Home > Guaranty Bank and Trust Company > Performance and Condition Ratios
Guaranty Bank and Trust Company, 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 | 5.5103% | 1,141 |
| Cost of funding earning assets | 0.9793% | 3,345 |
| Net interest margin | 4.5310% | 585 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.9187% | 1,238 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3707% | 1,274 |
| Return on assets (ROA) | 1.3707% | 1,246 |
| Pretax return on assets | 1.7181% | 1,029 |
| Return on Equity (ROE) | 11.8600% | 1,989 |
| Retained earnings to average equity (ytd only) | 11.4876% | 702 |
| Net charge-offs to loans | 0.0252% | 1,810 |
| Credit loss provision to net charge-offs | 233.9286% | 1,118 |
| Earnings coverage of net charge-offs (x) | 91.6429% | 947 |
| Efficiency ratio | 62.0816% | 2,824 |
| Assets per employee ($millions) | 3.9303% | 4,184 |
| Cash dividends to net income (ytd only)* | 3.1595% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,210 |
| Loan loss allowance to noncurrent loans | 83.9763% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 369 |
| Noncurrent loans to loans | 1.2147% | 586 |
| Net loans and leases to total assets | 72.5900% | 1,515 |
| Net loans and leases to deposits | 87.1980% | 1,520 |
| Net loans and leases to core deposits | 94.4857% | 1,741 |
| Total domestic deposits to total assets | 83.2500% | 2,826 |
| Equity capital to assets | 11.9157% | 1,157 |
| Core capital (leverage) ratio | 13.2335% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7254% | 629 |
| Memoranda: | ||
| Average total assets | $290,954,400 | 2,466 |
| Average earning assets | $270,202,400 | 2,464 |
| Average equity | $33,618,800 | 2,113 |
| Average total loans | $222,594,400 | 2,147 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 1,085 |
| Cost of funding earning assets | 0.8414% | 3,424 |
| Net interest margin | 4.5987% | 530 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.9417% | 1,156 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2744% | 1,595 |
| Return on assets (ROA) | 1.2744% | 1,588 |
| Pretax return on assets | 1.6141% | 1,319 |
| Return on Equity (ROE) | 11.1200% | 2,344 |
| Retained earnings to average equity (ytd only) | 10.8455% | 1,185 |
| Net charge-offs to loans | 0.0132% | 1,926 |
| Credit loss provision to net charge-offs | 445.4545% | 689 |
| Earnings coverage of net charge-offs (x) | 163.0455% | 694 |
| Efficiency ratio | 63.6592% | 2,538 |
| Assets per employee ($millions) | 3.7921% | 4,237 |
| Cash dividends to net income (ytd only)* | 2.4700% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,379 |
| Loan loss allowance to noncurrent loans | 66.2087% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.4573% | 259 |
| Noncurrent loans to loans | 1.5084% | 478 |
| Net loans and leases to total assets | 77.9100% | 896 |
| Net loans and leases to deposits | 92.3265% | 1,023 |
| Net loans and leases to core deposits | 99.2578% | 1,361 |
| Total domestic deposits to total assets | 84.3800% | 2,670 |
| Equity capital to assets | 11.6866% | 1,128 |
| Core capital (leverage) ratio | 12.9893% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7895% | 724 |
| Memoranda: | ||
| Average total assets | $288,034,250 | 2,487 |
| Average earning assets | $267,634,000 | 2,475 |
| Average equity | $33,008,250 | 2,127 |
| Average total loans | $222,756,000 | 2,144 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 1,069 |
| Cost of funding earning assets | 0.6489% | 3,629 |
| Net interest margin | 4.6590% | 491 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.9183% | 1,177 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.3418% | 1,471 |
| Return on assets (ROA) | 1.3418% | 1,456 |
| Pretax return on assets | 1.7001% | 1,212 |
| Return on Equity (ROE) | 11.7900% | 2,219 |
| Retained earnings to average equity (ytd only) | 11.3714% | 1,108 |
| Net charge-offs to loans | 0.0045% | 2,119 |
| Credit loss provision to net charge-offs | 1,100.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 501.0000% | 294 |
| Efficiency ratio | 62.3975% | 2,661 |
| Assets per employee ($millions) | 3.9998% | 4,178 |
| Cash dividends to net income (ytd only)* | 3.5197% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,429 |
| Loan loss allowance to noncurrent loans | 53.1829% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 190 |
| Noncurrent loans to loans | 1.8774% | 312 |
| Net loans and leases to total assets | 77.0900% | 931 |
| Net loans and leases to deposits | 93.7853% | 886 |
| Net loans and leases to core deposits | 99.0992% | 1,283 |
| Total domestic deposits to total assets | 82.2000% | 3,193 |
| Equity capital to assets | 11.6809% | 1,143 |
| Core capital (leverage) ratio | 12.8200% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3389% | 781 |
| Memoranda: | ||
| Average total assets | $287,978,667 | 2,491 |
| Average earning assets | $267,825,667 | 2,487 |
| Average equity | $32,784,000 | 2,150 |
| Average total loans | $221,411,000 | 2,147 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 879 |
| Cost of funding earning assets | 0.4894% | 3,731 |
| Net interest margin | 4.7659% | 395 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.8780% | 1,278 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4710% | 1,238 |
| Return on assets (ROA) | 1.4710% | 1,221 |
| Pretax return on assets | 1.8599% | 969 |
| Return on Equity (ROE) | 13.0900% | 1,966 |
| Retained earnings to average equity (ytd only) | 13.0917% | 1,077 |
| Net charge-offs to loans | 0.0091% | 1,603 |
| Credit loss provision to net charge-offs | 520.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 273.4000% | 397 |
| Efficiency ratio | 59.9884% | 2,959 |
| Assets per employee ($millions) | 4.1782% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,528 |
| Loan loss allowance to noncurrent loans | 109.2977% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 458 |
| Noncurrent loans to loans | 0.9135% | 828 |
| Net loans and leases to total assets | 76.0100% | 971 |
| Net loans and leases to deposits | 86.7394% | 1,302 |
| Net loans and leases to core deposits | 89.5267% | 1,646 |
| Total domestic deposits to total assets | 87.6300% | 2,053 |
| Equity capital to assets | 11.4423% | 1,171 |
| Core capital (leverage) ratio | 12.2158% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9965% | 845 |
| Memoranda: | ||
| Average total assets | $287,976,500 | 2,526 |
| Average earning assets | $268,069,000 | 2,515 |
| Average equity | $32,356,500 | 2,201 |
| Average total loans | $219,996,000 | 2,170 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 651 |
| Cost of funding earning assets | 0.2428% | 3,387 |
| Net interest margin | 4.3135% | 410 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.6370% | 1,708 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.2896% | 1,468 |
| Return on assets (ROA) | 1.2896% | 1,427 |
| Pretax return on assets | 1.6170% | 1,122 |
| Return on Equity (ROE) | 12.0500% | 2,122 |
| Retained earnings to average equity (ytd only) | 11.6399% | 752 |
| Net charge-offs to loans | 0.0046% | 2,274 |
| Credit loss provision to net charge-offs | 4,166.6667% | 155 |
| Earnings coverage of net charge-offs (x) | 560.8889% | 308 |
| Efficiency ratio | 59.8863% | 3,072 |
| Assets per employee ($millions) | 4.0515% | 4,266 |
| Cash dividends to net income (ytd only)* | 3.4076% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,378 |
| Loan loss allowance to noncurrent loans | 106.4689% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 449 |
| Noncurrent loans to loans | 0.9404% | 790 |
| Net loans and leases to total assets | 75.2500% | 1,096 |
| Net loans and leases to deposits | 85.4295% | 1,357 |
| Net loans and leases to core deposits | 87.5580% | 1,643 |
| Total domestic deposits to total assets | 88.0800% | 2,048 |
| Equity capital to assets | 11.0289% | 1,245 |
| Core capital (leverage) ratio | 12.3137% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6440% | 876 |
| Memoranda: | ||
| Average total assets | $288,997,400 | 2,504 |
| Average earning assets | $270,221,600 | 2,491 |
| Average equity | $30,928,000 | 2,297 |
| Average total loans | $196,851,200 | 2,251 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 590 |
| Cost of funding earning assets | 0.2189% | 3,047 |
| Net interest margin | 4.1784% | 441 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.5986% | 1,713 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1921% | 1,729 |
| Return on assets (ROA) | 1.1921% | 1,704 |
| Pretax return on assets | 1.5308% | 1,322 |
| Return on Equity (ROE) | 11.2200% | 2,293 |
| Retained earnings to average equity (ytd only) | 10.9254% | 1,075 |
| Net charge-offs to loans | 0.0021% | 2,203 |
| Credit loss provision to net charge-offs | 10,166.6667% | 57 |
| Earnings coverage of net charge-offs (x) | 1,209.0000% | 119 |
| Efficiency ratio | 60.5763% | 3,042 |
| Assets per employee ($millions) | 4.3144% | 4,170 |
| Cash dividends to net income (ytd only)* | 2.6672% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,485 |
| Loan loss allowance to noncurrent loans | 164.4737% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 727 |
| Noncurrent loans to loans | 0.6078% | 1,335 |
| Net loans and leases to total assets | 75.0400% | 1,007 |
| Net loans and leases to deposits | 85.0651% | 1,228 |
| Net loans and leases to core deposits | 87.2329% | 1,455 |
| Total domestic deposits to total assets | 88.2200% | 2,358 |
| Equity capital to assets | 10.6922% | 1,293 |
| Core capital (leverage) ratio | 11.8225% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4746% | 924 |
| Memoranda: | ||
| Average total assets | $289,333,250 | 2,520 |
| Average earning assets | $271,038,750 | 2,509 |
| Average equity | $30,728,750 | 2,336 |
| Average total loans | $191,405,250 | 2,295 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 773 |
| Cost of funding earning assets | 0.2062% | 2,836 |
| Net interest margin | 3.8878% | 623 |
| Noninterest income to average assets | 0.3736% | 2,907 |
| Noninterest expense to average assets | 2.4879% | 1,967 |
| Loan and lease loss provision to assets | 0.0855% | 1,159 |
| Net operating income to assets | 1.1406% | 1,628 |
| Return on assets (ROA) | 1.1406% | 1,609 |
| Pretax return on assets | 1.4513% | 1,306 |
| Return on Equity (ROE) | 10.7629% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.3304% | 945 |
| Net charge-offs to loans | 0.0033% | 1,940 |
| Credit loss provision to net charge-offs | 4,166.6667% | 128 |
| Earnings coverage of net charge-offs (x) | 748.6667% | 188 |
| Efficiency ratio | 61.5267% | 3,105 |
| Assets per employee ($millions) | 4.2701% | 4,224 |
| Cash dividends to net income (ytd only)* | 4.0192% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,599 |
| Loan loss allowance to noncurrent loans | 151.2442% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 797 |
| Noncurrent loans to loans | 0.6603% | 1,297 |
| Net loans and leases to total assets | 66.4055% | 1,640 |
| Net loans and leases to deposits | 75.1312% | 1,751 |
| Net loans and leases to core deposits | 76.8191% | 1,941 |
| Total domestic deposits to total assets | 88.3860% | 2,429 |
| Equity capital to assets | 10.5078% | 1,426 |
| Core capital (leverage) ratio | 11.0884% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4475% | 790 |
| Memoranda: | ||
| Average total assets | $292,298,333 | 2,523 |
| Average earning assets | $274,502,333 | 2,510 |
| Average equity | $30,976,667 | 2,373 |
| Average total loans | $184,348,333 | 2,353 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 977 |
| Cost of funding earning assets | 0.2056% | 2,716 |
| Net interest margin | 3.6585% | 809 |
| Noninterest income to average assets | 0.3833% | 2,791 |
| Noninterest expense to average assets | 2.3637% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1689% | 1,329 |
| Return on assets (ROA) | 1.1689% | 1,327 |
| Pretax return on assets | 1.4663% | 1,088 |
| Return on Equity (ROE) | 10.9838% | 1,625 |
| Retained earnings to average equity (ytd only) | 10.9838% | 790 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3960% | 3,337 |
| Assets per employee ($millions) | 4.8703% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,589 |
| Loan loss allowance to noncurrent loans | 140.9899% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 887 |
| Noncurrent loans to loans | 0.7312% | 1,303 |
| Net loans and leases to total assets | 57.9614% | 2,301 |
| Net loans and leases to deposits | 65.3815% | 2,398 |
| Net loans and leases to core deposits | 66.7227% | 2,560 |
| Total domestic deposits to total assets | 88.6511% | 2,230 |
| Equity capital to assets | 10.1855% | 1,767 |
| Core capital (leverage) ratio | 10.8900% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9797% | 645 |
| Memoranda: | ||
| Average total assets | $293,264,500 | 2,531 |
| Average earning assets | $276,290,500 | 2,517 |
| Average equity | $31,209,500 | 2,423 |
| Average total loans | $179,140,500 | 2,386 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 822 |
| Cost of funding earning assets | 0.3293% | 2,130 |
| Net interest margin | 3.9918% | 723 |
