Home > The Pauls Valley National Bank > Performance and Condition Ratios
The Pauls Valley National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 2,003 |
| Cost of funding earning assets | 1.4503% | 2,074 |
| Net interest margin | 3.5859% | 1,992 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6603% | 1,847 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.9015% | 2,542 |
| Return on assets (ROA) | 0.9081% | 2,492 |
| Pretax return on assets | 1.0113% | 2,651 |
| Return on Equity (ROE) | 19.2800% | 683 |
| Retained earnings to average equity (ytd only) | 15.2587% | 314 |
| Net charge-offs to loans | 0.3262% | 333 |
| Credit loss provision to net charge-offs | 70.6897% | 2,080 |
| Earnings coverage of net charge-offs (x) | 6.0776% | 2,498 |
| Efficiency ratio | 70.0764% | 1,866 |
| Assets per employee ($millions) | 5.5734% | 3,182 |
| Cash dividends to net income (ytd only)* | 20.8659% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 2,852 |
| Loan loss allowance to noncurrent loans | 168.9189% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 1,480 |
| Noncurrent loans to loans | 0.6499% | 1,205 |
| Net loans and leases to total assets | 56.7100% | 3,143 |
| Net loans and leases to deposits | 61.1641% | 3,461 |
| Net loans and leases to core deposits | 78.1814% | 2,825 |
| Total domestic deposits to total assets | 92.7300% | 203 |
| Equity capital to assets | 5.4092% | 4,355 |
| Core capital (leverage) ratio | 9.8059% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7432% | 1,962 |
| Memoranda: | ||
| Average total assets | $310,307,800 | 2,378 |
| Average earning assets | $281,656,600 | 2,405 |
| Average equity | $14,614,600 | 3,296 |
| Average total loans | $177,794,400 | 2,466 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 2,027 |
| Cost of funding earning assets | 1.2605% | 2,256 |
| Net interest margin | 3.6544% | 1,875 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.7101% | 1,629 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.8430% | 2,884 |
| Return on assets (ROA) | 0.8437% | 2,866 |
| Pretax return on assets | 1.0616% | 2,682 |
| Return on Equity (ROE) | 18.6300% | 862 |
| Retained earnings to average equity (ytd only) | 13.0160% | 810 |
| Net charge-offs to loans | 0.4437% | 188 |
| Credit loss provision to net charge-offs | 30.6122% | 1,969 |
| Earnings coverage of net charge-offs (x) | 4.4796% | 2,395 |
| Efficiency ratio | 70.4178% | 1,739 |
| Assets per employee ($millions) | 5.4726% | 3,206 |
| Cash dividends to net income (ytd only)* | 30.1230% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,476 |
| Loan loss allowance to noncurrent loans | 134.3750% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 1,380 |
| Noncurrent loans to loans | 0.7274% | 1,139 |
| Net loans and leases to total assets | 57.2500% | 3,097 |
| Net loans and leases to deposits | 60.9511% | 3,451 |
| Net loans and leases to core deposits | 77.1506% | 2,787 |
| Total domestic deposits to total assets | 93.9400% | 192 |
| Equity capital to assets | 4.0088% | 4,402 |
| Core capital (leverage) ratio | 9.6564% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2383% | 2,187 |
| Memoranda: | ||
| Average total assets | $308,464,250 | 2,392 |
| Average earning assets | $280,090,500 | 2,415 |
| Average equity | $13,972,250 | 3,338 |
| Average total loans | $176,699,750 | 2,476 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 2,024 |
| Cost of funding earning assets | 1.0910% | 2,304 |
| Net interest margin | 3.6953% | 1,825 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.7067% | 1,624 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8847% | 2,810 |
| Return on assets (ROA) | 0.8858% | 2,794 |
| Pretax return on assets | 1.1044% | 2,637 |
| Return on Equity (ROE) | 18.8200% | 851 |
| Retained earnings to average equity (ytd only) | 14.2172% | 656 |
| Net charge-offs to loans | 0.6770% | 125 |
| Credit loss provision to net charge-offs | 20.2020% | 1,767 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 2,281 |
| Efficiency ratio | 69.6183% | 1,802 |
| Assets per employee ($millions) | 5.3980% | 3,235 |
| Cash dividends to net income (ytd only)* | 24.4673% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 3,625 |
| Loan loss allowance to noncurrent loans | 159.3985% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 1,528 |
| Noncurrent loans to loans | 0.5960% | 1,253 |
| Net loans and leases to total assets | 57.4700% | 3,008 |
| Net loans and leases to deposits | 61.7183% | 3,323 |
| Net loans and leases to core deposits | 72.2534% | 3,000 |
| Total domestic deposits to total assets | 93.1200% | 236 |
| Equity capital to assets | 4.8462% | 4,399 |
| Core capital (leverage) ratio | 9.5256% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3542% | 2,156 |
| Memoranda: | ||
| Average total assets | $307,306,667 | 2,396 |
| Average earning assets | $279,382,000 | 2,425 |
| Average equity | $14,461,333 | 3,315 |
| Average total loans | $175,479,000 | 2,483 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,971 |
| Cost of funding earning assets | 0.9713% | 2,150 |
| Net interest margin | 3.6785% | 1,945 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.7351% | 1,585 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.8128% | 3,157 |
| Return on assets (ROA) | 0.7984% | 3,148 |
| Pretax return on assets | 1.0172% | 2,944 |
| Return on Equity (ROE) | 17.2200% | 1,139 |
| Retained earnings to average equity (ytd only) | 10.0587% | 1,685 |
| Net charge-offs to loans | 1.2302% | 64 |
| Credit loss provision to net charge-offs | 12.8972% | 1,394 |
| Earnings coverage of net charge-offs (x) | 1.6150% | 1,961 |
| Efficiency ratio | 70.8502% | 1,662 |
| Assets per employee ($millions) | 5.3343% | 3,380 |
| Cash dividends to net income (ytd only)* | 41.5987% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,596 |
| Loan loss allowance to noncurrent loans | 84.2730% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 763 |
| Noncurrent loans to loans | 1.1633% | 606 |
| Net loans and leases to total assets | 55.6300% | 3,062 |
| Net loans and leases to deposits | 59.8572% | 3,340 |
| Net loans and leases to core deposits | 68.7661% | 3,037 |
| Total domestic deposits to total assets | 92.9300% | 316 |
| Equity capital to assets | 5.0383% | 4,416 |
| Core capital (leverage) ratio | 9.3398% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2757% | 2,280 |
| Memoranda: | ||
| Average total assets | $307,117,000 | 2,426 |
| Average earning assets | $278,807,500 | 2,456 |
| Average equity | $14,236,500 | 3,367 |
| Average total loans | $173,956,500 | 2,516 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 1,516 |
| Cost of funding earning assets | 0.3331% | 1,828 |
| Net interest margin | 3.5534% | 1,513 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.5356% | 1,905 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9276% | 2,767 |
| Return on assets (ROA) | 0.9351% | 2,702 |
| Pretax return on assets | 1.1076% | 2,696 |
| Return on Equity (ROE) | 15.5900% | 1,062 |
| Retained earnings to average equity (ytd only) | -7.8498% | 4,654 |
| Net charge-offs to loans | 0.1519% | 430 |
| Credit loss provision to net charge-offs | 210.4396% | 954 |
| Earnings coverage of net charge-offs (x) | 16.2747% | 1,820 |
| Efficiency ratio | 66.7714% | 2,184 |
| Assets per employee ($millions) | 5.4391% | 3,283 |
| Cash dividends to net income (ytd only)* | 150.3417% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,726 |
| Loan loss allowance to noncurrent loans | 97.6263% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 829 |
| Noncurrent loans to loans | 1.1909% | 619 |
| Net loans and leases to total assets | 53.0100% | 3,188 |
| Net loans and leases to deposits | 56.4144% | 3,445 |
| Net loans and leases to core deposits | 63.0532% | 3,186 |
| Total domestic deposits to total assets | 93.9600% | 370 |
| Equity capital to assets | 4.2271% | 4,449 |
| Core capital (leverage) ratio | 9.0149% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3921% | 2,318 |
| Memoranda: | ||
| Average total assets | $312,980,000 | 2,401 |
| Average earning assets | $288,170,750 | 2,412 |
| Average equity | $18,768,500 | 3,089 |
| Average total loans | $159,737,500 | 2,548 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7153% | 1,501 |
| Cost of funding earning assets | 0.3172% | 1,554 |
| Net interest margin | 3.3981% | 1,615 |
| Noninterest income to average assets | 0.5001% | 2,205 |
| Noninterest expense to average assets | 2.4595% | 2,056 |
| Loan and lease loss provision to assets | 0.2000% | 411 |
| Net operating income to assets | 0.8445% | 2,801 |
| Return on assets (ROA) | 0.8549% | 2,732 |
| Pretax return on assets | 0.9918% | 2,764 |
| Return on Equity (ROE) | 12.9936% | 1,381 |
| Retained earnings to average equity (ytd only) | -18.9579% | 4,724 |
| Net charge-offs to loans | 0.3135% | 220 |
| Credit loss provision to net charge-offs | 127.1255% | 1,165 |
| Earnings coverage of net charge-offs (x) | 7.4980% | 1,853 |
| Efficiency ratio | 67.5827% | 2,299 |
| Assets per employee ($millions) | 5.4779% | 3,256 |
| Cash dividends to net income (ytd only)* | 245.9016% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 2,910 |
| Loan loss allowance to noncurrent loans | 88.0137% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 838 |
| Noncurrent loans to loans | 1.3113% | 600 |
| Net loans and leases to total assets | 49.3438% | 3,437 |
| Net loans and leases to deposits | 52.9406% | 3,612 |
| Net loans and leases to core deposits | 60.1060% | 3,266 |
| Total domestic deposits to total assets | 93.2059% | 465 |
| Equity capital to assets | 4.9759% | 4,481 |
| Core capital (leverage) ratio | 8.5834% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6905% | 2,214 |
| Memoranda: | ||
| Average total assets | $313,964,667 | 2,416 |
| Average earning assets | $290,046,333 | 2,431 |
| Average equity | $20,656,333 | 3,003 |
| Average total loans | $157,562,333 | 2,571 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 1,523 |
| Cost of funding earning assets | 0.3282% | 1,394 |
| Net interest margin | 3.2641% | 1,669 |
| Noninterest income to average assets | 0.4726% | 2,291 |
| Noninterest expense to average assets | 2.4483% | 2,023 |
| Loan and lease loss provision to assets | 0.3748% | 149 |
| Net operating income to assets | 0.5473% | 3,565 |
| Return on assets (ROA) | 0.5362% | 3,574 |
| Pretax return on assets | 0.6683% | 3,478 |
| Return on Equity (ROE) | 7.2708% | 2,949 |
| Retained earnings to average equity (ytd only) | -49.5865% | 4,778 |
| Net charge-offs to loans | 0.0732% | 628 |
| Credit loss provision to net charge-offs | 1,017.2414% | 324 |
| Earnings coverage of net charge-offs (x) | 28.6897% | 1,153 |
| Efficiency ratio | 69.8441% | 2,256 |
| Assets per employee ($millions) | 5.5691% | 3,250 |
| Cash dividends to net income (ytd only)* | 781.9905% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,611 |
| Loan loss allowance to noncurrent loans | 111.9328% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 1,038 |
| Noncurrent loans to loans | 1.1157% | 799 |
| Net loans and leases to total assets | 50.6591% | 3,109 |
| Net loans and leases to deposits | 55.0087% | 3,343 |
| Net loans and leases to core deposits | 62.5868% | 2,924 |
| Total domestic deposits to total assets | 92.0929% | 542 |
| Equity capital to assets | 6.0031% | 4,585 |
| Core capital (leverage) ratio | 8.0583% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2475% | 2,503 |
| Memoranda: | ||
| Average total assets | $314,826,000 | 2,422 |
| Average earning assets | $292,512,500 | 2,435 |
| Average equity | $23,216,000 | 2,891 |
| Average total loans | $158,408,000 | 2,566 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 1,972 |
| Cost of funding earning assets | 0.4170% | 1,420 |
| Net interest margin | 3.3376% | 2,217 |
| Noninterest income to average assets | 0.4918% | 2,610 |
| Noninterest expense to average assets | 2.5679% | 1,964 |
| Loan and lease loss provision to assets | 0.0932% | 1,338 |
| Net operating income to assets | 0.7483% | 3,496 |
| Return on assets (ROA) | 0.6926% | 3,703 |
| Pretax return on assets | 0.8549% | 3,609 |
| Return on Equity (ROE) | 7.5548% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.4381% | 3,036 |
| Net charge-offs to loans | 0.1664% | 578 |
| Credit loss provision to net charge-offs | 109.6899% | 1,707 |
| Earnings coverage of net charge-offs (x) | 11.9729% | 2,133 |
| Efficiency ratio | 70.9734% | 1,620 |
| Assets per employee ($millions) | 5.5751% | 3,190 |
| Cash dividends to net income (ytd only)* | 41.2548% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,336 |
| Loan loss allowance to noncurrent loans | 127.9173% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 1,541 |
| Noncurrent loans to loans | 0.8634% | 1,180 |
| Net loans and leases to total assets | 48.8056% | 3,427 |
| Net loans and leases to deposits | 54.5921% | 3,549 |
| Net loans and leases to core deposits | 63.8972% | 2,986 |
| Total domestic deposits to total assets | 89.4006% | 1,298 |
| Equity capital to assets | 8.7198% | 3,868 |
