Home > Exchange Bank of Northeast Missouri > Performance and Condition Ratios
Exchange Bank of Northeast Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 2,103 |
| Cost of funding earning assets | 1.0491% | 3,197 |
| Net interest margin | 3.9341% | 1,306 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.6466% | 1,881 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.2781% | 1,475 |
| Return on assets (ROA) | 1.2781% | 1,447 |
| Pretax return on assets | 1.2781% | 1,933 |
| Return on Equity (ROE) | 15.2900% | 1,230 |
| Retained earnings to average equity (ytd only) | 11.3003% | 727 |
| Net charge-offs to loans | 0.0014% | 2,788 |
| Credit loss provision to net charge-offs | 9,250.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,483.5000% | 106 |
| Efficiency ratio | 65.8022% | 2,380 |
| Assets per employee ($millions) | 4.6298% | 3,866 |
| Cash dividends to net income (ytd only)* | 26.1153% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,608 |
| Loan loss allowance to noncurrent loans | 43.4225% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 2.0011% | 143 |
| Noncurrent loans to loans | 3.0880% | 139 |
| Net loans and leases to total assets | 63.9300% | 2,466 |
| Net loans and leases to deposits | 70.4587% | 2,856 |
| Net loans and leases to core deposits | 73.4191% | 3,104 |
| Total domestic deposits to total assets | 90.7400% | 573 |
| Equity capital to assets | 8.9057% | 2,741 |
| Core capital (leverage) ratio | 10.3771% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3542% | 1,737 |
| Memoranda: | ||
| Average total assets | $215,709,600 | 2,869 |
| Average earning assets | $197,503,600 | 2,891 |
| Average equity | $18,026,000 | 3,012 |
| Average total loans | $139,524,800 | 2,774 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 89.0000% | 41 |
| Cost of funding earning assets | 55.0000% | 25 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.4381% | 1,220 |
| Pretax return on assets | 1.4381% | 1,695 |
| Return on Equity (ROE) | 17.5100% | 1,007 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0025% | 2,458 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.0297% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 6.0000% | 19 |
| Noncurrent loans to loans | 0.0035% | 3,793 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 40.0000% | 4,516 |
| Equity capital to assets | 16,437.0000% | 19 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $12,000 | 4,638 |
| Average earning assets | $16,327 | 4,580 |
| Average equity | $464 | 4,563 |
| Average total loans | $0 | 4,502 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 1,996 |
| Cost of funding earning assets | 0.7863% | 2,784 |
| Net interest margin | 3.8543% | 1,569 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.3789% | 2,586 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.5586% | 1,060 |
| Return on assets (ROA) | 1.5586% | 1,054 |
| Pretax return on assets | 1.5586% | 1,558 |
| Return on Equity (ROE) | 19.3700% | 833 |
| Retained earnings to average equity (ytd only) | 15.1988% | 779 |
| Net charge-offs to loans | 0.0265% | 1,163 |
| Credit loss provision to net charge-offs | 88.8889% | 1,180 |
| Earnings coverage of net charge-offs (x) | 93.7778% | 819 |
| Efficiency ratio | 60.1887% | 2,935 |
| Assets per employee ($millions) | 4.6667% | 3,921 |
| Cash dividends to net income (ytd only)* | 21.5311% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,170 |
| Loan loss allowance to noncurrent loans | 269.5988% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 1,465 |
| Noncurrent loans to loans | 0.4722% | 1,536 |
| Net loans and leases to total assets | 63.1200% | 2,349 |
| Net loans and leases to deposits | 69.0901% | 2,686 |
| Net loans and leases to core deposits | 71.3501% | 2,860 |
| Total domestic deposits to total assets | 91.3600% | 685 |
| Equity capital to assets | 8.3449% | 3,010 |
| Core capital (leverage) ratio | 9.9285% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7265% | 2,078 |
| Memoranda: | ||
| Average total assets | $214,551,000 | 2,946 |
| Average earning assets | $196,353,500 | 2,949 |
| Average equity | $17,264,500 | 3,111 |
| Average total loans | $135,977,500 | 2,839 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 1,933 |
| Cost of funding earning assets | 0.5683% | 1,028 |
| Net interest margin | 3.3526% | 2,416 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.3136% | 2,683 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0665% | 2,314 |
| Return on assets (ROA) | 1.0665% | 2,259 |
| Pretax return on assets | 1.0665% | 2,870 |
| Return on Equity (ROE) | 13.0000% | 1,815 |
| Retained earnings to average equity (ytd only) | 9.6579% | 1,255 |
| Net charge-offs to loans | 0.0372% | 1,350 |
| Credit loss provision to net charge-offs | 485.1064% | 693 |
| Earnings coverage of net charge-offs (x) | 54.4894% | 1,308 |
| Efficiency ratio | 66.3999% | 2,164 |
| Assets per employee ($millions) | 4.4674% | 4,058 |
| Cash dividends to net income (ytd only)* | 25.7180% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 1,901 |
| Loan loss allowance to noncurrent loans | 297.7853% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 1,569 |
| Noncurrent loans to loans | 0.4357% | 1,618 |
| Net loans and leases to total assets | 62.0100% | 2,441 |
| Net loans and leases to deposits | 67.4096% | 2,777 |
| Net loans and leases to core deposits | 69.1516% | 2,934 |
| Total domestic deposits to total assets | 91.9900% | 643 |
| Equity capital to assets | 7.7483% | 3,218 |
| Core capital (leverage) ratio | 9.3364% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1984% | 2,287 |
| Memoranda: | ||
| Average total assets | $218,746,400 | 2,911 |
| Average earning assets | $200,084,600 | 2,939 |
| Average equity | $17,943,800 | 3,125 |
| Average total loans | $126,205,400 | 2,867 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 1,979 |
| Cost of funding earning assets | 0.5534% | 570 |
| Net interest margin | 3.1659% | 2,725 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3188% | 2,575 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9626% | 2,615 |
| Return on assets (ROA) | 0.9626% | 2,588 |
| Pretax return on assets | 0.9626% | 3,131 |
| Return on Equity (ROE) | 11.5800% | 2,180 |
| Retained earnings to average equity (ytd only) | 8.2948% | 1,887 |
| Net charge-offs to loans | 0.0150% | 1,567 |
| Credit loss provision to net charge-offs | 378.5714% | 728 |
| Earnings coverage of net charge-offs (x) | 117.1429% | 861 |
| Efficiency ratio | 69.9799% | 1,763 |
| Assets per employee ($millions) | 4.6132% | 3,968 |
| Cash dividends to net income (ytd only)* | 28.3554% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,347 |
| Loan loss allowance to noncurrent loans | 195.3771% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 1,459 |
| Noncurrent loans to loans | 0.6324% | 1,285 |
| Net loans and leases to total assets | 57.9700% | 2,702 |
| Net loans and leases to deposits | 63.7836% | 2,882 |
| Net loans and leases to core deposits | 65.4993% | 2,985 |
| Total domestic deposits to total assets | 90.8900% | 1,283 |
| Equity capital to assets | 7.2211% | 3,392 |
| Core capital (leverage) ratio | 9.0151% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8307% | 2,540 |
| Memoranda: | ||
| Average total assets | $219,824,750 | 2,923 |
| Average earning assets | $201,182,000 | 2,944 |
| Average equity | $18,276,000 | 3,134 |
| Average total loans | $124,078,750 | 2,888 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 2,186 |
| Cost of funding earning assets | 0.5533% | 382 |
| Net interest margin | 2.9299% | 3,089 |
| Noninterest income to average assets | 0.4305% | 2,566 |
| Noninterest expense to average assets | 2.3430% | 2,420 |
| Loan and lease loss provision to assets | 0.0310% | 2,032 |
| Net operating income to assets | 0.7369% | 3,191 |
| Return on assets (ROA) | 0.7369% | 3,147 |
| Pretax return on assets | 0.7369% | 3,487 |
| Return on Equity (ROE) | 8.4883% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.3367% | 2,574 |
| Net charge-offs to loans | 0.0197% | 1,342 |
| Credit loss provision to net charge-offs | 283.3333% | 823 |
| Earnings coverage of net charge-offs (x) | 70.1667% | 1,002 |
| Efficiency ratio | 75.3152% | 1,355 |
| Assets per employee ($millions) | 4.5561% | 4,035 |
| Cash dividends to net income (ytd only)* | 37.1287% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,361 |
| Loan loss allowance to noncurrent loans | 78.2759% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 540 |
| Noncurrent loans to loans | 1.6148% | 450 |
| Net loans and leases to total assets | 55.6005% | 2,797 |
| Net loans and leases to deposits | 61.1117% | 2,964 |
| Net loans and leases to core deposits | 62.8211% | 3,048 |
| Total domestic deposits to total assets | 90.9818% | 1,253 |
| Equity capital to assets | 7.1938% | 3,668 |
| Core capital (leverage) ratio | 8.7317% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6401% | 2,638 |
| Memoranda: | ||
| Average total assets | $219,288,333 | 2,953 |
| Average earning assets | $200,619,000 | 2,985 |
| Average equity | $19,038,000 | 3,147 |
| Average total loans | $122,111,000 | 2,922 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 2,051 |
| Cost of funding earning assets | 0.5539% | 361 |
| Net interest margin | 2.8583% | 2,963 |
| Noninterest income to average assets | 0.4896% | 2,199 |
| Noninterest expense to average assets | 2.3671% | 2,278 |
| Loan and lease loss provision to assets | 0.0295% | 1,838 |
| Net operating income to assets | 0.7050% | 3,039 |
| Return on assets (ROA) | 0.7050% | 3,031 |
| Pretax return on assets | 0.7050% | 3,377 |
| Return on Equity (ROE) | 7.4633% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.5404% | 2,760 |
| Net charge-offs to loans | 0.0432% | 854 |
| Credit loss provision to net charge-offs | 123.0769% | 923 |
| Earnings coverage of net charge-offs (x) | 30.6923% | 1,119 |
| Efficiency ratio | 76.3205% | 1,488 |
| Assets per employee ($millions) | 4.7836% | 3,937 |
| Cash dividends to net income (ytd only)* | 39.1645% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,256 |
| Loan loss allowance to noncurrent loans | 120.6764% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 1,015 |
| Noncurrent loans to loans | 1.0944% | 817 |
| Net loans and leases to total assets | 52.1779% | 2,973 |
| Net loans and leases to deposits | 58.1967% | 3,058 |
| Net loans and leases to core deposits | 59.6518% | 3,178 |
| Total domestic deposits to total assets | 89.6578% | 1,738 |
| Equity capital to assets | 8.6053% | 3,070 |
| Core capital (leverage) ratio | 8.9538% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1916% | 2,534 |
| Memoranda: | ||
| Average total assets | $217,308,500 | 2,986 |
| Average earning assets | $198,577,000 | 3,013 |
| Average equity | $20,527,000 | 3,103 |
| Average total loans | $120,308,500 | 2,940 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 1,728 |
| Cost of funding earning assets | 0.6389% | 451 |
| Net interest margin | 3.2209% | 2,550 |
| Noninterest income to average assets | 0.3392% | 3,384 |
| Noninterest expense to average assets | 2.4301% | 2,395 |
| Loan and lease loss provision to assets | 0.0965% | 1,285 |
| Net operating income to assets | 0.7682% | 3,430 |
| Return on assets (ROA) | 0.7682% | 3,494 |
| Pretax return on assets | 0.7682% | 3,792 |
| Return on Equity (ROE) | 7.6318% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.6318% | 1,685 |
| Net charge-offs to loans | -0.0445% | 4,275 |
| Credit loss provision to net charge-offs | -400.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7551% | 1,332 |
| Assets per employee ($millions) | 4.3706% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,423 |
| Loan loss allowance to noncurrent loans | 134.3911% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 901 |
| Noncurrent loans to loans | 0.9578% | 1,049 |
| Net loans and leases to total assets | 57.2811% | 2,447 |
| Net loans and leases to deposits | 65.2229% | 2,577 |
| Net loans and leases to core deposits | 66.8912% | 2,740 |
| Total domestic deposits to total assets | 87.8235% | 2,137 |
| Equity capital to assets | 10.3470% | 2,324 |
| Core capital (leverage) ratio | 9.1928% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4020% | 2,490 |
| Memoranda: | ||
| Average total assets | $207,230,400 | 3,008 |
| Average earning assets | $190,162,800 | 3,028 |
| Average equity | $20,860,000 | 3,141 |
| Average total loans | $112,351,800 | 3,037 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 1,561 |
| Cost of funding earning assets | 0.6602% | 474 |
| Net interest margin | 3.3289% | 2,340 |
| Noninterest income to average assets | 0.3214% | 3,508 |
