Home > The Citizens-Farmers Bank of Cole Camp > Performance and Condition Ratios
The Citizens-Farmers Bank of Cole Camp, 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 | 5.0081% | 2,056 |
| Cost of funding earning assets | 1.7505% | 1,352 |
| Net interest margin | 3.2576% | 2,739 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 1.9584% | 3,717 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.2340% | 1,575 |
| Return on assets (ROA) | 1.2340% | 1,546 |
| Pretax return on assets | 1.5138% | 1,384 |
| Return on Equity (ROE) | 9.1600% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.6660% | 3,064 |
| Net charge-offs to loans | 0.1136% | 831 |
| Credit loss provision to net charge-offs | 72.4638% | 2,072 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,871 |
| Efficiency ratio | 55.5005% | 3,547 |
| Assets per employee ($millions) | 6.4808% | 2,428 |
| Cash dividends to net income (ytd only)* | 59.9909% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 1,504 |
| Loan loss allowance to noncurrent loans | 150.4386% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 841 |
| Noncurrent loans to loans | 0.9116% | 824 |
| Net loans and leases to total assets | 67.9700% | 2,040 |
| Net loans and leases to deposits | 85.0561% | 1,686 |
| Net loans and leases to core deposits | 91.9847% | 1,904 |
| Total domestic deposits to total assets | 79.9200% | 3,474 |
| Equity capital to assets | 13.4243% | 783 |
| Core capital (leverage) ratio | 14.2921% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $177,232,200 | 3,148 |
| Average earning assets | $163,156,400 | 3,148 |
| Average equity | $23,868,200 | 2,579 |
| Average total loans | $121,437,800 | 2,940 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 2,123 |
| Cost of funding earning assets | 1.7036% | 1,180 |
| Net interest margin | 3.1672% | 2,986 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 1.8307% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3320% | 1,466 |
| Return on assets (ROA) | 1.3320% | 1,449 |
| Pretax return on assets | 1.6188% | 1,313 |
| Return on Equity (ROE) | 9.8800% | 2,667 |
| Retained earnings to average equity (ytd only) | 9.5343% | 1,542 |
| Net charge-offs to loans | 0.1051% | 756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 22.5158% | 1,758 |
| Efficiency ratio | 53.0715% | 3,666 |
| Assets per employee ($millions) | 5.9422% | 2,807 |
| Cash dividends to net income (ytd only)* | 3.5227% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 1,745 |
| Loan loss allowance to noncurrent loans | 130.6541% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 793 |
| Noncurrent loans to loans | 1.0175% | 793 |
| Net loans and leases to total assets | 69.0300% | 1,941 |
| Net loans and leases to deposits | 83.8200% | 1,756 |
| Net loans and leases to core deposits | 89.8309% | 1,935 |
| Total domestic deposits to total assets | 82.3600% | 3,151 |
| Equity capital to assets | 13.5107% | 721 |
| Core capital (leverage) ratio | 14.7844% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $176,174,750 | 3,169 |
| Average earning assets | $162,157,750 | 3,162 |
| Average equity | $23,745,250 | 2,581 |
| Average total loans | $120,532,250 | 2,952 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 2,181 |
| Cost of funding earning assets | 1.6506% | 968 |
| Net interest margin | 3.0635% | 3,291 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 1.8407% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2742% | 1,635 |
| Return on assets (ROA) | 1.2742% | 1,623 |
| Pretax return on assets | 1.5124% | 1,572 |
| Return on Equity (ROE) | 9.4600% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.9370% | 1,702 |
| Net charge-offs to loans | 0.1662% | 472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 13.4040% | 1,907 |
| Efficiency ratio | 54.8946% | 3,543 |
| Assets per employee ($millions) | 5.9000% | 2,795 |
| Cash dividends to net income (ytd only)* | 5.5456% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,644 |
| Loan loss allowance to noncurrent loans | 143.4142% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 812 |
| Noncurrent loans to loans | 0.9542% | 796 |
| Net loans and leases to total assets | 67.3900% | 2,024 |
| Net loans and leases to deposits | 79.8431% | 1,998 |
| Net loans and leases to core deposits | 85.2969% | 2,128 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 13.6131% | 697 |
| Core capital (leverage) ratio | 14.6436% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $175,477,667 | 3,175 |
| Average earning assets | $161,514,667 | 3,180 |
| Average equity | $23,632,000 | 2,592 |
| Average total loans | $119,136,333 | 2,961 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 2,175 |
| Cost of funding earning assets | 1.6339% | 657 |
| Net interest margin | 2.9220% | 3,755 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 1.7651% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2340% | 1,839 |
| Return on assets (ROA) | 1.2340% | 1,809 |
| Pretax return on assets | 1.4996% | 1,673 |
| Return on Equity (ROE) | 9.2100% | 2,994 |
| Retained earnings to average equity (ytd only) | 9.2135% | 1,886 |
| Net charge-offs to loans | 0.0101% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 218.3333% | 480 |
| Efficiency ratio | 54.0673% | 3,595 |
| Assets per employee ($millions) | 5.8127% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,342 |
| Loan loss allowance to noncurrent loans | 152.5719% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 753 |
| Noncurrent loans to loans | 0.9695% | 766 |
| Net loans and leases to total assets | 66.8400% | 1,966 |
| Net loans and leases to deposits | 79.3268% | 1,865 |
| Net loans and leases to core deposits | 83.8582% | 1,989 |
| Total domestic deposits to total assets | 84.2600% | 3,041 |
| Equity capital to assets | 13.6643% | 645 |
| Core capital (leverage) ratio | 14.0999% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $174,717,000 | 3,223 |
| Average earning assets | $160,846,000 | 3,227 |
| Average equity | $23,400,500 | 2,630 |
| Average total loans | $118,237,000 | 2,997 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 1,583 |
| Cost of funding earning assets | 0.5413% | 1,151 |
| Net interest margin | 3.5111% | 1,898 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.9668% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5455% | 785 |
| Return on assets (ROA) | 1.5455% | 761 |
| Pretax return on assets | 1.7838% | 768 |
| Return on Equity (ROE) | 11.2700% | 2,389 |
| Retained earnings to average equity (ytd only) | 5.5812% | 2,798 |
| Net charge-offs to loans | 0.0348% | 1,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 1,092 |
| Efficiency ratio | 52.4398% | 3,944 |
| Assets per employee ($millions) | 5.8351% | 2,917 |
| Cash dividends to net income (ytd only)* | 50.4806% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,246 |
| Loan loss allowance to noncurrent loans | 152.4348% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 758 |
| Noncurrent loans to loans | 0.9732% | 755 |
| Net loans and leases to total assets | 66.5000% | 1,980 |
| Net loans and leases to deposits | 82.9804% | 1,540 |
| Net loans and leases to core deposits | 88.0532% | 1,602 |
| Total domestic deposits to total assets | 80.1400% | 3,860 |
| Equity capital to assets | 13.1235% | 680 |
| Core capital (leverage) ratio | 14.0868% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $168,291,400 | 3,280 |
| Average earning assets | $155,363,600 | 3,276 |
| Average equity | $23,077,600 | 2,696 |
| Average total loans | $109,270,600 | 3,034 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 1,334 |
| Cost of funding earning assets | 0.3499% | 1,703 |
| Net interest margin | 3.6180% | 1,355 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.7847% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7526% | 468 |
| Return on assets (ROA) | 1.7526% | 456 |
| Pretax return on assets | 2.0736% | 398 |
| Return on Equity (ROE) | 12.6400% | 1,824 |
| Retained earnings to average equity (ytd only) | 12.2748% | 733 |
| Net charge-offs to loans | -0.0673% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.2560% | 4,370 |
| Assets per employee ($millions) | 5.9166% | 2,834 |
| Cash dividends to net income (ytd only)* | 2.8767% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,062 |
| Loan loss allowance to noncurrent loans | 151.3536% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 729 |
| Noncurrent loans to loans | 1.0574% | 719 |
| Net loans and leases to total assets | 66.1100% | 1,879 |
| Net loans and leases to deposits | 81.2151% | 1,507 |
| Net loans and leases to core deposits | 85.2072% | 1,570 |
| Total domestic deposits to total assets | 81.4100% | 3,915 |
| Equity capital to assets | 13.4380% | 622 |
| Core capital (leverage) ratio | 14.8864% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $166,601,250 | 3,318 |
| Average earning assets | $153,928,250 | 3,311 |
| Average equity | $23,103,750 | 2,735 |
| Average total loans | $107,047,750 | 3,070 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 1,075 |
| Cost of funding earning assets | 0.2853% | 1,846 |
| Net interest margin | 3.6372% | 1,010 |
| Noninterest income to average assets | 0.4668% | 2,363 |
| Noninterest expense to average assets | 1.7909% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6345% | 503 |
| Return on assets (ROA) | 1.6345% | 494 |
| Pretax return on assets | 2.0456% | 344 |
| Return on Equity (ROE) | 11.6612% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.1162% | 767 |
| Net charge-offs to loans | -0.1016% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6814% | 4,418 |
| Assets per employee ($millions) | 6.0675% | 2,682 |
| Cash dividends to net income (ytd only)* | 4.6736% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 965 |
| Loan loss allowance to noncurrent loans | 170.5828% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 868 |
| Noncurrent loans to loans | 0.9947% | 843 |
| Net loans and leases to total assets | 62.8828% | 2,029 |
| Net loans and leases to deposits | 73.1754% | 1,943 |
| Net loans and leases to core deposits | 76.4958% | 1,973 |
| Total domestic deposits to total assets | 85.9343% | 3,265 |
| Equity capital to assets | 13.5583% | 576 |
| Core capital (leverage) ratio | 14.6328% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,941,333 | 3,367 |
| Average earning assets | $152,809,667 | 3,369 |
| Average equity | $23,119,333 | 2,811 |
| Average total loans | $104,302,667 | 3,129 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 1,018 |
| Cost of funding earning assets | 0.2937% | 1,716 |
| Net interest margin | 3.5459% | 993 |
| Noninterest income to average assets | 0.4481% | 2,403 |
| Noninterest expense to average assets | 1.8194% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5412% | 582 |
| Return on assets (ROA) | 1.5412% | 575 |
| Pretax return on assets | 1.9278% | 416 |
| Return on Equity (ROE) | 10.8108% | 1,676 |
| Retained earnings to average equity (ytd only) | 10.8108% | 816 |
| Net charge-offs to loans | -0.0196% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5545% | 4,376 |
| Assets per employee ($millions) | 5.7149% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 988 |
| Loan loss allowance to noncurrent loans | 95.3797% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 401 |
| Noncurrent loans to loans | 1.8222% | 418 |
| Net loans and leases to total assets | 61.2678% | 1,937 |
| Net loans and leases to deposits | 71.6425% | 1,812 |
| Net loans and leases to core deposits | 74.9358% | 1,856 |
| Total domestic deposits to total assets | 85.5189% | 3,409 |
| Equity capital to assets | 13.8011% | 556 |
| Core capital (leverage) ratio | 14.5013% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,467,500 | 3,401 |
| Average earning assets | $151,162,000 | 3,396 |
| Average equity | $23,162,000 | 2,895 |
| Average total loans | $102,116,500 | 3,157 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 801 |
| Cost of funding earning assets | 0.3595% | 1,858 |
| Net interest margin | 3.9768% | 744 |
| Noninterest income to average assets | 0.4590% | 2,769 |
| Noninterest expense to average assets | 2.0501% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6382% | 726 |
| Return on assets (ROA) | 1.6382% | 764 |
| Pretax return on assets | 2.0998% | 497 |
| Return on Equity (ROE) | 11.0135% | 2,162 |
| Retained earnings to average equity (ytd only) | 5.3976% | 2,617 |
| Net charge-offs to loans | -0.0821% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4017% | 4,332 |
| Assets per employee ($millions) | 5.6858% | 3,074 |
