Home > Byron Bank > Performance and Condition Ratios
Byron Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 3,070 |
| Cost of funding earning assets | 1.9774% | 943 |
| Net interest margin | 2.5403% | 4,054 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.6287% | 1,929 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5822% | 3,487 |
| Return on assets (ROA) | 0.4959% | 3,679 |
| Pretax return on assets | 0.5359% | 3,752 |
| Return on Equity (ROE) | 7.2200% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.7529% | 3,359 |
| Net charge-offs to loans | -0.0033% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.4856% | 886 |
| Assets per employee ($millions) | 5.2238% | 3,456 |
| Cash dividends to net income (ytd only)* | 61.8460% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 2,627 |
| Loan loss allowance to noncurrent loans | 104.7436% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 733 |
| Noncurrent loans to loans | 1.0832% | 676 |
| Net loans and leases to total assets | 61.9400% | 2,680 |
| Net loans and leases to deposits | 67.4231% | 3,076 |
| Net loans and leases to core deposits | 75.9447% | 2,982 |
| Total domestic deposits to total assets | 91.8700% | 327 |
| Equity capital to assets | 7.4171% | 3,759 |
| Core capital (leverage) ratio | 9.9953% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $342,982,400 | 2,222 |
| Average earning assets | $328,461,400 | 2,184 |
| Average equity | $23,575,400 | 2,594 |
| Average total loans | $211,670,000 | 2,216 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 3,039 |
| Cost of funding earning assets | 1.8033% | 1,001 |
| Net interest margin | 2.6271% | 3,991 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.6340% | 1,844 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6796% | 3,368 |
| Return on assets (ROA) | 0.6796% | 3,355 |
| Pretax return on assets | 0.7080% | 3,533 |
| Return on Equity (ROE) | 10.0900% | 2,609 |
| Retained earnings to average equity (ytd only) | 5.5005% | 2,778 |
| Net charge-offs to loans | -0.0044% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.5399% | 967 |
| Assets per employee ($millions) | 5.2021% | 3,427 |
| Cash dividends to net income (ytd only)* | 45.4754% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,477 |
| Loan loss allowance to noncurrent loans | 100.8988% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 728 |
| Noncurrent loans to loans | 1.1691% | 672 |
| Net loans and leases to total assets | 62.0600% | 2,652 |
| Net loans and leases to deposits | 67.7061% | 2,998 |
| Net loans and leases to core deposits | 76.0934% | 2,859 |
| Total domestic deposits to total assets | 91.6700% | 525 |
| Equity capital to assets | 6.2381% | 3,911 |
| Core capital (leverage) ratio | 10.1392% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $342,535,250 | 2,229 |
| Average earning assets | $327,901,500 | 2,191 |
| Average equity | $23,076,250 | 2,618 |
| Average total loans | $210,582,750 | 2,223 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 3,463 |
| Cost of funding earning assets | 1.6013% | 1,065 |
| Net interest margin | 2.5125% | 4,193 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.6106% | 1,900 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5485% | 3,702 |
| Return on assets (ROA) | 0.5485% | 3,710 |
| Pretax return on assets | 0.5820% | 3,829 |
| Return on Equity (ROE) | 7.9400% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.5543% | 3,331 |
| Net charge-offs to loans | -0.0144% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.7594% | 795 |
| Assets per employee ($millions) | 5.2456% | 3,361 |
| Cash dividends to net income (ytd only)* | 55.2463% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,489 |
| Loan loss allowance to noncurrent loans | 100.5499% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 713 |
| Noncurrent loans to loans | 1.1834% | 595 |
| Net loans and leases to total assets | 60.4900% | 2,729 |
| Net loans and leases to deposits | 65.1744% | 3,113 |
| Net loans and leases to core deposits | 72.5084% | 2,990 |
| Total domestic deposits to total assets | 92.8100% | 281 |
| Equity capital to assets | 6.6521% | 3,926 |
| Core capital (leverage) ratio | 10.2136% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $340,534,333 | 2,238 |
| Average earning assets | $325,975,000 | 2,202 |
| Average equity | $23,521,000 | 2,596 |
| Average total loans | $207,812,000 | 2,235 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 3,459 |
| Cost of funding earning assets | 1.4013% | 1,019 |
| Net interest margin | 2.5957% | 4,211 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.6621% | 1,765 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4727% | 3,964 |
| Return on assets (ROA) | 0.4727% | 3,915 |
| Pretax return on assets | 0.5205% | 3,965 |
| Return on Equity (ROE) | 6.7100% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.3398% | 3,641 |
| Net charge-offs to loans | -0.0274% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.5655% | 735 |
| Assets per employee ($millions) | 5.0849% | 3,586 |
| Cash dividends to net income (ytd only)* | 65.1515% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,280 |
| Loan loss allowance to noncurrent loans | 113.9804% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 706 |
| Noncurrent loans to loans | 1.0985% | 648 |
| Net loans and leases to total assets | 60.1600% | 2,633 |
| Net loans and leases to deposits | 65.0801% | 3,005 |
| Net loans and leases to core deposits | 72.3630% | 2,790 |
| Total domestic deposits to total assets | 92.4400% | 416 |
| Equity capital to assets | 7.1051% | 3,781 |
| Core capital (leverage) ratio | 10.3855% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $335,075,500 | 2,286 |
| Average earning assets | $320,840,000 | 2,250 |
| Average equity | $23,592,000 | 2,619 |
| Average total loans | $204,148,000 | 2,276 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 3,287 |
| Cost of funding earning assets | 0.5259% | 1,231 |
| Net interest margin | 2.8979% | 3,685 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.6555% | 1,663 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9837% | 2,625 |
| Return on assets (ROA) | 0.9837% | 2,579 |
| Pretax return on assets | 1.0383% | 2,947 |
| Return on Equity (ROE) | 12.6800% | 1,912 |
| Retained earnings to average equity (ytd only) | 5.4418% | 2,858 |
| Net charge-offs to loans | -0.0134% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3739% | 1,517 |
| Assets per employee ($millions) | 4.9932% | 3,685 |
| Cash dividends to net income (ytd only)* | 57.0911% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 1,984 |
| Loan loss allowance to noncurrent loans | 112.9702% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 664 |
| Noncurrent loans to loans | 1.1347% | 631 |
| Net loans and leases to total assets | 60.1500% | 2,618 |
| Net loans and leases to deposits | 66.8335% | 2,830 |
| Net loans and leases to core deposits | 73.2634% | 2,625 |
| Total domestic deposits to total assets | 90.0000% | 1,363 |
| Equity capital to assets | 6.9763% | 3,680 |
| Core capital (leverage) ratio | 10.2041% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $336,887,800 | 2,272 |
| Average earning assets | $322,685,400 | 2,227 |
| Average equity | $26,131,000 | 2,525 |
| Average total loans | $193,418,400 | 2,284 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 3,270 |
| Cost of funding earning assets | 0.3051% | 2,109 |
| Net interest margin | 2.9593% | 3,328 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.6593% | 1,565 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9928% | 2,498 |
| Return on assets (ROA) | 0.9928% | 2,472 |
| Pretax return on assets | 1.1054% | 2,703 |
| Return on Equity (ROE) | 12.4900% | 1,880 |
| Retained earnings to average equity (ytd only) | 6.0778% | 2,726 |
| Net charge-offs to loans | -0.0210% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.9761% | 1,764 |
| Assets per employee ($millions) | 5.1115% | 3,582 |
| Cash dividends to net income (ytd only)* | 51.3331% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 1,996 |
| Loan loss allowance to noncurrent loans | 114.1798% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 749 |
| Noncurrent loans to loans | 1.1450% | 647 |
| Net loans and leases to total assets | 57.6900% | 2,733 |
| Net loans and leases to deposits | 66.1642% | 2,705 |
| Net loans and leases to core deposits | 71.5266% | 2,524 |
| Total domestic deposits to total assets | 87.1900% | 2,700 |
| Equity capital to assets | 6.3784% | 3,803 |
| Core capital (leverage) ratio | 10.2556% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $337,473,250 | 2,286 |
| Average earning assets | $323,354,250 | 2,239 |
| Average equity | $26,829,000 | 2,525 |
| Average total loans | $190,814,000 | 2,302 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 3,255 |
| Cost of funding earning assets | 0.2031% | 2,876 |
| Net interest margin | 2.9169% | 3,122 |
| Noninterest income to average assets | 0.9577% | 738 |
| Noninterest expense to average assets | 2.6098% | 1,609 |
| Loan and lease loss provision to assets | 0.0536% | 1,620 |
| Net operating income to assets | 0.9779% | 2,235 |
| Return on assets (ROA) | 0.9779% | 2,210 |
| Pretax return on assets | 1.0911% | 2,436 |
| Return on Equity (ROE) | 11.5266% | 1,826 |
| Retained earnings to average equity (ytd only) | 5.4895% | 2,520 |
| Net charge-offs to loans | -0.0192% | 3,851 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5114% | 2,027 |
| Assets per employee ($millions) | 5.0836% | 3,603 |
| Cash dividends to net income (ytd only)* | 52.3752% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 1,957 |
| Loan loss allowance to noncurrent loans | 272.2048% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 1,778 |
| Noncurrent loans to loans | 0.4958% | 1,637 |
| Net loans and leases to total assets | 55.9077% | 2,769 |
| Net loans and leases to deposits | 63.3822% | 2,777 |
| Net loans and leases to core deposits | 68.2659% | 2,627 |
| Total domestic deposits to total assets | 88.2072% | 2,495 |
| Equity capital to assets | 6.8168% | 3,858 |
| Core capital (leverage) ratio | 10.2646% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,808,000 | 2,303 |
| Average earning assets | $321,985,000 | 2,266 |
| Average equity | $28,490,667 | 2,496 |
| Average total loans | $187,882,667 | 2,318 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0272% | 3,171 |
| Cost of funding earning assets | 0.1915% | 2,920 |
| Net interest margin | 2.8358% | 3,023 |
| Noninterest income to average assets | 1.0545% | 619 |
| Noninterest expense to average assets | 2.7665% | 1,221 |
| Loan and lease loss provision to assets | 0.1080% | 776 |
| Net operating income to assets | 0.7846% | 2,715 |
| Return on assets (ROA) | 0.7846% | 2,710 |
| Pretax return on assets | 0.8986% | 2,781 |
| Return on Equity (ROE) | 8.4043% | 2,550 |
| Retained earnings to average equity (ytd only) | 2.8785% | 3,304 |
| Net charge-offs to loans | -0.1015% | 4,456 |
| Credit loss provision to net charge-offs | -191.4894% | 2,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3227% | 1,821 |
| Assets per employee ($millions) | 4.8605% | 3,877 |
| Cash dividends to net income (ytd only)* | 65.7492% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,766 |
| Loan loss allowance to noncurrent loans | 253.0259% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 1,741 |
| Noncurrent loans to loans | 0.5687% | 1,618 |
| Net loans and leases to total assets | 54.5858% | 2,678 |
| Net loans and leases to deposits | 60.1949% | 2,884 |
| Net loans and leases to core deposits | 66.6633% | 2,563 |
| Total domestic deposits to total assets | 90.6818% | 1,194 |
| Equity capital to assets | 8.6332% | 3,039 |
| Core capital (leverage) ratio | 9.8894% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,412,500 | 2,326 |
| Average earning assets | $319,631,500 | 2,287 |
| Average equity | $31,127,000 | 2,427 |
| Average total loans | $185,311,000 | 2,336 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3606% | 3,026 |
| Cost of funding earning assets | 0.3088% | 2,311 |
| Net interest margin | 3.0517% | 3,048 |
| Noninterest income to average assets | 1.3756% | 577 |
| Noninterest expense to average assets | 2.6042% | 1,857 |
| Loan and lease loss provision to assets | 0.0730% | 1,639 |
| Net operating income to assets | 1.5106% | 986 |
| Return on assets (ROA) | 1.5106% | 1,028 |
| Pretax return on assets | 1.6232% | 1,363 |
| Return on Equity (ROE) | 14.6882% | 1,026 |
| Retained earnings to average equity (ytd only) | 6.8650% | 1,977 |
| Net charge-offs to loans | -0.0041% | 3,507 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5574% | 3,070 |
| Assets per employee ($millions) | 5.1740% | 3,574 |
| Cash dividends to net income (ytd only)* | 53.2622% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,232 |
| Loan loss allowance to noncurrent loans | 177.0922% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 1,423 |
