Home > Capon Valley Bank > Performance and Condition Ratios
Capon Valley 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 | 4.9935% | 2,080 |
| Cost of funding earning assets | 1.1523% | 2,932 |
| Net interest margin | 3.8412% | 1,488 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.3754% | 680 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5766% | 3,501 |
| Return on assets (ROA) | 0.5198% | 3,616 |
| Pretax return on assets | 0.6559% | 3,525 |
| Return on Equity (ROE) | 6.1100% | 3,496 |
| Retained earnings to average equity (ytd only) | 0.9681% | 3,843 |
| Net charge-offs to loans | 0.0559% | 1,299 |
| Credit loss provision to net charge-offs | 187.5000% | 1,272 |
| Earnings coverage of net charge-offs (x) | 20.8625% | 1,848 |
| Efficiency ratio | 80.8469% | 862 |
| Assets per employee ($millions) | 4.6286% | 3,870 |
| Cash dividends to net income (ytd only)* | 84.1475% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 2,635 |
| Loan loss allowance to noncurrent loans | 397.8469% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 1,860 |
| Noncurrent loans to loans | 0.2849% | 2,161 |
| Net loans and leases to total assets | 68.1300% | 2,022 |
| Net loans and leases to deposits | 75.4729% | 2,506 |
| Net loans and leases to core deposits | 77.0304% | 2,915 |
| Total domestic deposits to total assets | 90.2700% | 688 |
| Equity capital to assets | 8.6062% | 2,973 |
| Core capital (leverage) ratio | 9.8394% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $208,717,600 | 2,926 |
| Average earning assets | $193,872,400 | 2,917 |
| Average equity | $17,767,400 | 3,031 |
| Average total loans | $143,086,400 | 2,735 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 2,166 |
| Cost of funding earning assets | 1.0747% | 2,815 |
| Net interest margin | 3.7738% | 1,652 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.3379% | 688 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5759% | 3,611 |
| Return on assets (ROA) | 0.4989% | 3,768 |
| Pretax return on assets | 0.6234% | 3,699 |
| Return on Equity (ROE) | 5.8800% | 3,660 |
| Retained earnings to average equity (ytd only) | 0.6051% | 4,030 |
| Net charge-offs to loans | 0.0038% | 2,361 |
| Credit loss provision to net charge-offs | 2,775.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 445 |
| Efficiency ratio | 80.8428% | 816 |
| Assets per employee ($millions) | 4.6275% | 3,866 |
| Cash dividends to net income (ytd only)* | 89.7040% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,503 |
| Loan loss allowance to noncurrent loans | 305.2065% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 1,955 |
| Noncurrent loans to loans | 0.3845% | 1,866 |
| Net loans and leases to total assets | 67.2600% | 2,131 |
| Net loans and leases to deposits | 74.0933% | 2,554 |
| Net loans and leases to core deposits | 75.8338% | 2,876 |
| Total domestic deposits to total assets | 90.7800% | 724 |
| Equity capital to assets | 8.2324% | 2,898 |
| Core capital (leverage) ratio | 10.1177% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $207,667,750 | 2,941 |
| Average earning assets | $193,045,000 | 2,932 |
| Average equity | $17,628,250 | 3,030 |
| Average total loans | $142,177,500 | 2,748 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 1,997 |
| Cost of funding earning assets | 0.9798% | 2,668 |
| Net interest margin | 3.8190% | 1,587 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.3632% | 634 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6031% | 3,563 |
| Return on assets (ROA) | 0.4866% | 3,843 |
| Pretax return on assets | 0.6070% | 3,788 |
| Return on Equity (ROE) | 5.6700% | 3,763 |
| Retained earnings to average equity (ytd only) | 0.2944% | 4,022 |
| Net charge-offs to loans | -0.0113% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.4040% | 815 |