| Cash dividends to net income (ytd only)* | 50.9911% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 911 |
| Loan loss allowance to noncurrent loans | 93.0390% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2280% | 397 |
| Noncurrent loans to loans | 1.9079% | 415 |
| Net loans and leases to total assets | 62.2511% | 1,907 |
| Net loans and leases to deposits | 73.6145% | 1,760 |
| Net loans and leases to core deposits | 77.8968% | 1,771 |
| Total domestic deposits to total assets | 84.5636% | 3,403 |
| Equity capital to assets | 14.7303% | 536 |
| Core capital (leverage) ratio | 14.5909% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,063,800 | 3,421 |
| Average earning assets | $145,769,800 | 3,416 |
| Average equity | $23,362,200 | 2,952 |
| Average total loans | $93,733,000 | 3,280 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 766 |
| Cost of funding earning assets | 0.3733% | 1,908 |
| Net interest margin | 4.0625% | 697 |
| Noninterest income to average assets | 0.4463% | 2,855 |
| Noninterest expense to average assets | 1.8220% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8935% | 564 |
| Return on assets (ROA) | 1.8935% | 587 |
| Pretax return on assets | 2.3969% | 394 |
| Return on Equity (ROE) | 12.6989% | 1,798 |
| Retained earnings to average equity (ytd only) | 12.3447% | 763 |
| Net charge-offs to loans | -0.0986% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1859% | 4,617 |
| Assets per employee ($millions) | 5.5248% | 3,171 |
| Cash dividends to net income (ytd only)* | 2.7890% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 795 |
| Loan loss allowance to noncurrent loans | 86.5403% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3032% | 434 |
| Noncurrent loans to loans | 2.1766% | 382 |
| Net loans and leases to total assets | 57.9030% | 2,507 |
| Net loans and leases to deposits | 68.8641% | 2,348 |
| Net loans and leases to core deposits | 72.7370% | 2,348 |
| Total domestic deposits to total assets | 84.0829% | 3,440 |
| Equity capital to assets | 15.2661% | 503 |
| Core capital (leverage) ratio | 15.0768% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,529,250 | 3,459 |
| Average earning assets | $145,359,250 | 3,459 |
| Average equity | $23,340,000 | 2,990 |
| Average total loans | $91,942,250 | 3,351 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 1,008 |
| Cost of funding earning assets | 0.3940% | 1,940 |
| Net interest margin | 3.9068% | 960 |
| Noninterest income to average assets | 0.4250% | 2,978 |
| Noninterest expense to average assets | 1.7708% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8068% | 703 |
| Return on assets (ROA) | 1.8068% | 738 |
| Pretax return on assets | 2.2808% | 502 |
| Return on Equity (ROE) | 12.2175% | 1,975 |
| Retained earnings to average equity (ytd only) | 11.6776% | 980 |
| Net charge-offs to loans | -0.1713% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7063% | 4,630 |
| Assets per employee ($millions) | 5.5601% | 3,050 |
| Cash dividends to net income (ytd only)* | 4.4191% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 671 |
| Loan loss allowance to noncurrent loans | 80.8300% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.3935% | 438 |
| Noncurrent loans to loans | 2.4125% | 351 |
| Net loans and leases to total assets | 55.8799% | 2,913 |
| Net loans and leases to deposits | 66.1505% | 2,810 |
| Net loans and leases to core deposits | 70.4221% | 2,740 |
| Total domestic deposits to total assets | 84.4738% | 3,289 |
| Equity capital to assets | 14.6585% | 589 |
| Core capital (leverage) ratio | 14.4571% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,299,667 | 3,478 |
| Average earning assets | $144,159,333 | 3,476 |
| Average equity | $22,967,000 | 3,012 |
| Average total loans | $91,072,333 | 3,384 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 1,942 |
| Cost of funding earning assets | 0.4222% | 1,922 |
| Net interest margin | 3.4340% | 2,005 |
| Noninterest income to average assets | 0.4096% | 3,041 |
| Noninterest expense to average assets | 1.7252% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4101% | 1,541 |
| Return on assets (ROA) | 1.4101% | 1,614 |
| Pretax return on assets | 1.8670% | 1,162 |
| Return on Equity (ROE) | 9.4908% | 2,858 |
| Retained earnings to average equity (ytd only) | 9.4908% | 1,802 |
| Net charge-offs to loans | -0.0706% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0263% | 4,338 |
| Assets per employee ($millions) | 5.6891% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 765 |
| Loan loss allowance to noncurrent loans | 73.5857% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 436 |
| Noncurrent loans to loans | 2.5461% | 360 |
| Net loans and leases to total assets | 56.8813% | 2,931 |
| Net loans and leases to deposits | 67.1601% | 2,792 |
| Net loans and leases to core deposits | 71.7201% | 2,722 |
| Total domestic deposits to total assets | 84.6951% | 3,223 |
| Equity capital to assets | 14.3093% | 610 |
| Core capital (leverage) ratio | 14.8920% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,327,500 | 3,508 |
| Average earning assets | $141,178,000 | 3,501 |
| Average equity | $22,632,500 | 3,029 |
| Average total loans | $90,661,000 | 3,401 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 2,179 |
| Cost of funding earning assets | 0.7042% | 1,702 |
| Net interest margin | 3.4812% | 2,527 |
| Noninterest income to average assets | 0.4313% | 2,953 |
| Noninterest expense to average assets | 1.9908% | 4,156 |
| Loan and lease loss provision to assets | 0.1613% | 2,358 |
| Net operating income to assets | 1.2398% | 1,415 |
| Return on assets (ROA) | 1.2398% | 1,521 |
| Pretax return on assets | 1.5069% | 1,310 |
| Return on Equity (ROE) | 7.9261% | 2,848 |
| Retained earnings to average equity (ytd only) | 4.0062% | 2,817 |
| Net charge-offs to loans | -0.0251% | 4,486 |
| Credit loss provision to net charge-offs | -1,031.8182% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4078% | 4,168 |
| Assets per employee ($millions) | 5.3837% | 2,974 |
| Cash dividends to net income (ytd only)* | 49.4556% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 686 |
| Loan loss allowance to noncurrent loans | 57.5992% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.0460% | 272 |
| Noncurrent loans to loans | 3.3422% | 228 |
| Net loans and leases to total assets | 60.0371% | 2,854 |
| Net loans and leases to deposits | 71.4847% | 2,737 |
| Net loans and leases to core deposits | 76.3183% | 2,703 |
| Total domestic deposits to total assets | 83.9860% | 3,111 |
| Equity capital to assets | 15.4589% | 492 |
| Core capital (leverage) ratio | 15.2245% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,750,400 | 3,500 |
| Average earning assets | $130,501,200 | 3,498 |
| Average equity | $22,016,000 | 3,005 |
| Average total loans | $87,621,600 | 3,440 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 2,344 |
| Cost of funding earning assets | 0.7828% | 1,576 |
| Net interest margin | 3.4363% | 2,793 |
| Noninterest income to average assets | 0.4336% | 2,918 |
| Noninterest expense to average assets | 1.7698% | 4,543 |
| Loan and lease loss provision to assets | 0.2171% | 1,849 |
| Net operating income to assets | 1.3257% | 1,295 |
| Return on assets (ROA) | 1.3257% | 1,381 |
| Pretax return on assets | 1.6294% | 1,106 |
| Return on Equity (ROE) | 8.4495% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.0720% | 1,285 |
| Net charge-offs to loans | -0.0321% | 4,553 |
| Credit loss provision to net charge-offs | -1,080.9524% | 3,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9435% | 4,555 |
| Assets per employee ($millions) | 5.1709% | 3,047 |
| Cash dividends to net income (ytd only)* | 4.4669% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 544 |
| Loan loss allowance to noncurrent loans | 55.3295% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 2.1383% | 286 |
| Noncurrent loans to loans | 3.5195% | 226 |
| Net loans and leases to total assets | 59.5739% | 3,272 |
| Net loans and leases to deposits | 71.2672% | 3,197 |
| Net loans and leases to core deposits | 76.5321% | 3,123 |
| Total domestic deposits to total assets | 83.5922% | 2,955 |
| Equity capital to assets | 15.8131% | 492 |
| Core capital (leverage) ratio | 15.6454% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,598,000 | 3,506 |
| Average earning assets | $129,282,750 | 3,505 |
| Average equity | $21,902,250 | 3,007 |
| Average total loans | $87,281,250 | 3,466 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 2,448 |
| Cost of funding earning assets | 0.8868% | 1,434 |
| Net interest margin | 3.4233% | 3,027 |
| Noninterest income to average assets | 0.4395% | 2,862 |
| Noninterest expense to average assets | 1.7451% | 4,636 |
| Loan and lease loss provision to assets | 0.3293% | 1,296 |
| Net operating income to assets | 1.2548% | 1,478 |
| Return on assets (ROA) | 1.2548% | 1,597 |
| Pretax return on assets | 1.5290% | 1,392 |
| Return on Equity (ROE) | 8.0199% | 2,741 |
| Retained earnings to average equity (ytd only) | 7.4451% | 1,482 |
| Net charge-offs to loans | -0.0368% | 4,600 |
| Credit loss provision to net charge-offs | -1,418.7500% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4300% | 4,597 |
| Assets per employee ($millions) | 5.1085% | 3,056 |
| Cash dividends to net income (ytd only)* | 7.1676% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 475 |
| Loan loss allowance to noncurrent loans | 49.8541% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.3987% | 246 |
| Noncurrent loans to loans | 3.9119% | 176 |
| Net loans and leases to total assets | 60.0334% | 3,326 |
| Net loans and leases to deposits | 71.6796% | 3,292 |
| Net loans and leases to core deposits | 76.4267% | 3,249 |
| Total domestic deposits to total assets | 83.7525% | 2,829 |
| Equity capital to assets | 15.5701% | 532 |
| Core capital (leverage) ratio | 15.4973% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,869,000 | 3,506 |
| Average earning assets | $127,420,000 | 3,506 |
| Average equity | $21,571,333 | 3,024 |
| Average total loans | $87,052,667 | 3,469 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 2,455 |
| Cost of funding earning assets | 0.9684% | 1,571 |
| Net interest margin | 3.4774% | 3,056 |
| Noninterest income to average assets | 0.4967% | 2,563 |
| Noninterest expense to average assets | 1.7681% | 4,701 |
| Loan and lease loss provision to assets | 0.2661% | 1,173 |
| Net operating income to assets | 1.3837% | 1,029 |
| Return on assets (ROA) | 1.3837% | 1,105 |
| Pretax return on assets | 1.6794% | 892 |
| Return on Equity (ROE) | 8.8212% | 2,184 |
| Retained earnings to average equity (ytd only) | 8.8212% | 1,023 |
| Net charge-offs to loans | -0.0046% | 3,844 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6115% | 4,775 |
| Assets per employee ($millions) | 5.0876% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 718 |
| Loan loss allowance to noncurrent loans | 46.6008% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 2.4562% | 285 |
| Noncurrent loans to loans | 3.8497% | 209 |
| Net loans and leases to total assets | 62.0088% | 3,296 |
| Net loans and leases to deposits | 73.8350% | 3,285 |
| Net loans and leases to core deposits | 79.0862% | 3,281 |
| Total domestic deposits to total assets | 83.9829% | 2,794 |
| Equity capital to assets | 15.4398% | 689 |
| Core capital (leverage) ratio | 15.8325% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,285,000 | 3,511 |
| Average earning assets | $125,152,000 | 3,504 |
| Average equity | $21,221,500 | 3,055 |
| Average total loans | $86,790,000 | 3,465 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 2,914 |
| Cost of funding earning assets | 1.0123% | 1,673 |
| Net interest margin | 3.4953% | 3,458 |
| Noninterest income to average assets | 0.5509% | 2,475 |
| Noninterest expense to average assets | 2.2351% | 4,089 |
| Loan and lease loss provision to assets | 0.5329% | 237 |
| Net operating income to assets | 0.8473% | 3,396 |
| Return on assets (ROA) | 0.8473% | 3,484 |
| Pretax return on assets | 1.0095% | 3,441 |
| Return on Equity (ROE) | 5.3479% | 4,121 |
| Retained earnings to average equity (ytd only) | 1.4968% | 4,207 |
| Net charge-offs to loans | 0.3498% | 574 |
| Credit loss provision to net charge-offs | 232.0261% | 1,156 |
| Earnings coverage of net charge-offs (x) | 6.7157% | 2,943 |
| Efficiency ratio | 59.1695% | 3,816 |
| Assets per employee ($millions) | 4.7573% | 2,883 |
| Cash dividends to net income (ytd only)* | 72.0106% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 827 |
| Loan loss allowance to noncurrent loans | 45.3560% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.4286% | 273 |