| Noninterest income to average assets | 0.1937% | 4,203 |
| Noninterest expense to average assets | 2.5183% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1706% | 2,019 |
| Return on assets (ROA) | 1.1706% | 2,077 |
| Pretax return on assets | 1.4772% | 1,795 |
| Return on Equity (ROE) | 10.2200% | 2,449 |
| Retained earnings to average equity (ytd only) | 4.8056% | 2,857 |
| Net charge-offs to loans | 0.0190% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 117.7647% | 796 |
| Efficiency ratio | 62.7147% | 2,763 |
| Assets per employee ($millions) | 4.9064% | 3,815 |
| Cash dividends to net income (ytd only)* | 52.9783% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,728 |
| Loan loss allowance to noncurrent loans | 175.6262% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 1,074 |
| Noncurrent loans to loans | 0.5721% | 1,712 |
| Net loans and leases to total assets | 63.1182% | 1,805 |
| Net loans and leases to deposits | 72.1433% | 1,895 |
| Net loans and leases to core deposits | 73.7349% | 2,104 |
| Total domestic deposits to total assets | 87.4899% | 2,283 |
| Equity capital to assets | 11.1266% | 1,713 |
| Core capital (leverage) ratio | 11.3607% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8804% | 667 |
| Memoranda: | ||
| Average total assets | $271,057,000 | 2,592 |
| Average earning assets | $258,154,400 | 2,562 |
| Average equity | $31,047,000 | 2,468 |
| Average total loans | $178,756,400 | 2,395 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 807 |
| Cost of funding earning assets | 0.3610% | 2,013 |
| Net interest margin | 4.0394% | 733 |
| Noninterest income to average assets | 0.1818% | 4,287 |
| Noninterest expense to average assets | 2.5283% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1959% | 2,183 |
| Return on assets (ROA) | 1.1959% | 2,238 |
| Pretax return on assets | 1.5107% | 1,968 |
| Return on Equity (ROE) | 10.3624% | 2,609 |
| Retained earnings to average equity (ytd only) | 3.1808% | 3,837 |
| Net charge-offs to loans | 0.0210% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 108.3214% | 832 |
| Efficiency ratio | 62.2765% | 2,646 |
| Assets per employee ($millions) | 4.8294% | 3,860 |
| Cash dividends to net income (ytd only)* | 69.3045% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,734 |
| Loan loss allowance to noncurrent loans | 159.0435% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 1,032 |
| Noncurrent loans to loans | 0.6486% | 1,688 |
| Net loans and leases to total assets | 63.7501% | 1,800 |
| Net loans and leases to deposits | 73.0661% | 1,951 |
| Net loans and leases to core deposits | 74.9116% | 2,148 |
| Total domestic deposits to total assets | 87.2498% | 2,243 |
| Equity capital to assets | 11.2971% | 1,814 |
| Core capital (leverage) ratio | 11.3229% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0609% | 597 |
| Memoranda: | ||
| Average total assets | $267,678,500 | 2,639 |
| Average earning assets | $255,608,750 | 2,599 |
| Average equity | $30,893,000 | 2,504 |
| Average total loans | $178,085,750 | 2,435 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 593 |
| Cost of funding earning assets | 0.3732% | 2,105 |
| Net interest margin | 4.2592% | 525 |
| Noninterest income to average assets | 0.1426% | 4,490 |
| Noninterest expense to average assets | 2.5526% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3087% | 1,837 |
| Return on assets (ROA) | 1.3087% | 1,911 |
| Pretax return on assets | 1.6534% | 1,605 |
| Return on Equity (ROE) | 11.2572% | 2,316 |
| Retained earnings to average equity (ytd only) | 0.4607% | 4,441 |
| Net charge-offs to loans | 0.0045% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 548.0000% | 242 |
| Efficiency ratio | 60.3838% | 2,963 |
| Assets per employee ($millions) | 4.5649% | 4,059 |
| Cash dividends to net income (ytd only)* | 95.9078% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,652 |
| Loan loss allowance to noncurrent loans | 191.6236% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 1,240 |
| Noncurrent loans to loans | 0.5455% | 2,037 |
| Net loans and leases to total assets | 65.1303% | 1,809 |
| Net loans and leases to deposits | 74.7789% | 1,926 |
| Net loans and leases to core deposits | 77.0597% | 2,129 |
| Total domestic deposits to total assets | 87.0971% | 2,266 |
| Equity capital to assets | 11.3367% | 1,739 |
| Core capital (leverage) ratio | 11.0558% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2283% | 601 |
| Memoranda: | ||
| Average total assets | $265,146,333 | 2,648 |
| Average earning assets | $252,955,667 | 2,613 |
| Average equity | $30,824,667 | 2,496 |
| Average total loans | $178,342,000 | 2,444 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 790 |
| Cost of funding earning assets | 0.3860% | 2,210 |
| Net interest margin | 4.1021% | 718 |
| Noninterest income to average assets | 0.1490% | 4,456 |
| Noninterest expense to average assets | 2.5424% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2028% | 2,130 |
| Return on assets (ROA) | 1.2028% | 2,213 |
| Pretax return on assets | 1.5176% | 1,948 |
| Return on Equity (ROE) | 10.2162% | 2,616 |
| Retained earnings to average equity (ytd only) | 10.0354% | 1,641 |
| Net charge-offs to loans | 0.0067% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 332.6667% | 272 |
| Efficiency ratio | 62.2846% | 2,706 |
| Assets per employee ($millions) | 4.4994% | 4,101 |
| Cash dividends to net income (ytd only)* | 1.7699% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,713 |
| Loan loss allowance to noncurrent loans | 126.6393% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 987 |
| Noncurrent loans to loans | 0.8164% | 1,632 |
| Net loans and leases to total assets | 64.6615% | 1,960 |
| Net loans and leases to deposits | 74.4108% | 2,081 |
| Net loans and leases to core deposits | 76.8417% | 2,283 |
| Total domestic deposits to total assets | 86.8981% | 2,348 |
| Equity capital to assets | 11.3924% | 1,610 |
| Core capital (leverage) ratio | 11.6054% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5707% | 546 |
| Memoranda: | ||
| Average total assets | $263,055,500 | 2,644 |
| Average earning assets | $250,799,000 | 2,607 |
| Average equity | $30,970,500 | 2,487 |
| Average total loans | $178,879,500 | 2,446 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 405 |
| Cost of funding earning assets | 0.5396% | 2,684 |
| Net interest margin | 4.5656% | 284 |
| Noninterest income to average assets | 0.2677% | 3,878 |
| Noninterest expense to average assets | 2.7419% | 2,112 |
| Loan and lease loss provision to assets | 0.0421% | 3,873 |
| Net operating income to assets | 1.4341% | 944 |
| Return on assets (ROA) | 1.4341% | 1,031 |
| Pretax return on assets | 1.8108% | 670 |
| Return on Equity (ROE) | 11.1441% | 1,576 |
| Retained earnings to average equity (ytd only) | 4.1476% | 2,737 |
| Net charge-offs to loans | 0.0050% | 3,165 |
| Credit loss provision to net charge-offs | 1,111.1111% | 724 |
| Earnings coverage of net charge-offs (x) | 489.1111% | 241 |
| Efficiency ratio | 59.3624% | 3,543 |
| Assets per employee ($millions) | 4.2652% | 4,160 |
| Cash dividends to net income (ytd only)* | 62.7825% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,717 |
| Loan loss allowance to noncurrent loans | 87.8845% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 650 |
| Noncurrent loans to loans | 1.1842% | 1,194 |
| Net loans and leases to total assets | 70.1679% | 1,539 |
| Net loans and leases to deposits | 81.6189% | 1,694 |
| Net loans and leases to core deposits | 84.5618% | 1,989 |
| Total domestic deposits to total assets | 85.9701% | 2,377 |
| Equity capital to assets | 12.1889% | 1,482 |
| Core capital (leverage) ratio | 12.2666% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8102% | 601 |
| Memoranda: | ||
| Average total assets | $237,574,800 | 2,672 |
| Average earning assets | $225,163,000 | 2,634 |
| Average equity | $30,572,200 | 2,454 |
| Average total loans | $179,754,200 | 2,416 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2470% | 378 |
| Cost of funding earning assets | 0.5684% | 2,819 |
| Net interest margin | 4.6786% | 268 |
| Noninterest income to average assets | 0.2598% | 3,921 |
| Noninterest expense to average assets | 2.7332% | 2,165 |
| Loan and lease loss provision to assets | 0.0568% | 3,639 |
| Net operating income to assets | 1.4930% | 923 |
| Return on assets (ROA) | 1.4930% | 1,004 |
| Pretax return on assets | 1.9003% | 632 |
| Return on Equity (ROE) | 11.4400% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.1170% | 553 |
| Net charge-offs to loans | 0.0052% | 2,955 |
| Credit loss provision to net charge-offs | 1,428.5714% | 639 |
| Earnings coverage of net charge-offs (x) | 490.8571% | 234 |
| Efficiency ratio | 57.9548% | 3,672 |
| Assets per employee ($millions) | 4.1910% | 4,152 |
| Cash dividends to net income (ytd only)* | 2.8233% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,666 |
| Loan loss allowance to noncurrent loans | 332.5581% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 1,727 |
| Noncurrent loans to loans | 0.3037% | 3,195 |
| Net loans and leases to total assets | 74.9619% | 1,240 |
| Net loans and leases to deposits | 88.4896% | 1,429 |
| Net loans and leases to core deposits | 91.6538% | 1,825 |
| Total domestic deposits to total assets | 84.7127% | 2,546 |
| Equity capital to assets | 13.1386% | 1,121 |
| Core capital (leverage) ratio | 12.9672% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2250% | 566 |
| Memoranda: | ||
| Average total assets | $234,056,500 | 2,681 |
| Average earning assets | $221,658,000 | 2,644 |
| Average equity | $30,547,000 | 2,446 |
| Average total loans | $180,084,500 | 2,413 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 397 |
| Cost of funding earning assets | 0.5879% | 3,027 |
| Net interest margin | 4.8215% | 274 |
| Noninterest income to average assets | 0.2701% | 3,861 |
| Noninterest expense to average assets | 2.7527% | 2,203 |
| Loan and lease loss provision to assets | 0.0866% | 3,201 |
| Net operating income to assets | 1.5616% | 825 |
| Return on assets (ROA) | 1.5616% | 894 |
| Pretax return on assets | 1.9952% | 551 |
| Return on Equity (ROE) | 11.9932% | 1,334 |
| Retained earnings to average equity (ytd only) | 11.5013% | 531 |
| Net charge-offs to loans | 0.0034% | 2,870 |
| Credit loss provision to net charge-offs | 3,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 801.6667% | 116 |
| Efficiency ratio | 56.6338% | 3,872 |
| Assets per employee ($millions) | 4.2136% | 4,090 |
| Cash dividends to net income (ytd only)* | 4.1020% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,494 |
| Loan loss allowance to noncurrent loans | 190.1020% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 1,460 |
| Noncurrent loans to loans | 0.5346% | 2,566 |
| Net loans and leases to total assets | 74.2523% | 1,380 |
| Net loans and leases to deposits | 87.3100% | 1,626 |
| Net loans and leases to core deposits | 90.3612% | 2,048 |
| Total domestic deposits to total assets | 85.0445% | 2,378 |
| Equity capital to assets | 12.7480% | 1,257 |
| Core capital (leverage) ratio | 12.6643% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5232% | 624 |
| Memoranda: | ||
| Average total assets | $231,049,333 | 2,675 |
| Average earning assets | $218,730,000 | 2,641 |
| Average equity | $30,083,667 | 2,456 |
| Average total loans | $178,754,333 | 2,415 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 614 |
| Cost of funding earning assets | 0.6214% | 3,324 |
| Net interest margin | 4.6175% | 393 |
| Noninterest income to average assets | 0.3868% | 3,195 |
| Noninterest expense to average assets | 2.8274% | 2,351 |
| Loan and lease loss provision to assets | 0.0891% | 2,572 |
| Net operating income to assets | 1.4404% | 904 |
| Return on assets (ROA) | 1.4404% | 976 |
| Pretax return on assets | 1.8415% | 642 |
| Return on Equity (ROE) | 10.9381% | 1,428 |
| Retained earnings to average equity (ytd only) | 10.8298% | 591 |
| Net charge-offs to loans | 0.0068% | 2,330 |
| Credit loss provision to net charge-offs | 1,666.6667% | 388 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 190 |
| Efficiency ratio | 59.0858% | 3,855 |
| Assets per employee ($millions) | 3.9373% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.9901% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,598 |
| Loan loss allowance to noncurrent loans | 72.6362% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 1,141 |
| Noncurrent loans to loans | 1.4039% | 1,132 |
| Net loans and leases to total assets | 75.7526% | 1,345 |
| Net loans and leases to deposits | 89.5045% | 1,575 |
| Net loans and leases to core deposits | 93.0567% | 2,064 |
| Total domestic deposits to total assets | 84.6355% | 2,553 |
| Equity capital to assets | 12.9328% | 1,461 |
| Core capital (leverage) ratio | 13.1682% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4302% | 815 |
| Memoranda: | ||
| Average total assets | $224,378,500 | 2,677 |
| Average earning assets | $212,411,000 | 2,642 |
| Average equity | $29,548,000 | 2,487 |
| Average total loans | $176,467,000 | 2,398 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 694 |
