Home > Gilmer National Bank, Gilmer, Texas > Performance and Condition Ratios
Gilmer National Bank, Gilmer, Texas, 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 | 5.2934% | 1,500 |
| Cost of funding earning assets | 2.9924% | 145 |
| Net interest margin | 2.3010% | 4,263 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.0497% | 3,517 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.4185% | 3,832 |
| Return on assets (ROA) | 0.4143% | 3,836 |
| Pretax return on assets | 0.5087% | 3,792 |
| Return on Equity (ROE) | 5.1500% | 3,696 |
| Retained earnings to average equity (ytd only) | -0.4184% | 4,133 |
| Net charge-offs to loans | 0.1060% | 869 |
| Credit loss provision to net charge-offs | -67.6329% | 4,466 |
| Earnings coverage of net charge-offs (x) | 7.8744% | 2,377 |
| Efficiency ratio | 81.2428% | 831 |
| Assets per employee ($millions) | 6.7347% | 2,249 |
| Cash dividends to net income (ytd only)* | 108.1289% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,059 |
| Loan loss allowance to noncurrent loans | 89.1507% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 429 |
| Noncurrent loans to loans | 1.6794% | 375 |
| Net loans and leases to total assets | 63.7100% | 2,488 |
| Net loans and leases to deposits | 73.2306% | 2,677 |
| Net loans and leases to core deposits | 82.9745% | 2,527 |
| Total domestic deposits to total assets | 87.0000% | 1,682 |
| Equity capital to assets | 8.9261% | 2,723 |
| Core capital (leverage) ratio | 10.7303% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9254% | 932 |
| Memoranda: | ||
| Average total assets | $344,437,200 | 2,213 |
| Average earning assets | $335,286,800 | 2,151 |
| Average equity | $27,725,200 | 2,380 |
| Average total loans | $195,286,200 | 2,316 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 1,484 |
| Cost of funding earning assets | 2.9933% | 119 |
| Net interest margin | 2.1909% | 4,358 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.9843% | 3,636 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.3856% | 3,988 |
| Return on assets (ROA) | 0.3802% | 3,998 |
| Pretax return on assets | 0.4731% | 3,949 |
| Return on Equity (ROE) | 4.8400% | 3,836 |
| Retained earnings to average equity (ytd only) | 2.0391% | 3,722 |
| Net charge-offs to loans | 0.0546% | 1,122 |
| Credit loss provision to net charge-offs | -101.2658% | 4,524 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,978 |
| Efficiency ratio | 81.5277% | 757 |
| Assets per employee ($millions) | 6.6346% | 2,225 |
| Cash dividends to net income (ytd only)* | 57.8842% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 755 |
| Loan loss allowance to noncurrent loans | 116.0899% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 603 |
| Noncurrent loans to loans | 1.4380% | 513 |
| Net loans and leases to total assets | 61.4700% | 2,706 |
| Net loans and leases to deposits | 69.6960% | 2,860 |
| Net loans and leases to core deposits | 78.0734% | 2,739 |
| Total domestic deposits to total assets | 88.1900% | 1,512 |
| Equity capital to assets | 8.4801% | 2,738 |
| Core capital (leverage) ratio | 10.3024% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9418% | 955 |
| Memoranda: | ||
| Average total assets | $351,413,750 | 2,192 |
| Average earning assets | $342,311,000 | 2,126 |
| Average equity | $27,593,000 | 2,373 |
| Average total loans | $192,928,250 | 2,336 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 1,544 |
| Cost of funding earning assets | 2.9577% | 94 |
| Net interest margin | 2.0527% | 4,481 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.8551% | 3,899 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.3746% | 4,042 |
| Return on assets (ROA) | 0.3746% | 4,059 |
| Pretax return on assets | 0.4652% | 4,022 |
| Return on Equity (ROE) | 4.8800% | 3,891 |
| Retained earnings to average equity (ytd only) | 0.7363% | 3,951 |
| Net charge-offs to loans | 0.0322% | 1,248 |
| Credit loss provision to net charge-offs | -129.0323% | 4,551 |
| Earnings coverage of net charge-offs (x) | 26.0645% | 1,613 |
| Efficiency ratio | 80.7160% | 798 |
| Assets per employee ($millions) | 8.2394% | 1,218 |
| Cash dividends to net income (ytd only)* | 84.9195% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 674 |
| Loan loss allowance to noncurrent loans | 135.2489% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 833 |
| Noncurrent loans to loans | 1.2988% | 546 |
| Net loans and leases to total assets | 48.2700% | 3,668 |
| Net loans and leases to deposits | 52.2314% | 3,830 |
| Net loans and leases to core deposits | 65.6742% | 3,369 |
| Total domestic deposits to total assets | 92.4100% | 342 |
| Equity capital to assets | 7.1904% | 3,694 |
| Core capital (leverage) ratio | 8.6608% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5872% | 1,018 |
| Memoranda: | ||
| Average total assets | $364,610,000 | 2,147 |
| Average earning assets | $355,816,333 | 2,065 |
| Average equity | $27,976,333 | 2,355 |
| Average total loans | $192,265,000 | 2,339 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,970 |
| Cost of funding earning assets | 2.7032% | 68 |
| Net interest margin | 1.9468% | 4,575 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.8410% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3159% | 4,230 |
| Return on assets (ROA) | 0.3159% | 4,189 |
| Pretax return on assets | 0.3895% | 4,147 |
| Return on Equity (ROE) | 3.9800% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.9797% | 3,275 |
| Net charge-offs to loans | -0.0021% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.5381% | 675 |
| Assets per employee ($millions) | 8.4019% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 718 |
| Loan loss allowance to noncurrent loans | 166.3743% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 997 |
| Noncurrent loans to loans | 1.0556% | 687 |
| Net loans and leases to total assets | 48.3600% | 3,605 |
| Net loans and leases to deposits | 52.2990% | 3,777 |
| Net loans and leases to core deposits | 64.8234% | 3,295 |
| Total domestic deposits to total assets | 92.4800% | 406 |
| Equity capital to assets | 7.1985% | 3,731 |
| Core capital (leverage) ratio | 9.8537% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6498% | 1,223 |
| Memoranda: | ||
| Average total assets | $353,288,500 | 2,220 |
| Average earning assets | $344,775,500 | 2,148 |
| Average equity | $28,042,000 | 2,381 |
| Average total loans | $193,270,500 | 2,355 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2586% | 1,144 |
| Cost of funding earning assets | 0.9594% | 195 |
| Net interest margin | 3.2992% | 2,564 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.3599% | 2,544 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9540% | 2,751 |
| Return on assets (ROA) | 0.9567% | 2,690 |
| Pretax return on assets | 1.1868% | 2,480 |
| Return on Equity (ROE) | 8.6000% | 3,231 |
| Retained earnings to average equity (ytd only) | 2.9119% | 3,745 |
| Net charge-offs to loans | 0.1057% | 705 |
| Credit loss provision to net charge-offs | 61.8557% | 1,765 |
| Earnings coverage of net charge-offs (x) | 16.6598% | 1,972 |
| Efficiency ratio | 65.7555% | 2,264 |
| Assets per employee ($millions) | 6.3610% | 2,455 |
| Cash dividends to net income (ytd only)* | 66.1367% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 690 |
| Loan loss allowance to noncurrent loans | 125.9505% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 525 |
| Noncurrent loans to loans | 1.4099% | 470 |
| Net loans and leases to total assets | 60.5500% | 2,591 |
| Net loans and leases to deposits | 66.5258% | 2,854 |
| Net loans and leases to core deposits | 71.5478% | 2,757 |
| Total domestic deposits to total assets | 91.0200% | 948 |
| Equity capital to assets | 8.8736% | 2,439 |
| Core capital (leverage) ratio | 12.2476% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9668% | 833 |
| Memoranda: | ||
| Average total assets | $262,976,400 | 2,647 |
| Average earning assets | $255,577,200 | 2,574 |
| Average equity | $29,259,600 | 2,366 |
| Average total loans | $183,603,600 | 2,345 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 701 |
| Cost of funding earning assets | 0.6380% | 356 |
| Net interest margin | 3.6826% | 1,181 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.4417% | 2,186 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1706% | 1,809 |
| Return on assets (ROA) | 1.1744% | 1,765 |
| Pretax return on assets | 1.4795% | 1,469 |
| Return on Equity (ROE) | 9.9300% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.3228% | 2,257 |
| Net charge-offs to loans | 0.1014% | 609 |
| Credit loss provision to net charge-offs | 86.9565% | 1,391 |
| Earnings coverage of net charge-offs (x) | 20.9710% | 1,696 |
| Efficiency ratio | 61.3463% | 2,923 |
| Assets per employee ($millions) | 5.4603% | 3,266 |
| Cash dividends to net income (ytd only)* | 26.2562% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 644 |
| Loan loss allowance to noncurrent loans | 245.6799% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 949 |
| Noncurrent loans to loans | 0.7590% | 1,068 |
| Net loans and leases to total assets | 72.6800% | 1,210 |
| Net loans and leases to deposits | 81.9188% | 1,449 |
| Net loans and leases to core deposits | 89.2389% | 1,345 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 10.9043% | 1,214 |
| Core capital (leverage) ratio | 13.4846% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5786% | 777 |
| Memoranda: | ||
| Average total assets | $250,798,500 | 2,747 |
| Average earning assets | $243,663,000 | 2,669 |
| Average equity | $29,660,000 | 2,385 |
| Average total loans | $181,468,750 | 2,365 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 585 |
| Cost of funding earning assets | 0.5267% | 444 |
| Net interest margin | 3.7088% | 900 |
| Noninterest income to average assets | 0.4029% | 2,740 |
| Noninterest expense to average assets | 2.3688% | 2,338 |
| Loan and lease loss provision to assets | 0.0957% | 1,037 |
| Net operating income to assets | 1.2166% | 1,378 |
| Return on assets (ROA) | 1.2223% | 1,345 |
| Pretax return on assets | 1.5526% | 1,042 |
| Return on Equity (ROE) | 10.0733% | 2,308 |
| Retained earnings to average equity (ytd only) | 6.2597% | 2,254 |
| Net charge-offs to loans | 0.0611% | 793 |
| Credit loss provision to net charge-offs | 218.1818% | 933 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 1,291 |
| Efficiency ratio | 59.0728% | 3,430 |
| Assets per employee ($millions) | 5.4294% | 3,293 |
| Cash dividends to net income (ytd only)* | 37.8590% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 580 |
| Loan loss allowance to noncurrent loans | 239.0310% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 941 |
| Noncurrent loans to loans | 0.8266% | 1,038 |
| Net loans and leases to total assets | 70.5562% | 1,247 |
| Net loans and leases to deposits | 80.0041% | 1,386 |
| Net loans and leases to core deposits | 87.0478% | 1,265 |
| Total domestic deposits to total assets | 88.1908% | 2,500 |
| Equity capital to assets | 11.5506% | 1,015 |
| Core capital (leverage) ratio | 13.3971% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3584% | 596 |
| Memoranda: | ||
| Average total assets | $250,672,667 | 2,772 |
| Average earning assets | $243,799,333 | 2,700 |
| Average equity | $30,417,000 | 2,397 |
| Average total loans | $179,947,000 | 2,384 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 543 |
| Cost of funding earning assets | 0.4792% | 552 |
| Net interest margin | 3.7010% | 748 |
| Noninterest income to average assets | 0.3855% | 2,779 |
| Noninterest expense to average assets | 2.1327% | 3,036 |
| Loan and lease loss provision to assets | 0.1911% | 388 |
| Net operating income to assets | 1.3187% | 962 |
| Return on assets (ROA) | 1.3300% | 932 |
| Pretax return on assets | 1.6804% | 710 |
| Return on Equity (ROE) | 10.7046% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.7046% | 845 |
| Net charge-offs to loans | 0.0400% | 884 |
| Credit loss provision to net charge-offs | 666.6667% | 438 |
| Earnings coverage of net charge-offs (x) | 64.7778% | 829 |
| Efficiency ratio | 53.4531% | 4,092 |
| Assets per employee ($millions) | 5.4553% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 612 |
| Loan loss allowance to noncurrent loans | 226.1500% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 855 |
| Noncurrent loans to loans | 0.8844% | 1,051 |
| Net loans and leases to total assets | 70.0746% | 1,019 |
| Net loans and leases to deposits | 79.8656% | 1,155 |
| Net loans and leases to core deposits | 86.8432% | 1,087 |
| Total domestic deposits to total assets | 87.7407% | 2,650 |
| Equity capital to assets | 12.0453% | 937 |
| Core capital (leverage) ratio | 13.2466% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7860% | 788 |
| Memoranda: | ||
| Average total assets | $251,132,000 | 2,779 |
| Average earning assets | $244,584,500 | 2,711 |
| Average equity | $31,201,500 | 2,425 |
| Average total loans | $180,036,000 | 2,378 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2368% | 934 |
| Cost of funding earning assets | 0.5593% | 668 |
| Net interest margin | 3.6775% | 1,272 |
| Noninterest income to average assets | 0.3222% | 3,479 |