| Assets per employee ($millions) | 4.4184% | 4,000 |
| Cash dividends to net income (ytd only)* | 94.8104% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,625 |
| Loan loss allowance to noncurrent loans | 241.6787% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 1,587 |
| Noncurrent loans to loans | 0.4822% | 1,509 |
| Net loans and leases to total assets | 68.2000% | 1,946 |
| Net loans and leases to deposits | 75.3195% | 2,381 |
| Net loans and leases to core deposits | 76.9871% | 2,689 |
| Total domestic deposits to total assets | 90.5400% | 768 |
| Equity capital to assets | 8.4699% | 2,887 |
| Core capital (leverage) ratio | 10.1433% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $205,934,667 | 2,960 |
| Average earning assets | $191,462,333 | 2,951 |
| Average equity | $17,663,000 | 3,050 |
| Average total loans | $141,279,333 | 2,756 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 1,913 |
| Cost of funding earning assets | 0.8216% | 2,647 |
| Net interest margin | 3.8521% | 1,573 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.3569% | 649 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6476% | 3,589 |
| Return on assets (ROA) | 0.6476% | 3,549 |
| Pretax return on assets | 0.8153% | 3,438 |
| Return on Equity (ROE) | 7.5000% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.5989% | 3,582 |
| Net charge-offs to loans | -0.0599% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.3453% | 878 |
| Assets per employee ($millions) | 4.6390% | 3,934 |
| Cash dividends to net income (ytd only)* | 65.3614% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,735 |
| Loan loss allowance to noncurrent loans | 162.6113% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 1,066 |
| Noncurrent loans to loans | 0.7170% | 1,056 |
| Net loans and leases to total assets | 66.7500% | 1,982 |
| Net loans and leases to deposits | 75.9381% | 2,125 |
| Net loans and leases to core deposits | 77.2002% | 2,443 |
| Total domestic deposits to total assets | 87.9100% | 1,958 |
| Equity capital to assets | 8.5177% | 2,877 |
| Core capital (leverage) ratio | 10.3416% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $205,069,000 | 3,002 |
| Average earning assets | $190,855,000 | 2,996 |
| Average equity | $17,700,000 | 3,065 |
| Average total loans | $140,272,000 | 2,795 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 784 |
| Cost of funding earning assets | 0.3535% | 2,451 |
| Net interest margin | 4.1047% | 647 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 3.2755% | 649 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9619% | 2,715 |
| Return on assets (ROA) | 0.9535% | 2,705 |
| Pretax return on assets | 1.1831% | 2,496 |
| Return on Equity (ROE) | 10.7100% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.2893% | 2,536 |
| Net charge-offs to loans | 0.0210% | 1,664 |
| Credit loss provision to net charge-offs | 71.4286% | 1,721 |
| Earnings coverage of net charge-offs (x) | 86.6786% | 1,044 |
| Efficiency ratio | 73.1318% | 1,309 |
| Assets per employee ($millions) | 4.1955% | 4,206 |
| Cash dividends to net income (ytd only)* | 41.2897% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,694 |
| Loan loss allowance to noncurrent loans | 167.5079% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 1,066 |
| Noncurrent loans to loans | 0.6815% | 1,099 |
| Net loans and leases to total assets | 68.5000% | 1,785 |
| Net loans and leases to deposits | 75.9950% | 2,097 |
| Net loans and leases to core deposits | 77.5530% | 2,312 |
| Total domestic deposits to total assets | 90.1400% | 1,300 |
| Equity capital to assets | 8.7490% | 2,531 |
| Core capital (leverage) ratio | 10.2687% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $201,680,600 | 3,037 |
| Average earning assets | $187,540,800 | 3,016 |
| Average equity | $17,951,000 | 3,122 |