| Core capital (leverage) ratio | 9.1735% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0666% | 1,824 |
| Memoranda: | ||
| Average total assets | $303,785,200 | 2,419 |
| Average earning assets | $281,521,400 | 2,427 |
| Average equity | $27,850,000 | 2,660 |
| Average total loans | $155,017,200 | 2,587 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 2,194 |
| Cost of funding earning assets | 0.4387% | 1,431 |
| Net interest margin | 3.2925% | 2,437 |
| Noninterest income to average assets | 0.5248% | 2,518 |
| Noninterest expense to average assets | 2.5051% | 2,105 |
| Loan and lease loss provision to assets | 0.0746% | 1,557 |
| Net operating income to assets | 0.8545% | 3,379 |
| Return on assets (ROA) | 0.7606% | 3,686 |
| Pretax return on assets | 0.8818% | 3,734 |
| Return on Equity (ROE) | 8.1906% | 3,350 |
| Retained earnings to average equity (ytd only) | 4.0403% | 3,569 |
| Net charge-offs to loans | 0.2036% | 411 |
| Credit loss provision to net charge-offs | 71.1864% | 1,754 |
| Earnings coverage of net charge-offs (x) | 10.1695% | 2,045 |
| Efficiency ratio | 69.2614% | 1,677 |
| Assets per employee ($millions) | 5.4672% | 3,227 |
| Cash dividends to net income (ytd only)* | 50.6713% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,735 |
| Loan loss allowance to noncurrent loans | 88.3082% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 1,285 |
| Noncurrent loans to loans | 1.1679% | 953 |
| Net loans and leases to total assets | 50.4675% | 3,353 |
| Net loans and leases to deposits | 56.7007% | 3,517 |
| Net loans and leases to core deposits | 65.2516% | 3,015 |
| Total domestic deposits to total assets | 89.0068% | 1,271 |
| Equity capital to assets | 9.0431% | 3,789 |
| Core capital (leverage) ratio | 9.1749% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6369% | 2,112 |
| Memoranda: | ||
| Average total assets | $300,286,250 | 2,457 |
| Average earning assets | $277,797,750 | 2,463 |
| Average equity | $27,885,000 | 2,689 |
| Average total loans | $154,564,750 | 2,631 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 2,161 |
| Cost of funding earning assets | 0.4530% | 1,498 |
| Net interest margin | 3.3111% | 2,410 |
| Noninterest income to average assets | 0.5059% | 2,598 |
| Noninterest expense to average assets | 2.4951% | 2,161 |
| Loan and lease loss provision to assets | 0.0587% | 1,860 |
| Net operating income to assets | 0.8554% | 3,350 |
| Return on assets (ROA) | 0.7069% | 3,812 |
| Pretax return on assets | 0.8344% | 3,796 |
| Return on Equity (ROE) | 7.5433% | 3,518 |
| Retained earnings to average equity (ytd only) | 5.5711% | 2,970 |
| Net charge-offs to loans | 0.2443% | 357 |
| Credit loss provision to net charge-offs | 46.5241% | 1,620 |
| Earnings coverage of net charge-offs (x) | 8.4652% | 1,880 |
| Efficiency ratio | 68.6672% | 1,801 |
| Assets per employee ($millions) | 5.4050% | 3,236 |
| Cash dividends to net income (ytd only)* | 26.1450% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 3,765 |
| Loan loss allowance to noncurrent loans | 212.2853% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 2,706 |
| Noncurrent loans to loans | 0.4791% | 2,235 |
| Net loans and leases to total assets | 50.7659% | 3,476 |
| Net loans and leases to deposits | 57.0721% | 3,628 |
| Net loans and leases to core deposits | 65.6072% | 3,147 |
| Total domestic deposits to total assets | 88.9504% | 1,306 |
| Equity capital to assets | 9.0683% | 3,738 |
| Core capital (leverage) ratio | 9.2451% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,505,000 | 2,467 |
| Average earning assets | $273,748,333 | 2,483 |
| Average equity | $27,786,333 | 2,688 |
| Average total loans | $153,116,000 | 2,652 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 2,731 |
| Cost of funding earning assets | 0.4746% | 1,564 |
| Net interest margin | 3.0968% | 2,997 |
| Noninterest income to average assets | 0.5063% | 2,580 |
| Noninterest expense to average assets | 2.5840% | 1,920 |
| Loan and lease loss provision to assets | 0.0592% | 1,943 |
| Net operating income to assets | 0.5397% | 4,095 |
| Return on assets (ROA) | 0.3963% | 4,390 |
| Pretax return on assets | 0.5366% | 4,294 |
| Return on Equity (ROE) | 4.1573% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.1797% | 3,972 |
| Net charge-offs to loans | 0.2761% | 311 |
| Credit loss provision to net charge-offs | 41.3462% | 1,348 |
| Earnings coverage of net charge-offs (x) | 5.4327% | 1,680 |
| Efficiency ratio | 73.9255% | 1,319 |
| Assets per employee ($millions) | 5.4243% | 3,191 |
| Cash dividends to net income (ytd only)* | 47.5694% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,668 |
| Loan loss allowance to noncurrent loans | 90.4396% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 1,590 |
| Noncurrent loans to loans | 1.1570% | 1,147 |
| Net loans and leases to total assets | 51.2446% | 3,517 |
| Net loans and leases to deposits | 57.5317% | 3,674 |
| Net loans and leases to core deposits | 66.0080% | 3,239 |
| Total domestic deposits to total assets | 89.0719% | 1,303 |
| Equity capital to assets | 8.8850% | 3,802 |
| Core capital (leverage) ratio | 9.4635% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6462% | 2,022 |
| Memoranda: | ||
| Average total assets | $290,716,000 | 2,484 |
| Average earning assets | $268,021,000 | 2,501 |
| Average equity | $27,710,500 | 2,691 |
| Average total loans | $150,670,000 | 2,682 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,136 |
| Cost of funding earning assets | 0.6920% | 1,760 |
| Net interest margin | 3.5077% | 2,448 |
| Noninterest income to average assets | 0.5225% | 2,534 |
| Noninterest expense to average assets | 3.2007% | 1,058 |
| Loan and lease loss provision to assets | 0.1253% | 2,795 |
| Net operating income to assets | 0.3139% | 4,416 |
| Return on assets (ROA) | 0.4085% | 4,307 |
| Pretax return on assets | 0.5425% | 4,196 |
| Return on Equity (ROE) | 3.8068% | 4,199 |
| Retained earnings to average equity (ytd only) | 1.8788% | 3,878 |
| Net charge-offs to loans | 0.2739% | 626 |
| Credit loss provision to net charge-offs | 81.5725% | 2,978 |
| Earnings coverage of net charge-offs (x) | 3.5676% | 3,073 |
| Efficiency ratio | 82.4773% | 718 |
| Assets per employee ($millions) | 4.9584% | 3,433 |
| Cash dividends to net income (ytd only)* | 50.6470% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,027 |
| Loan loss allowance to noncurrent loans | 195.9816% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 2,744 |
| Noncurrent loans to loans | 0.6047% | 2,185 |
| Net loans and leases to total assets | 51.2571% | 3,726 |
| Net loans and leases to deposits | 58.3300% | 3,875 |
| Net loans and leases to core deposits | 67.2626% | 3,458 |
| Total domestic deposits to total assets | 87.8742% | 1,546 |
| Equity capital to assets | 10.2394% | 2,888 |
| Core capital (leverage) ratio | 9.9159% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9296% | 1,554 |
| Memoranda: | ||
| Average total assets | $264,878,200 | 2,492 |
| Average earning assets | $243,632,600 | 2,504 |
| Average equity | $28,422,600 | 2,577 |
| Average total loans | $148,620,800 | 2,675 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 1,940 |
| Cost of funding earning assets | 0.7311% | 1,851 |
| Net interest margin | 3.6359% | 2,137 |
| Noninterest income to average assets | 0.5513% | 2,385 |
| Noninterest expense to average assets | 3.0230% | 1,393 |
| Loan and lease loss provision to assets | 0.1540% | 2,473 |
| Net operating income to assets | 0.5591% | 3,885 |
| Return on assets (ROA) | 0.6843% | 3,616 |
| Pretax return on assets | 0.8830% | 3,426 |
| Return on Equity (ROE) | 6.3005% | 3,447 |
| Retained earnings to average equity (ytd only) | 4.3724% | 2,861 |
| Net charge-offs to loans | 0.1852% | 807 |
| Credit loss provision to net charge-offs | 145.1923% | 2,353 |
| Earnings coverage of net charge-offs (x) | 8.2885% | 2,510 |
| Efficiency ratio | 74.6637% | 1,343 |
| Assets per employee ($millions) | 4.9264% | 3,346 |
| Cash dividends to net income (ytd only)* | 30.6031% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,396 |
| Loan loss allowance to noncurrent loans | 194.0021% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 2,741 |
| Noncurrent loans to loans | 0.6438% | 2,184 |
| Net loans and leases to total assets | 53.7656% | 3,822 |
| Net loans and leases to deposits | 61.3003% | 3,970 |
| Net loans and leases to core deposits | 70.6090% | 3,582 |
| Total domestic deposits to total assets | 87.7085% | 1,338 |
| Equity capital to assets | 10.4737% | 2,816 |
| Core capital (leverage) ratio | 10.0849% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,679,500 | 2,497 |
| Average earning assets | $241,104,750 | 2,509 |
| Average equity | $28,420,250 | 2,565 |
| Average total loans | $149,767,500 | 2,672 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,591 |
| Cost of funding earning assets | 0.7658% | 2,015 |
| Net interest margin | 3.8628% | 1,660 |
| Noninterest income to average assets | 0.5604% | 2,297 |
| Noninterest expense to average assets | 3.0497% | 1,465 |
| Loan and lease loss provision to assets | 0.1526% | 2,480 |
| Net operating income to assets | 0.7100% | 3,364 |
| Return on assets (ROA) | 0.8835% | 2,873 |
| Pretax return on assets | 1.1310% | 2,612 |
| Return on Equity (ROE) | 8.0320% | 2,733 |
| Retained earnings to average equity (ytd only) | 6.0930% | 2,037 |
| Net charge-offs to loans | 0.0869% | 1,380 |
| Credit loss provision to net charge-offs | 301.5385% | 1,613 |
| Earnings coverage of net charge-offs (x) | 21.0308% | 1,668 |
| Efficiency ratio | 71.4096% | 1,775 |
| Assets per employee ($millions) | 4.8045% | 3,409 |
| Cash dividends to net income (ytd only)* | 24.1410% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,267 |
| Loan loss allowance to noncurrent loans | 52.4253% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 764 |
| Noncurrent loans to loans | 2.3809% | 512 |
| Net loans and leases to total assets | 55.2657% | 3,754 |
| Net loans and leases to deposits | 63.0566% | 3,950 |
| Net loans and leases to core deposits | 72.5713% | 3,555 |
| Total domestic deposits to total assets | 87.6446% | 1,354 |
| Equity capital to assets | 10.5413% | 2,716 |
| Core capital (leverage) ratio | 10.3699% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3461% | 1,678 |
| Memoranda: | ||
| Average total assets | $256,945,667 | 2,498 |
| Average earning assets | $236,354,000 | 2,514 |
| Average equity | $28,262,000 | 2,568 |
| Average total loans | $149,621,667 | 2,659 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 2,102 |
| Cost of funding earning assets | 0.8065% | 2,349 |
| Net interest margin | 3.7623% | 2,106 |
| Noninterest income to average assets | 0.6342% | 1,885 |
| Noninterest expense to average assets | 3.0488% | 1,768 |
| Loan and lease loss provision to assets | 0.0177% | 3,574 |
| Net operating income to assets | 0.8676% | 2,626 |
| Return on assets (ROA) | 0.8676% | 2,733 |
| Pretax return on assets | 1.0222% | 2,771 |
| Return on Equity (ROE) | 7.7113% | 2,635 |
| Retained earnings to average equity (ytd only) | 5.7513% | 1,975 |
| Net charge-offs to loans | 0.1218% | 978 |
| Credit loss provision to net charge-offs | 24.4444% | 2,180 |
| Earnings coverage of net charge-offs (x) | 14.3556% | 1,600 |
| Efficiency ratio | 71.7323% | 2,119 |
| Assets per employee ($millions) | 4.4377% | 3,349 |
| Cash dividends to net income (ytd only)* | 25.4174% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,779 |
| Loan loss allowance to noncurrent loans | 57.0310% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 1,020 |
| Noncurrent loans to loans | 2.0689% | 669 |
| Net loans and leases to total assets | 57.8755% | 3,679 |
| Net loans and leases to deposits | 66.5193% | 3,834 |
| Net loans and leases to core deposits | 77.2382% | 3,404 |
| Total domestic deposits to total assets | 87.0056% | 1,553 |
| Equity capital to assets | 11.2007% | 2,677 |
| Core capital (leverage) ratio | 10.8556% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,490,000 | 2,503 |
| Average earning assets | $228,158,500 | 2,512 |
| Average equity | $27,959,000 | 2,579 |
| Average total loans | $147,801,500 | 2,660 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 2,020 |
| Cost of funding earning assets | 0.8022% | 2,675 |
| Net interest margin | 4.0062% | 1,840 |
| Noninterest income to average assets | 0.6639% | 1,947 |
| Noninterest expense to average assets | 3.2528% | 1,402 |
| Loan and lease loss provision to assets | 0.1181% | 1,792 |
| Net operating income to assets | 0.8617% | 3,351 |
| Return on assets (ROA) | 0.8661% | 3,423 |
| Pretax return on assets | 0.9688% | 3,544 |
| Return on Equity (ROE) | 7.9976% | 3,159 |
| Retained earnings to average equity (ytd only) | 3.6964% | 3,147 |
| Net charge-offs to loans | 0.0721% | 2,065 |
| Credit loss provision to net charge-offs | 272.8972% | 1,027 |
| Earnings coverage of net charge-offs (x) | 25.0093% | 1,749 |
| Efficiency ratio | 72.3533% | 1,820 |
| Assets per employee ($millions) | 4.2813% | 3,533 |
| Cash dividends to net income (ytd only)* | 53.7815% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,391 |
