Home > Upper Peninsula State Bank > Performance and Condition Ratios
Upper Peninsula State 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 | 5.0741% | 1,909 |
| Cost of funding earning assets | 1.2865% | 2,563 |
| Net interest margin | 3.7876% | 1,581 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.8650% | 1,352 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.0178% | 2,160 |
| Return on assets (ROA) | 1.0414% | 2,068 |
| Pretax return on assets | 1.2705% | 1,956 |
| Return on Equity (ROE) | 8.1300% | 2,985 |
| Retained earnings to average equity (ytd only) | 4.5549% | 2,770 |
| Net charge-offs to loans | 0.0168% | 2,038 |
| Credit loss provision to net charge-offs | 1,032.4324% | 398 |
| Earnings coverage of net charge-offs (x) | 111.5405% | 852 |
| Efficiency ratio | 67.4734% | 2,174 |
| Assets per employee ($millions) | 5.3792% | 3,338 |
| Cash dividends to net income (ytd only)* | 43.9669% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 1,580 |
| Loan loss allowance to noncurrent loans | 889.1738% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 2,409 |
| Noncurrent loans to loans | 0.1519% | 2,755 |
| Net loans and leases to total assets | 74.3600% | 1,305 |
| Net loans and leases to deposits | 90.0894% | 1,253 |
| Net loans and leases to core deposits | 110.4026% | 946 |
| Total domestic deposits to total assets | 82.5400% | 3,007 |
| Equity capital to assets | 13.1011% | 844 |
| Core capital (leverage) ratio | 13.9584% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $301,609,000 | 2,422 |
| Average earning assets | $273,446,800 | 2,443 |
| Average equity | $38,639,400 | 1,925 |
| Average total loans | $220,681,400 | 2,159 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 1,948 |
| Cost of funding earning assets | 1.1913% | 2,460 |
| Net interest margin | 3.7584% | 1,672 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.8534% | 1,314 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9192% | 2,619 |
| Return on assets (ROA) | 1.0001% | 2,355 |
| Pretax return on assets | 1.2403% | 2,195 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.5068% | 2,461 |
| Net charge-offs to loans | 0.0232% | 1,627 |
| Credit loss provision to net charge-offs | 210.5263% | 1,088 |
| Earnings coverage of net charge-offs (x) | 69.7105% | 1,116 |
| Efficiency ratio | 70.5960% | 1,725 |
| Assets per employee ($millions) | 5.1047% | 3,519 |
| Cash dividends to net income (ytd only)* | 17.1327% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 1,977 |
| Loan loss allowance to noncurrent loans | 661.5023% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 2,280 |
| Noncurrent loans to loans | 0.1930% | 2,588 |
| Net loans and leases to total assets | 72.3500% | 1,531 |
| Net loans and leases to deposits | 87.6489% | 1,418 |
| Net loans and leases to core deposits | 104.0076% | 1,123 |
| Total domestic deposits to total assets | 82.5400% | 3,108 |
| Equity capital to assets | 12.9830% | 819 |
| Core capital (leverage) ratio | 14.0010% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $300,357,250 | 2,430 |
| Average earning assets | $272,309,250 | 2,459 |
| Average equity | $38,256,750 | 1,926 |
| Average total loans | $218,069,250 | 2,172 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 1,968 |
| Cost of funding earning assets | 1.1277% | 2,200 |
| Net interest margin | 3.6839% | 1,845 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.8199% | 1,376 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8775% | 2,831 |
| Return on assets (ROA) | 0.9191% | 2,676 |
| Pretax return on assets | 1.1364% | 2,546 |
| Return on Equity (ROE) | 7.2600% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.9039% | 2,659 |
| Net charge-offs to loans | 0.0378% | 1,152 |
| Credit loss provision to net charge-offs | 73.1707% | 1,579 |
| Earnings coverage of net charge-offs (x) | 40.4390% | 1,394 |
| Efficiency ratio | 71.6251% | 1,598 |
| Assets per employee ($millions) | 5.3476% | 3,281 |
| Cash dividends to net income (ytd only)* | 18.7092% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,084 |
| Loan loss allowance to noncurrent loans | 1,510.9290% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 2,726 |
| Noncurrent loans to loans | 0.0839% | 3,088 |
| Net loans and leases to total assets | 70.6400% | 1,671 |
| Net loans and leases to deposits | 84.9978% | 1,589 |
| Net loans and leases to core deposits | 99.7475% | 1,254 |
| Total domestic deposits to total assets | 83.1100% | 3,020 |
| Equity capital to assets | 12.6506% | 899 |
| Core capital (leverage) ratio | 13.7099% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $300,083,333 | 2,439 |
| Average earning assets | $272,047,667 | 2,466 |
| Average equity | $37,975,000 | 1,941 |
| Average total loans | $217,187,333 | 2,171 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 2,127 |
| Cost of funding earning assets | 1.0588% | 1,866 |
| Net interest margin | 3.5250% | 2,299 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.9693% | 1,115 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5506% | 3,793 |
| Return on assets (ROA) | 0.7215% | 3,372 |
| Pretax return on assets | 0.8854% | 3,278 |
| Return on Equity (ROE) | 5.7000% | 3,775 |
| Retained earnings to average equity (ytd only) | 4.3310% | 3,172 |
| Net charge-offs to loans | -0.0018% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.3793% | 798 |
| Assets per employee ($millions) | 5.2276% | 3,481 |
| Cash dividends to net income (ytd only)* | 24.0223% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,171 |
| Loan loss allowance to noncurrent loans | 1,105.5118% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 2,964 |
| Noncurrent loans to loans | 0.1151% | 2,944 |
| Net loans and leases to total assets | 71.8300% | 1,442 |
| Net loans and leases to deposits | 86.3304% | 1,326 |
| Net loans and leases to core deposits | 100.5903% | 1,065 |
| Total domestic deposits to total assets | 83.2000% | 3,255 |
| Equity capital to assets | 12.6061% | 847 |
| Core capital (leverage) ratio | 13.9185% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $297,717,000 | 2,483 |
| Average earning assets | $269,733,000 | 2,505 |
| Average equity | $37,682,000 | 1,972 |
| Average total loans | $216,733,000 | 2,192 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 1,606 |
| Cost of funding earning assets | 0.4005% | 2,099 |
| Net interest margin | 3.6427% | 1,514 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.6035% | 1,821 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9339% | 2,831 |
| Return on assets (ROA) | 0.8318% | 3,141 |
| Pretax return on assets | 1.0018% | 3,068 |
| Return on Equity (ROE) | 6.6600% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.9808% | 3,727 |
| Net charge-offs to loans | 0.0056% | 2,219 |
| Credit loss provision to net charge-offs | 772.7273% | 506 |
| Earnings coverage of net charge-offs (x) | 310.2727% | 476 |
| Efficiency ratio | 69.0626% | 1,817 |
| Assets per employee ($millions) | 5.0385% | 3,648 |
| Cash dividends to net income (ytd only)* | 55.2215% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,873 |
| Loan loss allowance to noncurrent loans | 1,416.3265% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,129 |
| Noncurrent loans to loans | 0.0921% | 3,100 |
| Net loans and leases to total assets | 71.8900% | 1,430 |
| Net loans and leases to deposits | 86.6430% | 1,264 |
| Net loans and leases to core deposits | 99.3780% | 1,035 |
| Total domestic deposits to total assets | 82.9700% | 3,425 |
| Equity capital to assets | 12.7098% | 763 |
| Core capital (leverage) ratio | 14.1142% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $295,866,000 | 2,470 |
| Average earning assets | $262,168,200 | 2,536 |
| Average equity | $36,970,400 | 2,040 |
| Average total loans | $196,233,200 | 2,257 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 1,429 |
| Cost of funding earning assets | 0.3402% | 1,784 |
| Net interest margin | 3.5828% | 1,429 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.6116% | 1,690 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8352% | 3,114 |
| Return on assets (ROA) | 0.7125% | 3,484 |
| Pretax return on assets | 0.8752% | 3,397 |
| Return on Equity (ROE) | 5.7300% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.3291% | 3,341 |
| Net charge-offs to loans | 0.0083% | 1,830 |
| Credit loss provision to net charge-offs | 708.3333% | 511 |
| Earnings coverage of net charge-offs (x) | 197.5000% | 626 |
| Efficiency ratio | 70.7931% | 1,671 |
| Assets per employee ($millions) | 5.0375% | 3,641 |
| Cash dividends to net income (ytd only)* | 24.4010% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 1,869 |
| Loan loss allowance to noncurrent loans | 1,308.9623% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 2,852 |
| Noncurrent loans to loans | 0.1019% | 3,148 |
| Net loans and leases to total assets | 71.4700% | 1,345 |
| Net loans and leases to deposits | 84.6221% | 1,260 |
| Net loans and leases to core deposits | 95.7770% | 1,013 |
| Total domestic deposits to total assets | 84.4500% | 3,396 |
| Equity capital to assets | 12.7110% | 729 |
| Core capital (leverage) ratio | 13.3426% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $296,774,500 | 2,487 |
| Average earning assets | $261,797,750 | 2,559 |
| Average equity | $36,927,500 | 2,069 |
| Average total loans | $192,074,750 | 2,288 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 1,538 |
| Cost of funding earning assets | 0.3456% | 1,315 |
| Net interest margin | 3.3555% | 1,740 |
| Noninterest income to average assets | 0.5314% | 2,035 |
| Noninterest expense to average assets | 2.5328% | 1,829 |
| Loan and lease loss provision to assets | 0.0500% | 1,684 |
| Net operating income to assets | 0.6808% | 3,376 |
| Return on assets (ROA) | 0.5107% | 3,822 |
| Pretax return on assets | 0.6787% | 3,630 |
| Return on Equity (ROE) | 4.1326% | 4,005 |
| Retained earnings to average equity (ytd only) | 2.7353% | 3,535 |
| Net charge-offs to loans | 0.0139% | 1,493 |
| Credit loss provision to net charge-offs | 576.9231% | 589 |
| Earnings coverage of net charge-offs (x) | 108.9231% | 780 |
| Efficiency ratio | 72.5983% | 1,679 |
| Assets per employee ($millions) | 5.2083% | 3,506 |
| Cash dividends to net income (ytd only)* | 33.8120% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,628 |
| Loan loss allowance to noncurrent loans | 921.3333% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 2,768 |
| Noncurrent loans to loans | 0.1555% | 2,913 |
| Net loans and leases to total assets | 62.9647% | 2,017 |
| Net loans and leases to deposits | 73.7295% | 1,896 |
| Net loans and leases to core deposits | 82.4317% | 1,566 |
| Total domestic deposits to total assets | 85.3995% | 3,395 |
| Equity capital to assets | 12.0558% | 854 |
| Core capital (leverage) ratio | 13.2476% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,987,333 | 2,482 |
| Average earning assets | $263,329,667 | 2,584 |
| Average equity | $37,070,667 | 2,108 |
| Average total loans | $186,772,333 | 2,334 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 1,570 |
| Cost of funding earning assets | 0.3657% | 1,090 |
| Net interest margin | 3.2112% | 1,855 |
| Noninterest income to average assets | 0.4911% | 2,188 |
| Noninterest expense to average assets | 2.4433% | 2,037 |
| Loan and lease loss provision to assets | 0.0602% | 1,328 |
| Net operating income to assets | 0.6659% | 3,172 |
| Return on assets (ROA) | 0.2917% | 4,137 |
| Pretax return on assets | 0.3439% | 4,123 |
| Return on Equity (ROE) | 2.3317% | 4,208 |
| Retained earnings to average equity (ytd only) | 0.9413% | 3,834 |
| Net charge-offs to loans | 0.0327% | 976 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 42.0667% | 993 |
| Efficiency ratio | 74.0334% | 1,739 |
| Assets per employee ($millions) | 5.5847% | 3,243 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,648 |
| Loan loss allowance to noncurrent loans | 1,193.0131% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 3,041 |
| Noncurrent loans to loans | 0.1233% | 3,205 |
| Net loans and leases to total assets | 59.5684% | 2,107 |
| Net loans and leases to deposits | 69.7521% | 1,989 |
| Net loans and leases to core deposits | 77.9632% | 1,615 |
| Total domestic deposits to total assets | 85.4003% | 3,436 |
| Equity capital to assets | 11.9838% | 962 |
| Core capital (leverage) ratio | 13.1723% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,941,500 | 2,500 |
| Average earning assets | $260,337,000 | 2,608 |
| Average equity | $37,397,000 | 2,158 |
| Average total loans | $183,675,000 | 2,347 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 1,529 |
| Cost of funding earning assets | 0.4206% | 1,387 |
| Net interest margin | 3.5137% | 1,691 |
| Noninterest income to average assets | 0.7341% | 1,649 |
| Noninterest expense to average assets | 2.4133% | 2,449 |
| Loan and lease loss provision to assets | 0.0867% | 1,419 |
| Net operating income to assets | 1.0748% | 2,391 |
| Return on assets (ROA) | 1.0955% | 2,375 |
