250 | 2,811 |
| Average equity | $26,683,750 | 2,589 |
| Average total loans | $177,686,000 | 2,273 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 433 |
| Cost of funding earning assets | 0.4537% | 2,681 |
| Net interest margin | 4.7377% | 412 |
| Noninterest income to average assets | 0.1453% | 5,838 |
| Noninterest expense to average assets | 2.8144% | 3,177 |
| Loan and lease loss provision to assets | 0.3331% | 411 |
| Net operating income to assets | 0.8308% | 3,210 |
| Return on assets (ROA) | 0.8308% | 3,326 |
| Pretax return on assets | 1.2582% | 2,514 |
| Return on Equity (ROE) | 6.7717% | 3,747 |
| Retained earnings to average equity (ytd only) | 0.2111% | 5,440 |
| Net charge-offs to loans | 0.0242% | 3,186 |
| Credit loss provision to net charge-offs | 1,714.2857% | 218 |
| Earnings coverage of net charge-offs (x) | 81.9048% | 693 |
| Efficiency ratio | 63.8387% | 4,383 |
| Assets per employee ($millions) | 3.3017% | 5,161 |
| Cash dividends to net income (ytd only)* | 96.8820% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 1,653 |
| Loan loss allowance to noncurrent loans | 119.9228% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 3.1437% | 508 |
| Noncurrent loans to loans | 1.4019% | 1,924 |
| Net loans and leases to total assets | 80.9032% | 682 |
| Net loans and leases to deposits | 110.5122% | 251 |
| Net loans and leases to core deposits | 118.5533% | 509 |
| Total domestic deposits to total assets | 73.2075% | 5,851 |
| Equity capital to assets | 11.7690% | 2,187 |
| Core capital (leverage) ratio | 11.9789% | 1,674 |
| Tier 1 risk-based capital ratio | 13.9562% | 3,956 |
| Total risk-based capital ratio | 15.2115% | 3,886 |
| Memoranda: | ||
| Average total assets | $216,175,000 | 2,821 |
| Average earning assets | $194,398,330 | 2,885 |
| Average equity | $26,522,000 | 2,612 |
| Average total loans | $173,312,670 | 2,335 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 440 |
| Cost of funding earning assets | 0.4567% | 2,707 |
| Net interest margin | 4.7013% | 408 |
| Noninterest income to average assets | 0.5811% | 2,763 |
| Noninterest expense to average assets | 2.9509% | 2,733 |
| Loan and lease loss provision to assets | 0.3396% | 392 |
| Net operating income to assets | 0.9773% | 2,351 |
| Return on assets (ROA) | 0.9773% | 2,486 |
| Pretax return on assets | 1.5056% | 1,550 |
| Return on Equity (ROE) | 7.7978% | 3,066 |
| Retained earnings to average equity (ytd only) | 5.2387% | 2,926 |
| Net charge-offs to loans | 0.0072% | 3,086 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 168 |
| Efficiency ratio | 61.4870% | 4,881 |
| Assets per employee ($millions) | 3.0480% | 5,607 |
| Cash dividends to net income (ytd only)* | 32.8185% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 1,626 |
| Loan loss allowance to noncurrent loans | 152.2234% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 3.2191% | 552 |
| Noncurrent loans to loans | 1.1450% | 2,481 |
| Net loans and leases to total assets | 78.9177% | 804 |
| Net loans and leases to deposits | 99.5203% | 587 |
| Net loans and leases to core deposits | 106.4906% | 906 |
| Total domestic deposits to total assets | 79.2981% | 5,214 |
| Equity capital to assets | 12.7222% | 1,556 |
| Core capital (leverage) ratio | 12.6434% | 1,295 |
| Tier 1 risk-based capital ratio | 14.7260% | 3,589 |
| Total risk-based capital ratio | 15.9808% | 3,515 |
| Memoranda: | ||
| Average total assets | $212,005,500 | 2,887 |
| Average earning assets | $190,074,500 | 2,945 |
| Average equity | $26,571,500 | 2,621 |
| Average total loans | $167,596,500 | 2,398 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 480 |
| Cost of funding earning assets | 0.4386% | 3,293 |
| Net interest margin | 4.8053% | 432 |
| Noninterest income to average assets | 1.0489% | 1,111 |
| Noninterest expense to average assets | 2.9520% | 2,992 |
| Loan and lease loss provision to assets | 0.3084% | 662 |
| Net operating income to assets | 1.3727% | 1,136 |
| Return on assets (ROA) | 1.3727% | 1,178 |
| Pretax return on assets | 2.1007% | 414 |
| Return on Equity (ROE) | 11.4377% | 1,577 |
| Retained earnings to average equity (ytd only) | 10.6348% | 424 |
| Net charge-offs to loans | 0.2627% | 1,646 |
| Credit loss provision to net charge-offs | 154.2169% | 1,574 |
| Earnings coverage of net charge-offs (x) | 12.0482% | 2,425 |
| Efficiency ratio | 55.0193% | 5,763 |
| Assets per employee ($millions) | 3.0957% | 5,570 |
| Cash dividends to net income (ytd only)* | 7.0200% | 4,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 1,882 |
| Loan loss allowance to noncurrent loans | 2,794.9495% | 251 |
| Noncurrent assets plus other real estate owned to assets | 2.3539% | 998 |
| Noncurrent loans to loans | 0.0595% | 5,643 |
| Net loans and leases to total assets | 76.5479% | 1,189 |
| Net loans and leases to deposits | 97.4138% | 798 |
| Net loans and leases to core deposits | 104.3705% | 1,107 |
| Total domestic deposits to total assets | 78.5802% | 5,333 |
| Equity capital to assets | 12.3082% | 1,772 |
| Core capital (leverage) ratio | 12.0530% | 1,590 |
| Tier 1 risk-based capital ratio | 15.9617% | 2,978 |
| Total risk-based capital ratio | 17.2171% | 2,924 |
| Memoranda: | ||
| Average total assets | $207,553,800 | 2,906 |
| Average earning assets | $186,254,400 | 2,957 |
| Average equity | $24,908,800 | 2,676 |
| Average total loans | $157,991,400 | 2,455 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 530 |
| Cost of funding earning assets | 0.4316% | 3,447 |
| Net interest margin | 4.7624% | 455 |
| Noninterest income to average assets | 1.1551% | 897 |
| Noninterest expense to average assets | 2.8317% | 3,344 |
| Loan and lease loss provision to assets | 0.3106% | 615 |
| Net operating income to assets | 1.4896% | 961 |
| Return on assets (ROA) | 1.4896% | 989 |
| Pretax return on assets | 2.2895% | 303 |
| Return on Equity (ROE) | 12.4953% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.4953% | 376 |