| Loan loss allowance to noncurrent loans | 83.4660% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 1,459 |
| Noncurrent loans to loans | 1.4479% | 1,012 |
| Net loans and leases to total assets | 59.6963% | 3,615 |
| Net loans and leases to deposits | 68.7300% | 3,754 |
| Net loans and leases to core deposits | 79.2797% | 3,360 |
| Total domestic deposits to total assets | 86.8562% | 1,682 |
| Equity capital to assets | 11.3043% | 2,702 |
| Core capital (leverage) ratio | 10.8017% | 2,675 |
| Tier 1 risk-based capital ratio | 14.5977% | 2,965 |
| Total risk-based capital ratio | 15.6896% | 2,946 |
| Memoranda: | ||
| Average total assets | $247,325,000 | 2,480 |
| Average earning assets | $226,625,000 | 2,486 |
| Average equity | $26,783,000 | 2,575 |
| Average total loans | $148,323,000 | 2,638 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 2,044 |
| Cost of funding earning assets | 0.7858% | 2,782 |
| Net interest margin | 4.0401% | 1,803 |
| Noninterest income to average assets | 0.6609% | 1,946 |
| Noninterest expense to average assets | 3.1996% | 1,470 |
| Loan and lease loss provision to assets | 0.1247% | 1,563 |
| Net operating income to assets | 0.8121% | 3,637 |
| Return on assets (ROA) | 0.8172% | 3,699 |
| Pretax return on assets | 1.0418% | 3,471 |
| Return on Equity (ROE) | 7.6290% | 3,465 |
| Retained earnings to average equity (ytd only) | 3.7668% | 3,509 |
| Net charge-offs to loans | 0.0530% | 2,078 |
| Credit loss provision to net charge-offs | 393.2203% | 771 |
| Earnings coverage of net charge-offs (x) | 36.5953% | 1,447 |
| Efficiency ratio | 70.7296% | 2,014 |
| Assets per employee ($millions) | 4.3915% | 3,351 |
| Cash dividends to net income (ytd only)* | 50.6245% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,625 |
| Loan loss allowance to noncurrent loans | 169.8656% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 2,818 |
| Noncurrent loans to loans | 0.6935% | 2,225 |
| Net loans and leases to total assets | 60.3781% | 3,642 |
| Net loans and leases to deposits | 69.6949% | 3,785 |
| Net loans and leases to core deposits | 80.2823% | 3,370 |
| Total domestic deposits to total assets | 86.6319% | 1,718 |
| Equity capital to assets | 11.1247% | 2,989 |
| Core capital (leverage) ratio | 10.4471% | 3,150 |
| Tier 1 risk-based capital ratio | 14.0612% | 3,296 |
| Total risk-based capital ratio | 15.0196% | 3,346 |
| Memoranda: | ||
| Average total assets | $248,148,250 | 2,492 |
| Average earning assets | $227,183,000 | 2,510 |
| Average equity | $26,582,250 | 2,604 |
| Average total loans | $148,538,750 | 2,663 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 2,046 |
| Cost of funding earning assets | 0.7597% | 2,845 |
| Net interest margin | 4.0453% | 1,780 |
| Noninterest income to average assets | 0.6380% | 1,982 |
| Noninterest expense to average assets | 3.1725% | 1,563 |
| Loan and lease loss provision to assets | 0.1374% | 1,346 |
| Net operating income to assets | 0.8220% | 3,578 |
| Return on assets (ROA) | 0.8220% | 3,634 |
| Pretax return on assets | 1.0125% | 3,498 |
| Return on Equity (ROE) | 7.7725% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.6907% | 2,424 |
| Net charge-offs to loans | 0.0460% | 1,995 |
| Credit loss provision to net charge-offs | 502.9412% | 588 |
| Earnings coverage of net charge-offs (x) | 42.0882% | 1,211 |
| Efficiency ratio | 70.7195% | 2,115 |
| Assets per employee ($millions) | 4.4592% | 3,205 |
| Cash dividends to net income (ytd only)* | 26.7840% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,776 |
| Loan loss allowance to noncurrent loans | 120.4167% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 2,317 |
| Noncurrent loans to loans | 0.9568% | 1,706 |
| Net loans and leases to total assets | 58.5301% | 3,861 |
| Net loans and leases to deposits | 67.0457% | 4,020 |
| Net loans and leases to core deposits | 76.6915% | 3,671 |
| Total domestic deposits to total assets | 87.2988% | 1,443 |
| Equity capital to assets | 10.7187% | 3,327 |
| Core capital (leverage) ratio | 10.4444% | 3,148 |
| Tier 1 risk-based capital ratio | 13.8096% | 3,419 |
| Total risk-based capital ratio | 14.7274% | 3,492 |
| Memoranda: | ||
| Average total assets | $248,890,330 | 2,498 |
| Average earning assets | $226,681,330 | 2,527 |
| Average equity | $26,323,670 | 2,612 |
| Average total loans | $147,967,330 | 2,681 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 2,056 |
| Cost of funding earning assets | 0.7317% | 2,880 |
| Net interest margin | 4.0156% | 1,805 |
| Noninterest income to average assets | 0.6254% | 1,936 |
| Noninterest expense to average assets | 3.1805% | 1,541 |
| Loan and lease loss provision to assets | 0.1397% | 1,234 |
| Net operating income to assets | 0.7976% | 3,631 |
| Return on assets (ROA) | 0.7976% | 3,675 |
| Pretax return on assets | 0.9600% | 3,586 |
| Return on Equity (ROE) | 7.5937% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.4749% | 2,705 |
| Net charge-offs to loans | 0.0382% | 1,728 |
| Credit loss provision to net charge-offs | 614.2857% | 531 |
| Earnings coverage of net charge-offs (x) | 48.3571% | 1,051 |
| Efficiency ratio | 71.5750% | 2,100 |
| Assets per employee ($millions) | 4.3990% | 3,335 |
| Cash dividends to net income (ytd only)* | 27.9022% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 2,952 |
| Loan loss allowance to noncurrent loans | 143.3849% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,552 |
| Noncurrent loans to loans | 0.7899% | 2,065 |
| Net loans and leases to total assets | 58.1049% | 3,876 |
| Net loans and leases to deposits | 66.4020% | 4,024 |
| Net loans and leases to core deposits | 75.6506% | 3,682 |
| Total domestic deposits to total assets | 87.5047% | 1,567 |
| Equity capital to assets | 10.5052% | 3,340 |
| Core capital (leverage) ratio | 10.3633% | 3,207 |
| Tier 1 risk-based capital ratio | 14.1964% | 3,245 |
| Total risk-based capital ratio | 15.1308% | 3,319 |
| Memoranda: | ||
| Average total assets | $246,249,500 | 2,541 |
| Average earning assets | $224,124,500 | 2,564 |
| Average equity | $25,863,500 | 2,654 |
| Average total loans | $146,700,500 | 2,725 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 1,753 |
| Cost of funding earning assets | 0.5317% | 3,168 |
| Net interest margin | 4.1910% | 1,414 |
| Noninterest income to average assets | 0.7018% | 1,848 |
| Noninterest expense to average assets | 3.3464% | 1,229 |
| Loan and lease loss provision to assets | 0.1335% | 1,631 |
| Net operating income to assets | 0.8506% | 3,605 |
| Return on assets (ROA) | 0.8506% | 3,602 |
| Pretax return on assets | 0.9965% | 3,614 |
| Return on Equity (ROE) | 8.4179% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.1829% | 2,102 |
| Net charge-offs to loans | 0.1319% | 1,430 |
| Credit loss provision to net charge-offs | 170.5263% | 1,635 |
| Earnings coverage of net charge-offs (x) | 14.4316% | 2,379 |
| Efficiency ratio | 72.1046% | 1,879 |
| Assets per employee ($millions) | 4.2413% | 3,555 |
| Cash dividends to net income (ytd only)* | 26.5504% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,155 |
| Loan loss allowance to noncurrent loans | 129.3355% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 2,283 |
| Noncurrent loans to loans | 0.8450% | 1,911 |
| Net loans and leases to total assets | 59.7470% | 3,806 |
| Net loans and leases to deposits | 68.2431% | 3,959 |
| Net loans and leases to core deposits | 77.2599% | 3,626 |
| Total domestic deposits to total assets | 87.5503% | 1,508 |
| Equity capital to assets | 10.5007% | 3,190 |
| Core capital (leverage) ratio | 10.4575% | 3,076 |
| Tier 1 risk-based capital ratio | 14.3824% | 3,119 |
| Total risk-based capital ratio | 15.2951% | 3,203 |
| Memoranda: | ||
| Average total assets | $242,647,000 | 2,526 |
| Average earning assets | $218,540,600 | 2,573 |
| Average equity | $24,519,200 | 2,676 |
| Average total loans | $144,023,000 | 2,723 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 1,605 |
| Cost of funding earning assets | 0.4844% | 3,299 |
| Net interest margin | 4.2395% | 1,261 |
| Noninterest income to average assets | 0.6928% | 1,894 |
| Noninterest expense to average assets | 3.2829% | 1,333 |
| Loan and lease loss provision to assets | 0.1334% | 1,510 |
| Net operating income to assets | 0.8646% | 3,682 |
| Return on assets (ROA) | 0.8646% | 3,688 |
| Pretax return on assets | 1.0870% | 3,447 |
| Return on Equity (ROE) | 8.6409% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.3805% | 2,443 |
| Net charge-offs to loans | 0.1282% | 1,239 |
| Credit loss provision to net charge-offs | 176.0870% | 1,526 |
| Earnings coverage of net charge-offs (x) | 16.1083% | 2,184 |
| Efficiency ratio | 70.2670% | 2,152 |
| Assets per employee ($millions) | 4.2903% | 3,437 |
| Cash dividends to net income (ytd only)* | 26.1587% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,339 |
| Loan loss allowance to noncurrent loans | 37.9477% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.7166% | 705 |
| Noncurrent loans to loans | 2.8260% | 411 |
| Net loans and leases to total assets | 59.1489% | 3,939 |
| Net loans and leases to deposits | 67.4372% | 4,096 |
| Net loans and leases to core deposits | 75.7280% | 3,823 |
| Total domestic deposits to total assets | 87.7096% | 1,391 |
| Equity capital to assets | 9.9559% | 3,692 |
| Core capital (leverage) ratio | 10.1942% | 3,416 |
| Tier 1 risk-based capital ratio | 13.3667% | 3,697 |
| Total risk-based capital ratio | 14.2564% | 3,811 |
| Memoranda: | ||
| Average total assets | $242,869,750 | 2,530 |
| Average earning assets | $218,291,500 | 2,590 |
| Average equity | $24,302,500 | 2,709 |
| Average total loans | $143,519,250 | 2,744 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 1,613 |
| Cost of funding earning assets | 0.4575% | 3,304 |
| Net interest margin | 4.2030% | 1,286 |
| Noninterest income to average assets | 0.6826% | 1,945 |
| Noninterest expense to average assets | 3.2223% | 1,483 |
| Loan and lease loss provision to assets | 0.1337% | 1,476 |
| Net operating income to assets | 0.8510% | 3,670 |
| Return on assets (ROA) | 0.8510% | 3,670 |
| Pretax return on assets | 1.0953% | 3,336 |
| Return on Equity (ROE) | 8.4899% | 3,272 |
| Retained earnings to average equity (ytd only) | 6.2336% | 2,445 |
| Net charge-offs to loans | 0.1739% | 892 |
| Credit loss provision to net charge-offs | 130.6452% | 1,717 |
| Earnings coverage of net charge-offs (x) | 12.0081% | 2,230 |
| Efficiency ratio | 69.7200% | 2,363 |
| Assets per employee ($millions) | 4.2707% | 3,469 |
| Cash dividends to net income (ytd only)* | 26.5761% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,553 |
| Loan loss allowance to noncurrent loans | 43.5199% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 953 |
| Noncurrent loans to loans | 2.4059% | 548 |
| Net loans and leases to total assets | 57.2674% | 4,063 |
| Net loans and leases to deposits | 64.8712% | 4,223 |
| Net loans and leases to core deposits | 72.9781% | 3,943 |
| Total domestic deposits to total assets | 88.2786% | 1,231 |
| Equity capital to assets | 9.8203% | 3,804 |
| Core capital (leverage) ratio | 10.0387% | 3,536 |
| Tier 1 risk-based capital ratio | 13.4052% | 3,669 |
| Total risk-based capital ratio | 14.2882% | 3,790 |
| Memoranda: | ||
| Average total assets | $242,310,000 | 2,549 |
| Average earning assets | $217,274,000 | 2,608 |
| Average equity | $24,287,670 | 2,726 |
| Average total loans | $142,620,330 | 2,768 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 1,354 |
| Cost of funding earning assets | 0.4537% | 3,180 |
| Net interest margin | 4.2250% | 1,111 |
| Noninterest income to average assets | 0.6510% | 2,027 |
| Noninterest expense to average assets | 3.3387% | 1,273 |
| Loan and lease loss provision to assets | 0.0935% | 1,954 |
| Net operating income to assets | 0.7846% | 3,775 |
| Return on assets (ROA) | 0.7846% | 3,770 |
| Pretax return on assets | 0.9966% | 3,545 |
| Return on Equity (ROE) | 7.7465% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.4885% | 2,957 |
| Net charge-offs to loans | 0.0141% | 2,263 |
| Credit loss provision to net charge-offs | 1,120.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 130.6000% | 497 |
| Efficiency ratio | 72.6724% | 2,094 |
| Assets per employee ($millions) | 4.2752% | 3,524 |
| Cash dividends to net income (ytd only)* | 29.1489% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,548 |
| Loan loss allowance to noncurrent loans | 56.3454% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 1,361 |
| Noncurrent loans to loans | 1.8993% | 861 |
| Net loans and leases to total assets | 57.4334% | 3,997 |
| Net loans and leases to deposits | 65.0528% | 4,149 |
| Net loans and leases to core deposits | 72.1784% | 3,938 |
| Total domestic deposits to total assets | 88.2873% | 1,469 |
| Equity capital to assets | 9.8537% | 3,748 |
| Core capital (leverage) ratio | 9.8512% | 3,711 |
| Tier 1 risk-based capital ratio | 13.2275% | 3,831 |
| Total risk-based capital ratio | 14.0694% | 3,939 |
| Memoranda: | ||
| Average total assets | $239,614,500 | 2,590 |
| Average earning assets | $214,246,000 | 2,655 |