| Noninterest expense to average assets | 2.3653% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0184% | 2,840 |
| Return on assets (ROA) | 1.0184% | 2,902 |
| Pretax return on assets | 1.0184% | 3,398 |
| Return on Equity (ROE) | 10.1895% | 2,666 |
| Retained earnings to average equity (ytd only) | 10.1895% | 1,268 |
| Net charge-offs to loans | -0.1236% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9027% | 1,611 |
| Assets per employee ($millions) | 4.3667% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,512 |
| Loan loss allowance to noncurrent loans | 101.4296% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8144% | 874 |
| Noncurrent loans to loans | 1.2769% | 857 |
| Net loans and leases to total assets | 51.5964% | 3,237 |
| Net loans and leases to deposits | 58.2783% | 3,384 |
| Net loans and leases to core deposits | 59.9501% | 3,471 |
| Total domestic deposits to total assets | 88.5345% | 1,551 |
| Equity capital to assets | 10.5242% | 2,440 |
| Core capital (leverage) ratio | 9.2284% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1523% | 1,912 |
| Memoranda: | ||
| Average total assets | $206,590,500 | 3,050 |
| Average earning assets | $190,047,750 | 3,061 |
| Average equity | $20,648,250 | 3,197 |
| Average total loans | $110,005,500 | 3,116 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 1,022 |
| Cost of funding earning assets | 0.6917% | 485 |
| Net interest margin | 3.5979% | 1,600 |
| Noninterest income to average assets | 0.3084% | 3,585 |
| Noninterest expense to average assets | 2.3630% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2549% | 2,008 |
| Return on assets (ROA) | 1.2549% | 2,073 |
| Pretax return on assets | 1.2549% | 2,751 |
| Return on Equity (ROE) | 12.7862% | 1,793 |
| Retained earnings to average equity (ytd only) | 12.7862% | 763 |
| Net charge-offs to loans | -0.1798% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3133% | 2,251 |
| Assets per employee ($millions) | 4.4677% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,617 |
| Loan loss allowance to noncurrent loans | 214.5455% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 1,808 |
| Noncurrent loans to loans | 0.5888% | 1,929 |
| Net loans and leases to total assets | 52.7036% | 3,279 |
| Net loans and leases to deposits | 59.4334% | 3,436 |
| Net loans and leases to core deposits | 61.1294% | 3,530 |
| Total domestic deposits to total assets | 88.6766% | 1,467 |
| Equity capital to assets | 10.4195% | 2,470 |
| Core capital (leverage) ratio | 9.1053% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6237% | 2,113 |
| Memoranda: | ||
| Average total assets | $205,586,667 | 3,057 |
| Average earning assets | $189,108,000 | 3,074 |
| Average equity | $20,178,000 | 3,225 |
| Average total loans | $110,152,000 | 3,127 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 906 |
| Cost of funding earning assets | 0.7358% | 479 |
| Net interest margin | 3.6702% | 1,399 |
| Noninterest income to average assets | 0.2891% | 3,678 |
| Noninterest expense to average assets | 2.3974% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2665% | 1,930 |
| Return on assets (ROA) | 1.2665% | 2,006 |
| Pretax return on assets | 1.2665% | 2,664 |
| Return on Equity (ROE) | 13.3282% | 1,586 |
| Retained earnings to average equity (ytd only) | 13.3282% | 855 |
| Net charge-offs to loans | -0.0220% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4321% | 2,308 |
| Assets per employee ($millions) | 4.4883% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,913 |
| Loan loss allowance to noncurrent loans | 190.6340% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 1,957 |
| Noncurrent loans to loans | 0.6311% | 1,992 |
| Net loans and leases to total assets | 51.5037% | 3,494 |
| Net loans and leases to deposits | 57.2760% | 3,696 |
| Net loans and leases to core deposits | 58.8830% | 3,773 |
| Total domestic deposits to total assets | 89.9219% | 857 |
| Equity capital to assets | 9.2618% | 3,432 |
| Core capital (leverage) ratio | 8.2532% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9610% | 2,687 |
| Memoranda: | ||
| Average total assets | $203,389,000 | 3,056 |
| Average earning assets | $187,018,500 | 3,079 |
| Average equity | $19,327,500 | 3,296 |
| Average total loans | $109,186,000 | 3,140 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,126 |
| Cost of funding earning assets | 1.0161% | 559 |
| Net interest margin | 3.1873% | 3,395 |
| Noninterest income to average assets | 0.3232% | 3,525 |
| Noninterest expense to average assets | 2.5331% | 2,745 |
| Loan and lease loss provision to assets | 0.1055% | 3,017 |
| Net operating income to assets | 0.5765% | 3,826 |
| Return on assets (ROA) | 0.6237% | 3,794 |
| Pretax return on assets | 0.6237% | 4,031 |
| Return on Equity (ROE) | 6.2700% | 3,497 |
| Retained earnings to average equity (ytd only) | 3.7576% | 2,945 |
| Net charge-offs to loans | 0.0738% | 1,748 |
| Credit loss provision to net charge-offs | 231.7073% | 2,009 |
| Earnings coverage of net charge-offs (x) | 14.9756% | 2,189 |
| Efficiency ratio | 78.7874% | 975 |
| Assets per employee ($millions) | 4.2571% | 4,170 |
| Cash dividends to net income (ytd only)* | 40.0712% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,865 |
| Loan loss allowance to noncurrent loans | 182.6630% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 1,867 |
| Noncurrent loans to loans | 0.6651% | 2,022 |
| Net loans and leases to total assets | 54.6832% | 3,424 |
| Net loans and leases to deposits | 61.1402% | 3,669 |
| Net loans and leases to core deposits | 62.7146% | 3,790 |
| Total domestic deposits to total assets | 89.4391% | 792 |
| Equity capital to assets | 9.7622% | 3,359 |
| Core capital (leverage) ratio | 8.1374% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9508% | 2,643 |
| Memoranda: | ||
| Average total assets | $180,059,000 | 3,102 |
| Average earning assets | $163,367,600 | 3,135 |
| Average equity | $17,910,600 | 3,371 |
| Average total loans | $111,164,000 | 3,085 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 1,951 |
| Cost of funding earning assets | 1.0488% | 639 |
| Net interest margin | 3.3119% | 3,152 |
| Noninterest income to average assets | 0.3157% | 3,602 |
| Noninterest expense to average assets | 2.5626% | 2,651 |
| Loan and lease loss provision to assets | 0.1408% | 2,611 |
| Net operating income to assets | 0.6102% | 3,726 |
| Return on assets (ROA) | 0.6745% | 3,657 |
| Pretax return on assets | 0.6745% | 3,958 |
| Return on Equity (ROE) | 6.7464% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.3391% | 3,379 |
| Net charge-offs to loans | 0.0918% | 1,390 |
| Credit loss provision to net charge-offs | 241.5584% | 1,955 |
| Earnings coverage of net charge-offs (x) | 12.8831% | 2,225 |
| Efficiency ratio | 77.3361% | 1,101 |
| Assets per employee ($millions) | 3.9924% | 4,316 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,621 |
| Loan loss allowance to noncurrent loans | 111.4117% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 1,383 |
| Noncurrent loans to loans | 1.0841% | 1,386 |
| Net loans and leases to total assets | 56.2572% | 3,597 |
| Net loans and leases to deposits | 62.8948% | 3,870 |
| Net loans and leases to core deposits | 64.7577% | 3,967 |
| Total domestic deposits to total assets | 89.4465% | 600 |
| Equity capital to assets | 9.5954% | 3,608 |
| Core capital (leverage) ratio | 8.1696% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9270% | 2,644 |
| Memoranda: | ||
| Average total assets | $176,117,250 | 3,125 |
| Average earning assets | $159,420,000 | 3,156 |
| Average equity | $17,609,000 | 3,406 |
| Average total loans | $111,854,750 | 3,082 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 1,618 |
| Cost of funding earning assets | 1.0706% | 790 |
| Net interest margin | 3.5427% | 2,662 |
| Noninterest income to average assets | 0.2808% | 3,787 |
| Noninterest expense to average assets | 2.6699% | 2,471 |
| Loan and lease loss provision to assets | 0.1813% | 2,208 |
| Net operating income to assets | 0.6236% | 3,659 |
| Return on assets (ROA) | 0.7230% | 3,417 |
| Pretax return on assets | 0.7230% | 3,817 |
| Return on Equity (ROE) | 7.1242% | 3,084 |
| Retained earnings to average equity (ytd only) | 3.6658% | 3,085 |
| Net charge-offs to loans | 0.1472% | 981 |
| Credit loss provision to net charge-offs | 186.7470% | 1,972 |
| Earnings coverage of net charge-offs (x) | 8.2892% | 2,298 |
| Efficiency ratio | 76.8350% | 1,177 |
| Assets per employee ($millions) | 3.7358% | 4,522 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,826 |
| Loan loss allowance to noncurrent loans | 143.6099% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 1,712 |
| Noncurrent loans to loans | 0.7944% | 1,905 |
| Net loans and leases to total assets | 60.6415% | 3,248 |
| Net loans and leases to deposits | 67.8990% | 3,577 |
| Net loans and leases to core deposits | 69.7449% | 3,730 |
| Total domestic deposits to total assets | 89.3113% | 641 |
| Equity capital to assets | 9.7769% | 3,397 |
| Core capital (leverage) ratio | 8.4493% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7832% | 2,698 |
| Memoranda: | ||
| Average total assets | $170,945,000 | 3,153 |
| Average earning assets | $154,120,667 | 3,184 |
| Average equity | $17,349,333 | 3,429 |
| Average total loans | $112,764,333 | 3,059 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 2,189 |
| Cost of funding earning assets | 1.0763% | 1,115 |
| Net interest margin | 3.4641% | 3,099 |
| Noninterest income to average assets | 0.3057% | 3,685 |
| Noninterest expense to average assets | 2.8164% | 2,388 |
| Loan and lease loss provision to assets | 0.2232% | 1,387 |
| Net operating income to assets | 0.3736% | 4,188 |
| Return on assets (ROA) | 0.5798% | 3,720 |
| Pretax return on assets | 0.5798% | 3,950 |
| Return on Equity (ROE) | 5.5987% | 3,450 |
| Retained earnings to average equity (ytd only) | 2.0849% | 3,419 |
| Net charge-offs to loans | 0.3150% | 460 |
| Credit loss provision to net charge-offs | 103.3708% | 1,793 |
| Earnings coverage of net charge-offs (x) | 2.7640% | 2,259 |
| Efficiency ratio | 82.5160% | 941 |
| Assets per employee ($millions) | 3.3729% | 4,580 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,336 |
| Loan loss allowance to noncurrent loans | 67.0725% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 902 |
| Noncurrent loans to loans | 1.6007% | 973 |
| Net loans and leases to total assets | 64.9209% | 2,950 |
| Net loans and leases to deposits | 72.7528% | 3,382 |
| Net loans and leases to core deposits | 74.7263% | 3,587 |
| Total domestic deposits to total assets | 89.2350% | 574 |
| Equity capital to assets | 9.8343% | 3,930 |
| Core capital (leverage) ratio | 8.9652% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5233% | 2,918 |
| Memoranda: | ||
| Average total assets | $164,891,000 | 3,177 |
| Average earning assets | $147,917,000 | 3,211 |
| Average equity | $17,075,500 | 3,463 |
| Average total loans | $113,003,000 | 3,044 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 1,748 |
| Cost of funding earning assets | 0.8503% | 2,431 |
| Net interest margin | 4.0484% | 1,689 |
| Noninterest income to average assets | 0.3570% | 3,564 |
| Noninterest expense to average assets | 2.8878% | 2,329 |
| Loan and lease loss provision to assets | 0.4888% | 264 |
| Net operating income to assets | 0.6277% | 4,078 |
| Return on assets (ROA) | 0.6673% | 4,039 |
| Pretax return on assets | 0.6673% | 4,288 |
| Return on Equity (ROE) | 5.9460% | 3,935 |
| Retained earnings to average equity (ytd only) | -1.0976% | 4,812 |
| Net charge-offs to loans | 0.6361% | 282 |
| Credit loss provision to net charge-offs | 106.1516% | 2,339 |
| Earnings coverage of net charge-offs (x) | 2.4249% | 3,419 |
| Efficiency ratio | 72.1171% | 1,850 |
| Assets per employee ($millions) | 3.1552% | 4,735 |
| Cash dividends to net income (ytd only)* | 118.4600% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,114 |
| Loan loss allowance to noncurrent loans | 130.9859% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 2,126 |
| Noncurrent loans to loans | 0.8160% | 1,876 |
| Net loans and leases to total assets | 70.9347% | 2,260 |
| Net loans and leases to deposits | 80.5082% | 2,723 |
| Net loans and leases to core deposits | 82.0259% | 3,118 |
| Total domestic deposits to total assets | 88.1087% | 1,081 |
| Equity capital to assets | 10.9241% | 3,077 |
| Core capital (leverage) ratio | 9.5330% | 4,023 |
| Tier 1 risk-based capital ratio | 11.7485% | 4,499 |
| Total risk-based capital ratio | 12.7219% | 4,522 |
| Memoranda: | ||
| Average total assets | $151,813,200 | 3,273 |
| Average earning assets | $136,770,400 | 3,329 |
| Average equity | $17,036,600 | 3,430 |