| Noncurrent loans to loans | 3.7193% | 210 |
| Net loans and leases to total assets | 64.0972% | 3,186 |
| Net loans and leases to deposits | 76.8296% | 3,104 |
| Net loans and leases to core deposits | 82.8626% | 3,053 |
| Total domestic deposits to total assets | 83.4277% | 3,055 |
| Equity capital to assets | 15.9410% | 618 |
| Core capital (leverage) ratio | 15.7037% | 560 |
| Tier 1 risk-based capital ratio | 26.0482% | 674 |
| Total risk-based capital ratio | 27.3043% | 656 |
| Memoranda: | ||
| Average total assets | $133,240,200 | 3,520 |
| Average earning assets | $122,992,400 | 3,519 |
| Average equity | $21,111,200 | 3,028 |
| Average total loans | $87,486,400 | 3,460 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 3,069 |
| Cost of funding earning assets | 1.0131% | 1,709 |
| Net interest margin | 3.4836% | 3,613 |
| Noninterest income to average assets | 0.5363% | 2,530 |
| Noninterest expense to average assets | 2.0142% | 4,522 |
| Loan and lease loss provision to assets | 0.6104% | 186 |
| Net operating income to assets | 0.9696% | 3,083 |
| Return on assets (ROA) | 0.9696% | 3,164 |
| Pretax return on assets | 1.1287% | 3,211 |
| Return on Equity (ROE) | 6.1287% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.7303% | 2,489 |
| Net charge-offs to loans | 0.2723% | 648 |
| Credit loss provision to net charge-offs | 340.7821% | 875 |
| Earnings coverage of net charge-offs (x) | 9.7095% | 2,555 |
| Efficiency ratio | 53.6657% | 4,426 |
| Assets per employee ($millions) | 4.8177% | 2,771 |
| Cash dividends to net income (ytd only)* | 6.5017% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 766 |
| Loan loss allowance to noncurrent loans | 48.5677% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.2810% | 331 |
| Noncurrent loans to loans | 3.5686% | 219 |
| Net loans and leases to total assets | 62.7095% | 3,419 |
| Net loans and leases to deposits | 75.3677% | 3,357 |
| Net loans and leases to core deposits | 81.1886% | 3,298 |
| Total domestic deposits to total assets | 83.2047% | 3,095 |
| Equity capital to assets | 16.1793% | 605 |
| Core capital (leverage) ratio | 16.0583% | 550 |
| Tier 1 risk-based capital ratio | 27.1162% | 630 |
| Total risk-based capital ratio | 28.3735% | 616 |
| Memoranda: | ||
| Average total assets | $133,249,250 | 3,556 |
| Average earning assets | $123,050,250 | 3,558 |
| Average equity | $21,080,500 | 3,055 |
| Average total loans | $87,646,750 | 3,497 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 3,201 |
| Cost of funding earning assets | 1.0170% | 1,616 |
| Net interest margin | 3.4264% | 3,811 |
| Noninterest income to average assets | 0.5501% | 2,384 |
| Noninterest expense to average assets | 1.9563% | 4,674 |
| Loan and lease loss provision to assets | 0.9043% | 107 |
| Net operating income to assets | 0.6134% | 4,272 |
| Return on assets (ROA) | 0.6134% | 4,308 |
| Pretax return on assets | 0.8530% | 3,964 |
| Return on Equity (ROE) | 3.9074% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.3026% | 3,576 |
| Net charge-offs to loans | 0.2609% | 639 |
| Credit loss provision to net charge-offs | 521.7391% | 580 |
| Earnings coverage of net charge-offs (x) | 10.1391% | 2,289 |
| Efficiency ratio | 52.6786% | 4,597 |
| Assets per employee ($millions) | 4.9406% | 2,549 |
| Cash dividends to net income (ytd only)* | 15.4791% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 743 |
| Loan loss allowance to noncurrent loans | 54.3601% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.1950% | 385 |
| Noncurrent loans to loans | 3.2286% | 289 |
| Net loans and leases to total assets | 64.8760% | 3,252 |
| Net loans and leases to deposits | 77.6712% | 3,174 |
| Net loans and leases to core deposits | 83.6907% | 3,135 |
| Total domestic deposits to total assets | 83.5265% | 3,042 |
| Equity capital to assets | 15.8963% | 630 |
| Core capital (leverage) ratio | 15.8784% | 563 |
| Tier 1 risk-based capital ratio | 25.9735% | 694 |
| Total risk-based capital ratio | 27.2307% | 675 |
| Memoranda: | ||
| Average total assets | $132,700,670 | 3,586 |
| Average earning assets | $122,518,330 | 3,591 |
| Average equity | $20,832,330 | 3,068 |
| Average total loans | $88,167,670 | 3,496 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 3,029 |
| Cost of funding earning assets | 0.9882% | 1,615 |
| Net interest margin | 3.4684% | 3,684 |
| Noninterest income to average assets | 0.5259% | 2,405 |
| Noninterest expense to average assets | 1.8012% | 4,922 |
| Loan and lease loss provision to assets | 1.8133% | 41 |
| Net operating income to assets | -0.3657% | 5,236 |
| Return on assets (ROA) | -0.3657% | 5,232 |
| Pretax return on assets | 0.1148% | 5,094 |
| Return on Equity (ROE) | -2.3443% | 5,226 |
| Retained earnings to average equity (ytd only) | -2.3443% | 4,771 |
| Net charge-offs to loans | -0.0408% | 4,770 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2982% | 4,930 |
| Assets per employee ($millions) | 4.9258% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 590 |
| Loan loss allowance to noncurrent loans | 201.9347% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 2,089 |
| Noncurrent loans to loans | 0.9396% | 1,785 |
| Net loans and leases to total assets | 64.9215% | 3,175 |
| Net loans and leases to deposits | 77.4474% | 3,119 |
| Net loans and leases to core deposits | 82.7072% | 3,134 |
| Total domestic deposits to total assets | 83.8266% | 3,110 |
| Equity capital to assets | 15.5358% | 644 |
| Core capital (leverage) ratio | 15.6866% | 574 |
| Tier 1 risk-based capital ratio | 25.7337% | 703 |
| Total risk-based capital ratio | 26.9935% | 688 |
| Memoranda: | ||
| Average total assets | $132,353,000 | 3,629 |
| Average earning assets | $122,245,500 | 3,627 |
| Average equity | $20,646,000 | 3,099 |
| Average total loans | $88,207,500 | 3,530 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 2,862 |
| Cost of funding earning assets | 0.6942% | 2,122 |
| Net interest margin | 3.6753% | 3,136 |
| Noninterest income to average assets | 0.5919% | 2,340 |
| Noninterest expense to average assets | 2.1440% | 4,461 |
| Loan and lease loss provision to assets | 0.0617% | 2,922 |
| Net operating income to assets | 1.3043% | 1,780 |
| Return on assets (ROA) | 1.3043% | 1,768 |
| Pretax return on assets | 1.7897% | 949 |
| Return on Equity (ROE) | 8.2234% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.5375% | 3,641 |
| Net charge-offs to loans | 0.0739% | 2,062 |
| Credit loss provision to net charge-offs | 125.0000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 37.4844% | 1,379 |
| Efficiency ratio | 53.6604% | 4,646 |
| Assets per employee ($millions) | 5.0658% | 2,413 |
| Cash dividends to net income (ytd only)* | 56.9822% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,570 |
| Loan loss allowance to noncurrent loans | 158.3582% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 2,379 |
| Noncurrent loans to loans | 0.7579% | 2,106 |
| Net loans and leases to total assets | 66.3131% | 3,086 |
| Net loans and leases to deposits | 82.4003% | 2,681 |
| Net loans and leases to core deposits | 87.7790% | 2,771 |
| Total domestic deposits to total assets | 80.4768% | 4,001 |
| Equity capital to assets | 15.6632% | 591 |
| Core capital (leverage) ratio | 15.9469% | 517 |
| Tier 1 risk-based capital ratio | 25.2242% | 726 |
| Total risk-based capital ratio | 26.4749% | 713 |
| Memoranda: | ||
| Average total assets | $129,572,000 | 3,650 |
| Average earning assets | $119,988,800 | 3,645 |
| Average equity | $20,551,200 | 3,040 |
| Average total loans | $86,563,400 | 3,543 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3190% | 2,896 |
| Cost of funding earning assets | 0.6476% | 2,165 |
| Net interest margin | 3.6714% | 3,116 |
| Noninterest income to average assets | 0.5941% | 2,341 |
| Noninterest expense to average assets | 2.0087% | 4,724 |
| Loan and lease loss provision to assets | 0.0723% | 2,514 |
| Net operating income to assets | 1.4311% | 1,387 |
| Return on assets (ROA) | 1.4311% | 1,383 |
| Pretax return on assets | 1.9167% | 793 |
| Return on Equity (ROE) | 8.9941% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.5915% | 1,378 |
| Net charge-offs to loans | 0.0743% | 1,788 |
| Credit loss provision to net charge-offs | 145.8333% | 1,748 |
| Earnings coverage of net charge-offs (x) | 40.1031% | 1,354 |
| Efficiency ratio | 50.2455% | 4,931 |
| Assets per employee ($millions) | 5.0304% | 2,432 |
| Cash dividends to net income (ytd only)* | 4.4763% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,551 |
| Loan loss allowance to noncurrent loans | 151.7781% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 2,413 |
| Noncurrent loans to loans | 0.7990% | 2,112 |
| Net loans and leases to total assets | 66.4531% | 3,131 |
| Net loans and leases to deposits | 81.4938% | 2,874 |
| Net loans and leases to core deposits | 85.7030% | 3,021 |
| Total domestic deposits to total assets | 81.5437% | 3,727 |
| Equity capital to assets | 16.1457% | 517 |
| Core capital (leverage) ratio | 16.4605% | 459 |
| Tier 1 risk-based capital ratio | 26.2372% | 664 |
| Total risk-based capital ratio | 27.4884% | 654 |
| Memoranda: | ||
| Average total assets | $129,037,500 | 3,692 |
| Average earning assets | $119,623,250 | 3,687 |
| Average equity | $20,531,500 | 3,062 |
| Average total loans | $86,103,750 | 3,575 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,867 |
| Cost of funding earning assets | 0.6266% | 2,061 |
| Net interest margin | 3.6438% | 3,139 |
| Noninterest income to average assets | 0.5823% | 2,419 |
| Noninterest expense to average assets | 1.9307% | 4,919 |
| Loan and lease loss provision to assets | 0.1090% | 1,800 |
| Net operating income to assets | 1.4355% | 1,326 |
| Return on assets (ROA) | 1.4355% | 1,326 |
| Pretax return on assets | 1.9198% | 738 |
| Return on Equity (ROE) | 9.0675% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.4578% | 1,425 |
| Net charge-offs to loans | 0.1006% | 1,347 |
| Credit loss provision to net charge-offs | 162.7907% | 1,499 |
| Earnings coverage of net charge-offs (x) | 30.3023% | 1,497 |
| Efficiency ratio | 48.7613% | 5,081 |
| Assets per employee ($millions) | 4.7665% | 2,722 |
| Cash dividends to net income (ytd only)* | 6.7245% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,471 |
| Loan loss allowance to noncurrent loans | 111.3188% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 1,875 |
| Noncurrent loans to loans | 1.1166% | 1,575 |
| Net loans and leases to total assets | 66.1790% | 3,121 |
| Net loans and leases to deposits | 79.2594% | 3,025 |
| Net loans and leases to core deposits | 83.0180% | 3,161 |
| Total domestic deposits to total assets | 83.4966% | 3,251 |
| Equity capital to assets | 16.0946% | 488 |
| Core capital (leverage) ratio | 16.0889% | 480 |
| Tier 1 risk-based capital ratio | 26.2183% | 658 |
| Total risk-based capital ratio | 27.4688% | 639 |
| Memoranda: | ||
| Average total assets | $128,453,330 | 3,726 |
| Average earning assets | $119,051,000 | 3,729 |
| Average equity | $20,336,330 | 3,099 |
| Average total loans | $85,478,000 | 3,615 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 2,988 |
| Cost of funding earning assets | 0.6053% | 2,027 |
| Net interest margin | 3.5647% | 3,297 |
| Noninterest income to average assets | 0.5766% | 2,386 |
| Noninterest expense to average assets | 1.9044% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5055% | 1,068 |
| Return on assets (ROA) | 1.5055% | 1,068 |
| Pretax return on assets | 1.9761% | 598 |
| Return on Equity (ROE) | 9.5890% | 2,643 |
| Retained earnings to average equity (ytd only) | 9.5890% | 1,288 |
| Net charge-offs to loans | -0.0893% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0763% | 5,133 |
| Assets per employee ($millions) | 5.0616% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,594 |
| Loan loss allowance to noncurrent loans | 96.4642% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 1,786 |
| Noncurrent loans to loans | 1.2822% | 1,401 |
| Net loans and leases to total assets | 64.5606% | 3,233 |
| Net loans and leases to deposits | 76.7043% | 3,141 |
| Net loans and leases to core deposits | 80.6192% | 3,275 |
| Total domestic deposits to total assets | 84.1682% | 3,261 |
| Equity capital to assets | 15.4397% | 579 |
| Core capital (leverage) ratio | 15.9956% | 488 |
| Tier 1 risk-based capital ratio | 25.5996% | 715 |
| Total risk-based capital ratio | 26.8504% | 696 |
| Memoranda: | ||
| Average total assets | $128,332,500 | 3,768 |
| Average earning assets | $118,945,500 | 3,765 |