| Average equity | $24,269,000 | 2,750 |
| Average total loans | $142,254,000 | 2,786 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,362 |
| Cost of funding earning assets | 0.4147% | 3,102 |
| Net interest margin | 4.2097% | 1,172 |
| Noninterest income to average assets | 0.6939% | 1,992 |
| Noninterest expense to average assets | 3.3778% | 1,238 |
| Loan and lease loss provision to assets | 0.1330% | 1,726 |
| Net operating income to assets | 0.7578% | 3,355 |
| Return on assets (ROA) | 0.7588% | 3,391 |
| Pretax return on assets | 0.9736% | 3,664 |
| Return on Equity (ROE) | 7.5030% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.2073% | 1,998 |
| Net charge-offs to loans | 0.1243% | 1,809 |
| Credit loss provision to net charge-offs | 185.7988% | 1,461 |
| Earnings coverage of net charge-offs (x) | 15.4379% | 2,247 |
| Efficiency ratio | 72.6233% | 2,137 |
| Assets per employee ($millions) | 4.2062% | 3,643 |
| Cash dividends to net income (ytd only)* | 30.5974% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,796 |
| Loan loss allowance to noncurrent loans | 157.8834% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,181 |
| Noncurrent loans to loans | 0.6474% | 2,602 |
| Net loans and leases to total assets | 60.1057% | 3,816 |
| Net loans and leases to deposits | 69.2930% | 3,927 |
| Net loans and leases to core deposits | 77.8326% | 3,599 |
| Total domestic deposits to total assets | 86.7414% | 2,119 |
| Equity capital to assets | 10.4124% | 3,250 |
| Core capital (leverage) ratio | 10.0202% | 3,430 |
| Tier 1 risk-based capital ratio | 13.1962% | 3,795 |
| Total risk-based capital ratio | 14.0859% | 3,908 |
| Memoranda: | ||
| Average total assets | $236,041,800 | 2,599 |
| Average earning assets | $212,462,000 | 2,638 |
| Average equity | $23,870,400 | 2,774 |
| Average total loans | $135,912,600 | 2,836 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,429 |
| Cost of funding earning assets | 0.3995% | 3,195 |
| Net interest margin | 4.1786% | 1,207 |
| Noninterest income to average assets | 0.7108% | 1,953 |
| Noninterest expense to average assets | 3.4461% | 1,073 |
| Loan and lease loss provision to assets | 0.1739% | 1,157 |
| Net operating income to assets | 0.6219% | 4,309 |
| Return on assets (ROA) | 0.6272% | 4,338 |
| Pretax return on assets | 0.8660% | 4,153 |
| Return on Equity (ROE) | 6.2485% | 4,010 |
| Retained earnings to average equity (ytd only) | 3.9313% | 3,584 |
| Net charge-offs to loans | 0.1093% | 1,697 |
| Credit loss provision to net charge-offs | 280.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | 16.6276% | 2,158 |
| Efficiency ratio | 74.2216% | 1,860 |
| Assets per employee ($millions) | 4.2506% | 3,563 |
| Cash dividends to net income (ytd only)* | 37.0836% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,576 |
| Loan loss allowance to noncurrent loans | 167.6991% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 3,361 |
| Noncurrent loans to loans | 0.6470% | 2,775 |
| Net loans and leases to total assets | 58.0652% | 4,050 |
| Net loans and leases to deposits | 67.6763% | 4,131 |
| Net loans and leases to core deposits | 75.8374% | 3,811 |
| Total domestic deposits to total assets | 85.7984% | 2,390 |
| Equity capital to assets | 10.2102% | 3,683 |
| Core capital (leverage) ratio | 9.8470% | 3,758 |
| Tier 1 risk-based capital ratio | 13.2581% | 3,839 |
| Total risk-based capital ratio | 14.1911% | 3,961 |
| Memoranda: | ||
| Average total assets | $236,166,000 | 2,618 |
| Average earning assets | $212,953,750 | 2,658 |
| Average equity | $23,706,500 | 2,810 |
| Average total loans | $134,131,250 | 2,877 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,484 |
| Cost of funding earning assets | 0.3801% | 3,289 |
| Net interest margin | 4.1320% | 1,248 |
| Noninterest income to average assets | 0.7175% | 1,914 |
| Noninterest expense to average assets | 3.4440% | 1,089 |
| Loan and lease loss provision to assets | 0.1460% | 1,394 |
| Net operating income to assets | 0.6356% | 4,140 |
| Return on assets (ROA) | 0.6343% | 4,192 |
| Pretax return on assets | 0.8457% | 4,109 |
| Return on Equity (ROE) | 6.3555% | 3,889 |
| Retained earnings to average equity (ytd only) | 4.0243% | 3,316 |
| Net charge-offs to loans | 0.1497% | 1,257 |
| Credit loss provision to net charge-offs | 173.7374% | 1,385 |
| Earnings coverage of net charge-offs (x) | 11.8182% | 2,239 |
| Efficiency ratio | 74.8565% | 1,873 |
| Assets per employee ($millions) | 4.3434% | 3,356 |
| Cash dividends to net income (ytd only)* | 36.6801% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 4,111 |
| Loan loss allowance to noncurrent loans | 182.7858% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,610 |
| Noncurrent loans to loans | 0.5501% | 3,094 |
| Net loans and leases to total assets | 57.3279% | 4,093 |
| Net loans and leases to deposits | 65.6806% | 4,243 |
| Net loans and leases to core deposits | 73.9351% | 3,943 |
| Total domestic deposits to total assets | 87.2828% | 1,815 |
| Equity capital to assets | 10.0951% | 3,801 |
| Core capital (leverage) ratio | 9.7121% | 3,882 |
| Tier 1 risk-based capital ratio | 13.0207% | 3,983 |
| Total risk-based capital ratio | 14.1324% | 3,987 |
| Memoranda: | ||
| Average total assets | $235,542,670 | 2,635 |
| Average earning assets | $212,052,670 | 2,676 |
| Average equity | $23,507,330 | 2,831 |
| Average total loans | $132,264,330 | 2,905 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,426 |
| Cost of funding earning assets | 0.3608% | 3,408 |
| Net interest margin | 4.1191% | 1,173 |
| Noninterest income to average assets | 0.7030% | 1,957 |
| Noninterest expense to average assets | 3.4566% | 1,104 |
| Loan and lease loss provision to assets | 0.0445% | 2,907 |
| Net operating income to assets | 0.6919% | 3,747 |
| Return on assets (ROA) | 0.6893% | 3,789 |
| Pretax return on assets | 0.8894% | 3,811 |
| Return on Equity (ROE) | 6.9474% | 3,428 |
| Retained earnings to average equity (ytd only) | 4.5856% | 3,131 |
| Net charge-offs to loans | 0.1145% | 1,253 |
| Credit loss provision to net charge-offs | 70.2703% | 1,833 |
| Earnings coverage of net charge-offs (x) | 14.8108% | 1,706 |
| Efficiency ratio | 75.8661% | 1,927 |
| Assets per employee ($millions) | 4.2772% | 3,533 |
| Cash dividends to net income (ytd only)* | 33.9950% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 4,304 |
| Loan loss allowance to noncurrent loans | 167.5641% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,644 |
| Noncurrent loans to loans | 0.5956% | 3,031 |
| Net loans and leases to total assets | 55.1091% | 4,244 |
| Net loans and leases to deposits | 62.4831% | 4,404 |
| Net loans and leases to core deposits | 70.3572% | 4,122 |
| Total domestic deposits to total assets | 88.1984% | 1,596 |
| Equity capital to assets | 9.9197% | 3,853 |
| Core capital (leverage) ratio | 9.6178% | 3,970 |
| Tier 1 risk-based capital ratio | 13.1880% | 3,961 |
| Total risk-based capital ratio | 13.9659% | 4,147 |
| Memoranda: | ||
| Average total assets | $233,869,500 | 2,674 |
| Average earning assets | $209,559,000 | 2,728 |
| Average equity | $23,203,000 | 2,868 |
| Average total loans | $129,226,000 | 2,973 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 1,750 |
| Cost of funding earning assets | 0.3496% | 3,523 |
| Net interest margin | 4.0787% | 1,429 |
| Noninterest income to average assets | 0.6284% | 2,513 |
| Noninterest expense to average assets | 3.3635% | 1,431 |
| Loan and lease loss provision to assets | 0.0784% | 2,797 |
| Net operating income to assets | 0.6725% | 3,901 |
| Return on assets (ROA) | 0.6829% | 3,974 |
| Pretax return on assets | 0.8709% | 3,940 |
| Return on Equity (ROE) | 6.4827% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.2926% | 2,848 |
| Net charge-offs to loans | 0.2148% | 1,289 |
| Credit loss provision to net charge-offs | 69.7761% | 3,136 |
| Earnings coverage of net charge-offs (x) | 8.3246% | 2,883 |
| Efficiency ratio | 75.4220% | 2,073 |
| Assets per employee ($millions) | 4.3054% | 3,428 |
| Cash dividends to net income (ytd only)* | 33.7838% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,118 |
| Loan loss allowance to noncurrent loans | 200.3040% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 3,003 |
| Noncurrent loans to loans | 0.5161% | 3,301 |
| Net loans and leases to total assets | 54.2748% | 4,423 |
| Net loans and leases to deposits | 62.1437% | 4,532 |
| Net loans and leases to core deposits | 69.5620% | 4,276 |
| Total domestic deposits to total assets | 87.3376% | 1,963 |
| Equity capital to assets | 9.9230% | 3,796 |
| Core capital (leverage) ratio | 9.4519% | 4,153 |
| Tier 1 risk-based capital ratio | 13.5974% | 3,707 |
| Total risk-based capital ratio | 14.4689% | 3,857 |
| Memoranda: | ||
| Average total assets | $238,379,600 | 2,596 |
| Average earning assets | $214,551,600 | 2,653 |
| Average equity | $25,113,000 | 2,708 |
| Average total loans | $124,746,800 | 2,998 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 1,842 |
| Cost of funding earning assets | 0.3462% | 3,573 |
| Net interest margin | 4.0609% | 1,501 |
| Noninterest income to average assets | 0.6243% | 2,552 |
| Noninterest expense to average assets | 3.3075% | 1,547 |
| Loan and lease loss provision to assets | 0.0989% | 2,248 |
| Net operating income to assets | 0.6598% | 4,036 |
| Return on assets (ROA) | 0.6732% | 4,113 |
| Pretax return on assets | 0.8939% | 3,999 |
| Return on Equity (ROE) | 6.3013% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.1575% | 3,359 |
| Net charge-offs to loans | 0.2698% | 855 |
| Credit loss provision to net charge-offs | 70.9163% | 2,776 |
| Earnings coverage of net charge-offs (x) | 6.9880% | 2,937 |
| Efficiency ratio | 74.4289% | 2,197 |
| Assets per employee ($millions) | 4.3506% | 3,329 |
| Cash dividends to net income (ytd only)* | 34.0214% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 4,158 |
| Loan loss allowance to noncurrent loans | 178.2258% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 3,178 |
| Noncurrent loans to loans | 0.5860% | 3,250 |
| Net loans and leases to total assets | 53.4735% | 4,538 |
| Net loans and leases to deposits | 61.6316% | 4,653 |
| Net loans and leases to core deposits | 68.6252% | 4,420 |
| Total domestic deposits to total assets | 86.7631% | 1,999 |
| Equity capital to assets | 11.1486% | 2,860 |
| Core capital (leverage) ratio | 10.2147% | 3,317 |
| Tier 1 risk-based capital ratio | 14.6705% | 3,204 |
| Total risk-based capital ratio | 15.5011% | 3,355 |
| Memoranda: | ||
| Average total assets | $239,851,750 | 2,590 |
| Average earning assets | $216,070,500 | 2,647 |
| Average equity | $25,623,750 | 2,685 |
| Average total loans | $124,058,000 | 3,013 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 1,817 |
| Cost of funding earning assets | 0.3416% | 3,661 |
| Net interest margin | 4.0633% | 1,469 |
| Noninterest income to average assets | 0.6137% | 2,545 |
| Noninterest expense to average assets | 3.2266% | 1,748 |
| Loan and lease loss provision to assets | 0.1391% | 1,629 |
| Net operating income to assets | 0.6876% | 3,858 |
| Return on assets (ROA) | 0.7006% | 3,945 |
| Pretax return on assets | 0.9301% | 3,835 |
| Return on Equity (ROE) | 6.6524% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.4979% | 3,049 |
| Net charge-offs to loans | 0.4322% | 523 |
| Credit loss provision to net charge-offs | 63.1579% | 2,542 |
| Earnings coverage of net charge-offs (x) | 4.7744% | 2,943 |
| Efficiency ratio | 72.6287% | 2,572 |
| Assets per employee ($millions) | 4.4201% | 3,181 |
| Cash dividends to net income (ytd only)* | 32.3877% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 4,297 |
| Loan loss allowance to noncurrent loans | 250.1923% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 3,638 |
| Noncurrent loans to loans | 0.4150% | 3,866 |
| Net loans and leases to total assets | 51.9473% | 4,679 |
| Net loans and leases to deposits | 59.6055% | 4,819 |
| Net loans and leases to core deposits | 66.1171% | 4,603 |
| Total domestic deposits to total assets | 87.1518% | 1,835 |
| Equity capital to assets | 10.9683% | 3,096 |
| Core capital (leverage) ratio | 10.0362% | 3,526 |
| Tier 1 risk-based capital ratio | 14.6553% | 3,229 |
| Total risk-based capital ratio | 15.4890% | 3,392 |
| Memoranda: | ||
| Average total assets | $241,490,670 | 2,590 |
| Average earning assets | $217,802,330 | 2,640 |
| Average equity | $25,434,330 | 2,709 |
| Average total loans | $123,092,670 | 3,032 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 1,897 |
| Cost of funding earning assets | 0.3438% | 3,673 |
| Net interest margin | 4.0258% | 1,541 |
| Noninterest income to average assets | 0.5961% | 2,559 |
| Noninterest expense to average assets | 3.1718% | 1,902 |
| Loan and lease loss provision to assets | 0.2586% | 668 |
| Net operating income to assets | 0.6088% | 4,140 |
| Return on assets (ROA) | 0.6192% | 4,218 |
| Pretax return on assets | 0.7855% | 4,249 |
| Return on Equity (ROE) | 6.0012% | 3,986 |
| Retained earnings to average equity (ytd only) | 3.8146% | 3,587 |
| Net charge-offs to loans | 0.5148% | 422 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 3.9873% | 2,477 |
