Home > Bank of Ripley > Performance and Condition Ratios
Bank of Ripley, 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 | 4.0376% | 3,903 |
| Cost of funding earning assets | 0.8143% | 3,697 |
| Net interest margin | 3.2233% | 2,819 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.9369% | 1,209 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5201% | 3,627 |
| Return on assets (ROA) | 0.5124% | 3,638 |
| Pretax return on assets | 0.5911% | 3,650 |
| Return on Equity (ROE) | 5.0900% | 3,708 |
| Retained earnings to average equity (ytd only) | 5.0941% | 2,578 |
| Net charge-offs to loans | 0.2377% | 450 |
| Credit loss provision to net charge-offs | 95.2381% | 1,898 |
| Earnings coverage of net charge-offs (x) | 8.9762% | 2,320 |
| Efficiency ratio | 81.3974% | 817 |
| Assets per employee ($millions) | 4.3266% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 3,576 |
| Loan loss allowance to noncurrent loans | 86.6249% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 1,579 |
| Noncurrent loans to loans | 1.0822% | 677 |
| Net loans and leases to total assets | 31.6400% | 4,258 |
| Net loans and leases to deposits | 36.8836% | 4,260 |
| Net loans and leases to core deposits | 42.1709% | 4,253 |
| Total domestic deposits to total assets | 85.7700% | 2,079 |
| Equity capital to assets | 10.8519% | 1,560 |
| Core capital (leverage) ratio | 14.4243% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $280,836,800 | 2,520 |
| Average earning assets | $259,734,400 | 2,522 |
| Average equity | $28,248,400 | 2,350 |
| Average total loans | $88,337,600 | 3,311 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,866 |
| Cost of funding earning assets | 0.7107% | 3,742 |
| Net interest margin | 3.2786% | 2,737 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.8150% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7063% | 3,312 |
| Return on assets (ROA) | 0.6959% | 3,316 |
| Pretax return on assets | 0.8331% | 3,258 |
| Return on Equity (ROE) | 7.0600% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.0554% | 2,264 |
| Net charge-offs to loans | 0.1193% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 22.6203% | 1,756 |
| Efficiency ratio | 76.9032% | 1,099 |
| Assets per employee ($millions) | 4.2909% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 3,929 |
| Loan loss allowance to noncurrent loans | 61.2228% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 1,290 |
| Noncurrent loans to loans | 1.3489% | 564 |
| Net loans and leases to total assets | 33.2800% | 4,257 |
| Net loans and leases to deposits | 38.9847% | 4,234 |
| Net loans and leases to core deposits | 44.6535% | 4,161 |
| Total domestic deposits to total assets | 85.3600% | 2,396 |
| Equity capital to assets | 9.9513% | 1,858 |
| Core capital (leverage) ratio | 14.4233% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $281,820,500 | 2,515 |
| Average earning assets | $260,595,750 | 2,520 |
| Average equity | $27,798,250 | 2,362 |
| Average total loans | $88,315,000 | 3,312 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 3,834 |
| Cost of funding earning assets | 0.5510% | 3,882 |
| Net interest margin | 3.3692% | 2,597 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.7366% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8286% | 2,989 |
| Return on assets (ROA) | 0.8099% | 3,058 |
| Pretax return on assets | 0.9788% | 2,973 |
| Return on Equity (ROE) | 8.2300% | 3,177 |
| Retained earnings to average equity (ytd only) | 8.2347% | 1,897 |
| Net charge-offs to loans | 0.1654% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 19.7639% | 1,742 |
| Efficiency ratio | 73.2116% | 1,436 |
| Assets per employee ($millions) | 4.3226% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 3,848 |
| Loan loss allowance to noncurrent loans | 63.5179% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 1,200 |
| Noncurrent loans to loans | 1.3785% | 510 |
| Net loans and leases to total assets | 31.9200% | 4,285 |
| Net loans and leases to deposits | 35.9619% | 4,296 |
| Net loans and leases to core deposits | 40.8737% | 4,244 |
| Total domestic deposits to total assets | 88.7600% | 1,326 |
| Equity capital to assets | 10.2751% | 1,701 |
| Core capital (leverage) ratio | 13.9328% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $284,221,333 | 2,505 |
| Average earning assets | $262,795,000 | 2,516 |
| Average equity | $27,955,000 | 2,358 |
| Average total loans | $87,036,333 | 3,333 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 3,914 |
| Cost of funding earning assets | 0.4193% | 3,910 |
| Net interest margin | 3.3467% | 2,762 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.6527% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8614% | 2,987 |
| Return on assets (ROA) | 0.8250% | 3,065 |
| Pretax return on assets | 1.0083% | 2,966 |
| Return on Equity (ROE) | 8.5700% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.5716% | 2,066 |
| Net charge-offs to loans | 0.1349% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 26.1379% | 1,355 |
| Efficiency ratio | 71.5892% | 1,569 |
| Assets per employee ($millions) | 4.5602% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 3,750 |
| Loan loss allowance to noncurrent loans | 74.7953% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 1,349 |
| Noncurrent loans to loans | 1.2563% | 544 |
| Net loans and leases to total assets | 30.1600% | 4,363 |
| Net loans and leases to deposits | 33.8090% | 4,383 |
| Net loans and leases to core deposits | 37.9398% | 4,318 |
| Total domestic deposits to total assets | 89.2200% | 1,461 |
| Equity capital to assets | 9.9302% | 1,858 |
| Core capital (leverage) ratio | 13.6523% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $288,007,500 | 2,525 |
| Average earning assets | $266,175,000 | 2,526 |
| Average equity | $27,719,500 | 2,408 |
| Average total loans | $86,012,500 | 3,386 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 3,344 |
| Cost of funding earning assets | 0.2418% | 3,396 |
| Net interest margin | 3.1589% | 2,993 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.7361% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7616% | 3,450 |
| Return on assets (ROA) | 0.7821% | 3,324 |
| Pretax return on assets | 0.8956% | 3,370 |
| Return on Equity (ROE) | 7.6300% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.6324% | 1,975 |
| Net charge-offs to loans | 0.2651% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.4429% | 2,150 |
| Efficiency ratio | 75.8341% | 1,027 |
| Assets per employee ($millions) | 4.5829% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6103% | 4,329 |
| Loan loss allowance to noncurrent loans | 40.5024% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 1,156 |
| Noncurrent loans to loans | 1.5069% | 431 |
| Net loans and leases to total assets | 29.1000% | 4,408 |
| Net loans and leases to deposits | 32.3847% | 4,427 |
| Net loans and leases to core deposits | 35.4402% | 4,385 |
| Total domestic deposits to total assets | 89.8700% | 1,424 |
| Equity capital to assets | 9.3204% | 2,139 |
| Core capital (leverage) ratio | 13.6043% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $287,418,400 | 2,517 |
| Average earning assets | $267,565,200 | 2,506 |
| Average equity | $29,453,400 | 2,359 |
| Average total loans | $82,621,200 | 3,378 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3105% | 3,151 |
| Cost of funding earning assets | 0.2241% | 2,999 |
| Net interest margin | 3.0864% | 2,969 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.6416% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8018% | 3,258 |
| Return on assets (ROA) | 0.8253% | 3,119 |
| Pretax return on assets | 0.9507% | 3,182 |
| Return on Equity (ROE) | 7.8700% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.8742% | 2,049 |
| Net charge-offs to loans | 0.3035% | 215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 1,973 |
| Efficiency ratio | 74.0914% | 1,266 |
| Assets per employee ($millions) | 4.3895% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 4,354 |
| Loan loss allowance to noncurrent loans | 50.9767% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 1,395 |
| Noncurrent loans to loans | 1.2299% | 593 |
| Net loans and leases to total assets | 31.4100% | 4,390 |
| Net loans and leases to deposits | 35.0593% | 4,393 |
| Net loans and leases to core deposits | 38.3785% | 4,333 |
| Total domestic deposits to total assets | 89.5900% | 1,836 |
| Equity capital to assets | 9.1658% | 2,107 |
| Core capital (leverage) ratio | 13.5781% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $287,092,750 | 2,535 |
| Average earning assets | $267,747,500 | 2,528 |
| Average equity | $30,089,250 | 2,364 |
| Average total loans | $82,140,500 | 3,393 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1867% | 3,083 |
| Cost of funding earning assets | 0.2196% | 2,646 |
| Net interest margin | 2.9671% | 2,981 |
| Noninterest income to average assets | 0.7033% | 1,324 |
| Noninterest expense to average assets | 2.6289% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7394% | 3,181 |
| Return on assets (ROA) | 0.7687% | 3,035 |
| Pretax return on assets | 0.8795% | 3,119 |
| Return on Equity (ROE) | 7.0540% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.0540% | 1,973 |
| Net charge-offs to loans | 0.3334% | 208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.1716% | 1,797 |
| Efficiency ratio | 75.6585% | 1,319 |
| Assets per employee ($millions) | 4.4654% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,303 |
| Loan loss allowance to noncurrent loans | 52.5305% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 1,402 |
| Noncurrent loans to loans | 1.3688% | 561 |
| Net loans and leases to total assets | 29.0864% | 4,489 |
| Net loans and leases to deposits | 32.4410% | 4,486 |
| Net loans and leases to core deposits | 35.5988% | 4,447 |
| Total domestic deposits to total assets | 89.6593% | 1,865 |
| Equity capital to assets | 9.5464% | 1,979 |
| Core capital (leverage) ratio | 12.6754% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,610,667 | 2,531 |
| Average earning assets | $271,442,333 | 2,529 |
| Average equity | $31,670,000 | 2,333 |
| Average total loans | $80,385,667 | 3,452 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0419% | 3,131 |
| Cost of funding earning assets | 0.2113% | 2,653 |
| Net interest margin | 2.8305% | 3,042 |
| Noninterest income to average assets | 0.8122% | 1,015 |
| Noninterest expense to average assets | 2.5745% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7698% | 2,776 |
| Return on assets (ROA) | 0.8327% | 2,542 |
| Pretax return on assets | 0.9610% | 2,573 |
| Return on Equity (ROE) | 7.2053% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.2053% | 1,830 |
| Net charge-offs to loans | 0.5793% | 120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.7105% | 1,592 |
| Efficiency ratio | 74.3398% | 1,704 |
| Assets per employee ($millions) | 4.6738% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 4,265 |
| Loan loss allowance to noncurrent loans | 53.9931% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 1,487 |
| Noncurrent loans to loans | 1.4614% | 571 |
| Net loans and leases to total assets | 26.5606% | 4,542 |
| Net loans and leases to deposits | 29.7041% | 4,557 |
| Net loans and leases to core deposits | 32.3958% | 4,521 |
| Total domestic deposits to total assets | 89.4175% | 1,860 |
| Equity capital to assets | 9.8187% | 2,039 |
| Core capital (leverage) ratio | 12.5961% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,024,500 | 2,532 |
| Average earning assets | $274,436,000 | 2,524 |
| Average equity | $33,864,000 | 2,291 |
| Average total loans | $78,715,500 | 3,476 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 3,200 |
| Cost of funding earning assets | 0.2212% | 3,240 |
| Net interest margin | 3.0842% | 2,958 |
| Noninterest income to average assets | 0.5833% | 2,229 |
| Noninterest expense to average assets | 2.7827% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6500% | 3,749 |
| Return on assets (ROA) | 0.6760% | 3,732 |
| Pretax return on assets | 0.7195% | 3,889 |
| Return on Equity (ROE) | 4.8225% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.7406% | 3,320 |
| Net charge-offs to loans | 0.0704% | 1,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 33.7719% | 1,531 |
| Efficiency ratio | 80.0890% | 800 |
| Assets per employee ($millions) | 4.6286% | 4,015 |
| Cash dividends to net income (ytd only)* | 22.4349% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 3,976 |
| Loan loss allowance to noncurrent loans | 56.2691% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 1,474 |
| Noncurrent loans to loans | 1.6641% | 515 |
| Net loans and leases to total assets | 26.7028% | 4,605 |