| Noninterest expense to average assets | 2.4092% | 2,462 |
| Loan and lease loss provision to assets | 0.1920% | 578 |
| Net operating income to assets | 1.0346% | 2,539 |
| Return on assets (ROA) | 1.0572% | 2,525 |
| Pretax return on assets | 1.3277% | 2,273 |
| Return on Equity (ROE) | 7.9747% | 3,227 |
| Retained earnings to average equity (ytd only) | 0.0213% | 4,479 |
| Net charge-offs to loans | 0.0464% | 1,360 |
| Credit loss provision to net charge-offs | 579.2683% | 741 |
| Earnings coverage of net charge-offs (x) | 44.9878% | 1,366 |
| Efficiency ratio | 61.7641% | 2,904 |
| Assets per employee ($millions) | 5.3472% | 3,419 |
| Cash dividends to net income (ytd only)* | 99.7323% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 689 |
| Loan loss allowance to noncurrent loans | 143.7345% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 588 |
| Noncurrent loans to loans | 1.3430% | 699 |
| Net loans and leases to total assets | 70.4870% | 984 |
| Net loans and leases to deposits | 80.9398% | 1,137 |
| Net loans and leases to core deposits | 88.3100% | 1,057 |
| Total domestic deposits to total assets | 87.0858% | 2,480 |
| Equity capital to assets | 12.8028% | 959 |
| Core capital (leverage) ratio | 13.0868% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8200% | 674 |
| Memoranda: | ||
| Average total assets | $247,343,800 | 2,745 |
| Average earning assets | $240,679,200 | 2,675 |
| Average equity | $32,791,400 | 2,393 |
| Average total loans | $176,798,600 | 2,406 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 932 |
| Cost of funding earning assets | 0.5822% | 696 |
| Net interest margin | 3.7317% | 1,272 |
| Noninterest income to average assets | 0.2836% | 3,747 |
| Noninterest expense to average assets | 2.3917% | 2,465 |
| Loan and lease loss provision to assets | 0.1624% | 676 |
| Net operating income to assets | 1.0790% | 2,631 |
| Return on assets (ROA) | 1.1090% | 2,574 |
| Pretax return on assets | 1.3958% | 2,349 |
| Return on Equity (ROE) | 8.2923% | 3,317 |
| Retained earnings to average equity (ytd only) | 2.1206% | 4,160 |
| Net charge-offs to loans | 0.0303% | 1,446 |
| Credit loss provision to net charge-offs | 750.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 70.2250% | 1,063 |
| Efficiency ratio | 61.1372% | 2,813 |
| Assets per employee ($millions) | 5.0711% | 3,632 |
| Cash dividends to net income (ytd only)* | 74.4265% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 703 |
| Loan loss allowance to noncurrent loans | 225.5548% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 1,079 |
| Noncurrent loans to loans | 0.8634% | 1,333 |
| Net loans and leases to total assets | 67.9590% | 1,328 |
| Net loans and leases to deposits | 78.6658% | 1,418 |
| Net loans and leases to core deposits | 86.1005% | 1,285 |
| Total domestic deposits to total assets | 86.3895% | 2,602 |
| Equity capital to assets | 13.1851% | 932 |
| Core capital (leverage) ratio | 13.3022% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5819% | 739 |
| Memoranda: | ||
| Average total assets | $246,349,750 | 2,776 |
| Average earning assets | $239,527,750 | 2,704 |
| Average equity | $32,945,250 | 2,418 |
| Average total loans | $175,839,500 | 2,453 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 1,019 |
| Cost of funding earning assets | 0.6139% | 696 |
| Net interest margin | 3.6774% | 1,399 |
| Noninterest income to average assets | 0.2842% | 3,724 |
| Noninterest expense to average assets | 2.4247% | 2,380 |
| Loan and lease loss provision to assets | 0.2443% | 406 |
| Net operating income to assets | 0.9507% | 3,062 |
| Return on assets (ROA) | 0.9624% | 3,108 |
| Pretax return on assets | 1.2050% | 2,891 |
| Return on Equity (ROE) | 7.1623% | 3,616 |
| Retained earnings to average equity (ytd only) | 3.7690% | 3,593 |
| Net charge-offs to loans | 0.0497% | 1,128 |
| Credit loss provision to net charge-offs | 681.8182% | 585 |
| Earnings coverage of net charge-offs (x) | 40.0455% | 1,165 |
| Efficiency ratio | 62.8270% | 2,610 |
| Assets per employee ($millions) | 5.0537% | 3,614 |
| Cash dividends to net income (ytd only)* | 47.3773% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 735 |
| Loan loss allowance to noncurrent loans | 207.1075% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 974 |
| Noncurrent loans to loans | 0.9185% | 1,343 |
| Net loans and leases to total assets | 69.7814% | 1,227 |
| Net loans and leases to deposits | 80.8466% | 1,347 |
| Net loans and leases to core deposits | 89.2331% | 1,188 |
| Total domestic deposits to total assets | 86.3134% | 2,621 |
| Equity capital to assets | 13.3260% | 862 |
| Core capital (leverage) ratio | 13.2857% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7528% | 633 |
| Memoranda: | ||
| Average total assets | $245,638,000 | 2,768 |
| Average earning assets | $238,809,333 | 2,700 |
| Average equity | $33,006,000 | 2,406 |
| Average total loans | $177,045,333 | 2,457 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 933 |
| Cost of funding earning assets | 0.6471% | 710 |
| Net interest margin | 3.7350% | 1,259 |
| Noninterest income to average assets | 0.3581% | 3,296 |
| Noninterest expense to average assets | 2.3953% | 2,503 |
| Loan and lease loss provision to assets | 0.3679% | 220 |
| Net operating income to assets | 0.9942% | 2,827 |
| Return on assets (ROA) | 1.0366% | 2,767 |
| Pretax return on assets | 1.2802% | 2,624 |
| Return on Equity (ROE) | 7.6826% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.6826% | 2,355 |
| Net charge-offs to loans | 0.0203% | 1,334 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 108.4444% | 587 |
| Efficiency ratio | 60.0164% | 3,032 |
| Assets per employee ($millions) | 5.0228% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 826 |
| Loan loss allowance to noncurrent loans | 145.0482% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 752 |
| Noncurrent loans to loans | 1.2612% | 1,025 |
| Net loans and leases to total assets | 72.1756% | 994 |
| Net loans and leases to deposits | 83.6441% | 1,187 |
| Net loans and leases to core deposits | 91.8723% | 1,125 |
| Total domestic deposits to total assets | 86.2889% | 2,630 |
| Equity capital to assets | 13.4437% | 797 |
| Core capital (leverage) ratio | 13.5247% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0445% | 782 |
| Memoranda: | ||
| Average total assets | $244,642,500 | 2,759 |
| Average earning assets | $237,967,500 | 2,694 |
| Average equity | $33,009,500 | 2,394 |
| Average total loans | $177,493,000 | 2,454 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 856 |
| Cost of funding earning assets | 0.9669% | 677 |
| Net interest margin | 3.7551% | 1,629 |
| Noninterest income to average assets | 0.3253% | 3,514 |
| Noninterest expense to average assets | 2.3201% | 3,353 |
| Loan and lease loss provision to assets | 0.4749% | 561 |
| Net operating income to assets | 0.9053% | 2,672 |
| Return on assets (ROA) | 0.9184% | 2,749 |
| Pretax return on assets | 1.1542% | 2,500 |
| Return on Equity (ROE) | 6.6646% | 3,342 |
| Retained earnings to average equity (ytd only) | 2.0741% | 3,797 |
| Net charge-offs to loans | 0.4488% | 369 |
| Credit loss provision to net charge-offs | 150.6667% | 2,420 |
| Earnings coverage of net charge-offs (x) | 5.1160% | 2,899 |
| Efficiency ratio | 58.9933% | 3,591 |
| Assets per employee ($millions) | 5.0660% | 3,323 |
| Cash dividends to net income (ytd only)* | 68.8787% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 888 |
| Loan loss allowance to noncurrent loans | 152.4889% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 978 |
| Noncurrent loans to loans | 1.1658% | 1,220 |
| Net loans and leases to total assets | 70.2994% | 1,519 |
| Net loans and leases to deposits | 81.5272% | 1,705 |
| Net loans and leases to core deposits | 89.9868% | 1,526 |
| Total domestic deposits to total assets | 86.2282% | 2,261 |
| Equity capital to assets | 13.5428% | 921 |
| Core capital (leverage) ratio | 13.2435% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8136% | 600 |
| Memoranda: | ||
| Average total assets | $237,920,600 | 2,669 |
| Average earning assets | $228,570,200 | 2,609 |
| Average equity | $32,785,200 | 2,343 |
| Average total loans | $167,108,000 | 2,510 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 951 |
| Cost of funding earning assets | 1.0270% | 696 |
| Net interest margin | 3.7325% | 1,827 |
| Noninterest income to average assets | 0.3268% | 3,531 |
| Noninterest expense to average assets | 2.3154% | 3,380 |
| Loan and lease loss provision to assets | 0.3550% | 1,063 |
| Net operating income to assets | 0.9873% | 2,381 |
| Return on assets (ROA) | 0.9873% | 2,517 |
| Pretax return on assets | 1.2301% | 2,287 |
| Return on Equity (ROE) | 7.1330% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.9548% | 2,577 |
| Net charge-offs to loans | 0.3531% | 448 |
| Credit loss provision to net charge-offs | 143.8356% | 2,361 |
| Earnings coverage of net charge-offs (x) | 6.4224% | 2,649 |
| Efficiency ratio | 59.3615% | 3,477 |
| Assets per employee ($millions) | 5.2111% | 3,005 |
| Cash dividends to net income (ytd only)* | 30.5365% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 852 |
| Loan loss allowance to noncurrent loans | 114.6351% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.1832% | 860 |
| Noncurrent loans to loans | 1.5049% | 949 |
| Net loans and leases to total assets | 67.5904% | 2,297 |
| Net loans and leases to deposits | 78.7736% | 2,449 |
| Net loans and leases to core deposits | 86.7946% | 2,247 |
| Total domestic deposits to total assets | 85.8034% | 2,149 |
| Equity capital to assets | 13.6847% | 947 |
| Core capital (leverage) ratio | 13.5329% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9705% | 683 |
| Memoranda: | ||
| Average total assets | $236,608,250 | 2,657 |
| Average earning assets | $226,546,000 | 2,604 |
| Average equity | $32,748,500 | 2,339 |
| Average total loans | $165,374,750 | 2,529 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 1,016 |
| Cost of funding earning assets | 1.0803% | 756 |
| Net interest margin | 3.7933% | 1,854 |
| Noninterest income to average assets | 0.3404% | 3,434 |
| Noninterest expense to average assets | 2.3666% | 3,356 |
| Loan and lease loss provision to assets | 0.2822% | 1,521 |
| Net operating income to assets | 1.0400% | 2,187 |
| Return on assets (ROA) | 1.0400% | 2,319 |
| Pretax return on assets | 1.3043% | 2,017 |
| Return on Equity (ROE) | 7.4848% | 2,941 |
| Retained earnings to average equity (ytd only) | 4.1918% | 2,824 |
| Net charge-offs to loans | 0.2336% | 674 |
| Credit loss provision to net charge-offs | 171.8750% | 2,026 |
| Earnings coverage of net charge-offs (x) | 9.6615% | 2,205 |
| Efficiency ratio | 59.8659% | 3,424 |
| Assets per employee ($millions) | 5.3076% | 2,828 |
| Cash dividends to net income (ytd only)* | 43.9967% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 806 |
| Loan loss allowance to noncurrent loans | 80.8849% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4852% | 629 |
| Noncurrent loans to loans | 2.1064% | 610 |
| Net loans and leases to total assets | 65.9615% | 2,635 |
| Net loans and leases to deposits | 76.3667% | 2,822 |
| Net loans and leases to core deposits | 84.0193% | 2,600 |
| Total domestic deposits to total assets | 86.3748% | 1,855 |
| Equity capital to assets | 13.1959% | 1,079 |
| Core capital (leverage) ratio | 13.6606% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6883% | 705 |
| Memoranda: | ||
| Average total assets | $233,836,333 | 2,648 |
| Average earning assets | $222,707,333 | 2,604 |
| Average equity | $32,492,333 | 2,338 |
| Average total loans | $164,349,333 | 2,529 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1527% | 714 |
| Cost of funding earning assets | 1.1715% | 845 |
| Net interest margin | 3.9812% | 1,436 |
| Noninterest income to average assets | 0.3787% | 3,242 |
| Noninterest expense to average assets | 2.4210% | 3,493 |
| Loan and lease loss provision to assets | 0.2124% | 1,442 |
| Net operating income to assets | 1.2246% | 1,443 |
| Return on assets (ROA) | 1.2246% | 1,551 |
| Pretax return on assets | 1.5343% | 1,222 |
| Return on Equity (ROE) | 8.5751% | 2,288 |
| Retained earnings to average equity (ytd only) | 8.5751% | 1,083 |
| Net charge-offs to loans | 0.1892% | 719 |
| Credit loss provision to net charge-offs | 155.8442% | 1,565 |
| Earnings coverage of net charge-offs (x) | 12.8182% | 1,678 |
| Efficiency ratio | 58.0892% | 3,983 |
| Assets per employee ($millions) | 4.6233% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 925 |
| Loan loss allowance to noncurrent loans | 75.2456% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 576 |
| Noncurrent loans to loans | 2.2138% | 606 |
| Net loans and leases to total assets | 71.8417% | 1,945 |
| Net loans and leases to deposits | 84.3777% | 2,183 |
| Net loans and leases to core deposits | 93.3735% | 2,028 |
| Total domestic deposits to total assets | 85.1431% | 2,356 |
| Equity capital to assets | 14.4588% | 910 |
| Core capital (leverage) ratio | 14.4194% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6843% | 675 |
| Memoranda: | ||
| Average total assets | $226,026,500 | 2,664 |
