Home > Bank of the Flint Hills > Performance and Condition Ratios
Bank of the Flint Hills, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2028% | 1,654 |
| Cost of funding earning assets | 1.7098% | 1,429 |
| Net interest margin | 3.4930% | 2,199 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.5307% | 2,214 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0609% | 2,040 |
| Return on assets (ROA) | 1.0636% | 1,998 |
| Pretax return on assets | 1.1077% | 2,396 |
| Return on Equity (ROE) | 14.4500% | 1,392 |
| Retained earnings to average equity (ytd only) | 7.9000% | 1,573 |
| Net charge-offs to loans | 0.1437% | 710 |
| Credit loss provision to net charge-offs | 94.1423% | 1,912 |
| Earnings coverage of net charge-offs (x) | 10.8870% | 2,218 |
| Efficiency ratio | 67.5802% | 2,160 |
| Assets per employee ($millions) | 5.9335% | 2,876 |
| Cash dividends to net income (ytd only)* | 45.3234% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,290 |
| Loan loss allowance to noncurrent loans | 142.3253% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 828 |
| Noncurrent loans to loans | 0.8436% | 911 |
| Net loans and leases to total assets | 75.9300% | 1,124 |
| Net loans and leases to deposits | 86.6077% | 1,567 |
| Net loans and leases to core deposits | 93.4629% | 1,808 |
| Total domestic deposits to total assets | 87.6800% | 1,458 |
| Equity capital to assets | 7.7321% | 3,587 |
| Core capital (leverage) ratio | 8.9712% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6003% | 2,692 |
| Memoranda: | ||
| Average total assets | $430,243,200 | 1,919 |
| Average earning assets | $396,363,400 | 1,921 |
| Average equity | $31,671,000 | 2,194 |
| Average total loans | $332,724,400 | 1,673 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 1,656 |
| Cost of funding earning assets | 1.6150% | 1,347 |
| Net interest margin | 3.4717% | 2,272 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.5293% | 2,135 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0554% | 2,201 |
| Return on assets (ROA) | 1.0653% | 2,155 |
| Pretax return on assets | 1.1099% | 2,540 |
| Return on Equity (ROE) | 14.6600% | 1,514 |
| Retained earnings to average equity (ytd only) | 8.3853% | 1,845 |
| Net charge-offs to loans | -0.0193% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0168% | 2,015 |
| Assets per employee ($millions) | 6.0304% | 2,728 |
| Cash dividends to net income (ytd only)* | 42.8070% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 1,786 |
| Loan loss allowance to noncurrent loans | 133.6267% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 425 |
| Noncurrent loans to loans | 0.9857% | 829 |
| Net loans and leases to total assets | 75.9700% | 1,127 |
| Net loans and leases to deposits | 90.1840% | 1,227 |
| Net loans and leases to core deposits | 96.7437% | 1,519 |
| Total domestic deposits to total assets | 84.2400% | 2,705 |
| Equity capital to assets | 7.1838% | 3,521 |
| Core capital (leverage) ratio | 8.7692% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3821% | 2,756 |
| Memoranda: | ||
| Average total assets | $428,034,000 | 1,926 |
| Average earning assets | $394,302,000 | 1,927 |
| Average equity | $31,101,250 | 2,205 |
| Average total loans | $331,539,500 | 1,675 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 1,765 |
| Cost of funding earning assets | 1.4426% | 1,360 |
| Net interest margin | 3.4559% | 2,373 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.4808% | 2,262 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1113% | 2,093 |
| Return on assets (ROA) | 1.1221% | 2,054 |
| Pretax return on assets | 1.1662% | 2,460 |
| Return on Equity (ROE) | 15.3800% | 1,393 |
| Retained earnings to average equity (ytd only) | 5.9605% | 2,635 |
| Net charge-offs to loans | -0.0248% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.6498% | 2,157 |
| Assets per employee ($millions) | 5.7537% | 2,921 |
| Cash dividends to net income (ytd only)* | 61.2552% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,138 |
| Loan loss allowance to noncurrent loans | 133.2093% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 404 |
| Noncurrent loans to loans | 0.9445% | 803 |
| Net loans and leases to total assets | 77.1000% | 929 |
| Net loans and leases to deposits | 95.3895% | 767 |
| Net loans and leases to core deposits | 101.2480% | 1,172 |
| Total domestic deposits to total assets | 80.8300% | 3,454 |
| Equity capital to assets | 7.2151% | 3,681 |
| Core capital (leverage) ratio | 8.6223% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1442% | 2,827 |
| Memoranda: | ||
| Average total assets | $425,983,333 | 1,931 |
| Average earning assets | $393,582,333 | 1,934 |
| Average equity | $31,071,333 | 2,216 |
| Average total loans | $330,629,000 | 1,670 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 1,930 |
| Cost of funding earning assets | 1.2231% | 1,396 |
| Net interest margin | 3.4451% | 2,518 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.5237% | 2,183 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1347% | 2,113 |
| Return on assets (ROA) | 1.1458% | 2,051 |
| Pretax return on assets | 1.1829% | 2,470 |
| Return on Equity (ROE) | 15.6200% | 1,437 |
| Retained earnings to average equity (ytd only) | 3.9958% | 3,269 |
| Net charge-offs to loans | -0.0504% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.9277% | 2,097 |
| Assets per employee ($millions) | 5.9594% | 2,800 |
| Cash dividends to net income (ytd only)* | 74.4186% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,122 |
| Loan loss allowance to noncurrent loans | 131.7839% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 346 |
| Noncurrent loans to loans | 0.9724% | 762 |
| Net loans and leases to total assets | 76.4000% | 937 |
| Net loans and leases to deposits | 92.4619% | 887 |
| Net loans and leases to core deposits | 95.6788% | 1,304 |
| Total domestic deposits to total assets | 82.6200% | 3,375 |
| Equity capital to assets | 7.3935% | 3,622 |
| Core capital (leverage) ratio | 8.6363% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2712% | 2,907 |
| Memoranda: | ||
| Average total assets | $420,335,000 | 1,975 |
| Average earning assets | $390,473,000 | 1,971 |
| Average equity | $30,832,000 | 2,258 |
| Average total loans | $325,215,000 | 1,703 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 1,475 |
| Cost of funding earning assets | 0.5476% | 1,118 |
| Net interest margin | 3.5546% | 1,771 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.5029% | 2,104 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.0527% | 2,365 |
| Return on assets (ROA) | 1.0542% | 2,306 |
| Pretax return on assets | 1.0904% | 2,803 |
| Return on Equity (ROE) | 13.5100% | 1,652 |
| Retained earnings to average equity (ytd only) | 5.6769% | 2,759 |
| Net charge-offs to loans | -0.0118% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3657% | 2,172 |
| Assets per employee ($millions) | 5.7994% | 2,950 |
| Cash dividends to net income (ytd only)* | 57.9934% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,079 |
| Loan loss allowance to noncurrent loans | 868.0851% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 1,059 |
| Noncurrent loans to loans | 0.1455% | 2,786 |
| Net loans and leases to total assets | 76.3800% | 973 |
| Net loans and leases to deposits | 96.5680% | 607 |
| Net loans and leases to core deposits | 98.5693% | 1,078 |
| Total domestic deposits to total assets | 79.0900% | 3,993 |
| Equity capital to assets | 7.2759% | 3,502 |
| Core capital (leverage) ratio | 8.6477% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5505% | 2,852 |
| Memoranda: | ||
| Average total assets | $399,928,800 | 2,029 |
| Average earning assets | $372,001,600 | 2,018 |
| Average equity | $31,196,800 | 2,286 |
| Average total loans | $297,373,800 | 1,731 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 1,403 |
| Cost of funding earning assets | 0.4485% | 986 |
| Net interest margin | 3.4820% | 1,716 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.4339% | 2,208 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0424% | 2,314 |
| Return on assets (ROA) | 1.0443% | 2,269 |
| Pretax return on assets | 1.0770% | 2,789 |
| Return on Equity (ROE) | 13.1500% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.3246% | 2,987 |
| Net charge-offs to loans | -0.0165% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.4057% | 2,225 |
| Assets per employee ($millions) | 5.7741% | 2,959 |
| Cash dividends to net income (ytd only)* | 59.5223% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,449 |
| Loan loss allowance to noncurrent loans | 179.6904% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 1,048 |
| Noncurrent loans to loans | 0.6762% | 1,204 |
| Net loans and leases to total assets | 75.9800% | 915 |
| Net loans and leases to deposits | 91.4179% | 798 |
| Net loans and leases to core deposits | 93.1796% | 1,137 |
| Total domestic deposits to total assets | 83.1100% | 3,671 |
| Equity capital to assets | 6.9607% | 3,539 |
| Core capital (leverage) ratio | 8.7907% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8791% | 2,853 |
| Memoranda: | ||
| Average total assets | $395,522,250 | 2,061 |
| Average earning assets | $367,711,750 | 2,050 |
| Average equity | $31,400,750 | 2,305 |
| Average total loans | $290,970,000 | 1,760 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 1,410 |
| Cost of funding earning assets | 0.4028% | 898 |
| Net interest margin | 3.3522% | 1,748 |
| Noninterest income to average assets | 0.4151% | 2,662 |
| Noninterest expense to average assets | 2.4356% | 2,129 |
| Loan and lease loss provision to assets | 0.1280% | 759 |
| Net operating income to assets | 0.9577% | 2,322 |
| Return on assets (ROA) | 0.9567% | 2,305 |
| Pretax return on assets | 0.9777% | 2,810 |
| Return on Equity (ROE) | 11.5528% | 1,815 |
| Retained earnings to average equity (ytd only) | 5.2788% | 2,596 |
| Net charge-offs to loans | -0.0382% | 4,136 |
| Credit loss provision to net charge-offs | -462.9630% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6705% | 2,145 |
| Assets per employee ($millions) | 5.3813% | 3,358 |
| Cash dividends to net income (ytd only)* | 54.3071% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,548 |
| Loan loss allowance to noncurrent loans | 169.4844% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 1,037 |
| Noncurrent loans to loans | 0.7246% | 1,191 |
| Net loans and leases to total assets | 74.7062% | 840 |
| Net loans and leases to deposits | 85.2600% | 1,031 |
| Net loans and leases to core deposits | 86.6376% | 1,291 |
| Total domestic deposits to total assets | 87.6217% | 2,725 |
| Equity capital to assets | 7.8166% | 3,252 |
| Core capital (leverage) ratio | 8.9002% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,710,000 | 2,087 |
| Average earning assets | $364,472,667 | 2,083 |
| Average equity | $32,355,667 | 2,303 |
| Average total loans | $282,856,667 | 1,789 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 1,493 |
| Cost of funding earning assets | 0.4164% | 794 |
| Net interest margin | 3.1889% | 1,916 |
| Noninterest income to average assets | 0.4209% | 2,552 |
| Noninterest expense to average assets | 2.4596% | 1,989 |
| Loan and lease loss provision to assets | 0.0770% | 1,067 |
| Net operating income to assets | 0.8531% | 2,478 |
| Return on assets (ROA) | 0.8633% | 2,429 |
| Pretax return on assets | 0.8582% | 2,917 |
| Return on Equity (ROE) | 10.1385% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.0265% | 2,927 |
| Net charge-offs to loans | -0.0885% | 4,424 |
| Credit loss provision to net charge-offs | -122.9508% | 2,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5811% | 1,901 |
| Assets per employee ($millions) | 5.6378% | 3,195 |
| Cash dividends to net income (ytd only)* | 60.2854% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,499 |
| Loan loss allowance to noncurrent loans | 161.3068% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 1,102 |
| Noncurrent loans to loans | 0.7876% | 1,205 |
| Net loans and leases to total assets | 68.5498% | 1,158 |
| Net loans and leases to deposits | 78.0391% | 1,283 |
| Net loans and leases to core deposits | 80.0992% | 1,471 |
| Total domestic deposits to total assets | 87.8403% | 2,602 |
| Equity capital to assets | 8.0803% | 3,505 |
| Core capital (leverage) ratio | 8.8284% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,649,000 | 2,098 |
| Average earning assets | $362,127,000 | 2,103 |
| Average equity | $33,180,500 | 2,322 |
| Average total loans | $275,725,500 | 1,814 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 1,147 |
| Cost of funding earning assets | 0.5352% | 769 |
| Net interest margin | 3.5717% | 1,544 |
| Noninterest income to average assets | 0.6464% | 1,956 |
| Noninterest expense to average assets | 2.2882% | 2,829 |
| Loan and lease loss provision to assets | 0.1784% | 646 |
| Net operating income to assets | 1.4260% | 1,192 |
| Return on assets (ROA) | 1.4666% | 1,150 |
| Pretax return on assets | 1.5324% | 1,616 |
| Return on Equity (ROE) | 16.2161% | 717 |
| Retained earnings to average equity (ytd only) | 6.5318% | 2,113 |