| Net charge-offs to loans | 0.0402% | 3,697 |
| Credit loss provision to net charge-offs | 1,021.2766% | 321 |
| Earnings coverage of net charge-offs (x) | 85.4827% | 661 |
| Efficiency ratio | 52.0848% | 5,985 |
| Assets per employee ($millions) | 3.3022% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 1,984 |
| Loan loss allowance to noncurrent loans | 1,608.1081% | 376 |
| Noncurrent assets plus other real estate owned to assets | 2.2681% | 1,206 |
| Noncurrent loans to loans | 0.1055% | 5,618 |
| Net loans and leases to total assets | 76.7775% | 1,128 |
| Net loans and leases to deposits | 104.0691% | 400 |
| Net loans and leases to core deposits | 111.3592% | 691 |
| Total domestic deposits to total assets | 73.7754% | 6,034 |
| Equity capital to assets | 11.5347% | 2,447 |
| Core capital (leverage) ratio | 11.9535% | 1,726 |
| Tier 1 risk-based capital ratio | 15.2480% | 3,442 |
| Total risk-based capital ratio | 16.5047% | 3,385 |
| Memoranda: | ||
| Average total assets | $206,040,750 | 2,946 |
| Average earning assets | $185,027,750 | 3,000 |
| Average equity | $24,563,250 | 2,712 |
| Average total loans | $155,919,750 | 2,494 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 626 |
| Cost of funding earning assets | 0.4392% | 3,449 |
| Net interest margin | 4.6499% | 530 |
| Noninterest income to average assets | 1.4639% | 565 |
| Noninterest expense to average assets | 2.9349% | 3,047 |
| Loan and lease loss provision to assets | 0.2402% | 938 |
| Net operating income to assets | 1.5920% | 715 |
| Return on assets (ROA) | 1.5920% | 748 |
| Pretax return on assets | 2.4526% | 227 |
| Return on Equity (ROE) | 13.1938% | 1,124 |
| Retained earnings to average equity (ytd only) | 13.1938% | 325 |
| Net charge-offs to loans | 0.0589% | 3,130 |
| Credit loss provision to net charge-offs | 545.4545% | 549 |
| Earnings coverage of net charge-offs (x) | 61.1591% | 797 |
| Efficiency ratio | 52.1159% | 6,056 |
| Assets per employee ($millions) | 2.9931% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,085 |
| Loan loss allowance to noncurrent loans | 1,825.3333% | 302 |
| Noncurrent assets plus other real estate owned to assets | 2.4851% | 1,144 |
| Noncurrent loans to loans | 0.0940% | 5,735 |
| Net loans and leases to total assets | 77.0794% | 1,043 |
| Net loans and leases to deposits | 93.1901% | 1,034 |
| Net loans and leases to core deposits | 99.1249% | 1,351 |
| Total domestic deposits to total assets | 82.7120% | 4,408 |
| Equity capital to assets | 12.3673% | 1,726 |
| Core capital (leverage) ratio | 12.5558% | 1,366 |
| Tier 1 risk-based capital ratio | 15.9047% | 3,146 |
| Total risk-based capital ratio | 17.1610% | 3,075 |
| Memoranda: | ||
| Average total assets | $199,871,330 | 3,038 |
| Average earning assets | $178,971,000 | 3,094 |
| Average equity | $24,117,330 | 2,743 |
| Average total loans | $149,433,670 | 2,584 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 751 |
| Cost of funding earning assets | 0.4298% | 3,650 |
| Net interest margin | 4.5489% | 605 |
| Noninterest income to average assets | 0.5635% | 2,962 |
| Noninterest expense to average assets | 2.9266% | 3,129 |
| Loan and lease loss provision to assets | 0.2424% | 903 |
| Net operating income to assets | 0.9917% | 2,237 |
| Return on assets (ROA) | 0.9917% | 2,296 |
| Pretax return on assets | 1.4563% | 1,566 |
| Return on Equity (ROE) | 8.3254% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.3254% | 1,488 |
| Net charge-offs to loans | 0.0055% | 3,546 |
| Credit loss provision to net charge-offs | 6,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 420.5000% | 107 |
| Efficiency ratio | 63.2314% | 4,970 |
| Assets per employee ($millions) | 2.9328% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 1,831 |
| Loan loss allowance to noncurrent loans | 1,023.0769% | 502 |
| Noncurrent assets plus other real estate owned to assets | 2.5914% | 1,207 |
| Noncurrent loans to loans | 0.1831% | 5,550 |
| Net loans and leases to total assets | 69.8865% | 1,904 |
| Net loans and leases to deposits | 81.8014% | 2,066 |
| Net loans and leases to core deposits | 86.7984% | 2,223 |
| Total domestic deposits to total assets | 85.4344% | 3,656 |
| Equity capital to assets | 11.9922% | 1,873 |
| Core capital (leverage) ratio | 12.0783% | 1,609 |
| Tier 1 risk-based capital ratio | 16.7214% | 2,802 |
| Total risk-based capital ratio | 17.9790% | 2,760 |
| Memoranda: | ||
| Average total assets | $198,042,500 | 3,074 |
| Average earning assets | $176,832,500 | 3,140 |
| Average equity | $23,590,500 | 2,786 |
| Average total loans | $144,342,000 | 2,674 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 1,049 |
| Cost of funding earning assets | 0.5058% | 3,547 |
| Net interest margin | 4.4173% | 885 |
| Noninterest income to average assets | 0.6784% | 2,658 |
| Noninterest expense to average assets | 2.8951% | 3,385 |
| Loan and lease loss provision to assets | 0.2289% | 1,585 |
| Net operating income to assets | 1.0280% | 2,210 |
| Return on assets (ROA) | 1.0280% | 2,271 |
| Pretax return on assets | 1.5160% | 1,393 |
| Return on Equity (ROE) | 8.7689% | 2,660 |
| Retained earnings to average equity (ytd only) | 7.9346% | 1,077 |
| Net charge-offs to loans | 0.1683% | 3,136 |
| Credit loss provision to net charge-offs | 190.4762% | 1,199 |
| Earnings coverage of net charge-offs (x) | 14.5195% | 1,936 |
| Efficiency ratio | 62.3837% | 5,142 |
| Assets per employee ($millions) | 2.9352% | 5,929 |
| Cash dividends to net income (ytd only)* | 9.5142% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 2,289 |
| Loan loss allowance to noncurrent loans | 1,706.0403% | 338 |
| Noncurrent assets plus other real estate owned to assets | 2.7103% | 1,231 |
| Noncurrent loans to loans | 0.1016% | 5,908 |
| Net loans and leases to total assets | 73.2792% | 1,475 |
| Net loans and leases to deposits | 85.6389% | 1,728 |