| Net loans and leases to deposits | 31.1154% | 4,601 |
| Net loans and leases to core deposits | 33.9509% | 4,558 |
| Total domestic deposits to total assets | 85.8187% | 2,965 |
| Equity capital to assets | 13.3116% | 819 |
| Core capital (leverage) ratio | 12.9105% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,257,000 | 2,556 |
| Average earning assets | $260,845,200 | 2,547 |
| Average equity | $39,004,800 | 2,118 |
| Average total loans | $81,018,200 | 3,465 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 3,206 |
| Cost of funding earning assets | 0.2238% | 3,386 |
| Net interest margin | 3.1410% | 2,933 |
| Noninterest income to average assets | 0.5834% | 2,284 |
| Noninterest expense to average assets | 2.7120% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7499% | 3,653 |
| Return on assets (ROA) | 0.7905% | 3,617 |
| Pretax return on assets | 0.8555% | 3,782 |
| Return on Equity (ROE) | 5.5651% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.1243% | 3,536 |
| Net charge-offs to loans | 0.0523% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 52.2813% | 1,217 |
| Efficiency ratio | 76.9718% | 961 |
| Assets per employee ($millions) | 4.4925% | 4,125 |
| Cash dividends to net income (ytd only)* | 25.8896% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,210 |
| Loan loss allowance to noncurrent loans | 78.5346% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 2,027 |
| Noncurrent loans to loans | 1.1171% | 1,001 |
| Net loans and leases to total assets | 30.8681% | 4,568 |
| Net loans and leases to deposits | 36.2692% | 4,571 |
| Net loans and leases to core deposits | 39.5928% | 4,525 |
| Total domestic deposits to total assets | 85.1083% | 3,076 |
| Equity capital to assets | 13.9350% | 750 |
| Core capital (leverage) ratio | 13.3702% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,920,750 | 2,591 |
| Average earning assets | $257,318,500 | 2,588 |
| Average equity | $39,051,750 | 2,140 |
| Average total loans | $81,622,250 | 3,496 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 3,377 |
| Cost of funding earning assets | 0.2268% | 3,499 |
| Net interest margin | 3.0917% | 3,059 |
| Noninterest income to average assets | 0.6072% | 2,182 |
| Noninterest expense to average assets | 2.7306% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7293% | 3,687 |
| Return on assets (ROA) | 0.7731% | 3,646 |
| Pretax return on assets | 0.8118% | 3,839 |
| Return on Equity (ROE) | 5.4075% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.2506% | 3,763 |
| Net charge-offs to loans | 0.1126% | 683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 23.2889% | 1,468 |
| Efficiency ratio | 78.0982% | 902 |
| Assets per employee ($millions) | 4.4335% | 4,153 |
| Cash dividends to net income (ytd only)* | 39.8866% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,140 |
| Loan loss allowance to noncurrent loans | 68.4982% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 2,025 |
| Noncurrent loans to loans | 1.3230% | 885 |
| Net loans and leases to total assets | 29.2829% | 4,671 |
| Net loans and leases to deposits | 34.5823% | 4,667 |
| Net loans and leases to core deposits | 37.7075% | 4,633 |
| Total domestic deposits to total assets | 84.6760% | 3,228 |
| Equity capital to assets | 14.2177% | 672 |
| Core capital (leverage) ratio | 12.9751% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9568% | 302 |
| Memoranda: | ||
| Average total assets | $273,715,333 | 2,585 |
| Average earning assets | $255,783,000 | 2,588 |
| Average equity | $39,131,000 | 2,132 |
| Average total loans | $79,916,333 | 3,550 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2747% | 3,518 |
| Cost of funding earning assets | 0.2312% | 3,633 |
| Net interest margin | 3.0435% | 3,155 |
| Noninterest income to average assets | 0.4858% | 2,671 |
| Noninterest expense to average assets | 2.6990% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5943% | 3,960 |
| Return on assets (ROA) | 0.6364% | 3,913 |
| Pretax return on assets | 0.6688% | 4,082 |
| Return on Equity (ROE) | 4.4387% | 4,205 |
| Retained earnings to average equity (ytd only) | 0.0927% | 4,357 |
| Net charge-offs to loans | 0.0662% | 879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 32.5385% | 1,064 |
| Efficiency ratio | 81.2084% | 743 |
| Assets per employee ($millions) | 4.2648% | 4,298 |
| Cash dividends to net income (ytd only)* | 97.9118% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,880 |
| Loan loss allowance to noncurrent loans | 27.0645% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 784 |
| Noncurrent loans to loans | 3.6547% | 166 |
| Net loans and leases to total assets | 28.1649% | 4,744 |
| Net loans and leases to deposits | 32.8198% | 4,749 |
| Net loans and leases to core deposits | 35.8507% | 4,726 |
| Total domestic deposits to total assets | 85.8167% | 2,804 |
| Equity capital to assets | 13.4124% | 812 |
| Core capital (leverage) ratio | 13.3762% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7789% | 302 |
| Memoranda: | ||
| Average total assets | $270,916,500 | 2,590 |
| Average earning assets | $252,600,500 | 2,593 |
| Average equity | $38,840,500 | 2,133 |
| Average total loans | $78,605,000 | 3,586 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 3,409 |
| Cost of funding earning assets | 0.3841% | 3,678 |
| Net interest margin | 3.3782% | 2,842 |
| Noninterest income to average assets | 0.6266% | 2,115 |
| Noninterest expense to average assets | 3.1162% | 1,197 |
| Loan and lease loss provision to assets | 0.0711% | 3,492 |
| Net operating income to assets | 0.5268% | 3,968 |
| Return on assets (ROA) | 0.7047% | 3,553 |
| Pretax return on assets | 0.7807% | 3,673 |
| Return on Equity (ROE) | 4.4419% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.3489% | 3,151 |
| Net charge-offs to loans | 0.7009% | 214 |
| Credit loss provision to net charge-offs | 29.3220% | 3,222 |
| Earnings coverage of net charge-offs (x) | 2.6983% | 3,138 |
| Efficiency ratio | 82.6504% | 709 |
| Assets per employee ($millions) | 4.0094% | 4,370 |
| Cash dividends to net income (ytd only)* | 24.6064% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,823 |
| Loan loss allowance to noncurrent loans | 26.0598% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 778 |
| Noncurrent loans to loans | 3.8837% | 148 |
| Net loans and leases to total assets | 29.3101% | 4,768 |
| Net loans and leases to deposits | 35.1340% | 4,761 |
| Net loans and leases to core deposits | 38.8396% | 4,726 |
| Total domestic deposits to total assets | 83.4237% | 3,288 |
| Equity capital to assets | 15.3050% | 520 |
| Core capital (leverage) ratio | 14.1912% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0153% | 264 |
| Memoranda: | ||
| Average total assets | $243,371,200 | 2,631 |
| Average earning assets | $226,483,000 | 2,625 |
| Average equity | $38,610,000 | 2,074 |
| Average total loans | $84,176,400 | 3,497 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 3,428 |
| Cost of funding earning assets | 0.4192% | 3,708 |
| Net interest margin | 3.4249% | 2,834 |
| Noninterest income to average assets | 0.6592% | 1,947 |
| Noninterest expense to average assets | 3.0518% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6925% | 3,484 |
| Return on assets (ROA) | 0.9269% | 2,738 |
| Pretax return on assets | 1.0664% | 2,860 |
| Return on Equity (ROE) | 5.7859% | 3,622 |
| Retained earnings to average equity (ytd only) | 4.3106% | 2,890 |
| Net charge-offs to loans | 0.8673% | 154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.5548% | 2,981 |
| Efficiency ratio | 79.2928% | 916 |
| Assets per employee ($millions) | 3.7321% | 4,532 |
| Cash dividends to net income (ytd only)* | 25.4985% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,497 |
| Loan loss allowance to noncurrent loans | 16.8908% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.5695% | 530 |
| Noncurrent loans to loans | 4.3992% | 140 |
| Net loans and leases to total assets | 35.4122% | 4,704 |
| Net loans and leases to deposits | 42.9137% | 4,685 |
| Net loans and leases to core deposits | 47.6655% | 4,636 |
| Total domestic deposits to total assets | 82.5196% | 3,275 |
| Equity capital to assets | 16.1406% | 456 |
| Core capital (leverage) ratio | 14.5633% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0103% | 306 |
| Memoranda: | ||
| Average total assets | $238,059,250 | 2,646 |
| Average earning assets | $221,706,750 | 2,643 |
| Average equity | $38,137,500 | 2,085 |
| Average total loans | $85,632,250 | 3,491 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,624 |
| Cost of funding earning assets | 0.4619% | 3,734 |
| Net interest margin | 3.4365% | 2,984 |
| Noninterest income to average assets | 0.6936% | 1,760 |
| Noninterest expense to average assets | 3.0054% | 1,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7829% | 3,096 |
| Return on assets (ROA) | 0.9647% | 2,574 |
| Pretax return on assets | 1.0947% | 2,722 |
| Return on Equity (ROE) | 6.0376% | 3,494 |
| Retained earnings to average equity (ytd only) | 3.7928% | 3,013 |
| Net charge-offs to loans | 0.0306% | 2,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 80.3846% | 804 |
| Efficiency ratio | 77.1884% | 1,137 |
| Assets per employee ($millions) | 3.7934% | 4,474 |
| Cash dividends to net income (ytd only)* | 37.1806% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,652 |
| Loan loss allowance to noncurrent loans | 28.5340% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 495 |
| Noncurrent loans to loans | 4.8383% | 120 |
| Net loans and leases to total assets | 34.6782% | 4,762 |
| Net loans and leases to deposits | 41.8649% | 4,748 |
| Net loans and leases to core deposits | 46.1736% | 4,710 |
| Total domestic deposits to total assets | 82.8335% | 3,132 |
| Equity capital to assets | 15.9316% | 479 |
| Core capital (leverage) ratio | 14.5418% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0676% | 303 |
| Memoranda: | ||
| Average total assets | $235,307,000 | 2,636 |
| Average earning assets | $219,118,333 | 2,634 |
| Average equity | $37,597,667 | 2,096 |
| Average total loans | $84,883,333 | 3,503 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,629 |
| Cost of funding earning assets | 0.5184% | 3,855 |
| Net interest margin | 3.5408% | 2,848 |
| Noninterest income to average assets | 0.7733% | 1,388 |
| Noninterest expense to average assets | 3.0304% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9078% | 2,498 |
| Return on assets (ROA) | 1.2174% | 1,572 |
| Pretax return on assets | 1.3898% | 1,592 |
| Return on Equity (ROE) | 7.6071% | 2,679 |
| Retained earnings to average equity (ytd only) | 3.0146% | 3,080 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4863% | 1,749 |
| Assets per employee ($millions) | 3.6067% | 4,379 |
| Cash dividends to net income (ytd only)* | 60.3720% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,626 |
| Loan loss allowance to noncurrent loans | 27.0936% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.9050% | 455 |
| Noncurrent loans to loans | 5.2450% | 110 |
| Net loans and leases to total assets | 35.8043% | 4,785 |
| Net loans and leases to deposits | 43.2026% | 4,781 |
| Net loans and leases to core deposits | 47.8203% | 4,733 |
| Total domestic deposits to total assets | 82.8753% | 3,147 |
| Equity capital to assets | 16.0029% | 582 |
| Core capital (leverage) ratio | 15.0964% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5076% | 317 |
| Memoranda: | ||
| Average total assets | $229,674,000 | 2,635 |
| Average earning assets | $213,738,000 | 2,632 |
| Average equity | $36,755,000 | 2,120 |
| Average total loans | $83,973,000 | 3,517 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 3,574 |
| Cost of funding earning assets | 0.4927% | 4,124 |
| Net interest margin | 3.7930% | 2,519 |
| Noninterest income to average assets | 0.8317% | 1,355 |
| Noninterest expense to average assets | 3.3112% | 1,275 |
| Loan and lease loss provision to assets | 0.2466% | 754 |
| Net operating income to assets | 0.6676% | 3,961 |
| Return on assets (ROA) | 0.7308% | 3,832 |
| Pretax return on assets | 0.8622% | 3,847 |
| Return on Equity (ROE) | 4.7423% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.5145% | 3,249 |
| Net charge-offs to loans | 0.2304% | 885 |
| Credit loss provision to net charge-offs | 287.9581% | 975 |
| Earnings coverage of net charge-offs (x) | 12.0785% | 2,438 |
| Efficiency ratio | 76.1969% | 1,342 |
| Assets per employee ($millions) | 3.5701% | 4,406 |
| Cash dividends to net income (ytd only)* | 25.8896% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,334 |
| Loan loss allowance to noncurrent loans | 29.4189% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8331% | 466 |