| Net charge-offs to loans | 0.2612% | 343 |
| Credit loss provision to net charge-offs | 94.2335% | 1,856 |
| Earnings coverage of net charge-offs (x) | 8.8143% | 2,286 |
| Efficiency ratio | 57.6033% | 3,506 |
| Assets per employee ($millions) | 5.5746% | 3,191 |
| Cash dividends to net income (ytd only)* | 59.7205% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,861 |
| Loan loss allowance to noncurrent loans | 154.6463% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 1,178 |
| Noncurrent loans to loans | 0.7796% | 1,306 |
| Net loans and leases to total assets | 71.2582% | 905 |
| Net loans and leases to deposits | 82.4971% | 1,017 |
| Net loans and leases to core deposits | 84.7840% | 1,278 |
| Total domestic deposits to total assets | 86.3767% | 2,769 |
| Equity capital to assets | 8.9619% | 3,663 |
| Core capital (leverage) ratio | 9.0142% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,629,600 | 2,084 |
| Average earning assets | $348,121,600 | 2,092 |
| Average equity | $33,972,400 | 2,332 |
| Average total loans | $272,199,400 | 1,828 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 1,099 |
| Cost of funding earning assets | 0.5592% | 791 |
| Net interest margin | 3.6462% | 1,478 |
| Noninterest income to average assets | 0.6742% | 1,912 |
| Noninterest expense to average assets | 2.2261% | 2,990 |
| Loan and lease loss provision to assets | 0.1749% | 610 |
| Net operating income to assets | 1.5829% | 1,072 |
| Return on assets (ROA) | 1.5901% | 1,103 |
| Pretax return on assets | 1.6612% | 1,519 |
| Return on Equity (ROE) | 17.5410% | 682 |
| Retained earnings to average equity (ytd only) | 7.1929% | 2,343 |
| Net charge-offs to loans | 0.1865% | 452 |
| Credit loss provision to net charge-offs | 129.2876% | 1,422 |
| Earnings coverage of net charge-offs (x) | 13.5119% | 1,922 |
| Efficiency ratio | 54.6279% | 3,713 |
| Assets per employee ($millions) | 5.5207% | 3,176 |
| Cash dividends to net income (ytd only)* | 58.9939% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,492 |
| Loan loss allowance to noncurrent loans | 131.4662% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 1,047 |
| Noncurrent loans to loans | 0.9884% | 1,163 |
| Net loans and leases to total assets | 70.7594% | 1,016 |
| Net loans and leases to deposits | 82.8186% | 1,041 |
| Net loans and leases to core deposits | 85.5075% | 1,322 |
| Total domestic deposits to total assets | 85.4390% | 2,969 |
| Equity capital to assets | 9.2060% | 3,651 |
| Core capital (leverage) ratio | 8.8806% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,374,750 | 2,115 |
| Average earning assets | $346,179,750 | 2,122 |
| Average equity | $33,847,500 | 2,373 |
| Average total loans | $270,889,500 | 1,867 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 765 |
| Cost of funding earning assets | 0.5811% | 816 |
| Net interest margin | 3.8868% | 995 |
| Noninterest income to average assets | 0.7008% | 1,806 |
| Noninterest expense to average assets | 2.1309% | 3,301 |
| Loan and lease loss provision to assets | 0.2308% | 450 |
| Net operating income to assets | 1.8603% | 632 |
| Return on assets (ROA) | 1.8685% | 655 |
| Pretax return on assets | 1.9512% | 917 |
| Return on Equity (ROE) | 20.7200% | 408 |
| Retained earnings to average equity (ytd only) | 8.4380% | 1,917 |
| Net charge-offs to loans | 0.0567% | 1,050 |
| Credit loss provision to net charge-offs | 558.4416% | 650 |
| Earnings coverage of net charge-offs (x) | 52.5974% | 1,037 |
| Efficiency ratio | 49.1959% | 4,304 |
| Assets per employee ($millions) | 5.4597% | 3,177 |
| Cash dividends to net income (ytd only)* | 59.2763% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,192 |
| Loan loss allowance to noncurrent loans | 133.4404% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 1,121 |
| Noncurrent loans to loans | 1.0110% | 1,214 |
| Net loans and leases to total assets | 71.5376% | 1,020 |
| Net loans and leases to deposits | 83.4048% | 1,101 |
| Net loans and leases to core deposits | 86.0631% | 1,410 |
| Total domestic deposits to total assets | 85.7716% | 2,814 |
| Equity capital to assets | 8.9419% | 3,840 |
| Core capital (leverage) ratio | 8.9637% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,697,667 | 2,106 |
| Average earning assets | $345,532,000 | 2,111 |
| Average equity | $33,610,000 | 2,371 |
| Average total loans | $271,475,333 | 1,876 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9114% | 406 |
| Cost of funding earning assets | 0.6158% | 818 |
| Net interest margin | 4.2956% | 521 |
| Noninterest income to average assets | 0.7273% | 1,778 |
| Noninterest expense to average assets | 2.6101% | 1,861 |
| Loan and lease loss provision to assets | 0.2935% | 323 |
| Net operating income to assets | 1.7247% | 905 |
| Return on assets (ROA) | 1.7393% | 932 |
| Pretax return on assets | 1.8122% | 1,270 |
| Return on Equity (ROE) | 19.2031% | 605 |
| Retained earnings to average equity (ytd only) | 8.0893% | 2,209 |
| Net charge-offs to loans | 0.0462% | 1,023 |
| Credit loss provision to net charge-offs | 870.9677% | 453 |
| Earnings coverage of net charge-offs (x) | 62.0323% | 809 |
| Efficiency ratio | 55.2266% | 3,646 |
| Assets per employee ($millions) | 5.2984% | 3,338 |
| Cash dividends to net income (ytd only)* | 57.8750% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,364 |
| Loan loss allowance to noncurrent loans | 2,095.3757% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,045 |
| Noncurrent loans to loans | 0.0628% | 3,972 |
| Net loans and leases to total assets | 72.2210% | 987 |
| Net loans and leases to deposits | 84.6214% | 1,083 |
| Net loans and leases to core deposits | 87.1103% | 1,444 |
| Total domestic deposits to total assets | 85.3460% | 2,981 |
| Equity capital to assets | 8.8781% | 3,809 |
| Core capital (leverage) ratio | 8.8124% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,957,500 | 2,111 |
| Average earning assets | $340,350,000 | 2,124 |
| Average equity | $33,328,000 | 2,383 |
| Average total loans | $268,643,000 | 1,882 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 723 |
| Cost of funding earning assets | 0.9499% | 716 |
| Net interest margin | 3.8596% | 1,331 |
| Noninterest income to average assets | 0.8154% | 1,489 |
| Noninterest expense to average assets | 2.7741% | 2,014 |
| Loan and lease loss provision to assets | 0.3400% | 1,031 |
| Net operating income to assets | 1.2020% | 1,550 |
| Return on assets (ROA) | 1.2083% | 1,634 |
| Pretax return on assets | 1.2580% | 2,127 |
| Return on Equity (ROE) | 12.4062% | 1,204 |
| Retained earnings to average equity (ytd only) | 4.0685% | 2,784 |
| Net charge-offs to loans | 0.0429% | 2,200 |
| Credit loss provision to net charge-offs | 1,056.0748% | 755 |
| Earnings coverage of net charge-offs (x) | 49.4299% | 1,213 |
| Efficiency ratio | 63.1953% | 2,944 |
| Assets per employee ($millions) | 4.9278% | 3,468 |
| Cash dividends to net income (ytd only)* | 67.2062% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,448 |
| Loan loss allowance to noncurrent loans | 951.1236% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 3,818 |
| Noncurrent loans to loans | 0.1359% | 3,738 |
| Net loans and leases to total assets | 71.8846% | 1,303 |
| Net loans and leases to deposits | 85.3498% | 1,308 |
| Net loans and leases to core deposits | 88.0835% | 1,687 |
| Total domestic deposits to total assets | 84.2235% | 3,045 |
| Equity capital to assets | 9.2452% | 3,844 |
| Core capital (leverage) ratio | 9.0355% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,362,200 | 2,126 |
| Average earning assets | $305,708,400 | 2,141 |
| Average equity | $32,371,000 | 2,367 |
| Average total loans | $249,691,600 | 1,922 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 615 |
| Cost of funding earning assets | 1.0275% | 695 |
| Net interest margin | 3.9656% | 1,195 |
| Noninterest income to average assets | 0.7811% | 1,573 |
| Noninterest expense to average assets | 2.8516% | 1,821 |
| Loan and lease loss provision to assets | 0.3769% | 978 |
| Net operating income to assets | 1.1573% | 1,798 |
| Return on assets (ROA) | 1.1620% | 1,893 |
| Pretax return on assets | 1.2091% | 2,358 |
| Return on Equity (ROE) | 11.7657% | 1,438 |
| Retained earnings to average equity (ytd only) | 3.8901% | 3,104 |
| Net charge-offs to loans | 0.0530% | 1,847 |
| Credit loss provision to net charge-offs | 938.7755% | 872 |
| Earnings coverage of net charge-offs (x) | 39.3878% | 1,369 |
| Efficiency ratio | 63.9808% | 2,735 |
| Assets per employee ($millions) | 4.7073% | 3,593 |
| Cash dividends to net income (ytd only)* | 66.9369% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,576 |
| Loan loss allowance to noncurrent loans | 612.5000% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 3,660 |
| Noncurrent loans to loans | 0.1986% | 3,595 |
| Net loans and leases to total assets | 75.2571% | 1,197 |
| Net loans and leases to deposits | 90.4268% | 1,229 |
| Net loans and leases to core deposits | 93.4038% | 1,681 |
| Total domestic deposits to total assets | 83.2243% | 3,084 |
| Equity capital to assets | 9.5840% | 3,622 |
| Core capital (leverage) ratio | 9.2948% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,519,750 | 2,139 |
| Average earning assets | $299,737,250 | 2,158 |
| Average equity | $32,149,250 | 2,367 |
| Average total loans | $246,620,000 | 1,940 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 401 |
| Cost of funding earning assets | 1.1087% | 702 |
| Net interest margin | 4.2948% | 762 |
| Noninterest income to average assets | 0.6648% | 1,880 |
| Noninterest expense to average assets | 2.9754% | 1,644 |
| Loan and lease loss provision to assets | 0.5071% | 696 |
| Net operating income to assets | 1.0774% | 2,047 |
| Return on assets (ROA) | 1.0774% | 2,173 |
| Pretax return on assets | 1.1181% | 2,656 |
| Return on Equity (ROE) | 10.7941% | 1,707 |
| Retained earnings to average equity (ytd only) | 5.6385% | 2,217 |
| Net charge-offs to loans | 0.0356% | 2,027 |
| Credit loss provision to net charge-offs | 1,883.7209% | 503 |
| Earnings coverage of net charge-offs (x) | 60.3721% | 964 |
| Efficiency ratio | 64.3353% | 2,775 |
| Assets per employee ($millions) | 4.5089% | 3,779 |
| Cash dividends to net income (ytd only)* | 47.7629% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,536 |
| Loan loss allowance to noncurrent loans | 598.4704% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,642 |
| Noncurrent loans to loans | 0.2000% | 3,660 |
| Net loans and leases to total assets | 75.4118% | 1,213 |
| Net loans and leases to deposits | 90.9520% | 1,273 |
| Net loans and leases to core deposits | 93.8962% | 1,751 |
| Total domestic deposits to total assets | 82.9138% | 3,108 |
| Equity capital to assets | 9.6017% | 3,561 |
| Core capital (leverage) ratio | 9.3189% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,481,667 | 2,150 |
| Average earning assets | $292,774,333 | 2,172 |
| Average equity | $31,887,667 | 2,365 |
| Average total loans | $241,562,000 | 1,951 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 1,448 |
| Cost of funding earning assets | 1.2482% | 658 |
| Net interest margin | 3.5424% | 2,841 |
| Noninterest income to average assets | 0.6652% | 1,787 |
| Noninterest expense to average assets | 2.9232% | 2,063 |
| Loan and lease loss provision to assets | 0.2079% | 1,475 |
| Net operating income to assets | 0.7452% | 3,112 |
| Return on assets (ROA) | 0.7263% | 3,268 |
| Pretax return on assets | 0.7483% | 3,550 |
| Return on Equity (ROE) | 7.1256% | 2,890 |
| Retained earnings to average equity (ytd only) | 2.2817% | 3,337 |
| Net charge-offs to loans | 0.0259% | 1,850 |
| Credit loss provision to net charge-offs | 1,066.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 50.0667% | 900 |
| Efficiency ratio | 74.5418% | 1,746 |
| Assets per employee ($millions) | 4.0495% | 3,856 |
| Cash dividends to net income (ytd only)* | 67.9785% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,241 |
| Loan loss allowance to noncurrent loans | 643.0769% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,105 |
| Noncurrent loans to loans | 0.1701% | 3,856 |
| Net loans and leases to total assets | 72.7403% | 1,815 |
| Net loans and leases to deposits | 89.3245% | 1,594 |
| Net loans and leases to core deposits | 92.8590% | 2,080 |
| Total domestic deposits to total assets | 81.4338% | 3,564 |
| Equity capital to assets | 10.0536% | 3,725 |
| Core capital (leverage) ratio | 10.0777% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,882,500 | 2,160 |
| Average earning assets | $281,049,000 | 2,192 |
| Average equity | $31,380,000 | 2,382 |
| Average total loans | $231,567,500 | 1,981 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 1,048 |
| Cost of funding earning assets | 1.2896% | 787 |
| Net interest margin | 3.8873% | 2,223 |
| Noninterest income to average assets | 0.6199% | 2,130 |
| Noninterest expense to average assets | 2.9818% | 2,064 |
| Loan and lease loss provision to assets | 0.2261% | 852 |
| Net operating income to assets | 0.9180% | 3,132 |