| Pretax return on assets | 1.3330% | 2,257 |
| Return on Equity (ROE) | 8.2917% | 3,137 |
| Retained earnings to average equity (ytd only) | 4.6341% | 2,952 |
| Net charge-offs to loans | 0.0180% | 1,921 |
| Credit loss provision to net charge-offs | 774.1935% | 616 |
| Earnings coverage of net charge-offs (x) | 124.4516% | 758 |
| Efficiency ratio | 63.0755% | 2,703 |
| Assets per employee ($millions) | 5.5909% | 3,170 |
| Cash dividends to net income (ytd only)* | 44.1109% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,601 |
| Loan loss allowance to noncurrent loans | 670.4715% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,892 |
| Noncurrent loans to loans | 0.2219% | 2,856 |
| Net loans and leases to total assets | 61.5519% | 1,990 |
| Net loans and leases to deposits | 73.0594% | 1,807 |
| Net loans and leases to core deposits | 82.8877% | 1,390 |
| Total domestic deposits to total assets | 84.2491% | 3,486 |
| Equity capital to assets | 13.0655% | 877 |
| Core capital (leverage) ratio | 13.6048% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,677,800 | 2,562 |
| Average earning assets | $242,026,400 | 2,668 |
| Average equity | $36,554,800 | 2,223 |
| Average total loans | $172,608,200 | 2,440 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 1,679 |
| Cost of funding earning assets | 0.4362% | 1,446 |
| Net interest margin | 3.4967% | 1,868 |
| Noninterest income to average assets | 0.7536% | 1,662 |
| Noninterest expense to average assets | 2.3448% | 2,611 |
| Loan and lease loss provision to assets | 0.0586% | 1,820 |
| Net operating income to assets | 1.1238% | 2,467 |
| Return on assets (ROA) | 1.1519% | 2,415 |
| Pretax return on assets | 1.4291% | 2,215 |
| Return on Equity (ROE) | 8.6929% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.2711% | 2,320 |
| Net charge-offs to loans | 0.0211% | 1,627 |
| Credit loss provision to net charge-offs | 444.4444% | 818 |
| Earnings coverage of net charge-offs (x) | 110.2593% | 819 |
| Efficiency ratio | 61.4831% | 2,771 |
| Assets per employee ($millions) | 5.7988% | 2,892 |
| Cash dividends to net income (ytd only)* | 16.3559% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,818 |
| Loan loss allowance to noncurrent loans | 612.7962% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 3,049 |
| Noncurrent loans to loans | 0.2365% | 2,988 |
| Net loans and leases to total assets | 61.8988% | 2,018 |
| Net loans and leases to deposits | 73.7640% | 1,884 |
| Net loans and leases to core deposits | 84.5187% | 1,388 |
| Total domestic deposits to total assets | 83.9147% | 3,481 |
| Equity capital to assets | 13.0601% | 968 |
| Core capital (leverage) ratio | 13.9075% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,165,500 | 2,602 |
| Average earning assets | $237,815,000 | 2,714 |
| Average equity | $36,197,250 | 2,266 |
| Average total loans | $170,347,750 | 2,496 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 1,688 |
| Cost of funding earning assets | 0.4549% | 1,489 |
| Net interest margin | 3.4924% | 1,875 |
| Noninterest income to average assets | 0.7599% | 1,648 |
| Noninterest expense to average assets | 2.3903% | 2,494 |
| Loan and lease loss provision to assets | 0.0668% | 1,710 |
| Net operating income to assets | 1.0725% | 2,638 |
| Return on assets (ROA) | 1.0857% | 2,664 |
| Pretax return on assets | 1.3447% | 2,500 |
| Return on Equity (ROE) | 8.1519% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.7199% | 2,531 |
| Net charge-offs to loans | 0.0119% | 1,720 |
| Credit loss provision to net charge-offs | 900.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 514 |
| Efficiency ratio | 62.8896% | 2,595 |
| Assets per employee ($millions) | 5.7127% | 2,879 |
| Cash dividends to net income (ytd only)* | 17.5666% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,675 |
| Loan loss allowance to noncurrent loans | 442.8571% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 2,836 |
| Noncurrent loans to loans | 0.3327% | 2,721 |
| Net loans and leases to total assets | 61.4745% | 2,242 |
| Net loans and leases to deposits | 73.0917% | 2,095 |
| Net loans and leases to core deposits | 84.2548% | 1,540 |
| Total domestic deposits to total assets | 84.1060% | 3,396 |
| Equity capital to assets | 13.0060% | 938 |
| Core capital (leverage) ratio | 13.8594% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,507,000 | 2,619 |
| Average earning assets | $233,479,333 | 2,732 |
| Average equity | $35,893,333 | 2,274 |
| Average total loans | $167,641,667 | 2,530 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 1,498 |
| Cost of funding earning assets | 0.4826% | 1,496 |
| Net interest margin | 3.5739% | 1,649 |
| Noninterest income to average assets | 0.8082% | 1,561 |
| Noninterest expense to average assets | 2.3912% | 2,515 |
| Loan and lease loss provision to assets | 0.0681% | 1,789 |
| Net operating income to assets | 1.1670% | 2,273 |
| Return on assets (ROA) | 1.0836% | 2,605 |
| Pretax return on assets | 1.3394% | 2,462 |
| Return on Equity (ROE) | 8.0367% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.6000% | 2,696 |
| Net charge-offs to loans | -0.0024% | 3,176 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0163% | 2,910 |
| Assets per employee ($millions) | 5.8449% | 2,752 |
| Cash dividends to net income (ytd only)* | 17.8771% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,410 |
| Loan loss allowance to noncurrent loans | 368.5051% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 2,882 |
| Noncurrent loans to loans | 0.4216% | 2,593 |
| Net loans and leases to total assets | 58.5660% | 2,731 |
| Net loans and leases to deposits | 69.6639% | 2,541 |
| Net loans and leases to core deposits | 80.3751% | 1,966 |
| Total domestic deposits to total assets | 84.0693% | 3,410 |
| Equity capital to assets | 13.0400% | 902 |
| Core capital (leverage) ratio | 14.4015% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,298,500 | 2,633 |
| Average earning assets | $228,772,000 | 2,757 |
| Average equity | $35,636,500 | 2,278 |
| Average total loans | $164,135,000 | 2,559 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 2,241 |
| Cost of funding earning assets | 0.6156% | 2,207 |
| Net interest margin | 3.5504% | 2,310 |
| Noninterest income to average assets | 1.1079% | 866 |
| Noninterest expense to average assets | 2.4946% | 2,864 |
| Loan and lease loss provision to assets | 0.1307% | 2,726 |
| Net operating income to assets | 1.3900% | 1,042 |
| Return on assets (ROA) | 1.4415% | 1,014 |
| Pretax return on assets | 1.7683% | 733 |
| Return on Equity (ROE) | 9.7078% | 2,115 |
| Retained earnings to average equity (ytd only) | 4.7573% | 2,391 |
| Net charge-offs to loans | 0.0837% | 1,628 |
| Credit loss provision to net charge-offs | 234.8485% | 1,996 |
| Earnings coverage of net charge-offs (x) | 32.9848% | 1,534 |
| Efficiency ratio | 57.3376% | 3,811 |
| Assets per employee ($millions) | 5.2893% | 3,059 |
| Cash dividends to net income (ytd only)* | 50.9947% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,539 |
| Loan loss allowance to noncurrent loans | 373.7631% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 2,923 |
| Noncurrent loans to loans | 0.4046% | 2,764 |
| Net loans and leases to total assets | 63.9463% | 2,373 |
| Net loans and leases to deposits | 77.4174% | 2,133 |
| Net loans and leases to core deposits | 92.3320% | 1,362 |
| Total domestic deposits to total assets | 82.5994% | 3,515 |
| Equity capital to assets | 13.9632% | 811 |
| Core capital (leverage) ratio | 15.0014% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,114,800 | 2,675 |
| Average earning assets | $215,244,000 | 2,710 |
| Average equity | $35,208,800 | 2,226 |
| Average total loans | $157,760,600 | 2,580 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 2,437 |
| Cost of funding earning assets | 0.6450% | 2,353 |
| Net interest margin | 3.5396% | 2,460 |
| Noninterest income to average assets | 1.0779% | 897 |
| Noninterest expense to average assets | 2.4036% | 3,122 |
| Loan and lease loss provision to assets | 0.0343% | 3,908 |
| Net operating income to assets | 1.5189% | 867 |
| Return on assets (ROA) | 1.5175% | 948 |
| Pretax return on assets | 1.8770% | 670 |
| Return on Equity (ROE) | 10.0562% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.9532% | 1,716 |
| Net charge-offs to loans | 0.0598% | 1,748 |
| Credit loss provision to net charge-offs | 85.7143% | 2,723 |
| Earnings coverage of net charge-offs (x) | 47.7429% | 1,228 |
| Efficiency ratio | 55.4038% | 3,990 |
| Assets per employee ($millions) | 5.3041% | 2,887 |
| Cash dividends to net income (ytd only)* | 30.8563% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,717 |
| Loan loss allowance to noncurrent loans | 300.1302% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 2,744 |
| Noncurrent loans to loans | 0.4681% | 2,650 |
| Net loans and leases to total assets | 66.3039% | 2,482 |
| Net loans and leases to deposits | 80.5265% | 2,261 |
| Net loans and leases to core deposits | 94.2552% | 1,622 |
| Total domestic deposits to total assets | 82.3380% | 3,329 |
| Equity capital to assets | 14.8799% | 665 |
| Core capital (leverage) ratio | 15.3285% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,921,500 | 2,685 |
| Average earning assets | $213,124,250 | 2,707 |
| Average equity | $35,148,250 | 2,216 |
| Average total loans | $155,989,500 | 2,610 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 2,777 |
| Cost of funding earning assets | 0.6654% | 2,586 |
| Net interest margin | 3.5307% | 2,700 |
| Noninterest income to average assets | 1.0339% | 923 |
| Noninterest expense to average assets | 2.4072% | 3,246 |
| Loan and lease loss provision to assets | 0.0262% | 3,930 |
| Net operating income to assets | 1.5131% | 905 |
| Return on assets (ROA) | 1.3803% | 1,248 |
| Pretax return on assets | 1.7005% | 1,002 |
| Return on Equity (ROE) | 9.1017% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.6116% | 1,429 |
| Net charge-offs to loans | -0.0052% | 4,023 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7247% | 3,977 |
| Assets per employee ($millions) | 5.8571% | 2,307 |
| Cash dividends to net income (ytd only)* | 16.3717% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,282 |
| Loan loss allowance to noncurrent loans | 234.9000% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 2,382 |
| Noncurrent loans to loans | 0.6360% | 2,273 |
| Net loans and leases to total assets | 62.9646% | 3,012 |
| Net loans and leases to deposits | 77.3205% | 2,726 |
| Net loans and leases to core deposits | 90.5230% | 2,030 |
| Total domestic deposits to total assets | 81.4333% | 3,516 |
| Equity capital to assets | 14.4992% | 739 |
| Core capital (leverage) ratio | 15.6137% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,233,000 | 2,685 |
| Average earning assets | $211,915,333 | 2,698 |
| Average equity | $34,762,667 | 2,217 |
| Average total loans | $153,293,333 | 2,629 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 2,708 |
| Cost of funding earning assets | 0.6990% | 2,934 |
| Net interest margin | 3.6738% | 2,422 |
| Noninterest income to average assets | 1.0378% | 791 |
| Noninterest expense to average assets | 2.4360% | 3,458 |
| Loan and lease loss provision to assets | 0.0272% | 3,450 |
| Net operating income to assets | 1.6362% | 579 |
| Return on assets (ROA) | 1.2352% | 1,521 |
| Pretax return on assets | 1.5123% | 1,273 |
| Return on Equity (ROE) | 7.9510% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.4471% | 1,729 |
| Net charge-offs to loans | -0.0053% | 3,888 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2799% | 4,382 |
| Assets per employee ($millions) | 5.1892% | 2,439 |
| Cash dividends to net income (ytd only)* | 18.9150% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,243 |
| Loan loss allowance to noncurrent loans | 275.9763% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 2,612 |
| Noncurrent loans to loans | 0.5546% | 2,616 |
| Net loans and leases to total assets | 67.2316% | 2,664 |
| Net loans and leases to deposits | 84.5524% | 2,164 |
| Net loans and leases to core deposits | 101.1912% | 1,382 |
| Total domestic deposits to total assets | 79.5147% | 3,953 |
| Equity capital to assets | 15.5165% | 668 |
| Core capital (leverage) ratio | 16.4675% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,849,500 | 2,707 |
| Average earning assets | $206,000,000 | 2,694 |
| Average equity | $34,310,000 | 2,231 |
| Average total loans | $151,319,000 | 2,627 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 2,413 |
| Cost of funding earning assets | 0.6265% | 3,528 |
| Net interest margin | 4.0427% | 1,702 |
| Noninterest income to average assets | 0.6509% | 2,002 |
| Noninterest expense to average assets | 2.6331% | 3,087 |
| Loan and lease loss provision to assets | 0.0778% | 2,442 |
| Net operating income to assets | 1.3816% | 1,406 |
| Return on assets (ROA) | 1.5307% | 1,040 |
| Pretax return on assets | 1.8670% | 802 |
| Return on Equity (ROE) | 9.4266% | 2,556 |