| Noncurrent loans to loans | 0.7517% | 1,355 |
| Net loans and leases to total assets | 55.0316% | 2,728 |
| Net loans and leases to deposits | 61.6662% | 2,915 |
| Net loans and leases to core deposits | 68.0421% | 2,650 |
| Total domestic deposits to total assets | 89.2412% | 1,387 |
| Equity capital to assets | 10.0264% | 2,631 |
| Core capital (leverage) ratio | 9.5989% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,736,000 | 2,299 |
| Average earning assets | $315,065,800 | 2,259 |
| Average equity | $33,809,400 | 2,339 |
| Average total loans | $196,818,200 | 2,252 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 2,951 |
| Cost of funding earning assets | 0.3368% | 2,231 |
| Net interest margin | 3.1162% | 3,012 |
| Noninterest income to average assets | 1.4527% | 570 |
| Noninterest expense to average assets | 2.5961% | 1,846 |
| Loan and lease loss provision to assets | 0.0979% | 1,220 |
| Net operating income to assets | 1.7182% | 797 |
| Return on assets (ROA) | 1.7182% | 833 |
| Pretax return on assets | 1.7439% | 1,294 |
| Return on Equity (ROE) | 16.5994% | 833 |
| Retained earnings to average equity (ytd only) | 9.4899% | 1,493 |
| Net charge-offs to loans | -0.0027% | 3,273 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4980% | 3,194 |
| Assets per employee ($millions) | 5.2585% | 3,446 |
| Cash dividends to net income (ytd only)* | 42.8300% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,286 |
| Loan loss allowance to noncurrent loans | 73.7574% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 638 |
| Noncurrent loans to loans | 1.8146% | 526 |
| Net loans and leases to total assets | 53.7664% | 2,994 |
| Net loans and leases to deposits | 60.2654% | 3,208 |
| Net loans and leases to core deposits | 66.0873% | 2,944 |
| Total domestic deposits to total assets | 89.2160% | 1,164 |
| Equity capital to assets | 10.1968% | 2,715 |
| Core capital (leverage) ratio | 9.9469% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,842,000 | 2,335 |
| Average earning assets | $313,108,750 | 2,284 |
| Average equity | $33,831,750 | 2,374 |
| Average total loans | $199,129,000 | 2,277 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 3,064 |
| Cost of funding earning assets | 0.3604% | 2,230 |
| Net interest margin | 3.0750% | 3,101 |
| Noninterest income to average assets | 1.5895% | 493 |
| Noninterest expense to average assets | 2.5664% | 1,940 |
| Loan and lease loss provision to assets | 0.1119% | 1,134 |
| Net operating income to assets | 1.8263% | 672 |
| Return on assets (ROA) | 1.8263% | 703 |
| Pretax return on assets | 1.8536% | 1,113 |
| Return on Equity (ROE) | 17.5508% | 707 |
| Retained earnings to average equity (ytd only) | 10.5221% | 1,247 |
| Net charge-offs to loans | 0.0501% | 1,121 |
| Credit loss provision to net charge-offs | 352.9412% | 817 |
| Earnings coverage of net charge-offs (x) | 62.0196% | 956 |
| Efficiency ratio | 56.6296% | 3,457 |
| Assets per employee ($millions) | 5.1628% | 3,495 |
| Cash dividends to net income (ytd only)* | 40.0476% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,868 |
| Loan loss allowance to noncurrent loans | 67.7971% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.0941% | 683 |
| Noncurrent loans to loans | 1.7858% | 585 |
| Net loans and leases to total assets | 58.7481% | 2,576 |
| Net loans and leases to deposits | 65.9580% | 2,828 |
| Net loans and leases to core deposits | 72.8707% | 2,531 |
| Total domestic deposits to total assets | 89.0689% | 1,248 |
| Equity capital to assets | 10.3342% | 2,551 |
| Core capital (leverage) ratio | 10.0997% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,855,000 | 2,353 |
| Average earning assets | $307,969,667 | 2,299 |
| Average equity | $33,491,333 | 2,382 |
| Average total loans | $203,416,000 | 2,259 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 2,560 |
| Cost of funding earning assets | 0.3972% | 2,122 |
| Net interest margin | 3.2278% | 2,613 |
| Noninterest income to average assets | 1.7722% | 455 |
| Noninterest expense to average assets | 2.4750% | 2,243 |
| Loan and lease loss provision to assets | 0.1511% | 864 |
| Net operating income to assets | 2.1941% | 424 |
| Return on assets (ROA) | 2.1941% | 461 |
| Pretax return on assets | 2.2269% | 659 |
| Return on Equity (ROE) | 21.0107% | 468 |
| Retained earnings to average equity (ytd only) | 12.6643% | 985 |
| Net charge-offs to loans | 0.1025% | 676 |
| Credit loss provision to net charge-offs | 226.4151% | 850 |
| Earnings coverage of net charge-offs (x) | 35.6226% | 1,022 |
| Efficiency ratio | 50.9992% | 4,093 |
| Assets per employee ($millions) | 4.9106% | 3,754 |
| Cash dividends to net income (ytd only)* | 39.7245% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,298 |
| Loan loss allowance to noncurrent loans | 157.2301% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 1,928 |
| Noncurrent loans to loans | 0.7175% | 1,808 |
| Net loans and leases to total assets | 62.6284% | 2,213 |
| Net loans and leases to deposits | 71.7642% | 2,336 |
| Net loans and leases to core deposits | 79.3998% | 2,061 |
| Total domestic deposits to total assets | 87.2697% | 2,195 |
| Equity capital to assets | 10.2974% | 2,436 |
| Core capital (leverage) ratio | 9.9552% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,574,500 | 2,354 |
| Average earning assets | $303,114,000 | 2,309 |
| Average equity | $33,164,000 | 2,388 |
| Average total loans | $206,878,000 | 2,229 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 3,365 |
| Cost of funding earning assets | 0.7645% | 1,373 |
| Net interest margin | 3.0137% | 3,854 |
| Noninterest income to average assets | 1.7344% | 419 |
| Noninterest expense to average assets | 2.7796% | 2,000 |
| Loan and lease loss provision to assets | 0.3644% | 918 |
| Net operating income to assets | 1.4311% | 948 |
| Return on assets (ROA) | 1.4314% | 1,037 |
| Pretax return on assets | 1.4519% | 1,503 |
| Return on Equity (ROE) | 13.8903% | 841 |
| Retained earnings to average equity (ytd only) | 8.7946% | 825 |
| Net charge-offs to loans | 0.1620% | 1,015 |
| Credit loss provision to net charge-offs | 349.1961% | 1,583 |
| Earnings coverage of net charge-offs (x) | 17.4019% | 2,076 |
| Efficiency ratio | 60.4848% | 3,386 |
| Assets per employee ($millions) | 4.8601% | 3,536 |
| Cash dividends to net income (ytd only)* | 36.6854% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,562 |
| Loan loss allowance to noncurrent loans | 152.5424% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 1,980 |
| Noncurrent loans to loans | 0.7076% | 1,926 |
| Net loans and leases to total assets | 66.2954% | 2,050 |
| Net loans and leases to deposits | 75.8825% | 2,295 |
| Net loans and leases to core deposits | 84.7851% | 1,964 |
| Total domestic deposits to total assets | 87.3659% | 1,759 |
| Equity capital to assets | 10.5945% | 2,594 |
| Core capital (leverage) ratio | 9.6549% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,032,800 | 2,298 |
| Average earning assets | $282,939,400 | 2,272 |
| Average equity | $30,712,000 | 2,450 |
| Average total loans | $192,034,000 | 2,308 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 3,807 |
| Cost of funding earning assets | 0.8428% | 1,290 |
| Net interest margin | 2.8524% | 4,261 |
| Noninterest income to average assets | 1.6532% | 437 |
| Noninterest expense to average assets | 2.6880% | 2,295 |
| Loan and lease loss provision to assets | 0.3894% | 929 |
| Net operating income to assets | 1.2651% | 1,434 |
| Return on assets (ROA) | 1.2655% | 1,553 |
| Pretax return on assets | 1.2841% | 2,116 |
| Return on Equity (ROE) | 12.3728% | 1,281 |
| Retained earnings to average equity (ytd only) | 7.7960% | 1,373 |
| Net charge-offs to loans | 0.2171% | 706 |
| Credit loss provision to net charge-offs | 281.3725% | 1,822 |
| Earnings coverage of net charge-offs (x) | 12.0882% | 2,266 |
| Efficiency ratio | 61.6366% | 3,132 |
| Assets per employee ($millions) | 5.2457% | 2,955 |
| Cash dividends to net income (ytd only)* | 36.9907% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 3,844 |
| Loan loss allowance to noncurrent loans | 40.1901% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 463 |
| Noncurrent loans to loans | 2.3925% | 457 |
| Net loans and leases to total assets | 64.2878% | 2,738 |
| Net loans and leases to deposits | 72.7852% | 3,059 |
| Net loans and leases to core deposits | 80.7250% | 2,782 |
| Total domestic deposits to total assets | 88.3253% | 1,046 |
| Equity capital to assets | 9.8566% | 3,373 |
| Core capital (leverage) ratio | 9.4991% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,779,250 | 2,303 |
| Average earning assets | $279,847,000 | 2,275 |
| Average equity | $30,151,500 | 2,467 |
| Average total loans | $187,927,500 | 2,349 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 3,981 |
| Cost of funding earning assets | 0.9474% | 1,160 |
| Net interest margin | 2.8021% | 4,446 |
| Noninterest income to average assets | 1.4995% | 468 |
| Noninterest expense to average assets | 2.6954% | 2,397 |
| Loan and lease loss provision to assets | 0.4996% | 721 |
| Net operating income to assets | 0.9423% | 2,530 |
| Return on assets (ROA) | 0.9430% | 2,656 |
| Pretax return on assets | 0.9591% | 3,152 |
| Return on Equity (ROE) | 9.0933% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.4179% | 2,741 |
| Net charge-offs to loans | 0.2997% | 531 |
| Credit loss provision to net charge-offs | 262.9630% | 1,715 |
| Earnings coverage of net charge-offs (x) | 7.6852% | 2,347 |
| Efficiency ratio | 64.8960% | 2,675 |
| Assets per employee ($millions) | 4.9633% | 3,212 |
| Cash dividends to net income (ytd only)* | 51.4158% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,782 |
| Loan loss allowance to noncurrent loans | 33.2119% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9864% | 361 |
| Noncurrent loans to loans | 2.8738% | 360 |
| Net loans and leases to total assets | 65.6040% | 2,684 |
| Net loans and leases to deposits | 74.7772% | 2,999 |
| Net loans and leases to core deposits | 83.1707% | 2,675 |
| Total domestic deposits to total assets | 87.7326% | 1,314 |
| Equity capital to assets | 10.2486% | 2,971 |
| Core capital (leverage) ratio | 9.7052% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,628,000 | 2,339 |
| Average earning assets | $269,581,333 | 2,307 |
| Average equity | $29,516,333 | 2,495 |
| Average total loans | $180,198,333 | 2,397 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 3,693 |
| Cost of funding earning assets | 1.0668% | 1,160 |
| Net interest margin | 2.9685% | 4,336 |
| Noninterest income to average assets | 1.1830% | 624 |
| Noninterest expense to average assets | 2.6143% | 2,939 |
| Loan and lease loss provision to assets | 0.5966% | 468 |
| Net operating income to assets | 0.7621% | 3,048 |
| Return on assets (ROA) | 0.7621% | 3,126 |
| Pretax return on assets | 0.7795% | 3,468 |
| Return on Equity (ROE) | 7.3018% | 2,830 |
| Retained earnings to average equity (ytd only) | 2.5035% | 3,262 |
| Net charge-offs to loans | -0.0071% | 3,959 |
| Credit loss provision to net charge-offs | -13,700.0000% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5147% | 3,027 |
| Assets per employee ($millions) | 4.3661% | 3,453 |
| Cash dividends to net income (ytd only)* | 65.7143% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,103 |
| Loan loss allowance to noncurrent loans | 43.4453% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 614 |
| Noncurrent loans to loans | 2.5717% | 452 |
| Net loans and leases to total assets | 59.8299% | 3,513 |
| Net loans and leases to deposits | 67.1832% | 3,778 |
| Net loans and leases to core deposits | 74.3719% | 3,612 |
| Total domestic deposits to total assets | 89.0548% | 636 |
| Equity capital to assets | 10.1550% | 3,646 |
| Core capital (leverage) ratio | 10.2259% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,561,000 | 2,349 |
| Average earning assets | $260,601,500 | 2,319 |
| Average equity | $28,760,000 | 2,529 |
| Average total loans | $170,028,500 | 2,451 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 3,607 |
| Cost of funding earning assets | 1.1484% | 1,162 |
| Net interest margin | 3.1261% | 4,329 |
| Noninterest income to average assets | 1.2868% | 568 |
| Noninterest expense to average assets | 2.8240% | 2,524 |
| Loan and lease loss provision to assets | 0.1586% | 1,319 |
| Net operating income to assets | 1.2413% | 1,900 |
| Return on assets (ROA) | 1.2563% | 1,930 |
| Pretax return on assets | 1.2725% | 2,605 |
| Return on Equity (ROE) | 11.8763% | 1,562 |
| Retained earnings to average equity (ytd only) | 4.7834% | 2,544 |
| Net charge-offs to loans | 0.1671% | 1,209 |
| Credit loss provision to net charge-offs | 159.6958% | 1,614 |
| Earnings coverage of net charge-offs (x) | 14.2586% | 2,293 |
| Efficiency ratio | 66.6043% | 2,678 |
| Assets per employee ($millions) | 4.1799% | 3,655 |
| Cash dividends to net income (ytd only)* | 59.7235% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 4,115 |