| Average total loans | $109,882,400 | 3,090 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 1,891 |
| Cost of funding earning assets | 0.8220% | 2,606 |
| Net interest margin | 4.0538% | 1,748 |
| Noninterest income to average assets | 0.3601% | 3,570 |
| Noninterest expense to average assets | 2.8622% | 2,367 |
| Loan and lease loss provision to assets | 0.6200% | 179 |
| Net operating income to assets | 0.5348% | 4,438 |
| Return on assets (ROA) | 0.5880% | 4,373 |
| Pretax return on assets | 0.5880% | 4,564 |
| Return on Equity (ROE) | 5.2038% | 4,273 |
| Retained earnings to average equity (ytd only) | 1.6718% | 4,373 |
| Net charge-offs to loans | 0.8606% | 176 |
| Credit loss provision to net charge-offs | 99.2898% | 2,288 |
| Earnings coverage of net charge-offs (x) | 1.8494% | 3,247 |
| Efficiency ratio | 71.2519% | 1,934 |
| Assets per employee ($millions) | 3.0713% | 4,855 |
| Cash dividends to net income (ytd only)* | 67.8737% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,276 |
| Loan loss allowance to noncurrent loans | 73.6208% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 1,302 |
| Noncurrent loans to loans | 1.4287% | 1,065 |
| Net loans and leases to total assets | 71.1247% | 2,303 |
| Net loans and leases to deposits | 85.7571% | 2,223 |
| Net loans and leases to core deposits | 87.1142% | 2,811 |
| Total domestic deposits to total assets | 82.9374% | 3,193 |
| Equity capital to assets | 11.5046% | 2,651 |
| Core capital (leverage) ratio | 10.1420% | 3,486 |
| Tier 1 risk-based capital ratio | 12.2362% | 4,289 |
| Total risk-based capital ratio | 13.1837% | 4,339 |
| Memoranda: | ||
| Average total assets | $150,326,000 | 3,328 |
| Average earning assets | $135,606,500 | 3,378 |
| Average equity | $16,987,250 | 3,457 |
| Average total loans | $109,073,750 | 3,137 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 2,048 |
| Cost of funding earning assets | 0.8044% | 2,620 |
| Net interest margin | 3.9996% | 1,923 |
| Noninterest income to average assets | 0.3524% | 3,578 |
| Noninterest expense to average assets | 2.8651% | 2,370 |
| Loan and lease loss provision to assets | 0.7558% | 138 |
| Net operating income to assets | 0.3498% | 4,803 |
| Return on assets (ROA) | 0.4302% | 4,698 |
| Pretax return on assets | 0.4302% | 4,791 |
| Return on Equity (ROE) | 3.8304% | 4,620 |
| Retained earnings to average equity (ytd only) | 0.2506% | 4,624 |
| Net charge-offs to loans | 1.2887% | 96 |
| Credit loss provision to net charge-offs | 80.5714% | 2,220 |
| Earnings coverage of net charge-offs (x) | 1.1786% | 3,047 |
| Efficiency ratio | 72.1566% | 1,898 |
| Assets per employee ($millions) | 3.3845% | 4,625 |
| Cash dividends to net income (ytd only)* | 93.4579% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,906 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 1,820 |
| Noncurrent loans to loans | 0.9422% | 1,725 |
| Net loans and leases to total assets | 72.7148% | 2,111 |
| Net loans and leases to deposits | 87.6453% | 2,046 |
| Net loans and leases to core deposits | 88.6259% | 2,737 |
| Total domestic deposits to total assets | 82.9649% | 3,218 |
| Equity capital to assets | 11.5018% | 2,603 |
| Core capital (leverage) ratio | 10.0807% | 3,513 |
| Tier 1 risk-based capital ratio | 12.2683% | 4,257 |
| Total risk-based capital ratio | 13.1221% | 4,366 |
| Memoranda: | ||
| Average total assets | $149,246,670 | 3,362 |
| Average earning assets | $135,012,330 | 3,410 |
| Average equity | $16,760,670 | 3,487 |
| Average total loans | $108,637,330 | 3,160 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 1,994 |
| Cost of funding earning assets | 0.8087% | 2,484 |
| Net interest margin | 3.9607% | 1,987 |
| Noninterest income to average assets | 0.3748% | 3,351 |
| Noninterest expense to average assets | 2.8592% | 2,390 |
| Loan and lease loss provision to assets | 1.2743% | 67 |
| Net operating income to assets | -0.1794% | 5,200 |
| Return on assets (ROA) | -0.1794% | 5,198 |
| Pretax return on assets | -0.1794% | 5,193 |
| Return on Equity (ROE) | -1.6167% | 5,209 |
| Retained earnings to average equity (ytd only) | -5.2362% | 4,935 |
| Net charge-offs to loans | 0.1256% | 994 |
| Credit loss provision to net charge-offs | 1,400.0000% | 279 |
| Earnings coverage of net charge-offs (x) | 12.0294% | 1,889 |
| Efficiency ratio | 72.3087% | 1,987 |
| Assets per employee ($millions) | 3.3491% | 4,700 |
| Cash dividends to net income (ytd only)* | -223.8806% | 5,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,394 |
| Loan loss allowance to noncurrent loans | 72.1400% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.5626% | 747 |
| Noncurrent loans to loans | 2.0529% | 714 |
| Net loans and leases to total assets | 70.9787% | 2,328 |
| Net loans and leases to deposits | 89.9098% | 1,644 |
| Net loans and leases to core deposits | 90.9525% | 2,406 |
| Total domestic deposits to total assets | 78.9443% | 4,362 |
| Equity capital to assets | 11.1645% | 2,694 |
| Core capital (leverage) ratio | 9.8831% | 3,729 |
| Tier 1 risk-based capital ratio | 12.1301% | 4,392 |
| Total risk-based capital ratio | 13.3811% | 4,275 |
| Memoranda: | ||
| Average total assets | $149,412,000 | 3,397 |
| Average earning assets | $135,027,000 | 3,438 |
| Average equity | $16,577,000 | 3,519 |
| Average total loans | $108,299,000 | 3,191 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 1,954 |
| Cost of funding earning assets | 0.5143% | 3,261 |
| Net interest margin | 4.1463% | 1,538 |
| Noninterest income to average assets | 0.3713% | 3,611 |
| Noninterest expense to average assets | 2.7916% | 2,722 |
| Loan and lease loss provision to assets | 0.0724% | 2,689 |
| Net operating income to assets | 1.2693% | 1,919 |
| Return on assets (ROA) | 1.2761% | 1,887 |
| Pretax return on assets | 1.2761% | 2,595 |
| Return on Equity (ROE) | 10.7343% | 2,196 |
| Retained earnings to average equity (ytd only) | -4.0559% | 5,218 |
| Net charge-offs to loans | 0.0707% | 2,105 |
| Credit loss provision to net charge-offs | 144.5946% | 1,880 |
| Earnings coverage of net charge-offs (x) | 26.8108% | 1,713 |
| Efficiency ratio | 67.5393% | 2,622 |
| Assets per employee ($millions) | 3.3662% | 4,689 |
| Cash dividends to net income (ytd only)* | 137.7848% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,220 |
| Loan loss allowance to noncurrent loans | 52.3810% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5974% | 707 |
| Noncurrent loans to loans | 2.0608% | 649 |
| Net loans and leases to total assets | 72.1417% | 2,234 |
| Net loans and leases to deposits | 92.0979% | 1,542 |
| Net loans and leases to core deposits | 93.1919% | 2,299 |
| Total domestic deposits to total assets | 78.3316% | 4,437 |
| Equity capital to assets | 11.0239% | 2,663 |
| Core capital (leverage) ratio | 10.1970% | 3,359 |
| Tier 1 risk-based capital ratio | 12.3891% | 4,191 |
| Total risk-based capital ratio | 13.3665% | 4,240 |
| Memoranda: | ||
| Average total assets | $147,874,600 | 3,410 |
| Average earning assets | $134,166,200 | 3,440 |
| Average equity | $17,579,200 | 3,336 |
| Average total loans | $104,618,400 | 3,219 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,868 |
| Cost of funding earning assets | 0.4895% | 3,261 |
| Net interest margin | 4.1528% | 1,490 |
| Noninterest income to average assets | 0.3662% | 3,674 |
| Noninterest expense to average assets | 2.8260% | 2,547 |
| Loan and lease loss provision to assets | 0.0677% | 2,625 |
| Net operating income to assets | 1.2376% | 2,098 |
| Return on assets (ROA) | 1.2466% | 2,067 |
| Pretax return on assets | 1.2466% | 2,823 |
| Return on Equity (ROE) | 10.2986% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.9452% | 2,155 |
| Net charge-offs to loans | 0.0694% | 1,844 |
| Credit loss provision to net charge-offs | 138.8889% | 1,816 |
| Earnings coverage of net charge-offs (x) | 26.7957% | 1,732 |
| Efficiency ratio | 68.4061% | 2,462 |
| Assets per employee ($millions) | 3.2120% | 4,878 |
| Cash dividends to net income (ytd only)* | 32.5618% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,214 |
| Loan loss allowance to noncurrent loans | 93.5223% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 1,773 |
| Noncurrent loans to loans | 1.1727% | 1,440 |
| Net loans and leases to total assets | 70.4972% | 2,564 |
| Net loans and leases to deposits | 87.6614% | 2,197 |
| Net loans and leases to core deposits | 88.4827% | 2,796 |
| Total domestic deposits to total assets | 80.4199% | 4,017 |
| Equity capital to assets | 12.2679% | 1,726 |
| Core capital (leverage) ratio | 11.1512% | 2,456 |
| Tier 1 risk-based capital ratio | 14.0586% | 3,344 |
| Total risk-based capital ratio | 15.0472% | 3,378 |
| Memoranda: | ||
| Average total assets | $147,814,750 | 3,447 |
| Average earning assets | $134,009,000 | 3,478 |
| Average equity | $17,892,000 | 3,331 |
| Average total loans | $103,768,500 | 3,263 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,851 |
| Cost of funding earning assets | 0.4552% | 3,319 |
| Net interest margin | 4.1219% | 1,484 |
| Noninterest income to average assets | 0.3599% | 3,747 |
| Noninterest expense to average assets | 2.8031% | 2,647 |
| Loan and lease loss provision to assets | 0.0758% | 2,382 |
| Net operating income to assets | 1.2297% | 2,062 |
| Return on assets (ROA) | 1.2297% | 2,058 |
| Pretax return on assets | 1.2297% | 2,819 |
| Return on Equity (ROE) | 10.2055% | 2,472 |
| Retained earnings to average equity (ytd only) | 6.8373% | 2,150 |
| Net charge-offs to loans | 0.1007% | 1,344 |
| Credit loss provision to net charge-offs | 107.6923% | 1,919 |
| Earnings coverage of net charge-offs (x) | 18.5577% | 1,896 |
| Efficiency ratio | 68.2252% | 2,610 |
| Assets per employee ($millions) | 3.3143% | 4,800 |
| Cash dividends to net income (ytd only)* | 33.0033% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,510 |
| Loan loss allowance to noncurrent loans | 127.1812% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 2,422 |
| Noncurrent loans to loans | 0.8296% | 2,067 |
| Net loans and leases to total assets | 71.4955% | 2,362 |
| Net loans and leases to deposits | 89.6821% | 1,881 |
| Net loans and leases to core deposits | 90.5218% | 2,526 |
| Total domestic deposits to total assets | 79.7211% | 4,301 |
| Equity capital to assets | 12.0172% | 1,844 |
| Core capital (leverage) ratio | 11.0545% | 2,477 |
| Tier 1 risk-based capital ratio | 13.3554% | 3,703 |
| Total risk-based capital ratio | 14.2984% | 3,786 |
| Memoranda: | ||
| Average total assets | $147,835,670 | 3,465 |
| Average earning assets | $134,453,000 | 3,496 |
| Average equity | $17,814,000 | 3,355 |
| Average total loans | $103,252,670 | 3,278 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 1,770 |
| Cost of funding earning assets | 0.4393% | 3,293 |
| Net interest margin | 4.0922% | 1,459 |
| Noninterest income to average assets | 0.3533% | 3,783 |
| Noninterest expense to average assets | 2.8428% | 2,560 |
| Loan and lease loss provision to assets | 0.0978% | 1,884 |
| Net operating income to assets | 1.1088% | 2,388 |
| Return on assets (ROA) | 1.1088% | 2,403 |
| Pretax return on assets | 1.1088% | 3,140 |
| Return on Equity (ROE) | 9.1894% | 2,813 |
| Retained earnings to average equity (ytd only) | 5.8110% | 2,801 |
| Net charge-offs to loans | 0.0040% | 2,597 |
| Credit loss provision to net charge-offs | 3,600.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 444.0000% | 147 |
| Efficiency ratio | 70.2013% | 2,459 |
| Assets per employee ($millions) | 3.0890% | 5,097 |
| Cash dividends to net income (ytd only)* | 36.7647% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,140 |
| Loan loss allowance to noncurrent loans | 167.3352% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 2,971 |
| Noncurrent loans to loans | 0.6814% | 2,507 |
| Net loans and leases to total assets | 68.2990% | 2,728 |
| Net loans and leases to deposits | 80.9197% | 2,707 |
| Net loans and leases to core deposits | 81.6393% | 3,173 |
| Total domestic deposits to total assets | 84.4035% | 3,145 |
| Equity capital to assets | 11.8723% | 1,866 |
| Core capital (leverage) ratio | 10.8252% | 2,607 |
| Tier 1 risk-based capital ratio | 13.4741% | 3,668 |
| Total risk-based capital ratio | 14.4733% | 3,728 |
| Memoranda: | ||
| Average total assets | $147,181,000 | 3,508 |
| Average earning assets | $132,935,500 | 3,550 |
| Average equity | $17,759,500 | 3,387 |
| Average total loans | $100,994,500 | 3,341 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,417 |
| Cost of funding earning assets | 0.4222% | 3,036 |
| Net interest margin | 4.1812% | 1,227 |
| Noninterest income to average assets | 0.3239% | 4,149 |
| Noninterest expense to average assets | 2.6574% | 3,266 |
| Loan and lease loss provision to assets | 0.1650% | 1,337 |