| Average total loans | $133,537,200 | 2,792 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 594 |
| Cost of funding earning assets | 0.3071% | 2,091 |
| Net interest margin | 4.0857% | 531 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 3.2441% | 643 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9586% | 2,632 |
| Return on assets (ROA) | 0.9477% | 2,643 |
| Pretax return on assets | 1.2120% | 2,323 |
| Return on Equity (ROE) | 10.6000% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.4469% | 2,575 |
| Net charge-offs to loans | -0.0232% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.3721% | 1,464 |
| Assets per employee ($millions) | 4.2759% | 4,185 |
| Cash dividends to net income (ytd only)* | 39.1911% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,542 |
| Loan loss allowance to noncurrent loans | 255.5210% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 1,658 |
| Noncurrent loans to loans | 0.4689% | 1,630 |
| Net loans and leases to total assets | 67.4200% | 1,739 |
| Net loans and leases to deposits | 74.6977% | 1,983 |
| Net loans and leases to core deposits | 76.2257% | 2,179 |
| Total domestic deposits to total assets | 90.2600% | 1,546 |
| Equity capital to assets | 8.6015% | 2,479 |
| Core capital (leverage) ratio | 10.6232% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $201,754,750 | 3,054 |
| Average earning assets | $187,577,750 | 3,033 |
| Average equity | $18,034,000 | 3,161 |
| Average total loans | $132,034,250 | 2,808 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 512 |
| Cost of funding earning assets | 0.3333% | 1,410 |
| Net interest margin | 3.9900% | 507 |
| Noninterest income to average assets | 0.6395% | 1,585 |
| Noninterest expense to average assets | 3.1750% | 657 |
| Loan and lease loss provision to assets | 0.0119% | 2,382 |
| Net operating income to assets | 0.9098% | 2,539 |
| Return on assets (ROA) | 0.9098% | 2,508 |
| Pretax return on assets | 1.1623% | 2,197 |
| Return on Equity (ROE) | 10.0529% | 2,316 |
| Retained earnings to average equity (ytd only) | 5.9508% | 2,349 |
| Net charge-offs to loans | -0.0967% | 4,431 |
| Credit loss provision to net charge-offs | -19.0476% | 2,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0025% | 1,628 |
| Assets per employee ($millions) | 4.4428% | 4,121 |
| Cash dividends to net income (ytd only)* | 40.8052% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,424 |
| Loan loss allowance to noncurrent loans | 230.8540% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 1,336 |
| Noncurrent loans to loans | 0.5416% | 1,532 |
| Net loans and leases to total assets | 64.7768% | 1,825 |
| Net loans and leases to deposits | 71.6847% | 2,056 |
| Net loans and leases to core deposits | 73.3830% | 2,216 |
| Total domestic deposits to total assets | 90.3635% | 1,533 |
| Equity capital to assets | 8.5067% | 2,759 |
| Core capital (leverage) ratio | 9.8807% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,017,667 | 3,081 |
| Average earning assets | $187,821,333 | 3,077 |
| Average equity | $18,283,333 | 3,210 |
| Average total loans | $130,334,000 | 2,836 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 607 |
| Cost of funding earning assets | 0.3596% | 1,133 |
| Net interest margin | 3.7674% | 668 |
| Noninterest income to average assets | 0.6194% | 1,608 |
| Noninterest expense to average assets | 3.1766% | 619 |
| Loan and lease loss provision to assets | 0.0179% | 2,037 |
| Net operating income to assets | 0.7329% | 2,914 |
| Return on assets (ROA) | 0.7329% | 2,907 |
| Pretax return on assets | 0.9301% | 2,662 |
| Return on Equity (ROE) | 7.8580% | 2,738 |
| Retained earnings to average equity (ytd only) | 4.1639% | 2,878 |
| Net charge-offs to loans | -0.2678% | 4,641 |
| Credit loss provision to net charge-offs | -10.4651% | 2,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0159% | 1,407 |