| Noncurrent loans to loans | 4.9675% | 106 |
| Net loans and leases to total assets | 36.2755% | 4,832 |
| Net loans and leases to deposits | 43.7442% | 4,832 |
| Net loans and leases to core deposits | 48.7439% | 4,777 |
| Total domestic deposits to total assets | 82.9264% | 3,222 |
| Equity capital to assets | 16.0034% | 602 |
| Core capital (leverage) ratio | 15.5891% | 579 |
| Tier 1 risk-based capital ratio | 28.0747% | 553 |
| Total risk-based capital ratio | 29.0738% | 560 |
| Memoranda: | ||
| Average total assets | $223,030,400 | 2,635 |
| Average earning assets | $206,619,000 | 2,640 |
| Average equity | $34,371,600 | 2,173 |
| Average total loans | $82,887,000 | 3,544 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 3,572 |
| Cost of funding earning assets | 0.4785% | 4,225 |
| Net interest margin | 3.8509% | 2,428 |
| Noninterest income to average assets | 0.8285% | 1,336 |
| Noninterest expense to average assets | 3.1895% | 1,487 |
| Loan and lease loss provision to assets | 0.2097% | 832 |
| Net operating income to assets | 0.8131% | 3,635 |
| Return on assets (ROA) | 0.8657% | 3,544 |
| Pretax return on assets | 1.0610% | 3,408 |
| Return on Equity (ROE) | 5.6722% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.0157% | 3,391 |
| Net charge-offs to loans | 0.2203% | 802 |
| Credit loss provision to net charge-offs | 255.4745% | 1,073 |
| Earnings coverage of net charge-offs (x) | 14.7009% | 2,233 |
| Efficiency ratio | 72.5538% | 1,755 |
| Assets per employee ($millions) | 3.4061% | 4,592 |
| Cash dividends to net income (ytd only)* | 29.2040% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,373 |
| Loan loss allowance to noncurrent loans | 31.2849% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5648% | 680 |
| Noncurrent loans to loans | 3.9148% | 179 |
| Net loans and leases to total assets | 39.3653% | 4,836 |
| Net loans and leases to deposits | 47.9338% | 4,820 |
| Net loans and leases to core deposits | 53.7026% | 4,754 |
| Total domestic deposits to total assets | 82.1243% | 3,442 |
| Equity capital to assets | 16.7573% | 511 |
| Core capital (leverage) ratio | 15.4692% | 651 |
| Tier 1 risk-based capital ratio | 27.5977% | 603 |
| Total risk-based capital ratio | 28.4657% | 611 |
| Memoranda: | ||
| Average total assets | $222,559,250 | 2,659 |
| Average earning assets | $206,178,250 | 2,664 |
| Average equity | $33,966,000 | 2,208 |
| Average total loans | $82,909,000 | 3,579 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 3,635 |
| Cost of funding earning assets | 0.4477% | 4,331 |
| Net interest margin | 3.8513% | 2,405 |
| Noninterest income to average assets | 0.8006% | 1,346 |
| Noninterest expense to average assets | 3.1926% | 1,527 |
| Loan and lease loss provision to assets | 0.2678% | 559 |
| Net operating income to assets | 0.7229% | 3,924 |
| Return on assets (ROA) | 0.7622% | 3,847 |
| Pretax return on assets | 0.9523% | 3,704 |
| Return on Equity (ROE) | 5.1583% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.6094% | 3,888 |
| Net charge-offs to loans | 0.1961% | 843 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,933 |
| Efficiency ratio | 73.1642% | 1,752 |
| Assets per employee ($millions) | 3.4218% | 4,582 |
| Cash dividends to net income (ytd only)* | 49.4145% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,082 |
| Loan loss allowance to noncurrent loans | 32.3077% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4904% | 757 |
| Noncurrent loans to loans | 3.9735% | 182 |
| Net loans and leases to total assets | 37.0279% | 4,945 |
| Net loans and leases to deposits | 44.4844% | 4,941 |
| Net loans and leases to core deposits | 49.2257% | 4,881 |
| Total domestic deposits to total assets | 83.2379% | 3,133 |
| Equity capital to assets | 15.6889% | 673 |
| Core capital (leverage) ratio | 14.8797% | 733 |
| Tier 1 risk-based capital ratio | 27.3940% | 597 |
| Total risk-based capital ratio | 28.2767% | 603 |
| Memoranda: | ||
| Average total assets | $224,082,670 | 2,656 |
| Average earning assets | $207,304,000 | 2,665 |
| Average equity | $33,111,670 | 2,242 |
| Average total loans | $81,586,670 | 3,627 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 3,777 |
| Cost of funding earning assets | 0.4120% | 4,440 |
| Net interest margin | 3.8196% | 2,449 |
| Noninterest income to average assets | 0.7274% | 1,519 |
| Noninterest expense to average assets | 3.0554% | 1,836 |
| Loan and lease loss provision to assets | 0.5335% | 195 |
| Net operating income to assets | 0.4725% | 4,591 |
| Return on assets (ROA) | 0.5104% | 4,514 |
| Pretax return on assets | 0.7149% | 4,264 |
| Return on Equity (ROE) | 3.5630% | 4,668 |
| Retained earnings to average equity (ytd only) | -1.6760% | 4,718 |
| Net charge-offs to loans | 0.1736% | 788 |
| Credit loss provision to net charge-offs | 857.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 19.2857% | 1,597 |
| Efficiency ratio | 71.7927% | 2,064 |
| Assets per employee ($millions) | 3.5928% | 4,473 |
| Cash dividends to net income (ytd only)* | 147.0383% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 1,800 |
| Loan loss allowance to noncurrent loans | 33.8387% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4478% | 848 |
| Noncurrent loans to loans | 4.0384% | 186 |
| Net loans and leases to total assets | 35.0306% | 5,047 |
| Net loans and leases to deposits | 41.3975% | 5,053 |
| Net loans and leases to core deposits | 44.2668% | 5,032 |
| Total domestic deposits to total assets | 84.6200% | 2,810 |
| Equity capital to assets | 14.3397% | 929 |
| Core capital (leverage) ratio | 14.5525% | 801 |
| Tier 1 risk-based capital ratio | 26.4869% | 655 |
| Total risk-based capital ratio | 27.3918% | 663 |
| Memoranda: | ||
| Average total assets | $224,914,500 | 2,684 |
| Average earning assets | $207,770,000 | 2,689 |
| Average equity | $32,220,000 | 2,286 |
| Average total loans | $80,666,000 | 3,678 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,076 |
| Cost of funding earning assets | 0.3878% | 4,061 |
| Net interest margin | 3.9203% | 2,259 |
| Noninterest income to average assets | 0.7279% | 1,744 |
| Noninterest expense to average assets | 3.2947% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8626% | 3,568 |
| Return on assets (ROA) | 0.8726% | 3,518 |
| Pretax return on assets | 1.0564% | 3,423 |
| Return on Equity (ROE) | 6.3389% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.9650% | 2,780 |
| Net charge-offs to loans | 0.0571% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 51.7778% | 1,111 |
| Efficiency ratio | 75.9322% | 1,380 |
| Assets per employee ($millions) | 3.3316% | 4,720 |
| Cash dividends to net income (ytd only)* | 21.6744% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,279 |
| Loan loss allowance to noncurrent loans | 136.3782% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,383 |
| Noncurrent loans to loans | 0.7833% | 2,049 |
| Net loans and leases to total assets | 35.8434% | 5,069 |
| Net loans and leases to deposits | 42.3611% | 5,068 |
| Net loans and leases to core deposits | 45.4475% | 5,050 |
| Total domestic deposits to total assets | 84.6139% | 2,793 |
| Equity capital to assets | 14.3105% | 891 |
| Core capital (leverage) ratio | 14.8628% | 720 |
| Tier 1 risk-based capital ratio | 27.5125% | 591 |
| Total risk-based capital ratio | 28.2297% | 606 |
| Memoranda: | ||
| Average total assets | $223,116,400 | 2,671 |
| Average earning assets | $205,519,400 | 2,676 |
| Average equity | $30,715,200 | 2,301 |
| Average total loans | $78,787,200 | 3,690 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 3,058 |
| Cost of funding earning assets | 0.3791% | 3,999 |
| Net interest margin | 3.8961% | 2,319 |
| Noninterest income to average assets | 0.7038% | 1,849 |
| Noninterest expense to average assets | 3.1992% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9018% | 3,522 |
| Return on assets (ROA) | 0.9062% | 3,503 |
| Pretax return on assets | 1.1021% | 3,394 |
| Return on Equity (ROE) | 6.6474% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.8043% | 3,344 |
| Net charge-offs to loans | 0.0339% | 2,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 92.0862% | 801 |
| Efficiency ratio | 74.4699% | 1,523 |
| Assets per employee ($millions) | 3.3287% | 4,746 |
| Cash dividends to net income (ytd only)* | 27.7266% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,412 |
| Loan loss allowance to noncurrent loans | 66.9213% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 2,350 |
| Noncurrent loans to loans | 1.5849% | 1,005 |
| Net loans and leases to total assets | 37.1963% | 5,102 |
| Net loans and leases to deposits | 44.9252% | 5,086 |
| Net loans and leases to core deposits | 48.3733% | 5,060 |
| Total domestic deposits to total assets | 82.7961% | 3,375 |
| Equity capital to assets | 13.6804% | 1,062 |
| Core capital (leverage) ratio | 14.5082% | 821 |
| Tier 1 risk-based capital ratio | 26.1822% | 667 |
| Total risk-based capital ratio | 26.8938% | 688 |
| Memoranda: | ||
| Average total assets | $223,923,750 | 2,674 |
| Average earning assets | $206,456,500 | 2,680 |
| Average equity | $30,527,250 | 2,314 |
| Average total loans | $78,567,500 | 3,724 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 3,009 |
| Cost of funding earning assets | 0.3565% | 4,029 |
| Net interest margin | 3.8747% | 2,293 |
| Noninterest income to average assets | 0.6825% | 1,947 |
| Noninterest expense to average assets | 3.2139% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8593% | 3,633 |
| Return on assets (ROA) | 0.8645% | 3,608 |
| Pretax return on assets | 1.0438% | 3,533 |
| Return on Equity (ROE) | 6.3484% | 4,125 |
| Retained earnings to average equity (ytd only) | 3.5979% | 3,796 |
| Net charge-offs to loans | 0.0052% | 2,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 584.5000% | 151 |
| Efficiency ratio | 75.5950% | 1,484 |
| Assets per employee ($millions) | 3.3155% | 4,799 |
| Cash dividends to net income (ytd only)* | 43.3265% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,204 |
| Loan loss allowance to noncurrent loans | 69.0881% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,436 |
| Noncurrent loans to loans | 1.6065% | 1,007 |
| Net loans and leases to total assets | 35.8579% | 5,185 |
| Net loans and leases to deposits | 42.0418% | 5,194 |
| Net loans and leases to core deposits | 45.1997% | 5,171 |
| Total domestic deposits to total assets | 85.2909% | 2,567 |
| Equity capital to assets | 13.6683% | 1,040 |
| Core capital (leverage) ratio | 13.9056% | 929 |
| Tier 1 risk-based capital ratio | 26.1259% | 662 |
| Total risk-based capital ratio | 26.8635% | 676 |
| Memoranda: | ||
| Average total assets | $225,333,670 | 2,675 |
| Average earning assets | $207,553,670 | 2,689 |
| Average equity | $30,684,670 | 2,308 |
| Average total loans | $77,225,330 | 3,768 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,950 |
| Cost of funding earning assets | 0.3501% | 3,993 |
| Net interest margin | 3.8296% | 2,302 |
| Noninterest income to average assets | 0.6910% | 1,874 |
| Noninterest expense to average assets | 3.1781% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8637% | 3,438 |
| Return on assets (ROA) | 0.8637% | 3,454 |
| Pretax return on assets | 1.0417% | 3,389 |
| Return on Equity (ROE) | 6.3542% | 4,033 |
| Retained earnings to average equity (ytd only) | 0.8818% | 4,654 |
| Net charge-offs to loans | -0.0423% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3133% | 1,699 |
| Assets per employee ($millions) | 3.5078% | 4,655 |
| Cash dividends to net income (ytd only)* | 86.1224% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,871 |
| Loan loss allowance to noncurrent loans | 135.5322% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 3,539 |
| Noncurrent loans to loans | 0.8778% | 2,069 |
| Net loans and leases to total assets | 32.4287% | 5,312 |
| Net loans and leases to deposits | 37.7466% | 5,322 |
| Net loans and leases to core deposits | 40.4917% | 5,296 |
| Total domestic deposits to total assets | 85.9116% | 2,585 |
| Equity capital to assets | 13.0561% | 1,212 |
| Core capital (leverage) ratio | 13.4739% | 1,016 |
| Tier 1 risk-based capital ratio | 25.6110% | 714 |
| Total risk-based capital ratio | 26.3736% | 732 |
| Memoranda: | ||
| Average total assets | $226,930,000 | 2,687 |
| Average earning assets | $209,110,500 | 2,703 |
| Average equity | $30,845,500 | 2,315 |
| Average total loans | $75,563,500 | 3,848 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 3,118 |
| Cost of funding earning assets | 0.3717% | 3,500 |
| Net interest margin | 3.7099% | 2,761 |
| Noninterest income to average assets | 0.7099% | 1,918 |
| Noninterest expense to average assets | 3.4128% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3746% | 4,771 |