| Net loans and leases to core deposits | 90.6323% | 1,948 |
| Total domestic deposits to total assets | 85.5677% | 3,476 |
| Equity capital to assets | 11.8303% | 1,922 |
| Core capital (leverage) ratio | 11.4052% | 2,032 |
| Tier 1 risk-based capital ratio | 15.8706% | 3,164 |
| Total risk-based capital ratio | 17.1269% | 3,119 |
| Memoranda: | ||
| Average total assets | $192,221,200 | 3,123 |
| Average earning assets | $172,391,000 | 3,184 |
| Average equity | $22,534,200 | 2,876 |
| Average total loans | $137,270,200 | 2,745 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,674 |
| Cost of funding earning assets | 0.5207% | 3,557 |
| Net interest margin | 4.1503% | 1,481 |
| Noninterest income to average assets | 0.6209% | 3,034 |
| Noninterest expense to average assets | 2.7536% | 3,819 |
| Loan and lease loss provision to assets | 0.2512% | 1,419 |
| Net operating income to assets | 0.9139% | 2,761 |
| Return on assets (ROA) | 0.9139% | 2,867 |
| Pretax return on assets | 1.3527% | 2,110 |
| Return on Equity (ROE) | 7.8143% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.8063% | 1,969 |
| Net charge-offs to loans | 0.0020% | 5,177 |
| Credit loss provision to net charge-offs | 18,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,148.0375% | 34 |
| Efficiency ratio | 63.1924% | 4,949 |
| Assets per employee ($millions) | 3.1786% | 5,540 |
| Cash dividends to net income (ytd only)* | 12.9009% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,893 |
| Loan loss allowance to noncurrent loans | 237.5110% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 2.6661% | 1,414 |
| Noncurrent loans to loans | 0.6846% | 4,486 |
| Net loans and leases to total assets | 76.4452% | 949 |
| Net loans and leases to deposits | 101.1098% | 424 |
| Net loans and leases to core deposits | 107.4841% | 686 |
| Total domestic deposits to total assets | 75.6061% | 6,210 |
| Equity capital to assets | 10.6547% | 3,111 |
| Core capital (leverage) ratio | 12.2038% | 1,562 |
| Tier 1 risk-based capital ratio | 14.5920% | 4,020 |
| Total risk-based capital ratio | 15.8476% | 3,968 |
| Memoranda: | ||
| Average total assets | $191,112,500 | 3,165 |
| Average earning assets | $172,064,500 | 3,217 |
| Average equity | $22,351,500 | 2,919 |
| Average total loans | $134,925,250 | 2,788 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 2,012 |
| Cost of funding earning assets | 0.5688% | 3,229 |
| Net interest margin | 3.9874% | 1,908 |
| Noninterest income to average assets | 0.7115% | 2,585 |
| Noninterest expense to average assets | 2.7732% | 3,768 |
| Loan and lease loss provision to assets | 0.2611% | 1,420 |
| Net operating income to assets | 0.8617% | 2,985 |
| Return on assets (ROA) | 0.8617% | 3,139 |
| Pretax return on assets | 1.2621% | 2,436 |
| Return on Equity (ROE) | 7.1228% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.6029% | 2,673 |
| Net charge-offs to loans | -0.0064% | 5,684 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5480% | 4,783 |
| Assets per employee ($millions) | 2.9826% | 5,881 |
| Cash dividends to net income (ytd only)* | 21.3384% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,970 |
| Loan loss allowance to noncurrent loans | 267.2199% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 3.5719% | 1,054 |
| Noncurrent loans to loans | 0.7291% | 4,466 |
| Net loans and leases to total assets | 72.4466% | 1,496 |
| Net loans and leases to deposits | 85.1578% | 1,662 |
| Net loans and leases to core deposits | 88.9034% | 2,013 |
| Total domestic deposits to total assets | 85.0733% | 3,859 |
| Equity capital to assets | 12.4485% | 1,611 |
| Core capital (leverage) ratio | 12.4030% | 1,407 |
| Tier 1 risk-based capital ratio | 17.9018% | 2,349 |
| Total risk-based capital ratio | 19.1615% | 2,313 |
| Memoranda: | ||
| Average total assets | $183,827,670 | 3,278 |
| Average earning assets | $165,271,000 | 3,323 |
| Average equity | $22,238,330 | 2,956 |
| Average total loans | $124,735,670 | 2,974 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,795 |
| Cost of funding earning assets | 0.5885% | 3,223 |
| Net interest margin | 3.7340% | 2,719 |
| Noninterest income to average assets | 0.6314% | 2,971 |
| Noninterest expense to average assets | 2.7638% | 3,819 |
| Loan and lease loss provision to assets | 0.2577% | 1,382 |
| Net operating income to assets | 0.6829% | 3,768 |
| Return on assets (ROA) | 0.6829% | 3,921 |
| Pretax return on assets | 0.9621% | 3,516 |
| Return on Equity (ROE) | 5.7248% | 4,192 |
| Retained earnings to average equity (ytd only) | 2.6824% | 4,679 |
| Net charge-offs to loans | -0.0033% | 5,207 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3801% | 4,081 |
| Assets per employee ($millions) | 3.1903% | 5,650 |
| Cash dividends to net income (ytd only)* | 53.1447% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 1,789 |
| Loan loss allowance to noncurrent loans | 128.1462% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 3.3890% | 1,277 |
| Noncurrent loans to loans | 1.6407% | 3,080 |
| Net loans and leases to total assets | 60.7038% | 3,307 |
| Net loans and leases to deposits | 70.6143% | 3,374 |
| Net loans and leases to core deposits | 74.0498% | 3,570 |
| Total domestic deposits to total assets | 85.9654% | 3,540 |
| Equity capital to assets | 11.8261% | 2,155 |
| Core capital (leverage) ratio | 12.0218% | 1,550 |
| Tier 1 risk-based capital ratio | 19.7145% | 1,845 |
| Total risk-based capital ratio | 20.9760% | 1,813 |
| Memoranda: | ||
| Average total assets | $186,264,500 | 3,282 |
| Average earning assets | $167,218,000 | 3,321 |
| Average equity | $22,219,000 | 3,002 |
| Average total loans | $120,992,500 | 3,068 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 875 |
| Cost of funding earning assets | 0.7614% | 3,003 |
| Net interest margin | 4.5685% | 828 |
| Noninterest income to average assets | 0.4167% | 4,476 |