| Retained earnings to average equity (ytd only) | 5.5290% | 2,146 |
| Net charge-offs to loans | 0.0239% | 2,926 |
| Credit loss provision to net charge-offs | 470.5882% | 617 |
| Earnings coverage of net charge-offs (x) | 106.6765% | 648 |
| Efficiency ratio | 59.7413% | 3,736 |
| Assets per employee ($millions) | 5.0829% | 2,475 |
| Cash dividends to net income (ytd only)* | 41.3465% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,114 |
| Loan loss allowance to noncurrent loans | 223.4556% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 2,127 |
| Noncurrent loans to loans | 0.6893% | 2,161 |
| Net loans and leases to total assets | 67.7027% | 2,722 |
| Net loans and leases to deposits | 85.4540% | 2,157 |
| Net loans and leases to core deposits | 105.2514% | 1,154 |
| Total domestic deposits to total assets | 79.2270% | 4,142 |
| Equity capital to assets | 15.5548% | 681 |
| Core capital (leverage) ratio | 17.2392% | 393 |
| Tier 1 risk-based capital ratio | 22.2837% | 991 |
| Total risk-based capital ratio | 23.5354% | 967 |
| Memoranda: | ||
| Average total assets | $205,727,800 | 2,796 |
| Average earning assets | $190,591,400 | 2,796 |
| Average equity | $33,405,600 | 2,214 |
| Average total loans | $142,292,600 | 2,697 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,280 |
| Cost of funding earning assets | 0.6258% | 3,552 |
| Net interest margin | 4.1213% | 1,570 |
| Noninterest income to average assets | 0.6511% | 1,982 |
| Noninterest expense to average assets | 2.6170% | 3,117 |
| Loan and lease loss provision to assets | 0.0296% | 3,309 |
| Net operating income to assets | 1.4834% | 1,233 |
| Return on assets (ROA) | 1.4839% | 1,290 |
| Pretax return on assets | 1.8164% | 1,045 |
| Return on Equity (ROE) | 9.0363% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.4728% | 1,639 |
| Net charge-offs to loans | 0.0342% | 2,389 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 77.8592% | 876 |
| Efficiency ratio | 58.5423% | 3,855 |
| Assets per employee ($millions) | 4.6767% | 2,942 |
| Cash dividends to net income (ytd only)* | 17.3027% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,187 |
| Loan loss allowance to noncurrent loans | 258.5882% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,413 |
| Noncurrent loans to loans | 0.5889% | 2,519 |
| Net loans and leases to total assets | 70.6881% | 2,377 |
| Net loans and leases to deposits | 88.3908% | 1,882 |
| Net loans and leases to core deposits | 99.8518% | 1,667 |
| Total domestic deposits to total assets | 79.9723% | 3,998 |
| Equity capital to assets | 17.2878% | 462 |
| Core capital (leverage) ratio | 17.6977% | 373 |
| Tier 1 risk-based capital ratio | 23.1259% | 935 |
| Total risk-based capital ratio | 24.3774% | 915 |
| Memoranda: | ||
| Average total assets | $202,519,000 | 2,842 |
| Average earning assets | $187,281,000 | 2,844 |
| Average equity | $33,257,750 | 2,240 |
| Average total loans | $140,293,750 | 2,750 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 2,406 |
| Cost of funding earning assets | 0.6265% | 3,520 |
| Net interest margin | 4.0598% | 1,727 |
| Noninterest income to average assets | 0.5931% | 2,184 |
| Noninterest expense to average assets | 2.6582% | 3,036 |
| Loan and lease loss provision to assets | 0.0296% | 3,229 |
| Net operating income to assets | 1.3559% | 1,553 |
| Return on assets (ROA) | 1.3567% | 1,619 |
| Pretax return on assets | 1.6542% | 1,385 |
| Return on Equity (ROE) | 8.4078% | 3,113 |
| Retained earnings to average equity (ytd only) | 6.8203% | 1,891 |
| Net charge-offs to loans | 0.0547% | 1,863 |
| Credit loss provision to net charge-offs | 78.9474% | 2,231 |
| Earnings coverage of net charge-offs (x) | 44.9474% | 1,178 |
| Efficiency ratio | 61.2347% | 3,552 |
| Assets per employee ($millions) | 4.5266% | 3,101 |
| Cash dividends to net income (ytd only)* | 18.8816% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,138 |
| Loan loss allowance to noncurrent loans | 647.1810% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 3,316 |
| Noncurrent loans to loans | 0.2393% | 3,680 |
| Net loans and leases to total assets | 68.0588% | 2,802 |
| Net loans and leases to deposits | 84.1681% | 2,475 |
| Net loans and leases to core deposits | 93.2401% | 2,306 |
| Total domestic deposits to total assets | 80.8605% | 3,858 |
| Equity capital to assets | 16.6069% | 517 |
| Core capital (leverage) ratio | 17.4144% | 392 |
| Tier 1 risk-based capital ratio | 23.1794% | 932 |
| Total risk-based capital ratio | 24.4312% | 903 |
| Memoranda: | ||
| Average total assets | $202,993,330 | 2,848 |
| Average earning assets | $187,399,670 | 2,851 |
| Average equity | $32,755,330 | 2,258 |
| Average total loans | $138,942,000 | 2,778 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 2,474 |
| Cost of funding earning assets | 0.6300% | 3,406 |
| Net interest margin | 3.9876% | 1,883 |
| Noninterest income to average assets | 0.4540% | 2,834 |
| Noninterest expense to average assets | 2.5938% | 3,232 |
| Loan and lease loss provision to assets | 0.0296% | 3,027 |
| Net operating income to assets | 1.2400% | 1,922 |
| Return on assets (ROA) | 1.2416% | 1,964 |
| Pretax return on assets | 1.5061% | 1,742 |
| Return on Equity (ROE) | 7.8091% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.1951% | 2,372 |
| Net charge-offs to loans | 0.0928% | 1,202 |
| Credit loss provision to net charge-offs | 46.8750% | 1,995 |
| Earnings coverage of net charge-offs (x) | 24.2813% | 1,454 |
| Efficiency ratio | 62.8407% | 3,400 |
| Assets per employee ($millions) | 4.7179% | 2,894 |
| Cash dividends to net income (ytd only)* | 20.6677% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,073 |
| Loan loss allowance to noncurrent loans | 318.9427% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,845 |
| Noncurrent loans to loans | 0.4996% | 2,814 |
| Net loans and leases to total assets | 66.1213% | 3,034 |
| Net loans and leases to deposits | 81.2250% | 2,701 |
| Net loans and leases to core deposits | 89.7839% | 2,526 |
| Total domestic deposits to total assets | 81.4052% | 3,880 |
| Equity capital to assets | 16.1474% | 550 |
| Core capital (leverage) ratio | 17.1465% | 412 |
| Tier 1 risk-based capital ratio | 23.2813% | 907 |
| Total risk-based capital ratio | 24.5337% | 885 |
| Memoranda: | ||
| Average total assets | $202,640,500 | 2,874 |
| Average earning assets | $186,681,000 | 2,888 |
| Average equity | $32,219,000 | 2,287 |
| Average total loans | $138,005,000 | 2,814 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,923 |
| Cost of funding earning assets | 0.5465% | 3,074 |
| Net interest margin | 4.1258% | 1,602 |
| Noninterest income to average assets | 0.5717% | 2,441 |
| Noninterest expense to average assets | 2.6965% | 3,034 |
| Loan and lease loss provision to assets | 0.0610% | 2,938 |
| Net operating income to assets | 1.3700% | 1,534 |
| Return on assets (ROA) | 1.3696% | 1,524 |
| Pretax return on assets | 1.6501% | 1,315 |
| Return on Equity (ROE) | 8.4635% | 3,233 |
| Retained earnings to average equity (ytd only) | 2.3176% | 4,230 |
| Net charge-offs to loans | 0.2302% | 847 |
| Credit loss provision to net charge-offs | 38.8350% | 3,293 |
| Earnings coverage of net charge-offs (x) | 10.8997% | 2,672 |
| Efficiency ratio | 61.1713% | 3,667 |
| Assets per employee ($millions) | 4.4003% | 3,308 |
| Cash dividends to net income (ytd only)* | 72.6160% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 1,105 |
| Loan loss allowance to noncurrent loans | 224.0532% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,591 |
| Noncurrent loans to loans | 0.6994% | 2,242 |
| Net loans and leases to total assets | 67.9354% | 2,887 |
| Net loans and leases to deposits | 85.5598% | 2,340 |
| Net loans and leases to core deposits | 93.9257% | 2,233 |
| Total domestic deposits to total assets | 79.4010% | 4,236 |
| Equity capital to assets | 15.6512% | 593 |
| Core capital (leverage) ratio | 16.6213% | 446 |
| Tier 1 risk-based capital ratio | 22.6851% | 944 |
| Total risk-based capital ratio | 23.9373% | 918 |
| Memoranda: | ||
| Average total assets | $196,774,800 | 2,902 |
| Average earning assets | $182,968,600 | 2,887 |
| Average equity | $31,842,600 | 2,228 |
| Average total loans | $134,251,600 | 2,832 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 1,858 |
| Cost of funding earning assets | 0.5147% | 3,098 |
| Net interest margin | 4.1292% | 1,547 |
| Noninterest income to average assets | 0.5740% | 2,458 |
| Noninterest expense to average assets | 2.6876% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4215% | 1,409 |
| Return on assets (ROA) | 1.4209% | 1,413 |
| Pretax return on assets | 1.7239% | 1,219 |
| Return on Equity (ROE) | 8.7065% | 3,237 |
| Retained earnings to average equity (ytd only) | 4.2362% | 3,654 |
| Net charge-offs to loans | 0.2217% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 11.4344% | 2,517 |
| Efficiency ratio | 60.9126% | 3,669 |
| Assets per employee ($millions) | 4.3773% | 3,314 |
| Cash dividends to net income (ytd only)* | 51.3450% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,198 |
| Loan loss allowance to noncurrent loans | 295.8848% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 3,075 |
| Noncurrent loans to loans | 0.5230% | 2,814 |
| Net loans and leases to total assets | 68.1526% | 2,908 |
| Net loans and leases to deposits | 86.0186% | 2,363 |
| Net loans and leases to core deposits | 94.0665% | 2,281 |
| Total domestic deposits to total assets | 79.2301% | 4,272 |
| Equity capital to assets | 15.9659% | 547 |
| Core capital (leverage) ratio | 17.0805% | 412 |
| Tier 1 risk-based capital ratio | 23.0855% | 928 |
| Total risk-based capital ratio | 24.3375% | 905 |
| Memoranda: | ||
| Average total assets | $195,365,250 | 2,937 |
| Average earning assets | $181,597,250 | 2,930 |
| Average equity | $31,883,250 | 2,226 |
| Average total loans | $132,889,750 | 2,864 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,850 |
| Cost of funding earning assets | 0.4736% | 3,201 |
| Net interest margin | 4.1037% | 1,543 |
| Noninterest income to average assets | 0.5358% | 2,664 |
| Noninterest expense to average assets | 2.6974% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3703% | 1,536 |
| Return on assets (ROA) | 1.3694% | 1,542 |
| Pretax return on assets | 1.6549% | 1,328 |
| Return on Equity (ROE) | 8.3284% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.1955% | 3,969 |
| Net charge-offs to loans | 0.3702% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.6157% | 2,607 |
| Efficiency ratio | 61.9625% | 3,630 |
| Assets per employee ($millions) | 4.3014% | 3,418 |
| Cash dividends to net income (ytd only)* | 61.6314% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,244 |
| Loan loss allowance to noncurrent loans | 290.6122% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 2,920 |
| Noncurrent loans to loans | 0.5331% | 2,818 |
| Net loans and leases to total assets | 70.1309% | 2,561 |
| Net loans and leases to deposits | 89.2402% | 1,943 |
| Net loans and leases to core deposits | 97.3264% | 1,937 |
| Total domestic deposits to total assets | 78.5866% | 4,493 |
| Equity capital to assets | 16.4331% | 449 |
| Core capital (leverage) ratio | 17.6922% | 335 |
| Tier 1 risk-based capital ratio | 23.1259% | 921 |
| Total risk-based capital ratio | 24.3780% | 904 |
| Memoranda: | ||
| Average total assets | $193,369,000 | 2,967 |
| Average earning assets | $179,886,330 | 2,968 |
| Average equity | $31,795,000 | 2,235 |
| Average total loans | $130,724,670 | 2,902 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 1,810 |
| Cost of funding earning assets | 0.4646% | 3,091 |
| Net interest margin | 4.0525% | 1,556 |
| Noninterest income to average assets | 0.4781% | 2,953 |
| Noninterest expense to average assets | 2.6222% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3515% | 1,474 |
| Return on assets (ROA) | 1.3515% | 1,486 |
| Pretax return on assets | 1.6288% | 1,301 |
| Return on Equity (ROE) | 8.2168% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.5432% | 2,478 |
| Net charge-offs to loans | 0.3272% | 469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.5673% | 2,075 |
| Efficiency ratio | 61.6845% | 3,842 |
| Assets per employee ($millions) | 4.5511% | 3,068 |
| Cash dividends to net income (ytd only)* | 20.3675% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 886 |
| Loan loss allowance to noncurrent loans | 201.5957% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 2,262 |
| Noncurrent loans to loans | 0.8614% | 2,100 |
| Net loans and leases to total assets | 65.7550% | 3,072 |
| Net loans and leases to deposits | 81.2836% | 2,659 |
| Net loans and leases to core deposits | 84.2985% | 2,952 |
| Total domestic deposits to total assets | 80.8959% | 4,227 |
| Equity capital to assets | 16.2906% | 466 |
| Core capital (leverage) ratio | 17.4995% | 344 |
| Tier 1 risk-based capital ratio | 24.0046% | 839 |
| Total risk-based capital ratio | 25.2587% | 816 |
| Memoranda: | ||
| Average total assets | $193,273,000 | 2,999 |