| Average earning assets | $215,110,500 | 2,615 |
| Average equity | $32,279,500 | 2,341 |
| Average total loans | $162,825,500 | 2,519 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 1,504 |
| Cost of funding earning assets | 1.1440% | 1,172 |
| Net interest margin | 3.8486% | 2,340 |
| Noninterest income to average assets | 0.4591% | 2,955 |
| Noninterest expense to average assets | 2.3884% | 3,715 |
| Loan and lease loss provision to assets | 0.3066% | 538 |
| Net operating income to assets | 1.1264% | 2,350 |
| Return on assets (ROA) | 1.1250% | 2,450 |
| Pretax return on assets | 1.4393% | 2,015 |
| Return on Equity (ROE) | 7.9933% | 3,161 |
| Retained earnings to average equity (ytd only) | 2.8817% | 3,594 |
| Net charge-offs to loans | 0.3307% | 627 |
| Credit loss provision to net charge-offs | 131.4066% | 1,942 |
| Earnings coverage of net charge-offs (x) | 7.4894% | 2,870 |
| Efficiency ratio | 57.7454% | 4,005 |
| Assets per employee ($millions) | 4.6982% | 2,950 |
| Cash dividends to net income (ytd only)* | 63.9488% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 812 |
| Loan loss allowance to noncurrent loans | 76.7534% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 575 |
| Noncurrent loans to loans | 2.2080% | 558 |
| Net loans and leases to total assets | 69.8096% | 2,431 |
| Net loans and leases to deposits | 81.4475% | 2,623 |
| Net loans and leases to core deposits | 90.5488% | 2,371 |
| Total domestic deposits to total assets | 85.7112% | 2,186 |
| Equity capital to assets | 14.1030% | 1,057 |
| Core capital (leverage) ratio | 14.0866% | 909 |
| Tier 1 risk-based capital ratio | 20.1258% | 1,310 |
| Total risk-based capital ratio | 21.3813% | 1,281 |
| Memoranda: | ||
| Average total assets | $222,405,600 | 2,638 |
| Average earning assets | $212,495,000 | 2,585 |
| Average equity | $31,301,400 | 2,328 |
| Average total loans | $156,918,600 | 2,548 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 1,644 |
| Cost of funding earning assets | 1.1242% | 1,262 |
| Net interest margin | 3.8383% | 2,472 |
| Noninterest income to average assets | 0.4915% | 2,785 |
| Noninterest expense to average assets | 2.3618% | 3,792 |
| Loan and lease loss provision to assets | 0.2960% | 504 |
| Net operating income to assets | 1.1852% | 2,248 |
| Return on assets (ROA) | 1.1833% | 2,337 |
| Pretax return on assets | 1.5016% | 1,951 |
| Return on Equity (ROE) | 8.4123% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.8463% | 2,437 |
| Net charge-offs to loans | 0.2895% | 607 |
| Credit loss provision to net charge-offs | 145.1327% | 1,677 |
| Earnings coverage of net charge-offs (x) | 8.8259% | 2,618 |
| Efficiency ratio | 56.7505% | 4,092 |
| Assets per employee ($millions) | 5.0395% | 2,509 |
| Cash dividends to net income (ytd only)* | 30.5033% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 785 |
| Loan loss allowance to noncurrent loans | 73.8193% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 647 |
| Noncurrent loans to loans | 2.3298% | 524 |
| Net loans and leases to total assets | 68.1382% | 2,771 |
| Net loans and leases to deposits | 79.8315% | 2,917 |
| Net loans and leases to core deposits | 88.7588% | 2,659 |
| Total domestic deposits to total assets | 85.3525% | 2,272 |
| Equity capital to assets | 14.1871% | 1,080 |
| Core capital (leverage) ratio | 14.3273% | 896 |
| Tier 1 risk-based capital ratio | 20.7588% | 1,221 |
| Total risk-based capital ratio | 22.0145% | 1,194 |
| Memoranda: | ||
| Average total assets | $221,629,000 | 2,668 |
| Average earning assets | $211,930,250 | 2,618 |
| Average equity | $31,175,750 | 2,351 |
| Average total loans | $156,112,500 | 2,583 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,727 |
| Cost of funding earning assets | 1.0892% | 1,340 |
| Net interest margin | 3.8185% | 2,525 |
| Noninterest income to average assets | 0.4265% | 3,089 |
| Noninterest expense to average assets | 2.2964% | 4,011 |
| Loan and lease loss provision to assets | 0.3292% | 401 |
| Net operating income to assets | 1.1341% | 2,391 |
| Return on assets (ROA) | 1.1341% | 2,470 |
| Pretax return on assets | 1.4515% | 2,022 |
| Return on Equity (ROE) | 8.0860% | 3,256 |
| Retained earnings to average equity (ytd only) | 4.1954% | 3,152 |
| Net charge-offs to loans | 0.2440% | 691 |
| Credit loss provision to net charge-offs | 190.5263% | 1,262 |
| Earnings coverage of net charge-offs (x) | 10.3053% | 2,275 |
| Efficiency ratio | 56.3239% | 4,210 |
| Assets per employee ($millions) | 4.9859% | 2,493 |
| Cash dividends to net income (ytd only)* | 48.1155% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 763 |
| Loan loss allowance to noncurrent loans | 87.0803% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.5408% | 716 |
| Noncurrent loans to loans | 1.9995% | 717 |
| Net loans and leases to total assets | 68.4909% | 2,754 |
| Net loans and leases to deposits | 79.9839% | 2,957 |
| Net loans and leases to core deposits | 88.5568% | 2,744 |
| Total domestic deposits to total assets | 85.6309% | 2,211 |
| Equity capital to assets | 13.9809% | 1,127 |
| Core capital (leverage) ratio | 14.0323% | 950 |
| Tier 1 risk-based capital ratio | 20.2864% | 1,294 |
| Total risk-based capital ratio | 21.5422% | 1,264 |
| Memoranda: | ||
| Average total assets | $219,913,330 | 2,692 |
| Average earning assets | $210,242,000 | 2,634 |
| Average equity | $30,843,330 | 2,363 |
| Average total loans | $155,741,670 | 2,598 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 1,790 |
| Cost of funding earning assets | 1.0197% | 1,481 |
| Net interest margin | 3.8205% | 2,445 |
| Noninterest income to average assets | 0.4226% | 3,033 |
| Noninterest expense to average assets | 2.3005% | 4,020 |
| Loan and lease loss provision to assets | 0.2572% | 558 |
| Net operating income to assets | 1.1944% | 2,078 |
| Return on assets (ROA) | 1.1944% | 2,128 |
| Pretax return on assets | 1.5067% | 1,740 |
| Return on Equity (ROE) | 8.5020% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.5020% | 1,488 |
| Net charge-offs to loans | 0.1416% | 898 |
| Credit loss provision to net charge-offs | 254.5455% | 912 |
| Earnings coverage of net charge-offs (x) | 17.4545% | 1,659 |
| Efficiency ratio | 56.6004% | 4,259 |
| Assets per employee ($millions) | 4.9965% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 895 |
| Loan loss allowance to noncurrent loans | 82.5815% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 661 |
| Noncurrent loans to loans | 2.0362% | 721 |
| Net loans and leases to total assets | 68.5496% | 2,688 |
| Net loans and leases to deposits | 79.7815% | 2,865 |
| Net loans and leases to core deposits | 87.6086% | 2,728 |
| Total domestic deposits to total assets | 85.9217% | 2,311 |
| Equity capital to assets | 13.8297% | 1,100 |
| Core capital (leverage) ratio | 14.5977% | 789 |
| Tier 1 risk-based capital ratio | 20.1991% | 1,307 |
| Total risk-based capital ratio | 21.4544% | 1,271 |
| Memoranda: | ||
| Average total assets | $217,688,000 | 2,739 |
| Average earning assets | $207,510,000 | 2,694 |
| Average equity | $30,581,000 | 2,380 |
| Average total loans | $155,416,500 | 2,635 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 1,555 |
| Cost of funding earning assets | 0.8475% | 1,319 |
| Net interest margin | 3.9473% | 2,169 |
| Noninterest income to average assets | 0.4373% | 3,190 |
| Noninterest expense to average assets | 2.4194% | 3,831 |
| Loan and lease loss provision to assets | 0.4121% | 325 |
| Net operating income to assets | 1.0546% | 2,783 |
| Return on assets (ROA) | 1.0531% | 2,778 |
| Pretax return on assets | 1.3210% | 2,429 |
| Return on Equity (ROE) | 7.6717% | 3,587 |
| Retained earnings to average equity (ytd only) | 2.5017% | 4,144 |
| Net charge-offs to loans | 0.5011% | 356 |
| Credit loss provision to net charge-offs | 120.0000% | 2,167 |
| Earnings coverage of net charge-offs (x) | 5.0520% | 3,226 |
| Efficiency ratio | 58.2387% | 4,128 |
| Assets per employee ($millions) | 4.5768% | 3,051 |
| Cash dividends to net income (ytd only)* | 67.3913% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 914 |
| Loan loss allowance to noncurrent loans | 73.5582% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8809% | 529 |
| Noncurrent loans to loans | 2.2510% | 573 |
| Net loans and leases to total assets | 71.9683% | 2,262 |
| Net loans and leases to deposits | 84.0967% | 2,501 |
| Net loans and leases to core deposits | 88.0672% | 2,749 |
| Total domestic deposits to total assets | 85.5780% | 2,403 |
| Equity capital to assets | 14.2814% | 897 |
| Core capital (leverage) ratio | 14.4861% | 800 |
| Tier 1 risk-based capital ratio | 20.2164% | 1,269 |
| Total risk-based capital ratio | 21.4711% | 1,248 |
| Memoranda: | ||
| Average total assets | $218,400,200 | 2,706 |
| Average earning assets | $205,658,000 | 2,672 |
| Average equity | $29,980,200 | 2,335 |
| Average total loans | $149,665,200 | 2,646 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,682 |
| Cost of funding earning assets | 0.8128% | 1,273 |
| Net interest margin | 3.8852% | 2,358 |
| Noninterest income to average assets | 0.4592% | 3,110 |
| Noninterest expense to average assets | 2.3808% | 3,898 |
| Loan and lease loss provision to assets | 0.3297% | 425 |
| Net operating income to assets | 1.1437% | 2,465 |
| Return on assets (ROA) | 1.1417% | 2,495 |
| Pretax return on assets | 1.3988% | 2,234 |
| Return on Equity (ROE) | 8.3981% | 3,382 |
| Retained earnings to average equity (ytd only) | 5.7278% | 2,807 |
| Net charge-offs to loans | 0.4191% | 381 |
| Credit loss provision to net charge-offs | 116.7024% | 2,028 |
| Earnings coverage of net charge-offs (x) | 6.1263% | 2,912 |
| Efficiency ratio | 57.9017% | 4,141 |
| Assets per employee ($millions) | 4.9237% | 2,562 |
| Cash dividends to net income (ytd only)* | 31.7965% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,021 |
| Loan loss allowance to noncurrent loans | 82.1405% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.7019% | 721 |
| Noncurrent loans to loans | 1.9781% | 751 |
| Net loans and leases to total assets | 69.2800% | 2,763 |
| Net loans and leases to deposits | 80.9766% | 2,930 |
| Net loans and leases to core deposits | 84.2777% | 3,135 |
| Total domestic deposits to total assets | 85.5556% | 2,369 |
| Equity capital to assets | 14.0092% | 957 |
| Core capital (leverage) ratio | 14.4400% | 837 |
| Tier 1 risk-based capital ratio | 20.4956% | 1,248 |
| Total risk-based capital ratio | 21.7498% | 1,222 |
| Memoranda: | ||
| Average total assets | $220,367,000 | 2,705 |
| Average earning assets | $207,174,500 | 2,673 |
| Average equity | $29,958,500 | 2,340 |
| Average total loans | $148,564,500 | 2,679 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 1,715 |
| Cost of funding earning assets | 0.7722% | 1,272 |
| Net interest margin | 3.8505% | 2,380 |
| Noninterest income to average assets | 0.4323% | 3,274 |
| Noninterest expense to average assets | 2.3393% | 4,048 |
| Loan and lease loss provision to assets | 0.2888% | 483 |
| Net operating income to assets | 1.1651% | 2,328 |
| Return on assets (ROA) | 1.1651% | 2,329 |
| Pretax return on assets | 1.4223% | 2,077 |
| Return on Equity (ROE) | 8.6563% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.6332% | 3,269 |
| Net charge-offs to loans | 0.3505% | 452 |
| Credit loss provision to net charge-offs | 124.0310% | 1,768 |
| Earnings coverage of net charge-offs (x) | 7.3488% | 2,552 |
| Efficiency ratio | 57.7540% | 4,274 |
| Assets per employee ($millions) | 5.2151% | 2,179 |
| Cash dividends to net income (ytd only)* | 46.4756% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,074 |
| Loan loss allowance to noncurrent loans | 69.2243% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.9335% | 568 |
| Noncurrent loans to loans | 2.3311% | 581 |
| Net loans and leases to total assets | 68.5589% | 2,783 |
| Net loans and leases to deposits | 81.8787% | 2,783 |
| Net loans and leases to core deposits | 85.1177% | 3,003 |
| Total domestic deposits to total assets | 83.7323% | 3,161 |
| Equity capital to assets | 13.6608% | 1,043 |
| Core capital (leverage) ratio | 14.0452% | 903 |
| Tier 1 risk-based capital ratio | 19.1468% | 1,515 |
| Total risk-based capital ratio | 20.4002% | 1,475 |
| Memoranda: | ||
| Average total assets | $221,608,000 | 2,717 |
| Average earning assets | $208,230,330 | 2,682 |
| Average equity | $29,828,000 | 2,362 |
| Average total loans | $147,229,330 | 2,701 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 1,784 |
| Cost of funding earning assets | 0.7570% | 1,154 |
| Net interest margin | 3.7714% | 2,538 |
| Noninterest income to average assets | 0.4504% | 3,107 |
| Noninterest expense to average assets | 2.3581% | 4,048 |
| Loan and lease loss provision to assets | 0.3499% | 349 |
| Net operating income to assets | 1.0739% | 2,550 |
| Return on assets (ROA) | 1.0588% | 2,624 |
| Pretax return on assets | 1.2562% | 2,529 |
| Return on Equity (ROE) | 7.9245% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.9245% | 1,869 |
| Net charge-offs to loans | 0.7030% | 212 |
| Credit loss provision to net charge-offs | 76.7717% | 1,776 |
| Earnings coverage of net charge-offs (x) | 3.5630% | 2,373 |