| Return on assets (ROA) | 0.4031% | 4,701 |
| Pretax return on assets | 0.7379% | 4,420 |
| Return on Equity (ROE) | 2.7953% | 4,888 |
| Retained earnings to average equity (ytd only) | 1.4533% | 4,423 |
| Net charge-offs to loans | 0.1877% | 1,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.7234% | 2,645 |
| Efficiency ratio | 83.1137% | 847 |
| Assets per employee ($millions) | 3.2698% | 4,971 |
| Cash dividends to net income (ytd only)* | 48.0091% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,826 |
| Loan loss allowance to noncurrent loans | 132.5444% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,497 |
| Noncurrent loans to loans | 0.8996% | 1,977 |
| Net loans and leases to total assets | 33.3939% | 5,356 |
| Net loans and leases to deposits | 39.3746% | 5,354 |
| Net loans and leases to core deposits | 42.5542% | 5,330 |
| Total domestic deposits to total assets | 84.8109% | 2,909 |
| Equity capital to assets | 14.1511% | 864 |
| Core capital (leverage) ratio | 13.8276% | 875 |
| Tier 1 risk-based capital ratio | 26.3987% | 632 |
| Total risk-based capital ratio | 27.1855% | 657 |
| Memoranda: | ||
| Average total assets | $218,060,400 | 2,743 |
| Average earning assets | $199,626,800 | 2,768 |
| Average equity | $31,445,200 | 2,258 |
| Average total loans | $75,135,200 | 3,843 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,073 |
| Cost of funding earning assets | 0.3770% | 3,407 |
| Net interest margin | 3.6974% | 2,773 |
| Noninterest income to average assets | 0.6999% | 2,000 |
| Noninterest expense to average assets | 3.3629% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5953% | 4,410 |
| Return on assets (ROA) | 0.6280% | 4,336 |
| Pretax return on assets | 0.7570% | 4,461 |
| Return on Equity (ROE) | 4.3340% | 4,759 |
| Retained earnings to average equity (ytd only) | 2.5444% | 4,366 |
| Net charge-offs to loans | 0.1757% | 1,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 11.7977% | 2,473 |
| Efficiency ratio | 82.4123% | 882 |
| Assets per employee ($millions) | 3.1375% | 5,136 |
| Cash dividends to net income (ytd only)* | 41.2915% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,971 |
| Loan loss allowance to noncurrent loans | 119.9488% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 3,404 |
| Noncurrent loans to loans | 0.9940% | 1,946 |
| Net loans and leases to total assets | 36.4341% | 5,329 |
| Net loans and leases to deposits | 43.5409% | 5,322 |
| Net loans and leases to core deposits | 47.2836% | 5,279 |
| Total domestic deposits to total assets | 83.6778% | 3,236 |
| Equity capital to assets | 15.1767% | 695 |
| Core capital (leverage) ratio | 14.0862% | 874 |
| Tier 1 risk-based capital ratio | 25.9565% | 682 |
| Total risk-based capital ratio | 26.7684% | 698 |
| Memoranda: | ||
| Average total assets | $216,989,750 | 2,778 |
| Average earning assets | $198,402,250 | 2,808 |
| Average equity | $31,440,500 | 2,269 |
| Average total loans | $75,132,750 | 3,875 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 3,217 |
| Cost of funding earning assets | 0.3771% | 3,311 |
| Net interest margin | 3.6183% | 2,961 |
| Noninterest income to average assets | 0.6746% | 2,104 |
| Noninterest expense to average assets | 3.3446% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5448% | 4,548 |
| Return on assets (ROA) | 0.5921% | 4,390 |
| Pretax return on assets | 0.6920% | 4,571 |
| Return on Equity (ROE) | 4.1506% | 4,784 |
| Retained earnings to average equity (ytd only) | 1.4392% | 4,671 |
| Net charge-offs to loans | 0.2542% | 805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.3936% | 2,606 |
| Efficiency ratio | 84.0009% | 845 |
| Assets per employee ($millions) | 3.1868% | 5,114 |
| Cash dividends to net income (ytd only)* | 65.3251% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,655 |
| Loan loss allowance to noncurrent loans | 84.7260% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 2,695 |
| Noncurrent loans to loans | 1.4812% | 1,274 |
| Net loans and leases to total assets | 33.7428% | 5,454 |
| Net loans and leases to deposits | 40.0357% | 5,452 |
| Net loans and leases to core deposits | 43.2734% | 5,408 |
| Total domestic deposits to total assets | 84.2817% | 3,096 |
| Equity capital to assets | 14.6246% | 790 |
| Core capital (leverage) ratio | 13.5440% | 983 |
| Tier 1 risk-based capital ratio | 26.0151% | 674 |
| Total risk-based capital ratio | 26.8441% | 687 |
| Memoranda: | ||
| Average total assets | $218,204,000 | 2,785 |
| Average earning assets | $199,432,670 | 2,810 |
| Average equity | $31,127,670 | 2,285 |
| Average total loans | $73,954,000 | 3,923 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 3,217 |
| Cost of funding earning assets | 0.3760% | 3,241 |
| Net interest margin | 3.5704% | 3,002 |
| Noninterest income to average assets | 0.6993% | 1,974 |
| Noninterest expense to average assets | 3.3069% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5652% | 4,308 |
| Return on assets (ROA) | 0.6478% | 3,977 |
| Pretax return on assets | 0.7361% | 4,323 |
| Return on Equity (ROE) | 4.5994% | 4,565 |
| Retained earnings to average equity (ytd only) | -0.9147% | 5,050 |
| Net charge-offs to loans | 0.3435% | 535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.5397% | 2,285 |
| Efficiency ratio | 83.7372% | 993 |
| Assets per employee ($millions) | 3.2800% | 5,067 |
| Cash dividends to net income (ytd only)* | 119.8864% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,425 |
| Loan loss allowance to noncurrent loans | 125.8398% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 3,398 |
| Noncurrent loans to loans | 1.0514% | 1,955 |
| Net loans and leases to total assets | 32.5683% | 5,525 |
| Net loans and leases to deposits | 38.2628% | 5,518 |
| Net loans and leases to core deposits | 41.3185% | 5,487 |
| Total domestic deposits to total assets | 85.1174% | 3,038 |
| Equity capital to assets | 13.8173% | 962 |
| Core capital (leverage) ratio | 13.6255% | 935 |
| Tier 1 risk-based capital ratio | 23.0042% | 977 |
| Total risk-based capital ratio | 23.7694% | 1,008 |
| Memoranda: | ||
| Average total assets | $217,361,000 | 2,814 |
| Average earning assets | $197,848,000 | 2,852 |
| Average equity | $30,612,500 | 2,327 |
| Average total loans | $73,361,000 | 3,964 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 2,923 |
| Cost of funding earning assets | 0.3894% | 3,106 |
| Net interest margin | 3.6932% | 2,722 |
| Noninterest income to average assets | 0.7775% | 1,841 |
| Noninterest expense to average assets | 3.6572% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4933% | 4,659 |
| Return on assets (ROA) | 0.6004% | 4,314 |
| Pretax return on assets | 0.5985% | 4,789 |
| Return on Equity (ROE) | 3.9451% | 4,852 |
| Retained earnings to average equity (ytd only) | 2.5902% | 4,046 |
| Net charge-offs to loans | 0.1336% | 1,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 10.0686% | 2,686 |
| Efficiency ratio | 88.1559% | 664 |
| Assets per employee ($millions) | 3.0679% | 5,297 |
| Cash dividends to net income (ytd only)* | 34.3426% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,006 |
| Loan loss allowance to noncurrent loans | 39.2952% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 1,232 |
| Noncurrent loans to loans | 3.6097% | 324 |
| Net loans and leases to total assets | 34.0467% | 5,547 |
| Net loans and leases to deposits | 40.2618% | 5,544 |
| Net loans and leases to core deposits | 43.5790% | 5,499 |
| Total domestic deposits to total assets | 84.5632% | 3,219 |
| Equity capital to assets | 14.3644% | 775 |
| Core capital (leverage) ratio | 14.1739% | 773 |
| Tier 1 risk-based capital ratio | 25.3048% | 743 |
| Total risk-based capital ratio | 26.1963% | 761 |
| Memoranda: | ||
| Average total assets | $209,014,200 | 2,862 |
| Average earning assets | $190,782,400 | 2,888 |
| Average equity | $31,811,800 | 2,234 |
| Average total loans | $76,348,400 | 3,892 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 2,897 |
| Cost of funding earning assets | 0.3928% | 3,096 |
| Net interest margin | 3.7018% | 2,712 |
| Noninterest income to average assets | 0.7666% | 1,904 |
| Noninterest expense to average assets | 3.5990% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5268% | 4,587 |
| Return on assets (ROA) | 0.6623% | 4,151 |
| Pretax return on assets | 0.6937% | 4,626 |
| Return on Equity (ROE) | 4.2906% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.5038% | 4,418 |
| Net charge-offs to loans | 0.1538% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.6744% | 2,663 |
| Efficiency ratio | 86.7232% | 761 |
| Assets per employee ($millions) | 2.9041% | 5,464 |
| Cash dividends to net income (ytd only)* | 41.6422% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,385 |
| Loan loss allowance to noncurrent loans | 38.8027% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 1,256 |
| Noncurrent loans to loans | 3.5060% | 364 |
| Net loans and leases to total assets | 36.9235% | 5,511 |
| Net loans and leases to deposits | 44.5467% | 5,496 |
| Net loans and leases to core deposits | 48.3685% | 5,442 |
| Total domestic deposits to total assets | 82.8872% | 3,638 |
| Equity capital to assets | 15.9818% | 560 |
| Core capital (leverage) ratio | 14.3980% | 752 |
| Tier 1 risk-based capital ratio | 25.7547% | 735 |
| Total risk-based capital ratio | 26.6791% | 751 |
| Memoranda: | ||
| Average total assets | $208,347,000 | 2,887 |
| Average earning assets | $190,427,250 | 2,904 |
| Average equity | $32,163,000 | 2,237 |
| Average total loans | $77,158,500 | 3,899 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 2,894 |
| Cost of funding earning assets | 0.3946% | 3,102 |
| Net interest margin | 3.6977% | 2,705 |
| Noninterest income to average assets | 0.7452% | 1,949 |
| Noninterest expense to average assets | 3.5807% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4978% | 4,691 |
| Return on assets (ROA) | 0.5979% | 4,401 |
| Pretax return on assets | 0.6543% | 4,751 |
| Return on Equity (ROE) | 3.9185% | 4,941 |
| Retained earnings to average equity (ytd only) | 1.2163% | 4,893 |
| Net charge-offs to loans | 0.0415% | 2,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 35.5625% | 1,247 |
| Efficiency ratio | 86.8043% | 811 |
| Assets per employee ($millions) | 2.9717% | 5,460 |
| Cash dividends to net income (ytd only)* | 68.9600% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 2,204 |
| Loan loss allowance to noncurrent loans | 48.4052% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 1,654 |
| Noncurrent loans to loans | 2.9365% | 515 |
| Net loans and leases to total assets | 36.9133% | 5,563 |
| Net loans and leases to deposits | 44.2261% | 5,554 |
| Net loans and leases to core deposits | 47.9811% | 5,501 |
| Total domestic deposits to total assets | 83.4650% | 3,477 |
| Equity capital to assets | 15.4752% | 631 |
| Core capital (leverage) ratio | 13.6509% | 930 |
| Tier 1 risk-based capital ratio | 24.6154% | 840 |
| Total risk-based capital ratio | 25.5721% | 856 |
| Memoranda: | ||
| Average total assets | $209,065,670 | 2,894 |
| Average earning assets | $191,090,670 | 2,917 |
| Average equity | $31,899,670 | 2,249 |
| Average total loans | $77,150,330 | 3,921 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,024 |
| Cost of funding earning assets | 0.3935% | 3,154 |
| Net interest margin | 3.6593% | 2,854 |
| Noninterest income to average assets | 0.7669% | 1,746 |
| Noninterest expense to average assets | 3.5521% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5215% | 4,541 |
| Return on assets (ROA) | 0.5613% | 4,467 |
| Pretax return on assets | 0.5997% | 4,822 |
| Return on Equity (ROE) | 3.7051% | 4,993 |
| Retained earnings to average equity (ytd only) | -1.7637% | 5,363 |
| Net charge-offs to loans | -0.0052% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4359% | 941 |
| Assets per employee ($millions) | 3.0395% | 5,466 |
| Cash dividends to net income (ytd only)* | 147.6027% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 2,053 |
| Loan loss allowance to noncurrent loans | 36.9890% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 1,240 |
| Noncurrent loans to loans | 4.0157% | 301 |
| Net loans and leases to total assets | 35.5361% | 5,654 |
| Net loans and leases to deposits | 42.2325% | 5,647 |
| Net loans and leases to core deposits | 45.7534% | 5,601 |
| Total domestic deposits to total assets | 84.1439% | 3,462 |
| Equity capital to assets | 14.8700% | 723 |
| Core capital (leverage) ratio | 13.7045% | 907 |
| Tier 1 risk-based capital ratio | 23.7934% | 933 |
| Total risk-based capital ratio | 24.7445% | 956 |
| Memoranda: | ||
| Average total assets | $208,104,000 | 2,909 |