| Efficiency ratio | 72.6489% | 2,707 |
| Assets per employee ($millions) | 4.3475% | 3,332 |
| Cash dividends to net income (ytd only)* | 36.4362% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,831 |
| Loan loss allowance to noncurrent loans | 188.7989% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 3,294 |
| Noncurrent loans to loans | 0.6041% | 3,366 |
| Net loans and leases to total assets | 49.8098% | 4,823 |
| Net loans and leases to deposits | 56.6762% | 4,941 |
| Net loans and leases to core deposits | 62.7031% | 4,771 |
| Total domestic deposits to total assets | 87.8850% | 1,701 |
| Equity capital to assets | 10.4166% | 3,594 |
| Core capital (leverage) ratio | 9.8975% | 3,664 |
| Tier 1 risk-based capital ratio | 14.4482% | 3,418 |
| Total risk-based capital ratio | 15.3298% | 3,572 |
| Memoranda: | ||
| Average total assets | $242,892,000 | 2,597 |
| Average earning assets | $217,597,000 | 2,648 |
| Average equity | $25,061,500 | 2,742 |
| Average total loans | $121,992,500 | 3,056 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 1,788 |
| Cost of funding earning assets | 0.3273% | 3,938 |
| Net interest margin | 4.1079% | 1,395 |
| Noninterest income to average assets | 0.6473% | 2,472 |
| Noninterest expense to average assets | 3.2314% | 1,881 |
| Loan and lease loss provision to assets | 0.1836% | 1,224 |
| Net operating income to assets | 0.7301% | 3,673 |
| Return on assets (ROA) | 0.7331% | 3,749 |
| Pretax return on assets | 0.9179% | 3,777 |
| Return on Equity (ROE) | 7.2605% | 3,379 |
| Retained earnings to average equity (ytd only) | 4.7651% | 2,602 |
| Net charge-offs to loans | 0.2718% | 1,118 |
| Credit loss provision to net charge-offs | 138.0062% | 1,897 |
| Earnings coverage of net charge-offs (x) | 8.2523% | 2,980 |
| Efficiency ratio | 71.8867% | 2,927 |
| Assets per employee ($millions) | 4.3273% | 3,345 |
| Cash dividends to net income (ytd only)* | 34.3697% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,736 |
| Loan loss allowance to noncurrent loans | 94.6549% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 2,800 |
| Noncurrent loans to loans | 1.2183% | 1,935 |
| Net loans and leases to total assets | 49.4875% | 4,912 |
| Net loans and leases to deposits | 57.3818% | 4,955 |
| Net loans and leases to core deposits | 63.5484% | 4,766 |
| Total domestic deposits to total assets | 86.2425% | 2,517 |
| Equity capital to assets | 10.2189% | 3,721 |
| Core capital (leverage) ratio | 9.9504% | 3,576 |
| Tier 1 risk-based capital ratio | 14.5740% | 3,401 |
| Total risk-based capital ratio | 15.4648% | 3,515 |
| Memoranda: | ||
| Average total assets | $241,319,600 | 2,567 |
| Average earning assets | $216,292,000 | 2,618 |
| Average equity | $24,364,800 | 2,750 |
| Average total loans | $118,086,400 | 3,081 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 1,887 |
| Cost of funding earning assets | 0.3240% | 4,062 |
| Net interest margin | 4.0887% | 1,438 |
| Noninterest income to average assets | 0.6626% | 2,419 |
| Noninterest expense to average assets | 3.2493% | 1,828 |
| Loan and lease loss provision to assets | 0.1045% | 2,118 |
| Net operating income to assets | 0.7236% | 3,800 |
| Return on assets (ROA) | 0.7240% | 3,902 |
| Pretax return on assets | 0.9806% | 3,687 |
| Return on Equity (ROE) | 7.1925% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.6100% | 3,189 |
| Net charge-offs to loans | 0.2865% | 927 |
| Credit loss provision to net charge-offs | 75.0000% | 2,680 |
| Earnings coverage of net charge-offs (x) | 7.7818% | 2,881 |
| Efficiency ratio | 72.2180% | 2,836 |
| Assets per employee ($millions) | 4.2899% | 3,332 |
| Cash dividends to net income (ytd only)* | 35.9052% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 4,672 |
| Loan loss allowance to noncurrent loans | 77.4729% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 2,899 |
| Noncurrent loans to loans | 1.3090% | 1,947 |
| Net loans and leases to total assets | 49.3246% | 4,984 |
| Net loans and leases to deposits | 56.4404% | 5,099 |
| Net loans and leases to core deposits | 62.1059% | 4,935 |
| Total domestic deposits to total assets | 87.3923% | 1,849 |
| Equity capital to assets | 10.3120% | 3,796 |
| Core capital (leverage) ratio | 9.6751% | 4,063 |
| Tier 1 risk-based capital ratio | 14.6463% | 3,471 |
| Total risk-based capital ratio | 15.4546% | 3,661 |
| Memoranda: | ||
| Average total assets | $241,068,000 | 2,587 |
| Average earning assets | $216,462,500 | 2,637 |
| Average equity | $24,265,250 | 2,780 |
| Average total loans | $117,278,000 | 3,116 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 1,871 |
| Cost of funding earning assets | 0.3217% | 4,135 |
| Net interest margin | 4.0713% | 1,439 |
| Noninterest income to average assets | 0.6671% | 2,375 |
| Noninterest expense to average assets | 3.2518% | 1,841 |
| Loan and lease loss provision to assets | 0.0704% | 2,699 |
| Net operating income to assets | 0.7301% | 3,738 |
| Return on assets (ROA) | 0.7301% | 3,854 |
| Pretax return on assets | 0.9845% | 3,647 |
| Return on Equity (ROE) | 7.3124% | 3,429 |
| Retained earnings to average equity (ytd only) | 4.5485% | 3,135 |
| Net charge-offs to loans | 0.1769% | 1,398 |
| Credit loss provision to net charge-offs | 82.5243% | 2,298 |
| Earnings coverage of net charge-offs (x) | 12.3592% | 2,211 |
| Efficiency ratio | 72.7343% | 2,893 |
| Assets per employee ($millions) | 4.2618% | 3,370 |
| Cash dividends to net income (ytd only)* | 37.7980% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 4,484 |
| Loan loss allowance to noncurrent loans | 84.1015% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 3,161 |
| Noncurrent loans to loans | 1.2734% | 2,117 |
| Net loans and leases to total assets | 47.8758% | 5,117 |
| Net loans and leases to deposits | 54.1875% | 5,243 |
| Net loans and leases to core deposits | 59.6153% | 5,096 |
| Total domestic deposits to total assets | 88.3521% | 1,467 |
| Equity capital to assets | 9.8876% | 4,172 |
| Core capital (leverage) ratio | 9.4404% | 4,358 |
| Tier 1 risk-based capital ratio | 14.5923% | 3,584 |
| Total risk-based capital ratio | 15.4289% | 3,754 |
| Memoranda: | ||
| Average total assets | $241,345,670 | 2,599 |
| Average earning assets | $215,752,000 | 2,660 |
| Average equity | $24,096,000 | 2,802 |
| Average total loans | $116,467,670 | 3,146 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 1,523 |
| Cost of funding earning assets | 0.3190% | 4,235 |
| Net interest margin | 4.1596% | 1,145 |
| Noninterest income to average assets | 0.6335% | 2,481 |
| Noninterest expense to average assets | 3.3372% | 1,632 |
| Loan and lease loss provision to assets | 0.0482% | 2,969 |
| Net operating income to assets | 0.7017% | 3,787 |
| Return on assets (ROA) | 0.7017% | 3,916 |
| Pretax return on assets | 0.9561% | 3,664 |
| Return on Equity (ROE) | 6.9941% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.7235% | 3,204 |
| Net charge-offs to loans | 0.1794% | 1,211 |
| Credit loss provision to net charge-offs | 55.7692% | 2,045 |
| Earnings coverage of net charge-offs (x) | 11.6154% | 1,851 |
| Efficiency ratio | 74.1095% | 2,802 |
| Assets per employee ($millions) | 4.3998% | 3,201 |
| Cash dividends to net income (ytd only)* | 32.4645% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 4,651 |
| Loan loss allowance to noncurrent loans | 92.5461% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 3,539 |
| Noncurrent loans to loans | 1.1586% | 2,450 |
| Net loans and leases to total assets | 46.9562% | 5,124 |
| Net loans and leases to deposits | 53.1682% | 5,259 |
| Net loans and leases to core deposits | 58.2659% | 5,108 |
| Total domestic deposits to total assets | 88.3163% | 1,649 |
| Equity capital to assets | 9.9551% | 4,200 |
| Core capital (leverage) ratio | 9.5190% | 4,245 |
| Tier 1 risk-based capital ratio | 14.5147% | 3,711 |
| Total risk-based capital ratio | 15.3587% | 3,867 |
| Memoranda: | ||
| Average total assets | $240,558,500 | 2,631 |
| Average earning assets | $214,444,500 | 2,687 |
| Average equity | $24,134,500 | 2,814 |
| Average total loans | $115,922,000 | 3,163 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 1,491 |
| Cost of funding earning assets | 0.3439% | 4,316 |
| Net interest margin | 4.2794% | 1,094 |
| Noninterest income to average assets | 0.6903% | 2,347 |
| Noninterest expense to average assets | 3.3104% | 1,904 |
| Loan and lease loss provision to assets | 0.0671% | 3,152 |
| Net operating income to assets | 0.8819% | 2,960 |
| Return on assets (ROA) | 0.9305% | 2,810 |
| Pretax return on assets | 1.1646% | 2,802 |
| Return on Equity (ROE) | 9.3640% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.6917% | 1,549 |
| Net charge-offs to loans | 0.2643% | 1,634 |
| Credit loss provision to net charge-offs | 52.1739% | 3,439 |
| Earnings coverage of net charge-offs (x) | 9.1003% | 2,795 |
| Efficiency ratio | 71.1034% | 3,354 |
| Assets per employee ($millions) | 4.1916% | 3,561 |
| Cash dividends to net income (ytd only)* | 28.5384% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 4,486 |
| Loan loss allowance to noncurrent loans | 105.1029% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 3,714 |
| Noncurrent loans to loans | 1.0575% | 2,708 |
| Net loans and leases to total assets | 48.4041% | 5,118 |
| Net loans and leases to deposits | 54.8106% | 5,266 |
| Net loans and leases to core deposits | 60.3794% | 5,113 |
| Total domestic deposits to total assets | 88.3117% | 1,612 |
| Equity capital to assets | 10.1142% | 3,969 |
| Core capital (leverage) ratio | 9.1923% | 4,690 |
| Tier 1 risk-based capital ratio | 14.0628% | 4,047 |
| Total risk-based capital ratio | 14.9088% | 4,260 |
| Memoranda: | ||
| Average total assets | $232,355,800 | 2,672 |
| Average earning assets | $205,847,600 | 2,742 |
| Average equity | $23,088,400 | 2,839 |
| Average total loans | $113,124,000 | 3,154 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 1,494 |
| Cost of funding earning assets | 0.3472% | 4,368 |
| Net interest margin | 4.2808% | 1,090 |
| Noninterest income to average assets | 0.7001% | 2,325 |
| Noninterest expense to average assets | 3.2607% | 1,993 |
| Loan and lease loss provision to assets | 0.0874% | 2,604 |
| Net operating income to assets | 0.8349% | 3,258 |
| Return on assets (ROA) | 0.8572% | 3,233 |
| Pretax return on assets | 1.1770% | 2,876 |
| Return on Equity (ROE) | 8.6656% | 2,862 |
| Retained earnings to average equity (ytd only) | 6.2172% | 2,268 |
| Net charge-offs to loans | 0.2674% | 1,464 |
| Credit loss provision to net charge-offs | 67.2566% | 2,814 |
| Earnings coverage of net charge-offs (x) | 9.4910% | 2,663 |
| Efficiency ratio | 69.7811% | 3,548 |
| Assets per employee ($millions) | 3.9483% | 3,988 |
| Cash dividends to net income (ytd only)* | 28.2550% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,286 |
| Loan loss allowance to noncurrent loans | 106.1514% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 3,994 |
| Noncurrent loans to loans | 1.1211% | 2,816 |
| Net loans and leases to total assets | 47.9753% | 5,208 |
| Net loans and leases to deposits | 54.3718% | 5,356 |
| Net loans and leases to core deposits | 59.7771% | 5,206 |
| Total domestic deposits to total assets | 88.2356% | 1,640 |
| Equity capital to assets | 9.9743% | 4,191 |
| Core capital (leverage) ratio | 8.9306% | 5,155 |
| Tier 1 risk-based capital ratio | 13.9652% | 4,245 |
| Total risk-based capital ratio | 14.8733% | 4,401 |
| Memoranda: | ||
| Average total assets | $231,762,250 | 2,700 |
| Average earning assets | $205,441,250 | 2,771 |
| Average equity | $22,925,250 | 2,865 |
| Average total loans | $112,681,000 | 3,187 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,371 |
| Cost of funding earning assets | 0.3494% | 4,443 |
| Net interest margin | 4.3114% | 1,003 |
| Noninterest income to average assets | 0.7218% | 2,176 |
| Noninterest expense to average assets | 3.0826% | 2,558 |
| Loan and lease loss provision to assets | 0.0026% | 4,164 |
| Net operating income to assets | 1.0411% | 2,156 |
| Return on assets (ROA) | 1.0753% | 2,097 |
| Pretax return on assets | 1.4920% | 1,563 |
| Return on Equity (ROE) | 10.9018% | 1,771 |
| Retained earnings to average equity (ytd only) | 8.5006% | 1,146 |
| Net charge-offs to loans | -0.1830% | 6,324 |
| Credit loss provision to net charge-offs | -2.9126% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0534% | 3,997 |
| Assets per employee ($millions) | 3.9765% | 3,890 |
| Cash dividends to net income (ytd only)* | 22.0257% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 3,668 |
| Loan loss allowance to noncurrent loans | 124.5714% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 4,271 |
| Noncurrent loans to loans | 1.0714% | 3,088 |
| Net loans and leases to total assets | 48.0839% | 5,166 |
| Net loans and leases to deposits | 54.6284% | 5,311 |
| Net loans and leases to core deposits | 59.6587% | 5,149 |
| Total domestic deposits to total assets | 88.0198% | 1,884 |
| Equity capital to assets | 10.1768% | 3,863 |
| Core capital (leverage) ratio | 10.0670% | 3,514 |