| Cost of funding earning assets | 0.5694% | 3,777 |
| Net interest margin | 4.8124% | 387 |
| Noninterest income to average assets | 0.4051% | 3,268 |
| Noninterest expense to average assets | 2.9430% | 2,163 |
| Loan and lease loss provision to assets | 0.1229% | 1,725 |
| Net operating income to assets | 1.5037% | 1,043 |
| Return on assets (ROA) | 1.5037% | 1,109 |
| Pretax return on assets | 1.8979% | 750 |
| Return on Equity (ROE) | 11.5394% | 1,675 |
| Retained earnings to average equity (ytd only) | 8.5031% | 833 |
| Net charge-offs to loans | 0.0536% | 2,337 |
| Credit loss provision to net charge-offs | 288.8889% | 970 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 1,167 |
| Efficiency ratio | 58.9658% | 3,838 |
| Assets per employee ($millions) | 3.7320% | 4,230 |
| Cash dividends to net income (ytd only)* | 26.3125% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,445 |
| Loan loss allowance to noncurrent loans | 197.9821% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,538 |
| Noncurrent loans to loans | 0.5093% | 2,665 |
| Net loans and leases to total assets | 80.0999% | 771 |
| Net loans and leases to deposits | 92.6512% | 1,295 |
| Net loans and leases to core deposits | 95.3665% | 1,954 |
| Total domestic deposits to total assets | 86.4531% | 1,867 |
| Equity capital to assets | 13.4221% | 1,317 |
| Core capital (leverage) ratio | 13.5215% | 1,049 |
| Tier 1 risk-based capital ratio | 19.4685% | 1,419 |
| Total risk-based capital ratio | 20.6639% | 1,397 |
| Memoranda: | ||
| Average total assets | $211,550,000 | 2,741 |
| Average earning assets | $200,399,800 | 2,711 |
| Average equity | $27,566,400 | 2,525 |
| Average total loans | $168,012,400 | 2,428 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 795 |
| Cost of funding earning assets | 0.5486% | 3,934 |
| Net interest margin | 4.7901% | 424 |
| Noninterest income to average assets | 0.4070% | 3,269 |
| Noninterest expense to average assets | 2.9002% | 2,267 |
| Loan and lease loss provision to assets | 0.1293% | 1,497 |
| Net operating income to assets | 1.4961% | 1,197 |
| Return on assets (ROA) | 1.4961% | 1,256 |
| Pretax return on assets | 1.9214% | 823 |
| Return on Equity (ROE) | 11.5706% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.7856% | 1,497 |
| Net charge-offs to loans | 0.0233% | 2,631 |
| Credit loss provision to net charge-offs | 703.4483% | 473 |
| Earnings coverage of net charge-offs (x) | 111.5394% | 692 |
| Efficiency ratio | 58.2458% | 3,901 |
| Assets per employee ($millions) | 3.8370% | 4,118 |
| Cash dividends to net income (ytd only)* | 32.7119% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,508 |
| Loan loss allowance to noncurrent loans | 164.1335% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 2,549 |
| Noncurrent loans to loans | 0.6161% | 2,432 |
| Net loans and leases to total assets | 79.2635% | 946 |
| Net loans and leases to deposits | 96.6348% | 938 |
| Net loans and leases to core deposits | 99.1507% | 1,728 |
| Total domestic deposits to total assets | 82.0238% | 3,474 |
| Equity capital to assets | 12.9591% | 1,651 |
| Core capital (leverage) ratio | 13.5057% | 1,127 |
| Tier 1 risk-based capital ratio | 19.1896% | 1,526 |
| Total risk-based capital ratio | 20.4034% | 1,503 |
| Memoranda: | ||
| Average total assets | $210,323,500 | 2,773 |
| Average earning assets | $199,517,750 | 2,738 |
| Average equity | $27,194,750 | 2,560 |
| Average total loans | $166,228,750 | 2,474 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3300% | 761 |
| Cost of funding earning assets | 0.5313% | 3,978 |
| Net interest margin | 4.7987% | 405 |
| Noninterest income to average assets | 0.4231% | 3,110 |
| Noninterest expense to average assets | 2.9259% | 2,206 |
| Loan and lease loss provision to assets | 0.1050% | 1,781 |
| Net operating income to assets | 1.5198% | 1,095 |
| Return on assets (ROA) | 1.5198% | 1,138 |
| Pretax return on assets | 1.9448% | 760 |
| Return on Equity (ROE) | 11.7634% | 1,671 |
| Retained earnings to average equity (ytd only) | 6.0048% | 2,282 |
| Net charge-offs to loans | 0.0147% | 2,617 |
| Credit loss provision to net charge-offs | 908.3333% | 374 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 426 |
| Efficiency ratio | 58.4738% | 3,944 |
| Assets per employee ($millions) | 3.8371% | 4,078 |
| Cash dividends to net income (ytd only)* | 48.9537% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,605 |
| Loan loss allowance to noncurrent loans | 129.3354% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 2,143 |
| Noncurrent loans to loans | 0.7746% | 2,047 |
| Net loans and leases to total assets | 80.7395% | 767 |
| Net loans and leases to deposits | 93.3305% | 1,333 |
| Net loans and leases to core deposits | 95.5021% | 2,117 |
| Total domestic deposits to total assets | 86.5092% | 1,817 |
| Equity capital to assets | 13.2919% | 1,444 |
| Core capital (leverage) ratio | 12.9561% | 1,314 |
| Tier 1 risk-based capital ratio | 19.0668% | 1,536 |
| Total risk-based capital ratio | 20.2533% | 1,520 |
| Memoranda: | ||
| Average total assets | $207,527,670 | 2,808 |
| Average earning assets | $196,885,670 | 2,764 |
| Average equity | $26,812,000 | 2,582 |
| Average total loans | $163,262,000 | 2,506 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 838 |
| Cost of funding earning assets | 0.4974% | 4,072 |
| Net interest margin | 4.7424% | 451 |
| Noninterest income to average assets | 0.4430% | 2,888 |
| Noninterest expense to average assets | 2.9005% | 2,278 |
| Loan and lease loss provision to assets | 0.0867% | 1,975 |
| Net operating income to assets | 1.5311% | 1,047 |
| Return on assets (ROA) | 1.5311% | 1,074 |
| Pretax return on assets | 1.9548% | 694 |
| Return on Equity (ROE) | 12.0238% | 1,519 |
| Retained earnings to average equity (ytd only) | 1.4671% | 4,206 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3398% | 4,034 |
| Assets per employee ($millions) | 3.5931% | 4,470 |
| Cash dividends to net income (ytd only)* | 87.7987% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,600 |
| Loan loss allowance to noncurrent loans | 193.0588% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 2,982 |
| Noncurrent loans to loans | 0.5264% | 2,742 |
| Net loans and leases to total assets | 75.3951% | 1,582 |
| Net loans and leases to deposits | 86.4813% | 2,070 |
| Net loans and leases to core deposits | 88.2397% | 2,657 |
| Total domestic deposits to total assets | 87.1808% | 1,723 |
| Equity capital to assets | 12.5654% | 1,695 |
| Core capital (leverage) ratio | 12.5263% | 1,498 |
| Tier 1 risk-based capital ratio | 19.1691% | 1,511 |
| Total risk-based capital ratio | 20.3564% | 1,497 |
| Memoranda: | ||
| Average total assets | $207,691,000 | 2,832 |
| Average earning assets | $197,029,000 | 2,792 |
| Average equity | $26,447,500 | 2,609 |
| Average total loans | $160,400,000 | 2,560 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 1,068 |
| Cost of funding earning assets | 0.4049% | 3,958 |
| Net interest margin | 4.5839% | 625 |
| Noninterest income to average assets | 0.4243% | 3,280 |
| Noninterest expense to average assets | 3.0085% | 2,028 |
| Loan and lease loss provision to assets | 0.0749% | 2,631 |
| Net operating income to assets | 1.3344% | 1,674 |
| Return on assets (ROA) | 1.3344% | 1,661 |
| Pretax return on assets | 1.6799% | 1,216 |
| Return on Equity (ROE) | 11.1016% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.5266% | 518 |
| Net charge-offs to loans | 0.0351% | 2,705 |
| Credit loss provision to net charge-offs | 287.0370% | 1,061 |
| Earnings coverage of net charge-offs (x) | 67.2407% | 956 |
| Efficiency ratio | 62.8145% | 3,381 |
| Assets per employee ($millions) | 3.5067% | 4,541 |
| Cash dividends to net income (ytd only)* | 5.1793% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,673 |
| Loan loss allowance to noncurrent loans | 166.2500% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 2,673 |
| Noncurrent loans to loans | 0.6025% | 2,472 |
| Net loans and leases to total assets | 77.5513% | 1,345 |
| Net loans and leases to deposits | 89.1090% | 1,917 |
| Net loans and leases to core deposits | 90.6776% | 2,515 |
| Total domestic deposits to total assets | 87.0297% | 1,772 |
| Equity capital to assets | 12.9098% | 1,390 |
| Core capital (leverage) ratio | 13.1279% | 1,196 |
| Tier 1 risk-based capital ratio | 19.4420% | 1,416 |
| Total risk-based capital ratio | 20.6178% | 1,395 |
| Memoranda: | ||
| Average total assets | $206,916,600 | 2,795 |
| Average earning assets | $195,858,600 | 2,753 |
| Average equity | $24,870,400 | 2,649 |
| Average total loans | $154,010,200 | 2,599 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 1,126 |
| Cost of funding earning assets | 0.3877% | 3,952 |
| Net interest margin | 4.5280% | 699 |
| Noninterest income to average assets | 0.4235% | 3,332 |
| Noninterest expense to average assets | 2.9823% | 2,061 |
| Loan and lease loss provision to assets | 0.0821% | 2,307 |
| Net operating income to assets | 1.2897% | 1,902 |
| Return on assets (ROA) | 1.2897% | 1,900 |
| Pretax return on assets | 1.6451% | 1,429 |
| Return on Equity (ROE) | 10.9279% | 2,207 |
| Retained earnings to average equity (ytd only) | 10.5147% | 761 |
| Net charge-offs to loans | 0.0323% | 2,442 |
| Credit loss provision to net charge-offs | 345.9459% | 912 |
| Earnings coverage of net charge-offs (x) | 72.7598% | 935 |
| Efficiency ratio | 62.9700% | 3,342 |
| Assets per employee ($millions) | 3.2488% | 4,834 |
| Cash dividends to net income (ytd only)* | 3.7811% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,838 |
| Loan loss allowance to noncurrent loans | 125.4747% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 2,328 |
| Noncurrent loans to loans | 0.7883% | 2,131 |
| Net loans and leases to total assets | 77.5674% | 1,404 |
| Net loans and leases to deposits | 90.5225% | 1,822 |
| Net loans and leases to core deposits | 92.1262% | 2,474 |
| Total domestic deposits to total assets | 85.6885% | 2,334 |
| Equity capital to assets | 12.3752% | 1,661 |
| Core capital (leverage) ratio | 12.4499% | 1,528 |
| Tier 1 risk-based capital ratio | 18.7584% | 1,596 |
| Total risk-based capital ratio | 19.9162% | 1,584 |
| Memoranda: | ||
| Average total assets | $207,798,750 | 2,813 |
| Average earning assets | $196,696,500 | 2,767 |
| Average equity | $24,523,750 | 2,690 |
| Average total loans | $152,681,250 | 2,621 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 1,308 |
| Cost of funding earning assets | 0.3605% | 4,007 |
| Net interest margin | 4.4185% | 816 |
| Noninterest income to average assets | 0.4233% | 3,331 |
| Noninterest expense to average assets | 2.9219% | 2,284 |
| Loan and lease loss provision to assets | 0.0431% | 3,038 |
| Net operating income to assets | 1.3005% | 1,772 |
| Return on assets (ROA) | 1.3005% | 1,766 |
| Pretax return on assets | 1.6491% | 1,344 |
| Return on Equity (ROE) | 11.1975% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.5709% | 768 |
| Net charge-offs to loans | 0.0013% | 3,165 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 1,767.0000% | 39 |
| Efficiency ratio | 62.9722% | 3,483 |
| Assets per employee ($millions) | 3.2202% | 4,911 |
| Cash dividends to net income (ytd only)* | 5.5965% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,799 |
| Loan loss allowance to noncurrent loans | 168.9352% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 2,962 |
| Noncurrent loans to loans | 0.5955% | 2,635 |
| Net loans and leases to total assets | 73.4885% | 2,035 |
| Net loans and leases to deposits | 84.8135% | 2,441 |
| Net loans and leases to core deposits | 86.1964% | 2,906 |
| Total domestic deposits to total assets | 86.6472% | 1,998 |
| Equity capital to assets | 12.0131% | 1,849 |
| Core capital (leverage) ratio | 12.0007% | 1,712 |
| Tier 1 risk-based capital ratio | 19.1578% | 1,513 |
| Total risk-based capital ratio | 20.3353% | 1,497 |
| Memoranda: | ||
| Average total assets | $208,840,000 | 2,820 |
| Average earning assets | $198,075,000 | 2,775 |
| Average equity | $24,255,330 | 2,731 |
| Average total loans | $150,126,000 | 2,663 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 1,252 |
| Cost of funding earning assets | 0.3552% | 3,948 |
| Net interest margin | 4.3687% | 821 |
| Noninterest income to average assets | 0.4338% | 3,213 |
| Noninterest expense to average assets | 2.9322% | 2,247 |
| Loan and lease loss provision to assets | 0.0381% | 2,988 |
| Net operating income to assets | 1.2692% | 1,746 |
| Return on assets (ROA) | 1.2692% | 1,754 |
| Pretax return on assets | 1.6060% | 1,379 |
| Return on Equity (ROE) | 11.1148% | 1,919 |
| Retained earnings to average equity (ytd only) | 11.0982% | 875 |
| Net charge-offs to loans | 0.0027% | 2,642 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 864.0000% | 76 |
| Efficiency ratio | 63.7006% | 3,523 |
| Assets per employee ($millions) | 3.6230% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.1499% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,795 |
| Loan loss allowance to noncurrent loans | 199.2105% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 2,900 |