| Efficiency ratio | 59.2159% | 4,178 |
| Assets per employee ($millions) | 5.2996% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 1,175 |
| Loan loss allowance to noncurrent loans | 70.8623% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.9462% | 599 |
| Noncurrent loans to loans | 2.2466% | 659 |
| Net loans and leases to total assets | 65.0400% | 3,173 |
| Net loans and leases to deposits | 75.3133% | 3,289 |
| Net loans and leases to core deposits | 78.1588% | 3,480 |
| Total domestic deposits to total assets | 86.3592% | 2,381 |
| Equity capital to assets | 13.4184% | 1,063 |
| Core capital (leverage) ratio | 13.7950% | 920 |
| Tier 1 risk-based capital ratio | 19.9266% | 1,357 |
| Total risk-based capital ratio | 21.1795% | 1,329 |
| Memoranda: | ||
| Average total assets | $222,894,500 | 2,728 |
| Average earning assets | $208,731,000 | 2,705 |
| Average equity | $29,781,000 | 2,385 |
| Average total loans | $144,528,500 | 2,753 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,591 |
| Cost of funding earning assets | 0.7590% | 793 |
| Net interest margin | 3.7795% | 2,501 |
| Noninterest income to average assets | 0.4482% | 3,324 |
| Noninterest expense to average assets | 2.2541% | 4,433 |
| Loan and lease loss provision to assets | 0.2626% | 697 |
| Net operating income to assets | 1.0203% | 2,151 |
| Return on assets (ROA) | 1.0172% | 2,202 |
| Pretax return on assets | 1.4935% | 1,668 |
| Return on Equity (ROE) | 7.5711% | 3,006 |
| Retained earnings to average equity (ytd only) | 2.7697% | 3,651 |
| Net charge-offs to loans | 0.4585% | 519 |
| Credit loss provision to net charge-offs | 92.0635% | 2,748 |
| Earnings coverage of net charge-offs (x) | 6.1730% | 3,221 |
| Efficiency ratio | 56.1457% | 4,757 |
| Assets per employee ($millions) | 5.3144% | 2,130 |
| Cash dividends to net income (ytd only)* | 63.4179% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 961 |
| Loan loss allowance to noncurrent loans | 66.8430% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.1227% | 507 |
| Noncurrent loans to loans | 2.5305% | 525 |
| Net loans and leases to total assets | 62.5189% | 3,552 |
| Net loans and leases to deposits | 72.1996% | 3,684 |
| Net loans and leases to core deposits | 75.1617% | 3,805 |
| Total domestic deposits to total assets | 86.5918% | 2,195 |
| Equity capital to assets | 13.3039% | 1,131 |
| Core capital (leverage) ratio | 13.8134% | 883 |
| Tier 1 risk-based capital ratio | 19.6732% | 1,385 |
| Total risk-based capital ratio | 20.9266% | 1,348 |
| Memoranda: | ||
| Average total assets | $220,890,200 | 2,723 |
| Average earning assets | $208,442,600 | 2,684 |
| Average equity | $29,678,600 | 2,381 |
| Average total loans | $137,403,800 | 2,818 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 1,505 |
| Cost of funding earning assets | 0.7658% | 702 |
| Net interest margin | 3.7835% | 2,464 |
| Noninterest income to average assets | 0.4472% | 3,348 |
| Noninterest expense to average assets | 2.2719% | 4,372 |
| Loan and lease loss provision to assets | 0.2723% | 602 |
| Net operating income to assets | 1.0780% | 2,190 |
| Return on assets (ROA) | 1.0736% | 2,260 |
| Pretax return on assets | 1.4670% | 1,887 |
| Return on Equity (ROE) | 7.9707% | 3,137 |
| Retained earnings to average equity (ytd only) | 5.3872% | 2,617 |
| Net charge-offs to loans | 0.4383% | 478 |
| Credit loss provision to net charge-offs | 100.4464% | 2,271 |
| Earnings coverage of net charge-offs (x) | 6.4375% | 2,988 |
| Efficiency ratio | 56.5532% | 4,672 |
| Assets per employee ($millions) | 5.0391% | 2,406 |
| Cash dividends to net income (ytd only)* | 32.4128% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 889 |
| Loan loss allowance to noncurrent loans | 82.1225% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.9292% | 691 |
| Noncurrent loans to loans | 2.1653% | 760 |
| Net loans and leases to total assets | 64.0218% | 3,394 |
| Net loans and leases to deposits | 75.0801% | 3,462 |
| Net loans and leases to core deposits | 78.4839% | 3,593 |
| Total domestic deposits to total assets | 85.2714% | 2,610 |
| Equity capital to assets | 14.3459% | 895 |
| Core capital (leverage) ratio | 14.2067% | 837 |
| Tier 1 risk-based capital ratio | 21.2435% | 1,155 |
| Total risk-based capital ratio | 22.4988% | 1,138 |
| Memoranda: | ||
| Average total assets | $220,311,250 | 2,745 |
| Average earning assets | $207,880,500 | 2,707 |
| Average equity | $29,674,500 | 2,397 |
| Average total loans | $136,268,000 | 2,850 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,550 |
| Cost of funding earning assets | 0.7655% | 630 |
| Net interest margin | 3.7219% | 2,574 |
| Noninterest income to average assets | 0.4471% | 3,373 |
| Noninterest expense to average assets | 2.2061% | 4,552 |
| Loan and lease loss provision to assets | 0.2688% | 597 |
| Net operating income to assets | 1.0829% | 2,071 |
| Return on assets (ROA) | 1.0771% | 2,140 |
| Pretax return on assets | 1.4758% | 1,736 |
| Return on Equity (ROE) | 8.1643% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.2587% | 3,177 |
| Net charge-offs to loans | 0.6337% | 312 |
| Credit loss provision to net charge-offs | 69.7674% | 2,380 |
| Earnings coverage of net charge-offs (x) | 4.5488% | 2,910 |
| Efficiency ratio | 55.7266% | 4,860 |
| Assets per employee ($millions) | 5.1939% | 2,163 |
| Cash dividends to net income (ytd only)* | 47.8369% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,064 |
| Loan loss allowance to noncurrent loans | 77.9644% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.9075% | 694 |
| Noncurrent loans to loans | 2.1805% | 745 |
| Net loans and leases to total assets | 61.5239% | 3,686 |
| Net loans and leases to deposits | 71.5009% | 3,784 |
| Net loans and leases to core deposits | 74.2567% | 3,920 |
| Total domestic deposits to total assets | 86.0463% | 2,360 |
| Equity capital to assets | 13.6571% | 1,087 |
| Core capital (leverage) ratio | 13.6227% | 959 |
| Tier 1 risk-based capital ratio | 21.0307% | 1,172 |
| Total risk-based capital ratio | 22.2852% | 1,151 |
| Memoranda: | ||
| Average total assets | $223,201,000 | 2,735 |
| Average earning assets | $210,590,330 | 2,693 |
| Average equity | $29,445,330 | 2,411 |
| Average total loans | $135,707,330 | 2,860 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,587 |
| Cost of funding earning assets | 0.7773% | 558 |
| Net interest margin | 3.6419% | 2,728 |
| Noninterest income to average assets | 0.4625% | 3,234 |
| Noninterest expense to average assets | 2.2948% | 4,419 |
| Loan and lease loss provision to assets | 0.2658% | 550 |
| Net operating income to assets | 1.0017% | 2,293 |
| Return on assets (ROA) | 1.0030% | 2,340 |
| Pretax return on assets | 1.3574% | 2,039 |
| Return on Equity (ROE) | 7.7344% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.7344% | 1,562 |
| Net charge-offs to loans | 0.3725% | 490 |
| Credit loss provision to net charge-offs | 119.0476% | 1,409 |
| Earnings coverage of net charge-offs (x) | 7.2619% | 2,153 |
| Efficiency ratio | 58.5973% | 4,646 |
| Assets per employee ($millions) | 5.2732% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 953 |
| Loan loss allowance to noncurrent loans | 70.5933% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.8991% | 722 |
| Noncurrent loans to loans | 2.5537% | 607 |
| Net loans and leases to total assets | 60.8733% | 3,687 |
| Net loans and leases to deposits | 70.4551% | 3,752 |
| Net loans and leases to core deposits | 73.1105% | 3,908 |
| Total domestic deposits to total assets | 86.4001% | 2,495 |
| Equity capital to assets | 13.3809% | 1,115 |
| Core capital (leverage) ratio | 13.1416% | 1,087 |
| Tier 1 risk-based capital ratio | 20.9768% | 1,219 |
| Total risk-based capital ratio | 22.2328% | 1,197 |
| Memoranda: | ||
| Average total assets | $225,730,000 | 2,743 |
| Average earning assets | $214,063,000 | 2,688 |
| Average equity | $29,272,000 | 2,427 |
| Average total loans | $135,295,500 | 2,883 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,185 |
| Cost of funding earning assets | 0.8105% | 475 |
| Net interest margin | 3.4758% | 3,521 |
| Noninterest income to average assets | 0.3890% | 3,970 |
| Noninterest expense to average assets | 2.2032% | 4,764 |
| Loan and lease loss provision to assets | 0.1926% | 1,212 |
| Net operating income to assets | 0.9609% | 2,534 |
| Return on assets (ROA) | 0.9689% | 2,599 |
| Pretax return on assets | 1.3074% | 2,256 |
| Return on Equity (ROE) | 7.7541% | 3,082 |
| Retained earnings to average equity (ytd only) | 3.3484% | 3,537 |
| Net charge-offs to loans | 0.3195% | 860 |
| Credit loss provision to net charge-offs | 103.7209% | 2,499 |
| Earnings coverage of net charge-offs (x) | 8.0209% | 2,937 |
| Efficiency ratio | 59.6703% | 4,632 |
| Assets per employee ($millions) | 5.4759% | 1,884 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 889 |
| Loan loss allowance to noncurrent loans | 69.5319% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6544% | 948 |
| Noncurrent loans to loans | 2.6445% | 578 |
| Net loans and leases to total assets | 56.8932% | 4,177 |
| Net loans and leases to deposits | 65.1427% | 4,320 |
| Net loans and leases to core deposits | 67.6806% | 4,421 |
| Total domestic deposits to total assets | 87.3362% | 1,965 |
| Equity capital to assets | 12.5698% | 1,477 |
| Core capital (leverage) ratio | 12.5912% | 1,305 |
| Tier 1 risk-based capital ratio | 20.9145% | 1,227 |
| Total risk-based capital ratio | 22.1701% | 1,204 |
| Memoranda: | ||
| Average total assets | $231,612,400 | 2,651 |
| Average earning assets | $220,123,000 | 2,596 |
| Average equity | $28,939,400 | 2,456 |
| Average total loans | $134,567,200 | 2,856 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,205 |
| Cost of funding earning assets | 0.8112% | 474 |
| Net interest margin | 3.4750% | 3,557 |
| Noninterest income to average assets | 0.3672% | 4,150 |
| Noninterest expense to average assets | 2.2256% | 4,698 |
| Loan and lease loss provision to assets | 0.1896% | 1,150 |
| Net operating income to assets | 0.9318% | 2,743 |
| Return on assets (ROA) | 0.9424% | 2,820 |
| Pretax return on assets | 1.2774% | 2,513 |
| Return on Equity (ROE) | 7.5538% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.1357% | 2,731 |
| Net charge-offs to loans | 0.2521% | 930 |
| Credit loss provision to net charge-offs | 129.4118% | 1,980 |
| Earnings coverage of net charge-offs (x) | 9.9138% | 2,638 |
| Efficiency ratio | 60.5062% | 4,464 |
| Assets per employee ($millions) | 5.5386% | 1,818 |
| Cash dividends to net income (ytd only)* | 32.0121% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 869 |
| Loan loss allowance to noncurrent loans | 78.3885% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 1,184 |
| Noncurrent loans to loans | 2.4096% | 747 |
| Net loans and leases to total assets | 56.0452% | 4,304 |
| Net loans and leases to deposits | 64.5381% | 4,450 |
| Net loans and leases to core deposits | 67.3555% | 4,521 |
| Total domestic deposits to total assets | 86.8405% | 1,972 |
| Equity capital to assets | 12.7382% | 1,630 |
| Core capital (leverage) ratio | 12.6465% | 1,336 |
| Tier 1 risk-based capital ratio | 21.0177% | 1,272 |
| Total risk-based capital ratio | 22.2741% | 1,249 |
| Memoranda: | ||
| Average total assets | $232,018,750 | 2,651 |
| Average earning assets | $221,075,500 | 2,597 |
| Average equity | $28,947,000 | 2,461 |
| Average total loans | $134,884,500 | 2,849 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,145 |
| Cost of funding earning assets | 0.8091% | 469 |
| Net interest margin | 3.4951% | 3,505 |
| Noninterest income to average assets | 0.3503% | 4,274 |
| Noninterest expense to average assets | 2.1379% | 4,977 |
| Loan and lease loss provision to assets | 0.2157% | 975 |
| Net operating income to assets | 0.9800% | 2,469 |
| Return on assets (ROA) | 0.9913% | 2,568 |
| Pretax return on assets | 1.3588% | 2,174 |
| Return on Equity (ROE) | 8.0018% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.3456% | 3,151 |
| Net charge-offs to loans | 0.1534% | 1,409 |
| Credit loss provision to net charge-offs | 240.3846% | 1,135 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 1,878 |
| Efficiency ratio | 57.8296% | 4,927 |
| Assets per employee ($millions) | 5.5231% | 1,780 |
| Cash dividends to net income (ytd only)* | 45.6919% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 838 |
| Loan loss allowance to noncurrent loans | 95.1696% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 1,388 |
| Noncurrent loans to loans | 2.0399% | 965 |
| Net loans and leases to total assets | 56.1995% | 4,286 |
| Net loans and leases to deposits | 64.4941% | 4,457 |
| Net loans and leases to core deposits | 67.5736% | 4,507 |
| Total domestic deposits to total assets | 87.1390% | 1,841 |
| Equity capital to assets | 12.5550% | 1,737 |
| Core capital (leverage) ratio | 12.4846% | 1,361 |
| Tier 1 risk-based capital ratio | 20.6122% | 1,326 |
| Total risk-based capital ratio | 21.8693% | 1,307 |
| Memoranda: | ||
| Average total assets | $231,817,330 | 2,665 |
| Average earning assets | $221,970,330 | 2,592 |
| Average equity | $28,718,670 | 2,476 |