| Net operating income to assets | 1.2902% | 1,249 |
| Return on assets (ROA) | 1.2902% | 1,269 |
| Pretax return on assets | 1.2902% | 2,388 |
| Return on Equity (ROE) | 10.9322% | 1,509 |
| Retained earnings to average equity (ytd only) | 5.9168% | 1,587 |
| Net charge-offs to loans | 0.0073% | 3,820 |
| Credit loss provision to net charge-offs | 3,457.1429% | 118 |
| Earnings coverage of net charge-offs (x) | 304.8571% | 285 |
| Efficiency ratio | 64.6161% | 3,512 |
| Assets per employee ($millions) | 3.3203% | 4,917 |
| Cash dividends to net income (ytd only)* | 45.8774% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 3,129 |
| Loan loss allowance to noncurrent loans | 163.2565% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,647 |
| Noncurrent loans to loans | 0.6971% | 2,462 |
| Net loans and leases to total assets | 67.3692% | 2,905 |
| Net loans and leases to deposits | 79.4057% | 2,982 |
| Net loans and leases to core deposits | 80.2847% | 3,397 |
| Total domestic deposits to total assets | 84.8417% | 2,896 |
| Equity capital to assets | 12.2635% | 1,664 |
| Core capital (leverage) ratio | 10.6934% | 2,658 |
| Tier 1 risk-based capital ratio | 13.4343% | 3,667 |
| Total risk-based capital ratio | 14.4166% | 3,728 |
| Memoranda: | ||
| Average total assets | $146,648,000 | 3,512 |
| Average earning assets | $132,880,000 | 3,555 |
| Average equity | $17,306,600 | 3,458 |
| Average total loans | $96,482,600 | 3,404 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 2,064 |
| Cost of funding earning assets | 0.4194% | 2,990 |
| Net interest margin | 3.9440% | 1,878 |
| Noninterest income to average assets | 0.3461% | 4,066 |
| Noninterest expense to average assets | 2.6941% | 3,087 |
| Loan and lease loss provision to assets | 0.1862% | 1,055 |
| Net operating income to assets | 1.0364% | 2,386 |
| Return on assets (ROA) | 1.0364% | 2,422 |
| Pretax return on assets | 1.0364% | 3,538 |
| Return on Equity (ROE) | 8.8684% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.3707% | 2,628 |
| Net charge-offs to loans | 0.0808% | 1,994 |
| Credit loss provision to net charge-offs | 353.4483% | 859 |
| Earnings coverage of net charge-offs (x) | 23.2073% | 1,825 |
| Efficiency ratio | 68.7848% | 2,742 |
| Assets per employee ($millions) | 3.4313% | 4,828 |
| Cash dividends to net income (ytd only)* | 39.4393% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,826 |
| Loan loss allowance to noncurrent loans | 61.5068% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 1,295 |
| Noncurrent loans to loans | 1.6955% | 1,066 |
| Net loans and leases to total assets | 67.2066% | 2,956 |
| Net loans and leases to deposits | 79.2833% | 3,036 |
| Net loans and leases to core deposits | 80.1523% | 3,443 |
| Total domestic deposits to total assets | 84.7677% | 2,809 |
| Equity capital to assets | 12.0225% | 1,952 |
| Core capital (leverage) ratio | 10.5120% | 2,977 |
| Tier 1 risk-based capital ratio | 13.0060% | 4,004 |
| Total risk-based capital ratio | 13.9025% | 4,126 |
| Memoranda: | ||
| Average total assets | $146,787,000 | 3,539 |
| Average earning assets | $132,889,000 | 3,590 |
| Average equity | $17,154,250 | 3,509 |
| Average total loans | $95,714,750 | 3,445 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,087 |
| Cost of funding earning assets | 0.4159% | 2,924 |
| Net interest margin | 3.8961% | 1,941 |
| Noninterest income to average assets | 0.3426% | 4,099 |
| Noninterest expense to average assets | 2.6847% | 3,145 |
| Loan and lease loss provision to assets | 0.1542% | 1,301 |
| Net operating income to assets | 1.0196% | 2,333 |
| Return on assets (ROA) | 1.0196% | 2,378 |
| Pretax return on assets | 1.0196% | 3,482 |
| Return on Equity (ROE) | 8.8093% | 2,600 |
| Retained earnings to average equity (ytd only) | 5.2714% | 2,536 |
| Net charge-offs to loans | 0.0276% | 2,657 |
| Credit loss provision to net charge-offs | 869.2308% | 429 |
| Earnings coverage of net charge-offs (x) | 66.1538% | 875 |
| Efficiency ratio | 69.5791% | 2,754 |
| Assets per employee ($millions) | 3.5986% | 4,580 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,963 |
| Loan loss allowance to noncurrent loans | 74.2007% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9855% | 1,780 |
| Noncurrent loans to loans | 1.3880% | 1,391 |
| Net loans and leases to total assets | 65.0016% | 3,252 |
| Net loans and leases to deposits | 75.3500% | 3,422 |
| Net loans and leases to core deposits | 76.1614% | 3,758 |
| Total domestic deposits to total assets | 86.2662% | 2,263 |
| Equity capital to assets | 11.9269% | 1,978 |
| Core capital (leverage) ratio | 10.3287% | 3,106 |
| Tier 1 risk-based capital ratio | 12.9913% | 4,002 |
| Total risk-based capital ratio | 13.8605% | 4,144 |
| Memoranda: | ||
| Average total assets | $146,533,330 | 3,564 |
| Average earning assets | $132,234,330 | 3,616 |
| Average equity | $16,959,330 | 3,535 |
| Average total loans | $94,217,330 | 3,493 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 1,966 |
| Cost of funding earning assets | 0.4130% | 2,876 |
| Net interest margin | 3.8809% | 1,848 |
| Noninterest income to average assets | 0.3451% | 4,085 |
| Noninterest expense to average assets | 2.6597% | 3,278 |
| Loan and lease loss provision to assets | 0.2082% | 785 |
| Net operating income to assets | 0.9779% | 2,406 |
| Return on assets (ROA) | 0.9779% | 2,458 |
| Pretax return on assets | 0.9779% | 3,469 |
| Return on Equity (ROE) | 8.5815% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.9758% | 2,911 |
| Net charge-offs to loans | 0.0517% | 1,829 |
| Credit loss provision to net charge-offs | 633.3333% | 492 |
| Earnings coverage of net charge-offs (x) | 36.0833% | 1,101 |
| Efficiency ratio | 69.1595% | 3,014 |
| Assets per employee ($millions) | 3.5376% | 4,740 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 4,139 |
| Loan loss allowance to noncurrent loans | 69.9636% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 1,951 |
| Noncurrent loans to loans | 1.4635% | 1,376 |
| Net loans and leases to total assets | 62.5867% | 3,453 |
| Net loans and leases to deposits | 71.7438% | 3,632 |
| Net loans and leases to core deposits | 72.5017% | 3,947 |
| Total domestic deposits to total assets | 87.2363% | 2,095 |
| Equity capital to assets | 11.3429% | 2,313 |
| Core capital (leverage) ratio | 10.1881% | 3,254 |
| Tier 1 risk-based capital ratio | 12.9931% | 4,086 |
| Total risk-based capital ratio | 13.8447% | 4,237 |
| Memoranda: | ||
| Average total assets | $146,029,500 | 3,602 |
| Average earning assets | $131,722,000 | 3,650 |
| Average equity | $16,640,500 | 3,588 |
| Average total loans | $92,875,000 | 3,538 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 2,547 |
| Cost of funding earning assets | 0.4422% | 2,597 |
| Net interest margin | 3.7390% | 2,541 |
| Noninterest income to average assets | 0.3584% | 4,176 |
| Noninterest expense to average assets | 2.6534% | 3,514 |
| Loan and lease loss provision to assets | -0.0625% | 5,619 |
| Net operating income to assets | 1.1329% | 1,759 |
| Return on assets (ROA) | 1.1531% | 1,779 |
| Pretax return on assets | 1.1531% | 2,882 |
| Return on Equity (ROE) | 9.9640% | 1,971 |
| Retained earnings to average equity (ytd only) | 5.7623% | 1,846 |
| Net charge-offs to loans | 0.0492% | 3,062 |
| Credit loss provision to net charge-offs | -214.2857% | 5,018 |
| Earnings coverage of net charge-offs (x) | 36.6905% | 1,253 |
| Efficiency ratio | 71.2554% | 2,702 |
| Assets per employee ($millions) | 3.2609% | 5,088 |
| Cash dividends to net income (ytd only)* | 42.1687% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 4,449 |
| Loan loss allowance to noncurrent loans | 65.1669% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 1,972 |
| Noncurrent loans to loans | 1.5011% | 1,336 |
| Net loans and leases to total assets | 63.3533% | 3,433 |
| Net loans and leases to deposits | 72.9751% | 3,618 |
| Net loans and leases to core deposits | 73.7777% | 3,939 |
| Total domestic deposits to total assets | 86.8150% | 2,238 |
| Equity capital to assets | 11.4496% | 2,214 |
| Core capital (leverage) ratio | 10.1385% | 3,318 |
| Tier 1 risk-based capital ratio | 13.0986% | 4,001 |
| Total risk-based capital ratio | 13.9115% | 4,174 |
| Memoranda: | ||
| Average total assets | $143,964,000 | 3,607 |
| Average earning assets | $129,578,400 | 3,652 |
| Average equity | $16,660,000 | 3,596 |
| Average total loans | $85,329,600 | 3,678 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 2,704 |
| Cost of funding earning assets | 0.4475% | 2,576 |
| Net interest margin | 3.6973% | 2,728 |
| Noninterest income to average assets | 0.3609% | 4,198 |
| Noninterest expense to average assets | 2.6798% | 3,399 |
| Loan and lease loss provision to assets | 0.0093% | 4,055 |
| Net operating income to assets | 0.9975% | 2,445 |
| Return on assets (ROA) | 1.0244% | 2,450 |
| Pretax return on assets | 1.0244% | 3,534 |
| Return on Equity (ROE) | 8.8286% | 2,591 |
| Retained earnings to average equity (ytd only) | 5.2397% | 2,674 |
| Net charge-offs to loans | 0.0016% | 3,884 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 1,090.6992% | 65 |
| Efficiency ratio | 72.6908% | 2,473 |
| Assets per employee ($millions) | 3.1357% | 5,255 |
| Cash dividends to net income (ytd only)* | 40.6508% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 3,318 |
| Loan loss allowance to noncurrent loans | 62.5150% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 1,696 |
| Noncurrent loans to loans | 1.8994% | 1,056 |
| Net loans and leases to total assets | 61.2764% | 3,709 |
| Net loans and leases to deposits | 71.4455% | 3,844 |
| Net loans and leases to core deposits | 72.4354% | 4,125 |
| Total domestic deposits to total assets | 85.7666% | 2,475 |
| Equity capital to assets | 12.2958% | 1,896 |
| Core capital (leverage) ratio | 10.1942% | 3,335 |
| Tier 1 risk-based capital ratio | 13.3390% | 3,958 |
| Total risk-based capital ratio | 14.3172% | 4,027 |
| Memoranda: | ||
| Average total assets | $144,084,750 | 3,620 |
| Average earning assets | $129,605,750 | 3,675 |
| Average equity | $16,718,000 | 3,621 |
| Average total loans | $83,712,500 | 3,736 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 2,872 |
| Cost of funding earning assets | 0.4492% | 2,575 |
| Net interest margin | 3.6484% | 2,901 |
| Noninterest income to average assets | 0.3543% | 4,238 |
| Noninterest expense to average assets | 2.6455% | 3,555 |
| Loan and lease loss provision to assets | 0.0138% | 3,833 |
| Net operating income to assets | 0.9760% | 2,493 |
| Return on assets (ROA) | 1.0160% | 2,453 |
| Pretax return on assets | 1.0160% | 3,528 |
| Return on Equity (ROE) | 8.9294% | 2,527 |
| Retained earnings to average equity (ytd only) | 5.2946% | 2,548 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7721% | 2,552 |
| Assets per employee ($millions) | 3.2640% | 5,122 |
| Cash dividends to net income (ytd only)* | 40.7056% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 3,202 |
| Loan loss allowance to noncurrent loans | 65.9480% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.0981% | 1,928 |
| Noncurrent loans to loans | 1.8619% | 1,091 |
| Net loans and leases to total assets | 58.2512% | 4,092 |
| Net loans and leases to deposits | 67.5255% | 4,223 |
| Net loans and leases to core deposits | 68.4392% | 4,443 |
| Total domestic deposits to total assets | 86.2655% | 2,286 |
| Equity capital to assets | 11.9680% | 2,150 |
| Core capital (leverage) ratio | 9.8136% | 3,798 |
| Tier 1 risk-based capital ratio | 13.4329% | 3,946 |
| Total risk-based capital ratio | 14.4346% | 4,002 |
| Memoranda: | ||
| Average total assets | $145,078,000 | 3,629 |
| Average earning assets | $130,467,000 | 3,683 |
| Average equity | $16,507,330 | 3,659 |
| Average total loans | $82,449,000 | 3,786 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 2,949 |
| Cost of funding earning assets | 0.4517% | 2,562 |
| Net interest margin | 3.6227% | 2,994 |
| Noninterest income to average assets | 0.3511% | 4,214 |
| Noninterest expense to average assets | 2.6528% | 3,568 |
| Loan and lease loss provision to assets | 0.0247% | 3,356 |
| Net operating income to assets | 0.9300% | 2,603 |
| Return on assets (ROA) | 0.9849% | 2,461 |
| Pretax return on assets | 0.9849% | 3,533 |
| Return on Equity (ROE) | 8.8823% | 2,479 |
| Retained earnings to average equity (ytd only) | 5.1710% | 2,836 |
| Net charge-offs to loans | -0.0049% | 4,287 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5361% | 2,549 |
| Assets per employee ($millions) | 3.3158% | 5,101 |
| Cash dividends to net income (ytd only)* | 41.7827% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,975 |