| Loan loss allowance to noncurrent loans | 52.4911% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 1,067 |
| Noncurrent loans to loans | 1.6434% | 847 |
| Net loans and leases to total assets | 62.3906% | 3,363 |
| Net loans and leases to deposits | 70.7723% | 3,610 |
| Net loans and leases to core deposits | 77.4897% | 3,479 |
| Total domestic deposits to total assets | 88.1569% | 1,056 |
| Equity capital to assets | 10.7268% | 3,239 |
| Core capital (leverage) ratio | 10.1169% | 3,396 |
| Tier 1 risk-based capital ratio | 15.6006% | 2,541 |
| Total risk-based capital ratio | 16.4291% | 2,642 |
| Memoranda: | ||
| Average total assets | $264,834,200 | 2,364 |
| Average earning assets | $250,182,600 | 2,337 |
| Average equity | $28,013,800 | 2,492 |
| Average total loans | $157,405,800 | 2,541 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 3,787 |
| Cost of funding earning assets | 1.1224% | 1,268 |
| Net interest margin | 3.1365% | 4,421 |
| Noninterest income to average assets | 1.3109% | 543 |
| Noninterest expense to average assets | 2.7257% | 2,789 |
| Loan and lease loss provision to assets | 0.1672% | 1,112 |
| Net operating income to assets | 1.3628% | 1,606 |
| Return on assets (ROA) | 1.3829% | 1,591 |
| Pretax return on assets | 1.4006% | 2,313 |
| Return on Equity (ROE) | 13.1209% | 1,230 |
| Retained earnings to average equity (ytd only) | 5.8945% | 2,421 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7851% | 3,042 |
| Assets per employee ($millions) | 4.1170% | 3,736 |
| Cash dividends to net income (ytd only)* | 55.0751% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,489 |
| Loan loss allowance to noncurrent loans | 66.8560% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9901% | 1,360 |
| Noncurrent loans to loans | 1.5172% | 994 |
| Net loans and leases to total assets | 58.3044% | 3,845 |
| Net loans and leases to deposits | 65.7021% | 4,086 |
| Net loans and leases to core deposits | 71.8485% | 3,960 |
| Total domestic deposits to total assets | 88.7405% | 719 |
| Equity capital to assets | 10.5316% | 3,517 |
| Core capital (leverage) ratio | 10.4023% | 3,197 |
| Tier 1 risk-based capital ratio | 16.1188% | 2,382 |
| Total risk-based capital ratio | 17.0793% | 2,439 |
| Memoranda: | ||
| Average total assets | $263,119,500 | 2,391 |
| Average earning assets | $248,510,250 | 2,363 |
| Average equity | $27,731,250 | 2,524 |
| Average total loans | $154,010,750 | 2,607 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 3,726 |
| Cost of funding earning assets | 1.0924% | 1,327 |
| Net interest margin | 3.1789% | 4,402 |
| Noninterest income to average assets | 1.2608% | 546 |
| Noninterest expense to average assets | 2.8121% | 2,544 |
| Loan and lease loss provision to assets | 0.2086% | 812 |
| Net operating income to assets | 1.2279% | 2,044 |
| Return on assets (ROA) | 1.2585% | 1,988 |
| Pretax return on assets | 1.2724% | 2,666 |
| Return on Equity (ROE) | 11.9377% | 1,599 |
| Retained earnings to average equity (ytd only) | 3.8400% | 3,322 |
| Net charge-offs to loans | 0.0265% | 2,322 |
| Credit loss provision to net charge-offs | 1,350.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 93.8500% | 729 |
| Efficiency ratio | 65.9779% | 2,806 |
| Assets per employee ($millions) | 4.0653% | 3,784 |
| Cash dividends to net income (ytd only)* | 67.8330% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 3,657 |
| Loan loss allowance to noncurrent loans | 73.3053% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 1,521 |
| Noncurrent loans to loans | 1.3572% | 1,145 |
| Net loans and leases to total assets | 59.0493% | 3,818 |
| Net loans and leases to deposits | 66.6818% | 4,048 |
| Net loans and leases to core deposits | 73.0181% | 3,942 |
| Total domestic deposits to total assets | 88.5539% | 856 |
| Equity capital to assets | 10.7172% | 3,330 |
| Core capital (leverage) ratio | 10.3712% | 3,221 |
| Tier 1 risk-based capital ratio | 16.0374% | 2,396 |
| Total risk-based capital ratio | 16.9703% | 2,476 |
| Memoranda: | ||
| Average total assets | $258,880,330 | 2,430 |
| Average earning assets | $244,426,000 | 2,397 |
| Average equity | $27,291,670 | 2,548 |
| Average total loans | $151,190,000 | 2,645 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 3,880 |
| Cost of funding earning assets | 1.0611% | 1,332 |
| Net interest margin | 3.1354% | 4,521 |
| Noninterest income to average assets | 1.4567% | 406 |
| Noninterest expense to average assets | 2.7682% | 2,682 |
| Loan and lease loss provision to assets | 0.1874% | 877 |
| Net operating income to assets | 1.4489% | 1,238 |
| Return on assets (ROA) | 1.4489% | 1,268 |
| Pretax return on assets | 1.4629% | 1,882 |
| Return on Equity (ROE) | 13.8624% | 998 |
| Retained earnings to average equity (ytd only) | 4.6158% | 3,076 |
| Net charge-offs to loans | 0.0297% | 1,862 |
| Credit loss provision to net charge-offs | 1,090.9091% | 347 |
| Earnings coverage of net charge-offs (x) | 96.0909% | 683 |
| Efficiency ratio | 62.6502% | 3,440 |
| Assets per employee ($millions) | 3.8684% | 4,101 |
| Cash dividends to net income (ytd only)* | 66.7026% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 3,945 |
| Loan loss allowance to noncurrent loans | 97.9410% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 1,983 |
| Noncurrent loans to loans | 0.9752% | 1,714 |
| Net loans and leases to total assets | 57.9603% | 3,897 |
| Net loans and leases to deposits | 65.6580% | 4,083 |
| Net loans and leases to core deposits | 72.3200% | 3,919 |
| Total domestic deposits to total assets | 88.2761% | 1,205 |
| Equity capital to assets | 10.7780% | 3,068 |
| Core capital (leverage) ratio | 10.5490% | 2,997 |
| Tier 1 risk-based capital ratio | 16.0833% | 2,400 |
| Total risk-based capital ratio | 16.9415% | 2,496 |
| Memoranda: | ||
| Average total assets | $256,197,000 | 2,476 |
| Average earning assets | $242,008,500 | 2,434 |
| Average equity | $26,777,500 | 2,587 |
| Average total loans | $147,983,000 | 2,715 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,317 |
| Cost of funding earning assets | 0.8306% | 1,387 |
| Net interest margin | 3.0509% | 4,729 |
| Noninterest income to average assets | 1.1365% | 711 |
| Noninterest expense to average assets | 2.5688% | 3,416 |
| Loan and lease loss provision to assets | 0.1284% | 1,713 |
| Net operating income to assets | 1.3007% | 1,799 |
| Return on assets (ROA) | 1.3303% | 1,674 |
| Pretax return on assets | 1.3486% | 2,322 |
| Return on Equity (ROE) | 13.3729% | 1,210 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,352 |
| Net charge-offs to loans | 0.1505% | 1,278 |
| Credit loss provision to net charge-offs | 158.6538% | 1,747 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 2,168 |
| Efficiency ratio | 63.9659% | 3,199 |
| Assets per employee ($millions) | 3.9550% | 3,956 |
| Cash dividends to net income (ytd only)* | 69.9239% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,164 |
| Loan loss allowance to noncurrent loans | 119.7094% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 2,322 |
| Noncurrent loans to loans | 0.7512% | 2,121 |
| Net loans and leases to total assets | 56.4961% | 4,093 |
| Net loans and leases to deposits | 64.4710% | 4,225 |
| Net loans and leases to core deposits | 71.4488% | 4,032 |
| Total domestic deposits to total assets | 87.6302% | 1,475 |
| Equity capital to assets | 10.1281% | 3,547 |
| Core capital (leverage) ratio | 10.2592% | 3,294 |
| Tier 1 risk-based capital ratio | 15.9397% | 2,428 |
| Total risk-based capital ratio | 16.7345% | 2,550 |
| Memoranda: | ||
| Average total assets | $256,925,600 | 2,428 |
| Average earning assets | $242,482,600 | 2,398 |
| Average equity | $25,559,200 | 2,601 |
| Average total loans | $138,234,800 | 2,786 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 4,546 |
| Cost of funding earning assets | 0.7629% | 1,519 |
| Net interest margin | 2.9899% | 4,863 |
| Noninterest income to average assets | 1.1320% | 733 |
| Noninterest expense to average assets | 2.4986% | 3,606 |
| Loan and lease loss provision to assets | 0.1246% | 1,614 |
| Net operating income to assets | 1.3130% | 1,807 |
| Return on assets (ROA) | 1.3531% | 1,659 |
| Pretax return on assets | 1.3728% | 2,332 |
| Return on Equity (ROE) | 13.6633% | 1,213 |
| Retained earnings to average equity (ytd only) | 3.6792% | 3,928 |
| Net charge-offs to loans | 0.1694% | 976 |
| Credit loss provision to net charge-offs | 138.7283% | 1,818 |
| Earnings coverage of net charge-offs (x) | 16.2255% | 2,175 |
| Efficiency ratio | 63.1676% | 3,309 |
| Assets per employee ($millions) | 4.2903% | 3,436 |
| Cash dividends to net income (ytd only)* | 73.0727% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 4,332 |
| Loan loss allowance to noncurrent loans | 35.6276% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 884 |
| Noncurrent loans to loans | 2.4775% | 527 |
| Net loans and leases to total assets | 52.4703% | 4,460 |
| Net loans and leases to deposits | 58.2720% | 4,633 |
| Net loans and leases to core deposits | 63.9678% | 4,518 |
| Total domestic deposits to total assets | 90.0437% | 497 |
| Equity capital to assets | 9.2348% | 4,341 |
| Core capital (leverage) ratio | 10.1600% | 3,453 |
| Tier 1 risk-based capital ratio | 15.7413% | 2,554 |
| Total risk-based capital ratio | 16.5029% | 2,684 |
| Memoranda: | ||
| Average total assets | $256,887,500 | 2,443 |
| Average earning assets | $242,590,000 | 2,407 |
| Average equity | $25,439,750 | 2,620 |
| Average total loans | $136,154,250 | 2,829 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 4,558 |
| Cost of funding earning assets | 0.7056% | 1,589 |
| Net interest margin | 3.0048% | 4,874 |
| Noninterest income to average assets | 1.1719% | 699 |
| Noninterest expense to average assets | 2.5339% | 3,540 |
| Loan and lease loss provision to assets | 0.1426% | 1,358 |
| Net operating income to assets | 1.3104% | 1,732 |
| Return on assets (ROA) | 1.3787% | 1,510 |
| Pretax return on assets | 1.3985% | 2,153 |
| Return on Equity (ROE) | 13.5941% | 1,184 |
| Retained earnings to average equity (ytd only) | 1.9922% | 4,463 |
| Net charge-offs to loans | 0.2047% | 778 |
| Credit loss provision to net charge-offs | 131.3869% | 1,710 |
| Earnings coverage of net charge-offs (x) | 13.5620% | 2,141 |
| Efficiency ratio | 63.2516% | 3,422 |
| Assets per employee ($millions) | 4.2004% | 3,582 |
| Cash dividends to net income (ytd only)* | 85.3448% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 4,267 |
| Loan loss allowance to noncurrent loans | 35.2089% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.5536% | 843 |
| Noncurrent loans to loans | 2.6015% | 482 |
| Net loans and leases to total assets | 51.4647% | 4,510 |
| Net loans and leases to deposits | 57.4134% | 4,674 |
| Net loans and leases to core deposits | 63.0947% | 4,546 |
| Total domestic deposits to total assets | 89.6389% | 692 |
| Equity capital to assets | 9.6650% | 3,950 |
| Core capital (leverage) ratio | 10.2922% | 3,245 |
| Tier 1 risk-based capital ratio | 16.1933% | 2,371 |
| Total risk-based capital ratio | 16.9753% | 2,486 |
| Memoranda: | ||
| Average total assets | $252,419,330 | 2,484 |
| Average earning assets | $238,083,000 | 2,451 |
| Average equity | $25,599,330 | 2,618 |
| Average total loans | $133,843,670 | 2,870 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 4,399 |
| Cost of funding earning assets | 0.6837% | 1,531 |
| Net interest margin | 3.0491% | 4,797 |
| Noninterest income to average assets | 1.1159% | 752 |
| Noninterest expense to average assets | 2.4443% | 3,831 |
| Loan and lease loss provision to assets | 0.1449% | 1,285 |
| Net operating income to assets | 1.3800% | 1,395 |
| Return on assets (ROA) | 1.3816% | 1,408 |
| Pretax return on assets | 1.4009% | 1,994 |
| Return on Equity (ROE) | 13.2951% | 1,184 |
| Retained earnings to average equity (ytd only) | 5.5474% | 2,929 |
| Net charge-offs to loans | 0.4236% | 366 |
| Credit loss provision to net charge-offs | 63.8298% | 1,875 |
| Earnings coverage of net charge-offs (x) | 6.8014% | 2,136 |
| Efficiency ratio | 61.2838% | 3,903 |
| Assets per employee ($millions) | 4.1810% | 3,684 |
| Cash dividends to net income (ytd only)* | 58.2751% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,584 |
| Loan loss allowance to noncurrent loans | 66.8808% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 1,658 |
| Noncurrent loans to loans | 1.2917% | 1,393 |
| Net loans and leases to total assets | 53.2656% | 4,344 |
| Net loans and leases to deposits | 59.8726% | 4,478 |
| Net loans and leases to core deposits | 66.8988% | 4,260 |
| Total domestic deposits to total assets | 88.9649% | 1,107 |
| Equity capital to assets | 10.2750% | 3,308 |
| Core capital (leverage) ratio | 10.4015% | 3,063 |
| Tier 1 risk-based capital ratio | 17.1755% | 2,065 |
| Total risk-based capital ratio | 17.9388% | 2,161 |
| Memoranda: | ||
| Average total assets | $248,416,500 | 2,529 |
| Average earning assets | $234,034,500 | 2,501 |