| Average total loans | $135,551,330 | 2,849 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 1,907 |
| Cost of funding earning assets | 0.8231% | 434 |
| Net interest margin | 3.5421% | 3,313 |
| Noninterest income to average assets | 0.3884% | 3,914 |
| Noninterest expense to average assets | 2.1973% | 4,910 |
| Loan and lease loss provision to assets | 0.2244% | 837 |
| Net operating income to assets | 0.9906% | 2,324 |
| Return on assets (ROA) | 1.0098% | 2,346 |
| Pretax return on assets | 1.3722% | 1,992 |
| Return on Equity (ROE) | 8.2059% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.2059% | 1,375 |
| Net charge-offs to loans | 0.2075% | 966 |
| Credit loss provision to net charge-offs | 183.0986% | 1,141 |
| Earnings coverage of net charge-offs (x) | 12.8169% | 1,767 |
| Efficiency ratio | 58.3142% | 4,958 |
| Assets per employee ($millions) | 5.6550% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 1,159 |
| Loan loss allowance to noncurrent loans | 91.0884% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.4194% | 1,458 |
| Noncurrent loans to loans | 1.9711% | 1,094 |
| Net loans and leases to total assets | 58.8362% | 3,942 |
| Net loans and leases to deposits | 67.4262% | 4,115 |
| Net loans and leases to core deposits | 72.4724% | 4,032 |
| Total domestic deposits to total assets | 87.2601% | 2,070 |
| Equity capital to assets | 12.4716% | 1,700 |
| Core capital (leverage) ratio | 12.4076% | 1,377 |
| Tier 1 risk-based capital ratio | 19.9703% | 1,502 |
| Total risk-based capital ratio | 21.2259% | 1,474 |
| Memoranda: | ||
| Average total assets | $231,740,000 | 2,675 |
| Average earning assets | $221,111,000 | 2,612 |
| Average equity | $28,516,000 | 2,478 |
| Average total loans | $136,853,000 | 2,840 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3464% | 2,072 |
| Cost of funding earning assets | 0.8656% | 343 |
| Net interest margin | 3.4807% | 3,594 |
| Noninterest income to average assets | 0.3484% | 4,417 |
| Noninterest expense to average assets | 2.0615% | 5,328 |
| Loan and lease loss provision to assets | 0.1669% | 1,374 |
| Net operating income to assets | 1.0184% | 2,270 |
| Return on assets (ROA) | 1.0247% | 2,317 |
| Pretax return on assets | 1.3869% | 1,948 |
| Return on Equity (ROE) | 8.6100% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.2043% | 2,993 |
| Net charge-offs to loans | 0.1613% | 1,758 |
| Credit loss provision to net charge-offs | 181.3953% | 1,505 |
| Earnings coverage of net charge-offs (x) | 16.7907% | 2,110 |
| Efficiency ratio | 57.1564% | 5,240 |
| Assets per employee ($millions) | 5.5149% | 1,791 |
| Cash dividends to net income (ytd only)* | 51.1696% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 1,120 |
| Loan loss allowance to noncurrent loans | 106.6579% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 1,711 |
| Noncurrent loans to loans | 1.6936% | 1,338 |
| Net loans and leases to total assets | 57.1451% | 4,179 |
| Net loans and leases to deposits | 65.1162% | 4,389 |
| Net loans and leases to core deposits | 69.6438% | 4,319 |
| Total domestic deposits to total assets | 87.7587% | 1,770 |
| Equity capital to assets | 12.1385% | 1,856 |
| Core capital (leverage) ratio | 12.0904% | 1,568 |
| Tier 1 risk-based capital ratio | 20.1135% | 1,464 |
| Total risk-based capital ratio | 21.3688% | 1,437 |
| Memoranda: | ||
| Average total assets | $233,621,800 | 2,632 |
| Average earning assets | $218,688,600 | 2,599 |
| Average equity | $27,805,000 | 2,475 |
| Average total loans | $133,289,800 | 2,838 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,031 |
| Cost of funding earning assets | 0.8755% | 329 |
| Net interest margin | 3.4891% | 3,582 |
| Noninterest income to average assets | 0.3235% | 4,627 |
| Noninterest expense to average assets | 2.1048% | 5,262 |
| Loan and lease loss provision to assets | 0.1765% | 1,198 |
| Net operating income to assets | 0.9631% | 2,654 |
| Return on assets (ROA) | 0.9716% | 2,697 |
| Pretax return on assets | 1.3104% | 2,353 |
| Return on Equity (ROE) | 8.2035% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.9194% | 2,300 |
| Net charge-offs to loans | 0.1244% | 1,883 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 20.8951% | 1,846 |
| Efficiency ratio | 58.7880% | 5,034 |
| Assets per employee ($millions) | 5.6610% | 1,625 |
| Cash dividends to net income (ytd only)* | 27.8430% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 1,177 |
| Loan loss allowance to noncurrent loans | 84.7246% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.4506% | 1,557 |
| Noncurrent loans to loans | 2.1832% | 1,015 |
| Net loans and leases to total assets | 54.5878% | 4,500 |
| Net loans and leases to deposits | 62.2310% | 4,704 |
| Net loans and leases to core deposits | 66.7399% | 4,642 |
| Total domestic deposits to total assets | 87.7180% | 1,694 |
| Equity capital to assets | 11.9460% | 2,145 |
| Core capital (leverage) ratio | 12.1453% | 1,596 |
| Tier 1 risk-based capital ratio | 20.3661% | 1,462 |
| Total risk-based capital ratio | 21.6221% | 1,430 |
| Memoranda: | ||
| Average total assets | $234,120,750 | 2,647 |
| Average earning assets | $218,539,500 | 2,617 |
| Average equity | $27,727,250 | 2,492 |
| Average total loans | $132,912,750 | 2,855 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 1,869 |
| Cost of funding earning assets | 0.8975% | 294 |
| Net interest margin | 3.4958% | 3,519 |
| Noninterest income to average assets | 0.3031% | 4,786 |
| Noninterest expense to average assets | 2.1090% | 5,320 |
| Loan and lease loss provision to assets | 0.1975% | 1,003 |
| Net operating income to assets | 0.9334% | 2,715 |
| Return on assets (ROA) | 0.9463% | 2,773 |
| Pretax return on assets | 1.2683% | 2,479 |
| Return on Equity (ROE) | 8.0140% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.5597% | 3,130 |
| Net charge-offs to loans | 0.0751% | 2,319 |
| Credit loss provision to net charge-offs | 460.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 33.7400% | 1,258 |
| Efficiency ratio | 59.2807% | 5,079 |
| Assets per employee ($millions) | 5.5483% | 1,696 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 1,291 |
| Loan loss allowance to noncurrent loans | 86.7710% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 1,622 |
| Noncurrent loans to loans | 2.1201% | 1,138 |
| Net loans and leases to total assets | 55.8709% | 4,352 |
| Net loans and leases to deposits | 63.5825% | 4,571 |
| Net loans and leases to core deposits | 68.2831% | 4,468 |
| Total domestic deposits to total assets | 87.8715% | 1,713 |
| Equity capital to assets | 11.8405% | 2,144 |
| Core capital (leverage) ratio | 11.8967% | 1,716 |
| Tier 1 risk-based capital ratio | 19.3660% | 1,707 |
| Total risk-based capital ratio | 20.6212% | 1,673 |
| Memoranda: | ||
| Average total assets | $232,907,000 | 2,679 |
| Average earning assets | $216,829,670 | 2,649 |
| Average equity | $27,502,000 | 2,519 |
| Average total loans | $133,138,670 | 2,854 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 1,666 |
| Cost of funding earning assets | 0.9115% | 272 |
| Net interest margin | 3.5158% | 3,369 |
| Noninterest income to average assets | 0.3779% | 4,177 |
| Noninterest expense to average assets | 2.1027% | 5,381 |
| Loan and lease loss provision to assets | 0.2405% | 704 |
| Net operating income to assets | 0.9551% | 2,478 |
| Return on assets (ROA) | 0.9809% | 2,470 |
| Pretax return on assets | 1.3159% | 2,214 |
| Return on Equity (ROE) | 8.3185% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.3185% | 1,449 |
| Net charge-offs to loans | 0.0270% | 2,634 |
| Credit loss provision to net charge-offs | 1,555.5556% | 239 |
| Earnings coverage of net charge-offs (x) | 98.4444% | 503 |
| Efficiency ratio | 58.0095% | 5,336 |
| Assets per employee ($millions) | 5.6135% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 1,527 |
| Loan loss allowance to noncurrent loans | 103.9565% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4205% | 1,866 |
| Noncurrent loans to loans | 1.7162% | 1,595 |
| Net loans and leases to total assets | 55.8282% | 4,224 |
| Net loans and leases to deposits | 63.4295% | 4,435 |
| Net loans and leases to core deposits | 68.0373% | 4,318 |
| Total domestic deposits to total assets | 88.0162% | 1,807 |
| Equity capital to assets | 11.7883% | 2,208 |
| Core capital (leverage) ratio | 11.8605% | 1,730 |
| Tier 1 risk-based capital ratio | 19.1102% | 1,839 |
| Total risk-based capital ratio | 20.3650% | 1,794 |
| Memoranda: | ||
| Average total assets | $232,845,500 | 2,697 |
| Average earning assets | $215,027,500 | 2,686 |
| Average equity | $27,457,000 | 2,540 |
| Average total loans | $133,390,000 | 2,858 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 1,521 |
| Cost of funding earning assets | 0.9348% | 318 |
| Net interest margin | 3.6787% | 3,087 |
| Noninterest income to average assets | 0.3943% | 4,231 |
| Noninterest expense to average assets | 2.3295% | 5,025 |
| Loan and lease loss provision to assets | 0.3203% | 621 |
| Net operating income to assets | 0.8923% | 2,914 |
| Return on assets (ROA) | 0.9236% | 2,854 |
| Pretax return on assets | 1.1943% | 2,679 |
| Return on Equity (ROE) | 7.7075% | 3,269 |
| Retained earnings to average equity (ytd only) | 3.3775% | 3,806 |
| Net charge-offs to loans | 0.4317% | 979 |
| Credit loss provision to net charge-offs | 127.2401% | 1,884 |
| Earnings coverage of net charge-offs (x) | 5.8548% | 3,339 |
| Efficiency ratio | 61.2456% | 5,029 |
| Assets per employee ($millions) | 5.4744% | 1,789 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,766 |
| Loan loss allowance to noncurrent loans | 86.1609% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 1,691 |
| Noncurrent loans to loans | 1.9757% | 1,412 |
| Net loans and leases to total assets | 56.7599% | 4,233 |
| Net loans and leases to deposits | 64.4311% | 4,485 |
| Net loans and leases to core deposits | 69.0461% | 4,407 |
| Total domestic deposits to total assets | 88.0938% | 1,723 |
| Equity capital to assets | 11.7957% | 2,174 |
| Core capital (leverage) ratio | 11.8244% | 1,749 |
| Tier 1 risk-based capital ratio | 19.9472% | 1,608 |
| Total risk-based capital ratio | 21.2022% | 1,578 |
| Memoranda: | ||
| Average total assets | $221,636,200 | 2,766 |
| Average earning assets | $205,401,000 | 2,749 |
| Average equity | $26,558,400 | 2,523 |
| Average total loans | $129,258,400 | 2,885 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 1,408 |
| Cost of funding earning assets | 0.9349% | 330 |
| Net interest margin | 3.7252% | 2,925 |
| Noninterest income to average assets | 0.3965% | 4,276 |
| Noninterest expense to average assets | 2.3616% | 4,941 |
| Loan and lease loss provision to assets | 0.3279% | 567 |
| Net operating income to assets | 0.8926% | 2,945 |
| Return on assets (ROA) | 0.9291% | 2,875 |
| Pretax return on assets | 1.2024% | 2,771 |
| Return on Equity (ROE) | 7.7219% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.4507% | 2,796 |
| Net charge-offs to loans | 0.3895% | 1,023 |
| Credit loss provision to net charge-offs | 144.0000% | 1,637 |
| Earnings coverage of net charge-offs (x) | 6.5120% | 3,074 |
| Efficiency ratio | 61.4279% | 4,977 |
| Assets per employee ($millions) | 5.3786% | 1,838 |
| Cash dividends to net income (ytd only)* | 29.4120% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7448% | 1,839 |
| Loan loss allowance to noncurrent loans | 82.4148% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.6069% | 1,890 |
| Noncurrent loans to loans | 2.1171% | 1,476 |
| Net loans and leases to total assets | 56.6626% | 4,245 |
| Net loans and leases to deposits | 64.6171% | 4,471 |
| Net loans and leases to core deposits | 69.1282% | 4,401 |
| Total domestic deposits to total assets | 87.6898% | 1,927 |
| Equity capital to assets | 12.0003% | 2,057 |
| Core capital (leverage) ratio | 12.1963% | 1,579 |
| Tier 1 risk-based capital ratio | 20.4021% | 1,573 |
| Total risk-based capital ratio | 21.6578% | 1,538 |
| Memoranda: | ||
| Average total assets | $219,564,500 | 2,809 |
| Average earning assets | $203,221,750 | 2,791 |
| Average equity | $26,417,750 | 2,536 |
| Average total loans | $128,382,000 | 2,905 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 1,281 |
| Cost of funding earning assets | 0.9298% | 360 |
| Net interest margin | 3.7688% | 2,672 |
| Noninterest income to average assets | 0.3835% | 4,379 |
| Noninterest expense to average assets | 2.3297% | 5,083 |
| Loan and lease loss provision to assets | 0.3679% | 471 |
| Net operating income to assets | 0.9107% | 2,750 |
| Return on assets (ROA) | 0.9667% | 2,559 |
| Pretax return on assets | 1.2472% | 2,471 |
| Return on Equity (ROE) | 8.0268% | 3,074 |
| Retained earnings to average equity (ytd only) | 4.5900% | 3,239 |
| Net charge-offs to loans | 0.4994% | 810 |
| Credit loss provision to net charge-offs | 125.3918% | 1,658 |
| Earnings coverage of net charge-offs (x) | 5.2602% | 2,960 |
| Efficiency ratio | 60.1520% | 5,271 |
| Assets per employee ($millions) | 5.2891% | 1,884 |
| Cash dividends to net income (ytd only)* | 42.8164% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 2,113 |
| Loan loss allowance to noncurrent loans | 81.3452% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6044% | 2,043 |