| Average earning assets | $179,938,000 | 2,991 |
| Average equity | $31,788,500 | 2,250 |
| Average total loans | $127,146,000 | 2,973 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 1,942 |
| Cost of funding earning assets | 0.4482% | 2,794 |
| Net interest margin | 3.9806% | 1,806 |
| Noninterest income to average assets | 0.6155% | 2,378 |
| Noninterest expense to average assets | 2.5429% | 3,630 |
| Loan and lease loss provision to assets | 0.1137% | 2,002 |
| Net operating income to assets | 1.0773% | 1,951 |
| Return on assets (ROA) | 1.0787% | 1,961 |
| Pretax return on assets | 1.6572% | 1,129 |
| Return on Equity (ROE) | 6.4010% | 3,578 |
| Retained earnings to average equity (ytd only) | 2.3659% | 3,908 |
| Net charge-offs to loans | 0.0920% | 2,165 |
| Credit loss provision to net charge-offs | 191.9643% | 1,419 |
| Earnings coverage of net charge-offs (x) | 29.8661% | 1,551 |
| Efficiency ratio | 58.9772% | 4,417 |
| Assets per employee ($millions) | 4.5440% | 3,123 |
| Cash dividends to net income (ytd only)* | 63.0392% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 616 |
| Loan loss allowance to noncurrent loans | 204.1202% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 1,988 |
| Noncurrent loans to loans | 0.9446% | 1,884 |
| Net loans and leases to total assets | 63.3796% | 3,444 |
| Net loans and leases to deposits | 79.7384% | 2,946 |
| Net loans and leases to core deposits | 83.2485% | 3,133 |
| Total domestic deposits to total assets | 79.4844% | 4,448 |
| Equity capital to assets | 16.6083% | 442 |
| Core capital (leverage) ratio | 17.5830% | 325 |
| Tier 1 risk-based capital ratio | 24.6873% | 752 |
| Total risk-based capital ratio | 25.9432% | 734 |
| Memoranda: | ||
| Average total assets | $189,112,400 | 3,029 |
| Average earning assets | $175,601,600 | 3,005 |
| Average equity | $31,869,800 | 2,225 |
| Average total loans | $121,780,200 | 3,034 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 1,925 |
| Cost of funding earning assets | 0.4446% | 2,763 |
| Net interest margin | 3.9694% | 1,806 |
| Noninterest income to average assets | 0.6445% | 2,237 |
| Noninterest expense to average assets | 2.5263% | 3,643 |
| Loan and lease loss provision to assets | 0.1201% | 1,806 |
| Net operating income to assets | 1.2246% | 1,594 |
| Return on assets (ROA) | 1.2246% | 1,624 |
| Pretax return on assets | 1.6825% | 1,167 |
| Return on Equity (ROE) | 7.2403% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.5733% | 2,491 |
| Net charge-offs to loans | -0.0736% | 5,291 |
| Credit loss provision to net charge-offs | -253.7313% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3578% | 4,456 |
| Assets per employee ($millions) | 4.6332% | 2,928 |
| Cash dividends to net income (ytd only)* | 23.0238% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0362% | 541 |
| Loan loss allowance to noncurrent loans | 172.1727% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 1,798 |
| Noncurrent loans to loans | 1.1826% | 1,625 |
| Net loans and leases to total assets | 63.6229% | 3,468 |
| Net loans and leases to deposits | 80.9649% | 2,878 |
| Net loans and leases to core deposits | 85.1550% | 3,037 |
| Total domestic deposits to total assets | 78.5808% | 4,614 |
| Equity capital to assets | 17.2342% | 406 |
| Core capital (leverage) ratio | 17.6780% | 325 |
| Tier 1 risk-based capital ratio | 24.8862% | 766 |
| Total risk-based capital ratio | 26.1429% | 751 |
| Memoranda: | ||
| Average total assets | $188,678,000 | 3,058 |
| Average earning assets | $175,135,250 | 3,038 |
| Average equity | $31,913,000 | 2,241 |
| Average total loans | $121,390,750 | 3,059 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 1,921 |
| Cost of funding earning assets | 0.4426% | 2,672 |
| Net interest margin | 3.9241% | 1,852 |
| Noninterest income to average assets | 0.6502% | 2,202 |
| Noninterest expense to average assets | 2.5349% | 3,629 |
| Loan and lease loss provision to assets | 0.1275% | 1,628 |
| Net operating income to assets | 1.1857% | 1,643 |
| Return on assets (ROA) | 1.1857% | 1,677 |
| Pretax return on assets | 1.6234% | 1,268 |
| Return on Equity (ROE) | 7.0548% | 3,529 |
| Retained earnings to average equity (ytd only) | 5.3733% | 2,479 |
| Net charge-offs to loans | -0.1143% | 5,450 |
| Credit loss provision to net charge-offs | -173.9130% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1472% | 4,447 |
| Assets per employee ($millions) | 4.5394% | 3,043 |
| Cash dividends to net income (ytd only)* | 23.8351% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 580 |
| Loan loss allowance to noncurrent loans | 203.1327% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 2,007 |
| Noncurrent loans to loans | 0.9946% | 1,974 |
| Net loans and leases to total assets | 62.6743% | 3,553 |
| Net loans and leases to deposits | 79.3791% | 2,982 |
| Net loans and leases to core deposits | 83.1519% | 3,159 |
| Total domestic deposits to total assets | 78.9556% | 4,628 |
| Equity capital to assets | 16.9370% | 412 |
| Core capital (leverage) ratio | 17.5806% | 323 |
| Tier 1 risk-based capital ratio | 24.9674% | 749 |
| Total risk-based capital ratio | 26.2246% | 733 |
| Memoranda: | ||
| Average total assets | $188,250,670 | 3,078 |
| Average earning assets | $174,409,670 | 3,058 |
| Average equity | $31,638,000 | 2,256 |
| Average total loans | $120,731,000 | 3,080 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 1,953 |
| Cost of funding earning assets | 0.4397% | 2,615 |
| Net interest margin | 3.8584% | 1,926 |
| Noninterest income to average assets | 0.5881% | 2,468 |
| Noninterest expense to average assets | 2.4828% | 3,866 |
| Loan and lease loss provision to assets | 0.1283% | 1,502 |
| Net operating income to assets | 1.1462% | 1,686 |
| Return on assets (ROA) | 1.1462% | 1,721 |
| Pretax return on assets | 1.5611% | 1,335 |
| Return on Equity (ROE) | 6.8473% | 3,470 |
| Retained earnings to average equity (ytd only) | 5.1483% | 2,808 |
| Net charge-offs to loans | -0.0033% | 4,081 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5079% | 4,527 |
| Assets per employee ($millions) | 4.9407% | 2,523 |
| Cash dividends to net income (ytd only)* | 24.8134% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 724 |
| Loan loss allowance to noncurrent loans | 192.5804% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 2,080 |
| Noncurrent loans to loans | 1.0159% | 2,023 |
| Net loans and leases to total assets | 60.7543% | 3,702 |
| Net loans and leases to deposits | 76.4142% | 3,145 |
| Net loans and leases to core deposits | 80.2623% | 3,271 |
| Total domestic deposits to total assets | 79.5066% | 4,710 |
| Equity capital to assets | 16.4029% | 441 |
| Core capital (leverage) ratio | 17.8371% | 296 |
| Tier 1 risk-based capital ratio | 24.9964% | 772 |
| Total risk-based capital ratio | 26.2522% | 754 |
| Memoranda: | ||
| Average total assets | $187,049,000 | 3,117 |
| Average earning assets | $173,749,500 | 3,090 |
| Average equity | $31,311,500 | 2,272 |
| Average total loans | $120,119,000 | 3,106 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 1,393 |
| Cost of funding earning assets | 0.4515% | 2,529 |
| Net interest margin | 4.1040% | 1,370 |
| Noninterest income to average assets | 0.5456% | 2,944 |
| Noninterest expense to average assets | 2.5343% | 3,902 |
| Loan and lease loss provision to assets | 0.1328% | 1,877 |
| Net operating income to assets | 1.2436% | 1,372 |
| Return on assets (ROA) | 1.2478% | 1,444 |
| Pretax return on assets | 1.6661% | 1,094 |
| Return on Equity (ROE) | 7.1912% | 3,378 |
| Retained earnings to average equity (ytd only) | 1.6360% | 4,600 |
| Net charge-offs to loans | 0.1834% | 1,512 |
| Credit loss provision to net charge-offs | 110.5991% | 2,367 |
| Earnings coverage of net charge-offs (x) | 14.9355% | 2,250 |
| Efficiency ratio | 58.5603% | 4,783 |
| Assets per employee ($millions) | 4.6516% | 2,874 |
| Cash dividends to net income (ytd only)* | 77.2506% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 835 |
| Loan loss allowance to noncurrent loans | 191.1765% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 2,172 |
| Noncurrent loans to loans | 0.9848% | 2,125 |
| Net loans and leases to total assets | 65.3551% | 3,167 |
| Net loans and leases to deposits | 83.0877% | 2,535 |
| Net loans and leases to core deposits | 88.5392% | 2,626 |
| Total domestic deposits to total assets | 78.6580% | 4,874 |
| Equity capital to assets | 17.0975% | 377 |
| Core capital (leverage) ratio | 18.0264% | 282 |
| Tier 1 risk-based capital ratio | 24.7466% | 793 |
| Total risk-based capital ratio | 26.0019% | 780 |
| Memoranda: | ||
| Average total assets | $180,721,000 | 3,156 |
| Average earning assets | $166,544,400 | 3,154 |
| Average equity | $31,357,800 | 2,262 |
| Average total loans | $118,352,600 | 3,094 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,344 |
| Cost of funding earning assets | 0.4524% | 2,534 |
| Net interest margin | 4.1245% | 1,327 |
| Noninterest income to average assets | 0.5169% | 3,138 |
| Noninterest expense to average assets | 2.5492% | 3,831 |
| Loan and lease loss provision to assets | 0.1329% | 1,763 |
| Net operating income to assets | 1.2047% | 1,628 |
| Return on assets (ROA) | 1.2096% | 1,708 |
| Pretax return on assets | 1.6387% | 1,276 |
| Return on Equity (ROE) | 6.9457% | 3,585 |
| Retained earnings to average equity (ytd only) | 3.2439% | 3,965 |
| Net charge-offs to loans | 0.1495% | 1,500 |
| Credit loss provision to net charge-offs | 136.3636% | 1,905 |
| Earnings coverage of net charge-offs (x) | 18.1056% | 2,012 |
| Efficiency ratio | 59.0894% | 4,679 |
| Assets per employee ($millions) | 4.7913% | 2,622 |
| Cash dividends to net income (ytd only)* | 53.2965% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 813 |
| Loan loss allowance to noncurrent loans | 132.7945% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 1,620 |
| Noncurrent loans to loans | 1.4535% | 1,489 |
| Net loans and leases to total assets | 64.1837% | 3,373 |
| Net loans and leases to deposits | 82.1821% | 2,704 |
| Net loans and leases to core deposits | 88.0432% | 2,756 |
| Total domestic deposits to total assets | 78.0994% | 4,894 |
| Equity capital to assets | 17.6357% | 378 |
| Core capital (leverage) ratio | 18.1242% | 295 |
| Tier 1 risk-based capital ratio | 25.2408% | 786 |
| Total risk-based capital ratio | 26.4964% | 769 |
| Memoranda: | ||
| Average total assets | $180,548,250 | 3,171 |
| Average earning assets | $166,222,250 | 3,177 |
| Average equity | $31,443,000 | 2,273 |
| Average total loans | $117,731,500 | 3,105 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,319 |
| Cost of funding earning assets | 0.4523% | 2,546 |
| Net interest margin | 4.1224% | 1,316 |
| Noninterest income to average assets | 0.4555% | 3,486 |
| Noninterest expense to average assets | 2.5527% | 3,884 |
| Loan and lease loss provision to assets | 0.1333% | 1,716 |
| Net operating income to assets | 1.1623% | 1,727 |
| Return on assets (ROA) | 1.1697% | 1,800 |
| Pretax return on assets | 1.5763% | 1,432 |
| Return on Equity (ROE) | 6.7455% | 3,670 |
| Retained earnings to average equity (ytd only) | 1.9987% | 4,564 |
| Net charge-offs to loans | 0.1740% | 1,300 |
| Credit loss provision to net charge-offs | 117.6471% | 1,890 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,020 |
| Efficiency ratio | 60.0313% | 4,637 |
| Assets per employee ($millions) | 4.8731% | 2,447 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 915 |
| Loan loss allowance to noncurrent loans | 148.8525% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1264% | 1,871 |
| Noncurrent loans to loans | 1.2681% | 1,797 |
| Net loans and leases to total assets | 65.4415% | 3,164 |
| Net loans and leases to deposits | 83.4091% | 2,542 |
| Net loans and leases to core deposits | 89.0547% | 2,635 |
| Total domestic deposits to total assets | 78.4585% | 4,901 |
| Equity capital to assets | 17.5238% | 376 |
| Core capital (leverage) ratio | 17.8008% | 308 |
| Tier 1 risk-based capital ratio | 24.8258% | 826 |
| Total risk-based capital ratio | 26.0816% | 814 |
| Memoranda: | ||
| Average total assets | $180,041,670 | 3,194 |
| Average earning assets | $165,825,330 | 3,199 |
| Average equity | $31,221,000 | 2,294 |
| Average total loans | $117,256,000 | 3,125 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 1,428 |
| Cost of funding earning assets | 0.4552% | 2,527 |
| Net interest margin | 4.0749% | 1,414 |
| Noninterest income to average assets | 0.4758% | 3,305 |
| Noninterest expense to average assets | 2.6346% | 3,637 |
| Loan and lease loss provision to assets | 0.1334% | 1,581 |
| Net operating income to assets | 1.0983% | 1,908 |
| Return on assets (ROA) | 1.1117% | 1,961 |
| Pretax return on assets | 1.4874% | 1,632 |
| Return on Equity (ROE) | 6.4446% | 3,756 |
| Retained earnings to average equity (ytd only) | -1.4049% | 5,327 |
| Net charge-offs to loans | 0.3214% | 684 |
| Credit loss provision to net charge-offs | 64.5161% | 1,946 |
| Earnings coverage of net charge-offs (x) | 7.7527% | 2,120 |