| Noncurrent loans to loans | 0.5157% | 2,969 |
| Net loans and leases to total assets | 69.4065% | 2,578 |
| Net loans and leases to deposits | 78.5995% | 2,953 |
| Net loans and leases to core deposits | 79.9511% | 3,329 |
| Total domestic deposits to total assets | 88.3041% | 1,460 |
| Equity capital to assets | 11.5056% | 2,128 |
| Core capital (leverage) ratio | 11.4492% | 2,053 |
| Tier 1 risk-based capital ratio | 18.9280% | 1,567 |
| Total risk-based capital ratio | 20.1017% | 1,548 |
| Memoranda: | ||
| Average total assets | $210,214,000 | 2,845 |
| Average earning assets | $199,326,000 | 2,795 |
| Average equity | $24,004,000 | 2,778 |
| Average total loans | $148,692,500 | 2,701 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,436 |
| Cost of funding earning assets | 0.3564% | 3,649 |
| Net interest margin | 4.2419% | 1,097 |
| Noninterest income to average assets | 0.3885% | 3,712 |
| Noninterest expense to average assets | 2.7836% | 2,833 |
| Loan and lease loss provision to assets | 0.0354% | 3,560 |
| Net operating income to assets | 1.1005% | 1,854 |
| Return on assets (ROA) | 1.1005% | 1,876 |
| Pretax return on assets | 1.5851% | 1,336 |
| Return on Equity (ROE) | 10.0896% | 1,843 |
| Retained earnings to average equity (ytd only) | 9.4631% | 428 |
| Net charge-offs to loans | -0.0007% | 4,480 |
| Credit loss provision to net charge-offs | -7,400.0000% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8364% | 3,806 |
| Assets per employee ($millions) | 3.6258% | 4,535 |
| Cash dividends to net income (ytd only)* | 6.2093% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,973 |
| Loan loss allowance to noncurrent loans | 137.2819% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 2,392 |
| Noncurrent loans to loans | 0.7259% | 2,393 |
| Net loans and leases to total assets | 70.6294% | 2,428 |
| Net loans and leases to deposits | 79.7429% | 2,945 |
| Net loans and leases to core deposits | 81.2039% | 3,318 |
| Total domestic deposits to total assets | 88.5713% | 1,214 |
| Equity capital to assets | 11.3322% | 2,341 |
| Core capital (leverage) ratio | 11.5512% | 1,909 |
| Tier 1 risk-based capital ratio | 18.3252% | 1,703 |
| Total risk-based capital ratio | 19.4772% | 1,686 |
| Memoranda: | ||
| Average total assets | $209,260,400 | 2,831 |
| Average earning assets | $198,095,600 | 2,788 |
| Average equity | $22,825,400 | 2,875 |
| Average total loans | $143,146,600 | 2,733 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,523 |
| Cost of funding earning assets | 0.3505% | 3,660 |
| Net interest margin | 4.1924% | 1,169 |
| Noninterest income to average assets | 0.3962% | 3,710 |
| Noninterest expense to average assets | 2.7916% | 2,756 |
| Loan and lease loss provision to assets | 0.0096% | 3,943 |
| Net operating income to assets | 1.0475% | 2,340 |
| Return on assets (ROA) | 1.0475% | 2,382 |
| Pretax return on assets | 1.5700% | 1,514 |
| Return on Equity (ROE) | 9.6982% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.2434% | 776 |
| Net charge-offs to loans | 0.0028% | 3,649 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 825.3125% | 126 |
| Efficiency ratio | 63.4851% | 3,648 |
| Assets per employee ($millions) | 3.4940% | 4,742 |
| Cash dividends to net income (ytd only)* | 4.6892% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,153 |
| Loan loss allowance to noncurrent loans | 223.7500% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 3,257 |
| Noncurrent loans to loans | 0.4402% | 3,387 |
| Net loans and leases to total assets | 69.8244% | 2,584 |
| Net loans and leases to deposits | 79.0937% | 3,058 |
| Net loans and leases to core deposits | 80.6049% | 3,398 |
| Total domestic deposits to total assets | 88.2807% | 1,219 |
| Equity capital to assets | 11.3603% | 2,509 |
| Core capital (leverage) ratio | 11.1325% | 2,343 |
| Tier 1 risk-based capital ratio | 18.7620% | 1,658 |
| Total risk-based capital ratio | 19.9209% | 1,632 |
| Memoranda: | ||
| Average total assets | $209,001,750 | 2,853 |
| Average earning assets | $198,161,000 | 2,809 |
| Average equity | $22,574,000 | 2,917 |
| Average total loans | $141,427,000 | 2,784 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 1,628 |
| Cost of funding earning assets | 0.3435% | 3,646 |
| Net interest margin | 4.1155% | 1,282 |
| Noninterest income to average assets | 0.4058% | 3,656 |
| Noninterest expense to average assets | 2.7520% | 2,922 |
| Loan and lease loss provision to assets | 0.0095% | 3,742 |
| Net operating income to assets | 1.0326% | 2,284 |
| Return on assets (ROA) | 1.0326% | 2,321 |
| Pretax return on assets | 1.5470% | 1,500 |
| Return on Equity (ROE) | 9.7253% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.0345% | 829 |
| Net charge-offs to loans | 0.0100% | 3,109 |
| Credit loss provision to net charge-offs | 142.8571% | 1,565 |
| Earnings coverage of net charge-offs (x) | 233.4286% | 363 |
| Efficiency ratio | 63.4977% | 3,760 |
| Assets per employee ($millions) | 3.5794% | 4,607 |
| Cash dividends to net income (ytd only)* | 7.1033% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,211 |
| Loan loss allowance to noncurrent loans | 142.4424% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 2,755 |
| Noncurrent loans to loans | 0.6949% | 2,669 |
| Net loans and leases to total assets | 67.3997% | 2,891 |
| Net loans and leases to deposits | 75.8448% | 3,361 |
| Net loans and leases to core deposits | 77.2464% | 3,660 |
| Total domestic deposits to total assets | 88.8652% | 1,025 |
| Equity capital to assets | 10.8369% | 2,989 |
| Core capital (leverage) ratio | 10.6737% | 2,732 |
| Tier 1 risk-based capital ratio | 18.6083% | 1,690 |
| Total risk-based capital ratio | 19.7787% | 1,669 |
| Memoranda: | ||
| Average total assets | $209,953,330 | 2,865 |
| Average earning assets | $199,103,000 | 2,814 |
| Average equity | $22,292,330 | 2,943 |
| Average total loans | $140,111,670 | 2,804 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 1,699 |
| Cost of funding earning assets | 0.3365% | 3,678 |
| Net interest margin | 4.0467% | 1,353 |
| Noninterest income to average assets | 0.4433% | 3,349 |
| Noninterest expense to average assets | 2.7229% | 3,059 |
| Loan and lease loss provision to assets | 0.0076% | 3,457 |
| Net operating income to assets | 1.0356% | 2,141 |
| Return on assets (ROA) | 1.0356% | 2,190 |
| Pretax return on assets | 1.5497% | 1,380 |
| Return on Equity (ROE) | 9.8566% | 2,026 |
| Retained earnings to average equity (ytd only) | 9.8020% | 858 |
| Net charge-offs to loans | 0.0116% | 2,588 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 203.7500% | 275 |
| Efficiency ratio | 63.2143% | 3,951 |
| Assets per employee ($millions) | 3.8148% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.5535% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 4,113 |
| Loan loss allowance to noncurrent loans | 111.7231% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 2,382 |
| Noncurrent loans to loans | 0.9196% | 2,203 |
| Net loans and leases to total assets | 64.0343% | 3,269 |
| Net loans and leases to deposits | 71.7977% | 3,628 |
| Net loans and leases to core deposits | 73.1730% | 3,903 |
| Total domestic deposits to total assets | 89.1872% | 1,058 |
| Equity capital to assets | 10.4463% | 3,240 |
| Core capital (leverage) ratio | 10.4525% | 2,956 |
| Tier 1 risk-based capital ratio | 18.5712% | 1,723 |
| Total risk-based capital ratio | 19.7617% | 1,698 |
| Memoranda: | ||
| Average total assets | $209,337,500 | 2,894 |
| Average earning assets | $198,485,000 | 2,842 |
| Average equity | $21,995,500 | 2,982 |
| Average total loans | $138,287,000 | 2,843 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,104 |
| Cost of funding earning assets | 0.3522% | 3,494 |
| Net interest margin | 4.3227% | 894 |
| Noninterest income to average assets | 0.4493% | 3,549 |
| Noninterest expense to average assets | 2.8177% | 2,968 |
| Loan and lease loss provision to assets | 0.0792% | 2,782 |
| Net operating income to assets | 1.0902% | 1,933 |
| Return on assets (ROA) | 1.0902% | 2,040 |
| Pretax return on assets | 1.6327% | 1,184 |
| Return on Equity (ROE) | 10.1411% | 1,901 |
| Retained earnings to average equity (ytd only) | 6.3766% | 1,513 |
| Net charge-offs to loans | 0.0362% | 3,303 |
| Credit loss provision to net charge-offs | 322.4490% | 925 |
| Earnings coverage of net charge-offs (x) | 69.6735% | 799 |
| Efficiency ratio | 61.8288% | 4,282 |
| Assets per employee ($millions) | 3.5353% | 4,705 |
| Cash dividends to net income (ytd only)* | 37.1205% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 4,157 |
| Loan loss allowance to noncurrent loans | 75.4116% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 1,962 |
| Noncurrent loans to loans | 1.3609% | 1,505 |
| Net loans and leases to total assets | 66.7840% | 2,961 |
| Net loans and leases to deposits | 74.8273% | 3,435 |
| Net loans and leases to core deposits | 76.3178% | 3,722 |
| Total domestic deposits to total assets | 89.2509% | 983 |
| Equity capital to assets | 10.5706% | 3,076 |
| Core capital (leverage) ratio | 10.8814% | 2,456 |
| Tier 1 risk-based capital ratio | 18.3488% | 1,762 |
| Total risk-based capital ratio | 19.5527% | 1,740 |
| Memoranda: | ||
| Average total assets | $199,421,400 | 2,962 |
| Average earning assets | $188,238,400 | 2,913 |
| Average equity | $21,437,600 | 3,027 |
| Average total loans | $135,243,800 | 2,841 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,229 |
| Cost of funding earning assets | 0.3546% | 3,496 |
| Net interest margin | 4.2791% | 966 |
| Noninterest income to average assets | 0.4592% | 3,495 |
| Noninterest expense to average assets | 2.8415% | 2,863 |
| Loan and lease loss provision to assets | 0.0391% | 3,462 |
| Net operating income to assets | 1.0787% | 2,085 |
| Return on assets (ROA) | 1.0787% | 2,192 |
| Pretax return on assets | 1.6167% | 1,341 |
| Return on Equity (ROE) | 9.9912% | 2,055 |
| Retained earnings to average equity (ytd only) | 9.5172% | 686 |
| Net charge-offs to loans | 0.0178% | 3,362 |
| Credit loss provision to net charge-offs | 322.2222% | 979 |
| Earnings coverage of net charge-offs (x) | 136.6075% | 506 |
| Efficiency ratio | 62.7938% | 4,097 |
| Assets per employee ($millions) | 3.4546% | 4,832 |
| Cash dividends to net income (ytd only)* | 4.7440% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 4,444 |
| Loan loss allowance to noncurrent loans | 59.8052% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1944% | 1,672 |
| Noncurrent loans to loans | 1.6646% | 1,275 |
| Net loans and leases to total assets | 68.2320% | 2,765 |
| Net loans and leases to deposits | 77.3487% | 3,258 |
| Net loans and leases to core deposits | 78.9704% | 3,556 |
| Total domestic deposits to total assets | 88.2135% | 1,290 |
| Equity capital to assets | 11.2873% | 2,716 |
| Core capital (leverage) ratio | 11.1786% | 2,288 |
| Tier 1 risk-based capital ratio | 18.9795% | 1,675 |
| Total risk-based capital ratio | 20.1561% | 1,653 |
| Memoranda: | ||
| Average total assets | $198,014,500 | 2,990 |
| Average earning assets | $186,856,000 | 2,945 |
| Average equity | $21,378,250 | 3,055 |
| Average total loans | $134,464,750 | 2,857 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 1,299 |
| Cost of funding earning assets | 0.3518% | 3,544 |
| Net interest margin | 4.2326% | 1,054 |
| Noninterest income to average assets | 0.4799% | 3,332 |
| Noninterest expense to average assets | 2.8228% | 2,950 |
| Loan and lease loss provision to assets | 0.0151% | 3,806 |
| Net operating income to assets | 1.0979% | 1,966 |
| Return on assets (ROA) | 1.0979% | 2,087 |
| Pretax return on assets | 1.6443% | 1,238 |
| Return on Equity (ROE) | 10.3244% | 1,912 |
| Retained earnings to average equity (ytd only) | 9.6039% | 686 |
| Net charge-offs to loans | 0.0015% | 3,656 |
| Credit loss provision to net charge-offs | 1,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 1,646.0000% | 27 |
| Efficiency ratio | 62.5956% | 4,252 |
| Assets per employee ($millions) | 3.4054% | 4,916 |
| Cash dividends to net income (ytd only)* | 6.9789% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,583 |
| Loan loss allowance to noncurrent loans | 76.6782% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 2,299 |
| Noncurrent loans to loans | 1.2891% | 1,755 |
| Net loans and leases to total assets | 67.1942% | 2,915 |
| Net loans and leases to deposits | 75.8905% | 3,398 |
| Net loans and leases to core deposits | 77.3541% | 3,707 |
| Total domestic deposits to total assets | 88.5411% | 1,147 |
| Equity capital to assets | 10.9962% | 3,064 |
| Core capital (leverage) ratio | 10.6728% | 2,763 |
| Tier 1 risk-based capital ratio | 18.8041% | 1,736 |
| Total risk-based capital ratio | 19.9761% | 1,714 |
| Memoranda: | ||
| Average total assets | $198,382,000 | 2,990 |
| Average earning assets | $187,590,330 | 2,956 |
| Average equity | $21,095,670 | 3,088 |
| Average total loans | $134,050,330 | 2,867 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 1,410 |
| Cost of funding earning assets | 0.3530% | 3,570 |
| Net interest margin | 4.1826% | 1,139 |