| Assets per employee ($millions) | 4.2143% | 4,296 |
| Cash dividends to net income (ytd only)* | 47.0109% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,312 |
| Loan loss allowance to noncurrent loans | 186.1690% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 1,150 |
| Noncurrent loans to loans | 0.7033% | 1,349 |
| Net loans and leases to total assets | 63.1914% | 1,719 |
| Net loans and leases to deposits | 71.4147% | 1,828 |
| Net loans and leases to core deposits | 73.2665% | 1,999 |
| Total domestic deposits to total assets | 88.4852% | 2,303 |
| Equity capital to assets | 8.9689% | 2,735 |
| Core capital (leverage) ratio | 9.8466% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,842,500 | 3,097 |
| Average earning assets | $186,864,500 | 3,100 |
| Average equity | $18,732,500 | 3,257 |
| Average total loans | $128,471,500 | 2,866 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 465 |
| Cost of funding earning assets | 0.4708% | 1,058 |
| Net interest margin | 4.1725% | 514 |
| Noninterest income to average assets | 0.6295% | 2,029 |
| Noninterest expense to average assets | 3.2007% | 727 |
| Loan and lease loss provision to assets | 0.0078% | 2,931 |
| Net operating income to assets | 1.0164% | 2,607 |
| Return on assets (ROA) | 0.9990% | 2,739 |
| Pretax return on assets | 1.2564% | 2,499 |
| Return on Equity (ROE) | 10.2173% | 2,450 |
| Retained earnings to average equity (ytd only) | 7.0195% | 1,911 |
| Net charge-offs to loans | 0.0915% | 907 |
| Credit loss provision to net charge-offs | 12.3967% | 2,297 |
| Earnings coverage of net charge-offs (x) | 20.5620% | 1,852 |
| Efficiency ratio | 71.3397% | 1,579 |
| Assets per employee ($millions) | 4.1541% | 4,354 |
| Cash dividends to net income (ytd only)* | 31.2985% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,592 |
| Loan loss allowance to noncurrent loans | 159.1451% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 1,144 |
| Noncurrent loans to loans | 0.7895% | 1,288 |
| Net loans and leases to total assets | 63.0989% | 1,811 |
| Net loans and leases to deposits | 71.8849% | 1,924 |
| Net loans and leases to core deposits | 73.8013% | 2,100 |
| Total domestic deposits to total assets | 87.7777% | 2,160 |
| Equity capital to assets | 9.6902% | 2,952 |
| Core capital (leverage) ratio | 9.6883% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,491,200 | 3,108 |
| Average earning assets | $178,862,800 | 3,103 |
| Average equity | $18,918,800 | 3,308 |
| Average total loans | $132,267,400 | 2,825 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 550 |
| Cost of funding earning assets | 0.4883% | 1,112 |
| Net interest margin | 4.1292% | 617 |
| Noninterest income to average assets | 0.6340% | 2,080 |
| Noninterest expense to average assets | 3.1650% | 756 |
| Loan and lease loss provision to assets | 0.0068% | 2,845 |
| Net operating income to assets | 0.9989% | 2,912 |
| Return on assets (ROA) | 0.9950% | 3,003 |
| Pretax return on assets | 1.2679% | 2,708 |
| Return on Equity (ROE) | 10.1531% | 2,682 |
| Retained earnings to average equity (ytd only) | 7.0073% | 2,417 |
| Net charge-offs to loans | 0.0669% | 974 |
| Credit loss provision to net charge-offs | 14.9254% | 2,010 |
| Earnings coverage of net charge-offs (x) | 27.5075% | 1,572 |
| Efficiency ratio | 71.2076% | 1,472 |
| Assets per employee ($millions) | 4.3279% | 4,244 |
| Cash dividends to net income (ytd only)* | 30.9839% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,667 |
| Loan loss allowance to noncurrent loans | 152.9194% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 581 |
| Noncurrent loans to loans | 0.8254% | 1,384 |
| Net loans and leases to total assets | 64.8333% | 1,669 |
| Net loans and leases to deposits | 73.8922% | 1,865 |