| Noncurrent loans to loans | 2.0975% | 1,593 |
| Net loans and leases to total assets | 56.7682% | 4,145 |
| Net loans and leases to deposits | 64.6585% | 4,423 |
| Net loans and leases to core deposits | 69.1344% | 4,354 |
| Total domestic deposits to total assets | 87.7970% | 2,038 |
| Equity capital to assets | 12.0112% | 1,970 |
| Core capital (leverage) ratio | 12.2710% | 1,515 |
| Tier 1 risk-based capital ratio | 20.2233% | 1,635 |
| Total risk-based capital ratio | 21.4782% | 1,602 |
| Memoranda: | ||
| Average total assets | $217,452,000 | 2,841 |
| Average earning assets | $201,338,670 | 2,822 |
| Average equity | $26,187,330 | 2,550 |
| Average total loans | $127,751,000 | 2,909 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 1,253 |
| Cost of funding earning assets | 0.9153% | 419 |
| Net interest margin | 3.7864% | 2,523 |
| Noninterest income to average assets | 0.3180% | 4,831 |
| Noninterest expense to average assets | 2.5085% | 4,597 |
| Loan and lease loss provision to assets | 0.3533% | 501 |
| Net operating income to assets | 0.8384% | 2,958 |
| Return on assets (ROA) | 0.9056% | 2,691 |
| Pretax return on assets | 1.0748% | 3,017 |
| Return on Equity (ROE) | 7.5096% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.5096% | 1,815 |
| Net charge-offs to loans | 0.3138% | 1,129 |
| Credit loss provision to net charge-offs | 190.0000% | 1,086 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,134 |
| Efficiency ratio | 65.0434% | 4,685 |
| Assets per employee ($millions) | 5.1589% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 2,360 |
| Loan loss allowance to noncurrent loans | 77.6678% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.8960% | 1,817 |
| Noncurrent loans to loans | 2.1878% | 1,665 |
| Net loans and leases to total assets | 58.6850% | 3,740 |
| Net loans and leases to deposits | 66.9408% | 3,981 |
| Net loans and leases to core deposits | 71.5703% | 3,916 |
| Total domestic deposits to total assets | 87.6671% | 2,426 |
| Equity capital to assets | 12.1382% | 1,778 |
| Core capital (leverage) ratio | 12.4004% | 1,434 |
| Tier 1 risk-based capital ratio | 20.0385% | 1,711 |
| Total risk-based capital ratio | 21.2932% | 1,675 |
| Memoranda: | ||
| Average total assets | $215,107,000 | 2,879 |
| Average earning assets | $201,033,000 | 2,841 |
| Average equity | $25,940,000 | 2,559 |
| Average total loans | $127,479,000 | 2,915 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 1,379 |
| Cost of funding earning assets | 0.9213% | 666 |
| Net interest margin | 3.8541% | 2,461 |
| Noninterest income to average assets | 0.2388% | 5,640 |
| Noninterest expense to average assets | 2.3952% | 5,082 |
| Loan and lease loss provision to assets | 0.4723% | 599 |
| Net operating income to assets | 0.7653% | 3,469 |
| Return on assets (ROA) | 0.7725% | 3,528 |
| Pretax return on assets | 0.9830% | 3,423 |
| Return on Equity (ROE) | 6.2207% | 3,960 |
| Retained earnings to average equity (ytd only) | 1.9732% | 4,828 |
| Net charge-offs to loans | 0.7556% | 837 |
| Credit loss provision to net charge-offs | 103.6842% | 2,339 |
| Earnings coverage of net charge-offs (x) | 3.1747% | 3,936 |
| Efficiency ratio | 62.3518% | 5,146 |
| Assets per employee ($millions) | 5.0843% | 2,083 |
| Cash dividends to net income (ytd only)* | 68.2806% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 2,467 |
| Loan loss allowance to noncurrent loans | 90.6667% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.7088% | 2,157 |
| Noncurrent loans to loans | 1.8510% | 2,167 |
| Net loans and leases to total assets | 57.8331% | 4,063 |
| Net loans and leases to deposits | 65.8003% | 4,317 |
| Net loans and leases to core deposits | 70.2931% | 4,263 |
| Total domestic deposits to total assets | 87.8918% | 2,240 |
| Equity capital to assets | 11.9789% | 1,822 |
| Core capital (leverage) ratio | 12.2924% | 1,452 |
| Tier 1 risk-based capital ratio | 20.2070% | 1,610 |
| Total risk-based capital ratio | 21.4619% | 1,576 |
| Memoranda: | ||
| Average total assets | $208,541,000 | 2,929 |
| Average earning assets | $194,935,800 | 2,890 |
| Average equity | $25,897,200 | 2,557 |
| Average total loans | $125,726,800 | 2,920 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 1,416 |
| Cost of funding earning assets | 0.9160% | 754 |
| Net interest margin | 3.8549% | 2,443 |
| Noninterest income to average assets | 0.2200% | 5,851 |
| Noninterest expense to average assets | 2.4069% | 5,007 |
| Loan and lease loss provision to assets | 0.5210% | 522 |
| Net operating income to assets | 0.7075% | 3,815 |
| Return on assets (ROA) | 0.7075% | 3,954 |
| Pretax return on assets | 0.9005% | 3,884 |
| Return on Equity (ROE) | 5.6460% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.3363% | 4,307 |
| Net charge-offs to loans | 0.8259% | 709 |
| Credit loss provision to net charge-offs | 103.9795% | 2,249 |
| Earnings coverage of net charge-offs (x) | 2.8370% | 3,885 |
| Efficiency ratio | 62.8696% | 5,006 |
| Assets per employee ($millions) | 5.0004% | 2,163 |
| Cash dividends to net income (ytd only)* | 40.9094% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 2,756 |
| Loan loss allowance to noncurrent loans | 88.2921% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.1437% | 1,862 |
| Noncurrent loans to loans | 1.8837% | 2,391 |
| Net loans and leases to total assets | 59.2334% | 3,818 |
| Net loans and leases to deposits | 67.9397% | 4,066 |
| Net loans and leases to core deposits | 72.5799% | 4,022 |
| Total domestic deposits to total assets | 87.1852% | 2,578 |
| Equity capital to assets | 12.4486% | 1,614 |
| Core capital (leverage) ratio | 12.5174% | 1,414 |
| Tier 1 risk-based capital ratio | 20.3618% | 1,638 |
| Total risk-based capital ratio | 21.6165% | 1,611 |
| Memoranda: | ||
| Average total assets | $207,290,750 | 2,956 |
| Average earning assets | $194,033,000 | 2,927 |
| Average equity | $25,976,500 | 2,581 |
| Average total loans | $125,757,000 | 2,946 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 1,458 |
| Cost of funding earning assets | 0.9106% | 850 |
| Net interest margin | 3.8314% | 2,442 |
| Noninterest income to average assets | 0.2025% | 5,996 |
| Noninterest expense to average assets | 2.3587% | 5,179 |
| Loan and lease loss provision to assets | 0.5088% | 531 |
| Net operating income to assets | 0.7278% | 3,683 |
| Return on assets (ROA) | 0.7278% | 3,846 |
| Pretax return on assets | 0.9071% | 3,876 |
| Return on Equity (ROE) | 5.7946% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.3225% | 4,811 |
| Net charge-offs to loans | 0.7792% | 807 |
| Credit loss provision to net charge-offs | 107.3620% | 2,063 |
| Earnings coverage of net charge-offs (x) | 2.9877% | 3,537 |
| Efficiency ratio | 62.4904% | 5,098 |
| Assets per employee ($millions) | 4.8557% | 2,290 |
| Cash dividends to net income (ytd only)* | 59.9201% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 3,059 |
| Loan loss allowance to noncurrent loans | 66.3208% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.6303% | 1,590 |
| Noncurrent loans to loans | 2.4551% | 1,903 |
| Net loans and leases to total assets | 61.0252% | 3,481 |
| Net loans and leases to deposits | 69.7277% | 3,752 |
| Net loans and leases to core deposits | 74.3693% | 3,750 |
| Total domestic deposits to total assets | 87.5193% | 2,529 |
| Equity capital to assets | 12.1694% | 1,793 |
| Core capital (leverage) ratio | 12.4822% | 1,367 |
| Tier 1 risk-based capital ratio | 19.5325% | 1,850 |
| Total risk-based capital ratio | 20.7867% | 1,822 |
| Memoranda: | ||
| Average total assets | $206,382,670 | 2,987 |
| Average earning assets | $192,408,670 | 2,965 |
| Average equity | $25,920,670 | 2,592 |
| Average total loans | $125,508,330 | 2,960 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,551 |
| Cost of funding earning assets | 0.9065% | 958 |
| Net interest margin | 3.7876% | 2,498 |
| Noninterest income to average assets | 0.3334% | 5,033 |
| Noninterest expense to average assets | 2.3960% | 5,136 |
| Loan and lease loss provision to assets | 0.4094% | 749 |
| Net operating income to assets | 0.8227% | 3,036 |
| Return on assets (ROA) | 0.8227% | 3,179 |
| Pretax return on assets | 1.0469% | 3,159 |
| Return on Equity (ROE) | 6.4485% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.4485% | 2,431 |
| Net charge-offs to loans | 0.4955% | 1,214 |
| Credit loss provision to net charge-offs | 137.2549% | 1,454 |
| Earnings coverage of net charge-offs (x) | 4.8824% | 2,460 |
| Efficiency ratio | 62.1964% | 5,281 |
| Assets per employee ($millions) | 4.7904% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 2,845 |
| Loan loss allowance to noncurrent loans | 58.4683% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4739% | 1,864 |
| Noncurrent loans to loans | 2.9731% | 1,691 |
| Net loans and leases to total assets | 58.4497% | 3,715 |
| Net loans and leases to deposits | 67.2310% | 3,883 |
| Net loans and leases to core deposits | 71.9528% | 3,817 |
| Total domestic deposits to total assets | 86.9386% | 3,000 |
| Equity capital to assets | 12.7934% | 1,536 |
| Core capital (leverage) ratio | 12.7794% | 1,205 |
| Tier 1 risk-based capital ratio | 20.7827% | 1,590 |
| Total risk-based capital ratio | 22.0380% | 1,562 |
| Memoranda: | ||
| Average total assets | $205,177,000 | 3,035 |
| Average earning assets | $190,621,000 | 3,006 |
| Average equity | $26,176,500 | 2,600 |
| Average total loans | $123,499,500 | 3,021 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 1,979 |
| Cost of funding earning assets | 0.9547% | 1,613 |
| Net interest margin | 3.9068% | 2,799 |
| Noninterest income to average assets | 0.5678% | 3,461 |
| Noninterest expense to average assets | 2.2333% | 5,848 |
| Loan and lease loss provision to assets | 0.5117% | 1,148 |
| Net operating income to assets | 1.1169% | 1,883 |
| Return on assets (ROA) | 1.1432% | 1,964 |
| Pretax return on assets | 1.5159% | 1,635 |
| Return on Equity (ROE) | 8.6107% | 2,824 |
| Retained earnings to average equity (ytd only) | 0.7934% | 5,466 |
| Net charge-offs to loans | 1.1643% | 881 |
| Credit loss provision to net charge-offs | 73.1707% | 4,064 |
| Earnings coverage of net charge-offs (x) | 2.8494% | 4,008 |
| Efficiency ratio | 52.8490% | 6,387 |
| Assets per employee ($millions) | 4.7527% | 2,578 |
| Cash dividends to net income (ytd only)* | 90.7854% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 3,064 |
| Loan loss allowance to noncurrent loans | 49.0767% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.7940% | 1,717 |
| Noncurrent loans to loans | 3.3936% | 1,487 |
| Net loans and leases to total assets | 59.8909% | 3,622 |
| Net loans and leases to deposits | 68.8001% | 3,864 |
| Net loans and leases to core deposits | 73.6287% | 3,829 |
| Total domestic deposits to total assets | 87.0506% | 2,818 |
| Equity capital to assets | 12.7223% | 1,581 |
| Core capital (leverage) ratio | 12.6324% | 1,261 |
| Tier 1 risk-based capital ratio | 20.0651% | 1,658 |
| Total risk-based capital ratio | 21.3195% | 1,629 |
| Memoranda: | ||
| Average total assets | $199,349,400 | 3,052 |
| Average earning assets | $186,647,600 | 3,006 |
| Average equity | $26,467,000 | 2,524 |
| Average total loans | $119,730,200 | 3,081 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 1,992 |
| Cost of funding earning assets | 0.9658% | 1,757 |
| Net interest margin | 3.9393% | 2,759 |
| Noninterest income to average assets | 0.5876% | 3,364 |
| Noninterest expense to average assets | 2.2238% | 5,896 |
| Loan and lease loss provision to assets | 0.3769% | 1,711 |
| Net operating income to assets | 1.2546% | 1,562 |
| Return on assets (ROA) | 1.2606% | 1,701 |
| Pretax return on assets | 1.6820% | 1,319 |
| Return on Equity (ROE) | 9.3940% | 2,635 |
| Retained earnings to average equity (ytd only) | 7.1370% | 2,038 |
| Net charge-offs to loans | 0.8267% | 1,325 |
| Credit loss provision to net charge-offs | 76.1905% | 3,730 |
| Earnings coverage of net charge-offs (x) | 4.1456% | 3,386 |
| Efficiency ratio | 52.0233% | 6,447 |
| Assets per employee ($millions) | 4.6825% | 2,623 |
| Cash dividends to net income (ytd only)* | 24.0258% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 2,657 |
| Loan loss allowance to noncurrent loans | 46.1413% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.0862% | 1,688 |
| Noncurrent loans to loans | 4.0020% | 1,277 |
| Net loans and leases to total assets | 59.9779% | 3,790 |
| Net loans and leases to deposits | 69.9300% | 3,904 |
| Net loans and leases to core deposits | 74.7456% | 3,884 |
| Total domestic deposits to total assets | 85.7685% | 3,377 |
| Equity capital to assets | 13.6703% | 1,280 |
| Core capital (leverage) ratio | 13.5396% | 1,000 |
| Tier 1 risk-based capital ratio | 21.6127% | 1,399 |
| Total risk-based capital ratio | 22.8695% | 1,372 |
| Memoranda: | ||
| Average total assets | $198,095,500 | 3,101 |
| Average earning assets | $185,411,000 | 3,048 |
| Average equity | $26,583,750 | 2,535 |
| Average total loans | $118,545,500 | 3,152 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 2,204 |
| Cost of funding earning assets | 0.9783% | 1,890 |
| Net interest margin | 3.8982% | 2,913 |