| Return on assets (ROA) | 0.9180% | 3,209 |
| Pretax return on assets | 0.9416% | 3,628 |
| Return on Equity (ROE) | 9.1367% | 2,691 |
| Retained earnings to average equity (ytd only) | 4.0075% | 2,960 |
| Net charge-offs to loans | 0.2563% | 806 |
| Credit loss provision to net charge-offs | 112.0130% | 2,238 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 3,045 |
| Efficiency ratio | 71.4568% | 1,949 |
| Assets per employee ($millions) | 3.9994% | 3,898 |
| Cash dividends to net income (ytd only)* | 56.1385% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 3,431 |
| Loan loss allowance to noncurrent loans | 537.2727% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 2,507 |
| Noncurrent loans to loans | 0.1882% | 3,777 |
| Net loans and leases to total assets | 76.1466% | 1,385 |
| Net loans and leases to deposits | 94.5103% | 1,106 |
| Net loans and leases to core deposits | 98.4642% | 1,697 |
| Total domestic deposits to total assets | 80.5696% | 3,862 |
| Equity capital to assets | 10.3344% | 3,598 |
| Core capital (leverage) ratio | 10.0337% | 3,479 |
| Tier 1 risk-based capital ratio | 11.3218% | 4,724 |
| Total risk-based capital ratio | 12.1897% | 4,782 |
| Memoranda: | ||
| Average total assets | $305,219,800 | 2,133 |
| Average earning assets | $277,136,400 | 2,166 |
| Average equity | $30,667,400 | 2,353 |
| Average total loans | $240,324,800 | 1,884 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 1,187 |
| Cost of funding earning assets | 1.2615% | 878 |
| Net interest margin | 3.8757% | 2,344 |
| Noninterest income to average assets | 0.5948% | 2,228 |
| Noninterest expense to average assets | 2.9691% | 2,056 |
| Loan and lease loss provision to assets | 0.2138% | 807 |
| Net operating income to assets | 0.9160% | 3,283 |
| Return on assets (ROA) | 0.9160% | 3,366 |
| Pretax return on assets | 0.9339% | 3,782 |
| Return on Equity (ROE) | 9.1814% | 2,812 |
| Retained earnings to average equity (ytd only) | 3.9149% | 3,445 |
| Net charge-offs to loans | 0.1190% | 1,306 |
| Credit loss provision to net charge-offs | 226.8519% | 1,186 |
| Earnings coverage of net charge-offs (x) | 12.1760% | 2,379 |
| Efficiency ratio | 71.7193% | 1,883 |
| Assets per employee ($millions) | 3.9911% | 3,917 |
| Cash dividends to net income (ytd only)* | 57.3605% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,068 |
| Loan loss allowance to noncurrent loans | 131.7061% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 2,063 |
| Noncurrent loans to loans | 0.8292% | 1,911 |
| Net loans and leases to total assets | 76.5283% | 1,390 |
| Net loans and leases to deposits | 95.7830% | 1,042 |
| Net loans and leases to core deposits | 100.9792% | 1,581 |
| Total domestic deposits to total assets | 79.8976% | 4,010 |
| Equity capital to assets | 10.2691% | 3,754 |
| Core capital (leverage) ratio | 10.2223% | 3,398 |
| Tier 1 risk-based capital ratio | 11.3174% | 4,756 |
| Total risk-based capital ratio | 12.2686% | 4,791 |
| Memoranda: | ||
| Average total assets | $305,535,500 | 2,147 |
| Average earning assets | $277,656,500 | 2,177 |
| Average equity | $30,481,250 | 2,376 |
| Average total loans | $241,951,750 | 1,882 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 1,104 |
| Cost of funding earning assets | 1.2288% | 925 |
| Net interest margin | 3.9219% | 2,183 |
| Noninterest income to average assets | 0.5400% | 2,439 |
| Noninterest expense to average assets | 2.9164% | 2,243 |
| Loan and lease loss provision to assets | 0.2416% | 643 |
| Net operating income to assets | 0.9423% | 3,119 |
| Return on assets (ROA) | 0.9423% | 3,187 |
| Pretax return on assets | 0.9482% | 3,715 |
| Return on Equity (ROE) | 9.5378% | 2,613 |
| Retained earnings to average equity (ytd only) | 3.8072% | 3,346 |
| Net charge-offs to loans | 0.1784% | 917 |
| Credit loss provision to net charge-offs | 169.7248% | 1,365 |
| Earnings coverage of net charge-offs (x) | 8.3578% | 2,423 |
| Efficiency ratio | 70.6266% | 2,131 |
| Assets per employee ($millions) | 4.0147% | 3,845 |
| Cash dividends to net income (ytd only)* | 60.0832% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,570 |
| Loan loss allowance to noncurrent loans | 136.5213% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 2,239 |
| Noncurrent loans to loans | 0.7391% | 2,145 |
| Net loans and leases to total assets | 78.4887% | 1,126 |
| Net loans and leases to deposits | 101.9398% | 545 |
| Net loans and leases to core deposits | 107.1062% | 1,167 |
| Total domestic deposits to total assets | 76.9951% | 4,559 |
| Equity capital to assets | 10.0764% | 3,910 |
| Core capital (leverage) ratio | 10.0054% | 3,575 |
| Tier 1 risk-based capital ratio | 10.9707% | 4,922 |
| Total risk-based capital ratio | 11.8600% | 4,979 |
| Memoranda: | ||
| Average total assets | $306,271,670 | 2,149 |
| Average earning assets | $278,486,670 | 2,176 |
| Average equity | $30,258,670 | 2,388 |
| Average total loans | $244,371,000 | 1,875 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 879 |
| Cost of funding earning assets | 1.1892% | 933 |
| Net interest margin | 4.0272% | 1,773 |
| Noninterest income to average assets | 0.5188% | 2,443 |
| Noninterest expense to average assets | 2.9265% | 2,194 |
| Loan and lease loss provision to assets | 0.3259% | 379 |
| Net operating income to assets | 0.9490% | 3,053 |
| Return on assets (ROA) | 0.9490% | 3,096 |
| Pretax return on assets | 0.9216% | 3,694 |
| Return on Equity (ROE) | 9.7017% | 2,490 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,319 |
| Net charge-offs to loans | 0.0945% | 1,191 |
| Credit loss provision to net charge-offs | 431.0345% | 661 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,696 |
| Efficiency ratio | 69.7064% | 2,391 |
| Assets per employee ($millions) | 4.0362% | 3,867 |
| Cash dividends to net income (ytd only)* | 58.9286% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,674 |
| Loan loss allowance to noncurrent loans | 126.7109% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 2,133 |
| Noncurrent loans to loans | 0.7928% | 2,052 |
| Net loans and leases to total assets | 80.7693% | 748 |
| Net loans and leases to deposits | 104.4903% | 379 |
| Net loans and leases to core deposits | 110.2827% | 916 |
| Total domestic deposits to total assets | 77.2984% | 4,621 |
| Equity capital to assets | 10.0061% | 3,818 |
| Core capital (leverage) ratio | 9.9398% | 3,665 |
| Tier 1 risk-based capital ratio | 10.7138% | 5,105 |
| Total risk-based capital ratio | 11.6051% | 5,137 |
| Memoranda: | ||
| Average total assets | $306,848,500 | 2,155 |
| Average earning assets | $278,503,500 | 2,188 |
| Average equity | $30,015,500 | 2,410 |
| Average total loans | $245,594,500 | 1,888 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 1,182 |
| Cost of funding earning assets | 0.8863% | 1,148 |
| Net interest margin | 4.0538% | 1,810 |
| Noninterest income to average assets | 0.5642% | 2,472 |
| Noninterest expense to average assets | 3.1214% | 1,744 |
| Loan and lease loss provision to assets | 0.1358% | 1,589 |
| Net operating income to assets | 0.9560% | 3,194 |
| Return on assets (ROA) | 0.9560% | 3,194 |
| Pretax return on assets | 0.9885% | 3,645 |
| Return on Equity (ROE) | 9.8162% | 2,595 |
| Retained earnings to average equity (ytd only) | -19.3704% | 5,370 |
| Net charge-offs to loans | 0.0726% | 2,082 |
| Credit loss provision to net charge-offs | 235.7143% | 1,256 |
| Earnings coverage of net charge-offs (x) | 19.5143% | 2,057 |
| Efficiency ratio | 73.2383% | 1,724 |
| Assets per employee ($millions) | 4.1464% | 3,690 |
| Cash dividends to net income (ytd only)* | 297.3310% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,006 |
| Loan loss allowance to noncurrent loans | 90.8694% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 1,722 |
| Noncurrent loans to loans | 1.0315% | 1,592 |
| Net loans and leases to total assets | 77.7917% | 1,303 |
| Net loans and leases to deposits | 104.1296% | 475 |
| Net loans and leases to core deposits | 117.5654% | 630 |
| Total domestic deposits to total assets | 74.7067% | 4,902 |
| Equity capital to assets | 9.5635% | 4,075 |
| Core capital (leverage) ratio | 10.1561% | 3,402 |
| Tier 1 risk-based capital ratio | 10.0798% | 5,288 |
| Total risk-based capital ratio | 10.8617% | 5,335 |
| Memoranda: | ||
| Average total assets | $243,002,000 | 2,524 |
| Average earning assets | $220,681,200 | 2,558 |
| Average equity | $23,665,000 | 2,761 |
| Average total loans | $192,922,400 | 2,224 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 1,236 |
| Cost of funding earning assets | 0.8266% | 1,211 |
| Net interest margin | 4.0444% | 1,807 |
| Noninterest income to average assets | 0.5209% | 2,736 |
| Noninterest expense to average assets | 3.1798% | 1,576 |
| Loan and lease loss provision to assets | 0.1239% | 1,620 |
| Net operating income to assets | 0.8831% | 3,609 |
| Return on assets (ROA) | 0.8831% | 3,612 |
| Pretax return on assets | 0.9061% | 4,003 |
| Return on Equity (ROE) | 9.0127% | 3,078 |
| Retained earnings to average equity (ytd only) | -32.5709% | 5,458 |
| Net charge-offs to loans | 0.1155% | 1,353 |
| Credit loss provision to net charge-offs | 134.6154% | 1,849 |
| Earnings coverage of net charge-offs (x) | 11.1926% | 2,532 |
| Efficiency ratio | 75.3223% | 1,429 |
| Assets per employee ($millions) | 4.0425% | 3,816 |
| Cash dividends to net income (ytd only)* | 461.3893% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,081 |
| Loan loss allowance to noncurrent loans | 303.6671% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,718 |
| Noncurrent loans to loans | 0.3099% | 3,559 |
| Net loans and leases to total assets | 78.9478% | 1,178 |
| Net loans and leases to deposits | 97.0096% | 1,040 |
| Net loans and leases to core deposits | 109.8887% | 1,041 |
| Total domestic deposits to total assets | 81.3814% | 3,768 |
| Equity capital to assets | 10.0192% | 3,629 |
| Core capital (leverage) ratio | 9.7225% | 3,923 |
| Tier 1 risk-based capital ratio | 10.2460% | 5,313 |
| Total risk-based capital ratio | 11.0146% | 5,383 |
| Memoranda: | ||
| Average total assets | $226,006,750 | 2,656 |
| Average earning assets | $206,141,000 | 2,682 |
| Average equity | $22,146,000 | 2,904 |
| Average total loans | $180,101,000 | 2,341 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 1,431 |
| Cost of funding earning assets | 0.7914% | 1,165 |
| Net interest margin | 3.9377% | 2,076 |
| Noninterest income to average assets | 0.4775% | 2,991 |
| Noninterest expense to average assets | 3.1624% | 1,628 |
| Loan and lease loss provision to assets | 0.1167% | 1,699 |
| Net operating income to assets | 0.7828% | 3,915 |
| Return on assets (ROA) | 0.7828% | 3,914 |
| Pretax return on assets | 0.7935% | 4,263 |
| Return on Equity (ROE) | 8.0733% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.9944% | 3,078 |
| Net charge-offs to loans | -0.1318% | 5,243 |
| Credit loss provision to net charge-offs | -111.1111% | 4,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5072% | 1,247 |
| Assets per employee ($millions) | 3.8654% | 4,109 |
| Cash dividends to net income (ytd only)* | 38.1366% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,791 |
| Loan loss allowance to noncurrent loans | 206.1116% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,604 |
| Noncurrent loans to loans | 0.6738% | 2,418 |
| Net loans and leases to total assets | 79.1546% | 1,144 |
| Net loans and leases to deposits | 103.6005% | 548 |
| Net loans and leases to core deposits | 122.1696% | 513 |
| Total domestic deposits to total assets | 76.4037% | 4,820 |
| Equity capital to assets | 9.6511% | 3,966 |
| Core capital (leverage) ratio | 10.2275% | 3,326 |
| Tier 1 risk-based capital ratio | 10.3838% | 5,320 |
| Total risk-based capital ratio | 11.5883% | 5,241 |
| Memoranda: | ||
| Average total assets | $205,669,000 | 2,848 |
| Average earning assets | $187,776,330 | 2,883 |
| Average equity | $19,942,330 | 3,138 |
| Average total loans | $163,885,000 | 2,518 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,269 |
| Cost of funding earning assets | 0.7826% | 1,029 |
| Net interest margin | 3.9347% | 1,912 |
| Noninterest income to average assets | 0.4350% | 3,203 |
| Noninterest expense to average assets | 3.1528% | 1,683 |
| Loan and lease loss provision to assets | 0.1176% | 1,607 |
| Net operating income to assets | 0.7505% | 3,908 |
| Return on assets (ROA) | 0.7505% | 3,908 |
| Pretax return on assets | 0.7407% | 4,322 |
| Return on Equity (ROE) | 7.7214% | 3,499 |
| Retained earnings to average equity (ytd only) | 4.3748% | 3,437 |
| Net charge-offs to loans | -0.3456% | 5,466 |
| Credit loss provision to net charge-offs | -42.8571% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4563% | 1,310 |
| Assets per employee ($millions) | 3.9006% | 4,151 |
| Cash dividends to net income (ytd only)* | 43.3420% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 1,753 |
| Loan loss allowance to noncurrent loans | 276.6546% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 3,192 |
| Noncurrent loans to loans | 0.5143% | 2,975 |