| Average earning assets | $190,091,500 | 2,929 |
| Average equity | $31,524,000 | 2,272 |
| Average total loans | $76,222,500 | 3,956 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 2,465 |
| Cost of funding earning assets | 0.4106% | 3,045 |
| Net interest margin | 3.8169% | 2,318 |
| Noninterest income to average assets | 0.7662% | 1,914 |
| Noninterest expense to average assets | 3.7310% | 941 |
| Loan and lease loss provision to assets | 0.1189% | 2,006 |
| Net operating income to assets | 0.4309% | 4,948 |
| Return on assets (ROA) | 0.5176% | 4,710 |
| Pretax return on assets | 0.4656% | 5,188 |
| Return on Equity (ROE) | 3.3765% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.0194% | 4,575 |
| Net charge-offs to loans | 1.2600% | 138 |
| Credit loss provision to net charge-offs | 24.5399% | 3,711 |
| Earnings coverage of net charge-offs (x) | 1.0276% | 4,149 |
| Efficiency ratio | 88.2291% | 820 |
| Assets per employee ($millions) | 2.9485% | 5,571 |
| Cash dividends to net income (ytd only)* | 40.1914% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,978 |
| Loan loss allowance to noncurrent loans | 63.3482% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0578% | 2,071 |
| Noncurrent loans to loans | 2.3753% | 798 |
| Net loans and leases to total assets | 36.6479% | 5,684 |
| Net loans and leases to deposits | 43.8793% | 5,654 |
| Net loans and leases to core deposits | 47.6278% | 5,578 |
| Total domestic deposits to total assets | 83.5198% | 3,661 |
| Equity capital to assets | 15.4391% | 610 |
| Core capital (leverage) ratio | 14.1878% | 776 |
| Tier 1 risk-based capital ratio | 25.5977% | 769 |
| Total risk-based capital ratio | 26.6118% | 771 |
| Memoranda: | ||
| Average total assets | $201,902,600 | 2,929 |
| Average earning assets | $183,160,400 | 2,961 |
| Average equity | $30,949,200 | 2,254 |
| Average total loans | $77,616,200 | 3,894 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,450 |
| Cost of funding earning assets | 0.4147% | 3,071 |
| Net interest margin | 3.8235% | 2,296 |
| Noninterest income to average assets | 0.7609% | 1,981 |
| Noninterest expense to average assets | 3.6681% | 1,023 |
| Loan and lease loss provision to assets | 0.1191% | 1,911 |
| Net operating income to assets | 0.4479% | 4,978 |
| Return on assets (ROA) | 0.5088% | 4,847 |
| Pretax return on assets | 0.4995% | 5,219 |
| Return on Equity (ROE) | 3.3253% | 5,283 |
| Retained earnings to average equity (ytd only) | 1.5091% | 5,113 |
| Net charge-offs to loans | -0.0051% | 4,835 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8013% | 950 |
| Assets per employee ($millions) | 2.9677% | 5,585 |
| Cash dividends to net income (ytd only)* | 54.6167% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5690% | 401 |
| Loan loss allowance to noncurrent loans | 65.4800% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.7718% | 1,216 |
| Noncurrent loans to loans | 3.9233% | 336 |
| Net loans and leases to total assets | 39.2922% | 5,633 |
| Net loans and leases to deposits | 47.7528% | 5,581 |
| Net loans and leases to core deposits | 51.9061% | 5,506 |
| Total domestic deposits to total assets | 82.2824% | 4,072 |
| Equity capital to assets | 15.5862% | 632 |
| Core capital (leverage) ratio | 14.3917% | 757 |
| Tier 1 risk-based capital ratio | 27.1212% | 678 |
| Total risk-based capital ratio | 28.3858% | 656 |
| Memoranda: | ||
| Average total assets | $201,517,250 | 2,951 |
| Average earning assets | $182,622,500 | 2,998 |
| Average equity | $30,834,000 | 2,278 |
| Average total loans | $78,096,000 | 3,920 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 2,603 |
| Cost of funding earning assets | 0.4134% | 3,119 |
| Net interest margin | 3.7707% | 2,435 |
| Noninterest income to average assets | 0.8053% | 1,757 |
| Noninterest expense to average assets | 3.7310% | 952 |
| Loan and lease loss provision to assets | 0.1186% | 1,870 |
| Net operating income to assets | 0.3735% | 5,223 |
| Return on assets (ROA) | 0.4397% | 5,103 |
| Pretax return on assets | 0.4288% | 5,406 |
| Return on Equity (ROE) | 2.8913% | 5,439 |
| Retained earnings to average equity (ytd only) | 0.1624% | 5,453 |
| Net charge-offs to loans | -0.0258% | 5,269 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5761% | 870 |
| Assets per employee ($millions) | 2.8744% | 5,737 |
| Cash dividends to net income (ytd only)* | 94.3820% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4945% | 485 |
| Loan loss allowance to noncurrent loans | 62.0402% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.7951% | 1,283 |
| Noncurrent loans to loans | 4.0207% | 380 |
| Net loans and leases to total assets | 38.9894% | 5,686 |
| Net loans and leases to deposits | 46.4741% | 5,652 |
| Net loans and leases to core deposits | 50.3870% | 5,595 |
| Total domestic deposits to total assets | 83.8950% | 3,614 |
| Equity capital to assets | 15.0210% | 701 |
| Core capital (leverage) ratio | 14.1769% | 792 |
| Tier 1 risk-based capital ratio | 27.0473% | 705 |
| Total risk-based capital ratio | 28.3044% | 689 |
| Memoranda: | ||
| Average total assets | $202,411,000 | 2,969 |
| Average earning assets | $182,884,670 | 3,020 |
| Average equity | $30,781,670 | 2,291 |
| Average total loans | $77,399,000 | 3,965 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 2,713 |
| Cost of funding earning assets | 0.4085% | 3,216 |
| Net interest margin | 3.7201% | 2,556 |
| Noninterest income to average assets | 0.7231% | 2,051 |
| Noninterest expense to average assets | 3.6333% | 1,089 |
| Loan and lease loss provision to assets | 0.1182% | 1,749 |
| Net operating income to assets | 0.3133% | 5,367 |
| Return on assets (ROA) | 0.4000% | 5,180 |
| Pretax return on assets | 0.3960% | 5,439 |
| Return on Equity (ROE) | 2.6143% | 5,504 |
| Retained earnings to average equity (ytd only) | -2.7945% | 5,774 |
| Net charge-offs to loans | -0.0422% | 5,439 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4711% | 890 |
| Assets per employee ($millions) | 2.9144% | 5,769 |
| Cash dividends to net income (ytd only)* | 206.8966% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5289% | 508 |
| Loan loss allowance to noncurrent loans | 83.5122% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 1,998 |
| Noncurrent loans to loans | 3.0282% | 709 |
| Net loans and leases to total assets | 36.2288% | 5,816 |
| Net loans and leases to deposits | 43.1412% | 5,793 |
| Net loans and leases to core deposits | 46.6604% | 5,721 |
| Total domestic deposits to total assets | 83.9772% | 3,828 |
| Equity capital to assets | 15.0403% | 706 |
| Core capital (leverage) ratio | 14.1629% | 779 |
| Tier 1 risk-based capital ratio | 25.7284% | 810 |
| Total risk-based capital ratio | 26.9829% | 795 |
| Memoranda: | ||
| Average total assets | $203,011,000 | 2,977 |
| Average earning assets | $182,143,500 | 3,044 |
| Average equity | $31,060,500 | 2,289 |
| Average total loans | $75,869,500 | 4,029 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 2,754 |
| Cost of funding earning assets | 0.4507% | 3,166 |
| Net interest margin | 3.8070% | 2,604 |
| Noninterest income to average assets | 0.7774% | 1,962 |
| Noninterest expense to average assets | 3.7781% | 1,022 |
| Loan and lease loss provision to assets | 0.1179% | 2,207 |
| Net operating income to assets | 0.3779% | 5,297 |
| Return on assets (ROA) | 0.5656% | 4,618 |
| Pretax return on assets | 0.4900% | 5,277 |
| Return on Equity (ROE) | 3.8584% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.4538% | 4,482 |
| Net charge-offs to loans | 0.1121% | 2,911 |
| Credit loss provision to net charge-offs | 275.8621% | 924 |
| Earnings coverage of net charge-offs (x) | 9.8276% | 2,693 |
| Efficiency ratio | 89.9918% | 841 |
| Assets per employee ($millions) | 2.8443% | 5,891 |
| Cash dividends to net income (ytd only)* | 36.4031% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5084% | 545 |
| Loan loss allowance to noncurrent loans | 80.0085% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4320% | 1,925 |
| Noncurrent loans to loans | 3.1352% | 704 |
| Net loans and leases to total assets | 36.6407% | 5,920 |
| Net loans and leases to deposits | 43.9020% | 5,881 |
| Net loans and leases to core deposits | 47.6810% | 5,831 |
| Total domestic deposits to total assets | 83.4604% | 3,924 |
| Equity capital to assets | 15.5697% | 593 |
| Core capital (leverage) ratio | 14.1517% | 778 |
| Tier 1 risk-based capital ratio | 25.5120% | 797 |
| Total risk-based capital ratio | 26.7678% | 785 |
| Memoranda: | ||
| Average total assets | $203,487,200 | 2,951 |
| Average earning assets | $182,846,600 | 3,001 |
| Average equity | $29,831,400 | 2,279 |
| Average total loans | $77,584,000 | 3,949 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 2,651 |
| Cost of funding earning assets | 0.4588% | 3,158 |
| Net interest margin | 3.8378% | 2,484 |
| Noninterest income to average assets | 0.7768% | 1,980 |
| Noninterest expense to average assets | 3.6991% | 1,121 |
| Loan and lease loss provision to assets | 0.1173% | 2,105 |
| Net operating income to assets | 0.4217% | 5,169 |
| Return on assets (ROA) | 0.6537% | 4,296 |
| Pretax return on assets | 0.6485% | 4,879 |
| Return on Equity (ROE) | 4.5272% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.6360% | 4,715 |
| Net charge-offs to loans | 0.0801% | 3,057 |
| Credit loss provision to net charge-offs | 382.9787% | 737 |
| Earnings coverage of net charge-offs (x) | 17.4241% | 1,902 |
| Efficiency ratio | 87.3903% | 1,059 |
| Assets per employee ($millions) | 2.8610% | 5,902 |
| Cash dividends to net income (ytd only)* | 41.7745% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2744% | 851 |
| Loan loss allowance to noncurrent loans | 61.6944% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.8028% | 1,649 |
| Noncurrent loans to loans | 3.6866% | 620 |
| Net loans and leases to total assets | 40.4182% | 5,790 |
| Net loans and leases to deposits | 49.4013% | 5,681 |
| Net loans and leases to core deposits | 54.0854% | 5,558 |
| Total domestic deposits to total assets | 81.8161% | 4,543 |
| Equity capital to assets | 15.5240% | 630 |
| Core capital (leverage) ratio | 13.7857% | 899 |
| Tier 1 risk-based capital ratio | 25.0631% | 877 |
| Total risk-based capital ratio | 26.3190% | 863 |
| Memoranda: | ||
| Average total assets | $204,584,500 | 2,963 |
| Average earning assets | $184,233,500 | 3,009 |
| Average equity | $29,539,500 | 2,308 |
| Average total loans | $78,273,000 | 3,952 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 2,832 |
| Cost of funding earning assets | 0.4691% | 3,115 |
| Net interest margin | 3.7645% | 2,697 |
| Noninterest income to average assets | 0.8117% | 1,797 |
| Noninterest expense to average assets | 3.6516% | 1,207 |
| Loan and lease loss provision to assets | 0.1160% | 2,103 |
| Net operating income to assets | 0.4011% | 5,218 |
| Return on assets (ROA) | 0.4967% | 4,903 |
| Pretax return on assets | 0.5170% | 5,234 |
| Return on Equity (ROE) | 3.5241% | 5,341 |
| Retained earnings to average equity (ytd only) | 0.6513% | 5,474 |
| Net charge-offs to loans | 0.0415% | 3,401 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,165 |
| Efficiency ratio | 87.2547% | 1,159 |
| Assets per employee ($millions) | 2.8989% | 5,887 |
| Cash dividends to net income (ytd only)* | 81.5175% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 900 |
| Loan loss allowance to noncurrent loans | 54.0509% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 1,595 |
| Noncurrent loans to loans | 4.2532% | 539 |
| Net loans and leases to total assets | 38.2853% | 5,939 |
| Net loans and leases to deposits | 45.3881% | 5,917 |
| Net loans and leases to core deposits | 49.3709% | 5,832 |
| Total domestic deposits to total assets | 84.3511% | 3,800 |
| Equity capital to assets | 14.6801% | 780 |
| Core capital (leverage) ratio | 13.1501% | 1,108 |
| Tier 1 risk-based capital ratio | 24.1925% | 961 |
| Total risk-based capital ratio | 25.4473% | 940 |
| Memoranda: | ||
| Average total assets | $206,975,670 | 2,955 |
| Average earning assets | $185,469,000 | 3,007 |
| Average equity | $29,170,670 | 2,327 |
| Average total loans | $77,148,330 | 3,999 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 3,099 |
| Cost of funding earning assets | 0.4761% | 3,166 |
| Net interest margin | 3.6695% | 2,992 |
| Noninterest income to average assets | 0.7770% | 1,852 |
| Noninterest expense to average assets | 3.5349% | 1,420 |
| Loan and lease loss provision to assets | 0.1148% | 2,040 |
| Net operating income to assets | 0.3722% | 5,220 |
| Return on assets (ROA) | 0.5588% | 4,495 |
| Pretax return on assets | 0.6048% | 4,816 |
| Return on Equity (ROE) | 4.0469% | 5,007 |