| Loan loss allowance to noncurrent loans | 60.8899% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 1,881 |
| Noncurrent loans to loans | 2.1144% | 991 |
| Net loans and leases to total assets | 54.6551% | 4,387 |
| Net loans and leases to deposits | 62.3750% | 4,556 |
| Net loans and leases to core deposits | 63.7372% | 4,708 |
| Total domestic deposits to total assets | 87.6233% | 1,848 |
| Equity capital to assets | 11.2074% | 2,722 |
| Core capital (leverage) ratio | 9.6323% | 3,991 |
| Tier 1 risk-based capital ratio | 13.5804% | 3,933 |
| Total risk-based capital ratio | 14.6098% | 3,989 |
| Memoranda: | ||
| Average total assets | $145,809,000 | 3,639 |
| Average earning assets | $131,062,500 | 3,699 |
| Average equity | $16,167,000 | 3,705 |
| Average total loans | $81,324,500 | 3,825 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,011 |
| Cost of funding earning assets | 0.4923% | 2,231 |
| Net interest margin | 3.5857% | 3,190 |
| Noninterest income to average assets | 0.1989% | 5,398 |
| Noninterest expense to average assets | 2.6598% | 3,732 |
| Loan and lease loss provision to assets | 0.0193% | 4,024 |
| Net operating income to assets | 0.7386% | 3,628 |
| Return on assets (ROA) | 0.7434% | 3,700 |
| Pretax return on assets | 0.7434% | 4,389 |
| Return on Equity (ROE) | 6.3454% | 3,872 |
| Retained earnings to average equity (ytd only) | -5.4935% | 5,937 |
| Net charge-offs to loans | -0.0655% | 5,646 |
| Credit loss provision to net charge-offs | -53.8462% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8248% | 1,994 |
| Assets per employee ($millions) | 3.3119% | 5,134 |
| Cash dividends to net income (ytd only)* | 186.5741% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 3,122 |
| Loan loss allowance to noncurrent loans | 73.9943% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 2,280 |
| Noncurrent loans to loans | 1.7003% | 1,332 |
| Net loans and leases to total assets | 55.4751% | 4,341 |
| Net loans and leases to deposits | 63.1893% | 4,529 |
| Net loans and leases to core deposits | 64.5671% | 4,701 |
| Total domestic deposits to total assets | 87.7919% | 1,751 |
| Equity capital to assets | 10.9681% | 2,854 |
| Core capital (leverage) ratio | 9.4330% | 4,274 |
| Tier 1 risk-based capital ratio | 13.3563% | 4,074 |
| Total risk-based capital ratio | 14.3745% | 4,147 |
| Memoranda: | ||
| Average total assets | $145,273,000 | 3,642 |
| Average earning assets | $130,406,000 | 3,698 |
| Average equity | $17,020,200 | 3,527 |
| Average total loans | $79,345,000 | 3,843 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,118 |
| Cost of funding earning assets | 0.4991% | 2,221 |
| Net interest margin | 3.5562% | 3,317 |
| Noninterest income to average assets | 0.3628% | 4,332 |
| Noninterest expense to average assets | 2.5580% | 4,021 |
| Loan and lease loss provision to assets | 0.0184% | 3,911 |
| Net operating income to assets | 0.9800% | 2,571 |
| Return on assets (ROA) | 0.9865% | 2,618 |
| Pretax return on assets | 0.9865% | 3,668 |
| Return on Equity (ROE) | 8.2870% | 2,927 |
| Retained earnings to average equity (ytd only) | 4.8148% | 3,037 |
| Net charge-offs to loans | -0.0932% | 5,755 |
| Credit loss provision to net charge-offs | -36.3636% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9267% | 2,895 |
| Assets per employee ($millions) | 3.1891% | 5,312 |
| Cash dividends to net income (ytd only)* | 41.8999% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 3,302 |
| Loan loss allowance to noncurrent loans | 75.4231% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 2,490 |
| Noncurrent loans to loans | 1.6712% | 1,461 |
| Net loans and leases to total assets | 55.9494% | 4,362 |
| Net loans and leases to deposits | 65.0493% | 4,462 |
| Net loans and leases to core deposits | 65.9317% | 4,695 |
| Total domestic deposits to total assets | 86.0107% | 2,514 |
| Equity capital to assets | 12.3099% | 1,868 |
| Core capital (leverage) ratio | 10.6994% | 2,827 |
| Tier 1 risk-based capital ratio | 15.0182% | 3,278 |
| Total risk-based capital ratio | 16.0398% | 3,345 |
| Memoranda: | ||
| Average total assets | $145,160,500 | 3,679 |
| Average earning assets | $130,361,000 | 3,721 |
| Average equity | $17,279,500 | 3,518 |
| Average total loans | $78,713,750 | 3,903 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,239 |
| Cost of funding earning assets | 0.5028% | 2,223 |
| Net interest margin | 3.5086% | 3,464 |
| Noninterest income to average assets | 0.3582% | 4,386 |
| Noninterest expense to average assets | 2.5297% | 4,142 |
| Loan and lease loss provision to assets | 0.0275% | 3,582 |
| Net operating income to assets | 0.9526% | 2,621 |
| Return on assets (ROA) | 0.9526% | 2,739 |
| Pretax return on assets | 0.9526% | 3,765 |
| Return on Equity (ROE) | 8.0930% | 2,995 |
| Retained earnings to average equity (ytd only) | 4.5946% | 3,113 |
| Net charge-offs to loans | -0.1387% | 5,907 |
| Credit loss provision to net charge-offs | -37.0370% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0767% | 2,990 |
| Assets per employee ($millions) | 3.3626% | 5,053 |
| Cash dividends to net income (ytd only)* | 43.2277% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 3,177 |
| Loan loss allowance to noncurrent loans | 73.7752% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9599% | 2,607 |
| Noncurrent loans to loans | 1.7797% | 1,444 |
| Net loans and leases to total assets | 53.2287% | 4,636 |
| Net loans and leases to deposits | 61.6425% | 4,726 |
| Net loans and leases to core deposits | 62.3426% | 4,921 |
| Total domestic deposits to total assets | 86.3507% | 2,507 |
| Equity capital to assets | 11.7371% | 2,215 |
| Core capital (leverage) ratio | 10.3135% | 3,205 |
| Tier 1 risk-based capital ratio | 14.9490% | 3,382 |
| Total risk-based capital ratio | 15.9806% | 3,439 |
| Memoranda: | ||
| Average total assets | $145,710,670 | 3,698 |
| Average earning assets | $130,879,000 | 3,738 |
| Average equity | $17,150,670 | 3,545 |
| Average total loans | $77,845,670 | 3,955 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,204 |
| Cost of funding earning assets | 0.4992% | 2,288 |
| Net interest margin | 3.5094% | 3,397 |
| Noninterest income to average assets | 0.3336% | 4,519 |
| Noninterest expense to average assets | 2.4694% | 4,371 |
| Loan and lease loss provision to assets | 0.0492% | 2,947 |
| Net operating income to assets | 0.9681% | 2,404 |
| Return on assets (ROA) | 0.9681% | 2,537 |
| Pretax return on assets | 0.9681% | 3,614 |
| Return on Equity (ROE) | 8.2132% | 2,849 |
| Retained earnings to average equity (ytd only) | 4.7330% | 3,198 |
| Net charge-offs to loans | -0.2777% | 6,125 |
| Credit loss provision to net charge-offs | -33.3333% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8235% | 3,349 |
| Assets per employee ($millions) | 3.5069% | 4,884 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 3,319 |
| Loan loss allowance to noncurrent loans | 75.9287% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9960% | 2,635 |
| Noncurrent loans to loans | 1.7321% | 1,579 |
| Net loans and leases to total assets | 52.0674% | 4,657 |
| Net loans and leases to deposits | 60.3689% | 4,717 |
| Net loans and leases to core deposits | 61.1901% | 4,898 |
| Total domestic deposits to total assets | 86.2487% | 2,796 |
| Equity capital to assets | 11.8754% | 2,125 |
| Core capital (leverage) ratio | 10.1905% | 3,353 |
| Tier 1 risk-based capital ratio | 14.6609% | 3,619 |
| Total risk-based capital ratio | 15.6837% | 3,683 |
| Memoranda: | ||
| Average total assets | $146,269,500 | 3,709 |
| Average earning assets | $131,419,500 | 3,755 |
| Average equity | $17,240,500 | 3,558 |
| Average total loans | $77,774,000 | 3,967 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 3,788 |
| Cost of funding earning assets | 0.5391% | 2,297 |
| Net interest margin | 3.4428% | 4,012 |
| Noninterest income to average assets | 0.3311% | 4,746 |
| Noninterest expense to average assets | 2.3098% | 5,087 |
| Loan and lease loss provision to assets | 0.0171% | 4,268 |
| Net operating income to assets | 1.1450% | 1,794 |
| Return on assets (ROA) | 1.1648% | 1,772 |
| Pretax return on assets | 1.1648% | 2,801 |
| Return on Equity (ROE) | 11.0150% | 1,720 |
| Retained earnings to average equity (ytd only) | 2.0439% | 4,758 |
| Net charge-offs to loans | 0.1554% | 2,479 |
| Credit loss provision to net charge-offs | 21.3675% | 3,962 |
| Earnings coverage of net charge-offs (x) | 14.5214% | 2,156 |
| Efficiency ratio | 66.5288% | 4,145 |
| Assets per employee ($millions) | 3.5427% | 4,836 |
| Cash dividends to net income (ytd only)* | 81.4445% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 3,879 |
| Loan loss allowance to noncurrent loans | 53.3708% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 2,151 |
| Noncurrent loans to loans | 2.2868% | 1,142 |
| Net loans and leases to total assets | 52.9339% | 4,695 |
| Net loans and leases to deposits | 61.3198% | 4,779 |
| Net loans and leases to core deposits | 62.1646% | 4,988 |
| Total domestic deposits to total assets | 86.3244% | 2,654 |
| Equity capital to assets | 11.6970% | 2,261 |
| Core capital (leverage) ratio | 10.0377% | 3,522 |
| Tier 1 risk-based capital ratio | 14.7051% | 3,656 |
| Total risk-based capital ratio | 15.6722% | 3,757 |
| Memoranda: | ||
| Average total assets | $146,201,200 | 3,688 |
| Average earning assets | $133,378,600 | 3,701 |
| Average equity | $15,460,800 | 3,756 |
| Average total loans | $75,275,200 | 4,014 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,939 |
| Cost of funding earning assets | 0.5403% | 2,369 |
| Net interest margin | 3.4177% | 4,158 |
| Noninterest income to average assets | 0.3269% | 4,819 |
| Noninterest expense to average assets | 2.3327% | 5,019 |
| Loan and lease loss provision to assets | 0.0073% | 4,273 |
| Net operating income to assets | 1.1199% | 1,960 |
| Return on assets (ROA) | 1.1081% | 2,057 |
| Pretax return on assets | 1.1081% | 3,155 |
| Return on Equity (ROE) | 10.7612% | 1,887 |
| Retained earnings to average equity (ytd only) | -0.1769% | 5,829 |
| Net charge-offs to loans | 0.1733% | 2,063 |
| Credit loss provision to net charge-offs | 8.2474% | 3,727 |
| Earnings coverage of net charge-offs (x) | 12.7629% | 2,288 |
| Efficiency ratio | 67.4211% | 3,958 |
| Assets per employee ($millions) | 3.5136% | 4,836 |
| Cash dividends to net income (ytd only)* | 101.6430% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 3,984 |
| Loan loss allowance to noncurrent loans | 39.4617% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 1.8090% | 1,637 |
| Noncurrent loans to loans | 3.1558% | 810 |
| Net loans and leases to total assets | 52.4602% | 4,754 |
| Net loans and leases to deposits | 60.9491% | 4,855 |
| Net loans and leases to core deposits | 61.8004% | 5,048 |
| Total domestic deposits to total assets | 86.0721% | 2,809 |
| Equity capital to assets | 11.0013% | 2,955 |
| Core capital (leverage) ratio | 9.7505% | 3,996 |
| Tier 1 risk-based capital ratio | 14.3486% | 3,989 |
| Total risk-based capital ratio | 15.3177% | 4,104 |
| Memoranda: | ||
| Average total assets | $146,438,750 | 3,720 |
| Average earning assets | $134,237,500 | 3,718 |
| Average equity | $15,078,500 | 3,839 |
| Average total loans | $74,634,750 | 4,061 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,059 |
| Cost of funding earning assets | 0.5407% | 2,428 |
| Net interest margin | 3.3776% | 4,270 |
| Noninterest income to average assets | 0.3151% | 4,891 |
| Noninterest expense to average assets | 2.3011% | 5,150 |
| Loan and lease loss provision to assets | 0.0109% | 4,026 |
| Net operating income to assets | 1.1003% | 1,941 |
| Return on assets (ROA) | 1.1003% | 2,006 |
| Pretax return on assets | 1.1003% | 3,101 |
| Return on Equity (ROE) | 10.9297% | 1,762 |
| Retained earnings to average equity (ytd only) | 6.8817% | 1,822 |
| Net charge-offs to loans | 0.2567% | 1,525 |
| Credit loss provision to net charge-offs | 8.4211% | 3,320 |
| Earnings coverage of net charge-offs (x) | 8.6105% | 2,469 |
| Efficiency ratio | 67.4363% | 4,125 |
| Assets per employee ($millions) | 3.6074% | 4,641 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,890 |
| Loan loss allowance to noncurrent loans | 51.1790% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 2,476 |
| Noncurrent loans to loans | 2.5258% | 1,227 |
| Net loans and leases to total assets | 49.3049% | 5,039 |
| Net loans and leases to deposits | 57.4179% | 5,088 |
| Net loans and leases to core deposits | 58.3426% | 5,246 |
| Total domestic deposits to total assets | 85.8704% | 3,110 |
| Equity capital to assets | 10.8416% | 3,037 |
| Core capital (leverage) ratio | 10.0397% | 3,557 |
| Tier 1 risk-based capital ratio | 15.0851% | 3,588 |
| Total risk-based capital ratio | 16.0692% | 3,681 |