| Net loans and leases to total assets | 78.5285% | 1,155 |
| Net loans and leases to deposits | 106.0770% | 378 |
| Net loans and leases to core deposits | 123.5311% | 489 |
| Total domestic deposits to total assets | 74.0297% | 5,154 |
| Equity capital to assets | 9.8066% | 3,785 |
| Core capital (leverage) ratio | 10.1799% | 3,327 |
| Tier 1 risk-based capital ratio | 10.6707% | 5,292 |
| Total risk-based capital ratio | 11.9112% | 5,197 |
| Memoranda: | ||
| Average total assets | $204,137,500 | 2,897 |
| Average earning assets | $185,526,500 | 2,937 |
| Average equity | $19,841,000 | 3,174 |
| Average total loans | $162,053,500 | 2,550 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,333 |
| Cost of funding earning assets | 0.7544% | 805 |
| Net interest margin | 3.8860% | 2,129 |
| Noninterest income to average assets | 0.4774% | 3,145 |
| Noninterest expense to average assets | 2.9106% | 2,419 |
| Loan and lease loss provision to assets | 0.1118% | 2,029 |
| Net operating income to assets | 0.9467% | 2,467 |
| Return on assets (ROA) | 0.9467% | 2,492 |
| Pretax return on assets | 0.9876% | 3,625 |
| Return on Equity (ROE) | 9.5663% | 2,071 |
| Retained earnings to average equity (ytd only) | 5.2424% | 1,972 |
| Net charge-offs to loans | 0.2517% | 1,040 |
| Credit loss provision to net charge-offs | 57.0313% | 3,250 |
| Earnings coverage of net charge-offs (x) | 5.6068% | 3,301 |
| Efficiency ratio | 72.5073% | 2,144 |
| Assets per employee ($millions) | 3.9508% | 4,046 |
| Cash dividends to net income (ytd only)* | 45.1996% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,260 |
| Loan loss allowance to noncurrent loans | 307.7713% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 3,539 |
| Noncurrent loans to loans | 0.4196% | 3,271 |
| Net loans and leases to total assets | 78.0888% | 1,278 |
| Net loans and leases to deposits | 108.8038% | 297 |
| Net loans and leases to core deposits | 120.8106% | 563 |
| Total domestic deposits to total assets | 71.7703% | 5,334 |
| Equity capital to assets | 9.6333% | 4,107 |
| Core capital (leverage) ratio | 10.1309% | 3,270 |
| Tier 1 risk-based capital ratio | 10.7255% | 5,286 |
| Total risk-based capital ratio | 11.8767% | 5,223 |
| Memoranda: | ||
| Average total assets | $195,837,400 | 2,961 |
| Average earning assets | $178,022,400 | 2,980 |
| Average equity | $19,380,600 | 3,208 |
| Average total loans | $152,576,600 | 2,627 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 1,387 |
| Cost of funding earning assets | 0.7631% | 711 |
| Net interest margin | 3.8304% | 2,285 |
| Noninterest income to average assets | 0.4825% | 3,134 |
| Noninterest expense to average assets | 2.8867% | 2,456 |
| Loan and lease loss provision to assets | 0.1096% | 1,945 |
| Net operating income to assets | 0.9333% | 2,862 |
| Return on assets (ROA) | 0.9333% | 2,922 |
| Pretax return on assets | 0.9739% | 3,790 |
| Return on Equity (ROE) | 9.3645% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.0903% | 2,818 |
| Net charge-offs to loans | 0.4833% | 425 |
| Credit loss provision to net charge-offs | 29.2279% | 3,086 |
| Earnings coverage of net charge-offs (x) | 2.8897% | 3,413 |
| Efficiency ratio | 72.6563% | 2,108 |
| Assets per employee ($millions) | 3.8634% | 4,214 |
| Cash dividends to net income (ytd only)* | 45.6425% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,989 |
| Loan loss allowance to noncurrent loans | 265.7709% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,629 |
| Noncurrent loans to loans | 0.4477% | 3,362 |
| Net loans and leases to total assets | 77.6619% | 1,320 |
| Net loans and leases to deposits | 104.0015% | 497 |
| Net loans and leases to core deposits | 115.2577% | 779 |
| Total domestic deposits to total assets | 74.6738% | 5,166 |
| Equity capital to assets | 9.7766% | 4,169 |
| Core capital (leverage) ratio | 9.9684% | 3,605 |
| Tier 1 risk-based capital ratio | 10.4871% | 5,454 |
| Total risk-based capital ratio | 11.5096% | 5,471 |
| Memoranda: | ||
| Average total assets | $193,436,000 | 3,010 |
| Average earning assets | $176,128,750 | 3,029 |
| Average equity | $19,278,000 | 3,245 |
| Average total loans | $150,089,000 | 2,673 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 1,325 |
| Cost of funding earning assets | 0.7654% | 631 |
| Net interest margin | 3.8051% | 2,269 |
| Noninterest income to average assets | 0.4839% | 3,122 |
| Noninterest expense to average assets | 2.8573% | 2,552 |
| Loan and lease loss provision to assets | 0.1037% | 1,952 |
| Net operating income to assets | 0.9238% | 2,787 |
| Return on assets (ROA) | 0.9238% | 2,845 |
| Pretax return on assets | 0.9751% | 3,658 |
| Return on Equity (ROE) | 9.2081% | 2,411 |
| Retained earnings to average equity (ytd only) | 4.9277% | 2,759 |
| Net charge-offs to loans | 0.6835% | 284 |
| Credit loss provision to net charge-offs | 19.6429% | 2,790 |
| Earnings coverage of net charge-offs (x) | 2.0437% | 3,216 |
| Efficiency ratio | 72.5918% | 2,250 |
| Assets per employee ($millions) | 3.8594% | 4,187 |
| Cash dividends to net income (ytd only)* | 46.4853% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,754 |
| Loan loss allowance to noncurrent loans | 256.0606% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 3,674 |
| Noncurrent loans to loans | 0.4844% | 3,296 |
| Net loans and leases to total assets | 73.7553% | 1,917 |
| Net loans and leases to deposits | 93.0515% | 1,355 |
| Net loans and leases to core deposits | 105.4072% | 1,271 |
| Total domestic deposits to total assets | 79.2628% | 4,570 |
| Equity capital to assets | 9.6742% | 4,253 |
| Core capital (leverage) ratio | 10.1129% | 3,388 |
| Tier 1 risk-based capital ratio | 11.0065% | 5,247 |
| Total risk-based capital ratio | 12.0832% | 5,254 |
| Memoranda: | ||
| Average total assets | $190,948,330 | 3,049 |
| Average earning assets | $173,240,000 | 3,070 |
| Average equity | $19,157,000 | 3,256 |
| Average total loans | $147,485,000 | 2,700 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 1,259 |
| Cost of funding earning assets | 0.7594% | 618 |
| Net interest margin | 3.7901% | 2,149 |
| Noninterest income to average assets | 0.4041% | 3,630 |
| Noninterest expense to average assets | 2.8741% | 2,538 |
| Loan and lease loss provision to assets | 0.0838% | 2,140 |
| Net operating income to assets | 0.8770% | 2,871 |
| Return on assets (ROA) | 0.8770% | 2,926 |
| Pretax return on assets | 0.9222% | 3,684 |
| Return on Equity (ROE) | 8.5768% | 2,625 |
| Retained earnings to average equity (ytd only) | 4.6248% | 3,104 |
| Net charge-offs to loans | -0.0027% | 4,048 |
| Credit loss provision to net charge-offs | -3,900.0000% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0720% | 2,221 |
| Assets per employee ($millions) | 3.8849% | 4,206 |
| Cash dividends to net income (ytd only)* | 46.0784% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,559 |
| Loan loss allowance to noncurrent loans | 344.9102% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,802 |
| Noncurrent loans to loans | 0.4452% | 3,497 |
| Net loans and leases to total assets | 77.6034% | 1,185 |
| Net loans and leases to deposits | 104.0735% | 398 |
| Net loans and leases to core deposits | 118.7242% | 494 |
| Total domestic deposits to total assets | 74.5660% | 5,371 |
| Equity capital to assets | 10.0605% | 3,680 |
| Core capital (leverage) ratio | 10.3503% | 3,061 |
| Tier 1 risk-based capital ratio | 11.6022% | 4,973 |
| Total risk-based capital ratio | 12.8553% | 4,869 |
| Memoranda: | ||
| Average total assets | $186,078,500 | 3,130 |
| Average earning assets | $170,656,500 | 3,126 |
| Average equity | $19,028,000 | 3,287 |
| Average total loans | $146,289,000 | 2,743 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 1,203 |
| Cost of funding earning assets | 0.6874% | 871 |
| Net interest margin | 3.9461% | 1,802 |
| Noninterest income to average assets | 0.3417% | 4,294 |
| Noninterest expense to average assets | 2.8007% | 3,021 |
| Loan and lease loss provision to assets | 0.0682% | 3,007 |
| Net operating income to assets | 1.0541% | 2,120 |
| Return on assets (ROA) | 1.0541% | 2,220 |
| Pretax return on assets | 1.1183% | 3,024 |
| Return on Equity (ROE) | 9.9537% | 1,974 |
| Retained earnings to average equity (ytd only) | 5.0144% | 2,338 |
| Net charge-offs to loans | 0.0821% | 2,513 |
| Credit loss provision to net charge-offs | 108.1081% | 2,423 |
| Earnings coverage of net charge-offs (x) | 18.8018% | 1,945 |
| Efficiency ratio | 70.2410% | 2,861 |
| Assets per employee ($millions) | 3.9521% | 4,055 |
| Cash dividends to net income (ytd only)* | 49.6224% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,402 |
| Loan loss allowance to noncurrent loans | 224.1584% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 3,065 |
| Noncurrent loans to loans | 0.7085% | 2,762 |
| Net loans and leases to total assets | 77.1653% | 1,336 |
| Net loans and leases to deposits | 102.5565% | 497 |
| Net loans and leases to core deposits | 117.1179% | 574 |
| Total domestic deposits to total assets | 75.2418% | 5,325 |
| Equity capital to assets | 10.3989% | 3,272 |
| Core capital (leverage) ratio | 10.2709% | 3,142 |
| Tier 1 risk-based capital ratio | 12.0013% | 4,729 |
| Total risk-based capital ratio | 13.2537% | 4,609 |
| Memoranda: | ||
| Average total assets | $175,885,400 | 3,211 |
| Average earning assets | $162,490,200 | 3,201 |
| Average equity | $18,626,200 | 3,323 |
| Average total loans | $135,156,600 | 2,843 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 1,342 |
| Cost of funding earning assets | 0.6668% | 965 |
| Net interest margin | 3.9101% | 1,939 |
| Noninterest income to average assets | 0.3448% | 4,317 |
| Noninterest expense to average assets | 2.7850% | 3,062 |
| Loan and lease loss provision to assets | 0.0688% | 2,846 |
| Net operating income to assets | 1.0435% | 2,230 |
| Return on assets (ROA) | 1.0435% | 2,353 |
| Pretax return on assets | 1.1085% | 3,194 |
| Return on Equity (ROE) | 9.8076% | 2,137 |
| Retained earnings to average equity (ytd only) | 4.7924% | 2,961 |
| Net charge-offs to loans | 0.1080% | 1,865 |
| Credit loss provision to net charge-offs | 83.3333% | 2,623 |
| Earnings coverage of net charge-offs (x) | 14.2589% | 2,252 |
| Efficiency ratio | 70.2875% | 2,849 |
| Assets per employee ($millions) | 4.2599% | 3,488 |
| Cash dividends to net income (ytd only)* | 51.1355% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 1,514 |
| Loan loss allowance to noncurrent loans | 212.8449% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 3,185 |
| Noncurrent loans to loans | 0.7464% | 2,806 |
| Net loans and leases to total assets | 75.6490% | 1,581 |
| Net loans and leases to deposits | 100.3527% | 687 |
| Net loans and leases to core deposits | 117.0849% | 607 |
| Total domestic deposits to total assets | 75.3831% | 5,303 |
| Equity capital to assets | 10.3153% | 3,785 |
| Core capital (leverage) ratio | 10.5365% | 2,953 |
| Tier 1 risk-based capital ratio | 12.2662% | 4,629 |
| Total risk-based capital ratio | 13.5195% | 4,528 |
| Memoranda: | ||
| Average total assets | $174,407,250 | 3,238 |
| Average earning assets | $161,354,750 | 3,230 |
| Average equity | $18,556,500 | 3,363 |
| Average total loans | $133,308,500 | 2,880 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,320 |
| Cost of funding earning assets | 0.6560% | 1,024 |
| Net interest margin | 3.9186% | 1,918 |
| Noninterest income to average assets | 0.3406% | 4,341 |
| Noninterest expense to average assets | 2.7898% | 3,059 |
| Loan and lease loss provision to assets | 0.0700% | 2,740 |
| Net operating income to assets | 1.0485% | 2,187 |
| Return on assets (ROA) | 1.0485% | 2,314 |
| Pretax return on assets | 1.1173% | 3,132 |
| Return on Equity (ROE) | 9.7486% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.4893% | 3,059 |
| Net charge-offs to loans | 0.1193% | 1,641 |
| Credit loss provision to net charge-offs | 76.9231% | 2,396 |
| Earnings coverage of net charge-offs (x) | 13.0513% | 2,151 |
| Efficiency ratio | 70.1466% | 2,957 |
| Assets per employee ($millions) | 4.0551% | 3,809 |
| Cash dividends to net income (ytd only)* | 53.9488% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 1,319 |
| Loan loss allowance to noncurrent loans | 172.6080% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 2,750 |
| Noncurrent loans to loans | 0.9733% | 2,336 |
| Net loans and leases to total assets | 75.0839% | 1,633 |
| Net loans and leases to deposits | 100.2888% | 676 |
| Net loans and leases to core deposits | 119.2073% | 535 |
| Total domestic deposits to total assets | 74.8677% | 5,428 |
| Equity capital to assets | 10.7364% | 3,356 |
| Core capital (leverage) ratio | 10.7341% | 2,710 |
| Tier 1 risk-based capital ratio | 12.7562% | 4,345 |
| Total risk-based capital ratio | 14.0101% | 4,250 |
| Memoranda: | ||
| Average total assets | $171,484,670 | 3,291 |
| Average earning assets | $159,136,670 | 3,280 |
| Average equity | $18,443,670 | 3,380 |
| Average total loans | $130,809,000 | 2,922 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 1,400 |
| Cost of funding earning assets | 0.6574% | 1,015 |