| Average equity | $20,148,000 | 3,144 |
| Average total loans | $85,096,500 | 3,651 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,075 |
| Cost of funding earning assets | 0.5438% | 1,996 |
| Net interest margin | 3.5517% | 3,336 |
| Noninterest income to average assets | 0.4922% | 3,046 |
| Noninterest expense to average assets | 2.1037% | 4,754 |
| Loan and lease loss provision to assets | 0.0594% | 3,046 |
| Net operating income to assets | 1.2762% | 1,286 |
| Return on assets (ROA) | 1.2762% | 1,307 |
| Pretax return on assets | 1.6115% | 1,258 |
| Return on Equity (ROE) | 8.1002% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.0149% | 2,790 |
| Net charge-offs to loans | 0.0049% | 3,911 |
| Credit loss provision to net charge-offs | 1,875.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 527.0000% | 166 |
| Efficiency ratio | 55.7329% | 4,789 |
| Assets per employee ($millions) | 4.8101% | 2,724 |
| Cash dividends to net income (ytd only)* | 50.4348% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,521 |
| Loan loss allowance to noncurrent loans | 81.1966% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 1,364 |
| Noncurrent loans to loans | 1.5291% | 1,105 |
| Net loans and leases to total assets | 66.4633% | 3,037 |
| Net loans and leases to deposits | 79.4610% | 2,976 |
| Net loans and leases to core deposits | 83.8065% | 3,070 |
| Total domestic deposits to total assets | 83.6426% | 3,334 |
| Equity capital to assets | 15.9735% | 521 |
| Core capital (leverage) ratio | 14.6319% | 700 |
| Tier 1 risk-based capital ratio | 25.7834% | 676 |
| Total risk-based capital ratio | 27.0349% | 665 |
| Memoranda: | ||
| Average total assets | $126,157,400 | 3,804 |
| Average earning assets | $116,591,600 | 3,809 |
| Average equity | $19,876,000 | 3,160 |
| Average total loans | $82,428,200 | 3,692 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,182 |
| Cost of funding earning assets | 0.5365% | 1,980 |
| Net interest margin | 3.5115% | 3,463 |
| Noninterest income to average assets | 0.4830% | 3,131 |
| Noninterest expense to average assets | 1.8908% | 5,146 |
| Loan and lease loss provision to assets | 0.0791% | 2,504 |
| Net operating income to assets | 1.4532% | 987 |
| Return on assets (ROA) | 1.4532% | 1,002 |
| Pretax return on assets | 1.7569% | 986 |
| Return on Equity (ROE) | 9.2555% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.8324% | 901 |
| Net charge-offs to loans | 0.0146% | 3,226 |
| Credit loss provision to net charge-offs | 833.3333% | 420 |
| Earnings coverage of net charge-offs (x) | 193.4400% | 450 |
| Efficiency ratio | 50.7357% | 5,194 |
| Assets per employee ($millions) | 4.8451% | 2,636 |
| Cash dividends to net income (ytd only)* | 4.5720% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,674 |
| Loan loss allowance to noncurrent loans | 79.5107% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 1,473 |
| Noncurrent loans to loans | 1.5646% | 1,187 |
| Net loans and leases to total assets | 65.5386% | 3,172 |
| Net loans and leases to deposits | 78.7082% | 3,099 |
| Net loans and leases to core deposits | 83.2008% | 3,200 |
| Total domestic deposits to total assets | 83.2678% | 3,370 |
| Equity capital to assets | 16.3638% | 497 |
| Core capital (leverage) ratio | 16.4015% | 442 |
| Tier 1 risk-based capital ratio | 26.3195% | 657 |
| Total risk-based capital ratio | 27.5699% | 647 |
| Memoranda: | ||
| Average total assets | $126,431,000 | 3,841 |
| Average earning assets | $116,794,000 | 3,844 |
| Average equity | $19,850,750 | 3,182 |
| Average total loans | $81,993,750 | 3,731 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,075 |
| Cost of funding earning assets | 0.5308% | 1,906 |
| Net interest margin | 3.5017% | 3,394 |
| Noninterest income to average assets | 0.4756% | 3,176 |
| Noninterest expense to average assets | 1.9323% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3193% | 1,253 |
| Return on assets (ROA) | 1.3193% | 1,278 |
| Pretax return on assets | 1.7743% | 888 |
| Return on Equity (ROE) | 8.5220% | 2,766 |
| Retained earnings to average equity (ytd only) | 7.8790% | 1,217 |
| Net charge-offs to loans | 0.0172% | 2,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 160.4286% | 476 |
| Efficiency ratio | 52.1313% | 5,165 |
| Assets per employee ($millions) | 4.6885% | 2,809 |
| Cash dividends to net income (ytd only)* | 7.5449% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,161 |
| Loan loss allowance to noncurrent loans | 100.4154% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 2,002 |
| Noncurrent loans to loans | 1.1713% | 1,673 |
| Net loans and leases to total assets | 64.1857% | 3,362 |
| Net loans and leases to deposits | 76.7194% | 3,255 |
| Net loans and leases to core deposits | 81.4532% | 3,298 |
| Total domestic deposits to total assets | 83.6629% | 3,336 |
| Equity capital to assets | 15.8647% | 547 |
| Core capital (leverage) ratio | 15.7853% | 502 |
| Tier 1 risk-based capital ratio | 25.8044% | 687 |
| Total risk-based capital ratio | 27.0495% | 672 |
| Memoranda: | ||
| Average total assets | $126,583,670 | 3,859 |
| Average earning assets | $116,800,330 | 3,861 |
| Average equity | $19,596,330 | 3,202 |
| Average total loans | $81,458,000 | 3,754 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 3,087 |
| Cost of funding earning assets | 0.5279% | 1,873 |
| Net interest margin | 3.4588% | 3,425 |
| Noninterest income to average assets | 0.4645% | 3,225 |
| Noninterest expense to average assets | 1.8455% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2861% | 1,274 |
| Return on assets (ROA) | 1.2861% | 1,308 |
| Pretax return on assets | 1.8075% | 783 |
| Return on Equity (ROE) | 8.4121% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.4121% | 1,305 |
| Net charge-offs to loans | 0.0099% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 208 |
| Efficiency ratio | 50.5190% | 5,345 |
| Assets per employee ($millions) | 4.7636% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,195 |
| Loan loss allowance to noncurrent loans | 118.1045% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8801% | 2,099 |
| Noncurrent loans to loans | 1.0078% | 2,037 |
| Net loans and leases to total assets | 62.7405% | 3,436 |
| Net loans and leases to deposits | 74.4268% | 3,359 |
| Net loans and leases to core deposits | 78.8962% | 3,398 |
| Total domestic deposits to total assets | 84.2983% | 3,363 |
| Equity capital to assets | 15.2274% | 611 |
| Core capital (leverage) ratio | 15.7418% | 500 |
| Tier 1 risk-based capital ratio | 25.2415% | 754 |
| Total risk-based capital ratio | 26.4884% | 736 |
| Memoranda: | ||
| Average total assets | $126,581,000 | 3,894 |
| Average earning assets | $116,687,500 | 3,904 |
| Average equity | $19,353,000 | 3,247 |
| Average total loans | $81,077,500 | 3,794 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 2,885 |
| Cost of funding earning assets | 0.5483% | 1,708 |
| Net interest margin | 3.5435% | 3,275 |
| Noninterest income to average assets | 0.5799% | 2,762 |
| Noninterest expense to average assets | 2.1736% | 4,838 |
| Loan and lease loss provision to assets | 0.1214% | 2,033 |
| Net operating income to assets | 1.1114% | 1,855 |
| Return on assets (ROA) | 1.1114% | 1,949 |
| Pretax return on assets | 1.5609% | 1,398 |
| Return on Equity (ROE) | 7.0692% | 3,432 |
| Retained earnings to average equity (ytd only) | 3.3494% | 3,536 |
| Net charge-offs to loans | 0.0857% | 2,470 |
| Credit loss provision to net charge-offs | 217.6471% | 1,312 |
| Earnings coverage of net charge-offs (x) | 30.1618% | 1,428 |
| Efficiency ratio | 56.3710% | 5,029 |
| Assets per employee ($millions) | 4.9818% | 2,417 |
| Cash dividends to net income (ytd only)* | 52.6199% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 3,061 |
| Loan loss allowance to noncurrent loans | 120.0986% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 2,089 |
| Noncurrent loans to loans | 1.0076% | 2,078 |
| Net loans and leases to total assets | 63.8436% | 3,378 |
| Net loans and leases to deposits | 75.7269% | 3,347 |
| Net loans and leases to core deposits | 80.5034% | 3,350 |
| Total domestic deposits to total assets | 84.3077% | 3,316 |
| Equity capital to assets | 15.3527% | 589 |
| Core capital (leverage) ratio | 15.5620% | 522 |
| Tier 1 risk-based capital ratio | 25.0983% | 766 |
| Total risk-based capital ratio | 26.3474% | 747 |
| Memoranda: | ||
| Average total assets | $121,919,200 | 3,959 |
| Average earning assets | $112,713,000 | 3,953 |
| Average equity | $19,167,600 | 3,253 |
| Average total loans | $79,307,400 | 3,814 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 2,974 |
| Cost of funding earning assets | 0.5494% | 1,695 |
| Net interest margin | 3.5243% | 3,376 |
| Noninterest income to average assets | 0.5948% | 2,687 |
| Noninterest expense to average assets | 2.1232% | 4,964 |
| Loan and lease loss provision to assets | 0.1627% | 1,416 |
| Net operating income to assets | 1.1226% | 1,904 |
| Return on assets (ROA) | 1.1226% | 2,017 |
| Pretax return on assets | 1.5745% | 1,449 |
| Return on Equity (ROE) | 7.0978% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.6667% | 1,806 |
| Net charge-offs to loans | 0.0928% | 2,023 |
| Credit loss provision to net charge-offs | 269.0909% | 1,140 |
| Earnings coverage of net charge-offs (x) | 28.7278% | 1,533 |
| Efficiency ratio | 54.9986% | 5,159 |
| Assets per employee ($millions) | 4.9453% | 2,425 |
| Cash dividends to net income (ytd only)* | 6.0721% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 3,051 |
| Loan loss allowance to noncurrent loans | 127.3548% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8865% | 2,342 |
| Noncurrent loans to loans | 0.9674% | 2,303 |
| Net loans and leases to total assets | 63.9980% | 3,404 |
| Net loans and leases to deposits | 76.4006% | 3,365 |
| Net loans and leases to core deposits | 81.2516% | 3,336 |
| Total domestic deposits to total assets | 83.7663% | 3,285 |
| Equity capital to assets | 15.8915% | 569 |
| Core capital (leverage) ratio | 15.9234% | 487 |
| Tier 1 risk-based capital ratio | 25.7148% | 739 |
| Total risk-based capital ratio | 26.9660% | 724 |
| Memoranda: | ||
| Average total assets | $121,262,750 | 3,991 |
| Average earning assets | $112,359,000 | 3,988 |
| Average equity | $19,179,250 | 3,272 |
| Average total loans | $79,012,250 | 3,849 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 2,841 |
| Cost of funding earning assets | 0.5503% | 1,698 |
| Net interest margin | 3.5529% | 3,284 |
| Noninterest income to average assets | 0.6126% | 2,554 |
| Noninterest expense to average assets | 2.0851% | 5,091 |
| Loan and lease loss provision to assets | 0.1494% | 1,538 |
| Net operating income to assets | 1.1936% | 1,629 |
| Return on assets (ROA) | 1.1936% | 1,720 |
| Pretax return on assets | 1.6684% | 1,173 |
| Return on Equity (ROE) | 7.5591% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.9073% | 1,652 |
| Net charge-offs to loans | -0.0458% | 5,326 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4241% | 5,358 |
| Assets per employee ($millions) | 4.6918% | 2,732 |
| Cash dividends to net income (ytd only)* | 8.6231% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,947 |
| Loan loss allowance to noncurrent loans | 173.0570% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 2,767 |
| Noncurrent loans to loans | 0.7347% | 2,902 |
| Net loans and leases to total assets | 63.7792% | 3,398 |
| Net loans and leases to deposits | 76.1349% | 3,369 |
| Net loans and leases to core deposits | 79.2784% | 3,523 |
| Total domestic deposits to total assets | 83.7714% | 3,359 |
| Equity capital to assets | 15.8811% | 569 |
| Core capital (leverage) ratio | 15.6903% | 498 |
| Tier 1 risk-based capital ratio | 25.8294% | 736 |
| Total risk-based capital ratio | 27.0803% | 716 |
| Memoranda: | ||
| Average total assets | $120,473,000 | 4,032 |
| Average earning assets | $111,571,670 | 4,029 |
| Average equity | $19,023,330 | 3,298 |
| Average total loans | $78,646,670 | 3,878 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 2,922 |
| Cost of funding earning assets | 0.5498% | 1,715 |
| Net interest margin | 3.5321% | 3,353 |
| Noninterest income to average assets | 0.6983% | 2,049 |
| Noninterest expense to average assets | 2.0682% | 5,183 |
| Loan and lease loss provision to assets | 0.3007% | 521 |
| Net operating income to assets | 1.1160% | 1,846 |
| Return on assets (ROA) | 1.1160% | 1,946 |
| Pretax return on assets | 1.6138% | 1,259 |
| Return on Equity (ROE) | 7.0881% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.0881% | 1,845 |