| Memoranda: | ||
| Average total assets | $147,233,000 | 3,724 |
| Average earning assets | $135,005,330 | 3,727 |
| Average equity | $14,822,000 | 3,890 |
| Average total loans | $74,004,670 | 4,104 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,176 |
| Cost of funding earning assets | 0.5411% | 2,491 |
| Net interest margin | 3.3385% | 4,384 |
| Noninterest income to average assets | 0.2777% | 5,152 |
| Noninterest expense to average assets | 2.4234% | 4,863 |
| Loan and lease loss provision to assets | 0.0191% | 3,580 |
| Net operating income to assets | 0.9095% | 2,611 |
| Return on assets (ROA) | 0.9095% | 2,677 |
| Pretax return on assets | 0.9095% | 3,662 |
| Return on Equity (ROE) | 9.3982% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.1774% | 3,006 |
| Net charge-offs to loans | 0.2322% | 1,394 |
| Credit loss provision to net charge-offs | 16.2791% | 2,543 |
| Earnings coverage of net charge-offs (x) | 7.9302% | 2,071 |
| Efficiency ratio | 72.2989% | 3,433 |
| Assets per employee ($millions) | 3.5652% | 4,796 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 3,666 |
| Loan loss allowance to noncurrent loans | 52.5601% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 2,585 |
| Noncurrent loans to loans | 2.6409% | 1,293 |
| Net loans and leases to total assets | 48.8928% | 5,016 |
| Net loans and leases to deposits | 56.9743% | 5,035 |
| Net loans and leases to core deposits | 57.7855% | 5,217 |
| Total domestic deposits to total assets | 85.8154% | 3,453 |
| Equity capital to assets | 10.1681% | 3,641 |
| Core capital (leverage) ratio | 9.6212% | 4,106 |
| Tier 1 risk-based capital ratio | 14.9533% | 3,734 |
| Total risk-based capital ratio | 16.0043% | 3,797 |
| Memoranda: | ||
| Average total assets | $146,898,500 | 3,755 |
| Average earning assets | $135,269,500 | 3,741 |
| Average equity | $14,215,500 | 4,008 |
| Average total loans | $74,068,000 | 4,134 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 3,883 |
| Cost of funding earning assets | 0.5863% | 2,783 |
| Net interest margin | 3.4733% | 4,013 |
| Noninterest income to average assets | 0.3090% | 5,125 |
| Noninterest expense to average assets | 2.2594% | 5,481 |
| Loan and lease loss provision to assets | 0.0242% | 4,641 |
| Net operating income to assets | 1.2471% | 1,405 |
| Return on assets (ROA) | 1.2471% | 1,458 |
| Pretax return on assets | 1.2471% | 2,378 |
| Return on Equity (ROE) | 12.1841% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.1227% | 1,018 |
| Net charge-offs to loans | 0.0365% | 4,716 |
| Credit loss provision to net charge-offs | 134.6154% | 1,746 |
| Earnings coverage of net charge-offs (x) | 70.5769% | 604 |
| Efficiency ratio | 63.9914% | 4,900 |
| Assets per employee ($millions) | 3.5149% | 4,870 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 3,759 |
| Loan loss allowance to noncurrent loans | 54.2708% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 2,690 |
| Noncurrent loans to loans | 2.5376% | 1,478 |
| Net loans and leases to total assets | 50.5473% | 5,021 |
| Net loans and leases to deposits | 60.9198% | 4,841 |
| Net loans and leases to core deposits | 61.8073% | 5,079 |
| Total domestic deposits to total assets | 82.9736% | 4,554 |
| Equity capital to assets | 9.1909% | 4,814 |
| Core capital (leverage) ratio | 9.6642% | 4,034 |
| Tier 1 risk-based capital ratio | 14.3618% | 4,039 |
| Total risk-based capital ratio | 15.4210% | 4,119 |
| Memoranda: | ||
| Average total assets | $144,330,000 | 3,800 |
| Average earning assets | $133,880,000 | 3,755 |
| Average equity | $14,773,400 | 3,908 |
| Average total loans | $71,155,200 | 4,218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,845 |
| Cost of funding earning assets | 0.5951% | 2,852 |
| Net interest margin | 3.4835% | 3,953 |
| Noninterest income to average assets | 0.3066% | 5,248 |
| Noninterest expense to average assets | 2.2967% | 5,354 |
| Loan and lease loss provision to assets | 0.0279% | 4,453 |
| Net operating income to assets | 1.2125% | 1,591 |
| Return on assets (ROA) | 1.2125% | 1,667 |
| Pretax return on assets | 1.2125% | 2,649 |
| Return on Equity (ROE) | 11.5422% | 1,644 |
| Retained earnings to average equity (ytd only) | 7.5621% | 1,613 |
| Net charge-offs to loans | 0.0267% | 4,592 |
| Credit loss provision to net charge-offs | 214.2857% | 1,131 |
| Earnings coverage of net charge-offs (x) | 95.3380% | 514 |
| Efficiency ratio | 64.9330% | 4,659 |
| Assets per employee ($millions) | 3.5898% | 4,669 |
| Cash dividends to net income (ytd only)* | 34.4830% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 3,627 |
| Loan loss allowance to noncurrent loans | 62.5895% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 3,184 |
| Noncurrent loans to loans | 2.3380% | 1,878 |
| Net loans and leases to total assets | 49.1922% | 5,224 |
| Net loans and leases to deposits | 58.6488% | 5,117 |
| Net loans and leases to core deposits | 59.5170% | 5,342 |
| Total domestic deposits to total assets | 83.8758% | 4,243 |
| Equity capital to assets | 9.5256% | 4,521 |
| Core capital (leverage) ratio | 9.5945% | 4,256 |
| Tier 1 risk-based capital ratio | 14.6124% | 4,006 |
| Total risk-based capital ratio | 15.7244% | 4,044 |
| Memoranda: | ||
| Average total assets | $143,506,500 | 3,857 |
| Average earning assets | $133,081,000 | 3,814 |
| Average equity | $15,074,750 | 3,904 |
| Average total loans | $70,028,500 | 4,301 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 3,682 |
| Cost of funding earning assets | 0.6047% | 2,895 |
| Net interest margin | 3.5091% | 3,743 |
| Noninterest income to average assets | 0.3011% | 5,300 |
| Noninterest expense to average assets | 2.2652% | 5,462 |
| Loan and lease loss provision to assets | 0.0376% | 4,195 |
| Net operating income to assets | 1.2420% | 1,481 |
| Return on assets (ROA) | 1.2420% | 1,571 |
| Pretax return on assets | 1.2420% | 2,505 |
| Return on Equity (ROE) | 11.4669% | 1,651 |
| Retained earnings to average equity (ytd only) | 7.6060% | 1,624 |
| Net charge-offs to loans | 0.0259% | 4,335 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 454 |
| Efficiency ratio | 63.9009% | 4,880 |
| Assets per employee ($millions) | 3.5387% | 4,780 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 3,599 |
| Loan loss allowance to noncurrent loans | 58.8466% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 3,148 |
| Noncurrent loans to loans | 2.5462% | 1,811 |
| Net loans and leases to total assets | 47.6224% | 5,360 |
| Net loans and leases to deposits | 57.0752% | 5,241 |
| Net loans and leases to core deposits | 57.6496% | 5,452 |
| Total domestic deposits to total assets | 83.4380% | 4,528 |
| Equity capital to assets | 10.1327% | 3,748 |
| Core capital (leverage) ratio | 9.5437% | 4,176 |
| Tier 1 risk-based capital ratio | 14.5356% | 4,080 |
| Total risk-based capital ratio | 15.6656% | 4,113 |
| Memoranda: | ||
| Average total assets | $143,478,000 | 3,885 |
| Average earning assets | $132,628,000 | 3,852 |
| Average equity | $15,540,330 | 3,846 |
| Average total loans | $69,476,330 | 4,328 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,791 |
| Cost of funding earning assets | 0.6163% | 2,957 |
| Net interest margin | 3.7069% | 2,822 |
| Noninterest income to average assets | 0.3028% | 5,274 |
| Noninterest expense to average assets | 2.2176% | 5,641 |
| Loan and lease loss provision to assets | 0.0364% | 3,982 |
| Net operating income to assets | 1.4551% | 948 |
| Return on assets (ROA) | 1.4551% | 1,025 |
| Pretax return on assets | 1.4551% | 1,698 |
| Return on Equity (ROE) | 13.0075% | 1,173 |
| Retained earnings to average equity (ytd only) | 9.2481% | 1,312 |
| Net charge-offs to loans | 0.0810% | 3,029 |
| Credit loss provision to net charge-offs | 92.8571% | 1,973 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 825 |
| Efficiency ratio | 59.7884% | 5,615 |
| Assets per employee ($millions) | 3.5547% | 4,875 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,884 |
| Loan loss allowance to noncurrent loans | 59.1743% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3110% | 3,340 |
| Noncurrent loans to loans | 2.5121% | 2,059 |
| Net loans and leases to total assets | 48.1011% | 5,213 |
| Net loans and leases to deposits | 55.9356% | 5,250 |
| Net loans and leases to core deposits | 56.4928% | 5,475 |
| Total domestic deposits to total assets | 85.9937% | 3,528 |
| Equity capital to assets | 11.3928% | 2,527 |
| Core capital (leverage) ratio | 9.4971% | 4,086 |
| Tier 1 risk-based capital ratio | 14.4639% | 4,205 |
| Total risk-based capital ratio | 15.5864% | 4,239 |
| Memoranda: | ||
| Average total assets | $142,674,500 | 3,931 |
| Average earning assets | $131,105,500 | 3,918 |
| Average equity | $15,960,000 | 3,827 |
| Average total loans | $69,142,500 | 4,371 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 3,699 |
| Cost of funding earning assets | 0.7567% | 3,041 |
| Net interest margin | 3.6740% | 3,771 |
| Noninterest income to average assets | 0.3255% | 5,130 |
| Noninterest expense to average assets | 2.2043% | 5,916 |
| Loan and lease loss provision to assets | 0.0448% | 5,286 |
| Net operating income to assets | 1.4987% | 920 |
| Return on assets (ROA) | 1.4987% | 1,010 |
| Pretax return on assets | 1.4987% | 1,680 |
| Return on Equity (ROE) | 14.4395% | 913 |
| Retained earnings to average equity (ytd only) | 11.4046% | 393 |
| Net charge-offs to loans | 0.0201% | 5,625 |
| Credit loss provision to net charge-offs | 457.1429% | 526 |
| Earnings coverage of net charge-offs (x) | 157.5000% | 268 |
| Efficiency ratio | 58.8158% | 5,723 |
| Assets per employee ($millions) | 3.5791% | 4,830 |
| Cash dividends to net income (ytd only)* | 21.0182% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,746 |
| Loan loss allowance to noncurrent loans | 62.3792% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 3,360 |
| Noncurrent loans to loans | 2.4049% | 2,222 |
| Net loans and leases to total assets | 47.3775% | 5,472 |
| Net loans and leases to deposits | 55.0338% | 5,544 |
| Net loans and leases to core deposits | 55.8105% | 5,724 |
| Total domestic deposits to total assets | 86.0879% | 3,310 |
| Equity capital to assets | 10.9812% | 2,972 |
| Core capital (leverage) ratio | 9.0662% | 4,792 |
| Tier 1 risk-based capital ratio | 14.4963% | 4,037 |
| Total risk-based capital ratio | 15.6546% | 4,048 |
| Memoranda: | ||
| Average total assets | $142,857,400 | 3,899 |
| Average earning assets | $133,070,000 | 3,842 |
| Average equity | $14,827,400 | 4,002 |
| Average total loans | $69,676,800 | 4,366 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 3,871 |
| Cost of funding earning assets | 0.7730% | 3,163 |
| Net interest margin | 3.6692% | 3,923 |
| Noninterest income to average assets | 0.3203% | 5,224 |
| Noninterest expense to average assets | 2.2365% | 5,861 |
| Loan and lease loss provision to assets | 0.0476% | 5,174 |
| Net operating income to assets | 1.4623% | 1,093 |
| Return on assets (ROA) | 1.4623% | 1,217 |
| Pretax return on assets | 1.4623% | 2,029 |
| Return on Equity (ROE) | 14.2971% | 1,044 |
| Retained earnings to average equity (ytd only) | 11.5582% | 598 |
| Net charge-offs to loans | 0.0095% | 5,579 |
| Credit loss provision to net charge-offs | 1,020.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 323.2309% | 145 |
| Efficiency ratio | 59.6959% | 5,549 |
| Assets per employee ($millions) | 3.5425% | 4,866 |
| Cash dividends to net income (ytd only)* | 19.1571% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 4,347 |
| Loan loss allowance to noncurrent loans | 54.4157% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 3,583 |
| Noncurrent loans to loans | 2.5856% | 2,211 |
| Net loans and leases to total assets | 49.6454% | 5,356 |
| Net loans and leases to deposits | 60.5378% | 5,143 |
| Net loans and leases to core deposits | 61.4206% | 5,413 |
| Total domestic deposits to total assets | 82.0073% | 5,020 |
| Equity capital to assets | 10.5011% | 3,844 |
| Core capital (leverage) ratio | 9.0670% | 4,967 |
| Tier 1 risk-based capital ratio | 13.5355% | 4,864 |
| Total risk-based capital ratio | 14.6492% | 4,906 |
| Memoranda: | ||
| Average total assets | $142,781,000 | 3,943 |
| Average earning assets | $133,323,250 | 3,880 |
| Average equity | $14,604,000 | 4,075 |
| Average total loans | $69,881,000 | 4,404 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 3,932 |
| Cost of funding earning assets | 0.7963% | 3,214 |
| Net interest margin | 3.6659% | 3,972 |
| Noninterest income to average assets | 0.3114% | 5,320 |
| Noninterest expense to average assets | 2.2429% | 5,899 |
| Loan and lease loss provision to assets | 0.0719% | 4,732 |
| Net operating income to assets | 1.4145% | 1,160 |