| Net interest margin | 3.8808% | 1,993 |
| Noninterest income to average assets | 0.3623% | 4,128 |
| Noninterest expense to average assets | 2.8017% | 3,063 |
| Loan and lease loss provision to assets | 0.0706% | 2,541 |
| Net operating income to assets | 1.0162% | 2,208 |
| Return on assets (ROA) | 1.0162% | 2,325 |
| Pretax return on assets | 1.0868% | 3,143 |
| Return on Equity (ROE) | 9.4400% | 2,218 |
| Retained earnings to average equity (ytd only) | 4.3485% | 3,304 |
| Net charge-offs to loans | 0.2222% | 915 |
| Credit loss provision to net charge-offs | 41.6667% | 2,138 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,205 |
| Efficiency ratio | 70.7665% | 2,992 |
| Assets per employee ($millions) | 4.1276% | 3,710 |
| Cash dividends to net income (ytd only)* | 53.9352% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 1,406 |
| Loan loss allowance to noncurrent loans | 202.8414% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 3,122 |
| Noncurrent loans to loans | 0.8299% | 2,765 |
| Net loans and leases to total assets | 76.3709% | 1,334 |
| Net loans and leases to deposits | 98.8391% | 699 |
| Net loans and leases to core deposits | 113.2239% | 700 |
| Total domestic deposits to total assets | 77.2679% | 5,254 |
| Equity capital to assets | 10.8845% | 3,064 |
| Core capital (leverage) ratio | 10.4558% | 3,015 |
| Tier 1 risk-based capital ratio | 12.7976% | 4,397 |
| Total risk-based capital ratio | 14.0515% | 4,307 |
| Memoranda: | ||
| Average total assets | $170,042,500 | 3,324 |
| Average earning assets | $157,596,000 | 3,319 |
| Average equity | $18,305,000 | 3,397 |
| Average total loans | $129,633,500 | 2,941 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 1,286 |
| Cost of funding earning assets | 0.6166% | 1,264 |
| Net interest margin | 4.0027% | 1,710 |
| Noninterest income to average assets | 0.3735% | 4,237 |
| Noninterest expense to average assets | 2.7297% | 3,485 |
| Loan and lease loss provision to assets | 0.0962% | 2,385 |
| Net operating income to assets | 1.1787% | 1,628 |
| Return on assets (ROA) | 1.1787% | 1,705 |
| Pretax return on assets | 1.2449% | 2,487 |
| Return on Equity (ROE) | 10.9873% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.0956% | 2,353 |
| Net charge-offs to loans | -0.0390% | 5,486 |
| Credit loss provision to net charge-offs | -333.3333% | 5,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0557% | 3,737 |
| Assets per employee ($millions) | 3.9733% | 3,988 |
| Cash dividends to net income (ytd only)* | 53.6224% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 1,204 |
| Loan loss allowance to noncurrent loans | 115.9383% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.1384% | 1,926 |
| Noncurrent loans to loans | 1.5218% | 1,527 |
| Net loans and leases to total assets | 73.4871% | 1,809 |
| Net loans and leases to deposits | 94.6485% | 1,139 |
| Net loans and leases to core deposits | 108.1410% | 959 |
| Total domestic deposits to total assets | 77.6422% | 5,223 |
| Equity capital to assets | 10.6466% | 3,190 |
| Core capital (leverage) ratio | 10.2734% | 3,186 |
| Tier 1 risk-based capital ratio | 13.1531% | 4,202 |
| Total risk-based capital ratio | 14.4081% | 4,122 |
| Memoranda: | ||
| Average total assets | $166,283,200 | 3,360 |
| Average earning assets | $153,595,200 | 3,349 |
| Average equity | $17,838,800 | 3,401 |
| Average total loans | $123,021,400 | 3,008 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,319 |
| Cost of funding earning assets | 0.6100% | 1,346 |
| Net interest margin | 3.9945% | 1,720 |
| Noninterest income to average assets | 0.3770% | 4,238 |
| Noninterest expense to average assets | 2.7103% | 3,522 |
| Loan and lease loss provision to assets | 0.0807% | 2,558 |
| Net operating income to assets | 1.2094% | 1,617 |
| Return on assets (ROA) | 1.2094% | 1,682 |
| Pretax return on assets | 1.2765% | 2,488 |
| Return on Equity (ROE) | 11.2516% | 1,608 |
| Retained earnings to average equity (ytd only) | 5.3855% | 2,652 |
| Net charge-offs to loans | -0.0547% | 5,574 |
| Credit loss provision to net charge-offs | -200.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6336% | 3,778 |
| Assets per employee ($millions) | 4.1858% | 3,546 |
| Cash dividends to net income (ytd only)* | 52.1364% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 1,556 |
| Loan loss allowance to noncurrent loans | 132.1901% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9684% | 2,428 |
| Noncurrent loans to loans | 1.2627% | 2,023 |
| Net loans and leases to total assets | 75.4139% | 1,475 |
| Net loans and leases to deposits | 100.7214% | 626 |
| Net loans and leases to core deposits | 111.6206% | 784 |
| Total domestic deposits to total assets | 74.8737% | 5,631 |
| Equity capital to assets | 10.5526% | 3,549 |
| Core capital (leverage) ratio | 10.5390% | 3,000 |
| Tier 1 risk-based capital ratio | 13.3060% | 4,248 |
| Total risk-based capital ratio | 14.5613% | 4,176 |
| Memoranda: | ||
| Average total assets | $165,140,750 | 3,406 |
| Average earning assets | $152,572,250 | 3,386 |
| Average equity | $17,751,000 | 3,443 |
| Average total loans | $121,824,250 | 3,051 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 1,352 |
| Cost of funding earning assets | 0.6090% | 1,354 |
| Net interest margin | 3.9591% | 1,779 |
| Noninterest income to average assets | 0.3620% | 4,352 |
| Noninterest expense to average assets | 2.7255% | 3,510 |
| Loan and lease loss provision to assets | 0.0491% | 3,135 |
| Net operating income to assets | 1.1854% | 1,650 |
| Return on assets (ROA) | 1.1854% | 1,716 |
| Pretax return on assets | 1.2492% | 2,556 |
| Return on Equity (ROE) | 10.9578% | 1,697 |
| Retained earnings to average equity (ytd only) | 5.1499% | 2,763 |
| Net charge-offs to loans | -0.0590% | 5,608 |
| Credit loss provision to net charge-offs | -114.2857% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7341% | 3,711 |
| Assets per employee ($millions) | 4.0860% | 3,710 |
| Cash dividends to net income (ytd only)* | 53.0021% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 1,610 |
| Loan loss allowance to noncurrent loans | 256.5901% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 3,970 |
| Noncurrent loans to loans | 0.6610% | 3,499 |
| Net loans and leases to total assets | 73.4104% | 1,753 |
| Net loans and leases to deposits | 97.4671% | 839 |
| Net loans and leases to core deposits | 102.3690% | 1,301 |
| Total domestic deposits to total assets | 75.3182% | 5,667 |
| Equity capital to assets | 10.6317% | 3,288 |
| Core capital (leverage) ratio | 10.6219% | 2,826 |
| Tier 1 risk-based capital ratio | 13.2784% | 4,358 |
| Total risk-based capital ratio | 14.5325% | 4,287 |
| Memoranda: | ||
| Average total assets | $162,982,000 | 3,454 |
| Average earning assets | $150,739,670 | 3,444 |
| Average equity | $17,631,330 | 3,475 |
| Average total loans | $118,559,000 | 3,111 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 1,375 |
| Cost of funding earning assets | 0.5917% | 1,490 |
| Net interest margin | 3.9403% | 1,743 |
| Noninterest income to average assets | 0.3808% | 4,160 |
| Noninterest expense to average assets | 2.8300% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1399% | 1,727 |
| Return on assets (ROA) | 1.1399% | 1,836 |
| Pretax return on assets | 1.1972% | 2,681 |
| Return on Equity (ROE) | 10.4438% | 1,812 |
| Retained earnings to average equity (ytd only) | 4.8343% | 3,157 |
| Net charge-offs to loans | -0.0659% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2719% | 3,433 |
| Assets per employee ($millions) | 4.0555% | 3,854 |
| Cash dividends to net income (ytd only)* | 53.7118% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 1,609 |
| Loan loss allowance to noncurrent loans | 245.0771% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 3,946 |
| Noncurrent loans to loans | 0.7146% | 3,481 |
| Net loans and leases to total assets | 71.4476% | 1,907 |
| Net loans and leases to deposits | 92.3000% | 1,149 |
| Net loans and leases to core deposits | 96.1539% | 1,602 |
| Total domestic deposits to total assets | 77.4080% | 5,548 |
| Equity capital to assets | 10.9104% | 3,078 |
| Core capital (leverage) ratio | 10.7324% | 2,713 |
| Tier 1 risk-based capital ratio | 13.8530% | 4,113 |
| Total risk-based capital ratio | 15.1076% | 4,034 |
| Memoranda: | ||
| Average total assets | $160,709,000 | 3,496 |
| Average earning assets | $148,720,500 | 3,486 |
| Average equity | $17,541,500 | 3,511 |
| Average total loans | $115,286,000 | 3,175 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,184 |
| Cost of funding earning assets | 0.6052% | 1,720 |
| Net interest margin | 3.8059% | 2,607 |
| Noninterest income to average assets | 0.3327% | 4,727 |
| Noninterest expense to average assets | 2.8101% | 3,441 |
| Loan and lease loss provision to assets | 0.0383% | 3,812 |
| Net operating income to assets | 0.9552% | 2,604 |
| Return on assets (ROA) | 0.9552% | 2,684 |
| Pretax return on assets | 0.9980% | 3,505 |
| Return on Equity (ROE) | 8.7564% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.4241% | 3,776 |
| Net charge-offs to loans | -0.1036% | 6,119 |
| Credit loss provision to net charge-offs | -55.5556% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0578% | 3,019 |
| Assets per employee ($millions) | 3.9799% | 4,003 |
| Cash dividends to net income (ytd only)* | 60.8957% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 1,497 |
| Loan loss allowance to noncurrent loans | 236.6474% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 3,993 |
| Noncurrent loans to loans | 0.7682% | 3,395 |
| Net loans and leases to total assets | 69.4460% | 2,318 |
| Net loans and leases to deposits | 90.1086% | 1,512 |
| Net loans and leases to core deposits | 94.4794% | 1,868 |
| Total domestic deposits to total assets | 77.0693% | 5,589 |
| Equity capital to assets | 10.9198% | 2,984 |
| Core capital (leverage) ratio | 10.4626% | 2,991 |
| Tier 1 risk-based capital ratio | 14.1762% | 3,981 |
| Total risk-based capital ratio | 15.4324% | 3,907 |
| Memoranda: | ||
| Average total assets | $156,613,000 | 3,544 |
| Average earning assets | $144,589,600 | 3,529 |
| Average equity | $17,084,600 | 3,516 |
| Average total loans | $104,242,000 | 3,339 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,259 |
| Cost of funding earning assets | 0.6065% | 1,779 |
| Net interest margin | 3.7820% | 2,683 |
| Noninterest income to average assets | 0.3616% | 4,541 |
| Noninterest expense to average assets | 2.7783% | 3,547 |
| Loan and lease loss provision to assets | 0.0513% | 3,351 |
| Net operating income to assets | 0.9737% | 2,575 |
| Return on assets (ROA) | 0.9737% | 2,643 |
| Pretax return on assets | 1.0181% | 3,529 |
| Return on Equity (ROE) | 8.9280% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.4019% | 4,204 |
| Net charge-offs to loans | -0.0248% | 5,676 |
| Credit loss provision to net charge-offs | -315.7895% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2062% | 3,145 |
| Assets per employee ($millions) | 3.9333% | 4,023 |
| Cash dividends to net income (ytd only)* | 61.8966% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8522% | 1,570 |
| Loan loss allowance to noncurrent loans | 218.2832% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 3,975 |
| Noncurrent loans to loans | 0.8485% | 3,447 |
| Net loans and leases to total assets | 65.9461% | 2,880 |
| Net loans and leases to deposits | 82.9648% | 2,296 |
| Net loans and leases to core deposits | 88.1229% | 2,414 |
| Total domestic deposits to total assets | 79.4868% | 5,228 |
| Equity capital to assets | 10.9786% | 2,980 |
| Core capital (leverage) ratio | 10.4913% | 3,054 |
| Tier 1 risk-based capital ratio | 15.1125% | 3,525 |
| Total risk-based capital ratio | 16.3523% | 3,470 |
| Memoranda: | ||
| Average total assets | $155,967,000 | 3,580 |
| Average earning assets | $143,767,000 | 3,576 |
| Average equity | $17,009,750 | 3,543 |
| Average total loans | $102,151,750 | 3,408 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3841% | 2,236 |
| Cost of funding earning assets | 0.6103% | 1,810 |
| Net interest margin | 3.7738% | 2,653 |
| Noninterest income to average assets | 0.3794% | 4,409 |
| Noninterest expense to average assets | 2.6982% | 3,873 |
| Loan and lease loss provision to assets | 0.0643% | 2,981 |
| Net operating income to assets | 1.0404% | 2,159 |
| Return on assets (ROA) | 1.0404% | 2,225 |
| Pretax return on assets | 1.0842% | 3,163 |
| Return on Equity (ROE) | 9.5615% | 2,349 |
| Retained earnings to average equity (ytd only) | 3.6521% | 3,863 |
| Net charge-offs to loans | -0.0535% | 5,911 |
| Credit loss provision to net charge-offs | -185.1852% | 5,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1438% | 3,631 |
| Assets per employee ($millions) | 3.9913% | 3,854 |
| Cash dividends to net income (ytd only)* | 61.8047% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 1,517 |
| Loan loss allowance to noncurrent loans | 194.4334% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 4,082 |
| Noncurrent loans to loans | 0.9919% | 3,251 |