| Net charge-offs to loans | -0.0967% | 5,619 |
| Credit loss provision to net charge-offs | -473.6842% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9295% | 5,518 |
| Assets per employee ($millions) | 4.6837% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 3,097 |
| Loan loss allowance to noncurrent loans | 178.7879% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 2,991 |
| Noncurrent loans to loans | 0.7064% | 3,080 |
| Net loans and leases to total assets | 64.3961% | 3,187 |
| Net loans and leases to deposits | 76.7189% | 3,138 |
| Net loans and leases to core deposits | 79.8743% | 3,334 |
| Total domestic deposits to total assets | 83.9377% | 3,546 |
| Equity capital to assets | 15.6172% | 579 |
| Core capital (leverage) ratio | 15.7603% | 504 |
| Tier 1 risk-based capital ratio | 22.7272% | 1,052 |
| Total risk-based capital ratio | 23.9294% | 1,032 |
| Memoranda: | ||
| Average total assets | $119,715,500 | 4,078 |
| Average earning assets | $111,322,500 | 4,065 |
| Average equity | $18,848,500 | 3,321 |
| Average total loans | $78,567,500 | 3,896 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 2,930 |
| Cost of funding earning assets | 0.5420% | 1,829 |
| Net interest margin | 3.5558% | 3,300 |
| Noninterest income to average assets | 0.5747% | 2,862 |
| Noninterest expense to average assets | 2.0085% | 5,436 |
| Loan and lease loss provision to assets | 0.0451% | 3,425 |
| Net operating income to assets | 1.3107% | 1,242 |
| Return on assets (ROA) | 1.3107% | 1,293 |
| Pretax return on assets | 1.8707% | 693 |
| Return on Equity (ROE) | 8.1759% | 2,856 |
| Retained earnings to average equity (ytd only) | 4.3205% | 2,903 |
| Net charge-offs to loans | 0.0856% | 2,604 |
| Credit loss provision to net charge-offs | 80.0000% | 2,948 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,328 |
| Efficiency ratio | 51.1818% | 5,688 |
| Assets per employee ($millions) | 4.7062% | 2,722 |
| Cash dividends to net income (ytd only)* | 47.1561% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,750 |
| Loan loss allowance to noncurrent loans | 159.9284% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 2,619 |
| Noncurrent loans to loans | 0.7193% | 3,029 |
| Net loans and leases to total assets | 65.2917% | 3,083 |
| Net loans and leases to deposits | 77.9271% | 3,060 |
| Net loans and leases to core deposits | 81.2126% | 3,226 |
| Total domestic deposits to total assets | 83.7856% | 3,570 |
| Equity capital to assets | 15.8761% | 533 |
| Core capital (leverage) ratio | 16.1707% | 450 |
| Tier 1 risk-based capital ratio | 22.0080% | 1,145 |
| Total risk-based capital ratio | 23.0642% | 1,152 |
| Memoranda: | ||
| Average total assets | $115,360,600 | 4,152 |
| Average earning assets | $108,668,800 | 4,086 |
| Average equity | $18,493,400 | 3,316 |
| Average total loans | $75,892,800 | 3,948 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 3,033 |
| Cost of funding earning assets | 0.5398% | 1,886 |
| Net interest margin | 3.5390% | 3,390 |
| Noninterest income to average assets | 0.5668% | 2,937 |
| Noninterest expense to average assets | 1.8550% | 5,705 |
| Loan and lease loss provision to assets | 0.0465% | 3,272 |
| Net operating income to assets | 1.3973% | 1,114 |
| Return on assets (ROA) | 1.3973% | 1,162 |
| Pretax return on assets | 2.0083% | 594 |
| Return on Equity (ROE) | 8.6950% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.2396% | 1,143 |
| Net charge-offs to loans | 0.1060% | 2,072 |
| Credit loss provision to net charge-offs | 66.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 29.4826% | 1,515 |
| Efficiency ratio | 47.4450% | 5,899 |
| Assets per employee ($millions) | 4.7195% | 2,668 |
| Cash dividends to net income (ytd only)* | 5.2370% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,826 |
| Loan loss allowance to noncurrent loans | 199.3258% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 2,764 |
| Noncurrent loans to loans | 0.5859% | 3,571 |
| Net loans and leases to total assets | 66.2670% | 2,967 |
| Net loans and leases to deposits | 79.9906% | 2,887 |
| Net loans and leases to core deposits | 83.4343% | 3,109 |
| Total domestic deposits to total assets | 82.8435% | 3,867 |
| Equity capital to assets | 16.8034% | 455 |
| Core capital (leverage) ratio | 16.6070% | 416 |
| Tier 1 risk-based capital ratio | 22.9263% | 1,059 |
| Total risk-based capital ratio | 23.9984% | 1,071 |
| Memoranda: | ||
| Average total assets | $114,787,000 | 4,202 |
| Average earning assets | $108,428,000 | 4,135 |
| Average equity | $18,447,000 | 3,348 |
| Average total loans | $75,437,750 | 3,995 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,218 |
| Cost of funding earning assets | 0.5356% | 1,938 |
| Net interest margin | 3.4806% | 3,577 |
| Noninterest income to average assets | 0.5811% | 2,845 |
| Noninterest expense to average assets | 1.8665% | 5,759 |
| Loan and lease loss provision to assets | 0.0694% | 2,725 |
| Net operating income to assets | 1.3427% | 1,212 |
| Return on assets (ROA) | 1.3427% | 1,256 |
| Pretax return on assets | 1.9481% | 664 |
| Return on Equity (ROE) | 8.4814% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.7911% | 1,349 |
| Net charge-offs to loans | 0.0957% | 2,059 |
| Credit loss provision to net charge-offs | 111.1111% | 1,911 |
| Earnings coverage of net charge-offs (x) | 32.3056% | 1,300 |
| Efficiency ratio | 48.0572% | 5,956 |
| Assets per employee ($millions) | 4.6301% | 2,780 |
| Cash dividends to net income (ytd only)* | 8.1395% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 3,776 |
| Loan loss allowance to noncurrent loans | 181.1133% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 3,311 |
| Noncurrent loans to loans | 0.6637% | 3,485 |
| Net loans and leases to total assets | 64.6860% | 3,168 |
| Net loans and leases to deposits | 77.3209% | 3,112 |
| Net loans and leases to core deposits | 80.5395% | 3,329 |
| Total domestic deposits to total assets | 83.6592% | 3,710 |
| Equity capital to assets | 16.0419% | 527 |
| Core capital (leverage) ratio | 15.8490% | 486 |
| Tier 1 risk-based capital ratio | 23.0540% | 1,074 |
| Total risk-based capital ratio | 24.1868% | 1,066 |
| Memoranda: | ||
| Average total assets | $115,293,000 | 4,231 |
| Average earning assets | $109,407,670 | 4,165 |
| Average equity | $18,251,670 | 3,389 |
| Average total loans | $75,268,000 | 4,023 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 3,338 |
| Cost of funding earning assets | 0.5315% | 1,997 |
| Net interest margin | 3.4385% | 3,677 |
| Noninterest income to average assets | 0.5180% | 3,165 |
| Noninterest expense to average assets | 1.8251% | 5,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3732% | 1,079 |
| Return on assets (ROA) | 1.3732% | 1,141 |
| Pretax return on assets | 1.9537% | 644 |
| Return on Equity (ROE) | 8.7327% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.7327% | 1,295 |
| Net charge-offs to loans | 0.1493% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.0714% | 1,424 |
| Efficiency ratio | 48.2981% | 6,007 |
| Assets per employee ($millions) | 4.6820% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 4,174 |
| Loan loss allowance to noncurrent loans | 199.3197% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,529 |
| Noncurrent loans to loans | 0.5844% | 3,826 |
| Net loans and leases to total assets | 63.7169% | 3,128 |
| Net loans and leases to deposits | 75.8682% | 3,075 |
| Net loans and leases to core deposits | 78.9674% | 3,282 |
| Total domestic deposits to total assets | 83.9836% | 3,824 |
| Equity capital to assets | 15.6387% | 602 |
| Core capital (leverage) ratio | 15.5729% | 521 |
| Tier 1 risk-based capital ratio | 22.8062% | 1,134 |
| Total risk-based capital ratio | 23.9062% | 1,135 |
| Memoranda: | ||
| Average total assets | $115,063,000 | 4,270 |
| Average earning assets | $109,117,500 | 4,194 |
| Average equity | $18,093,000 | 3,433 |
| Average total loans | $75,008,500 | 4,049 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 3,043 |
| Cost of funding earning assets | 0.5571% | 2,154 |
| Net interest margin | 3.6134% | 3,363 |
| Noninterest income to average assets | 0.5595% | 3,125 |
| Noninterest expense to average assets | 2.0757% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3320% | 1,228 |
| Return on assets (ROA) | 1.3320% | 1,281 |
| Pretax return on assets | 1.9078% | 630 |
| Return on Equity (ROE) | 8.3438% | 2,941 |
| Retained earnings to average equity (ytd only) | 4.3132% | 3,123 |
| Net charge-offs to loans | 0.0083% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 352.3333% | 154 |
| Efficiency ratio | 52.1069% | 5,974 |
| Assets per employee ($millions) | 4.5231% | 3,001 |
| Cash dividends to net income (ytd only)* | 48.3062% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 3,900 |
| Loan loss allowance to noncurrent loans | 159.4025% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 3,143 |
| Noncurrent loans to loans | 0.7632% | 3,412 |
| Net loans and leases to total assets | 65.1335% | 3,031 |
| Net loans and leases to deposits | 77.6361% | 3,013 |
| Net loans and leases to core deposits | 80.6471% | 3,222 |
| Total domestic deposits to total assets | 83.8959% | 3,768 |
| Equity capital to assets | 15.8131% | 562 |
| Core capital (leverage) ratio | 15.8515% | 483 |
| Tier 1 risk-based capital ratio | 15.7844% | 3,070 |
| Total risk-based capital ratio | 16.5874% | 3,251 |
| Memoranda: | ||
| Average total assets | $110,808,200 | 4,369 |
| Average earning assets | $104,999,400 | 4,290 |
| Average equity | $17,689,800 | 3,430 |
| Average total loans | $72,081,200 | 4,122 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,096 |
| Cost of funding earning assets | 0.5609% | 2,187 |
| Net interest margin | 3.6069% | 3,401 |
| Noninterest income to average assets | 0.5648% | 3,100 |
| Noninterest expense to average assets | 1.9230% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4223% | 1,086 |
| Return on assets (ROA) | 1.4223% | 1,124 |
| Pretax return on assets | 2.0560% | 504 |
| Return on Equity (ROE) | 8.8877% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.4115% | 1,186 |
| Net charge-offs to loans | 0.0858% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 36.9576% | 1,193 |
| Efficiency ratio | 48.3283% | 6,185 |
| Assets per employee ($millions) | 4.5476% | 2,885 |
| Cash dividends to net income (ytd only)* | 5.3573% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,333 |
| Loan loss allowance to noncurrent loans | 129.4030% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 3,138 |
| Noncurrent loans to loans | 0.9129% | 3,279 |
| Net loans and leases to total assets | 63.7922% | 3,209 |
| Net loans and leases to deposits | 76.2789% | 3,150 |
| Net loans and leases to core deposits | 79.2158% | 3,411 |
| Total domestic deposits to total assets | 83.6302% | 3,907 |
| Equity capital to assets | 16.0417% | 556 |
| Core capital (leverage) ratio | 16.0149% | 479 |
| Tier 1 risk-based capital ratio | 16.0138% | 3,049 |
| Total risk-based capital ratio | 16.7775% | 3,242 |
| Memoranda: | ||
| Average total assets | $110,241,000 | 4,417 |
| Average earning assets | $104,352,000 | 4,343 |
| Average equity | $17,642,000 | 3,457 |
| Average total loans | $71,462,000 | 4,177 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 3,270 |
| Cost of funding earning assets | 0.5644% | 2,215 |
| Net interest margin | 3.5535% | 3,556 |
| Noninterest income to average assets | 0.5628% | 3,029 |
| Noninterest expense to average assets | 1.9323% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3713% | 1,131 |
| Return on assets (ROA) | 1.3713% | 1,170 |
| Pretax return on assets | 1.9892% | 569 |
| Return on Equity (ROE) | 8.5763% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.8540% | 1,382 |
| Net charge-offs to loans | 0.1243% | 2,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.6591% | 1,424 |
| Efficiency ratio | 49.2754% | 6,208 |
| Assets per employee ($millions) | 4.5060% | 2,908 |
| Cash dividends to net income (ytd only)* | 8.4225% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 4,305 |
| Loan loss allowance to noncurrent loans | 136.4207% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 3,293 |
| Noncurrent loans to loans | 0.8983% | 3,459 |
| Net loans and leases to total assets | 62.1808% | 3,366 |
| Net loans and leases to deposits | 74.1235% | 3,298 |
| Net loans and leases to core deposits | 76.9948% | 3,538 |
| Total domestic deposits to total assets | 83.8880% | 3,965 |
| Equity capital to assets | 15.8119% | 580 |
| Core capital (leverage) ratio | 16.0928% | 469 |
| Tier 1 risk-based capital ratio | 15.7837% | 3,202 |