| Net loans and leases to core deposits | 75.8604% | 2,065 |
| Total domestic deposits to total assets | 87.7403% | 1,983 |
| Equity capital to assets | 9.6990% | 3,185 |
| Core capital (leverage) ratio | 9.6516% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,014,500 | 3,159 |
| Average earning assets | $177,204,750 | 3,151 |
| Average equity | $18,818,000 | 3,358 |
| Average total loans | $133,479,500 | 2,839 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 611 |
| Cost of funding earning assets | 0.5033% | 1,179 |
| Net interest margin | 4.1089% | 679 |
| Noninterest income to average assets | 0.6412% | 2,037 |
| Noninterest expense to average assets | 3.1478% | 784 |
| Loan and lease loss provision to assets | 0.0042% | 2,800 |
| Net operating income to assets | 1.0021% | 2,874 |
| Return on assets (ROA) | 0.9955% | 2,985 |
| Pretax return on assets | 1.2686% | 2,713 |
| Return on Equity (ROE) | 10.1210% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.9260% | 2,457 |
| Net charge-offs to loans | 0.0878% | 801 |
| Credit loss provision to net charge-offs | 6.7797% | 1,784 |
| Earnings coverage of net charge-offs (x) | 20.5932% | 1,522 |
| Efficiency ratio | 71.0714% | 1,522 |
| Assets per employee ($millions) | 4.3493% | 4,218 |
| Cash dividends to net income (ytd only)* | 31.5678% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,759 |
| Loan loss allowance to noncurrent loans | 242.2287% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.9238% | 832 |
| Noncurrent loans to loans | 0.5091% | 2,151 |
| Net loans and leases to total assets | 67.5996% | 1,503 |
| Net loans and leases to deposits | 77.1108% | 1,717 |
| Net loans and leases to core deposits | 79.1962% | 1,942 |
| Total domestic deposits to total assets | 87.6655% | 2,004 |
| Equity capital to assets | 9.6848% | 3,167 |
| Core capital (leverage) ratio | 9.7578% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,658,333 | 3,176 |
| Average earning assets | $174,841,333 | 3,177 |
| Average equity | $18,654,333 | 3,367 |
| Average total loans | $134,398,667 | 2,842 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 583 |
| Cost of funding earning assets | 0.5258% | 1,232 |
| Net interest margin | 4.1620% | 646 |
| Noninterest income to average assets | 0.6430% | 2,055 |
| Noninterest expense to average assets | 3.2021% | 717 |
| Loan and lease loss provision to assets | 0.0064% | 2,685 |
| Net operating income to assets | 0.9952% | 2,820 |
| Return on assets (ROA) | 0.9816% | 2,961 |
| Pretax return on assets | 1.2517% | 2,695 |
| Return on Equity (ROE) | 9.9006% | 2,726 |
| Retained earnings to average equity (ytd only) | 7.0039% | 2,577 |
| Net charge-offs to loans | 0.1723% | 459 |
| Credit loss provision to net charge-offs | 5.1724% | 1,463 |
| Earnings coverage of net charge-offs (x) | 10.2586% | 1,505 |
| Efficiency ratio | 71.5175% | 1,544 |
| Assets per employee ($millions) | 4.1532% | 4,381 |
| Cash dividends to net income (ytd only)* | 29.2576% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,905 |
| Loan loss allowance to noncurrent loans | 184.4693% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 731 |
| Noncurrent loans to loans | 0.6532% | 1,937 |
| Net loans and leases to total assets | 70.8559% | 1,175 |
| Net loans and leases to deposits | 81.2782% | 1,399 |
| Net loans and leases to core deposits | 83.4096% | 1,726 |
| Total domestic deposits to total assets | 87.1770% | 2,239 |
| Equity capital to assets | 9.7463% | 2,952 |
| Core capital (leverage) ratio | 10.0320% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,627,500 | 3,188 |
| Average earning assets | $171,937,000 | 3,195 |
| Average equity | $18,504,000 | 3,374 |
| Average total loans | $134,619,000 | 2,843 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 307 |
| Cost of funding earning assets | 0.7560% | 1,419 |