| Noninterest income to average assets | 0.5807% | 3,374 |
| Noninterest expense to average assets | 2.2517% | 5,865 |
| Loan and lease loss provision to assets | 0.3553% | 1,859 |
| Net operating income to assets | 1.2435% | 1,577 |
| Return on assets (ROA) | 1.2527% | 1,726 |
| Pretax return on assets | 1.6385% | 1,427 |
| Return on Equity (ROE) | 9.3947% | 2,614 |
| Retained earnings to average equity (ytd only) | 5.9688% | 2,733 |
| Net charge-offs to loans | 0.8116% | 1,359 |
| Credit loss provision to net charge-offs | 73.6842% | 3,485 |
| Earnings coverage of net charge-offs (x) | 4.1095% | 3,173 |
| Efficiency ratio | 53.1894% | 6,399 |
| Assets per employee ($millions) | 4.5556% | 2,804 |
| Cash dividends to net income (ytd only)* | 36.4668% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 2,281 |
| Loan loss allowance to noncurrent loans | 64.2146% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 2,807 |
| Noncurrent loans to loans | 3.0831% | 1,909 |
| Net loans and leases to total assets | 58.6874% | 4,043 |
| Net loans and leases to deposits | 68.2936% | 4,152 |
| Net loans and leases to core deposits | 72.7050% | 4,211 |
| Total domestic deposits to total assets | 85.9341% | 3,385 |
| Equity capital to assets | 13.6116% | 1,260 |
| Core capital (leverage) ratio | 13.2246% | 1,087 |
| Tier 1 risk-based capital ratio | 22.2999% | 1,234 |
| Total risk-based capital ratio | 23.5586% | 1,216 |
| Memoranda: | ||
| Average total assets | $197,011,000 | 3,123 |
| Average earning assets | $184,599,670 | 3,064 |
| Average equity | $26,270,000 | 2,550 |
| Average total loans | $117,048,330 | 3,196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 2,674 |
| Cost of funding earning assets | 1.0016% | 1,974 |
| Net interest margin | 3.7896% | 3,439 |
| Noninterest income to average assets | 0.5689% | 3,435 |
| Noninterest expense to average assets | 2.1582% | 6,135 |
| Loan and lease loss provision to assets | 0.2834% | 2,199 |
| Net operating income to assets | 1.2727% | 1,530 |
| Return on assets (ROA) | 1.2897% | 1,651 |
| Pretax return on assets | 1.6885% | 1,335 |
| Return on Equity (ROE) | 9.7726% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.7726% | 1,330 |
| Net charge-offs to loans | 0.5131% | 1,809 |
| Credit loss provision to net charge-offs | 93.3333% | 2,488 |
| Earnings coverage of net charge-offs (x) | 6.4200% | 2,215 |
| Efficiency ratio | 52.5382% | 6,491 |
| Assets per employee ($millions) | 4.5468% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 2,218 |
| Loan loss allowance to noncurrent loans | 90.1591% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.5121% | 3,587 |
| Noncurrent loans to loans | 2.2734% | 2,832 |
| Net loans and leases to total assets | 58.2124% | 4,003 |
| Net loans and leases to deposits | 67.3802% | 4,165 |
| Net loans and leases to core deposits | 72.2229% | 4,118 |
| Total domestic deposits to total assets | 86.3939% | 3,308 |
| Equity capital to assets | 13.1992% | 1,359 |
| Core capital (leverage) ratio | 13.3187% | 1,011 |
| Tier 1 risk-based capital ratio | 21.9118% | 1,301 |
| Total risk-based capital ratio | 23.1715% | 1,272 |
| Memoranda: | ||
| Average total assets | $197,570,500 | 3,139 |
| Average earning assets | $184,504,000 | 3,088 |
| Average equity | $26,073,000 | 2,564 |
| Average total loans | $116,929,500 | 3,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 2,522 |
| Cost of funding earning assets | 1.0860% | 2,759 |
| Net interest margin | 3.9954% | 2,906 |
| Noninterest income to average assets | 0.4380% | 4,313 |
| Noninterest expense to average assets | 2.4474% | 5,641 |
| Loan and lease loss provision to assets | 0.5259% | 1,989 |
| Net operating income to assets | 0.9431% | 2,439 |
| Return on assets (ROA) | 1.0854% | 2,006 |
| Pretax return on assets | 1.3888% | 1,812 |
| Return on Equity (ROE) | 8.1566% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.5012% | 2,971 |
| Net charge-offs to loans | 0.7573% | 2,264 |
| Credit loss provision to net charge-offs | 117.9245% | 2,724 |
| Earnings coverage of net charge-offs (x) | 3.8844% | 3,346 |
| Efficiency ratio | 58.5556% | 5,972 |
| Assets per employee ($millions) | 4.4337% | 3,016 |
| Cash dividends to net income (ytd only)* | 44.8159% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 1,934 |
| Loan loss allowance to noncurrent loans | 126.6563% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 4,298 |
| Noncurrent loans to loans | 1.6805% | 3,641 |
| Net loans and leases to total assets | 57.6762% | 4,433 |
| Net loans and leases to deposits | 66.6479% | 4,644 |
| Net loans and leases to core deposits | 72.3503% | 4,464 |
| Total domestic deposits to total assets | 86.5386% | 3,015 |
| Equity capital to assets | 13.1943% | 1,399 |
| Core capital (leverage) ratio | 13.1101% | 1,100 |
| Tier 1 risk-based capital ratio | 22.0728% | 1,229 |
| Total risk-based capital ratio | 23.3337% | 1,201 |
| Memoranda: | ||
| Average total assets | $190,163,200 | 3,183 |
| Average earning assets | $178,079,400 | 3,113 |
| Average equity | $25,304,600 | 2,544 |
| Average total loans | $111,977,000 | 3,334 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1047% | 2,583 |
| Cost of funding earning assets | 1.1056% | 2,939 |
| Net interest margin | 3.9992% | 2,915 |
| Noninterest income to average assets | 0.4354% | 4,398 |
| Noninterest expense to average assets | 2.5349% | 5,336 |
| Loan and lease loss provision to assets | 0.4869% | 2,039 |
| Net operating income to assets | 0.9134% | 2,690 |
| Return on assets (ROA) | 1.0974% | 2,129 |
| Pretax return on assets | 1.3888% | 1,971 |
| Return on Equity (ROE) | 8.2287% | 2,947 |
| Retained earnings to average equity (ytd only) | 6.2443% | 2,404 |
| Net charge-offs to loans | 0.8523% | 1,867 |
| Credit loss provision to net charge-offs | 97.0464% | 3,531 |
| Earnings coverage of net charge-offs (x) | 3.2742% | 3,511 |
| Efficiency ratio | 60.6757% | 5,611 |
| Assets per employee ($millions) | 4.3671% | 3,144 |
| Cash dividends to net income (ytd only)* | 24.1159% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9948% | 2,353 |
| Loan loss allowance to noncurrent loans | 92.3639% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 4,091 |
| Noncurrent loans to loans | 2.1597% | 3,163 |
| Net loans and leases to total assets | 58.1425% | 4,487 |
| Net loans and leases to deposits | 67.6124% | 4,676 |
| Net loans and leases to core deposits | 73.2709% | 4,552 |
| Total domestic deposits to total assets | 85.9939% | 3,216 |
| Equity capital to assets | 13.4768% | 1,380 |
| Core capital (leverage) ratio | 13.4722% | 1,056 |
| Tier 1 risk-based capital ratio | 22.5331% | 1,213 |
| Total risk-based capital ratio | 23.7926% | 1,187 |
| Memoranda: | ||
| Average total assets | $188,933,000 | 3,214 |
| Average earning assets | $176,799,750 | 3,149 |
| Average equity | $25,195,750 | 2,551 |
| Average total loans | $111,230,250 | 3,386 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 2,730 |
| Cost of funding earning assets | 1.1113% | 3,161 |
| Net interest margin | 3.9782% | 2,952 |
| Noninterest income to average assets | 0.4610% | 4,184 |
| Noninterest expense to average assets | 2.6722% | 4,930 |
| Loan and lease loss provision to assets | 0.5430% | 1,790 |
| Net operating income to assets | 0.7623% | 3,236 |
| Return on assets (ROA) | 1.0306% | 2,197 |
| Pretax return on assets | 1.3052% | 2,120 |
| Return on Equity (ROE) | 7.7557% | 3,070 |
| Retained earnings to average equity (ytd only) | 4.7512% | 3,158 |
| Net charge-offs to loans | 1.0570% | 1,488 |
| Credit loss provision to net charge-offs | 87.4786% | 3,532 |
| Earnings coverage of net charge-offs (x) | 2.4305% | 3,602 |
| Efficiency ratio | 63.9165% | 5,257 |
| Assets per employee ($millions) | 4.2766% | 3,205 |
| Cash dividends to net income (ytd only)* | 38.7397% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 2,513 |
| Loan loss allowance to noncurrent loans | 90.7309% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 4,054 |
| Noncurrent loans to loans | 2.1490% | 3,288 |
| Net loans and leases to total assets | 59.3806% | 4,401 |
| Net loans and leases to deposits | 68.9377% | 4,572 |
| Net loans and leases to core deposits | 74.8862% | 4,457 |
| Total domestic deposits to total assets | 86.1365% | 3,254 |
| Equity capital to assets | 13.4245% | 1,327 |
| Core capital (leverage) ratio | 13.2090% | 1,084 |
| Tier 1 risk-based capital ratio | 22.1410% | 1,233 |
| Total risk-based capital ratio | 23.3997% | 1,202 |
| Memoranda: | ||
| Average total assets | $187,860,000 | 3,258 |
| Average earning assets | $175,658,000 | 3,187 |
| Average equity | $24,962,330 | 2,561 |
| Average total loans | $110,308,330 | 3,446 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 3,182 |
| Cost of funding earning assets | 1.1183% | 3,394 |
| Net interest margin | 3.8637% | 3,327 |
| Noninterest income to average assets | 0.4944% | 3,936 |
| Noninterest expense to average assets | 2.7511% | 4,639 |
| Loan and lease loss provision to assets | 0.3836% | 2,264 |
| Net operating income to assets | 0.7950% | 3,056 |
| Return on assets (ROA) | 0.9099% | 2,571 |
| Pretax return on assets | 1.0911% | 2,791 |
| Return on Equity (ROE) | 6.8835% | 3,445 |
| Retained earnings to average equity (ytd only) | 6.8835% | 2,199 |
| Net charge-offs to loans | 1.2537% | 1,106 |
| Credit loss provision to net charge-offs | 52.9412% | 3,693 |
| Earnings coverage of net charge-offs (x) | 1.8441% | 3,381 |
| Efficiency ratio | 67.3097% | 4,786 |
| Assets per employee ($millions) | 4.2805% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 2,542 |
| Loan loss allowance to noncurrent loans | 76.6057% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 3,627 |
| Noncurrent loans to loans | 2.5458% | 2,941 |
| Net loans and leases to total assets | 56.9904% | 4,800 |
| Net loans and leases to deposits | 65.9977% | 4,978 |
| Net loans and leases to core deposits | 71.6920% | 4,826 |
| Total domestic deposits to total assets | 86.3521% | 3,307 |
| Equity capital to assets | 13.2869% | 1,267 |
| Core capital (leverage) ratio | 13.2171% | 1,054 |
| Tier 1 risk-based capital ratio | 22.4724% | 1,150 |
| Total risk-based capital ratio | 23.7305% | 1,127 |
| Memoranda: | ||
| Average total assets | $187,704,500 | 3,269 |
| Average earning assets | $174,548,000 | 3,229 |
| Average equity | $24,813,000 | 2,563 |
| Average total loans | $108,483,000 | 3,525 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 3,683 |
| Cost of funding earning assets | 1.2985% | 3,890 |
| Net interest margin | 3.8850% | 3,560 |
| Noninterest income to average assets | 0.1088% | 6,850 |
| Noninterest expense to average assets | 2.4133% | 6,063 |
| Loan and lease loss provision to assets | 0.4713% | 3,308 |
| Net operating income to assets | 0.6929% | 3,257 |
| Return on assets (ROA) | 0.8947% | 2,547 |
| Pretax return on assets | 1.0967% | 2,587 |
| Return on Equity (ROE) | 6.7689% | 3,229 |
| Retained earnings to average equity (ytd only) | 3.7981% | 3,204 |
| Net charge-offs to loans | 0.7049% | 2,897 |
| Credit loss provision to net charge-offs | 119.8630% | 3,527 |
| Earnings coverage of net charge-offs (x) | 3.3616% | 3,401 |
| Efficiency ratio | 64.6092% | 5,243 |
| Assets per employee ($millions) | 4.2515% | 3,289 |
| Cash dividends to net income (ytd only)* | 43.8892% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 1,991 |
| Loan loss allowance to noncurrent loans | 79.3020% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 2.1656% | 3,138 |
| Noncurrent loans to loans | 2.6923% | 2,828 |
| Net loans and leases to total assets | 56.2361% | 5,305 |
| Net loans and leases to deposits | 65.3189% | 5,479 |
| Net loans and leases to core deposits | 69.7059% | 5,473 |
| Total domestic deposits to total assets | 86.0947% | 3,312 |
| Equity capital to assets | 13.1510% | 1,319 |
| Core capital (leverage) ratio | 12.8777% | 1,170 |
| Tier 1 risk-based capital ratio | 22.1013% | 1,162 |
| Total risk-based capital ratio | 23.3610% | 1,128 |
| Memoranda: | ||
| Average total assets | $185,639,800 | 3,287 |
| Average earning assets | $173,281,400 | 3,218 |
| Average equity | $24,538,800 | 2,604 |
| Average total loans | $103,564,400 | 3,690 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 3,838 |
| Cost of funding earning assets | 1.3393% | 3,980 |
| Net interest margin | 3.8593% | 3,714 |
| Noninterest income to average assets | 0.1187% | 6,956 |
| Noninterest expense to average assets | 2.4121% | 5,996 |
| Loan and lease loss provision to assets | 0.5217% | 2,847 |
| Net operating income to assets | 0.6432% | 3,684 |
| Return on assets (ROA) | 0.9096% | 2,717 |
| Pretax return on assets | 1.1197% | 2,767 |
| Return on Equity (ROE) | 6.8722% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.4151% | 2,700 |
| Net charge-offs to loans | 0.8565% | 2,306 |
| Credit loss provision to net charge-offs | 110.0152% | 3,856 |
| Earnings coverage of net charge-offs (x) | 2.7678% | 3,762 |
| Efficiency ratio | 64.7604% | 5,095 |
| Assets per employee ($millions) | 4.2422% | 3,372 |
| Cash dividends to net income (ytd only)* | 21.2023% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1270% | 1,932 |