| Total risk-based capital ratio | 16.5564% | 3,414 |
| Memoranda: | ||
| Average total assets | $109,091,000 | 4,461 |
| Average earning assets | $103,110,000 | 4,385 |
| Average equity | $17,443,330 | 3,477 |
| Average total loans | $70,818,330 | 4,206 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,072 |
| Cost of funding earning assets | 0.5681% | 2,258 |
| Net interest margin | 3.5820% | 3,326 |
| Noninterest income to average assets | 0.5405% | 3,108 |
| Noninterest expense to average assets | 1.9532% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3419% | 1,119 |
| Return on assets (ROA) | 1.3419% | 1,163 |
| Pretax return on assets | 1.9718% | 561 |
| Return on Equity (ROE) | 8.3435% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.3435% | 1,474 |
| Net charge-offs to loans | 0.1187% | 2,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.1905% | 1,163 |
| Efficiency ratio | 49.7626% | 6,267 |
| Assets per employee ($millions) | 4.5505% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 4,340 |
| Loan loss allowance to noncurrent loans | 107.0828% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 3,249 |
| Noncurrent loans to loans | 1.1741% | 3,088 |
| Net loans and leases to total assets | 64.1483% | 2,864 |
| Net loans and leases to deposits | 76.7101% | 2,727 |
| Net loans and leases to core deposits | 79.7770% | 2,993 |
| Total domestic deposits to total assets | 83.6244% | 4,411 |
| Equity capital to assets | 15.9874% | 530 |
| Core capital (leverage) ratio | 16.2919% | 445 |
| Tier 1 risk-based capital ratio | 15.9725% | 3,182 |
| Total risk-based capital ratio | 16.7901% | 3,381 |
| Memoranda: | ||
| Average total assets | $107,312,000 | 4,550 |
| Average earning assets | $101,396,500 | 4,472 |
| Average equity | $17,259,000 | 3,511 |
| Average total loans | $70,770,000 | 4,241 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 2,797 |
| Cost of funding earning assets | 0.6297% | 2,392 |
| Net interest margin | 3.7137% | 3,003 |
| Noninterest income to average assets | 0.5813% | 3,201 |
| Noninterest expense to average assets | 2.0327% | 5,965 |
| Loan and lease loss provision to assets | 0.1268% | 2,726 |
| Net operating income to assets | 1.2992% | 1,254 |
| Return on assets (ROA) | 1.2992% | 1,304 |
| Pretax return on assets | 1.9137% | 586 |
| Return on Equity (ROE) | 7.8316% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.0099% | 3,337 |
| Net charge-offs to loans | 0.2279% | 2,638 |
| Credit loss provision to net charge-offs | 82.2785% | 2,980 |
| Earnings coverage of net charge-offs (x) | 13.2405% | 2,046 |
| Efficiency ratio | 49.9042% | 6,401 |
| Assets per employee ($millions) | 4.3922% | 3,102 |
| Cash dividends to net income (ytd only)* | 48.7988% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,181 |
| Loan loss allowance to noncurrent loans | 162.1670% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 3,918 |
| Noncurrent loans to loans | 0.7976% | 3,986 |
| Net loans and leases to total assets | 66.1000% | 2,679 |
| Net loans and leases to deposits | 79.0574% | 2,578 |
| Net loans and leases to core deposits | 82.0591% | 2,890 |
| Total domestic deposits to total assets | 83.6102% | 4,317 |
| Equity capital to assets | 16.1821% | 500 |
| Core capital (leverage) ratio | 16.3213% | 434 |
| Tier 1 risk-based capital ratio | 16.1926% | 3,010 |
| Total risk-based capital ratio | 17.0588% | 3,151 |
| Memoranda: | ||
| Average total assets | $102,524,400 | 4,683 |
| Average earning assets | $96,400,800 | 4,610 |
| Average equity | $17,008,000 | 3,564 |
| Average total loans | $69,332,400 | 4,293 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 2,747 |
| Cost of funding earning assets | 0.6372% | 2,482 |
| Net interest margin | 3.7197% | 2,956 |
| Noninterest income to average assets | 0.5776% | 3,285 |
| Noninterest expense to average assets | 1.9410% | 6,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4367% | 1,009 |
| Return on assets (ROA) | 1.4367% | 1,070 |
| Pretax return on assets | 2.1309% | 446 |
| Return on Equity (ROE) | 8.6060% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.6060% | 1,193 |
| Net charge-offs to loans | 0.3245% | 1,918 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.6847% | 2,450 |
| Efficiency ratio | 47.6681% | 6,514 |
| Assets per employee ($millions) | 4.3643% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,363 |
| Loan loss allowance to noncurrent loans | 153.3730% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 4,185 |
| Noncurrent loans to loans | 0.7116% | 4,431 |
| Net loans and leases to total assets | 66.8837% | 2,485 |
| Net loans and leases to deposits | 80.5593% | 2,334 |
| Net loans and leases to core deposits | 83.9477% | 2,660 |
| Total domestic deposits to total assets | 83.0242% | 4,564 |
| Equity capital to assets | 16.7114% | 448 |
| Core capital (leverage) ratio | 16.9127% | 393 |
| Tier 1 risk-based capital ratio | 16.7196% | 2,852 |
| Total risk-based capital ratio | 17.4589% | 3,042 |
| Memoranda: | ||
| Average total assets | $101,802,250 | 4,741 |
| Average earning assets | $95,631,500 | 4,675 |
| Average equity | $16,995,500 | 3,604 |
| Average total loans | $69,017,750 | 4,339 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,689 |
| Cost of funding earning assets | 0.6407% | 2,582 |
| Net interest margin | 3.7278% | 2,858 |
| Noninterest income to average assets | 0.5376% | 3,586 |
| Noninterest expense to average assets | 2.0392% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3489% | 1,197 |
| Return on assets (ROA) | 1.3489% | 1,287 |
| Pretax return on assets | 1.9956% | 611 |
| Return on Equity (ROE) | 8.0827% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.0827% | 1,452 |
| Net charge-offs to loans | -0.0468% | 6,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5408% | 6,387 |
| Assets per employee ($millions) | 4.2696% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 4,184 |
| Loan loss allowance to noncurrent loans | 109.7477% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 3,152 |
| Noncurrent loans to loans | 1.2452% | 3,464 |
| Net loans and leases to total assets | 67.4070% | 2,351 |
| Net loans and leases to deposits | 81.0695% | 2,171 |
| Net loans and leases to core deposits | 84.5890% | 2,479 |
| Total domestic deposits to total assets | 83.1473% | 4,646 |
| Equity capital to assets | 16.6361% | 453 |
| Core capital (leverage) ratio | 16.6676% | 402 |
| Tier 1 risk-based capital ratio | 16.6416% | 2,870 |
| Total risk-based capital ratio | 17.5749% | 2,986 |
| Memoranda: | ||
| Average total assets | $100,822,000 | 4,789 |
| Average earning assets | $94,587,670 | 4,742 |
| Average equity | $16,826,000 | 3,647 |
| Average total loans | $68,414,000 | 4,372 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 2,542 |
| Cost of funding earning assets | 0.6462% | 2,697 |
| Net interest margin | 3.7487% | 2,669 |
| Noninterest income to average assets | 0.5280% | 3,586 |
| Noninterest expense to average assets | 2.0480% | 6,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3560% | 1,139 |
| Return on assets (ROA) | 1.3560% | 1,229 |
| Pretax return on assets | 1.9840% | 608 |
| Return on Equity (ROE) | 8.1122% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.1122% | 1,713 |
| Net charge-offs to loans | -0.0532% | 6,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7937% | 6,451 |
| Assets per employee ($millions) | 4.0551% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 4,286 |
| Loan loss allowance to noncurrent loans | 140.3250% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 3,390 |
| Noncurrent loans to loans | 0.9917% | 4,145 |
| Net loans and leases to total assets | 66.4056% | 2,298 |
| Net loans and leases to deposits | 79.9373% | 2,084 |
| Net loans and leases to core deposits | 84.1679% | 2,300 |
| Total domestic deposits to total assets | 83.0721% | 4,833 |
| Equity capital to assets | 16.6340% | 478 |
| Core capital (leverage) ratio | 16.8211% | 371 |
| Tier 1 risk-based capital ratio | 16.5160% | 2,992 |
| Total risk-based capital ratio | 17.4547% | 3,102 |
| Memoranda: | ||
| Average total assets | $99,998,000 | 4,868 |
| Average earning assets | $93,472,500 | 4,813 |
| Average equity | $16,715,500 | 3,711 |
| Average total loans | $67,606,500 | 4,438 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 2,374 |
| Cost of funding earning assets | 0.7322% | 3,232 |
| Net interest margin | 4.0248% | 2,295 |
| Noninterest income to average assets | 0.5753% | 3,413 |
| Noninterest expense to average assets | 2.3159% | 5,649 |
| Loan and lease loss provision to assets | 0.0801% | 4,704 |
| Net operating income to assets | 1.2766% | 1,375 |
| Return on assets (ROA) | 1.2766% | 1,522 |
| Pretax return on assets | 1.9310% | 698 |
| Return on Equity (ROE) | 7.4184% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.1076% | 4,048 |
| Net charge-offs to loans | 0.3254% | 3,022 |
| Credit loss provision to net charge-offs | 35.4839% | 5,014 |
| Earnings coverage of net charge-offs (x) | 8.9078% | 2,335 |
| Efficiency ratio | 53.5225% | 6,316 |
| Assets per employee ($millions) | 4.1091% | 3,717 |
| Cash dividends to net income (ytd only)* | 58.1092% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 4,145 |
| Loan loss allowance to noncurrent loans | 137.1720% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.3354% | 3,409 |
| Noncurrent loans to loans | 1.0248% | 4,154 |
| Net loans and leases to total assets | 66.9263% | 2,378 |
| Net loans and leases to deposits | 80.6545% | 2,196 |
| Net loans and leases to core deposits | 84.3929% | 2,503 |
| Total domestic deposits to total assets | 82.9789% | 4,734 |
| Equity capital to assets | 16.8000% | 438 |
| Core capital (leverage) ratio | 16.7965% | 374 |
| Tier 1 risk-based capital ratio | 16.6375% | 2,820 |
| Total risk-based capital ratio | 17.5941% | 2,930 |
| Memoranda: | ||
| Average total assets | $96,118,400 | 4,935 |
| Average earning assets | $89,594,600 | 4,880 |
| Average equity | $16,540,000 | 3,695 |
| Average total loans | $66,683,000 | 4,471 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 2,333 |
| Cost of funding earning assets | 0.7562% | 3,299 |
| Net interest margin | 4.0596% | 2,257 |
| Noninterest income to average assets | 0.5794% | 3,410 |
| Noninterest expense to average assets | 2.2144% | 5,921 |
| Loan and lease loss provision to assets | 0.0698% | 4,800 |
| Net operating income to assets | 1.3962% | 1,233 |
| Return on assets (ROA) | 1.3962% | 1,357 |
| Pretax return on assets | 2.0804% | 595 |
| Return on Equity (ROE) | 8.0645% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.5564% | 1,821 |
| Net charge-offs to loans | 0.3643% | 2,647 |
| Credit loss provision to net charge-offs | 27.4725% | 4,837 |
| Earnings coverage of net charge-offs (x) | 8.4616% | 2,439 |
| Efficiency ratio | 50.7358% | 6,534 |
| Assets per employee ($millions) | 4.0013% | 3,865 |
| Cash dividends to net income (ytd only)* | 6.3002% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 4,329 |
| Loan loss allowance to noncurrent loans | 107.8409% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 3,110 |
| Noncurrent loans to loans | 1.3088% | 3,855 |
| Net loans and leases to total assets | 69.0263% | 2,109 |
| Net loans and leases to deposits | 84.1172% | 1,859 |
| Net loans and leases to core deposits | 88.2308% | 2,192 |
| Total domestic deposits to total assets | 82.0598% | 4,998 |
| Equity capital to assets | 17.7090% | 383 |
| Core capital (leverage) ratio | 17.5313% | 329 |
| Tier 1 risk-based capital ratio | 17.5231% | 2,534 |
| Total risk-based capital ratio | 18.5141% | 2,576 |
| Memoranda: | ||
| Average total assets | $95,493,250 | 5,001 |
| Average earning assets | $89,038,750 | 4,936 |
| Average equity | $16,533,000 | 3,732 |
| Average total loans | $66,618,000 | 4,521 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 2,387 |
| Cost of funding earning assets | 0.7816% | 3,347 |
| Net interest margin | 4.0478% | 2,305 |
| Noninterest income to average assets | 0.5938% | 3,290 |
| Noninterest expense to average assets | 2.2158% | 5,958 |
| Loan and lease loss provision to assets | 0.1049% | 4,213 |
| Net operating income to assets | 1.3723% | 1,252 |
| Return on assets (ROA) | 1.3723% | 1,415 |
| Pretax return on assets | 2.0438% | 638 |
| Return on Equity (ROE) | 7.9876% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.2182% | 1,995 |
| Net charge-offs to loans | 0.4005% | 2,424 |
| Credit loss provision to net charge-offs | 37.5940% | 4,313 |
| Earnings coverage of net charge-offs (x) | 7.6992% | 2,435 |
| Efficiency ratio | 50.7692% | 6,591 |