| Net interest margin | 4.4866% | 338 |
| Noninterest income to average assets | 0.4807% | 2,720 |
| Noninterest expense to average assets | 3.4817% | 707 |
| Loan and lease loss provision to assets | 0.2474% | 1,559 |
| Net operating income to assets | 0.6740% | 3,510 |
| Return on assets (ROA) | 0.6764% | 3,631 |
| Pretax return on assets | 0.8380% | 3,540 |
| Return on Equity (ROE) | 6.3722% | 3,458 |
| Retained earnings to average equity (ytd only) | 2.9231% | 3,408 |
| Net charge-offs to loans | -0.1236% | 4,845 |
| Credit loss provision to net charge-offs | -258.2822% | 3,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2843% | 1,191 |
| Assets per employee ($millions) | 3.9610% | 4,402 |
| Cash dividends to net income (ytd only)* | 54.1268% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,455 |
| Loan loss allowance to noncurrent loans | 128.4424% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 563 |
| Noncurrent loans to loans | 1.0052% | 1,412 |
| Net loans and leases to total assets | 71.6280% | 1,340 |
| Net loans and leases to deposits | 82.5576% | 1,594 |
| Net loans and leases to core deposits | 84.7019% | 1,977 |
| Total domestic deposits to total assets | 86.7613% | 2,052 |
| Equity capital to assets | 10.0918% | 3,042 |
| Core capital (leverage) ratio | 10.3100% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,176,000 | 3,194 |
| Average earning assets | $154,884,000 | 3,214 |
| Average equity | $18,062,800 | 3,360 |
| Average total loans | $131,882,600 | 2,843 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 358 |
| Cost of funding earning assets | 0.8065% | 1,468 |
| Net interest margin | 4.4710% | 406 |
| Noninterest income to average assets | 0.7170% | 1,744 |
| Noninterest expense to average assets | 3.5596% | 648 |
| Loan and lease loss provision to assets | 0.3308% | 1,174 |
| Net operating income to assets | 0.7059% | 3,438 |
| Return on assets (ROA) | 0.7090% | 3,533 |
| Pretax return on assets | 0.8893% | 3,404 |
| Return on Equity (ROE) | 6.5918% | 3,347 |
| Retained earnings to average equity (ytd only) | 2.9659% | 3,535 |
| Net charge-offs to loans | 0.0587% | 1,772 |
| Credit loss provision to net charge-offs | 715.5172% | 1,050 |
| Earnings coverage of net charge-offs (x) | 26.2931% | 1,698 |
| Efficiency ratio | 74.5324% | 1,354 |
| Assets per employee ($millions) | 3.7641% | 4,505 |
| Cash dividends to net income (ytd only)* | 55.0056% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,137 |
| Loan loss allowance to noncurrent loans | 160.1732% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.4993% | 570 |
| Noncurrent loans to loans | 0.6952% | 2,052 |
| Net loans and leases to total assets | 75.9111% | 1,107 |
| Net loans and leases to deposits | 88.1456% | 1,469 |
| Net loans and leases to core deposits | 90.7271% | 1,907 |
| Total domestic deposits to total assets | 86.1201% | 2,016 |
| Equity capital to assets | 10.5435% | 2,754 |
| Core capital (leverage) ratio | 10.4157% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,168,000 | 3,202 |
| Average earning assets | $151,757,750 | 3,224 |
| Average equity | $17,981,500 | 3,371 |
| Average total loans | $131,798,500 | 2,852 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 440 |
| Cost of funding earning assets | 0.8573% | 1,565 |
| Net interest margin | 4.5006% | 501 |
| Noninterest income to average assets | 0.7132% | 1,694 |
| Noninterest expense to average assets | 3.6676% | 599 |
| Loan and lease loss provision to assets | 0.3160% | 1,353 |
| Net operating income to assets | 0.6454% | 3,593 |
| Return on assets (ROA) | 0.6502% | 3,671 |
| Pretax return on assets | 0.8101% | 3,557 |
| Return on Equity (ROE) | 6.0034% | 3,506 |
| Retained earnings to average equity (ytd only) | 2.0235% | 3,745 |
| Net charge-offs to loans | 0.0685% | 1,559 |