| Noninterest income to average assets | 0.4909% | 3,189 |
| Noninterest expense to average assets | 2.7724% | 3,179 |
| Loan and lease loss provision to assets | 0.0201% | 3,429 |
| Net operating income to assets | 1.1045% | 1,885 |
| Return on assets (ROA) | 1.1045% | 1,989 |
| Pretax return on assets | 1.6558% | 1,170 |
| Return on Equity (ROE) | 10.5658% | 1,761 |
| Retained earnings to average equity (ytd only) | 10.5658% | 727 |
| Net charge-offs to loans | 0.0030% | 3,017 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 833.0000% | 54 |
| Efficiency ratio | 61.9177% | 4,459 |
| Assets per employee ($millions) | 3.5530% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 4,693 |
| Loan loss allowance to noncurrent loans | 173.9130% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 3,885 |
| Noncurrent loans to loans | 0.5663% | 3,493 |
| Net loans and leases to total assets | 65.5277% | 3,021 |
| Net loans and leases to deposits | 73.5217% | 3,499 |
| Net loans and leases to core deposits | 74.9993% | 3,787 |
| Total domestic deposits to total assets | 89.1269% | 1,034 |
| Equity capital to assets | 10.4375% | 3,570 |
| Core capital (leverage) ratio | 10.2973% | 3,199 |
| Tier 1 risk-based capital ratio | 18.0751% | 1,964 |
| Total risk-based capital ratio | 19.2227% | 1,958 |
| Memoranda: | ||
| Average total assets | $198,816,000 | 2,999 |
| Average earning assets | $188,113,500 | 2,958 |
| Average equity | $20,784,000 | 3,119 |
| Average total loans | $134,054,000 | 2,874 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 1,357 |
| Cost of funding earning assets | 0.3596% | 3,589 |
| Net interest margin | 4.2321% | 1,093 |
| Noninterest income to average assets | 0.4960% | 3,359 |
| Noninterest expense to average assets | 2.8495% | 3,035 |
| Loan and lease loss provision to assets | 0.1091% | 2,172 |
| Net operating income to assets | 1.0323% | 2,199 |
| Return on assets (ROA) | 1.0323% | 2,287 |
| Pretax return on assets | 1.5379% | 1,443 |
| Return on Equity (ROE) | 10.2449% | 1,899 |
| Retained earnings to average equity (ytd only) | 5.6136% | 2,009 |
| Net charge-offs to loans | 0.0203% | 3,860 |
| Credit loss provision to net charge-offs | 830.7692% | 412 |
| Earnings coverage of net charge-offs (x) | 125.4231% | 485 |
| Efficiency ratio | 62.9788% | 4,445 |
| Assets per employee ($millions) | 3.6132% | 4,623 |
| Cash dividends to net income (ytd only)* | 45.2055% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 4,723 |
| Loan loss allowance to noncurrent loans | 91.1049% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 2,691 |
| Noncurrent loans to loans | 1.0732% | 2,196 |
| Net loans and leases to total assets | 68.0483% | 2,697 |
| Net loans and leases to deposits | 76.1922% | 3,226 |
| Net loans and leases to core deposits | 77.7767% | 3,570 |
| Total domestic deposits to total assets | 89.3113% | 959 |
| Equity capital to assets | 10.4709% | 3,392 |
| Core capital (leverage) ratio | 10.5275% | 2,899 |
| Tier 1 risk-based capital ratio | 17.5115% | 2,119 |
| Total risk-based capital ratio | 18.6437% | 2,107 |
| Memoranda: | ||
| Average total assets | $198,000,800 | 2,970 |
| Average earning assets | $187,163,600 | 2,921 |
| Average equity | $19,951,400 | 3,173 |
| Average total loans | $128,293,400 | 2,913 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 1,548 |
| Cost of funding earning assets | 0.3608% | 3,645 |
| Net interest margin | 4.1553% | 1,267 |
| Noninterest income to average assets | 0.5072% | 3,313 |
| Noninterest expense to average assets | 2.8622% | 2,967 |
| Loan and lease loss provision to assets | 0.0980% | 2,215 |
| Net operating income to assets | 0.9715% | 2,615 |
| Return on assets (ROA) | 0.9715% | 2,699 |
| Pretax return on assets | 1.4727% | 1,757 |
| Return on Equity (ROE) | 9.7350% | 2,198 |
| Retained earnings to average equity (ytd only) | 3.9666% | 3,648 |
| Net charge-offs to loans | 0.0736% | 2,505 |
| Credit loss provision to net charge-offs | 208.5714% | 1,294 |
| Earnings coverage of net charge-offs (x) | 33.4433% | 1,390 |
| Efficiency ratio | 64.1744% | 4,213 |
| Assets per employee ($millions) | 3.4713% | 4,847 |
| Cash dividends to net income (ytd only)* | 59.2540% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 5,213 |
| Loan loss allowance to noncurrent loans | 78.4404% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 2,827 |
| Noncurrent loans to loans | 1.1442% | 2,221 |
| Net loans and leases to total assets | 67.9891% | 2,677 |
| Net loans and leases to deposits | 76.1794% | 3,279 |
| Net loans and leases to core deposits | 77.6538% | 3,638 |
| Total domestic deposits to total assets | 89.2486% | 898 |
| Equity capital to assets | 10.2853% | 3,835 |
| Core capital (leverage) ratio | 10.0410% | 3,566 |
| Tier 1 risk-based capital ratio | 17.2860% | 2,260 |
| Total risk-based capital ratio | 18.3345% | 2,295 |
| Memoranda: | ||
| Average total assets | $198,722,750 | 2,982 |
| Average earning assets | $187,740,250 | 2,940 |
| Average equity | $19,831,750 | 3,220 |
| Average total loans | $126,846,250 | 2,963 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 2,867 |
| Cost of funding earning assets | 0.3382% | 3,948 |
| Net interest margin | 3.7699% | 2,439 |
| Noninterest income to average assets | 0.3907% | 4,150 |
| Noninterest expense to average assets | 2.5049% | 4,227 |
| Loan and lease loss provision to assets | 0.0540% | 3,036 |
| Net operating income to assets | 0.9322% | 2,720 |
| Return on assets (ROA) | 0.9322% | 2,842 |
| Pretax return on assets | 1.3958% | 1,998 |
| Return on Equity (ROE) | 9.4349% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.7574% | 1,005 |
| Net charge-offs to loans | 0.0144% | 3,429 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 161.2222% | 410 |
| Efficiency ratio | 63.1127% | 4,500 |
| Assets per employee ($millions) | 3.4454% | 4,901 |
| Cash dividends to net income (ytd only)* | 7.1811% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 5,276 |
| Loan loss allowance to noncurrent loans | 196.6777% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 4,536 |
| Noncurrent loans to loans | 0.4609% | 4,098 |
| Net loans and leases to total assets | 64.7644% | 3,155 |
| Net loans and leases to deposits | 72.3145% | 3,687 |
| Net loans and leases to core deposits | 73.5591% | 3,993 |
| Total domestic deposits to total assets | 89.5594% | 867 |
| Equity capital to assets | 10.0543% | 3,976 |
| Core capital (leverage) ratio | 9.9017% | 3,738 |
| Tier 1 risk-based capital ratio | 17.5754% | 2,192 |
| Total risk-based capital ratio | 18.6172% | 2,219 |
| Memoranda: | ||
| Average total assets | $200,166,000 | 2,989 |
| Average earning assets | $189,236,330 | 2,940 |
| Average equity | $19,777,670 | 3,236 |
| Average total loans | $124,674,000 | 3,006 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,184 |
| Cost of funding earning assets | 0.3125% | 4,303 |
| Net interest margin | 3.4417% | 3,661 |
| Noninterest income to average assets | 0.3454% | 4,437 |
| Noninterest expense to average assets | 2.1884% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9444% | 2,537 |
| Return on assets (ROA) | 0.9444% | 2,670 |
| Pretax return on assets | 1.4117% | 1,851 |
| Return on Equity (ROE) | 9.6430% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.6226% | 1,014 |
| Net charge-offs to loans | 0.0197% | 2,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 117.8333% | 426 |
| Efficiency ratio | 60.7876% | 4,991 |
| Assets per employee ($millions) | 3.6592% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.2114% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 5,368 |
| Loan loss allowance to noncurrent loans | 172.9771% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 4,089 |
| Noncurrent loans to loans | 0.5325% | 3,979 |
| Net loans and leases to total assets | 59.4767% | 3,734 |
| Net loans and leases to deposits | 66.1679% | 4,138 |
| Net loans and leases to core deposits | 67.0153% | 4,425 |
| Total domestic deposits to total assets | 89.8875% | 794 |
| Equity capital to assets | 9.7099% | 4,493 |
| Core capital (leverage) ratio | 13.3243% | 1,045 |
| Tier 1 risk-based capital ratio | 17.1860% | 2,410 |
| Total risk-based capital ratio | 18.1832% | 2,457 |
| Memoranda: | ||
| Average total assets | $200,331,500 | 3,010 |
| Average earning assets | $189,441,500 | 2,957 |
| Average equity | $19,620,500 | 3,273 |
| Average total loans | $121,708,000 | 3,066 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2674% | 465 |
| Cost of funding earning assets | 0.4500% | 3,172 |
| Net interest margin | 4.8174% | 421 |
| Noninterest income to average assets | 0.4610% | 3,774 |
| Noninterest expense to average assets | 2.9278% | 3,056 |
| Loan and lease loss provision to assets | 0.0583% | 3,375 |
| Net operating income to assets | 1.3247% | 1,254 |
| Return on assets (ROA) | 1.3247% | 1,295 |
| Pretax return on assets | 1.9943% | 521 |
| Return on Equity (ROE) | 12.4662% | 1,271 |
| Retained earnings to average equity (ytd only) | -9.1973% | 6,292 |
| Net charge-offs to loans | 0.0597% | 3,648 |
| Credit loss provision to net charge-offs | 130.6452% | 1,825 |
| Earnings coverage of net charge-offs (x) | 46.0323% | 987 |
| Efficiency ratio | 58.7870% | 5,368 |
| Assets per employee ($millions) | 3.1641% | 5,486 |
| Cash dividends to net income (ytd only)* | 173.7785% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 4,841 |
| Loan loss allowance to noncurrent loans | 214.0316% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 3,773 |
| Noncurrent loans to loans | 0.4870% | 4,202 |
| Net loans and leases to total assets | 73.8454% | 1,611 |
| Net loans and leases to deposits | 82.3691% | 2,429 |
| Net loans and leases to core deposits | 83.5567% | 2,947 |
| Total domestic deposits to total assets | 89.6518% | 900 |
| Equity capital to assets | 10.0552% | 4,040 |
| Core capital (leverage) ratio | 9.9394% | 3,663 |
| Tier 1 risk-based capital ratio | 15.9545% | 2,984 |
| Total risk-based capital ratio | 17.1962% | 2,936 |
| Memoranda: | ||
| Average total assets | $139,047,800 | 3,819 |
| Average earning assets | $130,443,000 | 3,763 |
| Average equity | $14,776,000 | 3,881 |
| Average total loans | $103,834,400 | 3,346 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2957% | 443 |
| Cost of funding earning assets | 0.4514% | 3,231 |
| Net interest margin | 4.8444% | 388 |
| Noninterest income to average assets | 0.4585% | 3,836 |
| Noninterest expense to average assets | 2.9217% | 3,049 |
| Loan and lease loss provision to assets | 0.0777% | 2,790 |
| Net operating income to assets | 1.3237% | 1,304 |
| Return on assets (ROA) | 1.3237% | 1,363 |
| Pretax return on assets | 1.9989% | 572 |
| Return on Equity (ROE) | 12.2907% | 1,401 |
| Retained earnings to average equity (ytd only) | -15.5950% | 6,450 |
| Net charge-offs to loans | 0.0745% | 3,133 |
| Credit loss provision to net charge-offs | 139.6552% | 1,682 |
| Earnings coverage of net charge-offs (x) | 37.3282% | 1,183 |
| Efficiency ratio | 58.4533% | 5,383 |
| Assets per employee ($millions) | 3.3348% | 5,177 |
| Cash dividends to net income (ytd only)* | 226.8844% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 5,077 |
| Loan loss allowance to noncurrent loans | 154.8433% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 3,452 |
| Noncurrent loans to loans | 0.6651% | 3,948 |
| Net loans and leases to total assets | 74.5775% | 1,430 |
| Net loans and leases to deposits | 82.8277% | 2,316 |
| Net loans and leases to core deposits | 83.8315% | 2,897 |
| Total domestic deposits to total assets | 90.0393% | 717 |
| Equity capital to assets | 9.6429% | 4,619 |
| Core capital (leverage) ratio | 9.6415% | 4,167 |
| Tier 1 risk-based capital ratio | 15.2448% | 3,449 |
| Total risk-based capital ratio | 16.4708% | 3,404 |
| Memoranda: | ||
| Average total assets | $139,004,250 | 3,846 |
| Average earning assets | $130,264,750 | 3,784 |
| Average equity | $14,970,250 | 3,864 |
| Average total loans | $103,820,000 | 3,377 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2344% | 477 |
| Cost of funding earning assets | 0.4517% | 3,308 |
| Net interest margin | 4.7827% | 426 |
| Noninterest income to average assets | 0.5135% | 3,385 |
| Noninterest expense to average assets | 2.9484% | 3,011 |
| Loan and lease loss provision to assets | 0.0664% | 2,939 |
| Net operating income to assets | 1.3098% | 1,281 |
| Return on assets (ROA) | 1.3098% | 1,332 |
| Pretax return on assets | 1.9733% | 590 |
| Return on Equity (ROE) | 11.7477% | 1,500 |
| Retained earnings to average equity (ytd only) | 10.3504% | 642 |
| Net charge-offs to loans | 0.1104% | 2,563 |
| Credit loss provision to net charge-offs | 80.7018% | 2,319 |
| Earnings coverage of net charge-offs (x) | 24.8070% | 1,417 |
| Efficiency ratio | 59.1093% | 5,414 |
| Assets per employee ($millions) | 3.3365% | 5,182 |
| Cash dividends to net income (ytd only)* | 11.8943% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 5,360 |
| Loan loss allowance to noncurrent loans | 344.1176% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 3,653 |
| Noncurrent loans to loans | 0.2900% | 5,150 |