| Retained earnings to average equity (ytd only) | -1.7601% | 5,833 |
| Net charge-offs to loans | 0.0421% | 2,793 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 975 |
| Efficiency ratio | 87.2461% | 1,313 |
| Assets per employee ($millions) | 3.0284% | 5,816 |
| Cash dividends to net income (ytd only)* | 143.4932% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 963 |
| Loan loss allowance to noncurrent loans | 58.6913% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 1,879 |
| Noncurrent loans to loans | 4.0028% | 675 |
| Net loans and leases to total assets | 35.3278% | 6,106 |
| Net loans and leases to deposits | 41.4549% | 6,106 |
| Net loans and leases to core deposits | 44.9948% | 6,036 |
| Total domestic deposits to total assets | 85.2199% | 3,765 |
| Equity capital to assets | 13.9072% | 946 |
| Core capital (leverage) ratio | 12.9877% | 1,169 |
| Tier 1 risk-based capital ratio | 22.5176% | 1,209 |
| Total risk-based capital ratio | 23.7704% | 1,185 |
| Memoranda: | ||
| Average total assets | $209,003,000 | 2,949 |
| Average earning assets | $186,512,500 | 3,014 |
| Average equity | $28,861,500 | 2,335 |
| Average total loans | $75,964,000 | 4,069 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 2,280 |
| Cost of funding earning assets | 0.5898% | 2,757 |
| Net interest margin | 3.8919% | 2,315 |
| Noninterest income to average assets | 0.6460% | 2,826 |
| Noninterest expense to average assets | 3.5662% | 1,519 |
| Loan and lease loss provision to assets | 0.6795% | 343 |
| Net operating income to assets | 0.1274% | 5,982 |
| Return on assets (ROA) | 0.1147% | 6,073 |
| Pretax return on assets | -0.1383% | 6,318 |
| Return on Equity (ROE) | 0.8179% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.8179% | 5,471 |
| Net charge-offs to loans | 0.6105% | 1,072 |
| Credit loss provision to net charge-offs | 291.4980% | 781 |
| Earnings coverage of net charge-offs (x) | 2.4069% | 4,203 |
| Efficiency ratio | 86.4052% | 1,374 |
| Assets per employee ($millions) | 3.1200% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2586% | 1,097 |
| Loan loss allowance to noncurrent loans | 257.3134% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 4,077 |
| Noncurrent loans to loans | 0.8778% | 3,789 |
| Net loans and leases to total assets | 35.6893% | 6,218 |
| Net loans and leases to deposits | 41.7645% | 6,240 |
| Net loans and leases to core deposits | 45.4682% | 6,161 |
| Total domestic deposits to total assets | 85.4537% | 3,527 |
| Equity capital to assets | 13.7111% | 991 |
| Core capital (leverage) ratio | 12.8294% | 1,207 |
| Tier 1 risk-based capital ratio | 22.7120% | 1,144 |
| Total risk-based capital ratio | 23.9644% | 1,121 |
| Memoranda: | ||
| Average total assets | $211,905,800 | 2,897 |
| Average earning assets | $189,546,400 | 2,956 |
| Average equity | $29,712,000 | 2,272 |
| Average total loans | $80,912,600 | 3,908 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 2,179 |
| Cost of funding earning assets | 0.6111% | 2,725 |
| Net interest margin | 3.9016% | 2,266 |
| Noninterest income to average assets | 0.7851% | 2,226 |
| Noninterest expense to average assets | 3.5091% | 1,595 |
| Loan and lease loss provision to assets | 0.1129% | 2,885 |
| Net operating income to assets | 0.5667% | 4,493 |
| Return on assets (ROA) | 0.5694% | 4,623 |
| Pretax return on assets | 0.6534% | 4,843 |
| Return on Equity (ROE) | 4.0389% | 5,207 |
| Retained earnings to average equity (ytd only) | 4.0389% | 3,822 |
| Net charge-offs to loans | 0.2128% | 2,550 |
| Credit loss provision to net charge-offs | 137.4046% | 1,705 |
| Earnings coverage of net charge-offs (x) | 9.2902% | 2,504 |
| Efficiency ratio | 82.1371% | 1,808 |
| Assets per employee ($millions) | 3.2191% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 5,809 |
| Loan loss allowance to noncurrent loans | 94.7308% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 3,771 |
| Noncurrent loans to loans | 1.0341% | 3,735 |
| Net loans and leases to total assets | 39.9511% | 6,037 |
| Net loans and leases to deposits | 46.9229% | 6,044 |
| Net loans and leases to core deposits | 51.4216% | 5,926 |
| Total domestic deposits to total assets | 85.1420% | 3,667 |
| Equity capital to assets | 13.9719% | 972 |
| Core capital (leverage) ratio | 13.7745% | 929 |
| Tier 1 risk-based capital ratio | 23.8927% | 1,019 |
| Total risk-based capital ratio | 24.5829% | 1,071 |
| Memoranda: | ||
| Average total assets | $212,621,500 | 2,915 |
| Average earning assets | $190,036,250 | 2,973 |
| Average equity | $29,974,500 | 2,272 |
| Average total loans | $82,058,250 | 3,909 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 2,463 |
| Cost of funding earning assets | 0.6216% | 2,759 |
| Net interest margin | 3.8070% | 2,532 |
| Noninterest income to average assets | 0.7373% | 2,467 |
| Noninterest expense to average assets | 3.4854% | 1,637 |
| Loan and lease loss provision to assets | 0.1123% | 2,936 |
| Net operating income to assets | 0.4626% | 4,964 |
| Return on assets (ROA) | 0.4697% | 5,106 |
| Pretax return on assets | 0.5577% | 5,174 |
| Return on Equity (ROE) | 3.3222% | 5,495 |
| Retained earnings to average equity (ytd only) | 3.3222% | 4,197 |
| Net charge-offs to loans | 0.2707% | 2,121 |
| Credit loss provision to net charge-offs | 109.0909% | 2,027 |
| Earnings coverage of net charge-offs (x) | 6.4273% | 2,718 |
| Efficiency ratio | 84.0478% | 1,630 |
| Assets per employee ($millions) | 3.0600% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 6,066 |
| Loan loss allowance to noncurrent loans | 92.3798% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 3,806 |
| Noncurrent loans to loans | 1.0004% | 3,934 |
| Net loans and leases to total assets | 40.5982% | 6,007 |
| Net loans and leases to deposits | 47.6840% | 6,002 |
| Net loans and leases to core deposits | 52.3301% | 5,865 |
| Total domestic deposits to total assets | 85.1402% | 3,827 |
| Equity capital to assets | 14.0265% | 964 |
| Core capital (leverage) ratio | 13.3174% | 1,046 |
| Tier 1 risk-based capital ratio | 23.7897% | 1,019 |
| Total risk-based capital ratio | 24.4525% | 1,085 |
| Memoranda: | ||
| Average total assets | $213,748,330 | 2,919 |
| Average earning assets | $191,435,330 | 2,972 |
| Average equity | $30,221,000 | 2,261 |
| Average total loans | $81,270,670 | 3,945 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 2,690 |
| Cost of funding earning assets | 0.6218% | 2,906 |
| Net interest margin | 3.7288% | 2,739 |
| Noninterest income to average assets | 0.6556% | 2,848 |
| Noninterest expense to average assets | 3.4647% | 1,696 |
| Loan and lease loss provision to assets | 0.1108% | 2,847 |
| Net operating income to assets | 0.3266% | 5,462 |
| Return on assets (ROA) | 0.3324% | 5,571 |
| Pretax return on assets | 0.4211% | 5,496 |
| Return on Equity (ROE) | 2.3423% | 5,833 |
| Retained earnings to average equity (ytd only) | 2.3423% | 4,853 |
| Net charge-offs to loans | 0.1362% | 2,592 |
| Credit loss provision to net charge-offs | 222.2222% | 1,008 |
| Earnings coverage of net charge-offs (x) | 10.5185% | 1,733 |
| Efficiency ratio | 86.8519% | 1,424 |
| Assets per employee ($millions) | 3.2297% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 5,970 |
| Loan loss allowance to noncurrent loans | 136.0738% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 4,192 |
| Noncurrent loans to loans | 0.7388% | 4,655 |
| Net loans and leases to total assets | 36.9034% | 6,231 |
| Net loans and leases to deposits | 43.3793% | 6,242 |
| Net loans and leases to core deposits | 47.4782% | 6,124 |
| Total domestic deposits to total assets | 85.0715% | 4,007 |
| Equity capital to assets | 14.1941% | 966 |
| Core capital (leverage) ratio | 13.1753% | 1,051 |
| Tier 1 risk-based capital ratio | 22.1779% | 1,297 |
| Total risk-based capital ratio | 22.8201% | 1,384 |
| Memoranda: | ||
| Average total assets | $216,583,500 | 2,917 |
| Average earning assets | $193,628,000 | 2,971 |
| Average equity | $30,738,500 | 2,258 |
| Average total loans | $79,274,000 | 4,027 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 2,478 |
| Cost of funding earning assets | 0.7425% | 3,140 |
| Net interest margin | 3.9875% | 2,444 |
| Noninterest income to average assets | 0.8097% | 2,221 |
| Noninterest expense to average assets | 3.5087% | 1,791 |
| Loan and lease loss provision to assets | 0.1148% | 4,197 |
| Net operating income to assets | 0.6481% | 3,996 |
| Return on assets (ROA) | 0.7088% | 3,953 |
| Pretax return on assets | 0.8188% | 4,226 |
| Return on Equity (ROE) | 4.7113% | 4,831 |
| Retained earnings to average equity (ytd only) | -1.6753% | 6,117 |
| Net charge-offs to loans | 0.3646% | 2,807 |
| Credit loss provision to net charge-offs | 79.7342% | 3,844 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,895 |
| Efficiency ratio | 80.2450% | 2,112 |
| Assets per employee ($millions) | 3.2354% | 5,547 |
| Cash dividends to net income (ytd only)* | 135.5601% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 5,970 |
| Loan loss allowance to noncurrent loans | 137.9433% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 3,615 |
| Noncurrent loans to loans | 0.7242% | 4,733 |
| Net loans and leases to total assets | 35.5682% | 6,460 |
| Net loans and leases to deposits | 41.7952% | 6,472 |
| Net loans and leases to core deposits | 45.6220% | 6,391 |
| Total domestic deposits to total assets | 85.1011% | 3,813 |
| Equity capital to assets | 14.1908% | 975 |
| Core capital (leverage) ratio | 13.0742% | 1,091 |
| Tier 1 risk-based capital ratio | 21.6000% | 1,336 |
| Total risk-based capital ratio | 22.2017% | 1,448 |
| Memoranda: | ||
| Average total assets | $209,081,200 | 2,936 |
| Average earning assets | $186,808,400 | 3,004 |
| Average equity | $31,456,400 | 2,172 |
| Average total loans | $82,567,000 | 3,956 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 2,378 |
| Cost of funding earning assets | 0.7676% | 3,214 |
| Net interest margin | 4.0366% | 2,354 |
| Noninterest income to average assets | 0.9062% | 1,809 |
| Noninterest expense to average assets | 3.4343% | 1,917 |
| Loan and lease loss provision to assets | 0.1158% | 4,118 |
| Net operating income to assets | 0.7758% | 3,567 |
| Return on assets (ROA) | 0.8438% | 3,487 |
| Pretax return on assets | 1.0555% | 3,515 |
| Return on Equity (ROE) | 5.5263% | 4,585 |
| Retained earnings to average equity (ytd only) | 3.9329% | 4,114 |
| Net charge-offs to loans | 0.1831% | 3,653 |
| Credit loss provision to net charge-offs | 156.5217% | 1,797 |
| Earnings coverage of net charge-offs (x) | 14.6782% | 1,822 |
| Efficiency ratio | 75.9681% | 2,687 |
| Assets per employee ($millions) | 3.1403% | 5,763 |
| Cash dividends to net income (ytd only)* | 28.8330% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,771 |
| Loan loss allowance to noncurrent loans | 97.4138% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 3,384 |
| Noncurrent loans to loans | 1.1164% | 4,194 |
| Net loans and leases to total assets | 39.6705% | 6,312 |
| Net loans and leases to deposits | 47.5384% | 6,285 |
| Net loans and leases to core deposits | 52.2197% | 6,169 |
| Total domestic deposits to total assets | 83.4493% | 4,458 |
| Equity capital to assets | 15.6764% | 671 |
| Core capital (leverage) ratio | 14.3298% | 746 |
| Tier 1 risk-based capital ratio | 23.9405% | 1,031 |
| Total risk-based capital ratio | 24.6673% | 1,089 |
| Memoranda: | ||
| Average total assets | $207,157,750 | 2,996 |
| Average earning assets | $185,497,750 | 3,046 |
| Average equity | $31,630,000 | 2,180 |
| Average total loans | $83,738,500 | 3,962 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 2,563 |
| Cost of funding earning assets | 0.7842% | 3,327 |
| Net interest margin | 4.0030% | 2,490 |
| Noninterest income to average assets | 0.9009% | 1,787 |
| Noninterest expense to average assets | 3.4144% | 1,997 |
| Loan and lease loss provision to assets | 0.1159% | 4,076 |
| Net operating income to assets | 0.7530% | 3,588 |
| Return on assets (ROA) | 0.8758% | 3,270 |
| Pretax return on assets | 1.1095% | 3,272 |
| Return on Equity (ROE) | 5.7876% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.3756% | 4,359 |
| Net charge-offs to loans | 0.1406% | 3,797 |
| Credit loss provision to net charge-offs | 203.3898% | 1,405 |
| Earnings coverage of net charge-offs (x) | 18.7797% | 1,468 |
| Efficiency ratio | 76.1413% | 2,718 |
| Assets per employee ($millions) | 3.2098% | 5,629 |
| Cash dividends to net income (ytd only)* | 41.6759% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 6,062 |
| Loan loss allowance to noncurrent loans | 65.9824% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.7020% | 3,166 |
| Noncurrent loans to loans | 1.5525% | 3,577 |