| Average equity | $25,814,000 | 2,630 |
| Average total loans | $133,132,500 | 2,900 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 4,450 |
| Cost of funding earning assets | 0.5897% | 1,676 |
| Net interest margin | 3.0601% | 4,771 |
| Noninterest income to average assets | 1.1052% | 836 |
| Noninterest expense to average assets | 2.5889% | 3,480 |
| Loan and lease loss provision to assets | 0.1276% | 1,794 |
| Net operating income to assets | 1.2414% | 1,387 |
| Return on assets (ROA) | 1.2405% | 1,406 |
| Pretax return on assets | 1.2576% | 2,518 |
| Return on Equity (ROE) | 11.8887% | 1,237 |
| Retained earnings to average equity (ytd only) | 3.9292% | 2,845 |
| Net charge-offs to loans | 0.0491% | 2,807 |
| Credit loss provision to net charge-offs | 508.0645% | 607 |
| Earnings coverage of net charge-offs (x) | 55.1774% | 1,017 |
| Efficiency ratio | 65.1310% | 3,418 |
| Assets per employee ($millions) | 4.3130% | 3,463 |
| Cash dividends to net income (ytd only)* | 66.9497% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,499 |
| Loan loss allowance to noncurrent loans | 104.7285% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 2,182 |
| Noncurrent loans to loans | 0.8540% | 2,086 |
| Net loans and leases to total assets | 52.9789% | 4,447 |
| Net loans and leases to deposits | 59.6969% | 4,586 |
| Net loans and leases to core deposits | 66.9232% | 4,367 |
| Total domestic deposits to total assets | 88.7466% | 1,116 |
| Equity capital to assets | 10.5062% | 3,165 |
| Core capital (leverage) ratio | 10.2182% | 3,168 |
| Tier 1 risk-based capital ratio | 16.8874% | 2,129 |
| Total risk-based capital ratio | 17.6824% | 2,221 |
| Memoranda: | ||
| Average total assets | $246,826,200 | 2,511 |
| Average earning assets | $231,464,200 | 2,486 |
| Average equity | $25,755,600 | 2,623 |
| Average total loans | $126,330,200 | 2,975 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 4,562 |
| Cost of funding earning assets | 0.5662% | 1,765 |
| Net interest margin | 3.0330% | 4,847 |
| Noninterest income to average assets | 1.1057% | 832 |
| Noninterest expense to average assets | 2.5203% | 3,665 |
| Loan and lease loss provision to assets | 0.1220% | 1,776 |
| Net operating income to assets | 1.2873% | 1,384 |
| Return on assets (ROA) | 1.2862% | 1,410 |
| Pretax return on assets | 1.3046% | 2,462 |
| Return on Equity (ROE) | 12.3475% | 1,230 |
| Retained earnings to average equity (ytd only) | 1.6807% | 4,754 |
| Net charge-offs to loans | 0.0064% | 3,504 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 438.9888% | 223 |
| Efficiency ratio | 63.8386% | 3,578 |
| Assets per employee ($millions) | 4.4651% | 3,214 |
| Cash dividends to net income (ytd only)* | 86.3887% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,653 |
| Loan loss allowance to noncurrent loans | 104.0286% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 2,134 |
| Noncurrent loans to loans | 0.8451% | 2,250 |
| Net loans and leases to total assets | 50.5873% | 4,662 |
| Net loans and leases to deposits | 56.7433% | 4,825 |
| Net loans and leases to core deposits | 63.6572% | 4,619 |
| Total domestic deposits to total assets | 89.1511% | 804 |
| Equity capital to assets | 10.0643% | 3,836 |
| Core capital (leverage) ratio | 9.9772% | 3,594 |
| Tier 1 risk-based capital ratio | 16.3127% | 2,372 |
| Total risk-based capital ratio | 17.0796% | 2,513 |
| Memoranda: | ||
| Average total assets | $245,993,750 | 2,535 |
| Average earning assets | $230,525,250 | 2,510 |
| Average equity | $25,624,000 | 2,656 |
| Average total loans | $124,481,250 | 3,024 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 4,509 |
| Cost of funding earning assets | 0.5486% | 1,786 |
| Net interest margin | 3.0525% | 4,785 |
| Noninterest income to average assets | 1.0494% | 924 |
| Noninterest expense to average assets | 2.5995% | 3,432 |
| Loan and lease loss provision to assets | 0.1117% | 1,833 |
| Net operating income to assets | 1.1760% | 1,684 |
| Return on assets (ROA) | 1.1743% | 1,730 |
| Pretax return on assets | 1.1917% | 2,798 |
| Return on Equity (ROE) | 11.1393% | 1,587 |
| Retained earnings to average equity (ytd only) | -0.9499% | 5,227 |
| Net charge-offs to loans | 0.0131% | 2,992 |
| Credit loss provision to net charge-offs | 1,687.5000% | 244 |
| Earnings coverage of net charge-offs (x) | 197.1250% | 415 |
| Efficiency ratio | 66.5748% | 3,249 |
| Assets per employee ($millions) | 4.2449% | 3,530 |
| Cash dividends to net income (ytd only)* | 108.5271% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,803 |
| Loan loss allowance to noncurrent loans | 103.8835% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 2,185 |
| Noncurrent loans to loans | 0.8223% | 2,347 |
| Net loans and leases to total assets | 50.4401% | 4,677 |
| Net loans and leases to deposits | 56.8302% | 4,815 |
| Net loans and leases to core deposits | 64.0542% | 4,602 |
| Total domestic deposits to total assets | 88.7558% | 1,078 |
| Equity capital to assets | 10.4737% | 3,378 |
| Core capital (leverage) ratio | 9.9855% | 3,556 |
| Tier 1 risk-based capital ratio | 16.9298% | 2,171 |
| Total risk-based capital ratio | 17.6761% | 2,299 |
| Memoranda: | ||
| Average total assets | $241,666,330 | 2,581 |
| Average earning assets | $226,041,330 | 2,574 |
| Average equity | $25,477,330 | 2,671 |
| Average total loans | $121,918,000 | 3,064 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 4,442 |
| Cost of funding earning assets | 0.5397% | 1,789 |
| Net interest margin | 3.0539% | 4,778 |
| Noninterest income to average assets | 1.0827% | 852 |
| Noninterest expense to average assets | 2.4929% | 3,833 |
| Loan and lease loss provision to assets | 0.1003% | 1,888 |
| Net operating income to assets | 1.3267% | 1,172 |
| Return on assets (ROA) | 1.3267% | 1,204 |
| Pretax return on assets | 1.3451% | 2,076 |
| Return on Equity (ROE) | 12.5422% | 1,103 |
| Retained earnings to average equity (ytd only) | 4.3282% | 3,261 |
| Net charge-offs to loans | -0.0266% | 4,870 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3008% | 3,941 |
| Assets per employee ($millions) | 4.1200% | 3,804 |
| Cash dividends to net income (ytd only)* | 65.4912% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 4,961 |
| Loan loss allowance to noncurrent loans | 66.8651% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 1,783 |
| Noncurrent loans to loans | 1.2538% | 1,610 |
| Net loans and leases to total assets | 49.1957% | 4,734 |
| Net loans and leases to deposits | 55.4546% | 4,851 |
| Net loans and leases to core deposits | 63.2701% | 4,579 |
| Total domestic deposits to total assets | 88.7136% | 1,311 |
| Equity capital to assets | 10.5332% | 3,150 |
| Core capital (leverage) ratio | 10.3458% | 3,066 |
| Tier 1 risk-based capital ratio | 17.8302% | 1,931 |
| Total risk-based capital ratio | 18.5611% | 2,037 |
| Memoranda: | ||
| Average total assets | $239,396,000 | 2,619 |
| Average earning assets | $223,846,500 | 2,606 |
| Average equity | $25,322,500 | 2,690 |
| Average total loans | $120,248,500 | 3,104 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 4,542 |
| Cost of funding earning assets | 0.5114% | 2,000 |
| Net interest margin | 3.0757% | 4,789 |
| Noninterest income to average assets | 1.2692% | 704 |
| Noninterest expense to average assets | 2.8375% | 2,889 |
| Loan and lease loss provision to assets | 0.0902% | 2,561 |
| Net operating income to assets | 1.1998% | 1,515 |
| Return on assets (ROA) | 1.2239% | 1,518 |
| Pretax return on assets | 1.2415% | 2,509 |
| Return on Equity (ROE) | 11.1652% | 1,518 |
| Retained earnings to average equity (ytd only) | 3.9143% | 3,143 |
| Net charge-offs to loans | 0.3294% | 836 |
| Credit loss provision to net charge-offs | 53.7500% | 3,333 |
| Earnings coverage of net charge-offs (x) | 7.7925% | 2,964 |
| Efficiency ratio | 68.4578% | 3,167 |
| Assets per employee ($millions) | 3.9951% | 3,977 |
| Cash dividends to net income (ytd only)* | 64.9417% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 5,145 |
| Loan loss allowance to noncurrent loans | 57.2904% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 1,526 |
| Noncurrent loans to loans | 1.3728% | 1,493 |
| Net loans and leases to total assets | 50.4675% | 4,730 |
| Net loans and leases to deposits | 56.9515% | 4,859 |
| Net loans and leases to core deposits | 65.5214% | 4,553 |
| Total domestic deposits to total assets | 88.6149% | 1,316 |
| Equity capital to assets | 10.6236% | 3,013 |
| Core capital (leverage) ratio | 10.0849% | 3,385 |
| Tier 1 risk-based capital ratio | 17.3600% | 2,040 |
| Total risk-based capital ratio | 18.0311% | 2,186 |
| Memoranda: | ||
| Average total assets | $238,412,400 | 2,595 |
| Average earning assets | $222,907,200 | 2,569 |
| Average equity | $26,134,800 | 2,625 |
| Average total loans | $121,435,000 | 3,047 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,617 |
| Cost of funding earning assets | 0.5009% | 2,097 |
| Net interest margin | 3.0761% | 4,840 |
| Noninterest income to average assets | 1.2419% | 753 |
| Noninterest expense to average assets | 2.7465% | 3,187 |
| Loan and lease loss provision to assets | 0.0669% | 2,882 |
| Net operating income to assets | 1.2874% | 1,332 |
| Return on assets (ROA) | 1.3178% | 1,322 |
| Pretax return on assets | 1.3362% | 2,284 |
| Return on Equity (ROE) | 11.9303% | 1,348 |
| Retained earnings to average equity (ytd only) | 2.3628% | 4,497 |
| Net charge-offs to loans | 0.0919% | 2,034 |
| Credit loss provision to net charge-offs | 142.8571% | 1,836 |
| Earnings coverage of net charge-offs (x) | 29.2969% | 1,513 |
| Efficiency ratio | 66.6802% | 3,472 |
| Assets per employee ($millions) | 4.3669% | 3,304 |
| Cash dividends to net income (ytd only)* | 80.1945% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 4,703 |
| Loan loss allowance to noncurrent loans | 71.6749% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 1,965 |
| Noncurrent loans to loans | 1.3125% | 1,690 |
| Net loans and leases to total assets | 50.1219% | 4,812 |
| Net loans and leases to deposits | 56.8161% | 4,946 |
| Net loans and leases to core deposits | 65.2310% | 4,655 |
| Total domestic deposits to total assets | 88.2178% | 1,288 |
| Equity capital to assets | 10.9869% | 3,022 |
| Core capital (leverage) ratio | 9.9470% | 3,631 |
| Tier 1 risk-based capital ratio | 16.9954% | 2,228 |
| Total risk-based capital ratio | 17.8253% | 2,338 |
| Memoranda: | ||
| Average total assets | $239,087,500 | 2,596 |
| Average earning assets | $223,608,250 | 2,567 |
| Average equity | $26,408,250 | 2,626 |
| Average total loans | $121,818,500 | 3,039 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 4,581 |
| Cost of funding earning assets | 0.4961% | 2,132 |
| Net interest margin | 3.1055% | 4,819 |
| Noninterest income to average assets | 1.2003% | 784 |
| Noninterest expense to average assets | 2.8272% | 2,930 |
| Loan and lease loss provision to assets | 0.0253% | 3,632 |
| Net operating income to assets | 1.2370% | 1,473 |
| Return on assets (ROA) | 1.2821% | 1,435 |
| Pretax return on assets | 1.3006% | 2,408 |
| Return on Equity (ROE) | 11.5864% | 1,451 |
| Retained earnings to average equity (ytd only) | 1.0741% | 4,957 |
| Net charge-offs to loans | 0.1403% | 1,483 |
| Credit loss provision to net charge-offs | 35.2941% | 2,813 |
| Earnings coverage of net charge-offs (x) | 17.8706% | 1,858 |
| Efficiency ratio | 68.8282% | 3,183 |
| Assets per employee ($millions) | 4.1929% | 3,580 |
| Cash dividends to net income (ytd only)* | 90.7298% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 5,055 |
| Loan loss allowance to noncurrent loans | 88.6045% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 1,981 |
| Noncurrent loans to loans | 0.9816% | 2,317 |
| Net loans and leases to total assets | 51.1686% | 4,751 |
| Net loans and leases to deposits | 58.1920% | 4,889 |
| Net loans and leases to core deposits | 66.2996% | 4,586 |
| Total domestic deposits to total assets | 87.9308% | 1,469 |
| Equity capital to assets | 11.2395% | 2,807 |
| Core capital (leverage) ratio | 9.8125% | 3,801 |
| Tier 1 risk-based capital ratio | 16.5035% | 2,427 |
| Total risk-based capital ratio | 17.2567% | 2,576 |
| Memoranda: | ||
| Average total assets | $237,268,000 | 2,623 |
| Average earning assets | $222,119,330 | 2,591 |
| Average equity | $26,255,000 | 2,645 |
| Average total loans | $121,179,670 | 3,056 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,807 |
| Cost of funding earning assets | 0.4828% | 2,248 |
| Net interest margin | 3.0502% | 4,996 |
| Noninterest income to average assets | 1.1641% | 814 |
| Noninterest expense to average assets | 2.6446% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3562% | 1,123 |
| Return on assets (ROA) | 1.4399% | 1,013 |
| Pretax return on assets | 1.4585% | 1,725 |
| Return on Equity (ROE) | 13.1168% | 1,013 |
| Retained earnings to average equity (ytd only) | 5.9496% | 2,398 |
| Net charge-offs to loans | -0.0266% | 5,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8105% | 3,837 |