| Net loans and leases to total assets | 74.5376% | 1,371 |
| Net loans and leases to deposits | 84.5449% | 1,976 |
| Net loans and leases to core deposits | 85.5889% | 2,557 |
| Total domestic deposits to total assets | 88.1633% | 1,815 |
| Equity capital to assets | 11.4692% | 2,453 |
| Core capital (leverage) ratio | 11.5154% | 1,990 |
| Tier 1 risk-based capital ratio | 18.0330% | 2,230 |
| Total risk-based capital ratio | 19.2148% | 2,224 |
| Memoranda: | ||
| Average total assets | $138,652,000 | 3,871 |
| Average earning assets | $129,718,670 | 3,814 |
| Average equity | $15,458,330 | 3,779 |
| Average total loans | $103,246,330 | 3,391 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1728% | 515 |
| Cost of funding earning assets | 0.4525% | 3,401 |
| Net interest margin | 4.7203% | 448 |
| Noninterest income to average assets | 0.4815% | 3,557 |
| Noninterest expense to average assets | 2.9555% | 3,030 |
| Loan and lease loss provision to assets | 0.0928% | 2,370 |
| Net operating income to assets | 1.2008% | 1,484 |
| Return on assets (ROA) | 1.2008% | 1,549 |
| Pretax return on assets | 1.8505% | 724 |
| Return on Equity (ROE) | 10.9296% | 1,709 |
| Retained earnings to average equity (ytd only) | 10.6656% | 802 |
| Net charge-offs to loans | -0.0157% | 5,228 |
| Credit loss provision to net charge-offs | -800.0000% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3316% | 5,353 |
| Assets per employee ($millions) | 3.3579% | 5,239 |
| Cash dividends to net income (ytd only)* | 2.4155% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 5,187 |
| Loan loss allowance to noncurrent loans | 328.3582% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 3,981 |
| Noncurrent loans to loans | 0.3302% | 5,121 |
| Net loans and leases to total assets | 71.1602% | 1,703 |
| Net loans and leases to deposits | 80.2607% | 2,255 |
| Net loans and leases to core deposits | 81.1433% | 2,837 |
| Total domestic deposits to total assets | 88.6614% | 1,856 |
| Equity capital to assets | 10.9579% | 2,757 |
| Core capital (leverage) ratio | 11.2417% | 2,183 |
| Tier 1 risk-based capital ratio | 18.1038% | 2,252 |
| Total risk-based capital ratio | 19.3538% | 2,224 |
| Memoranda: | ||
| Average total assets | $137,912,000 | 3,920 |
| Average earning assets | $129,060,000 | 3,858 |
| Average equity | $15,151,500 | 3,839 |
| Average total loans | $102,117,500 | 3,423 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 459 |
| Cost of funding earning assets | 0.5059% | 3,544 |
| Net interest margin | 4.8682% | 386 |
| Noninterest income to average assets | 0.4532% | 4,070 |
| Noninterest expense to average assets | 2.9605% | 3,164 |
| Loan and lease loss provision to assets | 0.1557% | 2,327 |
| Net operating income to assets | 1.2378% | 1,427 |
| Return on assets (ROA) | 1.2378% | 1,488 |
| Pretax return on assets | 1.8755% | 637 |
| Return on Equity (ROE) | 11.0917% | 1,737 |
| Retained earnings to average equity (ytd only) | 3.9816% | 3,363 |
| Net charge-offs to loans | 0.1390% | 3,416 |
| Credit loss provision to net charge-offs | 154.0146% | 1,503 |
| Earnings coverage of net charge-offs (x) | 20.0876% | 1,569 |
| Efficiency ratio | 59.3080% | 5,560 |
| Assets per employee ($millions) | 3.0635% | 5,736 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 5,394 |
| Loan loss allowance to noncurrent loans | 309.3023% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 3,948 |
| Noncurrent loans to loans | 0.3347% | 5,183 |
| Net loans and leases to total assets | 75.4587% | 1,155 |
| Net loans and leases to deposits | 86.8155% | 1,596 |
| Net loans and leases to core deposits | 88.0304% | 2,242 |
| Total domestic deposits to total assets | 86.9185% | 2,769 |
| Equity capital to assets | 11.0162% | 2,598 |
| Core capital (leverage) ratio | 11.2735% | 2,140 |
| Tier 1 risk-based capital ratio | 17.5428% | 2,391 |
| Total risk-based capital ratio | 18.7654% | 2,384 |
| Memoranda: | ||
| Average total assets | $135,482,000 | 3,969 |
| Average earning assets | $126,309,800 | 3,922 |
| Average equity | $15,119,400 | 3,843 |
| Average total loans | $98,565,000 | 3,484 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3706% | 467 |
| Cost of funding earning assets | 0.5151% | 3,621 |
| Net interest margin | 4.8555% | 391 |
| Noninterest income to average assets | 0.4295% | 4,300 |
| Noninterest expense to average assets | 2.9162% | 3,249 |
| Loan and lease loss provision to assets | 0.1582% | 2,285 |
| Net operating income to assets | 1.2129% | 1,589 |
| Return on assets (ROA) | 1.2129% | 1,666 |
| Pretax return on assets | 1.8763% | 751 |
| Return on Equity (ROE) | 10.8335% | 1,878 |
| Retained earnings to average equity (ytd only) | 9.2445% | 985 |
| Net charge-offs to loans | 0.0766% | 3,850 |
| Credit loss provision to net charge-offs | 287.5000% | 884 |
| Earnings coverage of net charge-offs (x) | 36.9666% | 1,062 |
| Efficiency ratio | 58.9041% | 5,570 |
| Assets per employee ($millions) | 3.0879% | 5,699 |
| Cash dividends to net income (ytd only)* | 14.6679% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 5,291 |
| Loan loss allowance to noncurrent loans | 150.6190% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 3,550 |
| Noncurrent loans to loans | 0.7359% | 4,376 |
| Net loans and leases to total assets | 71.9005% | 1,612 |
| Net loans and leases to deposits | 82.3102% | 2,100 |
| Net loans and leases to core deposits | 83.0548% | 2,756 |
| Total domestic deposits to total assets | 87.3531% | 2,480 |
| Equity capital to assets | 11.4406% | 2,341 |
| Core capital (leverage) ratio | 11.4822% | 2,055 |
| Tier 1 risk-based capital ratio | 18.9703% | 2,001 |
| Total risk-based capital ratio | 20.2208% | 1,955 |
| Memoranda: | ||
| Average total assets | $135,654,250 | 3,999 |
| Average earning assets | $126,314,500 | 3,955 |
| Average equity | $15,187,000 | 3,879 |
| Average total loans | $97,512,000 | 3,539 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 521 |
| Cost of funding earning assets | 0.5214% | 3,693 |
| Net interest margin | 4.7826% | 445 |
| Noninterest income to average assets | 0.4440% | 4,208 |
| Noninterest expense to average assets | 2.8765% | 3,420 |
| Loan and lease loss provision to assets | 0.1623% | 2,299 |
| Net operating income to assets | 1.1860% | 1,630 |
| Return on assets (ROA) | 1.1860% | 1,739 |
| Pretax return on assets | 1.8572% | 809 |
| Return on Equity (ROE) | 10.6716% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.7205% | 1,219 |
| Net charge-offs to loans | 0.1154% | 3,209 |
| Credit loss provision to net charge-offs | 196.4286% | 1,212 |
| Earnings coverage of net charge-offs (x) | 24.4464% | 1,298 |
| Efficiency ratio | 58.7526% | 5,632 |
| Assets per employee ($millions) | 3.2181% | 5,434 |
| Cash dividends to net income (ytd only)* | 18.2836% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,612 |
| Loan loss allowance to noncurrent loans | 162.8705% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 3,743 |
| Noncurrent loans to loans | 0.6473% | 4,649 |
| Net loans and leases to total assets | 70.8044% | 1,747 |
| Net loans and leases to deposits | 80.6223% | 2,231 |
| Net loans and leases to core deposits | 81.5042% | 2,858 |
| Total domestic deposits to total assets | 87.8224% | 2,373 |
| Equity capital to assets | 10.9498% | 2,799 |
| Core capital (leverage) ratio | 11.1149% | 2,243 |
| Tier 1 risk-based capital ratio | 18.4711% | 2,153 |
| Total risk-based capital ratio | 19.7214% | 2,112 |
| Memoranda: | ||
| Average total assets | $135,583,330 | 4,035 |
| Average earning assets | $126,207,000 | 3,983 |
| Average equity | $15,068,000 | 3,931 |
| Average total loans | $97,088,000 | 3,563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 765 |
| Cost of funding earning assets | 0.5328% | 3,746 |
| Net interest margin | 4.5499% | 625 |
| Noninterest income to average assets | 0.4412% | 4,175 |
| Noninterest expense to average assets | 2.8617% | 3,500 |
| Loan and lease loss provision to assets | 0.0596% | 3,644 |
| Net operating income to assets | 1.1477% | 1,687 |
| Return on assets (ROA) | 1.1477% | 1,794 |
| Pretax return on assets | 1.7707% | 933 |
| Return on Equity (ROE) | 10.2489% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.1841% | 1,324 |
| Net charge-offs to loans | 0.2164% | 2,127 |
| Credit loss provision to net charge-offs | 38.4615% | 2,769 |
| Earnings coverage of net charge-offs (x) | 11.8077% | 1,647 |
| Efficiency ratio | 60.9911% | 5,444 |
| Assets per employee ($millions) | 3.1976% | 5,631 |
| Cash dividends to net income (ytd only)* | 10.3896% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 6,042 |
| Loan loss allowance to noncurrent loans | 173.2369% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 4,003 |
| Noncurrent loans to loans | 0.5675% | 5,017 |
| Net loans and leases to total assets | 70.1724% | 1,631 |
| Net loans and leases to deposits | 80.2243% | 2,047 |
| Net loans and leases to core deposits | 81.1105% | 2,680 |
| Total domestic deposits to total assets | 87.4703% | 2,647 |
| Equity capital to assets | 11.0424% | 2,911 |
| Core capital (leverage) ratio | 10.9515% | 2,301 |
| Tier 1 risk-based capital ratio | 18.1621% | 2,297 |
| Total risk-based capital ratio | 19.3238% | 2,297 |
| Memoranda: | ||
| Average total assets | $134,186,500 | 4,099 |
| Average earning assets | $125,366,000 | 4,038 |
| Average equity | $15,026,000 | 3,992 |
| Average total loans | $96,121,500 | 3,611 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7614% | 391 |
| Cost of funding earning assets | 0.7801% | 2,830 |
| Net interest margin | 4.9813% | 399 |
| Noninterest income to average assets | 0.4128% | 4,507 |
| Noninterest expense to average assets | 2.9312% | 3,532 |
| Loan and lease loss provision to assets | 0.1884% | 3,286 |
| Net operating income to assets | 1.2428% | 1,468 |
| Return on assets (ROA) | 1.2428% | 1,631 |
| Pretax return on assets | 1.9150% | 730 |
| Return on Equity (ROE) | 11.7462% | 1,578 |
| Retained earnings to average equity (ytd only) | 9.7673% | 641 |
| Net charge-offs to loans | 0.2577% | 3,398 |
| Credit loss provision to net charge-offs | 97.6744% | 3,177 |
| Earnings coverage of net charge-offs (x) | 10.9031% | 2,090 |
| Efficiency ratio | 58.2207% | 5,797 |
| Assets per employee ($millions) | 3.1921% | 5,639 |
| Cash dividends to net income (ytd only)* | 16.8472% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,783 |
| Loan loss allowance to noncurrent loans | 146.4497% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 3,746 |
| Noncurrent loans to loans | 0.7131% | 4,758 |
| Net loans and leases to total assets | 71.6785% | 1,536 |
| Net loans and leases to deposits | 82.2411% | 1,969 |
| Net loans and leases to core deposits | 82.7942% | 2,685 |
| Total domestic deposits to total assets | 87.1565% | 2,736 |
| Equity capital to assets | 11.3611% | 2,576 |
| Core capital (leverage) ratio | 11.0859% | 2,177 |
| Tier 1 risk-based capital ratio | 18.0759% | 2,237 |
| Total risk-based capital ratio | 19.2989% | 2,216 |
| Memoranda: | ||
| Average total assets | $133,732,400 | 4,067 |
| Average earning assets | $124,084,000 | 4,015 |
| Average equity | $14,149,200 | 4,125 |
| Average total loans | $100,126,800 | 3,521 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 381 |
| Cost of funding earning assets | 0.8291% | 2,712 |
| Net interest margin | 5.0004% | 404 |
| Noninterest income to average assets | 0.4225% | 4,461 |
| Noninterest expense to average assets | 2.9473% | 3,418 |
| Loan and lease loss provision to assets | 0.2132% | 2,936 |
| Net operating income to assets | 1.2297% | 1,635 |
| Return on assets (ROA) | 1.2297% | 1,807 |
| Pretax return on assets | 1.8971% | 874 |
| Return on Equity (ROE) | 11.8352% | 1,686 |
| Retained earnings to average equity (ytd only) | 10.1267% | 883 |
| Net charge-offs to loans | 0.3023% | 2,928 |
| Credit loss provision to net charge-offs | 93.4783% | 3,191 |
| Earnings coverage of net charge-offs (x) | 9.2521% | 2,344 |
| Efficiency ratio | 58.2745% | 5,752 |
| Assets per employee ($millions) | 3.2359% | 5,572 |
| Cash dividends to net income (ytd only)* | 14.4355% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,195 |
| Loan loss allowance to noncurrent loans | 115.0059% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 3,869 |
| Noncurrent loans to loans | 0.8419% | 4,736 |
| Net loans and leases to total assets | 75.6264% | 1,024 |
| Net loans and leases to deposits | 86.6196% | 1,529 |
| Net loans and leases to core deposits | 87.6074% | 2,258 |
| Total domestic deposits to total assets | 87.3086% | 2,496 |
| Equity capital to assets | 10.9910% | 3,291 |
| Core capital (leverage) ratio | 10.6805% | 2,724 |
| Tier 1 risk-based capital ratio | 16.7471% | 2,875 |
| Total risk-based capital ratio | 17.8963% | 2,888 |
| Memoranda: | ||
| Average total assets | $134,446,500 | 4,090 |
| Average earning assets | $124,628,000 | 4,050 |
| Average equity | $13,969,250 | 4,199 |
| Average total loans | $101,458,500 | 3,527 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7689% | 425 |
| Cost of funding earning assets | 0.8609% | 2,722 |