| Assets per employee ($millions) | 3.9801% | 3,920 |
| Cash dividends to net income (ytd only)* | 9.6330% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 4,015 |
| Loan loss allowance to noncurrent loans | 94.8669% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 3,153 |
| Noncurrent loans to loans | 1.5797% | 3,538 |
| Net loans and leases to total assets | 68.6714% | 2,171 |
| Net loans and leases to deposits | 83.3984% | 1,934 |
| Net loans and leases to core deposits | 87.4778% | 2,257 |
| Total domestic deposits to total assets | 82.3414% | 5,001 |
| Equity capital to assets | 17.4377% | 390 |
| Core capital (leverage) ratio | 17.0451% | 364 |
| Tier 1 risk-based capital ratio | 17.2336% | 2,573 |
| Total risk-based capital ratio | 18.2806% | 2,611 |
| Memoranda: | ||
| Average total assets | $95,314,330 | 5,027 |
| Average earning assets | $88,789,670 | 4,970 |
| Average equity | $16,375,330 | 3,749 |
| Average total loans | $66,412,330 | 4,547 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 2,426 |
| Cost of funding earning assets | 0.8361% | 3,179 |
| Net interest margin | 4.0178% | 2,430 |
| Noninterest income to average assets | 0.5252% | 3,742 |
| Noninterest expense to average assets | 2.1216% | 6,225 |
| Loan and lease loss provision to assets | 0.2101% | 2,848 |
| Net operating income to assets | 1.2856% | 1,489 |
| Return on assets (ROA) | 1.2856% | 1,667 |
| Pretax return on assets | 1.9284% | 830 |
| Return on Equity (ROE) | 7.5395% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.5395% | 2,159 |
| Net charge-offs to loans | 0.8022% | 1,281 |
| Credit loss provision to net charge-offs | 37.5940% | 3,486 |
| Earnings coverage of net charge-offs (x) | 3.8271% | 2,736 |
| Efficiency ratio | 49.8028% | 6,683 |
| Assets per employee ($millions) | 4.0643% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 4,170 |
| Loan loss allowance to noncurrent loans | 90.6449% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6670% | 3,355 |
| Noncurrent loans to loans | 1.6513% | 3,624 |
| Net loans and leases to total assets | 67.3320% | 2,227 |
| Net loans and leases to deposits | 81.1388% | 2,042 |
| Net loans and leases to core deposits | 86.5332% | 2,225 |
| Total domestic deposits to total assets | 82.9837% | 4,933 |
| Equity capital to assets | 16.8112% | 457 |
| Core capital (leverage) ratio | 16.8748% | 367 |
| Tier 1 risk-based capital ratio | 16.5679% | 2,877 |
| Total risk-based capital ratio | 17.5929% | 2,951 |
| Memoranda: | ||
| Average total assets | $95,210,000 | 5,054 |
| Average earning assets | $88,506,000 | 5,008 |
| Average equity | $16,234,500 | 3,778 |
| Average total loans | $66,321,000 | 4,573 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 2,944 |
| Cost of funding earning assets | 0.9592% | 3,654 |
| Net interest margin | 4.0263% | 2,753 |
| Noninterest income to average assets | 0.6247% | 3,041 |
| Noninterest expense to average assets | 2.3264% | 5,984 |
| Loan and lease loss provision to assets | 0.1254% | 5,037 |
| Net operating income to assets | 1.2870% | 1,284 |
| Return on assets (ROA) | 1.2870% | 1,384 |
| Pretax return on assets | 1.9288% | 629 |
| Return on Equity (ROE) | 7.5623% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.4695% | 3,748 |
| Net charge-offs to loans | 0.6636% | 2,498 |
| Credit loss provision to net charge-offs | 26.5909% | 5,836 |
| Earnings coverage of net charge-offs (x) | 4.3568% | 3,147 |
| Efficiency ratio | 53.1067% | 6,603 |
| Assets per employee ($millions) | 3.8699% | 4,159 |
| Cash dividends to net income (ytd only)* | 54.1216% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 3,421 |
| Loan loss allowance to noncurrent loans | 86.5492% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.9143% | 3,089 |
| Noncurrent loans to loans | 1.8934% | 3,350 |
| Net loans and leases to total assets | 69.8615% | 2,061 |
| Net loans and leases to deposits | 84.8549% | 1,823 |
| Net loans and leases to core deposits | 89.4609% | 2,201 |
| Total domestic deposits to total assets | 82.3306% | 5,016 |
| Equity capital to assets | 17.3033% | 413 |
| Core capital (leverage) ratio | 16.9909% | 363 |
| Tier 1 risk-based capital ratio | 17.0517% | 2,578 |
| Total risk-based capital ratio | 18.2172% | 2,582 |
| Memoranda: | ||
| Average total assets | $93,321,400 | 5,085 |
| Average earning assets | $87,052,800 | 5,022 |
| Average equity | $15,881,400 | 3,745 |
| Average total loans | $66,305,400 | 4,620 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 3,233 |
| Cost of funding earning assets | 0.9781% | 3,832 |
| Net interest margin | 3.9934% | 2,940 |
| Noninterest income to average assets | 0.6179% | 3,064 |
| Noninterest expense to average assets | 2.2347% | 6,204 |
| Loan and lease loss provision to assets | 0.1670% | 4,388 |
| Net operating income to assets | 1.2957% | 1,388 |
| Return on assets (ROA) | 1.2957% | 1,486 |
| Pretax return on assets | 1.9450% | 704 |
| Return on Equity (ROE) | 7.6458% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.1153% | 1,910 |
| Net charge-offs to loans | 0.6708% | 2,234 |
| Credit loss provision to net charge-offs | 35.0299% | 5,344 |
| Earnings coverage of net charge-offs (x) | 4.4312% | 3,073 |
| Efficiency ratio | 51.4117% | 6,732 |
| Assets per employee ($millions) | 3.9010% | 4,071 |
| Cash dividends to net income (ytd only)* | 6.9385% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 2,964 |
| Loan loss allowance to noncurrent loans | 72.3780% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 2.2056% | 2,887 |
| Noncurrent loans to loans | 2.4799% | 2,795 |
| Net loans and leases to total assets | 69.3661% | 2,199 |
| Net loans and leases to deposits | 84.2411% | 1,964 |
| Net loans and leases to core deposits | 88.7905% | 2,393 |
| Total domestic deposits to total assets | 82.3423% | 4,955 |
| Equity capital to assets | 17.4868% | 440 |
| Core capital (leverage) ratio | 17.1316% | 386 |
| Tier 1 risk-based capital ratio | 17.2071% | 2,561 |
| Total risk-based capital ratio | 18.4574% | 2,523 |
| Memoranda: | ||
| Average total assets | $93,432,250 | 5,124 |
| Average earning assets | $87,241,000 | 5,055 |
| Average equity | $15,834,000 | 3,768 |
| Average total loans | $66,390,000 | 4,657 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 3,487 |
| Cost of funding earning assets | 0.9948% | 3,982 |
| Net interest margin | 3.9357% | 3,146 |
| Noninterest income to average assets | 0.6019% | 3,129 |
| Noninterest expense to average assets | 2.2642% | 6,214 |
| Loan and lease loss provision to assets | 0.1949% | 3,982 |
| Net operating income to assets | 1.2081% | 1,544 |
| Return on assets (ROA) | 1.2081% | 1,632 |
| Pretax return on assets | 1.8122% | 859 |
| Return on Equity (ROE) | 7.2055% | 3,347 |
| Retained earnings to average equity (ytd only) | 6.4006% | 2,189 |
| Net charge-offs to loans | 0.9447% | 1,654 |
| Credit loss provision to net charge-offs | 28.9809% | 5,007 |
| Earnings coverage of net charge-offs (x) | 2.9841% | 3,358 |
| Efficiency ratio | 53.0090% | 6,711 |
| Assets per employee ($millions) | 3.7688% | 4,274 |
| Cash dividends to net income (ytd only)* | 11.1702% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 3,023 |
| Loan loss allowance to noncurrent loans | 78.3676% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.9847% | 3,254 |
| Noncurrent loans to loans | 2.2859% | 3,121 |
| Net loans and leases to total assets | 68.7165% | 2,475 |
| Net loans and leases to deposits | 82.8851% | 2,300 |
| Net loans and leases to core deposits | 87.2819% | 2,729 |
| Total domestic deposits to total assets | 82.9058% | 4,792 |
| Equity capital to assets | 16.9403% | 490 |
| Core capital (leverage) ratio | 16.4868% | 453 |
| Tier 1 risk-based capital ratio | 16.7018% | 2,649 |
| Total risk-based capital ratio | 17.9522% | 2,605 |
| Memoranda: | ||
| Average total assets | $93,368,000 | 5,156 |
| Average earning assets | $87,048,330 | 5,095 |
| Average equity | $15,654,670 | 3,793 |
| Average total loans | $66,476,330 | 4,704 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 4,295 |
| Cost of funding earning assets | 1.0093% | 4,138 |
| Net interest margin | 3.7409% | 3,889 |
| Noninterest income to average assets | 0.5810% | 3,303 |
| Noninterest expense to average assets | 2.3541% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1405% | 1,700 |
| Return on assets (ROA) | 1.1405% | 1,746 |
| Pretax return on assets | 1.7043% | 974 |
| Return on Equity (ROE) | 6.8380% | 3,469 |
| Retained earnings to average equity (ytd only) | 6.8380% | 2,218 |
| Net charge-offs to loans | 1.9475% | 656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2185% | 3,751 |
| Efficiency ratio | 58.0064% | 6,269 |
| Assets per employee ($millions) | 3.6503% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,597 |
| Loan loss allowance to noncurrent loans | 57.2718% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.4066% | 2,832 |
| Noncurrent loans to loans | 2.8482% | 2,646 |
| Net loans and leases to total assets | 68.5587% | 2,437 |
| Net loans and leases to deposits | 82.3925% | 2,295 |
| Net loans and leases to core deposits | 85.6731% | 2,926 |
| Total domestic deposits to total assets | 83.2099% | 4,847 |
| Equity capital to assets | 16.4709% | 502 |
| Core capital (leverage) ratio | 16.6606% | 423 |
| Tier 1 risk-based capital ratio | 16.3131% | 2,752 |
| Total risk-based capital ratio | 17.4484% | 2,776 |
| Memoranda: | ||
| Average total assets | $92,942,500 | 5,210 |
| Average earning assets | $86,397,000 | 5,149 |
| Average equity | $15,501,500 | 3,812 |
| Average total loans | $66,752,000 | 4,744 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 3,339 |
| Cost of funding earning assets | 1.2874% | 3,964 |
| Net interest margin | 3.9666% | 3,173 |
| Noninterest income to average assets | 0.7212% | 2,704 |
| Noninterest expense to average assets | 2.3220% | 6,300 |
| Loan and lease loss provision to assets | 0.8176% | 2,004 |
| Net operating income to assets | 0.7983% | 2,811 |
| Return on assets (ROA) | 0.7983% | 2,944 |
| Pretax return on assets | 1.2859% | 1,966 |
| Return on Equity (ROE) | 4.7703% | 4,168 |
| Retained earnings to average equity (ytd only) | 0.6083% | 5,276 |
| Net charge-offs to loans | 0.3481% | 4,273 |
| Credit loss provision to net charge-offs | 323.3051% | 800 |
| Earnings coverage of net charge-offs (x) | 8.3178% | 1,984 |
| Efficiency ratio | 52.4697% | 6,949 |
| Assets per employee ($millions) | 3.4992% | 4,932 |
| Cash dividends to net income (ytd only)* | 87.2483% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0844% | 2,103 |
| Loan loss allowance to noncurrent loans | 62.5390% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.9073% | 2,414 |
| Noncurrent loans to loans | 3.3329% | 2,280 |
| Net loans and leases to total assets | 72.4944% | 1,985 |
| Net loans and leases to deposits | 88.3155% | 1,749 |
| Net loans and leases to core deposits | 91.4948% | 2,555 |
| Total domestic deposits to total assets | 82.0858% | 5,161 |
| Equity capital to assets | 16.8953% | 468 |
| Core capital (leverage) ratio | 16.4012% | 460 |
| Tier 1 risk-based capital ratio | 16.7034% | 2,457 |
| Total risk-based capital ratio | 17.9571% | 2,423 |
| Memoranda: | ||
| Average total assets | $93,323,000 | 5,183 |
| Average earning assets | $87,152,000 | 5,111 |
| Average equity | $15,617,400 | 3,837 |
| Average total loans | $67,803,200 | 4,757 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 3,771 |
| Cost of funding earning assets | 1.3346% | 4,011 |
| Net interest margin | 3.8780% | 3,623 |
| Noninterest income to average assets | 0.7596% | 2,456 |
| Noninterest expense to average assets | 2.2021% | 6,600 |
| Loan and lease loss provision to assets | 0.3095% | 4,103 |
| Net operating income to assets | 1.2508% | 1,463 |
| Return on assets (ROA) | 1.2508% | 1,543 |
| Pretax return on assets | 1.8784% | 803 |
| Return on Equity (ROE) | 7.4918% | 3,109 |
| Retained earnings to average equity (ytd only) | 6.9561% | 1,877 |
| Net charge-offs to loans | 0.0353% | 6,206 |
| Credit loss provision to net charge-offs | 1,211.1111% | 246 |
| Earnings coverage of net charge-offs (x) | 85.6092% | 360 |
| Efficiency ratio | 50.1617% | 7,136 |
| Assets per employee ($millions) | 3.5699% | 4,803 |
| Cash dividends to net income (ytd only)* | 7.1511% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,702 |
| Loan loss allowance to noncurrent loans | 43.5152% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 3.0275% | 2,398 |
| Noncurrent loans to loans | 3.5820% | 2,192 |
| Net loans and leases to total assets | 73.2818% | 1,959 |