| Efficiency ratio | 62.1721% | 4,422 |
| Assets per employee ($millions) | 4.8296% | 2,535 |
| Cash dividends to net income (ytd only)* | 121.8000% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 962 |
| Loan loss allowance to noncurrent loans | 222.3447% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 2,522 |
| Noncurrent loans to loans | 0.8574% | 2,705 |
| Net loans and leases to total assets | 62.2152% | 3,495 |
| Net loans and leases to deposits | 78.7645% | 2,919 |
| Net loans and leases to core deposits | 83.7565% | 2,960 |
| Total domestic deposits to total assets | 78.9888% | 4,968 |
| Equity capital to assets | 16.9006% | 429 |
| Core capital (leverage) ratio | 18.0143% | 293 |
| Tier 1 risk-based capital ratio | 25.0705% | 803 |
| Total risk-based capital ratio | 26.3262% | 786 |
| Memoranda: | ||
| Average total assets | $179,911,000 | 3,202 |
| Average earning assets | $166,090,500 | 3,196 |
| Average equity | $31,033,500 | 2,300 |
| Average total loans | $115,752,500 | 3,148 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 1,675 |
| Cost of funding earning assets | 0.4683% | 2,452 |
| Net interest margin | 4.0079% | 1,693 |
| Noninterest income to average assets | 0.4876% | 3,412 |
| Noninterest expense to average assets | 2.5194% | 4,165 |
| Loan and lease loss provision to assets | 0.1494% | 1,573 |
| Net operating income to assets | 1.1584% | 1,704 |
| Return on assets (ROA) | 1.1634% | 1,764 |
| Pretax return on assets | 1.5392% | 1,437 |
| Return on Equity (ROE) | 6.7880% | 3,624 |
| Retained earnings to average equity (ytd only) | 2.7061% | 4,140 |
| Net charge-offs to loans | 0.1338% | 2,026 |
| Credit loss provision to net charge-offs | 178.8079% | 1,518 |
| Earnings coverage of net charge-offs (x) | 20.1258% | 1,897 |
| Efficiency ratio | 59.9657% | 4,912 |
| Assets per employee ($millions) | 4.5204% | 3,009 |
| Cash dividends to net income (ytd only)* | 60.1332% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 869 |
| Loan loss allowance to noncurrent loans | 167.0623% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0108% | 2,172 |
| Noncurrent loans to loans | 1.1711% | 2,019 |
| Net loans and leases to total assets | 64.0134% | 3,278 |
| Net loans and leases to deposits | 81.8796% | 2,599 |
| Net loans and leases to core deposits | 88.0893% | 2,594 |
| Total domestic deposits to total assets | 78.1799% | 5,130 |
| Equity capital to assets | 17.6124% | 344 |
| Core capital (leverage) ratio | 18.1618% | 282 |
| Tier 1 risk-based capital ratio | 25.2905% | 793 |
| Total risk-based capital ratio | 26.5468% | 780 |
| Memoranda: | ||
| Average total assets | $180,677,200 | 3,159 |
| Average earning assets | $167,420,200 | 3,157 |
| Average equity | $30,966,600 | 2,253 |
| Average total loans | $112,877,600 | 3,154 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 1,771 |
| Cost of funding earning assets | 0.4675% | 2,516 |
| Net interest margin | 3.9773% | 1,776 |
| Noninterest income to average assets | 0.4790% | 3,508 |
| Noninterest expense to average assets | 2.4484% | 4,358 |
| Loan and lease loss provision to assets | 0.1540% | 1,411 |
| Net operating income to assets | 1.1596% | 1,801 |
| Return on assets (ROA) | 1.1655% | 1,844 |
| Pretax return on assets | 1.5726% | 1,464 |
| Return on Equity (ROE) | 6.8462% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,831 |
| Net charge-offs to loans | 0.0202% | 3,539 |
| Credit loss provision to net charge-offs | 1,235.2941% | 306 |
| Earnings coverage of net charge-offs (x) | 137.7997% | 496 |
| Efficiency ratio | 58.7573% | 5,038 |
| Assets per employee ($millions) | 4.0910% | 3,719 |
| Cash dividends to net income (ytd only)* | 25.2359% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 844 |
| Loan loss allowance to noncurrent loans | 111.1323% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 1,569 |
| Noncurrent loans to loans | 1.8464% | 1,269 |
| Net loans and leases to total assets | 63.1144% | 3,433 |
| Net loans and leases to deposits | 80.8369% | 2,786 |
| Net loans and leases to core deposits | 87.0077% | 2,748 |
| Total domestic deposits to total assets | 78.0762% | 5,169 |
| Equity capital to assets | 17.9264% | 343 |
| Core capital (leverage) ratio | 18.1042% | 294 |
| Tier 1 risk-based capital ratio | 25.9253% | 773 |
| Total risk-based capital ratio | 27.1826% | 757 |
| Memoranda: | ||
| Average total assets | $181,772,500 | 3,168 |
| Average earning assets | $168,552,250 | 3,170 |
| Average equity | $30,945,750 | 2,270 |
| Average total loans | $112,320,750 | 3,195 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,972 |
| Cost of funding earning assets | 0.4635% | 2,576 |
| Net interest margin | 3.8969% | 1,989 |
| Noninterest income to average assets | 0.4343% | 3,819 |
| Noninterest expense to average assets | 2.3415% | 4,738 |
| Loan and lease loss provision to assets | 0.1633% | 1,292 |
| Net operating income to assets | 1.1455% | 1,794 |
| Return on assets (ROA) | 1.1495% | 1,849 |
| Pretax return on assets | 1.5501% | 1,485 |
| Return on Equity (ROE) | 6.8684% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.1318% | 2,777 |
| Net charge-offs to loans | -0.0143% | 5,043 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8226% | 5,238 |
| Assets per employee ($millions) | 4.8198% | 2,514 |
| Cash dividends to net income (ytd only)* | 25.2841% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0282% | 945 |
| Loan loss allowance to noncurrent loans | 111.9199% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 1,877 |
| Noncurrent loans to loans | 1.8121% | 1,412 |
| Net loans and leases to total assets | 60.4250% | 3,767 |
| Net loans and leases to deposits | 76.2935% | 3,233 |
| Net loans and leases to core deposits | 82.6147% | 3,116 |
| Total domestic deposits to total assets | 79.2008% | 5,049 |
| Equity capital to assets | 16.9292% | 427 |
| Core capital (leverage) ratio | 17.6353% | 320 |
| Tier 1 risk-based capital ratio | 25.7227% | 799 |
| Total risk-based capital ratio | 26.9796% | 784 |
| Memoranda: | ||
| Average total assets | $183,725,330 | 3,179 |
| Average earning assets | $170,443,000 | 3,161 |
| Average equity | $30,749,330 | 2,293 |
| Average total loans | $111,976,670 | 3,208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 2,177 |
| Cost of funding earning assets | 0.4590% | 2,689 |
| Net interest margin | 3.8168% | 2,180 |
| Noninterest income to average assets | 0.3674% | 4,274 |
| Noninterest expense to average assets | 2.2716% | 4,947 |
| Loan and lease loss provision to assets | 0.1956% | 949 |
| Net operating income to assets | 1.0738% | 1,957 |
| Return on assets (ROA) | 1.0738% | 2,074 |
| Pretax return on assets | 1.4434% | 1,741 |
| Return on Equity (ROE) | 6.4531% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.7027% | 3,215 |
| Net charge-offs to loans | -0.0036% | 4,427 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0878% | 5,325 |
| Assets per employee ($millions) | 4.8393% | 2,570 |
| Cash dividends to net income (ytd only)* | 27.1255% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 1,069 |
| Loan loss allowance to noncurrent loans | 102.3470% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 1,945 |
| Noncurrent loans to loans | 1.9579% | 1,352 |
| Net loans and leases to total assets | 57.6283% | 4,004 |
| Net loans and leases to deposits | 73.5611% | 3,365 |
| Net loans and leases to core deposits | 80.5175% | 3,102 |
| Total domestic deposits to total assets | 78.3407% | 5,381 |
| Equity capital to assets | 16.3862% | 497 |
| Core capital (leverage) ratio | 16.5619% | 411 |
| Tier 1 risk-based capital ratio | 24.9923% | 886 |
| Total risk-based capital ratio | 26.2417% | 867 |
| Memoranda: | ||
| Average total assets | $184,012,500 | 3,188 |
| Average earning assets | $170,823,000 | 3,167 |
| Average equity | $30,621,000 | 2,313 |
| Average total loans | $111,485,000 | 3,238 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 1,621 |
| Cost of funding earning assets | 0.5763% | 1,991 |
| Net interest margin | 3.9990% | 1,900 |
| Noninterest income to average assets | 0.8019% | 1,871 |
| Noninterest expense to average assets | 2.3337% | 5,014 |
| Loan and lease loss provision to assets | 0.2531% | 892 |
| Net operating income to assets | 1.5161% | 851 |
| Return on assets (ROA) | 1.5444% | 836 |
| Pretax return on assets | 1.9222% | 606 |
| Return on Equity (ROE) | 9.4182% | 2,380 |
| Retained earnings to average equity (ytd only) | 6.1615% | 1,829 |
| Net charge-offs to loans | 1.0444% | 279 |
| Credit loss provision to net charge-offs | 39.5072% | 3,684 |
| Earnings coverage of net charge-offs (x) | 3.3398% | 3,913 |
| Efficiency ratio | 52.1660% | 5,970 |
| Assets per employee ($millions) | 4.8458% | 2,538 |
| Cash dividends to net income (ytd only)* | 34.5788% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 1,300 |
| Loan loss allowance to noncurrent loans | 91.5094% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4379% | 1,917 |
| Noncurrent loans to loans | 2.0825% | 1,309 |
| Net loans and leases to total assets | 61.2679% | 3,602 |
| Net loans and leases to deposits | 79.0099% | 2,829 |
| Net loans and leases to core deposits | 88.5593% | 2,438 |
| Total domestic deposits to total assets | 77.5446% | 5,515 |
| Equity capital to assets | 16.9086% | 430 |
| Core capital (leverage) ratio | 17.4246% | 331 |
| Tier 1 risk-based capital ratio | 26.3383% | 735 |
| Total risk-based capital ratio | 27.5944% | 717 |
| Memoranda: | ||
| Average total assets | $183,699,200 | 3,168 |
| Average earning assets | $168,666,000 | 3,173 |
| Average equity | $30,122,600 | 2,264 |
| Average total loans | $112,695,000 | 3,164 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 1,702 |
| Cost of funding earning assets | 0.6060% | 1,782 |
| Net interest margin | 3.9446% | 2,055 |
| Noninterest income to average assets | 0.9199% | 1,452 |
| Noninterest expense to average assets | 2.3463% | 4,971 |
| Loan and lease loss provision to assets | 0.2597% | 822 |
| Net operating income to assets | 1.5789% | 790 |
| Return on assets (ROA) | 1.6132% | 762 |
| Pretax return on assets | 1.9675% | 614 |
| Return on Equity (ROE) | 9.9130% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.3189% | 890 |
| Net charge-offs to loans | 1.2379% | 215 |
| Credit loss provision to net charge-offs | 34.3511% | 3,384 |
| Earnings coverage of net charge-offs (x) | 2.8903% | 3,796 |
| Efficiency ratio | 51.7752% | 6,005 |
| Assets per employee ($millions) | 5.0462% | 2,187 |
| Cash dividends to net income (ytd only)* | 5.9928% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 1,424 |
| Loan loss allowance to noncurrent loans | 104.8614% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.0048% | 1,430 |
| Noncurrent loans to loans | 1.8245% | 1,761 |
| Net loans and leases to total assets | 60.8745% | 3,645 |
| Net loans and leases to deposits | 78.1732% | 2,933 |
| Net loans and leases to core deposits | 86.5123% | 2,610 |
| Total domestic deposits to total assets | 77.8712% | 5,558 |
| Equity capital to assets | 17.2720% | 400 |
| Core capital (leverage) ratio | 17.6745% | 315 |
| Tier 1 risk-based capital ratio | 25.9761% | 790 |
| Total risk-based capital ratio | 27.2327% | 767 |
| Memoranda: | ||
| Average total assets | $184,800,750 | 3,190 |
| Average earning assets | $169,206,750 | 3,193 |
| Average equity | $30,074,250 | 2,277 |
| Average total loans | $112,873,000 | 3,183 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 1,673 |
| Cost of funding earning assets | 0.6577% | 1,451 |
| Net interest margin | 3.8895% | 2,214 |
| Noninterest income to average assets | 0.3767% | 4,433 |
| Noninterest expense to average assets | 2.3891% | 4,910 |
| Loan and lease loss provision to assets | 0.2583% | 828 |
| Net operating income to assets | 0.9760% | 2,433 |
| Return on assets (ROA) | 1.0234% | 2,297 |
| Pretax return on assets | 1.3495% | 2,084 |
| Return on Equity (ROE) | 6.4170% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.4170% | 2,082 |
| Net charge-offs to loans | 0.3188% | 1,272 |
| Credit loss provision to net charge-offs | 133.3333% | 1,583 |
| Earnings coverage of net charge-offs (x) | 7.9778% | 2,550 |
| Efficiency ratio | 60.7221% | 5,187 |
| Assets per employee ($millions) | 5.0523% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 619 |
| Loan loss allowance to noncurrent loans | 89.7159% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.3768% | 1,227 |
| Noncurrent loans to loans | 2.8929% | 1,027 |
| Net loans and leases to total assets | 59.9424% | 3,723 |
| Net loans and leases to deposits | 76.3919% | 3,006 |
| Net loans and leases to core deposits | 81.5598% | 3,024 |
| Total domestic deposits to total assets | 78.4669% | 5,558 |
| Equity capital to assets | 16.6937% | 453 |
| Core capital (leverage) ratio | 16.5762% | 404 |
| Tier 1 risk-based capital ratio | 25.2474% | 847 |
| Total risk-based capital ratio | 26.5115% | 827 |
| Memoranda: | ||
| Average total assets | $185,846,330 | 3,198 |