| Net interest margin | 4.9081% | 463 |
| Noninterest income to average assets | 0.3984% | 4,665 |
| Noninterest expense to average assets | 2.8896% | 3,664 |
| Loan and lease loss provision to assets | 0.2636% | 2,470 |
| Net operating income to assets | 1.0960% | 2,061 |
| Return on assets (ROA) | 1.0960% | 2,287 |
| Pretax return on assets | 1.7965% | 1,051 |
| Return on Equity (ROE) | 10.7519% | 2,078 |
| Retained earnings to average equity (ytd only) | 8.6887% | 1,383 |
| Net charge-offs to loans | 0.0118% | 5,287 |
| Credit loss provision to net charge-offs | 2,966.6667% | 103 |
| Earnings coverage of net charge-offs (x) | 231.8333% | 185 |
| Efficiency ratio | 58.3782% | 5,820 |
| Assets per employee ($millions) | 3.1807% | 5,691 |
| Cash dividends to net income (ytd only)* | 19.1892% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,683 |
| Loan loss allowance to noncurrent loans | 51.8190% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.2381% | 2,503 |
| Noncurrent loans to loans | 2.1656% | 2,749 |
| Net loans and leases to total assets | 75.2479% | 1,068 |
| Net loans and leases to deposits | 86.8569% | 1,490 |
| Net loans and leases to core deposits | 87.8212% | 2,227 |
| Total domestic deposits to total assets | 86.6343% | 2,989 |
| Equity capital to assets | 10.3007% | 3,934 |
| Core capital (leverage) ratio | 10.1197% | 3,249 |
| Tier 1 risk-based capital ratio | 15.6170% | 3,379 |
| Total risk-based capital ratio | 16.8680% | 3,340 |
| Memoranda: | ||
| Average total assets | $135,038,000 | 4,096 |
| Average earning assets | $125,222,670 | 4,045 |
| Average equity | $13,765,000 | 4,241 |
| Average total loans | $101,506,000 | 3,532 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 436 |
| Cost of funding earning assets | 0.8862% | 2,791 |
| Net interest margin | 4.8998% | 467 |
| Noninterest income to average assets | 0.3399% | 5,137 |
| Noninterest expense to average assets | 2.9007% | 3,620 |
| Loan and lease loss provision to assets | 0.1968% | 2,978 |
| Net operating income to assets | 1.1180% | 1,998 |
| Return on assets (ROA) | 1.1180% | 2,184 |
| Pretax return on assets | 1.7917% | 1,083 |
| Return on Equity (ROE) | 11.0266% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.8504% | 1,305 |
| Net charge-offs to loans | 0.0279% | 4,296 |
| Credit loss provision to net charge-offs | 942.8571% | 371 |
| Earnings coverage of net charge-offs (x) | 95.2857% | 359 |
| Efficiency ratio | 59.3293% | 5,719 |
| Assets per employee ($millions) | 3.2140% | 5,736 |
| Cash dividends to net income (ytd only)* | 10.6667% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 6,127 |
| Loan loss allowance to noncurrent loans | 78.3804% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6562% | 3,368 |
| Noncurrent loans to loans | 1.3240% | 4,127 |
| Net loans and leases to total assets | 72.7946% | 1,257 |
| Net loans and leases to deposits | 83.1735% | 1,774 |
| Net loans and leases to core deposits | 84.0736% | 2,538 |
| Total domestic deposits to total assets | 87.5213% | 2,638 |
| Equity capital to assets | 9.9599% | 4,173 |
| Core capital (leverage) ratio | 9.9908% | 3,375 |
| Tier 1 risk-based capital ratio | 15.3340% | 3,539 |
| Total risk-based capital ratio | 16.5262% | 3,530 |
| Memoranda: | ||
| Average total assets | $134,173,000 | 4,143 |
| Average earning assets | $124,576,500 | 4,099 |
| Average equity | $13,603,500 | 4,275 |
| Average total loans | $100,217,500 | 3,594 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1257% | 351 |
| Cost of funding earning assets | 1.0700% | 2,883 |
| Net interest margin | 5.0557% | 365 |
| Noninterest income to average assets | 0.4345% | 4,334 |
| Noninterest expense to average assets | 3.0595% | 3,358 |
| Loan and lease loss provision to assets | 0.1410% | 4,855 |
| Net operating income to assets | 1.2711% | 1,320 |
| Return on assets (ROA) | 1.2711% | 1,421 |
| Pretax return on assets | 1.9186% | 639 |
| Return on Equity (ROE) | 13.0526% | 1,153 |
| Retained earnings to average equity (ytd only) | 11.6129% | 336 |
| Net charge-offs to loans | 0.0191% | 6,174 |
| Credit loss provision to net charge-offs | 957.8947% | 239 |
| Earnings coverage of net charge-offs (x) | 139.9474% | 240 |
| Efficiency ratio | 59.7670% | 5,796 |
| Assets per employee ($millions) | 3.0266% | 6,026 |
| Cash dividends to net income (ytd only)* | 11.0299% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 6,179 |
| Loan loss allowance to noncurrent loans | 74.7748% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.8764% | 3,149 |
| Noncurrent loans to loans | 1.3485% | 4,121 |
| Net loans and leases to total assets | 75.1325% | 1,073 |
| Net loans and leases to deposits | 86.2416% | 1,637 |
| Net loans and leases to core deposits | 87.4338% | 2,446 |
| Total domestic deposits to total assets | 87.1187% | 2,699 |
| Equity capital to assets | 10.3287% | 3,744 |
| Core capital (leverage) ratio | 10.2068% | 3,081 |
| Tier 1 risk-based capital ratio | 15.5994% | 3,269 |
| Total risk-based capital ratio | 16.7733% | 3,259 |
| Memoranda: | ||
| Average total assets | $129,104,600 | 4,187 |
| Average earning assets | $119,626,600 | 4,139 |
| Average equity | $12,572,200 | 4,425 |
| Average total loans | $99,608,600 | 3,629 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1843% | 336 |
| Cost of funding earning assets | 1.0964% | 3,005 |
| Net interest margin | 5.0879% | 348 |
| Noninterest income to average assets | 0.4801% | 4,038 |
| Noninterest expense to average assets | 3.0392% | 3,406 |
| Loan and lease loss provision to assets | 0.1883% | 4,146 |
| Net operating income to assets | 1.2345% | 1,559 |
| Return on assets (ROA) | 1.2345% | 1,663 |
| Pretax return on assets | 1.9682% | 667 |
| Return on Equity (ROE) | 12.8746% | 1,312 |
| Retained earnings to average equity (ytd only) | 11.7415% | 526 |
| Net charge-offs to loans | 0.0187% | 5,894 |
| Credit loss provision to net charge-offs | 1,300.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 148.8270% | 260 |
| Efficiency ratio | 58.4943% | 5,935 |
| Assets per employee ($millions) | 3.0230% | 6,063 |
| Cash dividends to net income (ytd only)* | 8.8015% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,283 |
| Loan loss allowance to noncurrent loans | 524.0838% | 630 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 4,753 |
| Noncurrent loans to loans | 0.1903% | 6,488 |
| Net loans and leases to total assets | 76.4249% | 922 |
| Net loans and leases to deposits | 87.7589% | 1,458 |
| Net loans and leases to core deposits | 88.9717% | 2,364 |
| Total domestic deposits to total assets | 87.0851% | 2,602 |
| Equity capital to assets | 10.0624% | 4,259 |
| Core capital (leverage) ratio | 9.8695% | 3,618 |
| Tier 1 risk-based capital ratio | 15.3620% | 3,452 |
| Total risk-based capital ratio | 16.5590% | 3,457 |
| Memoranda: | ||
| Average total assets | $128,845,250 | 4,221 |
| Average earning assets | $119,418,250 | 4,165 |
| Average equity | $12,354,750 | 4,481 |
| Average total loans | $99,817,000 | 3,656 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0927% | 392 |
| Cost of funding earning assets | 1.1259% | 3,066 |
| Net interest margin | 4.9668% | 418 |
| Noninterest income to average assets | 0.4748% | 4,063 |
| Noninterest expense to average assets | 3.0421% | 3,471 |
| Loan and lease loss provision to assets | 0.1977% | 3,956 |
| Net operating income to assets | 1.1490% | 1,721 |
| Return on assets (ROA) | 1.1490% | 1,801 |
| Pretax return on assets | 1.8433% | 806 |
| Return on Equity (ROE) | 12.1853% | 1,442 |
| Retained earnings to average equity (ytd only) | 10.6332% | 731 |
| Net charge-offs to loans | -0.0141% | 6,755 |
| Credit loss provision to net charge-offs | -1,814.2857% | 6,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8469% | 5,897 |
| Assets per employee ($millions) | 3.1303% | 5,804 |
| Cash dividends to net income (ytd only)* | 12.7371% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,525 |
| Loan loss allowance to noncurrent loans | 133.9335% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 3,704 |
| Noncurrent loans to loans | 0.7056% | 5,499 |
| Net loans and leases to total assets | 77.0961% | 901 |
| Net loans and leases to deposits | 87.9998% | 1,502 |
| Net loans and leases to core deposits | 88.9942% | 2,498 |
| Total domestic deposits to total assets | 87.6094% | 2,403 |
| Equity capital to assets | 9.5413% | 4,747 |
| Core capital (leverage) ratio | 9.4613% | 4,013 |
| Tier 1 risk-based capital ratio | 14.3846% | 3,879 |
| Total risk-based capital ratio | 15.5062% | 3,948 |
| Memoranda: | ||
| Average total assets | $128,464,000 | 4,256 |
| Average earning assets | $119,191,330 | 4,205 |
| Average equity | $12,113,000 | 4,525 |
| Average total loans | $99,641,000 | 3,695 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9897% | 484 |
| Cost of funding earning assets | 1.1769% | 2,970 |
| Net interest margin | 4.8128% | 557 |
| Noninterest income to average assets | 0.4726% | 4,097 |
| Noninterest expense to average assets | 3.0372% | 3,498 |
| Loan and lease loss provision to assets | 0.2111% | 3,535 |
| Net operating income to assets | 1.0460% | 2,013 |
| Return on assets (ROA) | 1.0460% | 2,066 |
| Pretax return on assets | 1.6950% | 990 |
| Return on Equity (ROE) | 11.1620% | 1,688 |
| Retained earnings to average equity (ytd only) | 10.8258% | 934 |
| Net charge-offs to loans | -0.0366% | 6,776 |
| Credit loss provision to net charge-offs | -744.4444% | 6,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4404% | 5,770 |
| Assets per employee ($millions) | 3.0546% | 6,041 |
| Cash dividends to net income (ytd only)* | 3.0120% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,644 |
| Loan loss allowance to noncurrent loans | 118.5137% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.6826% | 3,729 |
| Noncurrent loans to loans | 0.7787% | 5,479 |
| Net loans and leases to total assets | 74.2986% | 1,303 |
| Net loans and leases to deposits | 84.5834% | 1,941 |
| Net loans and leases to core deposits | 85.7526% | 2,910 |
| Total domestic deposits to total assets | 87.8406% | 2,466 |
| Equity capital to assets | 9.1810% | 4,899 |
| Core capital (leverage) ratio | 9.3861% | 3,984 |
| Tier 1 risk-based capital ratio | 14.1255% | 3,986 |
| Total risk-based capital ratio | 15.1884% | 4,088 |
| Memoranda: | ||
| Average total assets | $126,960,500 | 4,322 |
| Average earning assets | $117,936,000 | 4,256 |
| Average equity | $11,897,500 | 4,576 |
| Average total loans | $98,298,500 | 3,763 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2903% | 472 |
| Cost of funding earning assets | 1.4311% | 3,066 |
| Net interest margin | 4.8593% | 588 |
| Noninterest income to average assets | 0.5376% | 3,902 |
| Noninterest expense to average assets | 3.1894% | 3,135 |
| Loan and lease loss provision to assets | 0.1965% | 5,267 |
| Net operating income to assets | 1.1430% | 1,568 |
| Return on assets (ROA) | 1.1430% | 1,649 |
| Pretax return on assets | 1.6888% | 967 |
| Return on Equity (ROE) | 12.4168% | 1,235 |
| Retained earnings to average equity (ytd only) | 10.7660% | 405 |
| Net charge-offs to loans | 0.1584% | 5,397 |
| Credit loss provision to net charge-offs | 152.5641% | 2,344 |
| Earnings coverage of net charge-offs (x) | 14.6346% | 1,327 |
| Efficiency ratio | 62.8478% | 5,544 |
| Assets per employee ($millions) | 2.8506% | 6,438 |
| Cash dividends to net income (ytd only)* | 13.2948% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 6,859 |
| Loan loss allowance to noncurrent loans | 52.5221% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.7239% | 3,716 |
| Noncurrent loans to loans | 1.6167% | 4,078 |
| Net loans and leases to total assets | 79.3529% | 749 |
| Net loans and leases to deposits | 90.7925% | 1,423 |
| Net loans and leases to core deposits | 92.1376% | 2,486 |
| Total domestic deposits to total assets | 87.4003% | 2,611 |
| Equity capital to assets | 9.5746% | 4,307 |
| Core capital (leverage) ratio | 9.6144% | 3,534 |
| Tier 1 risk-based capital ratio | 14.1336% | 3,780 |
| Total risk-based capital ratio | 15.1349% | 3,919 |
| Memoranda: | ||
| Average total assets | $121,089,600 | 4,464 |
| Average earning assets | $113,062,600 | 4,397 |
| Average equity | $11,146,200 | 4,828 |
| Average total loans | $98,480,400 | 3,843 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3242% | 485 |
| Cost of funding earning assets | 1.4817% | 3,073 |
| Net interest margin | 4.8425% | 613 |
| Noninterest income to average assets | 0.5544% | 3,761 |
| Noninterest expense to average assets | 3.2085% | 2,901 |
| Loan and lease loss provision to assets | 0.1491% | 5,547 |
| Net operating income to assets | 1.0846% | 1,946 |
| Return on assets (ROA) | 1.0846% | 2,057 |
| Pretax return on assets | 1.7197% | 1,075 |
| Return on Equity (ROE) | 11.9041% | 1,533 |
| Retained earnings to average equity (ytd only) | 10.6676% | 652 |
| Net charge-offs to loans | -0.0257% | 7,385 |
| Credit loss provision to net charge-offs | -710.5263% | 7,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1934% | 5,406 |
| Assets per employee ($millions) | 2.8410% | 6,505 |