| Net loans and leases to total assets | 41.6796% | 6,206 |
| Net loans and leases to deposits | 49.6579% | 6,200 |
| Net loans and leases to core deposits | 54.4767% | 6,062 |
| Total domestic deposits to total assets | 83.9335% | 4,340 |
| Equity capital to assets | 15.2953% | 719 |
| Core capital (leverage) ratio | 14.0696% | 787 |
| Tier 1 risk-based capital ratio | 23.4194% | 1,083 |
| Total risk-based capital ratio | 24.1358% | 1,129 |
| Memoranda: | ||
| Average total assets | $207,123,670 | 3,005 |
| Average earning assets | $185,413,000 | 3,050 |
| Average equity | $31,343,000 | 2,182 |
| Average total loans | $83,943,000 | 3,979 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 2,915 |
| Cost of funding earning assets | 0.7941% | 3,521 |
| Net interest margin | 3.9405% | 2,763 |
| Noninterest income to average assets | 0.8955% | 1,762 |
| Noninterest expense to average assets | 3.3707% | 2,085 |
| Loan and lease loss provision to assets | 0.1163% | 3,898 |
| Net operating income to assets | 0.7621% | 3,565 |
| Return on assets (ROA) | 0.9808% | 2,756 |
| Pretax return on assets | 1.2211% | 2,831 |
| Return on Equity (ROE) | 6.5167% | 4,030 |
| Retained earnings to average equity (ytd only) | 1.6485% | 5,412 |
| Net charge-offs to loans | 0.1366% | 3,284 |
| Credit loss provision to net charge-offs | 214.2857% | 1,274 |
| Earnings coverage of net charge-offs (x) | 19.6071% | 1,222 |
| Efficiency ratio | 76.0052% | 2,789 |
| Assets per employee ($millions) | 3.2389% | 5,686 |
| Cash dividends to net income (ytd only)* | 74.7036% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 6,089 |
| Loan loss allowance to noncurrent loans | 68.4748% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 3,292 |
| Noncurrent loans to loans | 1.5288% | 3,824 |
| Net loans and leases to total assets | 39.1079% | 6,421 |
| Net loans and leases to deposits | 46.2654% | 6,413 |
| Net loans and leases to core deposits | 50.4987% | 6,306 |
| Total domestic deposits to total assets | 84.5294% | 4,258 |
| Equity capital to assets | 14.7790% | 790 |
| Core capital (leverage) ratio | 13.7921% | 858 |
| Tier 1 risk-based capital ratio | 22.4123% | 1,225 |
| Total risk-based capital ratio | 23.0917% | 1,288 |
| Memoranda: | ||
| Average total assets | $206,366,000 | 3,035 |
| Average earning assets | $185,356,500 | 3,077 |
| Average equity | $31,058,500 | 2,201 |
| Average total loans | $81,984,500 | 4,065 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 1,748 |
| Cost of funding earning assets | 0.9887% | 3,457 |
| Net interest margin | 4.2973% | 1,705 |
| Noninterest income to average assets | 1.0135% | 1,328 |
| Noninterest expense to average assets | 3.7433% | 1,456 |
| Loan and lease loss provision to assets | 0.1503% | 4,739 |
| Net operating income to assets | 0.8215% | 2,948 |
| Return on assets (ROA) | 0.8299% | 3,074 |
| Pretax return on assets | 0.9668% | 3,361 |
| Return on Equity (ROE) | 5.4676% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.0504% | 3,308 |
| Net charge-offs to loans | 0.4076% | 3,384 |
| Credit loss provision to net charge-offs | 83.0946% | 4,324 |
| Earnings coverage of net charge-offs (x) | 6.1203% | 2,591 |
| Efficiency ratio | 77.1722% | 2,717 |
| Assets per employee ($millions) | 3.1594% | 5,793 |
| Cash dividends to net income (ytd only)* | 25.9213% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 6,038 |
| Loan loss allowance to noncurrent loans | 109.2448% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.6112% | 3,539 |
| Noncurrent loans to loans | 0.9509% | 4,801 |
| Net loans and leases to total assets | 39.5274% | 6,570 |
| Net loans and leases to deposits | 47.0812% | 6,558 |
| Net loans and leases to core deposits | 51.9547% | 6,430 |
| Total domestic deposits to total assets | 83.9558% | 4,335 |
| Equity capital to assets | 15.3325% | 713 |
| Core capital (leverage) ratio | 14.5157% | 710 |
| Tier 1 risk-based capital ratio | 23.5050% | 1,028 |
| Total risk-based capital ratio | 24.1902% | 1,089 |
| Memoranda: | ||
| Average total assets | $192,903,200 | 3,145 |
| Average earning assets | $172,246,200 | 3,196 |
| Average equity | $29,281,400 | 2,250 |
| Average total loans | $85,628,400 | 3,975 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3766% | 1,583 |
| Cost of funding earning assets | 1.0407% | 3,386 |
| Net interest margin | 4.3359% | 1,598 |
| Noninterest income to average assets | 1.0578% | 1,201 |
| Noninterest expense to average assets | 3.7114% | 1,473 |
| Loan and lease loss provision to assets | 0.1609% | 4,457 |
| Net operating income to assets | 0.8166% | 3,073 |
| Return on assets (ROA) | 0.8269% | 3,196 |
| Pretax return on assets | 1.0669% | 3,143 |
| Return on Equity (ROE) | 5.4624% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.5446% | 4,220 |
| Net charge-offs to loans | 0.4913% | 2,785 |
| Credit loss provision to net charge-offs | 71.8750% | 4,419 |
| Earnings coverage of net charge-offs (x) | 5.4250% | 2,793 |
| Efficiency ratio | 75.3444% | 2,953 |
| Assets per employee ($millions) | 2.9991% | 6,118 |
| Cash dividends to net income (ytd only)* | 35.1100% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 6,630 |
| Loan loss allowance to noncurrent loans | 87.5406% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 3,418 |
| Noncurrent loans to loans | 1.0173% | 4,858 |
| Net loans and leases to total assets | 46.8483% | 6,066 |
| Net loans and leases to deposits | 56.2942% | 6,004 |
| Net loans and leases to core deposits | 62.4278% | 5,778 |
| Total domestic deposits to total assets | 83.2204% | 4,599 |
| Equity capital to assets | 15.9903% | 627 |
| Core capital (leverage) ratio | 14.6675% | 735 |
| Tier 1 risk-based capital ratio | 24.2005% | 992 |
| Total risk-based capital ratio | 24.8991% | 1,038 |
| Memoranda: | ||
| Average total assets | $190,578,000 | 3,195 |
| Average earning assets | $170,016,750 | 3,251 |
| Average equity | $28,851,000 | 2,278 |
| Average total loans | $86,844,250 | 3,974 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3145% | 1,840 |
| Cost of funding earning assets | 1.1024% | 3,220 |
| Net interest margin | 4.2121% | 1,983 |
| Noninterest income to average assets | 1.0393% | 1,223 |
| Noninterest expense to average assets | 3.7281% | 1,477 |
| Loan and lease loss provision to assets | 0.1262% | 4,713 |
| Net operating income to assets | 0.7112% | 3,489 |
| Return on assets (ROA) | 0.7216% | 3,551 |
| Pretax return on assets | 0.9446% | 3,455 |
| Return on Equity (ROE) | 4.8588% | 4,519 |
| Retained earnings to average equity (ytd only) | 1.9194% | 5,021 |
| Net charge-offs to loans | 0.1566% | 4,245 |
| Credit loss provision to net charge-offs | 179.1045% | 1,688 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,439 |
| Efficiency ratio | 77.9072% | 2,729 |
| Assets per employee ($millions) | 2.9598% | 6,169 |
| Cash dividends to net income (ytd only)* | 60.4956% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 6,164 |
| Loan loss allowance to noncurrent loans | 92.5097% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.9840% | 3,256 |
| Noncurrent loans to loans | 1.1296% | 4,771 |
| Net loans and leases to total assets | 46.8065% | 6,174 |
| Net loans and leases to deposits | 55.6166% | 6,168 |
| Net loans and leases to core deposits | 61.8096% | 5,915 |
| Total domestic deposits to total assets | 84.1593% | 4,280 |
| Equity capital to assets | 15.1801% | 772 |
| Core capital (leverage) ratio | 14.4791% | 765 |
| Tier 1 risk-based capital ratio | 24.5476% | 951 |
| Total risk-based capital ratio | 25.3801% | 970 |
| Memoranda: | ||
| Average total assets | $190,123,670 | 3,224 |
| Average earning assets | $169,084,000 | 3,289 |
| Average equity | $28,237,330 | 2,295 |
| Average total loans | $85,549,330 | 4,056 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 2,101 |
| Cost of funding earning assets | 1.1976% | 2,835 |
| Net interest margin | 4.0365% | 2,534 |
| Noninterest income to average assets | 0.8847% | 1,712 |
| Noninterest expense to average assets | 3.7039% | 1,528 |
| Loan and lease loss provision to assets | 0.1270% | 4,408 |
| Net operating income to assets | 0.4507% | 4,717 |
| Return on assets (ROA) | 0.4297% | 4,895 |
| Pretax return on assets | 0.6053% | 4,665 |
| Return on Equity (ROE) | 2.9258% | 5,412 |
| Retained earnings to average equity (ytd only) | -3.0555% | 6,308 |
| Net charge-offs to loans | 0.0435% | 4,509 |
| Credit loss provision to net charge-offs | 666.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 685 |
| Efficiency ratio | 82.9384% | 2,095 |
| Assets per employee ($millions) | 3.1430% | 5,849 |
| Cash dividends to net income (ytd only)* | 204.4335% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,916 |
| Loan loss allowance to noncurrent loans | 80.0169% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9914% | 3,331 |
| Noncurrent loans to loans | 1.4165% | 4,342 |
| Net loans and leases to total assets | 41.8068% | 6,639 |
| Net loans and leases to deposits | 48.9982% | 6,688 |
| Net loans and leases to core deposits | 54.1131% | 6,546 |
| Total domestic deposits to total assets | 85.3232% | 3,876 |
| Equity capital to assets | 14.0536% | 996 |
| Core capital (leverage) ratio | 14.2957% | 778 |
| Tier 1 risk-based capital ratio | 21.6652% | 1,288 |
| Total risk-based capital ratio | 22.4279% | 1,334 |
| Memoranda: | ||
| Average total assets | $188,990,500 | 3,256 |
| Average earning assets | $167,671,500 | 3,336 |
| Average equity | $27,753,500 | 2,318 |
| Average total loans | $82,823,000 | 4,169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 1,840 |
| Cost of funding earning assets | 1.2981% | 3,893 |
| Net interest margin | 4.3165% | 1,766 |
| Noninterest income to average assets | 1.0160% | 1,456 |
| Noninterest expense to average assets | 3.9262% | 1,265 |
| Loan and lease loss provision to assets | 0.1359% | 5,811 |
| Net operating income to assets | 0.7575% | 2,963 |
| Return on assets (ROA) | 0.6388% | 3,648 |
| Pretax return on assets | 0.6767% | 4,059 |
| Return on Equity (ROE) | 4.0518% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.4282% | 4,176 |
| Net charge-offs to loans | 0.2311% | 4,896 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 8.6354% | 1,945 |
| Efficiency ratio | 80.7007% | 2,318 |
| Assets per employee ($millions) | 2.8567% | 6,425 |
| Cash dividends to net income (ytd only)* | 40.0709% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,962 |
| Loan loss allowance to noncurrent loans | 102.3945% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 2.3292% | 2,938 |
| Noncurrent loans to loans | 1.0706% | 4,944 |
| Net loans and leases to total assets | 45.0168% | 6,634 |
| Net loans and leases to deposits | 53.6422% | 6,633 |
| Net loans and leases to core deposits | 59.4225% | 6,440 |
| Total domestic deposits to total assets | 83.9205% | 4,392 |
| Equity capital to assets | 15.3799% | 702 |
| Core capital (leverage) ratio | 15.0439% | 658 |
| Tier 1 risk-based capital ratio | 24.6326% | 879 |
| Total risk-based capital ratio | 25.4477% | 898 |
| Memoranda: | ||
| Average total assets | $176,580,800 | 3,427 |
| Average earning assets | $157,465,600 | 3,497 |
| Average equity | $27,839,600 | 2,321 |
| Average total loans | $83,069,400 | 4,242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6573% | 1,862 |
| Cost of funding earning assets | 1.3044% | 4,186 |
| Net interest margin | 4.3530% | 1,668 |
| Noninterest income to average assets | 0.9560% | 1,600 |
| Noninterest expense to average assets | 3.9020% | 1,200 |
| Loan and lease loss provision to assets | 0.1366% | 5,661 |
| Net operating income to assets | 0.5775% | 3,970 |
| Return on assets (ROA) | 0.5448% | 4,281 |
| Pretax return on assets | 0.7610% | 4,049 |
| Return on Equity (ROE) | 3.4337% | 5,033 |
| Retained earnings to average equity (ytd only) | 1.5112% | 5,198 |
| Net charge-offs to loans | 0.2559% | 4,412 |
| Credit loss provision to net charge-offs | 112.5000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 7.7687% | 2,272 |
| Efficiency ratio | 80.5355% | 2,267 |
| Assets per employee ($millions) | 2.6884% | 6,793 |
| Cash dividends to net income (ytd only)* | 55.9892% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,414 |
| Loan loss allowance to noncurrent loans | 79.2350% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 2.4029% | 2,976 |
| Noncurrent loans to loans | 1.2559% | 4,753 |
| Net loans and leases to total assets | 49.5327% | 6,372 |
| Net loans and leases to deposits | 59.8159% | 6,331 |
| Net loans and leases to core deposits | 66.7289% | 6,065 |
| Total domestic deposits to total assets | 82.8087% | 4,672 |
| Equity capital to assets | 16.4840% | 593 |
| Core capital (leverage) ratio | 15.2124% | 673 |
| Tier 1 risk-based capital ratio | 25.5616% | 810 |