| Average earning assets | $169,996,670 | 3,201 |
| Average equity | $29,640,000 | 2,291 |
| Average total loans | $112,916,000 | 3,190 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 1,786 |
| Cost of funding earning assets | 0.6810% | 1,354 |
| Net interest margin | 3.8282% | 2,354 |
| Noninterest income to average assets | 0.3088% | 4,895 |
| Noninterest expense to average assets | 2.3532% | 5,058 |
| Loan and lease loss provision to assets | 0.2236% | 1,004 |
| Net operating income to assets | 0.9490% | 2,412 |
| Return on assets (ROA) | 0.9817% | 2,336 |
| Pretax return on assets | 1.2820% | 2,163 |
| Return on Equity (ROE) | 6.2981% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.2981% | 2,381 |
| Net charge-offs to loans | 0.0212% | 3,156 |
| Credit loss provision to net charge-offs | 1,750.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 114.5000% | 411 |
| Efficiency ratio | 61.6629% | 5,182 |
| Assets per employee ($millions) | 5.1002% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6056% | 712 |
| Loan loss allowance to noncurrent loans | 69.7300% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.2723% | 1,448 |
| Noncurrent loans to loans | 3.7366% | 752 |
| Net loans and leases to total assets | 58.3150% | 3,794 |
| Net loans and leases to deposits | 71.9305% | 3,344 |
| Net loans and leases to core deposits | 76.4361% | 3,366 |
| Total domestic deposits to total assets | 81.0713% | 5,210 |
| Equity capital to assets | 15.6692% | 577 |
| Core capital (leverage) ratio | 15.8792% | 493 |
| Tier 1 risk-based capital ratio | 23.9327% | 1,007 |
| Total risk-based capital ratio | 25.1961% | 988 |
| Memoranda: | ||
| Average total assets | $187,828,000 | 3,190 |
| Average earning assets | $172,092,000 | 3,194 |
| Average equity | $29,278,500 | 2,308 |
| Average total loans | $113,409,000 | 3,195 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 2,176 |
| Cost of funding earning assets | 0.7584% | 1,451 |
| Net interest margin | 3.7499% | 2,846 |
| Noninterest income to average assets | 0.3249% | 5,010 |
| Noninterest expense to average assets | 2.1784% | 5,683 |
| Loan and lease loss provision to assets | 0.2184% | 1,669 |
| Net operating income to assets | 1.0206% | 2,246 |
| Return on assets (ROA) | 1.0273% | 2,276 |
| Pretax return on assets | 1.3533% | 1,956 |
| Return on Equity (ROE) | 6.8759% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.5958% | 4,407 |
| Net charge-offs to loans | 0.1182% | 3,627 |
| Credit loss provision to net charge-offs | 323.0769% | 717 |
| Earnings coverage of net charge-offs (x) | 23.1231% | 1,424 |
| Efficiency ratio | 58.2268% | 5,709 |
| Assets per employee ($millions) | 5.1930% | 1,968 |
| Cash dividends to net income (ytd only)* | 62.2470% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4994% | 827 |
| Loan loss allowance to noncurrent loans | 70.8769% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.1824% | 1,636 |
| Noncurrent loans to loans | 3.5263% | 881 |
| Net loans and leases to total assets | 59.3662% | 3,815 |
| Net loans and leases to deposits | 73.0932% | 3,387 |
| Net loans and leases to core deposits | 77.8715% | 3,378 |
| Total domestic deposits to total assets | 81.2199% | 5,114 |
| Equity capital to assets | 15.5059% | 593 |
| Core capital (leverage) ratio | 15.2918% | 568 |
| Tier 1 risk-based capital ratio | 23.4260% | 1,030 |
| Total risk-based capital ratio | 24.6886% | 1,005 |
| Memoranda: | ||
| Average total assets | $192,346,400 | 3,122 |
| Average earning assets | $175,229,600 | 3,145 |
| Average equity | $28,738,200 | 2,323 |
| Average total loans | $109,997,200 | 3,246 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 2,284 |
| Cost of funding earning assets | 0.7623% | 1,528 |
| Net interest margin | 3.7236% | 2,943 |
| Noninterest income to average assets | 0.3862% | 4,633 |
| Noninterest expense to average assets | 2.1738% | 5,668 |
| Loan and lease loss provision to assets | 0.2547% | 1,398 |
| Net operating income to assets | 1.0058% | 2,356 |
| Return on assets (ROA) | 1.0146% | 2,408 |
| Pretax return on assets | 1.3485% | 2,132 |
| Return on Equity (ROE) | 6.8535% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.0076% | 3,079 |
| Net charge-offs to loans | 0.1162% | 3,385 |
| Credit loss provision to net charge-offs | 389.4737% | 684 |
| Earnings coverage of net charge-offs (x) | 24.3375% | 1,425 |
| Efficiency ratio | 57.7331% | 5,719 |
| Assets per employee ($millions) | 5.5898% | 1,546 |
| Cash dividends to net income (ytd only)* | 26.9336% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5411% | 896 |
| Loan loss allowance to noncurrent loans | 67.1412% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.2188% | 1,795 |
| Noncurrent loans to loans | 3.7847% | 965 |
| Net loans and leases to total assets | 55.4784% | 4,397 |
| Net loans and leases to deposits | 67.9099% | 4,070 |
| Net loans and leases to core deposits | 73.3084% | 3,936 |
| Total domestic deposits to total assets | 81.6941% | 5,029 |
| Equity capital to assets | 14.6860% | 779 |
| Core capital (leverage) ratio | 15.4562% | 569 |
| Tier 1 risk-based capital ratio | 23.9744% | 1,007 |
| Total risk-based capital ratio | 25.2368% | 991 |
| Memoranda: | ||
| Average total assets | $193,696,000 | 3,128 |
| Average earning assets | $175,776,250 | 3,163 |
| Average equity | $28,675,750 | 2,354 |
| Average total loans | $109,039,250 | 3,288 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 2,350 |
| Cost of funding earning assets | 0.7688% | 1,592 |
| Net interest margin | 3.6902% | 2,992 |
| Noninterest income to average assets | 0.4258% | 4,335 |
| Noninterest expense to average assets | 2.1839% | 5,670 |
| Loan and lease loss provision to assets | 0.2176% | 1,745 |
| Net operating income to assets | 1.0383% | 2,161 |
| Return on assets (ROA) | 1.0453% | 2,256 |
| Pretax return on assets | 1.3955% | 1,951 |
| Return on Equity (ROE) | 7.0419% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.1924% | 2,930 |
| Net charge-offs to loans | 0.1016% | 3,345 |
| Credit loss provision to net charge-offs | 381.8182% | 684 |
| Earnings coverage of net charge-offs (x) | 28.1455% | 1,196 |
| Efficiency ratio | 57.6586% | 5,784 |
| Assets per employee ($millions) | 5.5282% | 1,560 |
| Cash dividends to net income (ytd only)* | 26.2636% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4758% | 1,008 |
| Loan loss allowance to noncurrent loans | 73.6413% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.1356% | 2,020 |
| Noncurrent loans to loans | 3.3619% | 1,283 |
| Net loans and leases to total assets | 55.1725% | 4,424 |
| Net loans and leases to deposits | 67.5960% | 4,066 |
| Net loans and leases to core deposits | 73.0256% | 3,919 |
| Total domestic deposits to total assets | 81.6209% | 5,170 |
| Equity capital to assets | 14.7716% | 766 |
| Core capital (leverage) ratio | 15.3599% | 552 |
| Tier 1 risk-based capital ratio | 24.0536% | 991 |
| Total risk-based capital ratio | 25.3152% | 969 |
| Memoranda: | ||
| Average total assets | $193,047,330 | 3,149 |
| Average earning assets | $175,869,330 | 3,175 |
| Average equity | $28,657,000 | 2,372 |
| Average total loans | $108,262,670 | 3,313 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 2,329 |
| Cost of funding earning assets | 0.7834% | 1,625 |
| Net interest margin | 3.6732% | 2,974 |
| Noninterest income to average assets | 0.3921% | 4,520 |
| Noninterest expense to average assets | 2.2715% | 5,497 |
| Loan and lease loss provision to assets | 0.2178% | 1,703 |
| Net operating income to assets | 0.9505% | 2,440 |
| Return on assets (ROA) | 0.9584% | 2,543 |
| Pretax return on assets | 1.2592% | 2,374 |
| Return on Equity (ROE) | 6.4401% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.5862% | 3,486 |
| Net charge-offs to loans | 0.1040% | 2,828 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,056 |
| Efficiency ratio | 60.7658% | 5,480 |
| Assets per employee ($millions) | 5.9396% | 1,295 |
| Cash dividends to net income (ytd only)* | 28.7879% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4521% | 1,173 |
| Loan loss allowance to noncurrent loans | 74.8152% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 2,211 |
| Noncurrent loans to loans | 3.2775% | 1,482 |
| Net loans and leases to total assets | 53.4198% | 4,496 |
| Net loans and leases to deposits | 65.3510% | 4,142 |
| Net loans and leases to core deposits | 70.7143% | 3,981 |
| Total domestic deposits to total assets | 81.7429% | 5,283 |
| Equity capital to assets | 14.7587% | 812 |
| Core capital (leverage) ratio | 15.2366% | 559 |
| Tier 1 risk-based capital ratio | 23.7569% | 1,049 |
| Total risk-based capital ratio | 25.0176% | 1,030 |
| Memoranda: | ||
| Average total assets | $192,828,000 | 3,184 |
| Average earning assets | $175,653,000 | 3,201 |
| Average equity | $28,695,000 | 2,406 |
| Average total loans | $107,663,500 | 3,342 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,487 |
| Cost of funding earning assets | 0.8893% | 1,994 |
| Net interest margin | 3.8377% | 3,070 |
| Noninterest income to average assets | 0.4759% | 4,059 |
| Noninterest expense to average assets | 2.1612% | 6,002 |
| Loan and lease loss provision to assets | 0.2165% | 2,967 |
| Net operating income to assets | 1.1607% | 1,731 |
| Return on assets (ROA) | 1.1889% | 1,804 |
| Pretax return on assets | 1.6003% | 1,388 |
| Return on Equity (ROE) | 8.1163% | 3,034 |
| Retained earnings to average equity (ytd only) | 2.7101% | 4,329 |
| Net charge-offs to loans | 0.2915% | 3,193 |
| Credit loss provision to net charge-offs | 137.2549% | 2,015 |
| Earnings coverage of net charge-offs (x) | 11.2745% | 2,054 |
| Efficiency ratio | 54.6061% | 6,211 |
| Assets per employee ($millions) | 5.5779% | 1,613 |
| Cash dividends to net income (ytd only)* | 66.6088% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 1,286 |
| Loan loss allowance to noncurrent loans | 97.9678% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.7791% | 2,740 |
| Noncurrent loans to loans | 2.4151% | 2,208 |
| Net loans and leases to total assets | 55.5940% | 4,366 |
| Net loans and leases to deposits | 68.2690% | 3,940 |
| Net loans and leases to core deposits | 74.4138% | 3,729 |
| Total domestic deposits to total assets | 81.4337% | 5,271 |
| Equity capital to assets | 15.0076% | 731 |
| Core capital (leverage) ratio | 14.9889% | 570 |
| Tier 1 risk-based capital ratio | 23.1221% | 1,096 |
| Total risk-based capital ratio | 24.3821% | 1,080 |
| Memoranda: | ||
| Average total assets | $193,962,400 | 3,125 |
| Average earning assets | $175,078,200 | 3,163 |
| Average equity | $28,412,000 | 2,359 |
| Average total loans | $104,967,600 | 3,397 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 2,717 |
| Cost of funding earning assets | 0.8990% | 2,176 |
| Net interest margin | 3.8204% | 3,244 |
| Noninterest income to average assets | 0.4854% | 4,023 |
| Noninterest expense to average assets | 2.1492% | 6,071 |
| Loan and lease loss provision to assets | 0.2153% | 2,912 |
| Net operating income to assets | 1.1623% | 1,862 |
| Return on assets (ROA) | 1.1997% | 1,915 |
| Pretax return on assets | 1.6167% | 1,519 |
| Return on Equity (ROE) | 8.2394% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.1126% | 2,624 |
| Net charge-offs to loans | 0.2815% | 3,038 |
| Credit loss provision to net charge-offs | 143.1818% | 2,006 |
| Earnings coverage of net charge-offs (x) | 11.8453% | 2,051 |
| Efficiency ratio | 54.3478% | 6,216 |
| Assets per employee ($millions) | 6.0852% | 1,197 |
| Cash dividends to net income (ytd only)* | 25.8118% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3765% | 1,395 |
| Loan loss allowance to noncurrent loans | 95.8428% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 3,056 |
| Noncurrent loans to loans | 2.4795% | 2,319 |
| Net loans and leases to total assets | 51.8779% | 5,066 |
| Net loans and leases to deposits | 63.2426% | 4,811 |
| Net loans and leases to core deposits | 69.3515% | 4,577 |
| Total domestic deposits to total assets | 82.0300% | 5,013 |
| Equity capital to assets | 14.5908% | 942 |
| Core capital (leverage) ratio | 15.2962% | 566 |
| Tier 1 risk-based capital ratio | 23.4382% | 1,104 |
| Total risk-based capital ratio | 24.6976% | 1,082 |
| Memoranda: | ||
| Average total assets | $195,040,500 | 3,141 |
| Average earning assets | $175,893,250 | 3,184 |
| Average equity | $28,399,500 | 2,373 |
| Average total loans | $104,212,250 | 3,452 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 2,820 |
| Cost of funding earning assets | 0.9285% | 2,199 |
| Net interest margin | 3.7973% | 3,377 |
| Noninterest income to average assets | 0.4712% | 4,123 |
| Noninterest expense to average assets | 2.1407% | 6,153 |
| Loan and lease loss provision to assets | 0.2175% | 2,898 |
| Net operating income to assets | 1.1649% | 1,832 |
| Return on assets (ROA) | 1.2055% | 1,894 |
| Pretax return on assets | 1.6239% | 1,477 |
| Return on Equity (ROE) | 8.2849% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.2848% | 2,509 |
| Net charge-offs to loans | 0.3985% | 2,430 |