| Return on assets (ROA) | 1.4145% | 1,294 |
| Pretax return on assets | 1.4145% | 2,147 |
| Return on Equity (ROE) | 13.9561% | 1,133 |
| Retained earnings to average equity (ytd only) | 11.8710% | 605 |
| Net charge-offs to loans | 0.0145% | 5,227 |
| Credit loss provision to net charge-offs | 1,020.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 213 |
| Efficiency ratio | 60.1436% | 5,552 |
| Assets per employee ($millions) | 3.5050% | 4,970 |
| Cash dividends to net income (ytd only)* | 14.9402% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 4,123 |
| Loan loss allowance to noncurrent loans | 50.1218% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 1.5235% | 3,417 |
| Noncurrent loans to loans | 2.9492% | 2,020 |
| Net loans and leases to total assets | 48.9169% | 5,500 |
| Net loans and leases to deposits | 56.7107% | 5,580 |
| Net loans and leases to core deposits | 58.3022% | 5,751 |
| Total domestic deposits to total assets | 86.2569% | 3,218 |
| Equity capital to assets | 10.8045% | 3,335 |
| Core capital (leverage) ratio | 8.4471% | 5,719 |
| Tier 1 risk-based capital ratio | 13.6482% | 4,709 |
| Total risk-based capital ratio | 14.8095% | 4,740 |
| Memoranda: | ||
| Average total assets | $141,960,670 | 3,972 |
| Average earning assets | $132,354,000 | 3,916 |
| Average equity | $14,388,000 | 4,111 |
| Average total loans | $68,796,330 | 4,458 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 4,444 |
| Cost of funding earning assets | 0.8013% | 3,466 |
| Net interest margin | 3.5698% | 4,395 |
| Noninterest income to average assets | 0.3108% | 5,399 |
| Noninterest expense to average assets | 2.2403% | 5,937 |
| Loan and lease loss provision to assets | 0.1344% | 3,670 |
| Net operating income to assets | 1.2797% | 1,505 |
| Return on assets (ROA) | 1.2797% | 1,680 |
| Pretax return on assets | 1.2797% | 2,611 |
| Return on Equity (ROE) | 13.0497% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.3364% | 954 |
| Net charge-offs to loans | 0.0175% | 4,442 |
| Credit loss provision to net charge-offs | 1,600.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 168.3333% | 213 |
| Efficiency ratio | 61.3027% | 5,400 |
| Assets per employee ($millions) | 3.8346% | 4,352 |
| Cash dividends to net income (ytd only)* | 13.1291% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 4,121 |
| Loan loss allowance to noncurrent loans | 54.7682% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3441% | 3,871 |
| Noncurrent loans to loans | 2.7522% | 2,365 |
| Net loans and leases to total assets | 44.9174% | 5,907 |
| Net loans and leases to deposits | 55.9677% | 5,604 |
| Net loans and leases to core deposits | 57.5496% | 5,756 |
| Total domestic deposits to total assets | 80.2558% | 5,789 |
| Equity capital to assets | 9.2953% | 5,100 |
| Core capital (leverage) ratio | 8.6250% | 5,409 |
| Tier 1 risk-based capital ratio | 12.9570% | 5,249 |
| Total risk-based capital ratio | 14.1017% | 5,301 |
| Memoranda: | ||
| Average total assets | $142,840,500 | 3,993 |
| Average earning assets | $133,788,500 | 3,916 |
| Average equity | $14,008,000 | 4,202 |
| Average total loans | $68,389,000 | 4,508 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 4,527 |
| Cost of funding earning assets | 1.1224% | 2,522 |
| Net interest margin | 3.5126% | 5,095 |
| Noninterest income to average assets | 0.2340% | 5,863 |
| Noninterest expense to average assets | 2.3092% | 6,019 |
| Loan and lease loss provision to assets | 0.3484% | 2,913 |
| Net operating income to assets | 0.8337% | 2,900 |
| Return on assets (ROA) | 1.0365% | 2,210 |
| Pretax return on assets | 1.0365% | 3,096 |
| Return on Equity (ROE) | 10.6178% | 1,834 |
| Retained earnings to average equity (ytd only) | 8.5402% | 913 |
| Net charge-offs to loans | 0.5095% | 2,955 |
| Credit loss provision to net charge-offs | 145.3172% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.9305% | 2,939 |
| Efficiency ratio | 65.9544% | 4,781 |
| Assets per employee ($millions) | 3.4033% | 5,237 |
| Cash dividends to net income (ytd only)* | 19.5667% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,317 |
| Loan loss allowance to noncurrent loans | 129.8547% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 5,413 |
| Noncurrent loans to loans | 1.1039% | 4,504 |
| Net loans and leases to total assets | 49.6529% | 5,636 |
| Net loans and leases to deposits | 57.6038% | 5,738 |
| Net loans and leases to core deposits | 60.9988% | 5,754 |
| Total domestic deposits to total assets | 86.1973% | 3,199 |
| Equity capital to assets | 10.3685% | 3,689 |
| Core capital (leverage) ratio | 8.3230% | 5,826 |
| Tier 1 risk-based capital ratio | 12.8376% | 5,208 |
| Total risk-based capital ratio | 13.9605% | 5,277 |
| Memoranda: | ||
| Average total assets | $138,055,200 | 4,009 |
| Average earning assets | $128,023,800 | 3,970 |
| Average equity | $13,477,400 | 4,243 |
| Average total loans | $64,960,800 | 4,678 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 4,714 |
| Cost of funding earning assets | 1.1738% | 2,489 |
| Net interest margin | 3.4643% | 5,343 |
| Noninterest income to average assets | 0.3369% | 5,164 |
| Noninterest expense to average assets | 2.3012% | 6,031 |
| Loan and lease loss provision to assets | 0.3715% | 2,627 |
| Net operating income to assets | 0.8739% | 2,845 |
| Return on assets (ROA) | 1.1434% | 1,952 |
| Pretax return on assets | 1.1434% | 2,846 |
| Return on Equity (ROE) | 11.8934% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.0925% | 618 |
| Net charge-offs to loans | 0.6557% | 2,289 |
| Credit loss provision to net charge-offs | 122.5397% | 2,640 |
| Earnings coverage of net charge-offs (x) | 4.1079% | 3,181 |
| Efficiency ratio | 64.6404% | 4,959 |
| Assets per employee ($millions) | 3.3459% | 5,371 |
| Cash dividends to net income (ytd only)* | 6.7338% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 4,756 |
| Loan loss allowance to noncurrent loans | 300.3322% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 5,714 |
| Noncurrent loans to loans | 0.4506% | 5,941 |
| Net loans and leases to total assets | 48.0307% | 5,950 |
| Net loans and leases to deposits | 55.7767% | 6,052 |
| Net loans and leases to core deposits | 57.3641% | 6,186 |
| Total domestic deposits to total assets | 86.1125% | 3,162 |
| Equity capital to assets | 10.5452% | 3,653 |
| Core capital (leverage) ratio | 8.3387% | 5,929 |
| Tier 1 risk-based capital ratio | 13.0549% | 5,057 |
| Total risk-based capital ratio | 14.1091% | 5,176 |
| Memoranda: | ||
| Average total assets | $138,535,750 | 4,029 |
| Average earning assets | $128,353,750 | 3,984 |
| Average equity | $13,318,000 | 4,286 |
| Average total loans | $64,056,750 | 4,748 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 5,108 |
| Cost of funding earning assets | 1.2152% | 2,474 |
| Net interest margin | 3.3526% | 5,701 |
| Noninterest income to average assets | 0.3079% | 5,432 |
| Noninterest expense to average assets | 2.2721% | 6,193 |
| Loan and lease loss provision to assets | 0.3439% | 2,719 |
| Net operating income to assets | 0.8202% | 2,980 |
| Return on assets (ROA) | 1.2231% | 1,582 |
| Pretax return on assets | 1.2231% | 2,390 |
| Return on Equity (ROE) | 13.1423% | 1,170 |
| Retained earnings to average equity (ytd only) | 11.9054% | 527 |
| Net charge-offs to loans | 0.9375% | 1,663 |
| Credit loss provision to net charge-offs | 80.7432% | 3,747 |
| Earnings coverage of net charge-offs (x) | 2.7331% | 3,476 |
| Efficiency ratio | 65.7454% | 4,923 |
| Assets per employee ($millions) | 3.5677% | 4,762 |
| Cash dividends to net income (ytd only)* | 9.4118% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,564 |
| Loan loss allowance to noncurrent loans | 256.9536% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 5,751 |
| Noncurrent loans to loans | 0.4652% | 5,978 |
| Net loans and leases to total assets | 46.0978% | 6,260 |
| Net loans and leases to deposits | 53.5482% | 6,341 |
| Net loans and leases to core deposits | 55.3003% | 6,474 |
| Total domestic deposits to total assets | 86.0866% | 3,278 |
| Equity capital to assets | 10.0317% | 4,105 |
| Core capital (leverage) ratio | 7.8640% | 6,445 |
| Tier 1 risk-based capital ratio | 12.9401% | 4,964 |
| Total risk-based capital ratio | 13.8650% | 5,216 |
| Memoranda: | ||
| Average total assets | $138,987,330 | 4,041 |
| Average earning assets | $129,688,670 | 3,993 |
| Average equity | $12,935,330 | 4,354 |
| Average total loans | $63,144,670 | 4,824 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 5,383 |
| Cost of funding earning assets | 1.2898% | 2,245 |
| Net interest margin | 3.1967% | 6,078 |
| Noninterest income to average assets | 0.2822% | 5,651 |
| Noninterest expense to average assets | 2.2604% | 6,282 |
| Loan and lease loss provision to assets | 0.2592% | 3,066 |
| Net operating income to assets | 0.7458% | 3,294 |
| Return on assets (ROA) | 1.5521% | 809 |
| Pretax return on assets | 1.5521% | 1,293 |
| Return on Equity (ROE) | 17.3535% | 533 |
| Retained earnings to average equity (ytd only) | 15.4218% | 355 |
| Net charge-offs to loans | 1.0665% | 1,286 |
| Credit loss provision to net charge-offs | 54.2169% | 3,668 |
| Earnings coverage of net charge-offs (x) | 2.1024% | 3,245 |
| Efficiency ratio | 68.4303% | 4,573 |
| Assets per employee ($millions) | 3.6420% | 4,670 |
| Cash dividends to net income (ytd only)* | 11.1317% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 5,448 |
| Loan loss allowance to noncurrent loans | 190.2010% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 5,497 |
| Noncurrent loans to loans | 0.6513% | 5,727 |
| Net loans and leases to total assets | 42.4910% | 6,577 |
| Net loans and leases to deposits | 48.4234% | 6,726 |
| Net loans and leases to core deposits | 49.7375% | 6,788 |
| Total domestic deposits to total assets | 87.7490% | 2,525 |
| Equity capital to assets | 8.8991% | 5,346 |
| Core capital (leverage) ratio | 7.7192% | 6,540 |
| Tier 1 risk-based capital ratio | 12.9609% | 4,856 |
| Total risk-based capital ratio | 13.8895% | 5,105 |
| Memoranda: | ||
| Average total assets | $138,911,500 | 4,078 |
| Average earning assets | $129,633,500 | 4,034 |
| Average equity | $12,424,000 | 4,463 |
| Average total loans | $62,259,000 | 4,891 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 4,820 |
| Cost of funding earning assets | 1.5985% | 2,077 |
| Net interest margin | 3.3446% | 5,813 |
| Noninterest income to average assets | 0.3532% | 5,281 |
| Noninterest expense to average assets | 2.5229% | 5,709 |
| Loan and lease loss provision to assets | 0.3555% | 3,992 |
| Net operating income to assets | 0.5721% | 3,792 |
| Return on assets (ROA) | 0.6606% | 3,534 |
| Pretax return on assets | 0.6606% | 4,125 |
| Return on Equity (ROE) | 6.8209% | 3,202 |
| Retained earnings to average equity (ytd only) | 6.6606% | 1,474 |
| Net charge-offs to loans | 0.4338% | 3,888 |
| Credit loss provision to net charge-offs | 163.5714% | 2,119 |
| Earnings coverage of net charge-offs (x) | 4.2679% | 2,992 |
| Efficiency ratio | 69.2238% | 4,335 |
| Assets per employee ($millions) | 3.4817% | 4,980 |
| Cash dividends to net income (ytd only)* | 2.3502% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,931 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 5,429 |
| Noncurrent loans to loans | 1.4746% | 4,273 |
| Net loans and leases to total assets | 46.0835% | 6,552 |
| Net loans and leases to deposits | 52.6535% | 6,697 |
| Net loans and leases to core deposits | 54.4618% | 6,784 |
| Total domestic deposits to total assets | 87.5223% | 2,535 |
| Equity capital to assets | 8.9906% | 5,154 |
| Core capital (leverage) ratio | 7.5483% | 6,662 |
| Tier 1 risk-based capital ratio | 12.2466% | 5,263 |
| Total risk-based capital ratio | 13.2589% | 5,445 |
| Memoranda: | ||
| Average total assets | $128,820,800 | 4,299 |
| Average earning assets | $119,298,400 | 4,248 |
| Average equity | $12,476,400 | 4,485 |
| Average total loans | $64,552,400 | 4,885 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 4,760 |
| Cost of funding earning assets | 1.6420% | 2,150 |
| Net interest margin | 3.3692% | 5,782 |
| Noninterest income to average assets | 0.3515% | 5,358 |
| Noninterest expense to average assets | 2.6681% | 5,012 |
| Loan and lease loss provision to assets | 0.2948% | 4,223 |
| Net operating income to assets | 0.5036% | 4,297 |
| Return on assets (ROA) | 0.6232% | 3,950 |
| Pretax return on assets | 0.6232% | 4,518 |
| Return on Equity (ROE) | 6.3139% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.3139% | 2,195 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0630% | 3,511 |
| Assets per employee ($millions) | 3.4486% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 4,276 |