| Cash dividends to net income (ytd only)* | 10.3872% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 6,757 |
| Loan loss allowance to noncurrent loans | 37.8503% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 2,838 |
| Noncurrent loans to loans | 2.3697% | 3,270 |
| Net loans and leases to total assets | 81.8536% | 514 |
| Net loans and leases to deposits | 93.7977% | 1,226 |
| Net loans and leases to core deposits | 96.3445% | 2,221 |
| Total domestic deposits to total assets | 87.2661% | 2,393 |
| Equity capital to assets | 9.4039% | 4,979 |
| Core capital (leverage) ratio | 9.2944% | 4,222 |
| Tier 1 risk-based capital ratio | 13.8224% | 3,958 |
| Total risk-based capital ratio | 14.9179% | 4,026 |
| Memoranda: | ||
| Average total assets | $120,718,500 | 4,530 |
| Average earning assets | $112,748,750 | 4,462 |
| Average equity | $10,998,750 | 4,925 |
| Average total loans | $98,575,750 | 3,906 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2173% | 600 |
| Cost of funding earning assets | 1.5405% | 3,011 |
| Net interest margin | 4.6768% | 850 |
| Noninterest income to average assets | 0.5572% | 3,645 |
| Noninterest expense to average assets | 3.1388% | 3,152 |
| Loan and lease loss provision to assets | 0.1497% | 5,403 |
| Net operating income to assets | 1.0330% | 2,072 |
| Return on assets (ROA) | 1.0330% | 2,152 |
| Pretax return on assets | 1.6418% | 1,183 |
| Return on Equity (ROE) | 11.4621% | 1,604 |
| Retained earnings to average equity (ytd only) | 9.7825% | 896 |
| Net charge-offs to loans | -0.1084% | 7,563 |
| Credit loss provision to net charge-offs | -169.8113% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6640% | 5,398 |
| Assets per employee ($millions) | 2.8713% | 6,412 |
| Cash dividends to net income (ytd only)* | 14.6538% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 6,763 |
| Loan loss allowance to noncurrent loans | 30.7745% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 2.4089% | 2,986 |
| Noncurrent loans to loans | 2.9186% | 2,740 |
| Net loans and leases to total assets | 81.7944% | 561 |
| Net loans and leases to deposits | 93.9867% | 1,275 |
| Net loans and leases to core deposits | 97.3376% | 2,297 |
| Total domestic deposits to total assets | 87.0277% | 2,519 |
| Equity capital to assets | 9.2326% | 5,100 |
| Core capital (leverage) ratio | 8.9163% | 4,728 |
| Tier 1 risk-based capital ratio | 13.7250% | 3,919 |
| Total risk-based capital ratio | 14.8334% | 3,977 |
| Memoranda: | ||
| Average total assets | $120,237,330 | 4,563 |
| Average earning assets | $112,427,670 | 4,499 |
| Average equity | $10,835,670 | 4,961 |
| Average total loans | $97,801,330 | 3,970 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1161% | 757 |
| Cost of funding earning assets | 1.5531% | 3,249 |
| Net interest margin | 4.5630% | 1,020 |
| Noninterest income to average assets | 0.5564% | 3,596 |
| Noninterest expense to average assets | 3.0818% | 3,340 |
| Loan and lease loss provision to assets | 0.1499% | 5,048 |
| Net operating income to assets | 0.9995% | 2,190 |
| Return on assets (ROA) | 0.9995% | 2,260 |
| Pretax return on assets | 1.5926% | 1,280 |
| Return on Equity (ROE) | 11.2291% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.8922% | 945 |
| Net charge-offs to loans | -0.2600% | 7,719 |
| Credit loss provision to net charge-offs | -71.4286% | 6,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8812% | 5,519 |
| Assets per employee ($millions) | 2.9681% | 6,289 |
| Cash dividends to net income (ytd only)* | 3.0000% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,905 |
| Loan loss allowance to noncurrent loans | 29.7954% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 2.3127% | 3,133 |
| Noncurrent loans to loans | 2.9481% | 2,727 |
| Net loans and leases to total assets | 77.7581% | 1,197 |
| Net loans and leases to deposits | 91.0811% | 1,746 |
| Net loans and leases to core deposits | 94.7750% | 2,734 |
| Total domestic deposits to total assets | 85.3723% | 3,476 |
| Equity capital to assets | 8.7036% | 5,724 |
| Core capital (leverage) ratio | 8.9157% | 4,709 |
| Tier 1 risk-based capital ratio | 13.4677% | 4,005 |
| Total risk-based capital ratio | 14.5358% | 4,082 |
| Memoranda: | ||
| Average total assets | $120,058,500 | 4,625 |
| Average earning assets | $112,294,000 | 4,559 |
| Average equity | $10,686,500 | 5,049 |
| Average total loans | $96,935,000 | 4,051 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7931% | 388 |
| Cost of funding earning assets | 1.6676% | 4,686 |
| Net interest margin | 5.1255% | 344 |
| Noninterest income to average assets | 0.5947% | 3,674 |
| Noninterest expense to average assets | 3.4645% | 2,474 |
| Loan and lease loss provision to assets | 0.1336% | 6,302 |
| Net operating income to assets | 1.1681% | 1,335 |
| Return on assets (ROA) | 1.1681% | 1,372 |
| Pretax return on assets | 1.7703% | 674 |
| Return on Equity (ROE) | 13.7499% | 828 |
| Retained earnings to average equity (ytd only) | 12.1882% | 195 |
| Net charge-offs to loans | 0.0609% | 6,489 |
| Credit loss provision to net charge-offs | 261.8182% | 1,341 |
| Earnings coverage of net charge-offs (x) | 37.3091% | 636 |
| Efficiency ratio | 64.5351% | 5,670 |
| Assets per employee ($millions) | 2.7490% | 6,757 |
| Cash dividends to net income (ytd only)* | 11.3582% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 7,190 |
| Loan loss allowance to noncurrent loans | 28.3932% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 2.2909% | 3,019 |
| Noncurrent loans to loans | 2.7530% | 2,807 |
| Net loans and leases to total assets | 82.5648% | 601 |
| Net loans and leases to deposits | 97.5681% | 1,152 |
| Net loans and leases to core deposits | 124.5082% | 1,605 |
| Total domestic deposits to total assets | 84.6227% | 3,747 |
| Equity capital to assets | 9.1143% | 4,966 |
| Core capital (leverage) ratio | 9.2578% | 4,041 |
| Tier 1 risk-based capital ratio | 12.9199% | 4,195 |
| Total risk-based capital ratio | 13.8405% | 4,398 |
| Memoranda: | ||
| Average total assets | $107,777,600 | 4,884 |
| Average earning assets | $100,381,400 | 4,837 |
| Average equity | $9,156,400 | 5,561 |
| Average total loans | $90,371,000 | 4,202 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7773% | 441 |
| Cost of funding earning assets | 1.6744% | 5,038 |
| Net interest margin | 5.1030% | 364 |
| Noninterest income to average assets | 0.5995% | 3,711 |
| Noninterest expense to average assets | 3.4952% | 2,297 |
| Loan and lease loss provision to assets | 0.1360% | 5,998 |
| Net operating income to assets | 1.0895% | 1,769 |
| Return on assets (ROA) | 1.0895% | 1,829 |
| Pretax return on assets | 1.7205% | 932 |
| Return on Equity (ROE) | 13.0838% | 1,103 |
| Retained earnings to average equity (ytd only) | 11.9342% | 348 |
| Net charge-offs to loans | 0.0285% | 6,484 |
| Credit loss provision to net charge-offs | 568.4211% | 684 |
| Earnings coverage of net charge-offs (x) | 77.5871% | 438 |
| Efficiency ratio | 65.3095% | 5,500 |
| Assets per employee ($millions) | 2.6445% | 6,956 |
| Cash dividends to net income (ytd only)* | 8.7861% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 7,193 |
| Loan loss allowance to noncurrent loans | 43.5868% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5513% | 4,040 |
| Noncurrent loans to loans | 1.7809% | 3,938 |
| Net loans and leases to total assets | 86.4301% | 318 |
| Net loans and leases to deposits | 101.8676% | 935 |
| Net loans and leases to core deposits | 124.1025% | 1,890 |
| Total domestic deposits to total assets | 84.8455% | 3,311 |
| Equity capital to assets | 8.3147% | 6,490 |
| Core capital (leverage) ratio | 8.4167% | 5,644 |
| Tier 1 risk-based capital ratio | 11.4856% | 5,441 |
| Total risk-based capital ratio | 12.4222% | 5,732 |
| Memoranda: | ||
| Average total assets | $105,858,000 | 4,958 |
| Average earning assets | $98,581,000 | 4,905 |
| Average equity | $8,814,750 | 5,715 |
| Average total loans | $88,944,500 | 4,281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7074% | 535 |
| Cost of funding earning assets | 1.7316% | 5,113 |
| Net interest margin | 4.9758% | 457 |
| Noninterest income to average assets | 0.6012% | 3,681 |
| Noninterest expense to average assets | 3.5113% | 2,305 |
| Loan and lease loss provision to assets | 0.1383% | 5,691 |
| Net operating income to assets | 0.9950% | 2,129 |
| Return on assets (ROA) | 0.9950% | 2,223 |
| Pretax return on assets | 1.5770% | 1,266 |
| Return on Equity (ROE) | 11.9428% | 1,431 |
| Retained earnings to average equity (ytd only) | 10.1906% | 691 |
| Net charge-offs to loans | 0.0579% | 5,687 |
| Credit loss provision to net charge-offs | 288.0000% | 1,627 |
| Earnings coverage of net charge-offs (x) | 35.7200% | 890 |
| Efficiency ratio | 67.1812% | 5,322 |
| Assets per employee ($millions) | 2.6329% | 6,992 |
| Cash dividends to net income (ytd only)* | 14.6718% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 7,239 |
| Loan loss allowance to noncurrent loans | 44.6755% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 1.4701% | 4,033 |
| Noncurrent loans to loans | 1.7326% | 3,911 |
| Net loans and leases to total assets | 84.1964% | 609 |
| Net loans and leases to deposits | 100.9575% | 1,177 |
| Net loans and leases to core deposits | 118.6027% | 2,490 |
| Total domestic deposits to total assets | 83.3979% | 4,068 |
| Equity capital to assets | 8.2455% | 6,421 |
| Core capital (leverage) ratio | 8.3766% | 5,663 |
| Tier 1 risk-based capital ratio | 11.3877% | 5,509 |
| Total risk-based capital ratio | 12.2989% | 5,745 |
| Memoranda: | ||
| Average total assets | $104,121,000 | 5,043 |
| Average earning assets | $96,788,330 | 4,980 |
| Average equity | $8,674,670 | 5,785 |
| Average total loans | $86,343,330 | 4,389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5685% | 758 |
| Cost of funding earning assets | 1.8550% | 4,852 |
| Net interest margin | 4.7134% | 749 |
| Noninterest income to average assets | 0.6027% | 3,525 |
| Noninterest expense to average assets | 3.5105% | 2,077 |
| Loan and lease loss provision to assets | 0.1409% | 5,141 |
| Net operating income to assets | 0.8297% | 2,999 |
| Return on assets (ROA) | 0.8297% | 3,148 |
| Pretax return on assets | 1.3267% | 2,191 |
| Return on Equity (ROE) | 9.9048% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.8581% | 1,229 |
| Net charge-offs to loans | 0.0860% | 4,305 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 20.8333% | 1,355 |
| Efficiency ratio | 70.5189% | 4,474 |
| Assets per employee ($millions) | 2.5146% | 7,249 |
| Cash dividends to net income (ytd only)* | 0.4717% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 7,134 |
| Loan loss allowance to noncurrent loans | 52.7541% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2205% | 4,242 |
| Noncurrent loans to loans | 1.5295% | 3,989 |
| Net loans and leases to total assets | 79.1522% | 1,549 |
| Net loans and leases to deposits | 90.6208% | 2,836 |
| Net loans and leases to core deposits | 105.4148% | 3,981 |
| Total domestic deposits to total assets | 87.3444% | 2,039 |
| Equity capital to assets | 8.2177% | 6,515 |
| Core capital (leverage) ratio | 8.3491% | 5,815 |
| Tier 1 risk-based capital ratio | 11.6085% | 5,293 |
| Total risk-based capital ratio | 12.5230% | 5,536 |
| Memoranda: | ||
| Average total assets | $102,206,500 | 5,119 |
| Average earning assets | $94,877,500 | 5,059 |
| Average equity | $8,561,500 | 5,861 |
| Average total loans | $83,715,500 | 4,502 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3787% | 516 |
| Cost of funding earning assets | 2.2754% | 5,263 |
| Net interest margin | 5.1033% | 403 |
| Noninterest income to average assets | 0.6108% | 3,768 |
| Noninterest expense to average assets | 3.6121% | 2,115 |
| Loan and lease loss provision to assets | 0.0773% | 6,432 |
| Net operating income to assets | 1.1228% | 2,060 |
| Return on assets (ROA) | 1.1228% | 1,973 |
| Pretax return on assets | 1.6305% | 1,311 |
| Return on Equity (ROE) | 13.1529% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.3674% | 285 |
| Net charge-offs to loans | -0.0075% | 7,822 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8975% | 4,739 |
| Assets per employee ($millions) | 2.3524% | 7,484 |
| Cash dividends to net income (ytd only)* | 13.5755% | 4,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 7,123 |
| Loan loss allowance to noncurrent loans | 51.5175% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 3,623 |
| Noncurrent loans to loans | 1.5453% | 3,477 |
| Net loans and leases to total assets | 83.4960% | 963 |
| Net loans and leases to deposits | 96.0875% | 2,436 |
| Net loans and leases to core deposits | 112.6167% | 3,494 |
| Total domestic deposits to total assets | 86.8957% | 1,984 |
| Equity capital to assets | 8.5466% | 6,019 |
| Core capital (leverage) ratio | 8.4486% | 5,659 |
| Tier 1 risk-based capital ratio | 11.9236% | 4,887 |
| Total risk-based capital ratio | 12.8611% | 5,031 |
| Memoranda: | ||
| Average total assets | $93,159,600 | 5,254 |
| Average earning assets | $85,963,600 | 5,234 |
| Average equity | $7,952,600 | 6,102 |
| Average total loans | $79,773,600 | 4,520 |