| Net loans and leases to total assets | 62.3047% | 3,359 |
| Net loans and leases to deposits | 77.5051% | 2,868 |
| Net loans and leases to core deposits | 88.0102% | 2,318 |
| Total domestic deposits to total assets | 80.3878% | 5,159 |
| Equity capital to assets | 10.7616% | 3,132 |
| Core capital (leverage) ratio | 10.8651% | 2,569 |
| Tier 1 risk-based capital ratio | 15.4611% | 3,374 |
| Total risk-based capital ratio | 16.7184% | 3,313 |
| Memoranda: | ||
| Average total assets | $155,511,670 | 3,601 |
| Average earning assets | $142,880,670 | 3,607 |
| Average equity | $16,922,000 | 3,554 |
| Average total loans | $100,964,670 | 3,439 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 2,164 |
| Cost of funding earning assets | 0.6187% | 1,828 |
| Net interest margin | 3.7742% | 2,576 |
| Noninterest income to average assets | 0.3676% | 4,442 |
| Noninterest expense to average assets | 2.6720% | 4,032 |
| Loan and lease loss provision to assets | 0.0782% | 2,585 |
| Net operating income to assets | 1.0532% | 1,997 |
| Return on assets (ROA) | 1.0532% | 2,064 |
| Pretax return on assets | 1.1001% | 2,894 |
| Return on Equity (ROE) | 9.6233% | 2,191 |
| Retained earnings to average equity (ytd only) | 3.8112% | 3,842 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3974% | 3,936 |
| Assets per employee ($millions) | 4.0646% | 3,795 |
| Cash dividends to net income (ytd only)* | 60.3960% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 1,751 |
| Loan loss allowance to noncurrent loans | 185.3398% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 4,120 |
| Noncurrent loans to loans | 1.0255% | 3,372 |
| Net loans and leases to total assets | 63.7955% | 2,931 |
| Net loans and leases to deposits | 80.3395% | 2,248 |
| Net loans and leases to core deposits | 91.8004% | 1,748 |
| Total domestic deposits to total assets | 79.4073% | 5,611 |
| Equity capital to assets | 10.9684% | 2,745 |
| Core capital (leverage) ratio | 10.7012% | 2,700 |
| Tier 1 risk-based capital ratio | 15.5774% | 3,394 |
| Total risk-based capital ratio | 16.8347% | 3,355 |
| Memoranda: | ||
| Average total assets | $153,442,000 | 3,658 |
| Average earning assets | $141,594,000 | 3,645 |
| Average equity | $16,792,500 | 3,578 |
| Average total loans | $100,734,000 | 3,451 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 3,615 |
| Cost of funding earning assets | 0.6552% | 2,166 |
| Net interest margin | 3.4764% | 4,002 |
| Noninterest income to average assets | 0.4184% | 4,310 |
| Noninterest expense to average assets | 2.5706% | 4,552 |
| Loan and lease loss provision to assets | 0.0227% | 4,673 |
| Net operating income to assets | 1.0067% | 2,297 |
| Return on assets (ROA) | 1.0067% | 2,355 |
| Pretax return on assets | 1.0463% | 3,167 |
| Return on Equity (ROE) | 9.3034% | 2,412 |
| Retained earnings to average equity (ytd only) | 1.6665% | 5,037 |
| Net charge-offs to loans | 0.1605% | 3,201 |
| Credit loss provision to net charge-offs | 22.7273% | 4,398 |
| Earnings coverage of net charge-offs (x) | 10.7013% | 2,326 |
| Efficiency ratio | 70.6291% | 3,738 |
| Assets per employee ($millions) | 4.0113% | 3,840 |
| Cash dividends to net income (ytd only)* | 82.0876% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 1,893 |
| Loan loss allowance to noncurrent loans | 353.8606% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 5,222 |
| Noncurrent loans to loans | 0.5256% | 4,678 |
| Net loans and leases to total assets | 65.0432% | 2,856 |
| Net loans and leases to deposits | 81.9680% | 2,184 |
| Net loans and leases to core deposits | 93.2586% | 1,655 |
| Total domestic deposits to total assets | 79.3520% | 5,590 |
| Equity capital to assets | 10.9190% | 2,689 |
| Core capital (leverage) ratio | 10.5263% | 2,888 |
| Tier 1 risk-based capital ratio | 14.7442% | 3,815 |
| Total risk-based capital ratio | 15.9996% | 3,755 |
| Memoranda: | ||
| Average total assets | $154,165,000 | 3,638 |
| Average earning assets | $142,850,600 | 3,621 |
| Average equity | $16,682,000 | 3,599 |
| Average total loans | $95,979,600 | 3,554 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 4,002 |
| Cost of funding earning assets | 0.6614% | 2,253 |
| Net interest margin | 3.3713% | 4,394 |
| Noninterest income to average assets | 0.4157% | 4,404 |
| Noninterest expense to average assets | 2.5355% | 4,600 |
| Loan and lease loss provision to assets | 0.0173% | 4,669 |
| Net operating income to assets | 0.9521% | 2,582 |
| Return on assets (ROA) | 0.9521% | 2,686 |
| Pretax return on assets | 0.9883% | 3,548 |
| Return on Equity (ROE) | 8.8186% | 2,731 |
| Retained earnings to average equity (ytd only) | 2.4683% | 4,849 |
| Net charge-offs to loans | 0.2365% | 2,387 |
| Credit loss provision to net charge-offs | 11.9048% | 4,193 |
| Earnings coverage of net charge-offs (x) | 6.9406% | 2,876 |
| Efficiency ratio | 71.6025% | 3,482 |
| Assets per employee ($millions) | 4.0744% | 3,689 |
| Cash dividends to net income (ytd only)* | 72.0108% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 2,032 |
| Loan loss allowance to noncurrent loans | 322.8621% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 5,269 |
| Noncurrent loans to loans | 0.5851% | 4,739 |
| Net loans and leases to total assets | 63.7334% | 3,035 |
| Net loans and leases to deposits | 80.7042% | 2,303 |
| Net loans and leases to core deposits | 90.5441% | 1,922 |
| Total domestic deposits to total assets | 78.9716% | 5,747 |
| Equity capital to assets | 11.1407% | 2,628 |
| Core capital (leverage) ratio | 10.8862% | 2,581 |
| Tier 1 risk-based capital ratio | 15.2222% | 3,607 |
| Total risk-based capital ratio | 16.4785% | 3,560 |
| Memoranda: | ||
| Average total assets | $154,598,500 | 3,665 |
| Average earning assets | $143,324,500 | 3,651 |
| Average equity | $16,691,500 | 3,644 |
| Average total loans | $94,718,250 | 3,606 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 4,245 |
| Cost of funding earning assets | 0.6688% | 2,328 |
| Net interest margin | 3.2955% | 4,607 |
| Noninterest income to average assets | 0.4131% | 4,423 |
| Noninterest expense to average assets | 2.5045% | 4,707 |
| Loan and lease loss provision to assets | 0.0257% | 4,405 |
| Net operating income to assets | 0.9045% | 2,768 |
| Return on assets (ROA) | 0.9045% | 2,910 |
| Pretax return on assets | 0.9366% | 3,758 |
| Return on Equity (ROE) | 8.4649% | 2,868 |
| Retained earnings to average equity (ytd only) | 2.0772% | 4,953 |
| Net charge-offs to loans | -0.0448% | 6,224 |
| Credit loss provision to net charge-offs | -95.2381% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2428% | 3,430 |
| Assets per employee ($millions) | 3.8718% | 4,062 |
| Cash dividends to net income (ytd only)* | 75.4610% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1402% | 1,545 |
| Loan loss allowance to noncurrent loans | 282.4100% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 5,074 |
| Noncurrent loans to loans | 0.7578% | 4,405 |
| Net loans and leases to total assets | 61.7430% | 3,340 |
| Net loans and leases to deposits | 80.8071% | 2,211 |
| Net loans and leases to core deposits | 91.0149% | 1,809 |
| Total domestic deposits to total assets | 76.4079% | 6,208 |
| Equity capital to assets | 10.8470% | 2,897 |
| Core capital (leverage) ratio | 10.6629% | 2,702 |
| Tier 1 risk-based capital ratio | 15.2933% | 3,600 |
| Total risk-based capital ratio | 16.5519% | 3,552 |
| Memoranda: | ||
| Average total assets | $155,880,330 | 3,673 |
| Average earning assets | $144,440,670 | 3,657 |
| Average equity | $16,657,000 | 3,674 |
| Average total loans | $93,647,670 | 3,641 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 4,138 |
| Cost of funding earning assets | 0.6726% | 2,463 |
| Net interest margin | 3.3221% | 4,435 |
| Noninterest income to average assets | 0.3562% | 4,821 |
| Noninterest expense to average assets | 2.4330% | 5,005 |
| Loan and lease loss provision to assets | 0.0505% | 3,778 |
| Net operating income to assets | 0.9247% | 2,544 |
| Return on assets (ROA) | 0.9247% | 2,686 |
| Pretax return on assets | 0.9550% | 3,545 |
| Return on Equity (ROE) | 8.7164% | 2,619 |
| Retained earnings to average equity (ytd only) | 2.6197% | 4,712 |
| Net charge-offs to loans | -0.0732% | 6,296 |
| Credit loss provision to net charge-offs | -117.6471% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7568% | 3,836 |
| Assets per employee ($millions) | 3.9336% | 4,096 |
| Cash dividends to net income (ytd only)* | 69.9454% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2283% | 1,530 |
| Loan loss allowance to noncurrent loans | 232.8375% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 4,966 |
| Noncurrent loans to loans | 0.9570% | 4,226 |
| Net loans and leases to total assets | 58.2025% | 3,759 |
| Net loans and leases to deposits | 73.7798% | 2,946 |
| Net loans and leases to core deposits | 82.7087% | 2,485 |
| Total domestic deposits to total assets | 78.8868% | 5,982 |
| Equity capital to assets | 10.9901% | 2,967 |
| Core capital (leverage) ratio | 10.2611% | 3,059 |
| Tier 1 risk-based capital ratio | 15.6975% | 3,425 |
| Total risk-based capital ratio | 16.9563% | 3,390 |
| Memoranda: | ||
| Average total assets | $158,320,500 | 3,681 |
| Average earning assets | $146,896,000 | 3,646 |
| Average equity | $16,796,000 | 3,697 |
| Average total loans | $92,836,000 | 3,681 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 4,431 |
| Cost of funding earning assets | 0.7728% | 2,890 |
| Net interest margin | 3.4694% | 4,632 |
| Noninterest income to average assets | 0.4933% | 3,945 |
| Noninterest expense to average assets | 2.3598% | 5,529 |
| Loan and lease loss provision to assets | 0.0243% | 5,591 |
| Net operating income to assets | 1.2493% | 1,450 |
| Return on assets (ROA) | 1.2493% | 1,608 |
| Pretax return on assets | 1.2967% | 2,416 |
| Return on Equity (ROE) | 12.5983% | 1,338 |
| Retained earnings to average equity (ytd only) | 7.6808% | 1,248 |
| Net charge-offs to loans | 0.0133% | 5,731 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 163.1538% | 255 |
| Efficiency ratio | 64.1117% | 4,863 |
| Assets per employee ($millions) | 4.1854% | 3,581 |
| Cash dividends to net income (ytd only)* | 39.0329% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 1,720 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 4,602 |
| Noncurrent loans to loans | 1.2941% | 3,672 |
| Net loans and leases to total assets | 56.5766% | 4,188 |
| Net loans and leases to deposits | 70.1806% | 3,684 |
| Net loans and leases to core deposits | 78.2999% | 3,219 |
| Total domestic deposits to total assets | 80.6157% | 5,505 |
| Equity capital to assets | 10.2506% | 3,826 |
| Core capital (leverage) ratio | 9.9332% | 3,494 |
| Tier 1 risk-based capital ratio | 14.8623% | 3,795 |
| Total risk-based capital ratio | 16.1201% | 3,745 |
| Memoranda: | ||
| Average total assets | $160,566,000 | 3,615 |
| Average earning assets | $147,517,000 | 3,597 |
| Average equity | $15,922,800 | 3,785 |
| Average total loans | $97,682,200 | 3,580 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 4,252 |
| Cost of funding earning assets | 0.7966% | 2,976 |
| Net interest margin | 3.5542% | 4,421 |
| Noninterest income to average assets | 0.4336% | 4,397 |
| Noninterest expense to average assets | 2.3347% | 5,586 |
| Loan and lease loss provision to assets | 0.0325% | 5,372 |
| Net operating income to assets | 1.2833% | 1,486 |
| Return on assets (ROA) | 1.2833% | 1,629 |
| Pretax return on assets | 1.3291% | 2,497 |
| Return on Equity (ROE) | 13.0527% | 1,321 |
| Retained earnings to average equity (ytd only) | 6.4118% | 2,423 |
| Net charge-offs to loans | 0.0162% | 5,461 |
| Credit loss provision to net charge-offs | 325.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 136.0800% | 326 |
| Efficiency ratio | 63.1626% | 4,948 |
| Assets per employee ($millions) | 4.1377% | 3,606 |
| Cash dividends to net income (ytd only)* | 50.8770% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 1,953 |
| Loan loss allowance to noncurrent loans | 155.3225% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 4,329 |
| Noncurrent loans to loans | 1.3408% | 3,787 |
| Net loans and leases to total assets | 59.7746% | 3,825 |
| Net loans and leases to deposits | 74.7303% | 3,181 |
| Net loans and leases to core deposits | 83.7269% | 2,727 |
| Total domestic deposits to total assets | 79.9872% | 5,657 |
| Equity capital to assets | 10.4627% | 3,890 |
| Core capital (leverage) ratio | 9.6694% | 4,013 |
| Tier 1 risk-based capital ratio | 14.4169% | 4,247 |
| Total risk-based capital ratio | 15.6747% | 4,205 |
| Memoranda: | ||
| Average total assets | $159,900,000 | 3,660 |
| Average earning assets | $146,790,750 | 3,647 |
| Average equity | $15,720,500 | 3,856 |
| Average total loans | $98,515,750 | 3,601 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 4,159 |
| Cost of funding earning assets | 0.8216% | 3,019 |
| Net interest margin | 3.5859% | 4,324 |
| Noninterest income to average assets | 0.4366% | 4,385 |
| Noninterest expense to average assets | 2.2850% | 5,778 |
| Loan and lease loss provision to assets | 0.0485% | 5,068 |