| Credit loss provision to net charge-offs | 580.0000% | 1,130 |
| Earnings coverage of net charge-offs (x) | 20.5556% | 1,682 |
| Efficiency ratio | 76.6060% | 1,209 |
| Assets per employee ($millions) | 3.7697% | 4,491 |
| Cash dividends to net income (ytd only)* | 66.2942% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,563 |
| Loan loss allowance to noncurrent loans | 127.7672% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.6654% | 512 |
| Noncurrent loans to loans | 0.7850% | 1,928 |
| Net loans and leases to total assets | 76.2184% | 1,101 |
| Net loans and leases to deposits | 88.4623% | 1,507 |
| Net loans and leases to core deposits | 90.8340% | 2,000 |
| Total domestic deposits to total assets | 86.1592% | 1,942 |
| Equity capital to assets | 10.4010% | 2,837 |
| Core capital (leverage) ratio | 10.4311% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,174,000 | 3,199 |
| Average earning assets | $149,537,000 | 3,226 |
| Average equity | $17,890,000 | 3,375 |
| Average total loans | $131,424,667 | 2,848 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 357 |
| Cost of funding earning assets | 0.9198% | 1,770 |
| Net interest margin | 4.6071% | 405 |
| Noninterest income to average assets | 0.8345% | 1,210 |
| Noninterest expense to average assets | 3.7502% | 662 |
| Loan and lease loss provision to assets | 0.2657% | 1,174 |
| Net operating income to assets | 0.7700% | 3,021 |
| Return on assets (ROA) | 0.7798% | 3,061 |
| Pretax return on assets | 0.9860% | 2,884 |
| Return on Equity (ROE) | 7.0494% | 2,923 |
| Retained earnings to average equity (ytd only) | 2.9635% | 3,097 |
| Net charge-offs to loans | 0.1135% | 1,021 |
| Credit loss provision to net charge-offs | 289.1892% | 1,206 |
| Earnings coverage of net charge-offs (x) | 13.4865% | 1,646 |
| Efficiency ratio | 75.1618% | 1,667 |
| Assets per employee ($millions) | 3.4839% | 4,496 |
| Cash dividends to net income (ytd only)* | 57.9618% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,050 |
| Loan loss allowance to noncurrent loans | 115.6977% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 502 |
| Noncurrent loans to loans | 0.7925% | 2,027 |
| Net loans and leases to total assets | 78.7975% | 860 |
| Net loans and leases to deposits | 92.4620% | 1,230 |
| Net loans and leases to core deposits | 95.2665% | 1,860 |
| Total domestic deposits to total assets | 85.2215% | 2,321 |
| Equity capital to assets | 10.9304% | 2,917 |
| Core capital (leverage) ratio | 11.1348% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,057,500 | 3,205 |
| Average earning assets | $145,254,500 | 3,233 |
| Average equity | $17,817,000 | 3,390 |
| Average total loans | $130,383,500 | 2,828 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 427 |
| Cost of funding earning assets | 0.9594% | 1,911 |
| Net interest margin | 4.7084% | 462 |
| Noninterest income to average assets | 0.6746% | 1,904 |
| Noninterest expense to average assets | 3.9919% | 535 |
| Loan and lease loss provision to assets | 0.2386% | 795 |
| Net operating income to assets | 0.5847% | 4,207 |
| Return on assets (ROA) | 0.5847% | 4,262 |
| Pretax return on assets | 0.7113% | 4,186 |
| Return on Equity (ROE) | 5.2548% | 4,145 |
| Retained earnings to average equity (ytd only) | 1.1317% | 4,344 |
| Net charge-offs to loans | 0.4210% | 462 |
| Credit loss provision to net charge-offs | 68.4211% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.7241% | 3,384 |
| Efficiency ratio | 80.7786% | 880 |
| Assets per employee ($millions) | 3.2994% | 4,639 |
| Cash dividends to net income (ytd only)* | 78.4632% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 4,124 |
| Loan loss allowance to noncurrent loans | 191.9658% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.8684% | 446 |
| Noncurrent loans to loans | 0.4481% | 2,834 |