| Noninterest expense to average assets | 2.8641% | 3,793 |
| Loan and lease loss provision to assets | 0.4643% | 1,349 |
| Net operating income to assets | 0.8023% | 3,278 |
| Return on assets (ROA) | 0.8031% | 3,526 |
| Pretax return on assets | 1.1585% | 2,957 |
| Return on Equity (ROE) | 6.7489% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.7317% | 2,231 |
| Net charge-offs to loans | 0.6872% | 1,720 |
| Credit loss provision to net charge-offs | 92.0044% | 3,391 |
| Earnings coverage of net charge-offs (x) | 3.2136% | 3,824 |
| Efficiency ratio | 63.8492% | 4,911 |
| Assets per employee ($millions) | 3.0717% | 5,900 |
| Cash dividends to net income (ytd only)* | 15.0723% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 2,412 |
| Loan loss allowance to noncurrent loans | 157.2102% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 3.2523% | 1,419 |
| Noncurrent loans to loans | 1.1846% | 3,876 |
| Net loans and leases to total assets | 66.7041% | 2,421 |
| Net loans and leases to deposits | 76.7881% | 2,684 |
| Net loans and leases to core deposits | 80.7521% | 2,910 |
| Total domestic deposits to total assets | 86.8677% | 2,902 |
| Equity capital to assets | 12.0335% | 2,026 |
| Core capital (leverage) ratio | 12.1101% | 1,503 |
| Tier 1 risk-based capital ratio | 17.5751% | 2,430 |
| Total risk-based capital ratio | 18.8323% | 2,394 |
| Memoranda: | ||
| Average total assets | $180,929,600 | 3,302 |
| Average earning assets | $161,147,200 | 3,363 |
| Average equity | $21,529,400 | 3,035 |
| Average total loans | $132,860,800 | 2,830 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 1,003 |
| Cost of funding earning assets | 0.7945% | 2,992 |
| Net interest margin | 4.5109% | 969 |
| Noninterest income to average assets | 0.5804% | 3,402 |
| Noninterest expense to average assets | 2.8171% | 3,926 |
| Loan and lease loss provision to assets | 0.5109% | 1,192 |
| Net operating income to assets | 0.8711% | 3,123 |
| Return on assets (ROA) | 0.8722% | 3,364 |
| Pretax return on assets | 1.2683% | 2,717 |
| Return on Equity (ROE) | 7.3506% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.9841% | 2,705 |
| Net charge-offs to loans | 1.1259% | 893 |
| Credit loss provision to net charge-offs | 60.6327% | 4,132 |
| Earnings coverage of net charge-offs (x) | 2.1098% | 4,214 |
| Efficiency ratio | 61.3116% | 5,260 |
| Assets per employee ($millions) | 3.1355% | 5,769 |
| Cash dividends to net income (ytd only)* | 18.5906% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,537 |
| Loan loss allowance to noncurrent loans | 55.6092% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 4.7122% | 964 |
| Noncurrent loans to loans | 2.4486% | 2,349 |
| Net loans and leases to total assets | 75.3945% | 1,062 |
| Net loans and leases to deposits | 90.7775% | 1,070 |
| Net loans and leases to core deposits | 96.7333% | 1,347 |
| Total domestic deposits to total assets | 83.0542% | 4,623 |
| Equity capital to assets | 11.6606% | 2,582 |
| Core capital (leverage) ratio | 12.0921% | 1,599 |
| Tier 1 risk-based capital ratio | 15.4149% | 3,592 |
| Total risk-based capital ratio | 16.6663% | 3,544 |
| Memoranda: | ||
| Average total assets | $180,086,500 | 3,348 |
| Average earning assets | $160,260,500 | 3,413 |
| Average equity | $21,367,250 | 3,083 |
| Average total loans | $134,758,500 | 2,829 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 1,300 |
| Cost of funding earning assets | 0.8470% | 2,820 |
| Net interest margin | 4.3365% | 1,376 |
| Noninterest income to average assets | 0.5806% | 3,376 |
| Noninterest expense to average assets | 2.8635% | 3,773 |
| Loan and lease loss provision to assets | 0.6088% | 970 |
| Net operating income to assets | 0.6895% | 3,923 |
| Return on assets (ROA) | 0.6911% | 4,179 |
| Pretax return on assets | 0.9718% | 3,812 |
| Return on Equity (ROE) | 5.7892% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.7210% | 4,121 |
| Net charge-offs to loans | 0.4812% | 2,144 |
| Credit loss provision to net charge-offs | 170.3470% | 1,644 |
| Earnings coverage of net charge-offs (x) | 4.4164% | 3,092 |
| Efficiency ratio | 64.4670% | 4,806 |
| Assets per employee ($millions) | 2.8786% | 6,269 |
| Cash dividends to net income (ytd only)* | 35.7259% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 2,540 |
| Loan loss allowance to noncurrent loans | 60.5063% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 5.4512% | 824 |
| Noncurrent loans to loans | 3.1488% | 1,856 |
| Net loans and leases to total assets | 75.8424% | 987 |
| Net loans and leases to deposits | 86.7497% | 1,512 |
| Net loans and leases to core deposits | 93.2443% | 1,667 |
| Total domestic deposits to total assets | 87.4267% | 2,519 |
| Equity capital to assets | 11.9765% | 2,168 |
| Core capital (leverage) ratio | 11.7901% | 1,734 |
| Tier 1 risk-based capital ratio | 15.6292% | 3,375 |
| Total risk-based capital ratio | 16.8878% | 3,329 |
| Memoranda: | ||
| Average total assets | $177,405,670 | 3,402 |
| Average earning assets | $157,960,670 | 3,464 |
| Average equity | $21,177,330 | 3,095 |
| Average total loans | $131,745,670 | 2,897 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2310% | 1,252 |
| Cost of funding earning assets | 0.8820% | 2,821 |
| Net interest margin | 4.3489% | 1,336 |
| Noninterest income to average assets | 0.7576% | 2,362 |
| Noninterest expense to average assets | 2.8314% | 3,895 |
| Loan and lease loss provision to assets | 0.3392% | 1,844 |
| Net operating income to assets | 0.9830% | 2,542 |
| Return on assets (ROA) | 0.9860% | 2,727 |
| Pretax return on assets | 1.4496% | 2,020 |
| Return on Equity (ROE) | 8.2738% | 3,158 |
| Retained earnings to average equity (ytd only) | 5.0668% | 3,515 |
| Net charge-offs to loans | -0.0187% | 6,162 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3425% | 5,393 |
| Assets per employee ($millions) | 2.9602% | 6,237 |