| Assets per employee ($millions) | 4.0951% | 3,780 |
| Cash dividends to net income (ytd only)* | 54.6416% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,917 |
| Loan loss allowance to noncurrent loans | 75.1820% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.3052% | 1,644 |
| Noncurrent loans to loans | 1.2469% | 1,940 |
| Net loans and leases to total assets | 50.5423% | 4,756 |
| Net loans and leases to deposits | 57.1842% | 4,906 |
| Net loans and leases to core deposits | 65.5962% | 4,563 |
| Total domestic deposits to total assets | 88.3851% | 1,416 |
| Equity capital to assets | 11.0735% | 2,858 |
| Core capital (leverage) ratio | 10.0970% | 3,426 |
| Tier 1 risk-based capital ratio | 17.2840% | 2,184 |
| Total risk-based capital ratio | 18.1106% | 2,284 |
| Memoranda: | ||
| Average total assets | $236,404,000 | 2,640 |
| Average earning assets | $221,232,500 | 2,610 |
| Average equity | $25,951,500 | 2,663 |
| Average total loans | $120,087,500 | 3,085 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 4,653 |
| Cost of funding earning assets | 0.4738% | 2,407 |
| Net interest margin | 3.1340% | 4,825 |
| Noninterest income to average assets | 1.1817% | 857 |
| Noninterest expense to average assets | 2.9757% | 2,625 |
| Loan and lease loss provision to assets | 0.0131% | 4,150 |
| Net operating income to assets | 1.1039% | 1,909 |
| Return on assets (ROA) | 1.1043% | 1,975 |
| Pretax return on assets | 1.1183% | 2,969 |
| Return on Equity (ROE) | 10.0658% | 1,985 |
| Retained earnings to average equity (ytd only) | 4.3851% | 2,850 |
| Net charge-offs to loans | 0.2354% | 1,265 |
| Credit loss provision to net charge-offs | 10.6762% | 3,818 |
| Earnings coverage of net charge-offs (x) | 9.2028% | 2,850 |
| Efficiency ratio | 72.4601% | 2,835 |
| Assets per employee ($millions) | 3.9880% | 3,960 |
| Cash dividends to net income (ytd only)* | 56.4356% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 4,881 |
| Loan loss allowance to noncurrent loans | 73.8703% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 1,533 |
| Noncurrent loans to loans | 1.2833% | 1,834 |
| Net loans and leases to total assets | 50.0931% | 4,860 |
| Net loans and leases to deposits | 56.5652% | 5,012 |
| Net loans and leases to core deposits | 64.6777% | 4,694 |
| Total domestic deposits to total assets | 88.5581% | 1,348 |
| Equity capital to assets | 10.8809% | 2,960 |
| Core capital (leverage) ratio | 10.0159% | 3,487 |
| Tier 1 risk-based capital ratio | 17.1644% | 2,231 |
| Total risk-based capital ratio | 17.9929% | 2,328 |
| Memoranda: | ||
| Average total assets | $228,653,600 | 2,678 |
| Average earning assets | $213,398,600 | 2,648 |
| Average equity | $25,085,000 | 2,685 |
| Average total loans | $119,362,200 | 3,058 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6217% | 4,663 |
| Cost of funding earning assets | 0.4698% | 2,502 |
| Net interest margin | 3.1519% | 4,816 |
| Noninterest income to average assets | 1.2059% | 829 |
| Noninterest expense to average assets | 2.8911% | 2,878 |
| Loan and lease loss provision to assets | 0.0176% | 3,925 |
| Net operating income to assets | 1.2206% | 1,584 |
| Return on assets (ROA) | 1.2206% | 1,648 |
| Pretax return on assets | 1.2370% | 2,667 |
| Return on Equity (ROE) | 11.1021% | 1,671 |
| Retained earnings to average equity (ytd only) | 3.4887% | 3,985 |
| Net charge-offs to loans | 0.0480% | 2,934 |
| Credit loss provision to net charge-offs | 69.7674% | 2,773 |
| Earnings coverage of net charge-offs (x) | 49.6761% | 1,060 |
| Efficiency ratio | 69.7365% | 3,249 |
| Assets per employee ($millions) | 3.9138% | 4,051 |
| Cash dividends to net income (ytd only)* | 68.5754% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 4,087 |
| Loan loss allowance to noncurrent loans | 75.4279% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1558% | 2,056 |
| Noncurrent loans to loans | 1.4918% | 1,683 |
| Net loans and leases to total assets | 51.9810% | 4,761 |
| Net loans and leases to deposits | 58.7568% | 4,937 |
| Net loans and leases to core deposits | 67.3953% | 4,592 |
| Total domestic deposits to total assets | 88.4682% | 1,306 |
| Equity capital to assets | 10.9888% | 3,041 |
| Core capital (leverage) ratio | 9.9006% | 3,769 |
| Tier 1 risk-based capital ratio | 17.0936% | 2,343 |
| Total risk-based capital ratio | 18.1123% | 2,381 |
| Memoranda: | ||
| Average total assets | $226,993,500 | 2,710 |
| Average earning assets | $211,720,250 | 2,679 |
| Average equity | $24,955,750 | 2,720 |
| Average total loans | $119,454,250 | 3,081 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,728 |
| Cost of funding earning assets | 0.4650% | 2,560 |
| Net interest margin | 3.1296% | 4,886 |
| Noninterest income to average assets | 1.1742% | 878 |
| Noninterest expense to average assets | 2.8810% | 2,959 |
| Loan and lease loss provision to assets | 0.0266% | 3,605 |
| Net operating income to assets | 1.1671% | 1,712 |
| Return on assets (ROA) | 1.1671% | 1,783 |
| Pretax return on assets | 1.1831% | 2,845 |
| Return on Equity (ROE) | 10.6141% | 1,807 |
| Retained earnings to average equity (ytd only) | 2.0712% | 4,667 |
| Net charge-offs to loans | 0.0488% | 2,732 |
| Credit loss provision to net charge-offs | 103.4483% | 2,006 |
| Earnings coverage of net charge-offs (x) | 47.0690% | 1,001 |
| Efficiency ratio | 70.4289% | 3,269 |
| Assets per employee ($millions) | 3.7242% | 4,376 |
| Cash dividends to net income (ytd only)* | 80.4860% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 4,098 |
| Loan loss allowance to noncurrent loans | 75.1225% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2897% | 1,954 |
| Noncurrent loans to loans | 1.5262% | 1,739 |
| Net loans and leases to total assets | 52.3757% | 4,721 |
| Net loans and leases to deposits | 59.1020% | 4,925 |
| Net loans and leases to core deposits | 66.8389% | 4,583 |
| Total domestic deposits to total assets | 88.6191% | 1,346 |
| Equity capital to assets | 10.8342% | 3,070 |
| Core capital (leverage) ratio | 9.8993% | 3,741 |
| Tier 1 risk-based capital ratio | 17.5233% | 2,208 |
| Total risk-based capital ratio | 18.5968% | 2,231 |
| Memoranda: | ||
| Average total assets | $225,685,670 | 2,743 |
| Average earning assets | $210,316,330 | 2,707 |
| Average equity | $24,816,000 | 2,737 |
| Average total loans | $118,806,000 | 3,107 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 4,774 |
| Cost of funding earning assets | 0.4718% | 2,546 |
| Net interest margin | 3.0998% | 4,953 |
| Noninterest income to average assets | 1.1256% | 885 |
| Noninterest expense to average assets | 3.0479% | 2,431 |
| Loan and lease loss provision to assets | 0.0533% | 2,875 |
| Net operating income to assets | 0.8998% | 2,739 |
| Return on assets (ROA) | 0.8998% | 2,868 |
| Pretax return on assets | 0.9105% | 3,847 |
| Return on Equity (ROE) | 8.1228% | 2,897 |
| Retained earnings to average equity (ytd only) | 0.7384% | 5,156 |
| Net charge-offs to loans | -0.0237% | 5,122 |
| Credit loss provision to net charge-offs | -428.5714% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9752% | 2,517 |
| Assets per employee ($millions) | 3.8021% | 4,332 |
| Cash dividends to net income (ytd only)* | 90.9091% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 4,042 |
| Loan loss allowance to noncurrent loans | 98.4017% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.1006% | 2,434 |
| Noncurrent loans to loans | 1.2082% | 2,357 |
| Net loans and leases to total assets | 52.4648% | 4,616 |
| Net loans and leases to deposits | 59.4331% | 4,785 |
| Net loans and leases to core deposits | 66.4983% | 4,469 |
| Total domestic deposits to total assets | 88.2753% | 1,675 |
| Equity capital to assets | 11.1790% | 2,779 |
| Core capital (leverage) ratio | 9.8871% | 3,769 |
| Tier 1 risk-based capital ratio | 17.2218% | 2,400 |
| Total risk-based capital ratio | 18.3146% | 2,415 |
| Memoranda: | ||
| Average total assets | $224,939,500 | 2,767 |
| Average earning assets | $209,432,000 | 2,735 |
| Average equity | $24,917,500 | 2,758 |
| Average total loans | $118,026,000 | 3,125 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 5,022 |
| Cost of funding earning assets | 0.4876% | 2,804 |
| Net interest margin | 3.1353% | 5,110 |
| Noninterest income to average assets | 1.1558% | 903 |
| Noninterest expense to average assets | 2.9658% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0796% | 2,055 |
| Return on assets (ROA) | 1.0823% | 2,098 |
| Pretax return on assets | 1.0967% | 3,096 |
| Return on Equity (ROE) | 10.2093% | 2,022 |
| Retained earnings to average equity (ytd only) | 4.3791% | 3,061 |
| Net charge-offs to loans | 0.2169% | 1,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.8980% | 2,682 |
| Efficiency ratio | 73.0526% | 3,021 |
| Assets per employee ($millions) | 3.8230% | 4,305 |
| Cash dividends to net income (ytd only)* | 57.1071% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 4,127 |
| Loan loss allowance to noncurrent loans | 112.1138% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 2,599 |
| Noncurrent loans to loans | 1.0518% | 2,720 |
| Net loans and leases to total assets | 51.2363% | 4,855 |
| Net loans and leases to deposits | 57.6713% | 5,085 |
| Net loans and leases to core deposits | 65.0968% | 4,746 |
| Total domestic deposits to total assets | 88.8418% | 1,327 |
| Equity capital to assets | 10.9764% | 2,918 |
| Core capital (leverage) ratio | 9.8107% | 3,823 |
| Tier 1 risk-based capital ratio | 16.8465% | 2,578 |
| Total risk-based capital ratio | 17.8897% | 2,606 |
| Memoranda: | ||
| Average total assets | $221,657,200 | 2,765 |
| Average earning assets | $205,307,800 | 2,750 |
| Average equity | $23,498,200 | 2,800 |
| Average total loans | $112,929,400 | 3,161 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 5,133 |
| Cost of funding earning assets | 0.4857% | 2,902 |
| Net interest margin | 3.1171% | 5,207 |
| Noninterest income to average assets | 1.1449% | 914 |
| Noninterest expense to average assets | 2.9308% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0845% | 2,091 |
| Return on assets (ROA) | 1.0875% | 2,154 |
| Pretax return on assets | 1.1020% | 3,180 |
| Return on Equity (ROE) | 10.3520% | 2,053 |
| Retained earnings to average equity (ytd only) | 2.4730% | 4,813 |
| Net charge-offs to loans | 0.0739% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 29.3403% | 1,389 |
| Efficiency ratio | 72.7286% | 3,056 |
| Assets per employee ($millions) | 4.1000% | 3,670 |
| Cash dividends to net income (ytd only)* | 76.1111% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 3,384 |
| Loan loss allowance to noncurrent loans | 90.7612% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3129% | 2,357 |
| Noncurrent loans to loans | 1.4917% | 2,177 |
| Net loans and leases to total assets | 47.8583% | 5,217 |
| Net loans and leases to deposits | 53.3604% | 5,430 |
| Net loans and leases to core deposits | 60.0226% | 5,186 |
| Total domestic deposits to total assets | 89.6888% | 882 |
| Equity capital to assets | 10.1384% | 4,003 |
| Core capital (leverage) ratio | 9.5411% | 4,318 |
| Tier 1 risk-based capital ratio | 16.5493% | 2,797 |
| Total risk-based capital ratio | 17.7423% | 2,769 |
| Memoranda: | ||
| Average total assets | $220,682,250 | 2,794 |
| Average earning assets | $204,243,000 | 2,782 |
| Average equity | $23,183,250 | 2,836 |
| Average total loans | $111,925,250 | 3,196 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 4,925 |
| Cost of funding earning assets | 0.4977% | 2,855 |
| Net interest margin | 3.1818% | 5,002 |
| Noninterest income to average assets | 1.1946% | 819 |
| Noninterest expense to average assets | 2.9882% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1294% | 1,821 |
| Return on assets (ROA) | 1.1294% | 1,915 |
| Pretax return on assets | 1.1443% | 2,906 |
| Return on Equity (ROE) | 10.6144% | 1,888 |
| Retained earnings to average equity (ytd only) | 1.9148% | 4,924 |
| Net charge-offs to loans | -0.0361% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3098% | 3,282 |
| Assets per employee ($millions) | 3.8345% | 4,189 |
| Cash dividends to net income (ytd only)* | 81.9605% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 3,006 |
| Loan loss allowance to noncurrent loans | 88.6731% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 2,161 |
| Noncurrent loans to loans | 1.6644% | 2,081 |
| Net loans and leases to total assets | 48.5115% | 5,130 |
| Net loans and leases to deposits | 54.3024% | 5,331 |
| Net loans and leases to core deposits | 60.8419% | 5,068 |
| Total domestic deposits to total assets | 89.3358% | 1,191 |
| Equity capital to assets | 10.4949% | 3,445 |
| Core capital (leverage) ratio | 10.0054% | 3,605 |
| Tier 1 risk-based capital ratio | 16.8467% | 2,689 |
| Total risk-based capital ratio | 18.0479% | 2,673 |
| Memoranda: | ||
| Average total assets | $214,976,330 | 2,866 |
| Average earning assets | $198,506,000 | 2,852 |
| Average equity | $22,874,670 | 2,863 |