| Credit loss provision to net charge-offs | 101.9417% | 2,670 |
| Earnings coverage of net charge-offs (x) | 8.3738% | 2,307 |
| Efficiency ratio | 54.1403% | 6,303 |
| Assets per employee ($millions) | 5.7498% | 1,408 |
| Cash dividends to net income (ytd only)* | 24.1409% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3362% | 1,524 |
| Loan loss allowance to noncurrent loans | 78.6680% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.8762% | 2,937 |
| Noncurrent loans to loans | 2.9698% | 2,007 |
| Net loans and leases to total assets | 53.8679% | 4,823 |
| Net loans and leases to deposits | 66.3831% | 4,460 |
| Net loans and leases to core deposits | 73.8021% | 4,060 |
| Total domestic deposits to total assets | 81.1470% | 5,419 |
| Equity capital to assets | 15.1500% | 745 |
| Core capital (leverage) ratio | 15.0414% | 592 |
| Tier 1 risk-based capital ratio | 23.3499% | 1,088 |
| Total risk-based capital ratio | 24.6090% | 1,071 |
| Memoranda: | ||
| Average total assets | $193,116,670 | 3,178 |
| Average earning assets | $175,758,000 | 3,194 |
| Average equity | $28,099,330 | 2,383 |
| Average total loans | $103,378,670 | 3,488 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 3,091 |
| Cost of funding earning assets | 0.9854% | 2,068 |
| Net interest margin | 3.7042% | 3,807 |
| Noninterest income to average assets | 0.4846% | 4,028 |
| Noninterest expense to average assets | 2.1848% | 6,081 |
| Loan and lease loss provision to assets | 0.2156% | 2,786 |
| Net operating income to assets | 1.0862% | 2,151 |
| Return on assets (ROA) | 1.0862% | 2,333 |
| Pretax return on assets | 1.4497% | 2,019 |
| Return on Equity (ROE) | 7.6181% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.6884% | 3,151 |
| Net charge-offs to loans | -0.0039% | 5,770 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3733% | 6,086 |
| Assets per employee ($millions) | 5.8336% | 1,395 |
| Cash dividends to net income (ytd only)* | 25.3308% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4919% | 1,370 |
| Loan loss allowance to noncurrent loans | 74.2133% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.4186% | 2,446 |
| Noncurrent loans to loans | 3.3578% | 1,889 |
| Net loans and leases to total assets | 50.2488% | 5,269 |
| Net loans and leases to deposits | 62.0743% | 4,908 |
| Net loans and leases to core deposits | 68.5650% | 4,618 |
| Total domestic deposits to total assets | 80.9495% | 5,620 |
| Equity capital to assets | 14.1630% | 964 |
| Core capital (leverage) ratio | 14.4518% | 701 |
| Tier 1 risk-based capital ratio | 23.2515% | 1,102 |
| Total risk-based capital ratio | 24.5118% | 1,080 |
| Memoranda: | ||
| Average total assets | $194,804,000 | 3,171 |
| Average earning assets | $176,990,000 | 3,193 |
| Average equity | $27,776,000 | 2,403 |
| Average total loans | $102,740,500 | 3,524 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 3,044 |
| Cost of funding earning assets | 1.0721% | 2,861 |
| Net interest margin | 3.8939% | 3,362 |
| Noninterest income to average assets | 0.4048% | 4,576 |
| Noninterest expense to average assets | 2.0577% | 6,569 |
| Loan and lease loss provision to assets | 0.3693% | 2,776 |
| Net operating income to assets | 1.1594% | 1,640 |
| Return on assets (ROA) | 1.1582% | 1,755 |
| Pretax return on assets | 1.5153% | 1,426 |
| Return on Equity (ROE) | 8.0119% | 2,894 |
| Retained earnings to average equity (ytd only) | 3.5907% | 3,662 |
| Net charge-offs to loans | 0.8065% | 2,141 |
| Credit loss provision to net charge-offs | 82.8367% | 4,332 |
| Earnings coverage of net charge-offs (x) | 4.2312% | 3,210 |
| Efficiency ratio | 51.8119% | 6,715 |
| Assets per employee ($millions) | 5.7960% | 1,376 |
| Cash dividends to net income (ytd only)* | 55.1835% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 1,515 |
| Loan loss allowance to noncurrent loans | 71.1454% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 2.5430% | 2,385 |
| Noncurrent loans to loans | 3.3224% | 1,950 |
| Net loans and leases to total assets | 52.7164% | 5,201 |
| Net loans and leases to deposits | 65.2480% | 4,843 |
| Net loans and leases to core deposits | 73.1509% | 4,357 |
| Total domestic deposits to total assets | 80.7939% | 5,512 |
| Equity capital to assets | 14.3574% | 947 |
| Core capital (leverage) ratio | 14.1991% | 776 |
| Tier 1 risk-based capital ratio | 22.5736% | 1,152 |
| Total risk-based capital ratio | 23.8325% | 1,131 |
| Memoranda: | ||
| Average total assets | $188,218,600 | 3,207 |
| Average earning assets | $171,062,600 | 3,222 |
| Average equity | $27,209,400 | 2,380 |
| Average total loans | $104,031,400 | 3,524 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 3,035 |
| Cost of funding earning assets | 1.0623% | 3,233 |
| Net interest margin | 3.9475% | 3,165 |
| Noninterest income to average assets | 0.3777% | 4,846 |
| Noninterest expense to average assets | 2.1921% | 6,293 |
| Loan and lease loss provision to assets | 0.2240% | 3,770 |
| Net operating income to assets | 1.1716% | 1,742 |
| Return on assets (ROA) | 1.1700% | 1,861 |
| Pretax return on assets | 1.5513% | 1,512 |
| Return on Equity (ROE) | 8.0794% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.1099% | 2,490 |
| Net charge-offs to loans | 1.0541% | 1,511 |
| Credit loss provision to net charge-offs | 38.2282% | 5,283 |
| Earnings coverage of net charge-offs (x) | 3.0328% | 3,619 |
| Efficiency ratio | 54.8647% | 6,401 |
| Assets per employee ($millions) | 5.6078% | 1,497 |
| Cash dividends to net income (ytd only)* | 24.3767% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 2,298 |
| Loan loss allowance to noncurrent loans | 56.0929% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.5511% | 2,520 |
| Noncurrent loans to loans | 3.5898% | 1,915 |
| Net loans and leases to total assets | 54.5896% | 5,071 |
| Net loans and leases to deposits | 68.6451% | 4,494 |
| Net loans and leases to core deposits | 78.0697% | 3,900 |
| Total domestic deposits to total assets | 79.5244% | 5,860 |
| Equity capital to assets | 15.2033% | 795 |
| Core capital (leverage) ratio | 14.9732% | 668 |
| Tier 1 risk-based capital ratio | 23.1539% | 1,129 |
| Total risk-based capital ratio | 24.4092% | 1,110 |
| Memoranda: | ||
| Average total assets | $187,456,500 | 3,240 |
| Average earning assets | $170,566,750 | 3,242 |
| Average equity | $27,146,500 | 2,385 |
| Average total loans | $104,221,750 | 3,540 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 3,317 |
| Cost of funding earning assets | 1.0704% | 3,468 |
| Net interest margin | 3.8995% | 3,306 |
| Noninterest income to average assets | 0.3570% | 5,034 |
| Noninterest expense to average assets | 2.1843% | 6,421 |
| Loan and lease loss provision to assets | 0.2231% | 3,688 |
| Net operating income to assets | 1.1349% | 1,773 |
| Return on assets (ROA) | 1.1325% | 1,857 |
| Pretax return on assets | 1.4916% | 1,559 |
| Return on Equity (ROE) | 7.9502% | 2,964 |
| Retained earnings to average equity (ytd only) | 5.9514% | 2,465 |
| Net charge-offs to loans | 1.3251% | 1,154 |
| Credit loss provision to net charge-offs | 30.3030% | 4,985 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,658 |
| Efficiency ratio | 55.6221% | 6,452 |
| Assets per employee ($millions) | 5.4036% | 1,653 |
| Cash dividends to net income (ytd only)* | 25.1407% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 2,289 |
| Loan loss allowance to noncurrent loans | 66.0383% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.3171% | 2,844 |
| Noncurrent loans to loans | 3.0725% | 2,349 |
| Net loans and leases to total assets | 55.2421% | 5,113 |
| Net loans and leases to deposits | 69.2171% | 4,536 |
| Net loans and leases to core deposits | 78.9037% | 3,946 |
| Total domestic deposits to total assets | 79.8099% | 5,880 |
| Equity capital to assets | 15.0106% | 820 |
| Core capital (leverage) ratio | 14.9934% | 663 |
| Tier 1 risk-based capital ratio | 22.7263% | 1,161 |
| Total risk-based capital ratio | 23.9821% | 1,143 |
| Memoranda: | ||
| Average total assets | $188,255,670 | 3,249 |
| Average earning assets | $171,150,330 | 3,259 |
| Average equity | $26,817,000 | 2,400 |
| Average total loans | $104,596,000 | 3,569 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 3,715 |
| Cost of funding earning assets | 1.0981% | 3,537 |
| Net interest margin | 3.7741% | 3,739 |
| Noninterest income to average assets | 0.3254% | 5,316 |
| Noninterest expense to average assets | 2.1037% | 6,626 |
| Loan and lease loss provision to assets | 0.2204% | 3,454 |
| Net operating income to assets | 1.0959% | 1,855 |
| Return on assets (ROA) | 1.0959% | 1,899 |
| Pretax return on assets | 1.4361% | 1,633 |
| Return on Equity (ROE) | 7.8982% | 2,958 |
| Retained earnings to average equity (ytd only) | 5.8707% | 2,713 |
| Net charge-offs to loans | 0.2093% | 3,257 |
| Credit loss provision to net charge-offs | 190.9091% | 1,549 |
| Earnings coverage of net charge-offs (x) | 14.3455% | 1,377 |
| Efficiency ratio | 55.5556% | 6,551 |
| Assets per employee ($millions) | 5.4101% | 1,651 |
| Cash dividends to net income (ytd only)* | 25.6705% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4991% | 1,457 |
| Loan loss allowance to noncurrent loans | 46.4973% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 3.3546% | 2,032 |
| Noncurrent loans to loans | 5.3748% | 1,222 |
| Net loans and leases to total assets | 54.2909% | 5,263 |
| Net loans and leases to deposits | 67.9485% | 4,686 |
| Net loans and leases to core deposits | 77.0872% | 4,152 |
| Total domestic deposits to total assets | 79.9001% | 5,971 |
| Equity capital to assets | 14.1624% | 960 |
| Core capital (leverage) ratio | 14.3662% | 766 |
| Tier 1 risk-based capital ratio | 21.9733% | 1,232 |
| Total risk-based capital ratio | 23.2335% | 1,204 |
| Memoranda: | ||
| Average total assets | $190,521,500 | 3,242 |
| Average earning assets | $173,391,000 | 3,245 |
| Average equity | $26,436,500 | 2,420 |
| Average total loans | $105,096,500 | 3,597 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 3,256 |
| Cost of funding earning assets | 1.3602% | 3,513 |
| Net interest margin | 3.9120% | 3,429 |
| Noninterest income to average assets | 0.4030% | 4,890 |
| Noninterest expense to average assets | 2.1718% | 6,692 |
| Loan and lease loss provision to assets | 0.2871% | 4,505 |
| Net operating income to assets | 1.1478% | 1,546 |
| Return on assets (ROA) | 1.1592% | 1,599 |
| Pretax return on assets | 1.5146% | 1,336 |
| Return on Equity (ROE) | 8.1136% | 2,659 |
| Retained earnings to average equity (ytd only) | 3.5669% | 3,362 |
| Net charge-offs to loans | 0.2964% | 4,537 |
| Credit loss provision to net charge-offs | 170.4545% | 1,988 |
| Earnings coverage of net charge-offs (x) | 10.6104% | 1,688 |
| Efficiency ratio | 54.4890% | 6,759 |
| Assets per employee ($millions) | 5.4768% | 1,605 |
| Cash dividends to net income (ytd only)* | 56.0377% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4676% | 1,446 |
| Loan loss allowance to noncurrent loans | 55.3415% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.8614% | 2,447 |
| Noncurrent loans to loans | 4.4589% | 1,593 |
| Net loans and leases to total assets | 53.3004% | 5,736 |
| Net loans and leases to deposits | 66.2111% | 5,372 |
| Net loans and leases to core deposits | 73.6108% | 5,028 |
| Total domestic deposits to total assets | 80.5007% | 5,686 |
| Equity capital to assets | 13.5929% | 1,156 |
| Core capital (leverage) ratio | 13.8728% | 869 |
| Tier 1 risk-based capital ratio | 21.6619% | 1,224 |
| Total risk-based capital ratio | 22.9216% | 1,199 |
| Memoranda: | ||
| Average total assets | $182,885,800 | 3,329 |
| Average earning assets | $166,230,000 | 3,345 |
| Average equity | $26,129,000 | 2,448 |
| Average total loans | $103,909,800 | 3,681 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3850% | 2,945 |
| Cost of funding earning assets | 1.4014% | 3,575 |
| Net interest margin | 3.9836% | 3,176 |
| Noninterest income to average assets | 0.3918% | 5,027 |
| Noninterest expense to average assets | 2.1887% | 6,636 |
| Loan and lease loss provision to assets | 0.2177% | 4,895 |
| Net operating income to assets | 1.2046% | 1,581 |
| Return on assets (ROA) | 1.2190% | 1,614 |
| Pretax return on assets | 1.6271% | 1,277 |
| Return on Equity (ROE) | 8.4239% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.3791% | 2,153 |
| Net charge-offs to loans | 0.0579% | 5,939 |
| Credit loss provision to net charge-offs | 655.5556% | 449 |
| Earnings coverage of net charge-offs (x) | 54.9763% | 530 |
| Efficiency ratio | 54.1544% | 6,776 |
| Assets per employee ($millions) | 5.6531% | 1,499 |
| Cash dividends to net income (ytd only)* | 24.2735% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 1,314 |
| Loan loss allowance to noncurrent loans | 64.8020% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.4661% | 2,902 |
| Noncurrent loans to loans | 3.8716% | 1,964 |
| Net loans and leases to total assets | 52.9286% | 5,990 |
| Net loans and leases to deposits | 66.3995% | 5,624 |