| Tier 1 risk-based capital ratio | 15.3278% | 3,454 |
| Total risk-based capital ratio | 16.3331% | 3,531 |
| Memoranda: | ||
| Average total assets | $231,366,670 | 2,709 |
| Average earning assets | $204,343,330 | 2,792 |
| Average equity | $22,822,000 | 2,870 |
| Average total loans | $112,540,000 | 3,196 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,409 |
| Cost of funding earning assets | 0.3523% | 4,516 |
| Net interest margin | 4.2844% | 1,029 |
| Noninterest income to average assets | 0.6877% | 2,239 |
| Noninterest expense to average assets | 3.0573% | 2,667 |
| Loan and lease loss provision to assets | 0.0035% | 3,776 |
| Net operating income to assets | 1.0581% | 1,972 |
| Return on assets (ROA) | 1.1300% | 1,763 |
| Pretax return on assets | 1.5130% | 1,397 |
| Return on Equity (ROE) | 11.6439% | 1,509 |
| Retained earnings to average equity (ytd only) | 9.1859% | 1,199 |
| Net charge-offs to loans | -0.4801% | 6,554 |
| Credit loss provision to net charge-offs | -1.4925% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2737% | 4,141 |
| Assets per employee ($millions) | 3.9844% | 3,978 |
| Cash dividends to net income (ytd only)* | 21.1094% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 3,823 |
| Loan loss allowance to noncurrent loans | 122.9068% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 4,382 |
| Noncurrent loans to loans | 1.1024% | 3,219 |
| Net loans and leases to total assets | 48.1908% | 5,101 |
| Net loans and leases to deposits | 54.4071% | 5,246 |
| Net loans and leases to core deposits | 59.5978% | 5,072 |
| Total domestic deposits to total assets | 88.5745% | 1,903 |
| Equity capital to assets | 9.7073% | 4,217 |
| Core capital (leverage) ratio | 9.9737% | 3,605 |
| Tier 1 risk-based capital ratio | 15.0520% | 3,689 |
| Total risk-based capital ratio | 16.0784% | 3,754 |
| Memoranda: | ||
| Average total assets | $229,743,500 | 2,747 |
| Average earning assets | $203,248,500 | 2,819 |
| Average equity | $22,295,000 | 2,918 |
| Average total loans | $111,641,500 | 3,226 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 2,249 |
| Cost of funding earning assets | 0.4215% | 4,419 |
| Net interest margin | 4.0682% | 1,737 |
| Noninterest income to average assets | 0.6954% | 2,567 |
| Noninterest expense to average assets | 3.1466% | 2,606 |
| Loan and lease loss provision to assets | 0.0248% | 4,631 |
| Net operating income to assets | 0.9060% | 2,747 |
| Return on assets (ROA) | 0.9504% | 2,635 |
| Pretax return on assets | 1.1562% | 2,746 |
| Return on Equity (ROE) | 9.6328% | 2,268 |
| Retained earnings to average equity (ytd only) | 7.4871% | 1,239 |
| Net charge-offs to loans | 0.0581% | 4,411 |
| Credit loss provision to net charge-offs | 93.2203% | 2,669 |
| Earnings coverage of net charge-offs (x) | 42.4068% | 899 |
| Efficiency ratio | 73.6298% | 3,192 |
| Assets per employee ($millions) | 3.8035% | 4,255 |
| Cash dividends to net income (ytd only)* | 22.2749% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 4,095 |
| Loan loss allowance to noncurrent loans | 130.5147% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 4,520 |
| Noncurrent loans to loans | 1.0033% | 3,507 |
| Net loans and leases to total assets | 47.6901% | 5,323 |
| Net loans and leases to deposits | 54.0085% | 5,470 |
| Net loans and leases to core deposits | 59.0042% | 5,308 |
| Total domestic deposits to total assets | 88.3012% | 2,006 |
| Equity capital to assets | 9.7011% | 4,166 |
| Core capital (leverage) ratio | 9.9895% | 3,591 |
| Tier 1 risk-based capital ratio | 15.2854% | 3,491 |
| Total risk-based capital ratio | 16.2592% | 3,603 |
| Memoranda: | ||
| Average total assets | $222,019,000 | 2,790 |
| Average earning assets | $195,270,800 | 2,885 |
| Average equity | $21,904,400 | 2,933 |
| Average total loans | $101,523,400 | 3,413 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 2,608 |
| Cost of funding earning assets | 0.4364% | 4,431 |
| Net interest margin | 3.9600% | 2,076 |
| Noninterest income to average assets | 0.6762% | 2,746 |
| Noninterest expense to average assets | 2.9993% | 2,996 |
| Loan and lease loss provision to assets | 0.1204% | 2,787 |
| Net operating income to assets | 0.7851% | 3,424 |
| Return on assets (ROA) | 0.8400% | 3,268 |
| Pretax return on assets | 1.1092% | 3,073 |
| Return on Equity (ROE) | 8.4782% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.4544% | 2,159 |
| Net charge-offs to loans | -0.0294% | 6,158 |
| Credit loss provision to net charge-offs | -909.0909% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1570% | 3,376 |
| Assets per employee ($millions) | 3.8132% | 4,202 |
| Cash dividends to net income (ytd only)* | 23.8711% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,241 |
| Loan loss allowance to noncurrent loans | 120.2337% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 4,427 |
| Noncurrent loans to loans | 1.2867% | 3,258 |
| Net loans and leases to total assets | 46.5592% | 5,488 |
| Net loans and leases to deposits | 52.5479% | 5,670 |
| Net loans and leases to core deposits | 57.3679% | 5,505 |
| Total domestic deposits to total assets | 88.6033% | 1,782 |
| Equity capital to assets | 9.5672% | 4,467 |
| Core capital (leverage) ratio | 9.7571% | 4,020 |
| Tier 1 risk-based capital ratio | 15.1759% | 3,647 |
| Total risk-based capital ratio | 16.3244% | 3,655 |
| Memoranda: | ||
| Average total assets | $221,422,000 | 2,822 |
| Average earning assets | $194,607,250 | 2,922 |
| Average equity | $21,938,000 | 2,972 |
| Average total loans | $99,794,250 | 3,482 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,905 |
| Cost of funding earning assets | 0.4553% | 4,373 |
| Net interest margin | 3.8558% | 2,358 |
| Noninterest income to average assets | 0.6856% | 2,714 |
| Noninterest expense to average assets | 2.9813% | 3,057 |
| Loan and lease loss provision to assets | 0.1780% | 2,131 |
| Net operating income to assets | 0.7123% | 3,747 |
| Return on assets (ROA) | 0.7973% | 3,463 |
| Pretax return on assets | 1.0271% | 3,387 |
| Return on Equity (ROE) | 7.9543% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.1787% | 2,333 |
| Net charge-offs to loans | 0.1557% | 2,855 |
| Credit loss provision to net charge-offs | 257.8947% | 972 |
| Earnings coverage of net charge-offs (x) | 15.8816% | 1,703 |
| Efficiency ratio | 73.1180% | 3,287 |
| Assets per employee ($millions) | 3.7890% | 4,235 |
| Cash dividends to net income (ytd only)* | 22.3235% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,318 |
| Loan loss allowance to noncurrent loans | 94.8403% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 4,124 |
| Noncurrent loans to loans | 1.6442% | 2,847 |
| Net loans and leases to total assets | 43.6014% | 5,777 |
| Net loans and leases to deposits | 49.2186% | 5,903 |
| Net loans and leases to core deposits | 53.7066% | 5,773 |
| Total domestic deposits to total assets | 88.5873% | 1,860 |
| Equity capital to assets | 9.6667% | 4,361 |
| Core capital (leverage) ratio | 9.6224% | 4,042 |
| Tier 1 risk-based capital ratio | 15.6724% | 3,384 |
| Total risk-based capital ratio | 16.8052% | 3,405 |
| Memoranda: | ||
| Average total assets | $220,236,670 | 2,835 |
| Average earning assets | $193,732,330 | 2,947 |
| Average equity | $22,076,000 | 2,975 |
| Average total loans | $97,594,330 | 3,549 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 2,624 |
| Cost of funding earning assets | 0.4616% | 4,465 |
| Net interest margin | 3.9075% | 2,096 |
| Noninterest income to average assets | 0.6698% | 2,761 |
| Noninterest expense to average assets | 3.2080% | 2,326 |
| Loan and lease loss provision to assets | 0.3038% | 1,130 |
| Net operating income to assets | 0.5527% | 4,442 |
| Return on assets (ROA) | 0.5527% | 4,595 |
| Pretax return on assets | 0.6277% | 4,847 |
| Return on Equity (ROE) | 5.4149% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.6577% | 4,048 |
| Net charge-offs to loans | 0.4624% | 1,290 |
| Credit loss provision to net charge-offs | 148.2143% | 1,381 |
| Earnings coverage of net charge-offs (x) | 4.5446% | 2,529 |
| Efficiency ratio | 77.4978% | 2,692 |
| Assets per employee ($millions) | 3.7420% | 4,463 |
| Cash dividends to net income (ytd only)* | 32.4503% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 3,656 |
| Loan loss allowance to noncurrent loans | 141.0305% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 4,904 |
| Noncurrent loans to loans | 1.0928% | 3,959 |
| Net loans and leases to total assets | 42.7684% | 5,779 |
| Net loans and leases to deposits | 48.4290% | 5,894 |
| Net loans and leases to core deposits | 52.8435% | 5,760 |
| Total domestic deposits to total assets | 88.3114% | 2,119 |
| Equity capital to assets | 10.1101% | 4,003 |
| Core capital (leverage) ratio | 9.6259% | 3,877 |
| Tier 1 risk-based capital ratio | 15.8546% | 3,349 |
| Total risk-based capital ratio | 16.9770% | 3,370 |
| Memoranda: | ||
| Average total assets | $218,580,000 | 2,886 |
| Average earning assets | $194,089,500 | 2,967 |
| Average equity | $22,309,000 | 2,995 |
| Average total loans | $96,884,000 | 3,593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 2,296 |
| Cost of funding earning assets | 0.5773% | 4,565 |
| Net interest margin | 4.1984% | 1,668 |
| Noninterest income to average assets | 0.7041% | 2,698 |
| Noninterest expense to average assets | 3.2955% | 2,352 |
| Loan and lease loss provision to assets | 0.3881% | 1,682 |
| Net operating income to assets | 0.5659% | 4,399 |
| Return on assets (ROA) | 0.6962% | 4,008 |
| Pretax return on assets | 0.8487% | 4,112 |
| Return on Equity (ROE) | 7.1268% | 3,566 |
| Retained earnings to average equity (ytd only) | 5.8783% | 2,152 |
| Net charge-offs to loans | 0.8835% | 1,294 |
| Credit loss provision to net charge-offs | 99.2908% | 3,120 |
| Earnings coverage of net charge-offs (x) | 2.7577% | 4,049 |
| Efficiency ratio | 75.3539% | 2,853 |
| Assets per employee ($millions) | 3.6675% | 4,633 |
| Cash dividends to net income (ytd only)* | 17.5182% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 3,924 |
| Loan loss allowance to noncurrent loans | 145.6033% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 5,074 |
| Noncurrent loans to loans | 0.9993% | 4,190 |
| Net loans and leases to total assets | 44.5707% | 5,766 |
| Net loans and leases to deposits | 50.5928% | 5,914 |
| Net loans and leases to core deposits | 55.3590% | 5,763 |
| Total domestic deposits to total assets | 88.0969% | 2,170 |
| Equity capital to assets | 10.3046% | 3,750 |
| Core capital (leverage) ratio | 9.6885% | 3,826 |
| Tier 1 risk-based capital ratio | 15.6846% | 3,327 |
| Total risk-based capital ratio | 16.7652% | 3,376 |
| Memoranda: | ||
| Average total assets | $216,449,800 | 2,873 |
| Average earning assets | $189,167,000 | 2,971 |
| Average equity | $21,145,600 | 3,080 |
| Average total loans | $95,758,000 | 3,626 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 2,179 |
| Cost of funding earning assets | 0.5979% | 4,674 |
| Net interest margin | 4.2557% | 1,585 |
| Noninterest income to average assets | 0.5931% | 3,323 |
| Noninterest expense to average assets | 3.1142% | 2,846 |
| Loan and lease loss provision to assets | 0.4188% | 1,524 |
| Net operating income to assets | 0.5911% | 4,432 |
| Return on assets (ROA) | 0.6935% | 4,193 |
| Pretax return on assets | 0.8974% | 4,110 |
| Return on Equity (ROE) | 7.1978% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.0728% | 2,654 |
| Net charge-offs to loans | 0.8876% | 1,231 |
| Credit loss provision to net charge-offs | 107.2555% | 2,739 |
| Earnings coverage of net charge-offs (x) | 3.0300% | 3,821 |
| Efficiency ratio | 72.4667% | 3,238 |
| Assets per employee ($millions) | 3.5558% | 4,836 |
| Cash dividends to net income (ytd only)* | 15.6305% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 3,982 |
| Loan loss allowance to noncurrent loans | 115.7647% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 4,908 |
| Noncurrent loans to loans | 1.2900% | 3,888 |
| Net loans and leases to total assets | 45.6353% | 5,803 |
| Net loans and leases to deposits | 51.8244% | 5,986 |
| Net loans and leases to core deposits | 57.0698% | 5,805 |
| Total domestic deposits to total assets | 88.0574% | 2,012 |
| Equity capital to assets | 10.0682% | 4,394 |
| Core capital (leverage) ratio | 9.1885% | 4,781 |
| Tier 1 risk-based capital ratio | 14.9784% | 3,865 |
| Total risk-based capital ratio | 16.1053% | 3,902 |
| Memoranda: | ||
| Average total assets | $216,467,250 | 2,902 |
| Average earning assets | $188,417,500 | 3,011 |
| Average equity | $20,857,750 | 3,130 |
| Average total loans | $95,231,000 | 3,673 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 2,113 |
| Cost of funding earning assets | 0.6219% | 4,702 |
| Net interest margin | 4.2775% | 1,525 |
| Noninterest income to average assets | 0.5894% | 3,322 |
| Noninterest expense to average assets | 3.1374% | 2,792 |
| Loan and lease loss provision to assets | 0.5168% | 1,218 |
| Net operating income to assets | 0.5005% | 4,818 |
| Return on assets (ROA) | 0.6574% | 4,335 |
| Pretax return on assets | 0.8276% | 4,369 |