| Average total loans | $110,777,330 | 3,228 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 4,488 |
| Cost of funding earning assets | 0.5280% | 2,629 |
| Net interest margin | 3.2718% | 4,659 |
| Noninterest income to average assets | 1.1483% | 844 |
| Noninterest expense to average assets | 3.2081% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9458% | 2,426 |
| Return on assets (ROA) | 0.9458% | 2,496 |
| Pretax return on assets | 0.9592% | 3,477 |
| Return on Equity (ROE) | 8.8233% | 2,541 |
| Retained earnings to average equity (ytd only) | 0.9804% | 5,204 |
| Net charge-offs to loans | -0.0253% | 5,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9830% | 2,654 |
| Assets per employee ($millions) | 3.6044% | 4,708 |
| Cash dividends to net income (ytd only)* | 88.8889% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 3,182 |
| Loan loss allowance to noncurrent loans | 84.4640% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.6853% | 2,094 |
| Noncurrent loans to loans | 1.7637% | 2,185 |
| Net loans and leases to total assets | 50.7181% | 4,827 |
| Net loans and leases to deposits | 56.9534% | 5,039 |
| Net loans and leases to core deposits | 64.4170% | 4,658 |
| Total domestic deposits to total assets | 89.0519% | 1,624 |
| Equity capital to assets | 10.7722% | 2,959 |
| Core capital (leverage) ratio | 10.1709% | 3,323 |
| Tier 1 risk-based capital ratio | 17.1415% | 2,625 |
| Total risk-based capital ratio | 18.3505% | 2,591 |
| Memoranda: | ||
| Average total assets | $209,348,000 | 2,943 |
| Average earning assets | $193,167,000 | 2,929 |
| Average equity | $22,440,500 | 2,897 |
| Average total loans | $110,469,500 | 3,253 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 5,020 |
| Cost of funding earning assets | 0.5839% | 2,795 |
| Net interest margin | 3.1513% | 5,159 |
| Noninterest income to average assets | 1.4938% | 632 |
| Noninterest expense to average assets | 3.2842% | 2,184 |
| Loan and lease loss provision to assets | 0.1509% | 2,393 |
| Net operating income to assets | 0.9328% | 2,632 |
| Return on assets (ROA) | 0.9333% | 2,713 |
| Pretax return on assets | 0.9458% | 3,578 |
| Return on Equity (ROE) | 8.7650% | 2,662 |
| Retained earnings to average equity (ytd only) | 1.6222% | 5,060 |
| Net charge-offs to loans | 0.3033% | 2,171 |
| Credit loss provision to net charge-offs | 95.3079% | 2,626 |
| Earnings coverage of net charge-offs (x) | 6.9238% | 2,951 |
| Efficiency ratio | 74.9735% | 2,956 |
| Assets per employee ($millions) | 3.3232% | 5,237 |
| Cash dividends to net income (ytd only)* | 81.4925% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 3,388 |
| Loan loss allowance to noncurrent loans | 85.7898% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.7594% | 2,109 |
| Noncurrent loans to loans | 1.6985% | 2,365 |
| Net loans and leases to total assets | 53.3047% | 4,678 |
| Net loans and leases to deposits | 60.3411% | 4,912 |
| Net loans and leases to core deposits | 68.9030% | 4,403 |
| Total domestic deposits to total assets | 88.3390% | 1,987 |
| Equity capital to assets | 10.6645% | 2,962 |
| Core capital (leverage) ratio | 10.1299% | 3,388 |
| Tier 1 risk-based capital ratio | 16.8131% | 2,703 |
| Total risk-based capital ratio | 18.0235% | 2,680 |
| Memoranda: | ||
| Average total assets | $215,363,800 | 2,856 |
| Average earning assets | $197,282,200 | 2,860 |
| Average equity | $22,932,000 | 2,832 |
| Average total loans | $112,447,200 | 3,200 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 5,218 |
| Cost of funding earning assets | 0.5888% | 2,912 |
| Net interest margin | 3.0919% | 5,339 |
| Noninterest income to average assets | 1.6010% | 571 |
| Noninterest expense to average assets | 3.3477% | 1,954 |
| Loan and lease loss provision to assets | 0.1990% | 1,825 |
| Net operating income to assets | 0.8697% | 2,994 |
| Return on assets (ROA) | 0.8703% | 3,103 |
| Pretax return on assets | 0.8819% | 3,958 |
| Return on Equity (ROE) | 8.1764% | 3,035 |
| Retained earnings to average equity (ytd only) | 1.0530% | 5,551 |
| Net charge-offs to loans | 0.2295% | 2,431 |
| Credit loss provision to net charge-offs | 167.5258% | 1,424 |
| Earnings coverage of net charge-offs (x) | 9.0928% | 2,526 |
| Efficiency ratio | 75.6017% | 2,790 |
| Assets per employee ($millions) | 3.5680% | 4,719 |
| Cash dividends to net income (ytd only)* | 87.1220% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,061 |
| Loan loss allowance to noncurrent loans | 93.0636% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 2,279 |
| Noncurrent loans to loans | 1.7051% | 2,639 |
| Net loans and leases to total assets | 48.8609% | 5,262 |
| Net loans and leases to deposits | 54.3426% | 5,503 |
| Net loans and leases to core deposits | 61.0730% | 5,208 |
| Total domestic deposits to total assets | 89.9127% | 1,049 |
| Equity capital to assets | 9.9165% | 4,026 |
| Core capital (leverage) ratio | 9.6285% | 4,206 |
| Tier 1 risk-based capital ratio | 16.6291% | 2,888 |
| Total risk-based capital ratio | 17.8441% | 2,860 |
| Memoranda: | ||
| Average total assets | $217,695,250 | 2,859 |
| Average earning assets | $199,055,000 | 2,864 |
| Average equity | $23,171,750 | 2,827 |
| Average total loans | $112,696,000 | 3,215 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 5,074 |
| Cost of funding earning assets | 0.5975% | 2,968 |
| Net interest margin | 3.1251% | 5,204 |
| Noninterest income to average assets | 1.7081% | 566 |
| Noninterest expense to average assets | 3.2815% | 2,124 |
| Loan and lease loss provision to assets | 0.3019% | 1,191 |
| Net operating income to assets | 0.9585% | 2,520 |
| Return on assets (ROA) | 0.9595% | 2,665 |
| Pretax return on assets | 0.9725% | 3,627 |
| Return on Equity (ROE) | 8.8045% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.5371% | 4,070 |
| Net charge-offs to loans | 0.2707% | 2,122 |
| Credit loss provision to net charge-offs | 212.4183% | 1,138 |
| Earnings coverage of net charge-offs (x) | 8.9608% | 2,344 |
| Efficiency ratio | 72.0432% | 3,460 |
| Assets per employee ($millions) | 3.2985% | 5,266 |
| Cash dividends to net income (ytd only)* | 59.8258% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 2,978 |
| Loan loss allowance to noncurrent loans | 68.3258% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.4452% | 1,741 |
| Noncurrent loans to loans | 2.4151% | 1,939 |
| Net loans and leases to total assets | 51.1579% | 4,977 |
| Net loans and leases to deposits | 57.3942% | 5,211 |
| Net loans and leases to core deposits | 64.7012% | 4,817 |
| Total domestic deposits to total assets | 89.1344% | 1,550 |
| Equity capital to assets | 10.6789% | 3,086 |
| Core capital (leverage) ratio | 9.9882% | 3,545 |
| Tier 1 risk-based capital ratio | 17.1038% | 2,678 |
| Total risk-based capital ratio | 18.3214% | 2,658 |
| Memoranda: | ||
| Average total assets | $215,331,330 | 2,901 |
| Average earning assets | $196,151,670 | 2,911 |
| Average equity | $23,465,330 | 2,826 |
| Average total loans | $113,060,000 | 3,210 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 5,035 |
| Cost of funding earning assets | 0.6050% | 3,068 |
| Net interest margin | 3.1303% | 5,161 |
| Noninterest income to average assets | 1.6924% | 549 |
| Noninterest expense to average assets | 3.4216% | 1,780 |
| Loan and lease loss provision to assets | 0.4139% | 738 |
| Net operating income to assets | 0.6935% | 3,723 |
| Return on assets (ROA) | 0.6935% | 3,868 |
| Pretax return on assets | 0.7027% | 4,567 |
| Return on Equity (ROE) | 6.3028% | 3,879 |
| Retained earnings to average equity (ytd only) | 3.0427% | 4,454 |
| Net charge-offs to loans | 0.3697% | 1,533 |
| Credit loss provision to net charge-offs | 212.2642% | 1,042 |
| Earnings coverage of net charge-offs (x) | 5.7264% | 2,330 |
| Efficiency ratio | 75.3952% | 3,024 |
| Assets per employee ($millions) | 3.3085% | 5,414 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,469 |
| Loan loss allowance to noncurrent loans | 71.5041% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 3.1274% | 1,411 |
| Noncurrent loans to loans | 2.2141% | 2,373 |
| Net loans and leases to total assets | 51.6407% | 4,753 |
| Net loans and leases to deposits | 58.3409% | 4,994 |
| Net loans and leases to core deposits | 66.2896% | 4,496 |
| Total domestic deposits to total assets | 88.5154% | 1,997 |
| Equity capital to assets | 11.2882% | 2,646 |
| Core capital (leverage) ratio | 9.7225% | 3,762 |
| Tier 1 risk-based capital ratio | 16.4613% | 3,027 |
| Total risk-based capital ratio | 17.6820% | 2,997 |
| Memoranda: | ||
| Average total assets | $217,443,500 | 2,908 |
| Average earning assets | $197,683,500 | 2,922 |
| Average equity | $23,926,000 | 2,808 |
| Average total loans | $114,685,000 | 3,188 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 5,222 |
| Cost of funding earning assets | 0.7385% | 3,176 |
| Net interest margin | 3.2866% | 5,296 |
| Noninterest income to average assets | 1.7720% | 524 |
| Noninterest expense to average assets | 3.1309% | 2,843 |
| Loan and lease loss provision to assets | 0.8292% | 574 |
| Net operating income to assets | 0.8437% | 3,076 |
| Return on assets (ROA) | 0.9016% | 3,048 |
| Pretax return on assets | 0.9142% | 3,876 |
| Return on Equity (ROE) | 8.7161% | 2,781 |
| Retained earnings to average equity (ytd only) | 5.6436% | 2,288 |
| Net charge-offs to loans | 1.7824% | 460 |
| Credit loss provision to net charge-offs | 82.2981% | 3,752 |
| Earnings coverage of net charge-offs (x) | 1.6721% | 4,603 |
| Efficiency ratio | 65.0144% | 4,698 |
| Assets per employee ($millions) | 3.5420% | 4,920 |
| Cash dividends to net income (ytd only)* | 35.2504% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 4,230 |
| Loan loss allowance to noncurrent loans | 63.7884% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 3.3535% | 1,371 |
| Noncurrent loans to loans | 2.1739% | 2,496 |
| Net loans and leases to total assets | 52.2647% | 4,890 |
| Net loans and leases to deposits | 58.6795% | 5,167 |
| Net loans and leases to core deposits | 67.3849% | 4,603 |
| Total domestic deposits to total assets | 89.0680% | 1,516 |
| Equity capital to assets | 10.7330% | 3,237 |
| Core capital (leverage) ratio | 9.2060% | 4,574 |
| Tier 1 risk-based capital ratio | 15.4865% | 3,430 |
| Total risk-based capital ratio | 16.7099% | 3,413 |
| Memoranda: | ||
| Average total assets | $223,703,800 | 2,800 |
| Average earning assets | $207,176,200 | 2,776 |
| Average equity | $23,141,200 | 2,835 |
| Average total loans | $126,458,000 | 2,940 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 5,405 |
| Cost of funding earning assets | 0.7653% | 3,229 |
| Net interest margin | 3.2732% | 5,477 |
| Noninterest income to average assets | 1.6136% | 570 |
| Noninterest expense to average assets | 2.9145% | 3,538 |
| Loan and lease loss provision to assets | 0.9262% | 469 |
| Net operating income to assets | 0.8072% | 3,416 |
| Return on assets (ROA) | 0.8107% | 3,636 |
| Pretax return on assets | 0.8232% | 4,403 |
| Return on Equity (ROE) | 7.9106% | 3,316 |
| Retained earnings to average equity (ytd only) | 3.7781% | 4,234 |
| Net charge-offs to loans | 1.7275% | 470 |
| Credit loss provision to net charge-offs | 93.3934% | 3,197 |
| Earnings coverage of net charge-offs (x) | 1.7604% | 4,387 |
| Efficiency ratio | 62.5383% | 5,068 |
| Assets per employee ($millions) | 3.6990% | 4,546 |
| Cash dividends to net income (ytd only)* | 52.2412% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,688 |
| Loan loss allowance to noncurrent loans | 50.4446% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 3.6191% | 1,379 |
| Noncurrent loans to loans | 3.0949% | 1,796 |
| Net loans and leases to total assets | 53.9049% | 4,761 |
| Net loans and leases to deposits | 60.3587% | 5,164 |
| Net loans and leases to core deposits | 69.5025% | 4,561 |
| Total domestic deposits to total assets | 89.3077% | 1,236 |
| Equity capital to assets | 10.5044% | 3,841 |
| Core capital (leverage) ratio | 8.9871% | 5,089 |
| Tier 1 risk-based capital ratio | 14.6553% | 4,084 |
| Total risk-based capital ratio | 15.8871% | 4,056 |
| Memoranda: | ||
| Average total assets | $223,844,000 | 2,814 |
| Average earning assets | $208,356,000 | 2,784 |
| Average equity | $22,939,000 | 2,883 |
| Average total loans | $128,506,250 | 2,950 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 5,280 |
| Cost of funding earning assets | 0.8103% | 3,110 |
| Net interest margin | 3.3013% | 5,436 |
| Noninterest income to average assets | 1.5973% | 583 |
| Noninterest expense to average assets | 2.7584% | 4,184 |
| Loan and lease loss provision to assets | 0.9899% | 447 |
| Net operating income to assets | 0.9291% | 2,764 |
| Return on assets (ROA) | 0.9335% | 3,011 |
| Pretax return on assets | 0.9487% | 3,891 |
| Return on Equity (ROE) | 9.1868% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.5632% | 2,950 |
| Net charge-offs to loans | 2.2788% | 324 |
| Credit loss provision to net charge-offs | 74.5111% | 3,466 |