| Total risk-based capital ratio | 26.3838% | 834 |
| Memoranda: | ||
| Average total assets | $175,732,250 | 3,488 |
| Average earning assets | $157,007,250 | 3,550 |
| Average equity | $27,879,500 | 2,347 |
| Average total loans | $83,357,500 | 4,307 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6048% | 2,126 |
| Cost of funding earning assets | 1.3030% | 4,515 |
| Net interest margin | 4.3018% | 1,775 |
| Noninterest income to average assets | 0.7725% | 2,270 |
| Noninterest expense to average assets | 3.8680% | 1,234 |
| Loan and lease loss provision to assets | 0.1363% | 5,525 |
| Net operating income to assets | 0.4909% | 4,372 |
| Return on assets (ROA) | 0.5225% | 4,386 |
| Pretax return on assets | 0.6395% | 4,435 |
| Return on Equity (ROE) | 3.3368% | 5,087 |
| Retained earnings to average equity (ytd only) | 0.4207% | 5,600 |
| Net charge-offs to loans | 0.2732% | 3,974 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 5.7946% | 2,598 |
| Efficiency ratio | 83.9911% | 1,921 |
| Assets per employee ($millions) | 2.7562% | 6,669 |
| Cash dividends to net income (ytd only)* | 87.3913% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,396 |
| Loan loss allowance to noncurrent loans | 78.0710% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 2.3444% | 3,085 |
| Noncurrent loans to loans | 1.2823% | 4,820 |
| Net loans and leases to total assets | 47.3609% | 6,676 |
| Net loans and leases to deposits | 56.5392% | 6,683 |
| Net loans and leases to core deposits | 62.0745% | 6,543 |
| Total domestic deposits to total assets | 83.7665% | 4,214 |
| Equity capital to assets | 15.6329% | 737 |
| Core capital (leverage) ratio | 15.0060% | 719 |
| Tier 1 risk-based capital ratio | 24.4542% | 896 |
| Total risk-based capital ratio | 25.2412% | 928 |
| Memoranda: | ||
| Average total assets | $176,061,330 | 3,506 |
| Average earning assets | $156,866,000 | 3,578 |
| Average equity | $27,571,000 | 2,368 |
| Average total loans | $82,001,330 | 4,385 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 2,167 |
| Cost of funding earning assets | 1.3104% | 4,750 |
| Net interest margin | 4.2853% | 1,731 |
| Noninterest income to average assets | 0.4790% | 4,207 |
| Noninterest expense to average assets | 3.9057% | 1,159 |
| Loan and lease loss provision to assets | 0.1375% | 5,183 |
| Net operating income to assets | 0.1141% | 5,985 |
| Return on assets (ROA) | 0.0848% | 6,169 |
| Pretax return on assets | 0.1902% | 5,899 |
| Return on Equity (ROE) | 0.5411% | 6,255 |
| Retained earnings to average equity (ytd only) | -5.3376% | 6,614 |
| Net charge-offs to loans | 0.5839% | 2,345 |
| Credit loss provision to net charge-offs | 51.2821% | 4,461 |
| Earnings coverage of net charge-offs (x) | 1.3932% | 3,909 |
| Efficiency ratio | 91.2694% | 1,332 |
| Assets per employee ($millions) | 2.7588% | 6,738 |
| Cash dividends to net income (ytd only)* | 1,086.4865% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,518 |
| Loan loss allowance to noncurrent loans | 83.5616% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 2.4274% | 2,991 |
| Noncurrent loans to loans | 1.1835% | 4,996 |
| Net loans and leases to total assets | 44.2741% | 6,970 |
| Net loans and leases to deposits | 52.5969% | 7,005 |
| Net loans and leases to core deposits | 56.7785% | 6,949 |
| Total domestic deposits to total assets | 84.1761% | 4,062 |
| Equity capital to assets | 15.2467% | 824 |
| Core capital (leverage) ratio | 15.0269% | 744 |
| Tier 1 risk-based capital ratio | 23.4850% | 1,015 |
| Total risk-based capital ratio | 24.1981% | 1,060 |
| Memoranda: | ||
| Average total assets | $174,515,000 | 3,583 |
| Average earning assets | $154,762,500 | 3,676 |
| Average equity | $27,353,000 | 2,416 |
| Average total loans | $80,148,500 | 4,498 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 2,557 |
| Cost of funding earning assets | 1.6309% | 4,884 |
| Net interest margin | 4.1932% | 2,089 |
| Noninterest income to average assets | 1.0401% | 1,437 |
| Noninterest expense to average assets | 4.0966% | 1,237 |
| Loan and lease loss provision to assets | 0.1381% | 6,260 |
| Net operating income to assets | 0.5193% | 3,652 |
| Return on assets (ROA) | 0.4844% | 3,893 |
| Pretax return on assets | 0.5258% | 4,117 |
| Return on Equity (ROE) | 3.1557% | 4,432 |
| Retained earnings to average equity (ytd only) | 1.7053% | 3,887 |
| Net charge-offs to loans | 0.4890% | 3,816 |
| Credit loss provision to net charge-offs | 61.0687% | 6,627 |
| Earnings coverage of net charge-offs (x) | 3.1043% | 3,511 |
| Efficiency ratio | 85.3735% | 2,182 |
| Assets per employee ($millions) | 2.6109% | 7,023 |
| Cash dividends to net income (ytd only)* | 45.9620% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 6,082 |
| Loan loss allowance to noncurrent loans | 72.5256% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.8832% | 2,433 |
| Noncurrent loans to loans | 1.4630% | 4,477 |
| Net loans and leases to total assets | 46.7043% | 6,919 |
| Net loans and leases to deposits | 56.1415% | 6,915 |
| Net loans and leases to core deposits | 72.2885% | 6,640 |
| Total domestic deposits to total assets | 83.1903% | 4,431 |
| Equity capital to assets | 16.1249% | 683 |
| Core capital (leverage) ratio | 15.5922% | 680 |
| Tier 1 risk-based capital ratio | 26.3042% | 742 |
| Total risk-based capital ratio | 27.1296% | 758 |
| Memoranda: | ||
| Average total assets | $173,829,000 | 3,537 |
| Average earning assets | $155,801,400 | 3,599 |
| Average equity | $26,682,200 | 2,474 |
| Average total loans | $80,368,400 | 4,495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8323% | 2,744 |
| Cost of funding earning assets | 1.7054% | 4,869 |
| Net interest margin | 4.1269% | 2,298 |
| Noninterest income to average assets | 0.9386% | 1,821 |
| Noninterest expense to average assets | 3.9894% | 1,289 |
| Loan and lease loss provision to assets | 0.1372% | 5,979 |
| Net operating income to assets | 0.4364% | 4,251 |
| Return on assets (ROA) | 0.3454% | 4,715 |
| Pretax return on assets | 0.4125% | 4,765 |
| Return on Equity (ROE) | 2.2782% | 5,070 |
| Retained earnings to average equity (ytd only) | 0.3319% | 5,062 |
| Net charge-offs to loans | 0.4857% | 3,285 |
| Credit loss provision to net charge-offs | 61.4334% | 6,149 |
| Earnings coverage of net charge-offs (x) | 2.9454% | 3,756 |
| Efficiency ratio | 85.8409% | 2,077 |
| Assets per employee ($millions) | 2.6081% | 7,031 |
| Cash dividends to net income (ytd only)* | 85.4316% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 6,159 |
| Loan loss allowance to noncurrent loans | 60.0540% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.8527% | 2,438 |
| Noncurrent loans to loans | 1.7003% | 4,091 |
| Net loans and leases to total assets | 49.3694% | 6,837 |
| Net loans and leases to deposits | 60.5568% | 6,783 |
| Net loans and leases to core deposits | 83.2917% | 6,092 |
| Total domestic deposits to total assets | 81.5258% | 4,867 |
| Equity capital to assets | 15.6662% | 857 |
| Core capital (leverage) ratio | 15.2495% | 811 |
| Tier 1 risk-based capital ratio | 26.4572% | 789 |
| Total risk-based capital ratio | 27.3389% | 798 |
| Memoranda: | ||
| Average total assets | $174,859,750 | 3,535 |
| Average earning assets | $157,144,000 | 3,595 |
| Average equity | $26,511,500 | 2,504 |
| Average total loans | $80,433,000 | 4,539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7652% | 3,217 |
| Cost of funding earning assets | 1.7972% | 4,776 |
| Net interest margin | 3.9680% | 2,837 |
| Noninterest income to average assets | 0.7890% | 2,468 |
| Noninterest expense to average assets | 4.0801% | 1,215 |
| Loan and lease loss provision to assets | 0.1372% | 5,707 |
| Net operating income to assets | 0.1215% | 5,498 |
| Return on assets (ROA) | 0.1772% | 5,434 |
| Pretax return on assets | 0.1921% | 5,489 |
| Return on Equity (ROE) | 1.1822% | 5,580 |
| Retained earnings to average equity (ytd only) | -1.7694% | 5,688 |
| Net charge-offs to loans | 0.6855% | 2,331 |
| Credit loss provision to net charge-offs | 44.7761% | 5,831 |
| Earnings coverage of net charge-offs (x) | 0.8769% | 4,875 |
| Efficiency ratio | 93.8207% | 1,509 |
| Assets per employee ($millions) | 2.5670% | 7,121 |
| Cash dividends to net income (ytd only)* | 249.6774% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 6,062 |
| Loan loss allowance to noncurrent loans | 101.4235% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 2.5344% | 2,540 |
| Noncurrent loans to loans | 1.0082% | 5,190 |
| Net loans and leases to total assets | 47.4100% | 7,083 |
| Net loans and leases to deposits | 56.5493% | 7,124 |
| Net loans and leases to core deposits | 74.0641% | 6,789 |
| Total domestic deposits to total assets | 83.8384% | 3,852 |
| Equity capital to assets | 14.9631% | 1,037 |
| Core capital (leverage) ratio | 14.9874% | 925 |
| Tier 1 risk-based capital ratio | 26.4552% | 819 |
| Total risk-based capital ratio | 27.3120% | 829 |
| Memoranda: | ||
| Average total assets | $174,897,670 | 3,557 |
| Average earning assets | $156,906,670 | 3,615 |
| Average equity | $26,223,330 | 2,540 |
| Average total loans | $78,190,330 | 4,647 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 3,024 |
| Cost of funding earning assets | 1.8720% | 4,779 |
| Net interest margin | 3.9815% | 2,720 |
| Noninterest income to average assets | 1.0579% | 1,328 |
| Noninterest expense to average assets | 4.1469% | 1,001 |
| Loan and lease loss provision to assets | 0.1371% | 5,207 |
| Net operating income to assets | 0.3247% | 5,189 |
| Return on assets (ROA) | 0.4410% | 4,861 |
| Pretax return on assets | 0.4570% | 5,218 |
| Return on Equity (ROE) | 2.9381% | 5,397 |
| Retained earnings to average equity (ytd only) | -2.9533% | 6,271 |
| Net charge-offs to loans | 0.1378% | 3,857 |
| Credit loss provision to net charge-offs | 230.7692% | 1,980 |
| Earnings coverage of net charge-offs (x) | 7.9615% | 2,262 |
| Efficiency ratio | 89.7626% | 1,738 |
| Assets per employee ($millions) | 3.0389% | 6,050 |
| Cash dividends to net income (ytd only)* | 200.5181% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 3,745 |
| Loan loss allowance to noncurrent loans | 59.0211% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.6370% | 2,177 |
| Noncurrent loans to loans | 2.3006% | 2,858 |
| Net loans and leases to total assets | 42.0160% | 7,465 |
| Net loans and leases to deposits | 49.7129% | 7,509 |
| Net loans and leases to core deposits | 64.6941% | 7,290 |
| Total domestic deposits to total assets | 84.5172% | 3,453 |
| Equity capital to assets | 14.8631% | 1,142 |
| Core capital (leverage) ratio | 15.1446% | 936 |
| Tier 1 risk-based capital ratio | 26.3527% | 862 |
| Total risk-based capital ratio | 27.3861% | 864 |
| Memoranda: | ||
| Average total assets | $175,068,500 | 3,576 |
| Average earning assets | $156,625,500 | 3,635 |
| Average equity | $26,275,500 | 2,545 |
| Average total loans | $75,479,500 | 4,782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4105% | 3,359 |
| Cost of funding earning assets | 2.2429% | 5,405 |
| Net interest margin | 4.1676% | 2,443 |
| Noninterest income to average assets | 1.3549% | 784 |
| Noninterest expense to average assets | 4.0337% | 1,367 |
| Loan and lease loss provision to assets | 0.0872% | 6,292 |
| Net operating income to assets | 1.0404% | 2,401 |
| Return on assets (ROA) | 0.5109% | 4,533 |
| Pretax return on assets | 0.4952% | 4,984 |
| Return on Equity (ROE) | 3.3484% | 5,098 |
| Retained earnings to average equity (ytd only) | 1.9237% | 4,036 |
| Net charge-offs to loans | 0.5010% | 2,361 |
| Credit loss provision to net charge-offs | 37.2208% | 6,472 |
| Earnings coverage of net charge-offs (x) | 4.7469% | 3,876 |
| Efficiency ratio | 78.3915% | 2,855 |
| Assets per employee ($millions) | 2.4406% | 7,326 |
| Cash dividends to net income (ytd only)* | 42.5484% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 3,504 |
| Loan loss allowance to noncurrent loans | 102.1385% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.4859% | 1,957 |
| Noncurrent loans to loans | 1.3165% | 3,880 |
| Net loans and leases to total assets | 43.0728% | 7,527 |
| Net loans and leases to deposits | 51.2491% | 7,570 |
| Net loans and leases to core deposits | 69.2138% | 7,234 |
| Total domestic deposits to total assets | 84.0460% | 3,303 |
| Equity capital to assets | 15.1615% | 1,120 |
| Core capital (leverage) ratio | 15.8909% | 847 |
| Tier 1 risk-based capital ratio | 28.4142% | 740 |
| Total risk-based capital ratio | 29.4840% | 731 |
| Memoranda: | ||
| Average total assets | $172,048,400 | 3,516 |
| Average earning assets | $156,493,000 | 3,544 |
| Average equity | $26,251,600 | 2,532 |
| Average total loans | $80,442,000 | 4,504 |