| Loan loss allowance to noncurrent loans | 80.5508% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 5,172 |
| Noncurrent loans to loans | 1.7843% | 3,970 |
| Net loans and leases to total assets | 48.9816% | 6,439 |
| Net loans and leases to deposits | 56.8232% | 6,555 |
| Net loans and leases to core deposits | 61.0704% | 6,536 |
| Total domestic deposits to total assets | 86.2002% | 2,975 |
| Equity capital to assets | 9.9752% | 4,187 |
| Core capital (leverage) ratio | 7.6783% | 6,699 |
| Tier 1 risk-based capital ratio | 12.3366% | 5,135 |
| Total risk-based capital ratio | 13.5151% | 5,182 |
| Memoranda: | ||
| Average total assets | $127,079,500 | 4,392 |
| Average earning assets | $117,493,750 | 4,345 |
| Average equity | $12,543,500 | 4,540 |
| Average total loans | $64,838,500 | 4,953 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 4,683 |
| Cost of funding earning assets | 1.6945% | 2,143 |
| Net interest margin | 3.3596% | 5,799 |
| Noninterest income to average assets | 0.3387% | 5,435 |
| Noninterest expense to average assets | 2.7752% | 4,594 |
| Loan and lease loss provision to assets | 0.2481% | 4,441 |
| Net operating income to assets | 0.4151% | 4,687 |
| Return on assets (ROA) | 0.5964% | 4,030 |
| Pretax return on assets | 0.5964% | 4,577 |
| Return on Equity (ROE) | 6.0644% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.0644% | 2,300 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7345% | 2,944 |
| Assets per employee ($millions) | 3.1695% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 5,188 |
| Loan loss allowance to noncurrent loans | 73.3937% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 5,270 |
| Noncurrent loans to loans | 1.7017% | 4,134 |
| Net loans and leases to total assets | 49.3455% | 6,507 |
| Net loans and leases to deposits | 57.2478% | 6,639 |
| Net loans and leases to core deposits | 61.1413% | 6,626 |
| Total domestic deposits to total assets | 86.1963% | 2,978 |
| Equity capital to assets | 9.8837% | 4,161 |
| Core capital (leverage) ratio | 7.6242% | 6,702 |
| Tier 1 risk-based capital ratio | 12.5603% | 4,804 |
| Total risk-based capital ratio | 13.6286% | 4,949 |
| Memoranda: | ||
| Average total assets | $125,757,670 | 4,455 |
| Average earning assets | $116,025,670 | 4,414 |
| Average equity | $12,367,330 | 4,582 |
| Average total loans | $64,743,330 | 4,990 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 4,682 |
| Cost of funding earning assets | 1.7611% | 2,063 |
| Net interest margin | 3.3077% | 5,942 |
| Noninterest income to average assets | 0.3138% | 5,641 |
| Noninterest expense to average assets | 2.7495% | 4,694 |
| Loan and lease loss provision to assets | 0.2846% | 3,752 |
| Net operating income to assets | 0.3235% | 5,198 |
| Return on assets (ROA) | 0.6922% | 3,590 |
| Pretax return on assets | 0.6922% | 4,264 |
| Return on Equity (ROE) | 7.0575% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.0575% | 2,113 |
| Net charge-offs to loans | -0.0062% | 6,831 |
| Credit loss provision to net charge-offs | -8,800.0000% | 6,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7457% | 2,939 |
| Assets per employee ($millions) | 3.1625% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 5,662 |
| Loan loss allowance to noncurrent loans | 72.9412% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 5,376 |
| Noncurrent loans to loans | 1.6028% | 4,342 |
| Net loans and leases to total assets | 49.7202% | 6,493 |
| Net loans and leases to deposits | 57.2245% | 6,679 |
| Net loans and leases to core deposits | 57.9975% | 6,882 |
| Total domestic deposits to total assets | 86.8862% | 2,684 |
| Equity capital to assets | 9.6458% | 4,312 |
| Core capital (leverage) ratio | 7.7011% | 6,623 |
| Tier 1 risk-based capital ratio | 12.5410% | 4,705 |
| Total risk-based capital ratio | 13.5409% | 4,870 |
| Memoranda: | ||
| Average total assets | $123,661,000 | 4,546 |
| Average earning assets | $113,794,500 | 4,523 |
| Average equity | $12,129,000 | 4,682 |
| Average total loans | $64,647,000 | 5,055 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 3,442 |
| Cost of funding earning assets | 2.0978% | 2,467 |
| Net interest margin | 3.5326% | 4,810 |
| Noninterest income to average assets | 0.3954% | 5,239 |
| Noninterest expense to average assets | 2.7764% | 5,070 |
| Loan and lease loss provision to assets | 0.3244% | 4,867 |
| Net operating income to assets | 0.5128% | 3,677 |
| Return on assets (ROA) | 0.4445% | 4,071 |
| Pretax return on assets | 0.4445% | 4,365 |
| Return on Equity (ROE) | 4.2925% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.9115% | 2,475 |
| Net charge-offs to loans | 0.2035% | 5,361 |
| Credit loss provision to net charge-offs | 300.8130% | 1,100 |
| Earnings coverage of net charge-offs (x) | 7.7642% | 2,078 |
| Efficiency ratio | 72.6346% | 4,162 |
| Assets per employee ($millions) | 3.0206% | 6,170 |
| Cash dividends to net income (ytd only)* | 8.8757% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,407 |
| Loan loss allowance to noncurrent loans | 471.2230% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 6,919 |
| Noncurrent loans to loans | 0.2117% | 6,897 |
| Net loans and leases to total assets | 53.7973% | 6,218 |
| Net loans and leases to deposits | 62.0925% | 6,461 |
| Net loans and leases to core deposits | 72.1914% | 6,648 |
| Total domestic deposits to total assets | 86.6407% | 2,684 |
| Equity capital to assets | 9.9783% | 3,789 |
| Core capital (leverage) ratio | 7.8395% | 6,405 |
| Tier 1 risk-based capital ratio | 12.0681% | 4,883 |
| Total risk-based capital ratio | 12.9392% | 5,169 |
| Memoranda: | ||
| Average total assets | $114,068,600 | 4,724 |
| Average earning assets | $103,918,400 | 4,728 |
| Average equity | $11,811,200 | 4,794 |
| Average total loans | $60,456,000 | 5,230 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 3,717 |
| Cost of funding earning assets | 2.1489% | 2,657 |
| Net interest margin | 3.4767% | 4,965 |
| Noninterest income to average assets | 0.3986% | 5,295 |
| Noninterest expense to average assets | 2.7750% | 5,001 |
| Loan and lease loss provision to assets | 0.1246% | 6,109 |
| Net operating income to assets | 0.6644% | 3,339 |
| Return on assets (ROA) | 0.7415% | 3,113 |
| Pretax return on assets | 0.7415% | 3,723 |
| Return on Equity (ROE) | 7.0920% | 3,034 |
| Retained earnings to average equity (ytd only) | 6.6381% | 1,654 |
| Net charge-offs to loans | 0.2750% | 4,325 |
| Credit loss provision to net charge-offs | 86.0656% | 5,590 |
| Earnings coverage of net charge-offs (x) | 5.4509% | 2,821 |
| Efficiency ratio | 73.5686% | 3,943 |
| Assets per employee ($millions) | 2.9190% | 6,357 |
| Cash dividends to net income (ytd only)* | 6.3998% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 7,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 7,266 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 53.6772% | 6,424 |
| Net loans and leases to deposits | 61.8062% | 6,692 |
| Net loans and leases to core deposits | 72.0383% | 6,847 |
| Total domestic deposits to total assets | 86.8475% | 2,257 |
| Equity capital to assets | 10.4007% | 3,617 |
| Core capital (leverage) ratio | 8.2070% | 5,997 |
| Tier 1 risk-based capital ratio | 12.7367% | 4,360 |
| Total risk-based capital ratio | 13.2807% | 4,882 |
| Memoranda: | ||
| Average total assets | $112,380,250 | 4,794 |
| Average earning assets | $102,315,250 | 4,813 |
| Average equity | $11,750,000 | 4,852 |
| Average total loans | $59,156,500 | 5,327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 4,099 |
| Cost of funding earning assets | 2.2080% | 2,758 |
| Net interest margin | 3.3885% | 5,218 |
| Noninterest income to average assets | 0.3949% | 5,335 |
| Noninterest expense to average assets | 2.7912% | 4,995 |
| Loan and lease loss provision to assets | 0.1154% | 5,988 |
| Net operating income to assets | 0.5626% | 3,838 |
| Return on assets (ROA) | 0.6798% | 3,462 |
| Pretax return on assets | 0.6798% | 4,069 |
| Return on Equity (ROE) | 6.4896% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.0592% | 1,991 |
| Net charge-offs to loans | 0.4218% | 3,113 |
| Credit loss provision to net charge-offs | 52.4590% | 5,726 |
| Earnings coverage of net charge-offs (x) | 3.0820% | 3,580 |
| Efficiency ratio | 75.9875% | 3,688 |
| Assets per employee ($millions) | 2.8090% | 6,602 |
| Cash dividends to net income (ytd only)* | 6.6313% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 7,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 7,251 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.1200% | 6,671 |
| Net loans and leases to deposits | 58.8843% | 6,969 |
| Net loans and leases to core deposits | 68.0815% | 7,118 |
| Total domestic deposits to total assets | 88.5126% | 1,525 |
| Equity capital to assets | 10.0936% | 3,820 |
| Core capital (leverage) ratio | 8.1304% | 6,112 |
| Tier 1 risk-based capital ratio | 13.3654% | 3,888 |
| Total risk-based capital ratio | 13.8924% | 4,320 |
| Memoranda: | ||
| Average total assets | $110,920,000 | 4,860 |
| Average earning assets | $100,634,000 | 4,876 |
| Average equity | $11,618,670 | 4,911 |
| Average total loans | $57,853,670 | 5,429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 4,453 |
| Cost of funding earning assets | 2.3208% | 2,614 |
| Net interest margin | 3.2627% | 5,651 |
| Noninterest income to average assets | 0.3848% | 5,340 |
| Noninterest expense to average assets | 2.6243% | 5,345 |
| Loan and lease loss provision to assets | 0.1633% | 4,841 |
| Net operating income to assets | 0.5517% | 4,209 |
| Return on assets (ROA) | 0.7877% | 3,344 |
| Pretax return on assets | 0.7877% | 4,121 |
| Return on Equity (ROE) | 7.3825% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.0423% | 2,195 |
| Net charge-offs to loans | 0.6140% | 1,944 |
| Credit loss provision to net charge-offs | 51.1364% | 4,659 |
| Earnings coverage of net charge-offs (x) | 2.2386% | 3,619 |
| Efficiency ratio | 73.9130% | 3,840 |
| Assets per employee ($millions) | 2.8260% | 6,582 |
| Cash dividends to net income (ytd only)* | 4.6083% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 7,580 |
| Loan loss allowance to noncurrent loans | 36.5000% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 4,345 |
| Noncurrent loans to loans | 1.7634% | 3,621 |
| Net loans and leases to total assets | 51.1228% | 6,761 |
| Net loans and leases to deposits | 58.1100% | 7,027 |
| Net loans and leases to core deposits | 66.8803% | 7,200 |
| Total domestic deposits to total assets | 87.9760% | 1,755 |
| Equity capital to assets | 10.7410% | 3,246 |
| Core capital (leverage) ratio | 8.1288% | 6,230 |
| Tier 1 risk-based capital ratio | 13.5518% | 3,833 |
| Total risk-based capital ratio | 14.1211% | 4,192 |
| Memoranda: | ||
| Average total assets | $110,201,000 | 4,901 |
| Average earning assets | $99,794,000 | 4,922 |
| Average equity | $11,757,500 | 4,912 |
| Average total loans | $57,325,000 | 5,481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0215% | 5,446 |
| Cost of funding earning assets | 2.9075% | 2,237 |
| Net interest margin | 3.1140% | 6,609 |
| Noninterest income to average assets | 0.4266% | 5,244 |
| Noninterest expense to average assets | 2.6313% | 5,529 |
| Loan and lease loss provision to assets | 0.1524% | 5,411 |
| Net operating income to assets | 0.4592% | 4,913 |
| Return on assets (ROA) | 0.2714% | 5,455 |
| Pretax return on assets | 0.2714% | 5,574 |
| Return on Equity (ROE) | 2.7064% | 5,343 |
| Retained earnings to average equity (ytd only) | 1.7425% | 4,162 |
| Net charge-offs to loans | 0.2060% | 4,148 |
| Credit loss provision to net charge-offs | 149.0909% | 3,539 |
| Earnings coverage of net charge-offs (x) | 5.9818% | 3,475 |
| Efficiency ratio | 76.1823% | 3,209 |
| Assets per employee ($millions) | 2.8254% | 6,502 |
| Cash dividends to net income (ytd only)* | 35.6164% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7042% | 7,413 |
| Loan loss allowance to noncurrent loans | 165.8537% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 6,681 |
| Noncurrent loans to loans | 0.4246% | 6,070 |
| Net loans and leases to total assets | 52.2130% | 6,828 |
| Net loans and leases to deposits | 63.0084% | 6,878 |
| Net loans and leases to core deposits | 71.4084% | 7,113 |
| Total domestic deposits to total assets | 82.8667% | 3,825 |
| Equity capital to assets | 10.5972% | 3,395 |
| Core capital (leverage) ratio | 7.9350% | 6,594 |
| Tier 1 risk-based capital ratio | 13.0120% | 4,105 |
| Total risk-based capital ratio | 13.6411% | 4,407 |
| Memoranda: | ||
| Average total assets | $107,588,800 | 4,842 |
| Average earning assets | $97,301,200 | 4,880 |
| Average equity | $10,789,200 | 5,187 |
| Average total loans | $53,397,200 | 5,553 |