| Earnings coverage of net charge-offs (x) | 1.4558% | 4,270 |
| Efficiency ratio | 58.7820% | 5,761 |
| Assets per employee ($millions) | 3.6889% | 4,543 |
| Cash dividends to net income (ytd only)* | 39.4434% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,718 |
| Loan loss allowance to noncurrent loans | 35.4687% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 2.7542% | 2,001 |
| Noncurrent loans to loans | 3.7679% | 1,494 |
| Net loans and leases to total assets | 55.4041% | 4,563 |
| Net loans and leases to deposits | 61.9886% | 4,993 |
| Net loans and leases to core deposits | 71.5560% | 4,348 |
| Total domestic deposits to total assets | 89.3779% | 1,289 |
| Equity capital to assets | 10.4544% | 3,741 |
| Core capital (leverage) ratio | 8.9526% | 4,982 |
| Tier 1 risk-based capital ratio | 15.2163% | 3,620 |
| Total risk-based capital ratio | 16.4467% | 3,595 |
| Memoranda: | ||
| Average total assets | $223,246,000 | 2,838 |
| Average earning assets | $209,313,330 | 2,772 |
| Average equity | $22,684,670 | 2,890 |
| Average total loans | $130,155,330 | 2,923 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 5,228 |
| Cost of funding earning assets | 0.8581% | 3,008 |
| Net interest margin | 3.3085% | 5,442 |
| Noninterest income to average assets | 1.6003% | 564 |
| Noninterest expense to average assets | 2.6922% | 4,449 |
| Loan and lease loss provision to assets | 0.8028% | 615 |
| Net operating income to assets | 1.1919% | 1,758 |
| Return on assets (ROA) | 1.2007% | 1,915 |
| Pretax return on assets | 1.2168% | 2,848 |
| Return on Equity (ROE) | 11.9871% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.8014% | 2,050 |
| Net charge-offs to loans | 2.4765% | 336 |
| Credit loss provision to net charge-offs | 54.6117% | 3,206 |
| Earnings coverage of net charge-offs (x) | 1.3677% | 3,644 |
| Efficiency ratio | 57.2458% | 6,012 |
| Assets per employee ($millions) | 3.6877% | 4,681 |
| Cash dividends to net income (ytd only)* | 34.9183% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 5,183 |
| Loan loss allowance to noncurrent loans | 45.1342% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.4223% | 2,440 |
| Noncurrent loans to loans | 2.8013% | 2,308 |
| Net loans and leases to total assets | 57.8016% | 4,066 |
| Net loans and leases to deposits | 64.4345% | 4,573 |
| Net loans and leases to core deposits | 74.4490% | 3,840 |
| Total domestic deposits to total assets | 89.7060% | 1,240 |
| Equity capital to assets | 10.1144% | 3,975 |
| Core capital (leverage) ratio | 8.8534% | 5,062 |
| Tier 1 risk-based capital ratio | 14.5371% | 4,076 |
| Total risk-based capital ratio | 15.7521% | 4,064 |
| Memoranda: | ||
| Average total assets | $224,203,000 | 2,841 |
| Average earning assets | $210,243,500 | 2,771 |
| Average equity | $22,457,500 | 2,921 |
| Average total loans | $133,089,000 | 2,887 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 4,579 |
| Cost of funding earning assets | 1.0436% | 3,073 |
| Net interest margin | 3.5792% | 4,812 |
| Noninterest income to average assets | 0.9597% | 1,475 |
| Noninterest expense to average assets | 2.4661% | 5,579 |
| Loan and lease loss provision to assets | 1.4162% | 544 |
| Net operating income to assets | 0.4177% | 4,783 |
| Return on assets (ROA) | 0.5795% | 4,284 |
| Pretax return on assets | 0.5876% | 4,730 |
| Return on Equity (ROE) | 6.3114% | 3,732 |
| Retained earnings to average equity (ytd only) | 0.8849% | 5,448 |
| Net charge-offs to loans | 1.9204% | 743 |
| Credit loss provision to net charge-offs | 119.7343% | 2,667 |
| Earnings coverage of net charge-offs (x) | 1.5560% | 4,604 |
| Efficiency ratio | 57.2650% | 6,157 |
| Assets per employee ($millions) | 3.6633% | 4,636 |
| Cash dividends to net income (ytd only)* | 85.9799% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 3,954 |
| Loan loss allowance to noncurrent loans | 53.4890% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.8142% | 3,239 |
| Noncurrent loans to loans | 2.8344% | 2,315 |
| Net loans and leases to total assets | 59.2731% | 4,138 |
| Net loans and leases to deposits | 65.9469% | 4,741 |
| Net loans and leases to core deposits | 76.3838% | 3,926 |
| Total domestic deposits to total assets | 89.8800% | 1,054 |
| Equity capital to assets | 9.9182% | 4,277 |
| Core capital (leverage) ratio | 8.5946% | 5,408 |
| Tier 1 risk-based capital ratio | 13.9301% | 4,373 |
| Total risk-based capital ratio | 15.1820% | 4,334 |
| Memoranda: | ||
| Average total assets | $222,783,400 | 2,812 |
| Average earning assets | $208,312,400 | 2,745 |
| Average equity | $20,455,000 | 3,077 |
| Average total loans | $137,208,800 | 2,850 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 4,608 |
| Cost of funding earning assets | 1.0649% | 3,214 |
| Net interest margin | 3.6010% | 4,761 |
| Noninterest income to average assets | 0.8241% | 1,947 |
| Noninterest expense to average assets | 2.5047% | 5,445 |
| Loan and lease loss provision to assets | 1.3925% | 525 |
| Net operating income to assets | 0.2864% | 5,440 |
| Return on assets (ROA) | 0.4121% | 5,133 |
| Pretax return on assets | 0.4181% | 5,414 |
| Return on Equity (ROE) | 4.5801% | 4,731 |
| Retained earnings to average equity (ytd only) | -2.8093% | 6,394 |
| Net charge-offs to loans | 0.3877% | 3,179 |
| Credit loss provision to net charge-offs | 579.8005% | 471 |
| Earnings coverage of net charge-offs (x) | 7.0100% | 2,434 |
| Efficiency ratio | 59.8027% | 5,756 |
| Assets per employee ($millions) | 4.0735% | 3,691 |
| Cash dividends to net income (ytd only)* | 161.3370% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4370% | 1,482 |
| Loan loss allowance to noncurrent loans | 103.5177% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 3,455 |
| Noncurrent loans to loans | 2.3541% | 2,948 |
| Net loans and leases to total assets | 60.4249% | 4,055 |
| Net loans and leases to deposits | 66.6058% | 4,811 |
| Net loans and leases to core deposits | 77.0654% | 4,037 |
| Total domestic deposits to total assets | 90.7202% | 544 |
| Equity capital to assets | 9.1010% | 5,638 |
| Core capital (leverage) ratio | 7.9088% | 6,476 |
| Tier 1 risk-based capital ratio | 12.1026% | 5,816 |
| Total risk-based capital ratio | 13.3446% | 5,818 |
| Memoranda: | ||
| Average total assets | $222,614,500 | 2,818 |
| Average earning assets | $207,971,750 | 2,756 |
| Average equity | $20,028,000 | 3,139 |
| Average total loans | $137,888,500 | 2,859 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 4,769 |
| Cost of funding earning assets | 1.0812% | 3,383 |
| Net interest margin | 3.5658% | 4,856 |
| Noninterest income to average assets | 0.7936% | 2,051 |
| Noninterest expense to average assets | 2.5428% | 5,387 |
| Loan and lease loss provision to assets | 0.9195% | 974 |
| Net operating income to assets | 0.6577% | 3,758 |
| Return on assets (ROA) | 0.6577% | 3,882 |
| Pretax return on assets | 0.6685% | 4,508 |
| Return on Equity (ROE) | 7.3394% | 3,273 |
| Retained earnings to average equity (ytd only) | -1.1525% | 6,080 |
| Net charge-offs to loans | 0.5119% | 2,565 |
| Credit loss provision to net charge-offs | 290.0000% | 1,055 |
| Earnings coverage of net charge-offs (x) | 5.0086% | 2,717 |
| Efficiency ratio | 61.5570% | 5,647 |
| Assets per employee ($millions) | 4.1965% | 3,355 |
| Cash dividends to net income (ytd only)* | 115.7025% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,635 |
| Loan loss allowance to noncurrent loans | 58.7255% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 2,950 |
| Noncurrent loans to loans | 2.7523% | 2,649 |
| Net loans and leases to total assets | 59.7693% | 4,314 |
| Net loans and leases to deposits | 66.0032% | 5,000 |
| Net loans and leases to core deposits | 76.2857% | 4,273 |
| Total domestic deposits to total assets | 90.5551% | 698 |
| Equity capital to assets | 9.0987% | 5,439 |
| Core capital (leverage) ratio | 8.1086% | 6,153 |
| Tier 1 risk-based capital ratio | 12.5757% | 5,269 |
| Total risk-based capital ratio | 13.8138% | 5,253 |
| Memoranda: | ||
| Average total assets | $220,780,000 | 2,852 |
| Average earning assets | $206,631,000 | 2,798 |
| Average equity | $19,783,670 | 3,157 |
| Average total loans | $136,757,000 | 2,920 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 4,990 |
| Cost of funding earning assets | 1.0862% | 3,611 |
| Net interest margin | 3.5048% | 4,992 |
| Noninterest income to average assets | 1.0184% | 1,274 |
| Noninterest expense to average assets | 2.6659% | 4,977 |
| Loan and lease loss provision to assets | 1.0365% | 726 |
| Net operating income to assets | 0.5928% | 4,067 |
| Return on assets (ROA) | 0.5928% | 4,139 |
| Pretax return on assets | 0.6019% | 4,681 |
| Return on Equity (ROE) | 6.6677% | 3,551 |
| Retained earnings to average equity (ytd only) | 1.7590% | 5,067 |
| Net charge-offs to loans | 0.6745% | 1,860 |
| Credit loss provision to net charge-offs | 245.6897% | 1,278 |
| Earnings coverage of net charge-offs (x) | 3.8836% | 2,611 |
| Efficiency ratio | 61.9349% | 5,693 |
| Assets per employee ($millions) | 4.2178% | 3,426 |
| Cash dividends to net income (ytd only)* | 73.6196% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,640 |
| Loan loss allowance to noncurrent loans | 52.1044% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.1642% | 3,112 |
| Noncurrent loans to loans | 2.6969% | 2,799 |
| Net loans and leases to total assets | 58.2852% | 4,598 |
| Net loans and leases to deposits | 64.0827% | 5,243 |
| Net loans and leases to core deposits | 74.3295% | 4,504 |
| Total domestic deposits to total assets | 90.9530% | 650 |
| Equity capital to assets | 8.8247% | 5,457 |
| Core capital (leverage) ratio | 8.3292% | 5,749 |
| Tier 1 risk-based capital ratio | 12.9459% | 4,864 |
| Total risk-based capital ratio | 14.1737% | 4,868 |
| Memoranda: | ||
| Average total assets | $219,961,500 | 2,884 |
| Average earning assets | $206,231,500 | 2,827 |
| Average equity | $19,557,000 | 3,176 |
| Average total loans | $137,575,000 | 2,934 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 5,135 |
| Cost of funding earning assets | 1.3503% | 3,571 |
| Net interest margin | 3.5256% | 5,133 |
| Noninterest income to average assets | 1.2797% | 899 |
| Noninterest expense to average assets | 2.7656% | 4,727 |
| Loan and lease loss provision to assets | 0.7154% | 2,293 |
| Net operating income to assets | 1.0735% | 1,785 |
| Return on assets (ROA) | 1.1606% | 1,592 |
| Pretax return on assets | 1.1776% | 2,298 |
| Return on Equity (ROE) | 13.2494% | 1,035 |
| Retained earnings to average equity (ytd only) | 8.8974% | 733 |
| Net charge-offs to loans | 0.7801% | 2,687 |
| Credit loss provision to net charge-offs | 140.6105% | 2,683 |
| Earnings coverage of net charge-offs (x) | 3.5476% | 3,308 |
| Efficiency ratio | 60.5087% | 5,966 |
| Assets per employee ($millions) | 3.7961% | 4,269 |
| Cash dividends to net income (ytd only)* | 32.8467% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 6,098 |
| Loan loss allowance to noncurrent loans | 39.4443% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 2.1693% | 3,131 |
| Noncurrent loans to loans | 2.6930% | 2,827 |
| Net loans and leases to total assets | 65.3857% | 3,581 |
| Net loans and leases to deposits | 72.0313% | 4,512 |
| Net loans and leases to core deposits | 84.5986% | 3,511 |
| Total domestic deposits to total assets | 90.7741% | 705 |
| Equity capital to assets | 8.9597% | 5,199 |
| Core capital (leverage) ratio | 8.3486% | 5,611 |
| Tier 1 risk-based capital ratio | 12.5541% | 4,973 |
| Total risk-based capital ratio | 13.5972% | 5,138 |
| Memoranda: | ||
| Average total assets | $212,470,200 | 2,956 |
| Average earning assets | $198,319,200 | 2,899 |
| Average equity | $18,612,200 | 3,331 |
| Average total loans | $138,580,000 | 2,976 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 5,328 |
| Cost of funding earning assets | 1.3887% | 3,640 |
| Net interest margin | 3.4968% | 5,305 |
| Noninterest income to average assets | 1.0080% | 1,446 |
| Noninterest expense to average assets | 2.7152% | 4,813 |
| Loan and lease loss provision to assets | 0.7502% | 2,042 |
| Net operating income to assets | 0.7917% | 3,037 |
| Return on assets (ROA) | 0.9084% | 2,721 |
| Pretax return on assets | 0.9211% | 3,489 |
| Return on Equity (ROE) | 10.4313% | 1,966 |
| Retained earnings to average equity (ytd only) | 4.5677% | 3,294 |
| Net charge-offs to loans | 0.7293% | 2,600 |
| Credit loss provision to net charge-offs | 158.2447% | 2,413 |
| Earnings coverage of net charge-offs (x) | 3.2766% | 3,509 |
| Efficiency ratio | 63.6095% | 5,320 |
| Assets per employee ($millions) | 3.9752% | 3,890 |
| Cash dividends to net income (ytd only)* | 56.2107% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,285 |
| Loan loss allowance to noncurrent loans | 53.7535% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.7156% | 3,870 |
| Noncurrent loans to loans | 1.9072% | 3,793 |
| Net loans and leases to total assets | 67.0291% | 3,455 |