| Return on Equity (ROE) | 6.9248% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.0725% | 2,670 |
| Net charge-offs to loans | 1.2549% | 856 |
| Credit loss provision to net charge-offs | 95.2542% | 2,894 |
| Earnings coverage of net charge-offs (x) | 2.1119% | 3,930 |
| Efficiency ratio | 73.2503% | 3,203 |
| Assets per employee ($millions) | 3.6791% | 4,564 |
| Cash dividends to net income (ytd only)* | 12.3077% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 4,173 |
| Loan loss allowance to noncurrent loans | 87.7347% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 4,828 |
| Noncurrent loans to loans | 1.6710% | 3,393 |
| Net loans and leases to total assets | 44.1589% | 6,002 |
| Net loans and leases to deposits | 49.9282% | 6,185 |
| Net loans and leases to core deposits | 55.8100% | 5,962 |
| Total domestic deposits to total assets | 88.4449% | 1,858 |
| Equity capital to assets | 9.8718% | 4,514 |
| Core capital (leverage) ratio | 9.0523% | 4,835 |
| Tier 1 risk-based capital ratio | 15.1800% | 3,648 |
| Total risk-based capital ratio | 16.2833% | 3,705 |
| Memoranda: | ||
| Average total assets | $217,507,670 | 2,896 |
| Average earning assets | $187,818,000 | 3,019 |
| Average equity | $20,650,330 | 3,144 |
| Average total loans | $94,029,000 | 3,709 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 2,362 |
| Cost of funding earning assets | 0.6546% | 4,682 |
| Net interest margin | 4.2130% | 1,728 |
| Noninterest income to average assets | 0.4937% | 3,951 |
| Noninterest expense to average assets | 3.1699% | 2,701 |
| Loan and lease loss provision to assets | 0.7323% | 697 |
| Net operating income to assets | 0.2532% | 5,805 |
| Return on assets (ROA) | 0.2532% | 5,959 |
| Pretax return on assets | 0.2733% | 6,027 |
| Return on Equity (ROE) | 2.7198% | 5,824 |
| Retained earnings to average equity (ytd only) | 0.9979% | 5,673 |
| Net charge-offs to loans | 2.2483% | 393 |
| Credit loss provision to net charge-offs | 76.7176% | 2,790 |
| Earnings coverage of net charge-offs (x) | 1.0534% | 3,803 |
| Efficiency ratio | 75.9162% | 2,801 |
| Assets per employee ($millions) | 3.8767% | 4,246 |
| Cash dividends to net income (ytd only)* | 63.3094% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 4,622 |
| Loan loss allowance to noncurrent loans | 86.2797% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 5,125 |
| Noncurrent loans to loans | 1.6215% | 3,684 |
| Net loans and leases to total assets | 40.9978% | 6,264 |
| Net loans and leases to deposits | 46.2876% | 6,412 |
| Net loans and leases to core deposits | 53.5997% | 6,086 |
| Total domestic deposits to total assets | 88.5720% | 1,969 |
| Equity capital to assets | 9.0745% | 5,396 |
| Core capital (leverage) ratio | 8.5540% | 5,505 |
| Tier 1 risk-based capital ratio | 14.6783% | 3,967 |
| Total risk-based capital ratio | 15.7047% | 4,105 |
| Memoranda: | ||
| Average total assets | $219,568,500 | 2,898 |
| Average earning assets | $191,882,000 | 2,999 |
| Average equity | $20,443,000 | 3,169 |
| Average total loans | $93,228,000 | 3,748 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 1,879 |
| Cost of funding earning assets | 0.8115% | 4,782 |
| Net interest margin | 4.4372% | 1,297 |
| Noninterest income to average assets | 0.7403% | 2,389 |
| Noninterest expense to average assets | 3.3095% | 2,494 |
| Loan and lease loss provision to assets | 0.2151% | 4,044 |
| Net operating income to assets | 0.8523% | 2,809 |
| Return on assets (ROA) | 0.8968% | 2,750 |
| Pretax return on assets | 1.1336% | 2,716 |
| Return on Equity (ROE) | 9.8367% | 2,112 |
| Retained earnings to average equity (ytd only) | 5.9943% | 2,019 |
| Net charge-offs to loans | 0.2306% | 4,339 |
| Credit loss provision to net charge-offs | 217.7033% | 1,121 |
| Earnings coverage of net charge-offs (x) | 13.0813% | 1,572 |
| Efficiency ratio | 71.9158% | 3,594 |
| Assets per employee ($millions) | 3.5714% | 4,842 |
| Cash dividends to net income (ytd only)* | 39.0617% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,836 |
| Loan loss allowance to noncurrent loans | 88.9857% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 4,990 |
| Noncurrent loans to loans | 1.7286% | 3,572 |
| Net loans and leases to total assets | 42.7158% | 6,320 |
| Net loans and leases to deposits | 48.6668% | 6,452 |
| Net loans and leases to core deposits | 56.4481% | 6,125 |
| Total domestic deposits to total assets | 87.7719% | 2,298 |
| Equity capital to assets | 9.5583% | 4,793 |
| Core capital (leverage) ratio | 8.7699% | 5,145 |
| Tier 1 risk-based capital ratio | 15.0581% | 3,603 |
| Total risk-based capital ratio | 16.2113% | 3,621 |
| Memoranda: | ||
| Average total assets | $211,540,400 | 2,924 |
| Average earning assets | $184,102,600 | 3,036 |
| Average equity | $19,285,000 | 3,244 |
| Average total loans | $90,639,600 | 3,835 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2513% | 2,025 |
| Cost of funding earning assets | 0.8399% | 4,858 |
| Net interest margin | 4.4113% | 1,372 |
| Noninterest income to average assets | 0.7588% | 2,268 |
| Noninterest expense to average assets | 3.1206% | 3,088 |
| Loan and lease loss provision to assets | 0.2213% | 3,800 |
| Net operating income to assets | 0.8944% | 2,759 |
| Return on assets (ROA) | 0.9479% | 2,708 |
| Pretax return on assets | 1.3412% | 2,147 |
| Return on Equity (ROE) | 10.5269% | 2,015 |
| Retained earnings to average equity (ytd only) | 5.9411% | 2,593 |
| Net charge-offs to loans | 0.2502% | 3,863 |
| Credit loss provision to net charge-offs | 207.1006% | 1,414 |
| Earnings coverage of net charge-offs (x) | 13.9170% | 1,573 |
| Efficiency ratio | 67.7233% | 4,371 |
| Assets per employee ($millions) | 2.8792% | 6,352 |
| Cash dividends to net income (ytd only)* | 43.5621% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 4,276 |
| Loan loss allowance to noncurrent loans | 80.3414% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 5,034 |
| Noncurrent loans to loans | 1.8202% | 3,614 |
| Net loans and leases to total assets | 42.5920% | 6,455 |
| Net loans and leases to deposits | 49.1238% | 6,555 |
| Net loans and leases to core deposits | 56.0277% | 6,317 |
| Total domestic deposits to total assets | 86.7034% | 2,821 |
| Equity capital to assets | 9.4377% | 5,184 |
| Core capital (leverage) ratio | 8.3145% | 5,956 |
| Tier 1 risk-based capital ratio | 14.3722% | 4,073 |
| Total risk-based capital ratio | 15.4410% | 4,176 |
| Memoranda: | ||
| Average total assets | $210,854,000 | 2,941 |
| Average earning assets | $183,976,250 | 3,050 |
| Average equity | $18,985,750 | 3,291 |
| Average total loans | $90,058,500 | 3,891 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 3,406 |
| Cost of funding earning assets | 0.8679% | 4,924 |
| Net interest margin | 4.0796% | 2,493 |
| Noninterest income to average assets | 0.6187% | 3,012 |
| Noninterest expense to average assets | 2.9193% | 3,945 |
| Loan and lease loss provision to assets | 0.2391% | 3,526 |
| Net operating income to assets | 0.7641% | 3,227 |
| Return on assets (ROA) | 0.8453% | 2,977 |
| Pretax return on assets | 1.1733% | 2,582 |
| Return on Equity (ROE) | 9.5459% | 2,295 |
| Retained earnings to average equity (ytd only) | 3.4555% | 4,050 |
| Net charge-offs to loans | 0.2720% | 3,523 |
| Credit loss provision to net charge-offs | 206.6116% | 1,459 |
| Earnings coverage of net charge-offs (x) | 11.2314% | 1,734 |
| Efficiency ratio | 69.1976% | 4,289 |
| Assets per employee ($millions) | 3.6842% | 4,492 |
| Cash dividends to net income (ytd only)* | 63.8009% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,643 |
| Loan loss allowance to noncurrent loans | 58.1488% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0434% | 4,796 |
| Noncurrent loans to loans | 2.3821% | 3,007 |
| Net loans and leases to total assets | 41.5937% | 6,621 |
| Net loans and leases to deposits | 46.7876% | 6,793 |
| Net loans and leases to core deposits | 53.9743% | 6,557 |
| Total domestic deposits to total assets | 88.8990% | 1,598 |
| Equity capital to assets | 8.5950% | 6,065 |
| Core capital (leverage) ratio | 7.9312% | 6,381 |
| Tier 1 risk-based capital ratio | 13.8545% | 4,268 |
| Total risk-based capital ratio | 14.8748% | 4,419 |
| Memoranda: | ||
| Average total assets | $209,158,000 | 2,986 |
| Average earning assets | $184,575,000 | 3,063 |
| Average equity | $18,521,000 | 3,332 |
| Average total loans | $88,965,000 | 3,965 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 3,842 |
| Cost of funding earning assets | 0.8710% | 5,125 |
| Net interest margin | 3.9754% | 2,795 |
| Noninterest income to average assets | 0.5959% | 3,199 |
| Noninterest expense to average assets | 2.7353% | 4,698 |
| Loan and lease loss provision to assets | 0.2582% | 3,075 |
| Net operating income to assets | 0.8482% | 2,787 |
| Return on assets (ROA) | 0.8482% | 2,845 |
| Pretax return on assets | 1.1382% | 2,610 |
| Return on Equity (ROE) | 9.4242% | 2,306 |
| Retained earnings to average equity (ytd only) | -1.0815% | 6,002 |
| Net charge-offs to loans | 0.2975% | 2,859 |
| Credit loss provision to net charge-offs | 203.1250% | 1,464 |
| Earnings coverage of net charge-offs (x) | 10.9844% | 1,592 |
| Efficiency ratio | 66.2019% | 5,002 |
| Assets per employee ($millions) | 3.5210% | 4,945 |
| Cash dividends to net income (ytd only)* | 111.4754% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,428 |
| Loan loss allowance to noncurrent loans | 71.8804% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 5,362 |
| Noncurrent loans to loans | 2.0203% | 3,545 |
| Net loans and leases to total assets | 35.9578% | 7,002 |
| Net loans and leases to deposits | 40.4424% | 7,077 |
| Net loans and leases to core deposits | 45.7044% | 6,981 |
| Total domestic deposits to total assets | 88.9112% | 1,827 |
| Equity capital to assets | 7.7057% | 6,742 |
| Core capital (leverage) ratio | 7.4615% | 6,754 |
| Tier 1 risk-based capital ratio | 13.9195% | 4,126 |
| Total risk-based capital ratio | 14.9164% | 4,283 |
| Memoranda: | ||
| Average total assets | $201,369,000 | 3,095 |
| Average earning assets | $179,103,000 | 3,163 |
| Average equity | $18,123,500 | 3,384 |
| Average total loans | $86,053,000 | 4,079 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9623% | 920 |
| Cost of funding earning assets | 1.1976% | 4,576 |
| Net interest margin | 4.7647% | 711 |
| Noninterest income to average assets | 0.7407% | 2,588 |
| Noninterest expense to average assets | 3.3185% | 2,674 |
| Loan and lease loss provision to assets | 0.5519% | 2,929 |
| Net operating income to assets | 0.9253% | 2,294 |
| Return on assets (ROA) | 0.9253% | 2,421 |
| Pretax return on assets | 1.1764% | 2,303 |
| Return on Equity (ROE) | 8.1772% | 2,627 |
| Retained earnings to average equity (ytd only) | 1.5015% | 4,780 |
| Net charge-offs to loans | 0.7994% | 2,637 |
| Credit loss provision to net charge-offs | 128.6325% | 3,104 |
| Earnings coverage of net charge-offs (x) | 4.0285% | 3,096 |
| Efficiency ratio | 65.7544% | 5,018 |
| Assets per employee ($millions) | 3.4757% | 4,992 |
| Cash dividends to net income (ytd only)* | 81.6380% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,628 |
| Loan loss allowance to noncurrent loans | 108.9236% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 5,592 |
| Noncurrent loans to loans | 1.2635% | 4,598 |
| Net loans and leases to total assets | 50.8565% | 6,059 |
| Net loans and leases to deposits | 59.7886% | 6,078 |
| Net loans and leases to core deposits | 64.1354% | 6,041 |
| Total domestic deposits to total assets | 85.0606% | 3,822 |
| Equity capital to assets | 10.8305% | 2,830 |
| Core capital (leverage) ratio | 10.7771% | 2,322 |
| Tier 1 risk-based capital ratio | 16.2465% | 2,638 |
| Total risk-based capital ratio | 17.3464% | 2,662 |
| Memoranda: | ||
| Average total assets | $163,630,000 | 3,637 |
| Average earning assets | $147,880,200 | 3,662 |
| Average equity | $18,515,000 | 3,350 |
| Average total loans | $87,812,400 | 4,107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9892% | 956 |
| Cost of funding earning assets | 1.2386% | 4,633 |
| Net interest margin | 4.7506% | 746 |
| Noninterest income to average assets | 0.7664% | 2,412 |
| Noninterest expense to average assets | 3.1017% | 3,328 |
| Loan and lease loss provision to assets | 0.4332% | 3,316 |
| Net operating income to assets | 1.0915% | 1,914 |
| Return on assets (ROA) | 1.0915% | 2,023 |
| Pretax return on assets | 1.5214% | 1,559 |
| Return on Equity (ROE) | 9.5417% | 2,306 |
| Retained earnings to average equity (ytd only) | 4.1087% | 3,584 |
| Net charge-offs to loans | 0.4169% | 3,620 |
| Credit loss provision to net charge-offs | 191.6667% | 1,870 |
| Earnings coverage of net charge-offs (x) | 8.6486% | 2,130 |
| Efficiency ratio | 61.3441% | 5,732 |
| Assets per employee ($millions) | 3.5104% | 4,954 |
| Cash dividends to net income (ytd only)* | 56.9389% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 4,423 |
| Loan loss allowance to noncurrent loans | 214.9565% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 6,429 |
| Noncurrent loans to loans | 0.6546% | 5,899 |