| Net loans and leases to deposits | 89.9649% | 1,724 |
| Net loans and leases to core deposits | 94.5285% | 2,451 |
| Total domestic deposits to total assets | 81.4560% | 5,217 |
| Equity capital to assets | 17.4354% | 474 |
| Core capital (leverage) ratio | 17.0474% | 426 |
| Tier 1 risk-based capital ratio | 17.1767% | 2,281 |
| Total risk-based capital ratio | 18.3371% | 2,274 |
| Memoranda: | ||
| Average total assets | $93,909,250 | 5,220 |
| Average earning assets | $87,912,750 | 5,144 |
| Average equity | $15,679,000 | 3,861 |
| Average total loans | $67,914,500 | 4,835 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 4,069 |
| Cost of funding earning assets | 1.4043% | 3,851 |
| Net interest margin | 3.7706% | 4,044 |
| Noninterest income to average assets | 0.7319% | 2,506 |
| Noninterest expense to average assets | 2.2573% | 6,485 |
| Loan and lease loss provision to assets | 0.4201% | 3,217 |
| Net operating income to assets | 1.0629% | 1,973 |
| Return on assets (ROA) | 1.0629% | 2,046 |
| Pretax return on assets | 1.5805% | 1,352 |
| Return on Equity (ROE) | 6.4599% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.6476% | 2,527 |
| Net charge-offs to loans | 0.0533% | 5,636 |
| Credit loss provision to net charge-offs | 1,100.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 52.3889% | 566 |
| Efficiency ratio | 53.0144% | 6,976 |
| Assets per employee ($millions) | 3.5793% | 4,737 |
| Cash dividends to net income (ytd only)* | 12.5749% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 3,699 |
| Loan loss allowance to noncurrent loans | 55.7784% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.4511% | 2,936 |
| Noncurrent loans to loans | 2.7662% | 2,889 |
| Net loans and leases to total assets | 72.4775% | 2,282 |
| Net loans and leases to deposits | 88.3569% | 2,113 |
| Net loans and leases to core deposits | 92.4605% | 2,926 |
| Total domestic deposits to total assets | 82.0281% | 4,971 |
| Equity capital to assets | 16.9414% | 534 |
| Core capital (leverage) ratio | 16.4313% | 512 |
| Tier 1 risk-based capital ratio | 16.7095% | 2,397 |
| Total risk-based capital ratio | 17.8448% | 2,392 |
| Memoranda: | ||
| Average total assets | $94,273,330 | 5,240 |
| Average earning assets | $88,155,330 | 5,166 |
| Average equity | $15,511,000 | 3,893 |
| Average total loans | $67,521,000 | 4,881 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 4,094 |
| Cost of funding earning assets | 1.4873% | 3,637 |
| Net interest margin | 3.7002% | 4,241 |
| Noninterest income to average assets | 0.6998% | 2,607 |
| Noninterest expense to average assets | 2.1585% | 6,786 |
| Loan and lease loss provision to assets | 0.5017% | 2,487 |
| Net operating income to assets | 1.0708% | 1,929 |
| Return on assets (ROA) | 1.0708% | 2,002 |
| Pretax return on assets | 1.5009% | 1,512 |
| Return on Equity (ROE) | 6.6045% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.6045% | 2,316 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8744% | 7,172 |
| Assets per employee ($millions) | 3.6870% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 3,994 |
| Loan loss allowance to noncurrent loans | 53.0351% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.1938% | 3,283 |
| Noncurrent loans to loans | 2.7956% | 2,862 |
| Net loans and leases to total assets | 69.0371% | 3,147 |
| Net loans and leases to deposits | 83.4186% | 3,037 |
| Net loans and leases to core deposits | 87.1181% | 3,732 |
| Total domestic deposits to total assets | 82.7598% | 4,733 |
| Equity capital to assets | 16.1856% | 646 |
| Core capital (leverage) ratio | 16.2170% | 549 |
| Tier 1 risk-based capital ratio | 15.9985% | 2,661 |
| Total risk-based capital ratio | 17.0362% | 2,676 |
| Memoranda: | ||
| Average total assets | $94,879,000 | 5,291 |
| Average earning assets | $88,751,000 | 5,202 |
| Average equity | $15,383,500 | 3,946 |
| Average total loans | $67,028,500 | 4,963 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 3,604 |
| Cost of funding earning assets | 1.8550% | 3,708 |
| Net interest margin | 3.7463% | 3,925 |
| Noninterest income to average assets | 0.6314% | 3,415 |
| Noninterest expense to average assets | 2.4141% | 6,424 |
| Loan and lease loss provision to assets | 0.5833% | 3,460 |
| Net operating income to assets | 0.7879% | 2,578 |
| Return on assets (ROA) | 0.7879% | 2,667 |
| Pretax return on assets | 1.1392% | 2,130 |
| Return on Equity (ROE) | 4.6575% | 3,816 |
| Retained earnings to average equity (ytd only) | 0.4528% | 4,651 |
| Net charge-offs to loans | 0.4840% | 3,836 |
| Credit loss provision to net charge-offs | 167.0846% | 2,585 |
| Earnings coverage of net charge-offs (x) | 4.9342% | 2,745 |
| Efficiency ratio | 58.3598% | 6,712 |
| Assets per employee ($millions) | 3.4776% | 5,064 |
| Cash dividends to net income (ytd only)* | 90.2778% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,691 |
| Loan loss allowance to noncurrent loans | 45.1596% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 2.2994% | 3,006 |
| Noncurrent loans to loans | 2.9037% | 2,660 |
| Net loans and leases to total assets | 70.2945% | 3,185 |
| Net loans and leases to deposits | 85.0817% | 3,068 |
| Net loans and leases to core deposits | 102.3080% | 3,770 |
| Total domestic deposits to total assets | 82.6199% | 4,698 |
| Equity capital to assets | 16.2426% | 665 |
| Core capital (leverage) ratio | 16.1937% | 588 |
| Tier 1 risk-based capital ratio | 16.0705% | 2,493 |
| Total risk-based capital ratio | 17.0039% | 2,554 |
| Memoranda: | ||
| Average total assets | $91,380,800 | 5,354 |
| Average earning assets | $85,496,800 | 5,281 |
| Average equity | $15,459,000 | 3,976 |
| Average total loans | $65,914,600 | 5,020 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6538% | 3,555 |
| Cost of funding earning assets | 1.9265% | 3,739 |
| Net interest margin | 3.7273% | 3,960 |
| Noninterest income to average assets | 0.6391% | 3,431 |
| Noninterest expense to average assets | 2.3507% | 6,549 |
| Loan and lease loss provision to assets | 0.4790% | 3,508 |
| Net operating income to assets | 0.7610% | 2,978 |
| Return on assets (ROA) | 0.7610% | 3,042 |
| Pretax return on assets | 1.2973% | 1,958 |
| Return on Equity (ROE) | 4.4526% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.9197% | 3,092 |
| Net charge-offs to loans | 0.4629% | 3,373 |
| Credit loss provision to net charge-offs | 142.9825% | 3,424 |
| Earnings coverage of net charge-offs (x) | 5.3027% | 2,869 |
| Efficiency ratio | 56.9598% | 6,879 |
| Assets per employee ($millions) | 3.5471% | 4,819 |
| Cash dividends to net income (ytd only)* | 11.9684% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 5,418 |
| Loan loss allowance to noncurrent loans | 56.7910% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7523% | 3,730 |
| Noncurrent loans to loans | 2.0221% | 3,610 |
| Net loans and leases to total assets | 71.0314% | 3,266 |
| Net loans and leases to deposits | 86.8438% | 3,160 |
| Net loans and leases to core deposits | 103.4163% | 4,005 |
| Total domestic deposits to total assets | 81.7922% | 4,769 |
| Equity capital to assets | 17.0086% | 632 |
| Core capital (leverage) ratio | 16.5252% | 613 |
| Tier 1 risk-based capital ratio | 16.8038% | 2,331 |
| Total risk-based capital ratio | 17.6301% | 2,422 |
| Memoranda: | ||
| Average total assets | $90,752,250 | 5,401 |
| Average earning assets | $84,920,000 | 5,340 |
| Average equity | $15,511,000 | 4,003 |
| Average total loans | $65,673,250 | 5,076 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6887% | 3,608 |
| Cost of funding earning assets | 1.9665% | 3,932 |
| Net interest margin | 3.7222% | 3,865 |
| Noninterest income to average assets | 0.5983% | 3,711 |
| Noninterest expense to average assets | 2.3199% | 6,707 |
| Loan and lease loss provision to assets | 0.0222% | 7,009 |
| Net operating income to assets | 1.1522% | 1,605 |
| Return on assets (ROA) | 1.1522% | 1,689 |
| Pretax return on assets | 1.7372% | 957 |
| Return on Equity (ROE) | 6.7302% | 3,317 |
| Retained earnings to average equity (ytd only) | 5.9278% | 2,059 |
| Net charge-offs to loans | 0.0947% | 5,229 |
| Credit loss provision to net charge-offs | 32.2581% | 6,001 |
| Earnings coverage of net charge-offs (x) | 25.6129% | 1,113 |
| Efficiency ratio | 56.8713% | 7,008 |
| Assets per employee ($millions) | 3.6012% | 4,567 |
| Cash dividends to net income (ytd only)* | 11.9231% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,342 |
| Loan loss allowance to noncurrent loans | 39.2901% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 3,393 |
| Noncurrent loans to loans | 2.5109% | 2,882 |
| Net loans and leases to total assets | 68.8177% | 3,989 |
| Net loans and leases to deposits | 83.7806% | 3,923 |
| Net loans and leases to core deposits | 99.6983% | 4,537 |
| Total domestic deposits to total assets | 82.1403% | 4,633 |
| Equity capital to assets | 16.6859% | 713 |
| Core capital (leverage) ratio | 16.4344% | 687 |
| Tier 1 risk-based capital ratio | 16.5456% | 2,432 |
| Total risk-based capital ratio | 17.2322% | 2,574 |
| Memoranda: | ||
| Average total assets | $90,261,670 | 5,449 |
| Average earning assets | $84,413,000 | 5,398 |
| Average equity | $15,452,670 | 4,026 |
| Average total loans | $65,474,670 | 5,127 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7935% | 3,338 |
| Cost of funding earning assets | 2.0425% | 3,910 |
| Net interest margin | 3.7510% | 3,651 |
| Noninterest income to average assets | 0.6232% | 3,396 |
| Noninterest expense to average assets | 2.1676% | 6,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2915% | 1,401 |
| Return on assets (ROA) | 1.2915% | 1,495 |
| Pretax return on assets | 1.9553% | 714 |
| Return on Equity (ROE) | 7.4443% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.4443% | 2,044 |
| Net charge-offs to loans | 0.2010% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 13.1212% | 1,752 |
| Efficiency ratio | 52.5739% | 7,356 |
| Assets per employee ($millions) | 3.5743% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,422 |
| Loan loss allowance to noncurrent loans | 40.2813% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 1.7185% | 3,343 |
| Noncurrent loans to loans | 2.3872% | 2,760 |
| Net loans and leases to total assets | 69.8206% | 3,717 |
| Net loans and leases to deposits | 85.2830% | 3,760 |
| Net loans and leases to core deposits | 101.8683% | 4,360 |
| Total domestic deposits to total assets | 81.8693% | 4,604 |
| Equity capital to assets | 16.6844% | 770 |
| Core capital (leverage) ratio | 17.0138% | 651 |
| Tier 1 risk-based capital ratio | 16.4900% | 2,516 |
| Total risk-based capital ratio | 17.1694% | 2,658 |
| Memoranda: | ||
| Average total assets | $88,577,500 | 5,539 |
| Average earning assets | $82,644,500 | 5,468 |
| Average equity | $15,367,500 | 4,070 |
| Average total loans | $65,674,000 | 5,143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7385% | 1,908 |
| Cost of funding earning assets | 2.5297% | 4,050 |
| Net interest margin | 4.2088% | 2,280 |
| Noninterest income to average assets | 0.6323% | 3,613 |
| Noninterest expense to average assets | 2.4247% | 6,314 |
| Loan and lease loss provision to assets | 0.3174% | 3,840 |
| Net operating income to assets | 1.1957% | 1,786 |
| Return on assets (ROA) | 1.1957% | 1,716 |
| Pretax return on assets | 1.7959% | 955 |
| Return on Equity (ROE) | 6.6021% | 3,711 |
| Retained earnings to average equity (ytd only) | 2.3363% | 3,749 |
| Net charge-offs to loans | 0.0280% | 6,431 |
| Credit loss provision to net charge-offs | 1,483.3333% | 305 |
| Earnings coverage of net charge-offs (x) | 98.7778% | 436 |
| Efficiency ratio | 53.4311% | 7,336 |
| Assets per employee ($millions) | 3.2394% | 5,364 |
| Cash dividends to net income (ytd only)* | 64.6123% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 5,971 |
| Loan loss allowance to noncurrent loans | 67.1053% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 3,845 |
| Noncurrent loans to loans | 1.5008% | 3,547 |
| Net loans and leases to total assets | 77.3770% | 2,293 |
| Net loans and leases to deposits | 96.1734% | 2,420 |
| Net loans and leases to core deposits | 112.7840% | 3,472 |
| Total domestic deposits to total assets | 80.4557% | 4,850 |
| Equity capital to assets | 18.0827% | 639 |
| Core capital (leverage) ratio | 17.6871% | 635 |
| Tier 1 risk-based capital ratio | 17.8585% | 2,075 |
| Total risk-based capital ratio | 18.6481% | 2,151 |
| Memoranda: | ||
| Average total assets | $84,134,200 | 5,558 |
| Average earning assets | $78,073,600 | 5,499 |
| Average equity | $15,237,600 | 4,092 |
| Average total loans | $64,189,800 | 5,095 |