| Net loans and leases to deposits | 74.0307% | 4,504 |
| Net loans and leases to core deposits | 87.1330% | 3,500 |
| Total domestic deposits to total assets | 90.5422% | 621 |
| Equity capital to assets | 8.8174% | 5,833 |
| Core capital (leverage) ratio | 7.9995% | 6,345 |
| Tier 1 risk-based capital ratio | 11.5945% | 5,834 |
| Total risk-based capital ratio | 12.6179% | 6,026 |
| Memoranda: | ||
| Average total assets | $211,493,000 | 3,018 |
| Average earning assets | $197,202,500 | 2,962 |
| Average equity | $18,418,500 | 3,407 |
| Average total loans | $137,475,000 | 3,030 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 5,337 |
| Cost of funding earning assets | 1.4453% | 3,589 |
| Net interest margin | 3.4675% | 5,375 |
| Noninterest income to average assets | 0.8627% | 1,828 |
| Noninterest expense to average assets | 2.5843% | 5,384 |
| Loan and lease loss provision to assets | 0.9660% | 1,508 |
| Net operating income to assets | 0.5355% | 4,171 |
| Return on assets (ROA) | 0.7125% | 3,501 |
| Pretax return on assets | 0.7221% | 4,159 |
| Return on Equity (ROE) | 8.2175% | 2,800 |
| Retained earnings to average equity (ytd only) | 1.2685% | 5,248 |
| Net charge-offs to loans | 0.8227% | 2,194 |
| Credit loss provision to net charge-offs | 183.3031% | 2,150 |
| Earnings coverage of net charge-offs (x) | 2.8639% | 3,557 |
| Efficiency ratio | 63.1308% | 5,495 |
| Assets per employee ($millions) | 3.8718% | 4,052 |
| Cash dividends to net income (ytd only)* | 84.5638% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,630 |
| Loan loss allowance to noncurrent loans | 40.9309% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 2.1695% | 3,297 |
| Noncurrent loans to loans | 2.8459% | 2,813 |
| Net loans and leases to total assets | 62.4567% | 4,591 |
| Net loans and leases to deposits | 68.6291% | 5,468 |
| Net loans and leases to core deposits | 80.8652% | 4,567 |
| Total domestic deposits to total assets | 91.0061% | 481 |
| Equity capital to assets | 8.7585% | 5,801 |
| Core capital (leverage) ratio | 7.8643% | 6,423 |
| Tier 1 risk-based capital ratio | 12.0159% | 5,295 |
| Total risk-based capital ratio | 13.1246% | 5,393 |
| Memoranda: | ||
| Average total assets | $209,112,330 | 3,055 |
| Average earning assets | $194,838,000 | 3,006 |
| Average equity | $18,132,000 | 3,440 |
| Average total loans | $133,944,330 | 3,126 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 5,255 |
| Cost of funding earning assets | 1.4930% | 3,607 |
| Net interest margin | 3.4514% | 5,365 |
| Noninterest income to average assets | 0.7804% | 2,119 |
| Noninterest expense to average assets | 2.4693% | 5,840 |
| Loan and lease loss provision to assets | 0.9563% | 1,313 |
| Net operating income to assets | 0.5640% | 4,063 |
| Return on assets (ROA) | 0.9181% | 2,546 |
| Pretax return on assets | 0.9315% | 3,339 |
| Return on Equity (ROE) | 10.6418% | 1,892 |
| Retained earnings to average equity (ytd only) | 6.2077% | 2,520 |
| Net charge-offs to loans | 1.0174% | 1,613 |
| Credit loss provision to net charge-offs | 145.7726% | 2,438 |
| Earnings coverage of net charge-offs (x) | 2.3324% | 3,382 |
| Efficiency ratio | 61.7408% | 5,879 |
| Assets per employee ($millions) | 3.9254% | 4,042 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 6,760 |
| Loan loss allowance to noncurrent loans | 73.1953% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 4,930 |
| Noncurrent loans to loans | 1.2621% | 4,876 |
| Net loans and leases to total assets | 62.5862% | 4,636 |
| Net loans and leases to deposits | 68.6152% | 5,520 |
| Net loans and leases to core deposits | 80.7332% | 4,670 |
| Total domestic deposits to total assets | 91.2134% | 461 |
| Equity capital to assets | 8.5281% | 5,966 |
| Core capital (leverage) ratio | 8.0273% | 6,196 |
| Tier 1 risk-based capital ratio | 11.8842% | 5,313 |
| Total risk-based capital ratio | 12.7569% | 5,645 |
| Memoranda: | ||
| Average total assets | $209,130,500 | 3,108 |
| Average earning assets | $195,049,000 | 3,060 |
| Average equity | $18,042,000 | 3,473 |
| Average total loans | $134,856,000 | 3,162 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 5,072 |
| Cost of funding earning assets | 1.9490% | 3,218 |
| Net interest margin | 3.3732% | 5,480 |
| Noninterest income to average assets | 1.7853% | 461 |
| Noninterest expense to average assets | 2.7614% | 5,118 |
| Loan and lease loss provision to assets | 0.7190% | 2,957 |
| Net operating income to assets | 1.4500% | 760 |
| Return on assets (ROA) | 1.4573% | 805 |
| Pretax return on assets | 1.4780% | 1,239 |
| Return on Equity (ROE) | 17.4202% | 415 |
| Retained earnings to average equity (ytd only) | 11.1798% | 276 |
| Net charge-offs to loans | 0.9238% | 2,540 |
| Credit loss provision to net charge-offs | 116.3347% | 4,666 |
| Earnings coverage of net charge-offs (x) | 3.5426% | 3,300 |
| Efficiency ratio | 55.7744% | 7,047 |
| Assets per employee ($millions) | 3.8923% | 4,040 |
| Cash dividends to net income (ytd only)* | 35.8229% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 7,143 |
| Loan loss allowance to noncurrent loans | 38.1356% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 1.4334% | 4,266 |
| Noncurrent loans to loans | 2.0853% | 3,543 |
| Net loans and leases to total assets | 65.3111% | 4,321 |
| Net loans and leases to deposits | 72.3167% | 5,282 |
| Net loans and leases to core deposits | 100.9206% | 3,909 |
| Total domestic deposits to total assets | 90.3127% | 828 |
| Equity capital to assets | 8.7289% | 5,549 |
| Core capital (leverage) ratio | 7.8735% | 6,351 |
| Tier 1 risk-based capital ratio | 11.6973% | 5,200 |
| Total risk-based capital ratio | 12.4596% | 5,659 |
| Memoranda: | ||
| Average total assets | $203,050,000 | 3,148 |
| Average earning assets | $190,558,800 | 3,088 |
| Average equity | $16,986,000 | 3,676 |
| Average total loans | $135,854,000 | 3,157 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3478% | 5,184 |
| Cost of funding earning assets | 2.0164% | 3,273 |
| Net interest margin | 3.3314% | 5,524 |
| Noninterest income to average assets | 1.9712% | 383 |
| Noninterest expense to average assets | 2.7439% | 5,129 |
| Loan and lease loss provision to assets | 0.5736% | 3,089 |
| Net operating income to assets | 1.7597% | 495 |
| Return on assets (ROA) | 1.7701% | 505 |
| Pretax return on assets | 1.7958% | 807 |
| Return on Equity (ROE) | 21.3972% | 232 |
| Retained earnings to average equity (ytd only) | 12.9499% | 266 |
| Net charge-offs to loans | 0.3533% | 3,878 |
| Credit loss provision to net charge-offs | 241.6667% | 1,803 |
| Earnings coverage of net charge-offs (x) | 9.9389% | 2,034 |
| Efficiency ratio | 53.7726% | 7,262 |
| Assets per employee ($millions) | 4.0509% | 3,632 |
| Cash dividends to net income (ytd only)* | 39.4786% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 6,028 |
| Loan loss allowance to noncurrent loans | 42.9058% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 3,382 |
| Noncurrent loans to loans | 2.4393% | 3,091 |
| Net loans and leases to total assets | 62.1640% | 5,214 |
| Net loans and leases to deposits | 68.7951% | 6,055 |
| Net loans and leases to core deposits | 96.5266% | 4,750 |
| Total domestic deposits to total assets | 90.3611% | 636 |
| Equity capital to assets | 8.6372% | 6,058 |
| Core capital (leverage) ratio | 7.8062% | 6,603 |
| Tier 1 risk-based capital ratio | 11.6758% | 5,265 |
| Total risk-based capital ratio | 12.6682% | 5,454 |
| Memoranda: | ||
| Average total assets | $202,239,750 | 3,179 |
| Average earning assets | $190,105,500 | 3,117 |
| Average equity | $16,730,750 | 3,761 |
| Average total loans | $135,864,750 | 3,194 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 4,783 |
| Cost of funding earning assets | 2.0808% | 3,358 |
| Net interest margin | 3.3892% | 5,216 |
| Noninterest income to average assets | 2.3476% | 288 |
| Noninterest expense to average assets | 2.8620% | 4,676 |
| Loan and lease loss provision to assets | 0.5666% | 2,752 |
| Net operating income to assets | 2.0830% | 246 |
| Return on assets (ROA) | 2.0929% | 267 |
| Pretax return on assets | 2.1240% | 410 |
| Return on Equity (ROE) | 25.6972% | 127 |
| Retained earnings to average equity (ytd only) | 15.1080% | 205 |
| Net charge-offs to loans | 0.3284% | 3,540 |
| Credit loss provision to net charge-offs | 251.1111% | 1,853 |
| Earnings coverage of net charge-offs (x) | 11.8800% | 1,865 |
| Efficiency ratio | 51.6374% | 7,543 |
| Assets per employee ($millions) | 3.8492% | 3,982 |
| Cash dividends to net income (ytd only)* | 41.2075% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,791 |
| Loan loss allowance to noncurrent loans | 42.0998% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7490% | 3,555 |
| Noncurrent loans to loans | 2.1284% | 3,338 |
| Net loans and leases to total assets | 65.8688% | 4,587 |
| Net loans and leases to deposits | 72.5899% | 5,655 |
| Net loans and leases to core deposits | 99.4008% | 4,568 |
| Total domestic deposits to total assets | 90.7410% | 539 |
| Equity capital to assets | 8.2213% | 6,459 |
| Core capital (leverage) ratio | 7.9174% | 6,460 |
| Tier 1 risk-based capital ratio | 12.1790% | 4,774 |
| Total risk-based capital ratio | 13.1017% | 4,964 |
| Memoranda: | ||
| Average total assets | $199,437,670 | 3,234 |
| Average earning assets | $188,009,000 | 3,165 |
| Average equity | $16,243,000 | 3,877 |
| Average total loans | $137,042,670 | 3,206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6549% | 4,020 |
| Cost of funding earning assets | 2.1639% | 3,353 |
| Net interest margin | 3.4910% | 4,771 |
| Noninterest income to average assets | 2.2237% | 304 |
| Noninterest expense to average assets | 2.6213% | 5,365 |
| Loan and lease loss provision to assets | 0.5681% | 2,215 |
| Net operating income to assets | 2.2928% | 194 |
| Return on assets (ROA) | 2.3129% | 218 |
| Pretax return on assets | 2.3474% | 335 |
| Return on Equity (ROE) | 28.5383% | 119 |
| Retained earnings to average equity (ytd only) | 22.0296% | 130 |
| Net charge-offs to loans | 0.5836% | 2,006 |
| Credit loss provision to net charge-offs | 139.3035% | 2,921 |
| Earnings coverage of net charge-offs (x) | 7.0995% | 2,394 |
| Efficiency ratio | 47.5175% | 7,753 |
| Assets per employee ($millions) | 3.7554% | 4,214 |
| Cash dividends to net income (ytd only)* | 22.8070% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 7,496 |
| Loan loss allowance to noncurrent loans | 63.3466% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2703% | 4,135 |
| Noncurrent loans to loans | 1.0776% | 4,825 |
| Net loans and leases to total assets | 68.4458% | 4,031 |
| Net loans and leases to deposits | 76.6269% | 5,132 |
| Net loans and leases to core deposits | 106.4139% | 3,860 |
| Total domestic deposits to total assets | 89.3235% | 1,088 |
| Equity capital to assets | 8.1448% | 6,605 |
| Core capital (leverage) ratio | 7.9267% | 6,574 |
| Tier 1 risk-based capital ratio | 11.4783% | 5,440 |
| Total risk-based capital ratio | 12.1763% | 5,878 |
| Memoranda: | ||
| Average total assets | $197,153,000 | 3,272 |
| Average earning assets | $185,964,000 | 3,212 |
| Average equity | $15,978,500 | 3,945 |
| Average total loans | $137,768,000 | 3,212 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2334% | 4,336 |
| Cost of funding earning assets | 2.8188% | 2,631 |
| Net interest margin | 3.4146% | 5,600 |
| Noninterest income to average assets | 0.8468% | 2,250 |
| Noninterest expense to average assets | 2.5179% | 5,940 |
| Loan and lease loss provision to assets | 0.2841% | 4,111 |
| Net operating income to assets | 1.2374% | 1,657 |
| Return on assets (ROA) | 1.2445% | 1,588 |
| Pretax return on assets | 1.2614% | 2,442 |
| Return on Equity (ROE) | 15.5659% | 840 |
| Retained earnings to average equity (ytd only) | 7.7078% | 925 |
| Net charge-offs to loans | 0.4599% | 2,528 |
| Credit loss provision to net charge-offs | 89.9654% | 5,683 |
| Earnings coverage of net charge-offs (x) | 4.8720% | 3,827 |
| Efficiency ratio | 62.0741% | 5,939 |
| Assets per employee ($millions) | 3.7552% | 4,050 |
| Cash dividends to net income (ytd only)* | 50.4829% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6444% | 7,565 |
| Loan loss allowance to noncurrent loans | 27.4898% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 1.6620% | 2,924 |
| Noncurrent loans to loans | 2.3442% | 2,351 |
| Net loans and leases to total assets | 70.4410% | 3,916 |
| Net loans and leases to deposits | 78.9301% | 5,208 |
| Net loans and leases to core deposits | 108.3374% | 3,932 |
| Total domestic deposits to total assets | 89.2447% | 942 |
| Equity capital to assets | 8.0620% | 6,759 |
| Core capital (leverage) ratio | 7.8820% | 6,679 |
| Tier 1 risk-based capital ratio | 10.8083% | 5,905 |
| Total risk-based capital ratio | 11.4469% | 6,388 |
| Memoranda: | ||
| Average total assets | $183,052,200 | 3,372 |
| Average earning assets | $172,056,600 | 3,303 |
| Average equity | $14,634,600 | 4,213 |
| Average total loans | $125,690,200 | 3,332 |