| Loan loss allowance to noncurrent loans | 120.5658% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 3,920 |
| Noncurrent loans to loans | 1.7642% | 4,001 |
| Net loans and leases to total assets | 54.6299% | 5,754 |
| Net loans and leases to deposits | 63.7811% | 5,940 |
| Net loans and leases to core deposits | 68.3363% | 5,904 |
| Total domestic deposits to total assets | 85.6522% | 3,265 |
| Equity capital to assets | 13.3358% | 1,431 |
| Core capital (leverage) ratio | 13.1178% | 1,182 |
| Tier 1 risk-based capital ratio | 22.3622% | 1,154 |
| Total risk-based capital ratio | 23.6216% | 1,124 |
| Memoranda: | ||
| Average total assets | $185,283,500 | 3,342 |
| Average earning assets | $173,120,500 | 3,266 |
| Average equity | $24,523,250 | 2,648 |
| Average total loans | $102,582,250 | 3,781 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2233% | 3,831 |
| Cost of funding earning assets | 1.3641% | 4,095 |
| Net interest margin | 3.8592% | 3,640 |
| Noninterest income to average assets | 0.2262% | 6,298 |
| Noninterest expense to average assets | 2.4737% | 5,819 |
| Loan and lease loss provision to assets | 0.5410% | 2,616 |
| Net operating income to assets | 0.6610% | 3,578 |
| Return on assets (ROA) | 1.0431% | 2,110 |
| Pretax return on assets | 1.3137% | 2,048 |
| Return on Equity (ROE) | 7.9015% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.7048% | 2,493 |
| Net charge-offs to loans | 0.3273% | 3,688 |
| Credit loss provision to net charge-offs | 299.4012% | 1,240 |
| Earnings coverage of net charge-offs (x) | 7.5868% | 2,277 |
| Efficiency ratio | 64.3400% | 5,271 |
| Assets per employee ($millions) | 4.1852% | 3,413 |
| Cash dividends to net income (ytd only)* | 27.8008% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4075% | 1,426 |
| Loan loss allowance to noncurrent loans | 91.1527% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 2.3622% | 3,058 |
| Noncurrent loans to loans | 2.6412% | 2,998 |
| Net loans and leases to total assets | 54.6588% | 5,889 |
| Net loans and leases to deposits | 63.8321% | 6,053 |
| Net loans and leases to core deposits | 68.1862% | 6,039 |
| Total domestic deposits to total assets | 85.6290% | 3,298 |
| Equity capital to assets | 13.3979% | 1,389 |
| Core capital (leverage) ratio | 12.9563% | 1,222 |
| Tier 1 risk-based capital ratio | 22.2354% | 1,169 |
| Total risk-based capital ratio | 23.4977% | 1,140 |
| Memoranda: | ||
| Average total assets | $184,826,000 | 3,371 |
| Average earning assets | $173,301,330 | 3,286 |
| Average equity | $24,400,330 | 2,652 |
| Average total loans | $102,047,670 | 3,831 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 3,985 |
| Cost of funding earning assets | 1.3938% | 4,221 |
| Net interest margin | 3.8123% | 3,743 |
| Noninterest income to average assets | 0.3824% | 5,071 |
| Noninterest expense to average assets | 2.4281% | 5,988 |
| Loan and lease loss provision to assets | 0.5401% | 2,343 |
| Net operating income to assets | 0.8110% | 2,914 |
| Return on assets (ROA) | 0.9786% | 2,327 |
| Pretax return on assets | 1.2162% | 2,310 |
| Return on Equity (ROE) | 7.4677% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.4677% | 1,939 |
| Net charge-offs to loans | 0.3783% | 2,919 |
| Credit loss provision to net charge-offs | 260.4167% | 1,500 |
| Earnings coverage of net charge-offs (x) | 7.4583% | 2,087 |
| Efficiency ratio | 61.0870% | 5,985 |
| Assets per employee ($millions) | 4.2195% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 1,598 |
| Loan loss allowance to noncurrent loans | 114.2291% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 2.2423% | 3,222 |
| Noncurrent loans to loans | 2.0013% | 3,788 |
| Net loans and leases to total assets | 53.0443% | 6,149 |
| Net loans and leases to deposits | 61.6645% | 6,308 |
| Net loans and leases to core deposits | 65.7484% | 6,307 |
| Total domestic deposits to total assets | 86.0209% | 3,144 |
| Equity capital to assets | 13.1894% | 1,447 |
| Core capital (leverage) ratio | 12.9944% | 1,214 |
| Tier 1 risk-based capital ratio | 22.1499% | 1,186 |
| Total risk-based capital ratio | 23.4108% | 1,163 |
| Memoranda: | ||
| Average total assets | $185,165,000 | 3,426 |
| Average earning assets | $174,488,000 | 3,329 |
| Average equity | $24,264,500 | 2,694 |
| Average total loans | $101,503,500 | 3,902 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6305% | 3,441 |
| Cost of funding earning assets | 1.9243% | 3,336 |
| Net interest margin | 3.7062% | 4,113 |
| Noninterest income to average assets | 0.3256% | 5,752 |
| Noninterest expense to average assets | 2.4901% | 6,168 |
| Loan and lease loss provision to assets | 0.7618% | 2,827 |
| Net operating income to assets | 0.5292% | 3,609 |
| Return on assets (ROA) | 0.5844% | 3,462 |
| Pretax return on assets | 0.6545% | 3,727 |
| Return on Equity (ROE) | 4.5335% | 3,868 |
| Retained earnings to average equity (ytd only) | 1.6645% | 3,919 |
| Net charge-offs to loans | 1.2883% | 1,929 |
| Credit loss provision to net charge-offs | 110.7367% | 4,970 |
| Earnings coverage of net charge-offs (x) | 1.9687% | 4,243 |
| Efficiency ratio | 64.7735% | 5,629 |
| Assets per employee ($millions) | 4.1971% | 3,447 |
| Cash dividends to net income (ytd only)* | 63.2841% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1032% | 1,820 |
| Loan loss allowance to noncurrent loans | 97.9053% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 2.4021% | 2,897 |
| Noncurrent loans to loans | 2.1482% | 3,455 |
| Net loans and leases to total assets | 54.1890% | 6,180 |
| Net loans and leases to deposits | 62.8828% | 6,376 |
| Net loans and leases to core deposits | 98.0723% | 4,215 |
| Total domestic deposits to total assets | 86.1746% | 2,916 |
| Equity capital to assets | 13.0186% | 1,497 |
| Core capital (leverage) ratio | 12.7033% | 1,349 |
| Tier 1 risk-based capital ratio | 21.6802% | 1,190 |
| Total risk-based capital ratio | 22.9309% | 1,165 |
| Memoranda: | ||
| Average total assets | $185,491,400 | 3,345 |
| Average earning assets | $176,111,800 | 3,267 |
| Average equity | $23,910,800 | 2,731 |
| Average total loans | $99,041,600 | 3,978 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6668% | 3,491 |
| Cost of funding earning assets | 2.0336% | 3,197 |
| Net interest margin | 3.6333% | 4,359 |
| Noninterest income to average assets | 0.2721% | 6,286 |
| Noninterest expense to average assets | 2.4405% | 6,276 |
| Loan and lease loss provision to assets | 0.7740% | 2,438 |
| Net operating income to assets | 0.4741% | 4,098 |
| Return on assets (ROA) | 0.5493% | 3,881 |
| Pretax return on assets | 0.6038% | 4,174 |
| Return on Equity (ROE) | 4.2716% | 4,261 |
| Retained earnings to average equity (ytd only) | 2.7696% | 3,784 |
| Net charge-offs to loans | 1.1440% | 1,765 |
| Credit loss provision to net charge-offs | 127.8766% | 3,922 |
| Earnings coverage of net charge-offs (x) | 2.1400% | 4,220 |
| Efficiency ratio | 65.3277% | 5,492 |
| Assets per employee ($millions) | 3.9751% | 3,779 |
| Cash dividends to net income (ytd only)* | 35.1638% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2676% | 1,332 |
| Loan loss allowance to noncurrent loans | 67.3054% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.3817% | 2,893 |
| Noncurrent loans to loans | 3.3691% | 2,240 |
| Net loans and leases to total assets | 52.9860% | 6,497 |
| Net loans and leases to deposits | 61.8212% | 6,689 |
| Net loans and leases to core deposits | 96.9918% | 4,705 |
| Total domestic deposits to total assets | 85.7084% | 2,859 |
| Equity capital to assets | 13.2279% | 1,610 |
| Core capital (leverage) ratio | 12.6791% | 1,508 |
| Tier 1 risk-based capital ratio | 22.4540% | 1,174 |
| Total risk-based capital ratio | 23.7153% | 1,154 |
| Memoranda: | ||
| Average total assets | $185,695,750 | 3,374 |
| Average earning assets | $177,025,750 | 3,274 |
| Average equity | $23,878,000 | 2,772 |
| Average total loans | $98,246,250 | 4,036 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7592% | 3,255 |
| Cost of funding earning assets | 2.1187% | 3,191 |
| Net interest margin | 3.6404% | 4,211 |
| Noninterest income to average assets | 0.2732% | 6,316 |
| Noninterest expense to average assets | 2.4110% | 6,423 |
| Loan and lease loss provision to assets | 0.8873% | 1,902 |
| Net operating income to assets | 0.4227% | 4,412 |
| Return on assets (ROA) | 0.4308% | 4,488 |
| Pretax return on assets | 0.4597% | 4,749 |
| Return on Equity (ROE) | 3.3818% | 4,753 |
| Retained earnings to average equity (ytd only) | 1.1188% | 4,710 |
| Net charge-offs to loans | 1.3068% | 1,411 |
| Credit loss provision to net charge-offs | 129.3750% | 3,595 |
| Earnings coverage of net charge-offs (x) | 1.9516% | 4,126 |
| Efficiency ratio | 64.3041% | 5,851 |
| Assets per employee ($millions) | 4.0390% | 3,603 |
| Cash dividends to net income (ytd only)* | 66.9154% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,221 |
| Loan loss allowance to noncurrent loans | 67.9531% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 3,408 |
| Noncurrent loans to loans | 3.2563% | 2,179 |
| Net loans and leases to total assets | 52.3523% | 6,640 |
| Net loans and leases to deposits | 60.7596% | 6,832 |
| Net loans and leases to core deposits | 95.8645% | 4,916 |
| Total domestic deposits to total assets | 86.1631% | 2,698 |
| Equity capital to assets | 12.7534% | 1,811 |
| Core capital (leverage) ratio | 12.3957% | 1,653 |
| Tier 1 risk-based capital ratio | 21.6367% | 1,312 |
| Total risk-based capital ratio | 22.8488% | 1,282 |
| Memoranda: | ||
| Average total assets | $186,642,330 | 3,386 |
| Average earning assets | $178,220,670 | 3,282 |
| Average equity | $23,774,670 | 2,781 |
| Average total loans | $97,949,670 | 4,064 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 3,937 |
| Cost of funding earning assets | 2.1942% | 3,195 |
| Net interest margin | 3.4771% | 4,819 |
| Noninterest income to average assets | 0.0791% | 7,661 |
| Noninterest expense to average assets | 2.2858% | 6,583 |
| Loan and lease loss provision to assets | 0.2138% | 4,310 |
| Net operating income to assets | 0.7386% | 3,397 |
| Return on assets (ROA) | 0.7527% | 3,516 |
| Pretax return on assets | 0.9173% | 3,651 |
| Return on Equity (ROE) | 5.9124% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.9124% | 2,669 |
| Net charge-offs to loans | 0.2017% | 3,426 |
| Credit loss provision to net charge-offs | 204.0816% | 2,179 |
| Earnings coverage of net charge-offs (x) | 10.6327% | 1,938 |
| Efficiency ratio | 67.2327% | 5,096 |
| Assets per employee ($millions) | 4.1057% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 1,208 |
| Loan loss allowance to noncurrent loans | 73.0456% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.5975% | 3,518 |
| Noncurrent loans to loans | 2.8926% | 2,257 |
| Net loans and leases to total assets | 50.6550% | 6,799 |
| Net loans and leases to deposits | 58.7241% | 6,992 |
| Net loans and leases to core deposits | 92.5070% | 5,302 |
| Total domestic deposits to total assets | 86.2593% | 2,581 |
| Equity capital to assets | 12.7072% | 1,884 |
| Core capital (leverage) ratio | 12.6676% | 1,618 |
| Tier 1 risk-based capital ratio | 21.9130% | 1,311 |
| Total risk-based capital ratio | 23.1712% | 1,280 |
| Memoranda: | ||
| Average total assets | $187,067,000 | 3,396 |
| Average earning assets | $178,656,000 | 3,299 |
| Average equity | $23,814,500 | 2,791 |
| Average total loans | $97,190,500 | 4,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2580% | 4,199 |
| Cost of funding earning assets | 2.6632% | 3,349 |
| Net interest margin | 3.5948% | 4,913 |
| Noninterest income to average assets | 0.4687% | 4,889 |
| Noninterest expense to average assets | 2.3598% | 6,533 |
| Loan and lease loss provision to assets | 0.6750% | 2,155 |
| Net operating income to assets | 0.6937% | 3,921 |
| Return on assets (ROA) | 0.6946% | 3,751 |
| Pretax return on assets | 0.8443% | 3,909 |
| Return on Equity (ROE) | 5.5636% | 4,128 |
| Retained earnings to average equity (ytd only) | 2.5638% | 3,598 |
| Net charge-offs to loans | 0.8795% | 1,412 |
| Credit loss provision to net charge-offs | 151.7748% | 3,453 |
| Earnings coverage of net charge-offs (x) | 3.4137% | 4,381 |
| Efficiency ratio | 60.8506% | 6,194 |
| Assets per employee ($millions) | 4.0277% | 3,455 |
| Cash dividends to net income (ytd only)* | 53.9185% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 1,098 |
| Loan loss allowance to noncurrent loans | 63.1628% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 2,544 |
| Noncurrent loans to loans | 3.2975% | 1,575 |
| Net loans and leases to total assets | 51.0790% | 6,929 |
| Net loans and leases to deposits | 59.2613% | 7,138 |
| Net loans and leases to core deposits | 90.0805% | 5,792 |
| Total domestic deposits to total assets | 86.1927% | 2,319 |
| Equity capital to assets | 12.7542% | 1,891 |
| Core capital (leverage) ratio | 12.6547% | 1,681 |
| Tier 1 risk-based capital ratio | 21.8553% | 1,331 |
| Total risk-based capital ratio | 23.1132% | 1,298 |
| Memoranda: | ||
| Average total assets | $183,700,400 | 3,362 |
| Average earning assets | $174,225,600 | 3,262 |
| Average equity | $22,934,600 | 2,857 |
| Average total loans | $92,893,400 | 4,136 |