| Net loans and leases to core deposits | 72.9863% | 5,412 |
| Total domestic deposits to total assets | 79.7124% | 5,802 |
| Equity capital to assets | 14.0271% | 1,159 |
| Core capital (leverage) ratio | 14.2913% | 863 |
| Tier 1 risk-based capital ratio | 22.1328% | 1,188 |
| Total risk-based capital ratio | 23.3939% | 1,155 |
| Memoranda: | ||
| Average total assets | $180,685,000 | 3,412 |
| Average earning assets | $164,303,750 | 3,420 |
| Average equity | $26,147,250 | 2,486 |
| Average total loans | $103,698,250 | 3,743 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 2,747 |
| Cost of funding earning assets | 1.4569% | 3,520 |
| Net interest margin | 3.9941% | 3,047 |
| Noninterest income to average assets | 0.3540% | 5,318 |
| Noninterest expense to average assets | 2.2449% | 6,529 |
| Loan and lease loss provision to assets | 0.2149% | 4,742 |
| Net operating income to assets | 1.1437% | 1,714 |
| Return on assets (ROA) | 1.1649% | 1,717 |
| Pretax return on assets | 1.5437% | 1,450 |
| Return on Equity (ROE) | 7.9610% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.8896% | 2,400 |
| Net charge-offs to loans | 0.0889% | 5,246 |
| Credit loss provision to net charge-offs | 413.0435% | 882 |
| Earnings coverage of net charge-offs (x) | 33.2609% | 846 |
| Efficiency ratio | 56.0740% | 6,627 |
| Assets per employee ($millions) | 5.4598% | 1,666 |
| Cash dividends to net income (ytd only)* | 26.0194% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3666% | 1,480 |
| Loan loss allowance to noncurrent loans | 65.1283% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.4904% | 2,890 |
| Noncurrent loans to loans | 3.6337% | 2,173 |
| Net loans and leases to total assets | 57.5192% | 5,485 |
| Net loans and leases to deposits | 72.8847% | 4,853 |
| Net loans and leases to core deposits | 80.3327% | 4,653 |
| Total domestic deposits to total assets | 78.9180% | 6,061 |
| Equity capital to assets | 14.4905% | 1,014 |
| Core capital (leverage) ratio | 14.8406% | 756 |
| Tier 1 risk-based capital ratio | 21.7520% | 1,241 |
| Total risk-based capital ratio | 23.0116% | 1,211 |
| Memoranda: | ||
| Average total assets | $176,844,670 | 3,491 |
| Average earning assets | $160,335,670 | 3,511 |
| Average equity | $25,876,000 | 2,499 |
| Average total loans | $103,481,000 | 3,785 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 2,324 |
| Cost of funding earning assets | 1.4957% | 3,590 |
| Net interest margin | 4.0645% | 2,589 |
| Noninterest income to average assets | 0.3288% | 5,513 |
| Noninterest expense to average assets | 2.1966% | 6,695 |
| Loan and lease loss provision to assets | 0.2055% | 4,445 |
| Net operating income to assets | 1.1936% | 1,558 |
| Return on assets (ROA) | 1.2399% | 1,503 |
| Pretax return on assets | 1.6554% | 1,151 |
| Return on Equity (ROE) | 8.4317% | 2,689 |
| Retained earnings to average equity (ytd only) | 6.3509% | 2,445 |
| Net charge-offs to loans | 0.1684% | 3,913 |
| Credit loss provision to net charge-offs | 209.3023% | 1,779 |
| Earnings coverage of net charge-offs (x) | 18.3256% | 1,238 |
| Efficiency ratio | 54.5714% | 6,922 |
| Assets per employee ($millions) | 5.2850% | 1,877 |
| Cash dividends to net income (ytd only)* | 24.6777% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3419% | 1,510 |
| Loan loss allowance to noncurrent loans | 182.9545% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 5,200 |
| Noncurrent loans to loans | 1.2800% | 4,838 |
| Net loans and leases to total assets | 56.0440% | 5,737 |
| Net loans and leases to deposits | 70.9972% | 5,202 |
| Net loans and leases to core deposits | 79.7103% | 4,795 |
| Total domestic deposits to total assets | 78.9383% | 6,094 |
| Equity capital to assets | 14.4209% | 1,032 |
| Core capital (leverage) ratio | 14.9821% | 756 |
| Tier 1 risk-based capital ratio | 22.0775% | 1,192 |
| Total risk-based capital ratio | 23.3363% | 1,173 |
| Memoranda: | ||
| Average total assets | $175,180,500 | 3,573 |
| Average earning assets | $158,052,500 | 3,608 |
| Average equity | $25,760,000 | 2,532 |
| Average total loans | $102,148,500 | 3,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8448% | 2,463 |
| Cost of funding earning assets | 1.7163% | 4,423 |
| Net interest margin | 4.1284% | 2,325 |
| Noninterest income to average assets | 0.4985% | 4,426 |
| Noninterest expense to average assets | 2.3186% | 6,696 |
| Loan and lease loss provision to assets | 0.2989% | 5,044 |
| Net operating income to assets | 1.2743% | 1,085 |
| Return on assets (ROA) | 1.2158% | 1,257 |
| Pretax return on assets | 1.5380% | 1,103 |
| Return on Equity (ROE) | 8.2559% | 2,275 |
| Retained earnings to average equity (ytd only) | 3.4988% | 2,721 |
| Net charge-offs to loans | 0.2187% | 5,254 |
| Credit loss provision to net charge-offs | 227.2727% | 1,638 |
| Earnings coverage of net charge-offs (x) | 14.5318% | 1,365 |
| Efficiency ratio | 54.4375% | 7,184 |
| Assets per employee ($millions) | 5.0197% | 2,191 |
| Cash dividends to net income (ytd only)* | 57.6205% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3405% | 1,417 |
| Loan loss allowance to noncurrent loans | 232.6130% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 5,476 |
| Noncurrent loans to loans | 1.0062% | 5,306 |
| Net loans and leases to total assets | 57.8942% | 5,680 |
| Net loans and leases to deposits | 74.2789% | 4,995 |
| Net loans and leases to core deposits | 90.1903% | 5,108 |
| Total domestic deposits to total assets | 77.9416% | 6,231 |
| Equity capital to assets | 15.0038% | 910 |
| Core capital (leverage) ratio | 15.0598% | 768 |
| Tier 1 risk-based capital ratio | 22.1986% | 1,124 |
| Total risk-based capital ratio | 23.4580% | 1,104 |
| Memoranda: | ||
| Average total assets | $167,298,400 | 3,653 |
| Average earning assets | $151,194,800 | 3,688 |
| Average equity | $24,637,000 | 2,649 |
| Average total loans | $100,595,400 | 3,927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 2,497 |
| Cost of funding earning assets | 1.7330% | 4,731 |
| Net interest margin | 4.1565% | 2,191 |
| Noninterest income to average assets | 0.5263% | 4,269 |
| Noninterest expense to average assets | 2.2540% | 6,825 |
| Loan and lease loss provision to assets | 0.1802% | 5,562 |
| Net operating income to assets | 1.3694% | 1,085 |
| Return on assets (ROA) | 1.3801% | 1,128 |
| Pretax return on assets | 1.8623% | 712 |
| Return on Equity (ROE) | 9.4172% | 2,124 |
| Retained earnings to average equity (ytd only) | 7.2255% | 1,424 |
| Net charge-offs to loans | 0.2363% | 4,575 |
| Credit loss provision to net charge-offs | 126.4045% | 3,978 |
| Earnings coverage of net charge-offs (x) | 14.2246% | 1,613 |
| Efficiency ratio | 52.2634% | 7,389 |
| Assets per employee ($millions) | 5.2489% | 1,839 |
| Cash dividends to net income (ytd only)* | 23.2732% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 1,567 |
| Loan loss allowance to noncurrent loans | 135.4695% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 5,042 |
| Noncurrent loans to loans | 1.5629% | 4,294 |
| Net loans and leases to total assets | 56.9850% | 6,033 |
| Net loans and leases to deposits | 73.5306% | 5,441 |
| Net loans and leases to core deposits | 87.6249% | 5,679 |
| Total domestic deposits to total assets | 77.4984% | 6,217 |
| Equity capital to assets | 14.9399% | 1,021 |
| Core capital (leverage) ratio | 15.9630% | 683 |
| Tier 1 risk-based capital ratio | 22.3731% | 1,180 |
| Total risk-based capital ratio | 23.6292% | 1,161 |
| Memoranda: | ||
| Average total assets | $166,455,500 | 3,686 |
| Average earning assets | $150,409,750 | 3,720 |
| Average equity | $24,394,500 | 2,701 |
| Average total loans | $100,450,250 | 3,968 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9138% | 2,524 |
| Cost of funding earning assets | 1.8028% | 4,743 |
| Net interest margin | 4.1110% | 2,283 |
| Noninterest income to average assets | 0.5968% | 3,722 |
| Noninterest expense to average assets | 2.2058% | 7,037 |
| Loan and lease loss provision to assets | 0.1827% | 5,210 |
| Net operating income to assets | 1.4347% | 951 |
| Return on assets (ROA) | 1.4482% | 996 |
| Pretax return on assets | 1.9622% | 614 |
| Return on Equity (ROE) | 9.9498% | 2,035 |
| Retained earnings to average equity (ytd only) | 7.7155% | 1,309 |
| Net charge-offs to loans | 0.3170% | 3,601 |
| Credit loss provision to net charge-offs | 94.3396% | 4,792 |
| Earnings coverage of net charge-offs (x) | 10.9811% | 1,945 |
| Efficiency ratio | 50.5201% | 7,633 |
| Assets per employee ($millions) | 4.8561% | 2,253 |
| Cash dividends to net income (ytd only)* | 22.4558% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 1,409 |
| Loan loss allowance to noncurrent loans | 154.3430% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 4,907 |
| Noncurrent loans to loans | 1.3553% | 4,499 |
| Net loans and leases to total assets | 60.7214% | 5,563 |
| Net loans and leases to deposits | 79.9024% | 4,563 |
| Net loans and leases to core deposits | 99.5886% | 4,548 |
| Total domestic deposits to total assets | 75.9944% | 6,550 |
| Equity capital to assets | 15.1345% | 1,003 |
| Core capital (leverage) ratio | 15.9336% | 753 |
| Tier 1 risk-based capital ratio | 22.3090% | 1,210 |
| Total risk-based capital ratio | 23.5650% | 1,177 |
| Memoranda: | ||
| Average total assets | $164,202,670 | 3,733 |
| Average earning assets | $149,209,670 | 3,762 |
| Average equity | $23,900,000 | 2,764 |
| Average total loans | $100,320,000 | 4,006 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8516% | 3,032 |
| Cost of funding earning assets | 1.8730% | 4,777 |
| Net interest margin | 3.9786% | 2,734 |
| Noninterest income to average assets | 0.5801% | 3,687 |
| Noninterest expense to average assets | 2.0941% | 7,127 |
| Loan and lease loss provision to assets | 0.1805% | 4,641 |
| Net operating income to assets | 1.4199% | 1,100 |
| Return on assets (ROA) | 1.4466% | 1,123 |
| Pretax return on assets | 1.9666% | 704 |
| Return on Equity (ROE) | 10.1334% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.8740% | 1,868 |
| Net charge-offs to loans | 0.5993% | 1,980 |
| Credit loss provision to net charge-offs | 49.6689% | 4,695 |
| Earnings coverage of net charge-offs (x) | 5.8079% | 2,603 |
| Efficiency ratio | 49.4562% | 7,627 |
| Assets per employee ($millions) | 4.9099% | 2,159 |
| Cash dividends to net income (ytd only)* | 22.2962% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 1,403 |
| Loan loss allowance to noncurrent loans | 252.4467% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 5,606 |
| Noncurrent loans to loans | 0.7948% | 5,449 |
| Net loans and leases to total assets | 58.8668% | 5,824 |
| Net loans and leases to deposits | 75.7101% | 5,257 |
| Net loans and leases to core deposits | 95.1031% | 5,051 |
| Total domestic deposits to total assets | 77.7528% | 6,093 |
| Equity capital to assets | 14.2448% | 1,297 |
| Core capital (leverage) ratio | 15.3007% | 901 |
| Tier 1 risk-based capital ratio | 21.6176% | 1,354 |
| Total risk-based capital ratio | 22.8728% | 1,320 |
| Memoranda: | ||
| Average total assets | $166,179,000 | 3,722 |
| Average earning assets | $151,411,500 | 3,721 |
| Average equity | $23,723,500 | 2,800 |
| Average total loans | $100,787,500 | 4,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6416% | 2,283 |
| Cost of funding earning assets | 2.4085% | 4,687 |
| Net interest margin | 4.2331% | 2,185 |
| Noninterest income to average assets | 0.3974% | 5,494 |
| Noninterest expense to average assets | 2.0782% | 7,281 |
| Loan and lease loss provision to assets | 0.5750% | 2,526 |
| Net operating income to assets | 1.3127% | 1,452 |
| Return on assets (ROA) | 1.1001% | 2,063 |
| Pretax return on assets | 1.3690% | 2,061 |
| Return on Equity (ROE) | 7.0062% | 3,525 |
| Retained earnings to average equity (ytd only) | 2.2947% | 3,776 |
| Net charge-offs to loans | 0.6048% | 2,024 |
| Credit loss provision to net charge-offs | 153.5836% | 3,407 |
| Earnings coverage of net charge-offs (x) | 5.9027% | 3,493 |
| Efficiency ratio | 48.0632% | 7,797 |
| Assets per employee ($millions) | 5.1694% | 1,759 |
| Cash dividends to net income (ytd only)* | 67.2474% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 1,129 |
| Loan loss allowance to noncurrent loans | 275.8256% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 4,790 |
| Noncurrent loans to loans | 0.7473% | 5,158 |
| Net loans and leases to total assets | 59.9710% | 5,910 |
| Net loans and leases to deposits | 77.2659% | 5,437 |
| Net loans and leases to core deposits | 97.3075% | 5,118 |
| Total domestic deposits to total assets | 77.6164% | 5,831 |
| Equity capital to assets | 14.3072% | 1,348 |
| Core capital (leverage) ratio | 15.5596% | 917 |
| Tier 1 risk-based capital ratio | 21.4817% | 1,397 |
| Total risk-based capital ratio | 22.7377% | 1,358 |
| Memoranda: | ||
| Average total assets | $156,532,400 | 3,777 |
| Average earning assets | $143,866,600 | 3,762 |
| Average equity | $24,578,200 | 2,683 |
| Average total loans | $96,884,200 | 4,038 |