| Cash dividends to net income (ytd only)* | 38.7615% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 2,228 |
| Loan loss allowance to noncurrent loans | 145.1558% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 4.0261% | 1,363 |
| Noncurrent loans to loans | 1.4083% | 3,995 |
| Net loans and leases to total assets | 67.9847% | 2,123 |
| Net loans and leases to deposits | 77.5742% | 2,583 |
| Net loans and leases to core deposits | 82.9938% | 2,691 |
| Total domestic deposits to total assets | 87.6382% | 2,565 |
| Equity capital to assets | 11.7293% | 2,240 |
| Core capital (leverage) ratio | 12.0760% | 1,545 |
| Tier 1 risk-based capital ratio | 16.6188% | 2,859 |
| Total risk-based capital ratio | 17.8781% | 2,812 |
| Memoranda: | ||
| Average total assets | $176,871,500 | 3,425 |
| Average earning assets | $156,912,000 | 3,495 |
| Average equity | $21,078,500 | 3,097 |
| Average total loans | $128,624,500 | 2,967 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 962 |
| Cost of funding earning assets | 0.9806% | 3,511 |
| Net interest margin | 4.6160% | 889 |
| Noninterest income to average assets | 0.4014% | 4,603 |
| Noninterest expense to average assets | 2.9172% | 3,893 |
| Loan and lease loss provision to assets | 0.7432% | 1,362 |
| Net operating income to assets | 0.6286% | 3,837 |
| Return on assets (ROA) | 0.6273% | 4,046 |
| Pretax return on assets | 0.8356% | 3,845 |
| Return on Equity (ROE) | 5.0944% | 4,345 |
| Retained earnings to average equity (ytd only) | 1.6063% | 5,064 |
| Net charge-offs to loans | 0.4874% | 3,043 |
| Credit loss provision to net charge-offs | 204.5089% | 1,216 |
| Earnings coverage of net charge-offs (x) | 4.3494% | 3,156 |
| Efficiency ratio | 64.8582% | 4,971 |
| Assets per employee ($millions) | 2.9351% | 6,218 |
| Cash dividends to net income (ytd only)* | 68.4701% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 2,793 |
| Loan loss allowance to noncurrent loans | 267.6307% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 3.7472% | 1,554 |
| Noncurrent loans to loans | 0.6814% | 5,337 |
| Net loans and leases to total assets | 74.7930% | 1,128 |
| Net loans and leases to deposits | 85.7401% | 1,699 |
| Net loans and leases to core deposits | 90.2326% | 2,093 |
| Total domestic deposits to total assets | 87.2322% | 2,625 |
| Equity capital to assets | 12.1135% | 2,036 |
| Core capital (leverage) ratio | 11.7769% | 1,722 |
| Tier 1 risk-based capital ratio | 16.2946% | 2,910 |
| Total risk-based capital ratio | 17.5521% | 2,876 |
| Memoranda: | ||
| Average total assets | $170,885,600 | 3,475 |
| Average earning assets | $151,647,800 | 3,560 |
| Average equity | $21,042,600 | 3,006 |
| Average total loans | $127,399,200 | 3,031 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5244% | 1,196 |
| Cost of funding earning assets | 1.0128% | 3,591 |
| Net interest margin | 4.5117% | 1,117 |
| Noninterest income to average assets | 0.6239% | 3,034 |
| Noninterest expense to average assets | 2.8449% | 4,169 |
| Loan and lease loss provision to assets | 0.8533% | 1,071 |
| Net operating income to assets | 0.6930% | 3,657 |
| Return on assets (ROA) | 0.6913% | 3,836 |
| Pretax return on assets | 0.9410% | 3,615 |
| Return on Equity (ROE) | 5.5905% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.5905% | 2,800 |
| Net charge-offs to loans | 0.6441% | 2,318 |
| Credit loss provision to net charge-offs | 178.6885% | 1,667 |
| Earnings coverage of net charge-offs (x) | 3.7623% | 3,307 |
| Efficiency ratio | 61.2920% | 5,520 |
| Assets per employee ($millions) | 2.9953% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 3,886 |
| Loan loss allowance to noncurrent loans | 81.8215% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 3.9226% | 1,570 |
| Noncurrent loans to loans | 1.8952% | 3,509 |
| Net loans and leases to total assets | 77.7315% | 737 |
| Net loans and leases to deposits | 101.1099% | 422 |
| Net loans and leases to core deposits | 107.2770% | 799 |
| Total domestic deposits to total assets | 76.8782% | 6,394 |
| Equity capital to assets | 11.7864% | 2,420 |
| Core capital (leverage) ratio | 12.0548% | 1,674 |
| Tier 1 risk-based capital ratio | 15.5276% | 3,370 |
| Total risk-based capital ratio | 16.7822% | 3,327 |
| Memoranda: | ||
| Average total assets | $170,314,500 | 3,512 |
| Average earning assets | $151,661,500 | 3,574 |
| Average equity | $21,059,000 | 3,001 |
| Average total loans | $126,267,750 | 3,073 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3354% | 1,766 |
| Cost of funding earning assets | 1.0546% | 3,569 |
| Net interest margin | 4.2808% | 1,731 |
| Noninterest income to average assets | 0.6258% | 2,972 |
| Noninterest expense to average assets | 2.8643% | 4,167 |
| Loan and lease loss provision to assets | 0.4333% | 2,261 |
| Net operating income to assets | 0.8077% | 3,036 |
| Return on assets (ROA) | 0.8051% | 3,174 |
| Pretax return on assets | 1.1253% | 2,750 |
| Return on Equity (ROE) | 6.4018% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.4018% | 2,188 |
| Net charge-offs to loans | 0.1064% | 4,620 |
| Credit loss provision to net charge-offs | 562.5000% | 550 |
| Earnings coverage of net charge-offs (x) | 20.2813% | 1,193 |
| Efficiency ratio | 64.7091% | 5,107 |
| Assets per employee ($millions) | 2.8747% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 3,875 |
| Loan loss allowance to noncurrent loans | 74.1423% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 4.3282% | 1,468 |
| Noncurrent loans to loans | 2.0989% | 3,355 |
| Net loans and leases to total assets | 76.5732% | 988 |
| Net loans and leases to deposits | 90.1478% | 1,253 |
| Net loans and leases to core deposits | 96.2365% | 1,655 |
| Total domestic deposits to total assets | 84.9418% | 3,900 |
| Equity capital to assets | 12.5618% | 1,746 |
| Core capital (leverage) ratio | 12.8119% | 1,242 |
| Tier 1 risk-based capital ratio | 16.5293% | 2,727 |
| Total risk-based capital ratio | 17.7835% | 2,679 |