| Net loans and leases to total assets | 52.4881% | 6,045 |
| Net loans and leases to deposits | 62.4060% | 6,075 |
| Net loans and leases to core deposits | 67.4599% | 5,998 |
| Total domestic deposits to total assets | 84.1073% | 4,054 |
| Equity capital to assets | 11.6415% | 2,419 |
| Core capital (leverage) ratio | 10.9765% | 2,278 |
| Tier 1 risk-based capital ratio | 16.5046% | 2,555 |
| Total risk-based capital ratio | 17.6512% | 2,549 |
| Memoranda: | ||
| Average total assets | $162,829,000 | 3,700 |
| Average earning assets | $147,038,500 | 3,733 |
| Average equity | $18,626,500 | 3,370 |
| Average total loans | $88,258,000 | 4,165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0183% | 904 |
| Cost of funding earning assets | 1.2749% | 4,687 |
| Net interest margin | 4.7434% | 736 |
| Noninterest income to average assets | 0.7736% | 2,264 |
| Noninterest expense to average assets | 3.1041% | 3,296 |
| Loan and lease loss provision to assets | 0.3306% | 3,753 |
| Net operating income to assets | 1.1733% | 1,635 |
| Return on assets (ROA) | 1.1733% | 1,698 |
| Pretax return on assets | 1.6261% | 1,228 |
| Return on Equity (ROE) | 10.3185% | 1,986 |
| Retained earnings to average equity (ytd only) | 3.0380% | 4,178 |
| Net charge-offs to loans | 0.3688% | 3,511 |
| Credit loss provision to net charge-offs | 164.4172% | 2,396 |
| Earnings coverage of net charge-offs (x) | 9.7301% | 1,981 |
| Efficiency ratio | 61.3359% | 5,807 |
| Assets per employee ($millions) | 3.4165% | 5,140 |
| Cash dividends to net income (ytd only)* | 70.5573% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 5,257 |
| Loan loss allowance to noncurrent loans | 171.8799% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 6,343 |
| Noncurrent loans to loans | 0.7190% | 5,818 |
| Net loans and leases to total assets | 54.1516% | 5,972 |
| Net loans and leases to deposits | 64.4046% | 5,987 |
| Net loans and leases to core deposits | 69.4282% | 5,926 |
| Total domestic deposits to total assets | 84.0803% | 4,078 |
| Equity capital to assets | 11.6195% | 2,338 |
| Core capital (leverage) ratio | 10.8534% | 2,364 |
| Tier 1 risk-based capital ratio | 16.4616% | 2,487 |
| Total risk-based capital ratio | 17.4867% | 2,533 |
| Memoranda: | ||
| Average total assets | $162,109,330 | 3,740 |
| Average earning assets | $146,518,670 | 3,774 |
| Average equity | $18,433,000 | 3,384 |
| Average total loans | $88,399,000 | 4,190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9266% | 1,139 |
| Cost of funding earning assets | 1.3005% | 4,809 |
| Net interest margin | 4.6261% | 907 |
| Noninterest income to average assets | 0.7245% | 2,434 |
| Noninterest expense to average assets | 3.0379% | 3,533 |
| Loan and lease loss provision to assets | 0.2677% | 3,884 |
| Net operating income to assets | 1.1985% | 1,545 |
| Return on assets (ROA) | 1.1985% | 1,619 |
| Pretax return on assets | 1.6209% | 1,218 |
| Return on Equity (ROE) | 10.6547% | 1,887 |
| Retained earnings to average equity (ytd only) | 0.8078% | 5,496 |
| Net charge-offs to loans | 0.1310% | 4,174 |
| Credit loss provision to net charge-offs | 375.8621% | 1,070 |
| Earnings coverage of net charge-offs (x) | 26.5172% | 953 |
| Efficiency ratio | 61.6650% | 5,891 |
| Assets per employee ($millions) | 3.5301% | 4,964 |
| Cash dividends to net income (ytd only)* | 92.4180% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,470 |
| Loan loss allowance to noncurrent loans | 148.2566% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 6,282 |
| Noncurrent loans to loans | 0.8140% | 5,684 |
| Net loans and leases to total assets | 52.4486% | 6,224 |
| Net loans and leases to deposits | 62.6351% | 6,215 |
| Net loans and leases to core deposits | 67.1184% | 6,192 |
| Total domestic deposits to total assets | 83.7367% | 4,273 |
| Equity capital to assets | 11.0769% | 2,699 |
| Core capital (leverage) ratio | 10.8009% | 2,370 |
| Tier 1 risk-based capital ratio | 16.0248% | 2,648 |
| Total risk-based capital ratio | 17.0227% | 2,687 |
| Memoranda: | ||
| Average total assets | $162,876,500 | 3,783 |
| Average earning assets | $147,943,000 | 3,801 |
| Average equity | $18,320,500 | 3,433 |
| Average total loans | $88,577,500 | 4,239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2726% | 1,072 |
| Cost of funding earning assets | 1.5857% | 5,098 |
| Net interest margin | 4.6869% | 854 |
| Noninterest income to average assets | 0.8354% | 2,250 |
| Noninterest expense to average assets | 3.1278% | 3,625 |
| Loan and lease loss provision to assets | 0.5402% | 3,667 |
| Net operating income to assets | 1.0597% | 1,629 |
| Return on assets (ROA) | 1.1198% | 1,500 |
| Pretax return on assets | 1.5230% | 1,129 |
| Return on Equity (ROE) | 9.9541% | 1,709 |
| Retained earnings to average equity (ytd only) | 5.6711% | 1,487 |
| Net charge-offs to loans | 0.7703% | 2,899 |
| Credit loss provision to net charge-offs | 130.1223% | 3,924 |
| Earnings coverage of net charge-offs (x) | 4.7737% | 2,825 |
| Efficiency ratio | 61.2126% | 6,293 |
| Assets per employee ($millions) | 3.4009% | 5,253 |
| Cash dividends to net income (ytd only)* | 43.0272% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,883 |
| Loan loss allowance to noncurrent loans | 118.8634% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 5,942 |
| Noncurrent loans to loans | 0.9285% | 5,457 |
| Net loans and leases to total assets | 55.1114% | 6,067 |
| Net loans and leases to deposits | 66.0682% | 6,038 |
| Net loans and leases to core deposits | 84.4219% | 5,680 |
| Total domestic deposits to total assets | 83.4159% | 4,327 |
| Equity capital to assets | 11.4258% | 2,370 |
| Core capital (leverage) ratio | 10.7898% | 2,355 |
| Tier 1 risk-based capital ratio | 15.9751% | 2,537 |
| Total risk-based capital ratio | 16.8951% | 2,604 |
| Memoranda: | ||
| Average total assets | $157,522,600 | 3,817 |
| Average earning assets | $143,655,800 | 3,824 |
| Average equity | $17,721,400 | 3,543 |
| Average total loans | $84,899,800 | 4,360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2872% | 1,165 |
| Cost of funding earning assets | 1.6442% | 5,188 |
| Net interest margin | 4.6430% | 918 |
| Noninterest income to average assets | 0.7952% | 2,455 |
| Noninterest expense to average assets | 2.9938% | 4,068 |
| Loan and lease loss provision to assets | 0.3976% | 3,928 |
| Net operating income to assets | 1.1421% | 1,600 |
| Return on assets (ROA) | 1.1826% | 1,562 |
| Pretax return on assets | 1.6982% | 974 |
| Return on Equity (ROE) | 10.5536% | 1,746 |
| Retained earnings to average equity (ytd only) | 8.2185% | 1,075 |
| Net charge-offs to loans | 0.6121% | 2,838 |
| Credit loss provision to net charge-offs | 121.5584% | 4,176 |
| Earnings coverage of net charge-offs (x) | 6.2312% | 2,640 |
| Efficiency ratio | 59.4969% | 6,480 |
| Assets per employee ($millions) | 3.4105% | 5,144 |
| Cash dividends to net income (ytd only)* | 22.1267% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,323 |
| Loan loss allowance to noncurrent loans | 83.4132% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 5,652 |
| Noncurrent loans to loans | 1.1942% | 4,951 |
| Net loans and leases to total assets | 53.9425% | 6,390 |
| Net loans and leases to deposits | 64.9905% | 6,402 |
| Net loans and leases to core deposits | 82.8687% | 6,131 |
| Total domestic deposits to total assets | 83.0005% | 4,221 |
| Equity capital to assets | 11.5401% | 2,550 |
| Core capital (leverage) ratio | 11.0509% | 2,371 |
| Tier 1 risk-based capital ratio | 16.4842% | 2,436 |
| Total risk-based capital ratio | 17.3408% | 2,530 |
| Memoranda: | ||
| Average total assets | $156,943,250 | 3,858 |
| Average earning assets | $143,209,000 | 3,857 |
| Average equity | $17,586,000 | 3,596 |
| Average total loans | $83,856,500 | 4,421 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2918% | 1,225 |
| Cost of funding earning assets | 1.7053% | 5,243 |
| Net interest margin | 4.5865% | 985 |
| Noninterest income to average assets | 0.7765% | 2,540 |
| Noninterest expense to average assets | 3.0354% | 3,945 |
| Loan and lease loss provision to assets | 0.4274% | 3,409 |
| Net operating income to assets | 1.0427% | 1,964 |
| Return on assets (ROA) | 1.1128% | 1,808 |
| Pretax return on assets | 1.5941% | 1,218 |
| Return on Equity (ROE) | 10.0336% | 2,012 |
| Retained earnings to average equity (ytd only) | 7.9968% | 1,206 |
| Net charge-offs to loans | 0.7401% | 2,200 |
| Credit loss provision to net charge-offs | 108.8235% | 4,250 |
| Earnings coverage of net charge-offs (x) | 4.8922% | 2,971 |
| Efficiency ratio | 61.2377% | 6,361 |
| Assets per employee ($millions) | 3.3359% | 5,221 |
| Cash dividends to net income (ytd only)* | 20.2999% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,438 |
| Loan loss allowance to noncurrent loans | 111.9835% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 5,978 |
| Noncurrent loans to loans | 0.8669% | 5,483 |
| Net loans and leases to total assets | 52.8935% | 6,578 |
| Net loans and leases to deposits | 63.2862% | 6,635 |
| Net loans and leases to core deposits | 82.6167% | 6,192 |
| Total domestic deposits to total assets | 83.5781% | 3,974 |
| Equity capital to assets | 11.1567% | 2,789 |
| Core capital (leverage) ratio | 10.8642% | 2,518 |
| Tier 1 risk-based capital ratio | 16.8875% | 2,335 |
| Total risk-based capital ratio | 17.7043% | 2,409 |
| Memoranda: | ||
| Average total assets | $155,826,670 | 3,905 |
| Average earning assets | $142,026,330 | 3,901 |
| Average equity | $17,282,000 | 3,667 |
| Average total loans | $82,696,670 | 4,506 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3682% | 1,135 |
| Cost of funding earning assets | 1.7466% | 5,371 |
| Net interest margin | 4.6216% | 907 |
| Noninterest income to average assets | 0.7441% | 2,634 |
| Noninterest expense to average assets | 3.0255% | 3,654 |
| Loan and lease loss provision to assets | 0.5150% | 2,408 |
| Net operating income to assets | 0.9915% | 2,347 |
| Return on assets (ROA) | 1.0119% | 2,401 |
| Pretax return on assets | 1.4085% | 1,942 |
| Return on Equity (ROE) | 9.1518% | 2,652 |
| Retained earnings to average equity (ytd only) | 7.1025% | 2,174 |
| Net charge-offs to loans | 0.5354% | 2,112 |
| Credit loss provision to net charge-offs | 181.8182% | 2,394 |
| Earnings coverage of net charge-offs (x) | 6.6909% | 2,451 |
| Efficiency ratio | 61.4861% | 6,158 |
| Assets per employee ($millions) | 3.4133% | 5,037 |
| Cash dividends to net income (ytd only)* | 22.3919% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,747 |
| Loan loss allowance to noncurrent loans | 147.4747% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 5,927 |
| Noncurrent loans to loans | 0.7188% | 5,620 |
| Net loans and leases to total assets | 50.9649% | 6,769 |
| Net loans and leases to deposits | 62.5392% | 6,689 |
| Net loans and leases to core deposits | 81.0203% | 6,311 |
| Total domestic deposits to total assets | 81.4928% | 4,748 |
| Equity capital to assets | 10.8219% | 3,153 |
| Core capital (leverage) ratio | 10.7601% | 2,688 |
| Tier 1 risk-based capital ratio | 16.5611% | 2,495 |
| Total risk-based capital ratio | 17.4429% | 2,558 |
| Memoranda: | ||
| Average total assets | $155,347,500 | 3,921 |
| Average earning assets | $140,385,500 | 3,944 |
| Average equity | $17,177,000 | 3,701 |
| Average total loans | $82,174,000 | 4,552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9278% | 1,318 |
| Cost of funding earning assets | 2.2444% | 5,395 |
| Net interest margin | 4.6834% | 1,002 |
| Noninterest income to average assets | 0.9572% | 1,736 |
| Noninterest expense to average assets | 3.3336% | 2,860 |
| Loan and lease loss provision to assets | 0.2306% | 4,588 |
| Net operating income to assets | 1.1872% | 1,814 |
| Return on assets (ROA) | 0.6911% | 3,764 |
| Pretax return on assets | 1.1169% | 2,972 |
| Return on Equity (ROE) | 5.9307% | 3,972 |
| Retained earnings to average equity (ytd only) | 1.4553% | 4,347 |
| Net charge-offs to loans | 0.3928% | 2,853 |
| Credit loss provision to net charge-offs | 101.5625% | 5,239 |
| Earnings coverage of net charge-offs (x) | 8.1125% | 2,937 |
| Efficiency ratio | 64.4091% | 5,474 |
| Assets per employee ($millions) | 3.1973% | 5,491 |
| Cash dividends to net income (ytd only)* | 75.4620% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 6,325 |
| Loan loss allowance to noncurrent loans | 86.1842% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 5,220 |
| Noncurrent loans to loans | 1.1161% | 4,317 |
| Net loans and leases to total assets | 53.8534% | 6,675 |
| Net loans and leases to deposits | 66.7502% | 6,589 |
| Net loans and leases to core deposits | 86.6724% | 6,090 |
| Total domestic deposits to total assets | 80.6789% | 4,780 |
| Equity capital to assets | 11.3082% | 2,796 |
| Core capital (leverage) ratio | 10.9466% | 2,628 |
| Tier 1 risk-based capital ratio | 16.8247% | 2,371 |
| Total risk-based capital ratio | 17.6451% | 2,460 |
| Memoranda: | ||
| Average total assets | $140,927,000 | 4,062 |
| Average earning assets | $126,937,200 | 4,109 |
| Average equity | $16,423,000 | 3,843 |
| Average total loans | $81,464,800 | 4,478 |