| Net operating income to assets | 1.3446% | 1,320 |
| Return on assets (ROA) | 1.3446% | 1,479 |
| Pretax return on assets | 1.3931% | 2,220 |
| Return on Equity (ROE) | 13.9691% | 1,129 |
| Retained earnings to average equity (ytd only) | 3.8509% | 4,052 |
| Net charge-offs to loans | 0.0282% | 4,982 |
| Credit loss provision to net charge-offs | 278.5714% | 1,055 |
| Earnings coverage of net charge-offs (x) | 82.7857% | 495 |
| Efficiency ratio | 61.3151% | 5,366 |
| Assets per employee ($millions) | 4.1821% | 3,492 |
| Cash dividends to net income (ytd only)* | 72.4329% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0573% | 2,093 |
| Loan loss allowance to noncurrent loans | 239.1617% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 3,422 |
| Noncurrent loans to loans | 0.8602% | 4,785 |
| Net loans and leases to total assets | 58.2895% | 4,111 |
| Net loans and leases to deposits | 71.9468% | 3,622 |
| Net loans and leases to core deposits | 81.5866% | 3,009 |
| Total domestic deposits to total assets | 81.0175% | 5,464 |
| Equity capital to assets | 9.7478% | 4,694 |
| Core capital (leverage) ratio | 9.2808% | 4,480 |
| Tier 1 risk-based capital ratio | 13.5913% | 4,748 |
| Total risk-based capital ratio | 14.8484% | 4,714 |
| Memoranda: | ||
| Average total assets | $160,788,670 | 3,645 |
| Average earning assets | $147,522,330 | 3,650 |
| Average equity | $15,477,000 | 3,895 |
| Average total loans | $99,359,330 | 3,591 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 4,062 |
| Cost of funding earning assets | 0.8635% | 2,964 |
| Net interest margin | 3.5987% | 4,279 |
| Noninterest income to average assets | 0.4385% | 4,389 |
| Noninterest expense to average assets | 2.8390% | 3,868 |
| Loan and lease loss provision to assets | 0.0977% | 4,126 |
| Net operating income to assets | 0.7793% | 3,477 |
| Return on assets (ROA) | 0.7793% | 3,716 |
| Pretax return on assets | 0.8018% | 4,406 |
| Return on Equity (ROE) | 8.1488% | 3,216 |
| Retained earnings to average equity (ytd only) | 8.1488% | 1,925 |
| Net charge-offs to loans | 0.0279% | 4,297 |
| Credit loss provision to net charge-offs | 557.1429% | 603 |
| Earnings coverage of net charge-offs (x) | 51.2857% | 625 |
| Efficiency ratio | 75.9383% | 2,797 |
| Assets per employee ($millions) | 4.2217% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0637% | 2,187 |
| Loan loss allowance to noncurrent loans | 84.3434% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.3849% | 2,494 |
| Noncurrent loans to loans | 2.4468% | 2,665 |
| Net loans and leases to total assets | 59.2819% | 3,811 |
| Net loans and leases to deposits | 73.4074% | 3,213 |
| Net loans and leases to core deposits | 84.0965% | 2,535 |
| Total domestic deposits to total assets | 80.7574% | 5,662 |
| Equity capital to assets | 9.8819% | 4,278 |
| Core capital (leverage) ratio | 9.4591% | 4,105 |
| Tier 1 risk-based capital ratio | 13.7322% | 4,657 |
| Total risk-based capital ratio | 14.9894% | 4,641 |
| Memoranda: | ||
| Average total assets | $159,631,500 | 3,693 |
| Average earning assets | $146,385,500 | 3,693 |
| Average equity | $15,266,000 | 3,942 |
| Average total loans | $100,504,500 | 3,585 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 2,852 |
| Cost of funding earning assets | 1.0232% | 3,214 |
| Net interest margin | 3.9844% | 2,965 |
| Noninterest income to average assets | 0.4099% | 4,537 |
| Noninterest expense to average assets | 2.8573% | 4,140 |
| Loan and lease loss provision to assets | 0.1768% | 4,423 |
| Net operating income to assets | 1.0091% | 2,165 |
| Return on assets (ROA) | 1.0389% | 2,198 |
| Pretax return on assets | 1.0754% | 2,931 |
| Return on Equity (ROE) | 11.8908% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.6122% | 337 |
| Net charge-offs to loans | -0.0590% | 7,077 |
| Credit loss provision to net charge-offs | -445.1613% | 6,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0534% | 3,947 |
| Assets per employee ($millions) | 4.1799% | 3,495 |
| Cash dividends to net income (ytd only)* | 2.3428% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,572 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 2.4144% | 2,519 |
| Noncurrent loans to loans | 2.1212% | 3,041 |
| Net loans and leases to total assets | 64.1723% | 3,148 |
| Net loans and leases to deposits | 79.9721% | 2,521 |
| Net loans and leases to core deposits | 94.3560% | 1,658 |
| Total domestic deposits to total assets | 80.2434% | 5,673 |
| Equity capital to assets | 9.2415% | 5,226 |
| Core capital (leverage) ratio | 8.8101% | 5,084 |
| Tier 1 risk-based capital ratio | 12.1968% | 5,693 |
| Total risk-based capital ratio | 13.4523% | 5,657 |
| Memoranda: | ||
| Average total assets | $156,129,000 | 3,701 |
| Average earning assets | $143,760,800 | 3,681 |
| Average equity | $13,640,800 | 4,200 |
| Average total loans | $105,092,400 | 3,498 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 2,969 |
| Cost of funding earning assets | 1.0535% | 3,294 |
| Net interest margin | 3.9717% | 3,040 |
| Noninterest income to average assets | 0.3817% | 4,796 |
| Noninterest expense to average assets | 2.9848% | 3,608 |
| Loan and lease loss provision to assets | 0.2324% | 3,686 |
| Net operating income to assets | 0.7937% | 3,194 |
| Return on assets (ROA) | 0.8337% | 3,171 |
| Pretax return on assets | 0.8628% | 3,905 |
| Return on Equity (ROE) | 9.6850% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.4159% | 1,006 |
| Net charge-offs to loans | -0.0746% | 7,119 |
| Credit loss provision to net charge-offs | -459.3220% | 6,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9010% | 3,201 |
| Assets per employee ($millions) | 4.1543% | 3,533 |
| Cash dividends to net income (ytd only)* | 2.7778% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 2,835 |
| Loan loss allowance to noncurrent loans | 149.1268% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8750% | 3,302 |
| Noncurrent loans to loans | 1.2266% | 4,492 |
| Net loans and leases to total assets | 66.7706% | 2,721 |
| Net loans and leases to deposits | 82.0223% | 2,353 |
| Net loans and leases to core deposits | 96.3069% | 1,575 |
| Total domestic deposits to total assets | 81.4054% | 5,293 |
| Equity capital to assets | 8.9730% | 5,785 |
| Core capital (leverage) ratio | 8.5718% | 5,596 |
| Tier 1 risk-based capital ratio | 11.3847% | 6,306 |
| Total risk-based capital ratio | 12.6401% | 6,300 |
| Memoranda: | ||
| Average total assets | $155,451,750 | 3,732 |
| Average earning assets | $143,140,750 | 3,718 |
| Average equity | $13,381,250 | 4,275 |
| Average total loans | $105,390,000 | 3,513 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 3,450 |
| Cost of funding earning assets | 1.0784% | 3,401 |
| Net interest margin | 3.8602% | 3,489 |
| Noninterest income to average assets | 0.3621% | 4,983 |
| Noninterest expense to average assets | 3.2732% | 2,659 |
| Loan and lease loss provision to assets | 0.1423% | 4,524 |
| Net operating income to assets | 0.5121% | 4,451 |
| Return on assets (ROA) | 0.5729% | 4,323 |
| Pretax return on assets | 0.5871% | 4,781 |
| Return on Equity (ROE) | 6.7530% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.5244% | 2,127 |
| Net charge-offs to loans | 0.1337% | 4,405 |
| Credit loss provision to net charge-offs | 157.1429% | 1,940 |
| Earnings coverage of net charge-offs (x) | 7.3714% | 2,234 |
| Efficiency ratio | 83.0653% | 1,947 |
| Assets per employee ($millions) | 3.9725% | 3,812 |
| Cash dividends to net income (ytd only)* | 3.3860% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 3,772 |
| Loan loss allowance to noncurrent loans | 232.8234% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 1.5465% | 3,875 |
| Noncurrent loans to loans | 0.6794% | 5,545 |
| Net loans and leases to total assets | 67.2237% | 2,786 |
| Net loans and leases to deposits | 82.6144% | 2,351 |
| Net loans and leases to core deposits | 95.5153% | 1,732 |
| Total domestic deposits to total assets | 81.3705% | 5,394 |
| Equity capital to assets | 8.8100% | 5,807 |
| Core capital (leverage) ratio | 8.3084% | 5,858 |
| Tier 1 risk-based capital ratio | 11.1504% | 6,416 |
| Total risk-based capital ratio | 12.4026% | 6,409 |
| Memoranda: | ||
| Average total assets | $154,648,000 | 3,770 |
| Average earning assets | $143,359,670 | 3,736 |
| Average equity | $13,120,000 | 4,314 |
| Average total loans | $104,730,000 | 3,567 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 4,306 |
| Cost of funding earning assets | 1.1081% | 3,473 |
| Net interest margin | 3.6381% | 4,377 |
| Noninterest income to average assets | 0.2744% | 5,709 |
| Noninterest expense to average assets | 4.2121% | 811 |
| Loan and lease loss provision to assets | 0.0777% | 5,031 |
| Net operating income to assets | -0.6010% | 6,866 |
| Return on assets (ROA) | -0.5488% | 6,836 |
| Pretax return on assets | -0.5695% | 6,795 |
| Return on Equity (ROE) | -6.5964% | 6,897 |
| Retained earnings to average equity (ytd only) | -6.7209% | 6,652 |
| Net charge-offs to loans | -0.0115% | 6,398 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9011% | 414 |
| Assets per employee ($millions) | 4.0366% | 3,767 |
| Cash dividends to net income (ytd only)* | -1.8868% | 7,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 3,613 |
| Loan loss allowance to noncurrent loans | 191.8297% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 4,010 |
| Noncurrent loans to loans | 0.8491% | 5,348 |
| Net loans and leases to total assets | 65.6345% | 3,104 |
| Net loans and leases to deposits | 80.2305% | 2,676 |
| Net loans and leases to core deposits | 92.6005% | 2,060 |
| Total domestic deposits to total assets | 81.8074% | 5,390 |
| Equity capital to assets | 8.3459% | 6,111 |
| Core capital (leverage) ratio | 7.8335% | 6,434 |
| Tier 1 risk-based capital ratio | 10.9182% | 6,558 |
| Total risk-based capital ratio | 12.1714% | 6,538 |
| Memoranda: | ||
| Average total assets | $154,509,000 | 3,801 |
| Average earning assets | $144,032,000 | 3,754 |
| Average equity | $12,855,500 | 4,376 |
| Average total loans | $104,184,500 | 3,618 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0190% | 4,459 |
| Cost of funding earning assets | 1.3223% | 3,736 |
| Net interest margin | 3.6967% | 4,358 |
| Noninterest income to average assets | 0.7164% | 2,745 |
| Noninterest expense to average assets | 2.7744% | 4,689 |
| Loan and lease loss provision to assets | 1.5240% | 968 |
| Net operating income to assets | -0.1237% | 6,019 |
| Return on assets (ROA) | -0.1237% | 6,073 |
| Pretax return on assets | -0.1244% | 6,017 |
| Return on Equity (ROE) | -1.4887% | 6,114 |
| Retained earnings to average equity (ytd only) | -1.8570% | 5,947 |
| Net charge-offs to loans | 2.2290% | 873 |
| Credit loss provision to net charge-offs | 97.3783% | 4,765 |
| Earnings coverage of net charge-offs (x) | 0.8943% | 5,221 |
| Efficiency ratio | 66.4690% | 4,879 |
| Assets per employee ($millions) | 4.0954% | 3,588 |
| Cash dividends to net income (ytd only)* | -24.7368% | 7,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 3,816 |
| Loan loss allowance to noncurrent loans | 75.2995% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 3,516 |
| Noncurrent loans to loans | 2.0467% | 3,490 |
| Net loans and leases to total assets | 67.0775% | 3,199 |
| Net loans and leases to deposits | 83.7586% | 2,493 |
| Net loans and leases to core deposits | 98.9648% | 1,711 |
| Total domestic deposits to total assets | 80.0843% | 5,811 |
| Equity capital to assets | 8.2949% | 6,153 |
| Core capital (leverage) ratio | 7.9030% | 6,314 |
| Tier 1 risk-based capital ratio | 11.0225% | 6,309 |
| Total risk-based capital ratio | 12.2746% | 6,279 |
| Memoranda: | ||
| Average total assets | $153,546,200 | 3,816 |
| Average earning assets | $143,613,400 | 3,747 |
| Average equity | $12,762,600 | 4,405 |
| Average total loans | $107,805,800 | 3,598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 4,705 |
| Cost of funding earning assets | 1.3590% | 3,839 |
| Net interest margin | 3.6644% | 4,574 |
| Noninterest income to average assets | 0.8190% | 2,132 |
| Noninterest expense to average assets | 2.3019% | 6,322 |
| Loan and lease loss provision to assets | 2.2566% | 493 |
| Net operating income to assets | -0.3180% | 6,446 |
| Return on assets (ROA) | -0.3180% | 6,493 |
| Pretax return on assets | -0.3189% | 6,420 |
| Return on Equity (ROE) | -3.8241% | 6,557 |
| Retained earnings to average equity (ytd only) | -4.1908% | 6,481 |
| Net charge-offs to loans | 2.6013% | 636 |
| Credit loss provision to net charge-offs | 122.6326% | 3,352 |
| Earnings coverage of net charge-offs (x) | 1.0530% | 5,002 |
| Efficiency ratio | 54.2951% | 6,764 |
| Assets per employee ($millions) | 4.0305% | 3,768 |
| Cash dividends to net income (ytd only)* | -9.5901% | 7,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0365% | 2,130 |
| Loan loss allowance to noncurrent loans | 83.5574% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 2.6789% | 2,694 |
| Noncurrent loans to loans | 2.4372% | 3,192 |
| Net loans and leases to total assets | 68.3125% | 3,139 |