| Memoranda: | ||
| Average total assets | $166,182,330 | 3,596 |
| Average earning assets | $147,543,000 | 3,660 |
| Average equity | $20,900,330 | 3,017 |
| Average total loans | $120,270,000 | 3,224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 2,778 |
| Cost of funding earning assets | 1.0787% | 3,662 |
| Net interest margin | 3.9910% | 2,721 |
| Noninterest income to average assets | 0.6275% | 2,988 |
| Noninterest expense to average assets | 2.8650% | 4,214 |
| Loan and lease loss provision to assets | 0.4378% | 2,016 |
| Net operating income to assets | 0.6378% | 3,817 |
| Return on assets (ROA) | 0.6396% | 3,877 |
| Pretax return on assets | 0.8634% | 3,651 |
| Return on Equity (ROE) | 5.0827% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.0827% | 3,131 |
| Net charge-offs to loans | 0.2971% | 2,862 |
| Credit loss provision to net charge-offs | 211.7647% | 1,417 |
| Earnings coverage of net charge-offs (x) | 6.2824% | 2,125 |
| Efficiency ratio | 68.8084% | 4,510 |
| Assets per employee ($millions) | 2.7944% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 3,659 |
| Loan loss allowance to noncurrent loans | 56.5496% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 4.8165% | 1,321 |
| Noncurrent loans to loans | 2.8627% | 2,633 |
| Net loans and leases to total assets | 68.2649% | 2,493 |
| Net loans and leases to deposits | 78.9242% | 2,908 |
| Net loans and leases to core deposits | 83.7561% | 3,193 |
| Total domestic deposits to total assets | 86.4943% | 3,238 |
| Equity capital to assets | 12.6317% | 1,559 |
| Core capital (leverage) ratio | 12.7182% | 1,229 |
| Tier 1 risk-based capital ratio | 18.5622% | 1,938 |
| Total risk-based capital ratio | 19.8168% | 1,895 |
| Memoranda: | ||
| Average total assets | $164,469,000 | 3,639 |
| Average earning assets | $145,729,500 | 3,716 |
| Average equity | $20,697,500 | 3,026 |
| Average total loans | $114,441,000 | 3,379 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4303% | 2,546 |
| Cost of funding earning assets | 1.3415% | 3,636 |
| Net interest margin | 4.0888% | 2,623 |
| Noninterest income to average assets | 0.6351% | 3,245 |
| Noninterest expense to average assets | 2.9955% | 3,863 |
| Loan and lease loss provision to assets | 0.9696% | 1,668 |
| Net operating income to assets | 0.4508% | 4,315 |
| Return on assets (ROA) | 0.2257% | 5,350 |
| Pretax return on assets | 0.1223% | 5,658 |
| Return on Equity (ROE) | 1.8757% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.8757% | 4,549 |
| Net charge-offs to loans | 2.2908% | 845 |
| Credit loss provision to net charge-offs | 58.9440% | 6,099 |
| Earnings coverage of net charge-offs (x) | 0.8006% | 5,327 |
| Efficiency ratio | 69.4616% | 4,288 |
| Assets per employee ($millions) | 2.9830% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,840 |
| Loan loss allowance to noncurrent loans | 102.7485% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 4.0563% | 1,672 |
| Noncurrent loans to loans | 1.4937% | 4,236 |
| Net loans and leases to total assets | 68.7061% | 2,812 |
| Net loans and leases to deposits | 79.3205% | 3,289 |
| Net loans and leases to core deposits | 84.0171% | 3,593 |
| Total domestic deposits to total assets | 86.6183% | 3,019 |
| Equity capital to assets | 12.5370% | 1,612 |
| Core capital (leverage) ratio | 12.4044% | 1,344 |
| Tier 1 risk-based capital ratio | 18.1565% | 1,951 |
| Total risk-based capital ratio | 19.4099% | 1,914 |
| Memoranda: | ||
| Average total assets | $169,253,600 | 3,551 |
| Average earning assets | $152,219,000 | 3,600 |
| Average equity | $20,366,000 | 3,097 |
| Average total loans | $121,529,400 | 3,291 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 2,756 |
| Cost of funding earning assets | 1.3708% | 3,776 |
| Net interest margin | 4.0561% | 2,829 |
| Noninterest income to average assets | 0.5926% | 3,492 |
| Noninterest expense to average assets | 2.9949% | 3,764 |
| Loan and lease loss provision to assets | 1.1508% | 1,261 |
| Net operating income to assets | 0.2001% | 5,512 |
| Return on assets (ROA) | 0.2142% | 5,630 |
| Pretax return on assets | 0.1274% | 5,872 |
| Return on Equity (ROE) | 1.7983% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.7983% | 5,063 |
| Net charge-offs to loans | 1.7022% | 1,151 |
| Credit loss provision to net charge-offs | 93.5197% | 4,640 |
| Earnings coverage of net charge-offs (x) | 1.0273% | 5,030 |
| Efficiency ratio | 70.3194% | 4,002 |
| Assets per employee ($millions) | 2.9316% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1973% | 1,815 |
| Loan loss allowance to noncurrent loans | 60.6021% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 5.1441% | 1,241 |
| Noncurrent loans to loans | 3.6258% | 2,155 |
| Net loans and leases to total assets | 75.8607% | 1,437 |
| Net loans and leases to deposits | 87.8316% | 2,032 |
| Net loans and leases to core deposits | 93.0980% | 2,649 |
| Total domestic deposits to total assets | 86.3707% | 2,875 |
| Equity capital to assets | 12.5140% | 1,848 |
| Core capital (leverage) ratio | 12.3811% | 1,466 |
| Tier 1 risk-based capital ratio | 16.7119% | 2,459 |
| Total risk-based capital ratio | 17.9742% | 2,414 |
| Memoranda: | ||
| Average total assets | $170,550,250 | 3,569 |
| Average earning assets | $154,167,000 | 3,618 |
| Average equity | $20,315,250 | 3,146 |
| Average total loans | $123,291,500 | 3,299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2222% | 3,838 |
| Cost of funding earning assets | 1.4013% | 3,865 |
| Net interest margin | 3.8209% | 3,806 |
| Noninterest income to average assets | 0.5652% | 3,583 |
| Noninterest expense to average assets | 2.9581% | 3,860 |
| Loan and lease loss provision to assets | 1.4096% | 949 |
| Net operating income to assets | -0.0886% | 6,212 |
| Return on assets (ROA) | -0.0753% | 6,280 |
| Pretax return on assets | -0.3139% | 6,445 |
| Return on Equity (ROE) | -0.6423% | 6,280 |
| Retained earnings to average equity (ytd only) | -0.6423% | 5,889 |
| Net charge-offs to loans | 1.1628% | 1,630 |
| Credit loss provision to net charge-offs | 171.6502% | 2,272 |
| Earnings coverage of net charge-offs (x) | 1.3089% | 4,520 |
| Efficiency ratio | 73.3487% | 3,588 |
| Assets per employee ($millions) | 2.9009% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7267% | 1,063 |
| Loan loss allowance to noncurrent loans | 62.0765% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 4.0174% | 1,716 |
| Noncurrent loans to loans | 4.3924% | 1,673 |
| Net loans and leases to total assets | 73.5271% | 2,019 |
| Net loans and leases to deposits | 85.0680% | 2,692 |
| Net loans and leases to core deposits | 90.2980% | 3,211 |
| Total domestic deposits to total assets | 86.4333% | 2,857 |
| Equity capital to assets | 12.2344% | 1,958 |
| Core capital (leverage) ratio | 12.1462% | 1,565 |
| Tier 1 risk-based capital ratio | 17.1467% | 2,219 |
| Total risk-based capital ratio | 18.4169% | 2,173 |
| Memoranda: | ||
| Average total assets | $172,677,670 | 3,558 |
| Average earning assets | $156,716,330 | 3,582 |
| Average equity | $20,239,000 | 3,146 |
| Average total loans | $121,943,000 | 3,366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 4,858 |
| Cost of funding earning assets | 1.4614% | 3,799 |
| Net interest margin | 3.5734% | 4,842 |
| Noninterest income to average assets | 0.5898% | 3,342 |
| Noninterest expense to average assets | 2.9080% | 4,030 |
| Loan and lease loss provision to assets | 0.5603% | 2,260 |
| Net operating income to assets | 0.3334% | 5,151 |
| Return on assets (ROA) | 0.3334% | 5,276 |
| Pretax return on assets | 0.3607% | 5,414 |
| Return on Equity (ROE) | 2.9046% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.9046% | 4,389 |
| Net charge-offs to loans | -0.1927% | 7,669 |
| Credit loss provision to net charge-offs | -425.8621% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9479% | 3,226 |
| Assets per employee ($millions) | 2.9638% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6821% | 1,098 |
| Loan loss allowance to noncurrent loans | 55.1066% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 3.9040% | 1,767 |
| Noncurrent loans to loans | 4.8670% | 1,500 |
| Net loans and leases to total assets | 67.6511% | 3,476 |
| Net loans and leases to deposits | 77.5318% | 4,121 |
| Net loans and leases to core deposits | 82.8056% | 4,382 |
| Total domestic deposits to total assets | 87.2560% | 2,497 |
| Equity capital to assets | 11.8394% | 2,140 |
| Core capital (leverage) ratio | 11.8656% | 1,713 |
| Tier 1 risk-based capital ratio | 17.9876% | 1,946 |
| Total risk-based capital ratio | 19.2568% | 1,912 |
| Memoranda: | ||
| Average total assets | $176,339,500 | 3,555 |
| Average earning assets | $159,847,500 | 3,569 |
| Average equity | $20,243,500 | 3,174 |
| Average total loans | $120,420,500 | 3,458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 3,993 |
| Cost of funding earning assets | 1.9604% | 3,151 |
| Net interest margin | 3.5687% | 4,658 |
| Noninterest income to average assets | 0.6272% | 3,446 |
| Noninterest expense to average assets | 2.9266% | 4,434 |
| Loan and lease loss provision to assets | 1.8839% | 1,183 |
| Net operating income to assets | -0.4704% | 6,150 |
| Return on assets (ROA) | -0.4172% | 6,096 |
| Pretax return on assets | -0.8311% | 6,292 |
| Return on Equity (ROE) | -3.6116% | 6,070 |
| Retained earnings to average equity (ytd only) | -4.4318% | 5,931 |
| Net charge-offs to loans | 2.3572% | 977 |
| Credit loss provision to net charge-offs | 111.5120% | 4,924 |
| Earnings coverage of net charge-offs (x) | 0.5740% | 5,532 |
| Efficiency ratio | 75.1138% | 3,685 |
| Assets per employee ($millions) | 3.1169% | 5,950 |
| Cash dividends to net income (ytd only)* | -22.7092% | 7,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3899% | 1,360 |
| Loan loss allowance to noncurrent loans | 65.0662% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.9849% | 2,349 |
| Noncurrent loans to loans | 3.6731% | 2,047 |
| Net loans and leases to total assets | 65.5185% | 4,274 |
| Net loans and leases to deposits | 74.4976% | 4,952 |
| Net loans and leases to core deposits | 97.0121% | 4,347 |
| Total domestic deposits to total assets | 87.9471% | 1,994 |
| Equity capital to assets | 11.1380% | 2,595 |
| Core capital (leverage) ratio | 11.2854% | 2,057 |
| Tier 1 risk-based capital ratio | 17.4072% | 2,053 |
| Total risk-based capital ratio | 18.6728% | 2,004 |
| Memoranda: | ||
| Average total assets | $180,481,200 | 3,430 |
| Average earning assets | $165,324,400 | 3,414 |
| Average equity | $20,849,200 | 3,091 |
| Average total loans | $129,346,400 | 3,285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 3,567 |
| Cost of funding earning assets | 1.9927% | 3,394 |
| Net interest margin | 3.6587% | 4,237 |
| Noninterest income to average assets | 0.6156% | 3,582 |
| Noninterest expense to average assets | 2.9969% | 4,052 |
| Loan and lease loss provision to assets | 1.6259% | 1,155 |
| Net operating income to assets | -0.3099% | 6,214 |
| Return on assets (ROA) | -0.2395% | 6,131 |
| Pretax return on assets | -0.5373% | 6,345 |
| Return on Equity (ROE) | -2.0544% | 6,105 |
| Retained earnings to average equity (ytd only) | -3.1386% | 5,963 |
| Net charge-offs to loans | 0.6700% | 2,685 |
| Credit loss provision to net charge-offs | 333.3333% | 1,233 |
| Earnings coverage of net charge-offs (x) | 2.0061% | 4,316 |
| Efficiency ratio | 75.3858% | 3,618 |
| Assets per employee ($millions) | 2.9426% | 6,296 |
| Cash dividends to net income (ytd only)* | -52.7767% | 7,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0361% | 651 |
| Loan loss allowance to noncurrent loans | 89.2016% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 3.1137% | 2,199 |
| Noncurrent loans to loans | 3.4037% | 2,212 |
| Net loans and leases to total assets | 72.7519% | 2,853 |