| Net loans and leases to deposits | 86.7280% | 2,197 |
| Net loans and leases to core deposits | 105.9439% | 1,328 |
| Total domestic deposits to total assets | 78.7664% | 6,073 |
| Equity capital to assets | 8.4188% | 6,370 |
| Core capital (leverage) ratio | 7.8420% | 6,527 |
| Tier 1 risk-based capital ratio | 10.8839% | 6,478 |
| Total risk-based capital ratio | 12.1422% | 6,449 |
| Memoranda: | ||
| Average total assets | $153,026,250 | 3,876 |
| Average earning assets | $142,847,750 | 3,817 |
| Average equity | $12,726,000 | 4,493 |
| Average total loans | $108,251,250 | 3,635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 5,134 |
| Cost of funding earning assets | 1.3988% | 3,880 |
| Net interest margin | 3.5612% | 4,993 |
| Noninterest income to average assets | 1.0433% | 1,240 |
| Noninterest expense to average assets | 2.2656% | 6,453 |
| Loan and lease loss provision to assets | 2.7977% | 375 |
| Net operating income to assets | -0.6864% | 6,799 |
| Return on assets (ROA) | -0.6864% | 6,815 |
| Pretax return on assets | -0.6916% | 6,718 |
| Return on Equity (ROE) | -8.2873% | 6,906 |
| Retained earnings to average equity (ytd only) | -8.6661% | 6,849 |
| Net charge-offs to loans | 3.2703% | 464 |
| Credit loss provision to net charge-offs | 120.3600% | 3,371 |
| Earnings coverage of net charge-offs (x) | 0.9061% | 4,865 |
| Efficiency ratio | 51.8242% | 7,091 |
| Assets per employee ($millions) | 3.8325% | 4,147 |
| Cash dividends to net income (ytd only)* | -4.5714% | 7,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8934% | 2,428 |
| Loan loss allowance to noncurrent loans | 47.5520% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 2.8963% | 2,484 |
| Noncurrent loans to loans | 3.9816% | 1,906 |
| Net loans and leases to total assets | 69.5960% | 2,995 |
| Net loans and leases to deposits | 88.2158% | 2,138 |
| Net loans and leases to core deposits | 105.9820% | 1,453 |
| Total domestic deposits to total assets | 78.8929% | 6,066 |
| Equity capital to assets | 8.2558% | 6,475 |
| Core capital (leverage) ratio | 7.7653% | 6,541 |
| Tier 1 risk-based capital ratio | 10.6779% | 6,547 |
| Total risk-based capital ratio | 11.9345% | 6,532 |
| Memoranda: | ||
| Average total assets | $152,982,330 | 3,902 |
| Average earning assets | $142,983,670 | 3,840 |
| Average equity | $12,670,000 | 4,507 |
| Average total loans | $108,734,670 | 3,664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 4,816 |
| Cost of funding earning assets | 1.4529% | 3,853 |
| Net interest margin | 3.5903% | 4,773 |
| Noninterest income to average assets | 0.4083% | 4,840 |
| Noninterest expense to average assets | 2.4001% | 6,084 |
| Loan and lease loss provision to assets | 3.1147% | 313 |
| Net operating income to assets | -1.7458% | 7,398 |
| Return on assets (ROA) | -1.7458% | 7,403 |
| Pretax return on assets | -1.7432% | 7,334 |
| Return on Equity (ROE) | -21.0460% | 7,458 |
| Retained earnings to average equity (ytd only) | -21.4246% | 7,403 |
| Net charge-offs to loans | 4.7053% | 264 |
| Credit loss provision to net charge-offs | 93.0414% | 3,586 |
| Earnings coverage of net charge-offs (x) | 0.4097% | 4,667 |
| Efficiency ratio | 63.6364% | 5,557 |
| Assets per employee ($millions) | 3.9227% | 4,048 |
| Cash dividends to net income (ytd only)* | -1.7991% | 7,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,893 |
| Loan loss allowance to noncurrent loans | 27.4309% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 4.3201% | 1,574 |
| Noncurrent loans to loans | 5.4806% | 1,281 |
| Net loans and leases to total assets | 68.8647% | 3,186 |
| Net loans and leases to deposits | 88.2168% | 2,188 |
| Net loans and leases to core deposits | 106.4570% | 1,539 |
| Total domestic deposits to total assets | 78.0631% | 6,304 |
| Equity capital to assets | 8.0871% | 6,561 |
| Core capital (leverage) ratio | 7.7073% | 6,617 |
| Tier 1 risk-based capital ratio | 10.7268% | 6,411 |
| Total risk-based capital ratio | 11.9796% | 6,398 |
| Memoranda: | ||
| Average total assets | $152,824,000 | 3,967 |
| Average earning assets | $143,162,500 | 3,884 |
| Average equity | $12,677,000 | 4,546 |
| Average total loans | $108,727,500 | 3,714 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4181% | 4,601 |
| Cost of funding earning assets | 1.8288% | 3,842 |
| Net interest margin | 3.5893% | 4,589 |
| Noninterest income to average assets | 0.4265% | 4,998 |
| Noninterest expense to average assets | 2.4302% | 6,372 |
| Loan and lease loss provision to assets | 0.8057% | 2,724 |
| Net operating income to assets | 0.5234% | 3,635 |
| Return on assets (ROA) | 0.5234% | 3,721 |
| Pretax return on assets | 0.5541% | 4,036 |
| Return on Equity (ROE) | 5.9066% | 3,250 |
| Retained earnings to average equity (ytd only) | 3.7673% | 2,558 |
| Net charge-offs to loans | 0.7012% | 3,082 |
| Credit loss provision to net charge-offs | 151.9054% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.5637% | 3,837 |
| Efficiency ratio | 64.1228% | 5,756 |
| Assets per employee ($millions) | 3.8166% | 4,244 |
| Cash dividends to net income (ytd only)* | 36.2184% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 3,549 |
| Loan loss allowance to noncurrent loans | 40.5884% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 3.2280% | 2,126 |
| Noncurrent loans to loans | 3.7839% | 1,981 |
| Net loans and leases to total assets | 71.2663% | 2,935 |
| Net loans and leases to deposits | 92.6224% | 1,798 |
| Net loans and leases to core deposits | 117.4252% | 2,182 |
| Total domestic deposits to total assets | 76.9428% | 6,495 |
| Equity capital to assets | 8.5036% | 5,873 |
| Core capital (leverage) ratio | 8.2081% | 5,797 |
| Tier 1 risk-based capital ratio | 10.9773% | 5,933 |
| Total risk-based capital ratio | 12.2304% | 5,906 |
| Memoranda: | ||
| Average total assets | $143,483,400 | 4,050 |
| Average earning assets | $134,457,000 | 4,004 |
| Average equity | $12,714,600 | 4,585 |
| Average total loans | $108,533,600 | 3,729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 4,744 |
| Cost of funding earning assets | 1.8906% | 3,928 |
| Net interest margin | 3.5490% | 4,672 |
| Noninterest income to average assets | 0.4476% | 4,914 |
| Noninterest expense to average assets | 2.4477% | 6,260 |
| Loan and lease loss provision to assets | 0.5742% | 3,087 |
| Net operating income to assets | 0.7177% | 3,144 |
| Return on assets (ROA) | 0.7177% | 3,213 |
| Pretax return on assets | 0.7583% | 3,674 |
| Return on Equity (ROE) | 8.0118% | 2,625 |
| Retained earnings to average equity (ytd only) | 5.2498% | 2,343 |
| Net charge-offs to loans | 0.4739% | 3,327 |
| Credit loss provision to net charge-offs | 158.3333% | 3,003 |
| Earnings coverage of net charge-offs (x) | 3.6745% | 3,428 |
| Efficiency ratio | 64.7514% | 5,602 |
| Assets per employee ($millions) | 3.7676% | 4,267 |
| Cash dividends to net income (ytd only)* | 34.4732% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,038 |
| Loan loss allowance to noncurrent loans | 34.9199% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 3.3954% | 1,966 |
| Noncurrent loans to loans | 3.9608% | 1,855 |
| Net loans and leases to total assets | 72.1985% | 2,990 |
| Net loans and leases to deposits | 94.3424% | 1,823 |
| Net loans and leases to core deposits | 126.4157% | 1,700 |
| Total domestic deposits to total assets | 76.5282% | 6,466 |
| Equity capital to assets | 8.6932% | 5,964 |
| Core capital (leverage) ratio | 8.3686% | 5,717 |
| Tier 1 risk-based capital ratio | 11.0793% | 5,871 |
| Total risk-based capital ratio | 12.3308% | 5,829 |
| Memoranda: | ||
| Average total assets | $141,188,250 | 4,111 |
| Average earning assets | $132,580,500 | 4,059 |
| Average equity | $12,647,750 | 4,619 |
| Average total loans | $108,043,250 | 3,773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5362% | 4,407 |
| Cost of funding earning assets | 1.9600% | 3,959 |
| Net interest margin | 3.5763% | 4,461 |
| Noninterest income to average assets | 0.4565% | 4,810 |
| Noninterest expense to average assets | 2.5185% | 6,060 |
| Loan and lease loss provision to assets | 0.5623% | 2,770 |
| Net operating income to assets | 0.6753% | 3,364 |
| Return on assets (ROA) | 0.6753% | 3,476 |
| Pretax return on assets | 0.7231% | 3,922 |
| Return on Equity (ROE) | 7.4580% | 3,002 |
| Retained earnings to average equity (ytd only) | 4.5772% | 2,747 |
| Net charge-offs to loans | 0.4903% | 2,867 |
| Credit loss provision to net charge-offs | 147.5285% | 3,132 |
| Earnings coverage of net charge-offs (x) | 3.3726% | 3,457 |
| Efficiency ratio | 66.2095% | 5,515 |
| Assets per employee ($millions) | 3.6873% | 4,359 |
| Cash dividends to net income (ytd only)* | 38.6266% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,256 |
| Loan loss allowance to noncurrent loans | 26.8334% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 3.8762% | 1,555 |
| Noncurrent loans to loans | 4.8537% | 1,285 |
| Net loans and leases to total assets | 73.3190% | 2,880 |
| Net loans and leases to deposits | 93.5669% | 2,163 |
| Net loans and leases to core deposits | 128.4296% | 1,683 |
| Total domestic deposits to total assets | 78.3600% | 5,983 |
| Equity capital to assets | 8.5280% | 6,008 |
| Core capital (leverage) ratio | 8.5242% | 5,399 |
| Tier 1 risk-based capital ratio | 11.0141% | 5,859 |
| Total risk-based capital ratio | 12.2644% | 5,790 |
| Memoranda: | ||
| Average total assets | $138,016,330 | 4,219 |
| Average earning assets | $129,185,330 | 4,150 |
| Average equity | $12,496,670 | 4,681 |
| Average total loans | $107,280,330 | 3,827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9846% | 2,420 |
| Cost of funding earning assets | 1.9820% | 4,223 |
| Net interest margin | 4.0026% | 2,633 |
| Noninterest income to average assets | 0.5132% | 4,201 |
| Noninterest expense to average assets | 2.5600% | 5,610 |
| Loan and lease loss provision to assets | 0.5102% | 2,434 |
| Net operating income to assets | 1.1045% | 1,947 |
| Return on assets (ROA) | 1.1045% | 2,073 |
| Pretax return on assets | 1.1885% | 2,665 |
| Return on Equity (ROE) | 11.8176% | 1,725 |
| Retained earnings to average equity (ytd only) | 9.2486% | 1,411 |
| Net charge-offs to loans | 0.5276% | 2,133 |
| Credit loss provision to net charge-offs | 121.4286% | 3,245 |
| Earnings coverage of net charge-offs (x) | 4.0429% | 2,993 |
| Efficiency ratio | 60.1128% | 6,389 |
| Assets per employee ($millions) | 3.5101% | 4,796 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 4,413 |
| Loan loss allowance to noncurrent loans | 95.0071% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 4,113 |
| Noncurrent loans to loans | 1.3180% | 4,342 |
| Net loans and leases to total assets | 74.8148% | 2,552 |
| Net loans and leases to deposits | 96.9514% | 1,808 |
| Net loans and leases to core deposits | 125.0363% | 1,994 |
| Total domestic deposits to total assets | 77.1673% | 6,234 |
| Equity capital to assets | 8.9549% | 5,411 |
| Core capital (leverage) ratio | 9.2027% | 4,393 |
| Tier 1 risk-based capital ratio | 11.4036% | 5,504 |
| Total risk-based capital ratio | 12.6245% | 5,431 |
| Memoranda: | ||
| Average total assets | $133,279,000 | 4,343 |
| Average earning assets | $124,719,500 | 4,271 |
| Average equity | $12,456,000 | 4,716 |
| Average total loans | $106,137,500 | 3,880 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6963% | 2,038 |
| Cost of funding earning assets | 2.7415% | 2,970 |
| Net interest margin | 3.9548% | 3,338 |
| Noninterest income to average assets | 0.3291% | 6,090 |
| Noninterest expense to average assets | 2.6350% | 5,507 |
| Loan and lease loss provision to assets | 0.2148% | 4,742 |
| Net operating income to assets | 1.0887% | 2,191 |
| Return on assets (ROA) | 1.0958% | 2,079 |
| Pretax return on assets | 1.1323% | 2,908 |
| Return on Equity (ROE) | 11.4317% | 1,778 |
| Retained earnings to average equity (ytd only) | 8.4892% | 708 |
| Net charge-offs to loans | 0.0872% | 5,495 |
| Credit loss provision to net charge-offs | 301.1364% | 1,495 |
| Earnings coverage of net charge-offs (x) | 18.7841% | 1,679 |
| Efficiency ratio | 66.2928% | 5,063 |
| Assets per employee ($millions) | 3.0769% | 5,843 |
| Cash dividends to net income (ytd only)* | 25.7396% | 4,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 4,317 |
| Loan loss allowance to noncurrent loans | 78.7183% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7986% | 2,731 |
| Noncurrent loans to loans | 1.5619% | 3,446 |
| Net loans and leases to total assets | 82.9129% | 1,058 |
| Net loans and leases to deposits | 110.7584% | 784 |
| Net loans and leases to core deposits | 129.6744% | 1,873 |
| Total domestic deposits to total assets | 74.8593% | 6,485 |
| Equity capital to assets | 9.7809% | 4,320 |
| Core capital (leverage) ratio | 9.5758% | 3,909 |
| Tier 1 risk-based capital ratio | 11.5938% | 5,162 |
| Total risk-based capital ratio | 12.8359% | 5,051 |
| Memoranda: | ||
| Average total assets | $123,378,800 | 4,436 |
| Average earning assets | $113,734,200 | 4,424 |
| Average equity | $11,826,800 | 4,882 |
| Average total loans | $100,885,400 | 3,922 |