| Net loans and leases to deposits | 83.5069% | 3,731 |
| Net loans and leases to core deposits | 111.0422% | 3,123 |
| Total domestic deposits to total assets | 87.1208% | 2,120 |
| Equity capital to assets | 11.5165% | 2,567 |
| Core capital (leverage) ratio | 11.4023% | 2,120 |
| Tier 1 risk-based capital ratio | 16.3586% | 2,489 |
| Total risk-based capital ratio | 17.6317% | 2,420 |
| Memoranda: | ||
| Average total assets | $180,407,000 | 3,463 |
| Average earning assets | $165,666,500 | 3,453 |
| Average equity | $21,027,750 | 3,095 |
| Average total loans | $131,347,250 | 3,271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 4,566 |
| Cost of funding earning assets | 2.0053% | 3,747 |
| Net interest margin | 3.5051% | 4,773 |
| Noninterest income to average assets | 0.6585% | 3,276 |
| Noninterest expense to average assets | 3.0546% | 3,864 |
| Loan and lease loss provision to assets | 0.8854% | 1,905 |
| Net operating income to assets | 0.0626% | 5,672 |
| Return on assets (ROA) | 0.0697% | 5,742 |
| Pretax return on assets | -0.0476% | 5,935 |
| Return on Equity (ROE) | 0.5958% | 5,757 |
| Retained earnings to average equity (ytd only) | -1.0215% | 5,491 |
| Net charge-offs to loans | 0.8646% | 1,963 |
| Credit loss provision to net charge-offs | 142.0959% | 3,273 |
| Earnings coverage of net charge-offs (x) | 1.3268% | 4,527 |
| Efficiency ratio | 78.6997% | 3,236 |
| Assets per employee ($millions) | 2.8941% | 6,406 |
| Cash dividends to net income (ytd only)* | 271.4286% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,313 |
| Loan loss allowance to noncurrent loans | 71.5092% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.5655% | 2,516 |
| Noncurrent loans to loans | 3.0094% | 2,399 |
| Net loans and leases to total assets | 68.3909% | 4,087 |
| Net loans and leases to deposits | 78.4023% | 4,801 |
| Net loans and leases to core deposits | 105.3324% | 3,916 |
| Total domestic deposits to total assets | 87.2307% | 2,138 |
| Equity capital to assets | 11.3818% | 2,612 |
| Core capital (leverage) ratio | 11.4693% | 2,104 |
| Tier 1 risk-based capital ratio | 16.8922% | 2,333 |
| Total risk-based capital ratio | 18.1545% | 2,283 |
| Memoranda: | ||
| Average total assets | $180,709,670 | 3,469 |
| Average earning assets | $166,159,670 | 3,458 |
| Average equity | $21,146,330 | 3,076 |
| Average total loans | $130,237,000 | 3,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 4,809 |
| Cost of funding earning assets | 2.0066% | 4,094 |
| Net interest margin | 3.5133% | 4,675 |
| Noninterest income to average assets | 0.6321% | 3,338 |
| Noninterest expense to average assets | 3.0664% | 3,503 |
| Loan and lease loss provision to assets | 0.6724% | 1,880 |
| Net operating income to assets | 0.1435% | 5,841 |
| Return on assets (ROA) | 0.1435% | 6,012 |
| Pretax return on assets | 0.1076% | 6,149 |
| Return on Equity (ROE) | 1.2088% | 6,067 |
| Retained earnings to average equity (ytd only) | -2.0209% | 6,109 |
| Net charge-offs to loans | 1.3137% | 1,069 |
| Credit loss provision to net charge-offs | 69.9301% | 4,355 |
| Earnings coverage of net charge-offs (x) | 0.8112% | 4,381 |
| Efficiency ratio | 79.7203% | 2,857 |
| Assets per employee ($millions) | 2.8350% | 6,564 |
| Cash dividends to net income (ytd only)* | 267.1875% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,558 |
| Loan loss allowance to noncurrent loans | 70.4803% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 3.5594% | 1,501 |
| Noncurrent loans to loans | 2.7382% | 2,390 |
| Net loans and leases to total assets | 67.8070% | 4,184 |
| Net loans and leases to deposits | 77.9106% | 4,936 |
| Net loans and leases to core deposits | 106.5492% | 3,846 |
| Total domestic deposits to total assets | 87.0319% | 2,202 |
| Equity capital to assets | 11.6327% | 2,491 |
| Core capital (leverage) ratio | 11.8532% | 1,972 |
| Tier 1 risk-based capital ratio | 17.1668% | 2,291 |
| Total risk-based capital ratio | 18.4260% | 2,224 |
| Memoranda: | ||
| Average total assets | $178,452,000 | 3,535 |
| Average earning assets | $163,265,000 | 3,523 |
| Average equity | $21,178,500 | 3,095 |
| Average total loans | $130,624,000 | 3,346 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7784% | 1,757 |
| Cost of funding earning assets | 2.2611% | 5,333 |
| Net interest margin | 4.5173% | 1,379 |
| Noninterest income to average assets | 0.7296% | 2,910 |
| Noninterest expense to average assets | 3.2783% | 3,043 |
| Loan and lease loss provision to assets | 0.1552% | 5,375 |
| Net operating income to assets | 0.9930% | 2,586 |
| Return on assets (ROA) | 0.9946% | 2,459 |
| Pretax return on assets | 1.4414% | 1,847 |
| Return on Equity (ROE) | 8.1895% | 2,986 |
| Retained earnings to average equity (ytd only) | 0.6296% | 4,859 |
| Net charge-offs to loans | -0.0007% | 7,720 |
| Credit loss provision to net charge-offs | -27,000.0000% | 7,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2802% | 4,856 |
| Assets per employee ($millions) | 2.6995% | 6,785 |
| Cash dividends to net income (ytd only)* | 92.3121% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 1,470 |
| Loan loss allowance to noncurrent loans | 116.7659% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5530% | 3,119 |
| Noncurrent loans to loans | 1.6075% | 3,356 |
| Net loans and leases to total assets | 75.9408% | 2,639 |
| Net loans and leases to deposits | 97.2685% | 2,238 |
| Net loans and leases to core deposits | 124.6595% | 2,277 |
| Total domestic deposits to total assets | 78.0734% | 5,691 |
| Equity capital to assets | 12.1111% | 2,221 |
| Core capital (leverage) ratio | 11.6406% | 2,165 |
| Tier 1 risk-based capital ratio | 16.0311% | 2,655 |
| Total risk-based capital ratio | 17.2896% | 2,593 |
| Memoranda: | ||
| Average total assets | $173,934,000 | 3,493 |
| Average earning assets | $159,520,600 | 3,480 |
| Average equity | $21,124,600 | 3,082 |
| Average total loans | $133,493,600 | 3,207 |