| Net loans and leases to total assets | 81.7219% | 584 |
| Net loans and leases to deposits | 96.3033% | 913 |
| Net loans and leases to core deposits | 99.5286% | 1,602 |
| Total domestic deposits to total assets | 84.8589% | 2,551 |
| Equity capital to assets | 11.1991% | 2,817 |
| Core capital (leverage) ratio | 11.0558% | 2,455 |
| Tier 1 risk-based capital ratio | 15.1566% | 2,717 |
| Total risk-based capital ratio | 16.1187% | 2,767 |
| Memoranda: | ||
| Average total assets | $158,019,800 | 3,219 |
| Average earning assets | $143,210,800 | 3,241 |
| Average equity | $17,584,000 | 3,383 |
| Average total loans | $130,887,000 | 2,812 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5886% | 503 |
| Cost of funding earning assets | 0.9548% | 1,973 |
| Net interest margin | 4.6338% | 571 |
| Noninterest income to average assets | 0.7184% | 1,707 |
| Noninterest expense to average assets | 4.0388% | 506 |
| Loan and lease loss provision to assets | 0.2499% | 654 |
| Net operating income to assets | 0.5175% | 4,476 |
| Return on assets (ROA) | 0.5175% | 4,525 |
| Pretax return on assets | 0.6374% | 4,475 |
| Return on Equity (ROE) | 4.6581% | 4,440 |
| Retained earnings to average equity (ytd only) | 0.6763% | 4,630 |
| Net charge-offs to loans | 0.5243% | 322 |
| Credit loss provision to net charge-offs | 57.4757% | 2,732 |
| Earnings coverage of net charge-offs (x) | 2.0408% | 3,228 |
| Efficiency ratio | 81.9880% | 755 |
| Assets per employee ($millions) | 3.3474% | 4,630 |
| Cash dividends to net income (ytd only)* | 85.4816% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 4,365 |
| Loan loss allowance to noncurrent loans | 201.4953% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.9443% | 461 |
| Noncurrent loans to loans | 0.4049% | 3,096 |
| Net loans and leases to total assets | 81.5690% | 621 |
| Net loans and leases to deposits | 95.8875% | 1,026 |
| Net loans and leases to core deposits | 99.0350% | 1,737 |
| Total domestic deposits to total assets | 85.0674% | 2,404 |
| Equity capital to assets | 10.9681% | 3,122 |
| Core capital (leverage) ratio | 11.0694% | 2,586 |
| Tier 1 risk-based capital ratio | 14.8539% | 2,922 |
| Total risk-based capital ratio | 15.7646% | 2,995 |
| Memoranda: | ||
| Average total assets | $157,932,250 | 3,252 |
| Average earning assets | $143,406,750 | 3,268 |
| Average equity | $17,546,000 | 3,406 |
| Average total loans | $130,972,250 | 2,842 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 518 |
| Cost of funding earning assets | 0.9316% | 2,004 |
| Net interest margin | 4.6144% | 602 |
| Noninterest income to average assets | 0.7528% | 1,512 |
| Noninterest expense to average assets | 3.9601% | 565 |
| Loan and lease loss provision to assets | 0.2726% | 551 |
| Net operating income to assets | 0.5617% | 4,401 |
| Return on assets (ROA) | 0.5617% | 4,431 |
| Pretax return on assets | 0.7158% | 4,296 |
| Return on Equity (ROE) | 5.0342% | 4,336 |
| Retained earnings to average equity (ytd only) | 0.3995% | 4,592 |
| Net charge-offs to loans | 0.7137% | 210 |
| Credit loss provision to net charge-offs | 45.9227% | 2,498 |
| Earnings coverage of net charge-offs (x) | 1.6652% | 3,004 |
| Efficiency ratio | 80.0257% | 962 |
| Assets per employee ($millions) | 3.3924% | 4,617 |
| Cash dividends to net income (ytd only)* | 92.0635% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,422 |
| Loan loss allowance to noncurrent loans | 143.1507% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 2.1054% | 419 |
| Noncurrent loans to loans | 0.5620% | 2,579 |
| Net loans and leases to total assets | 80.8047% | 757 |
| Net loans and leases to deposits | 95.1691% | 1,132 |
| Net loans and leases to core deposits | 98.5000% | 1,850 |
| Total domestic deposits to total assets | 84.9064% | 2,519 |
| Equity capital to assets | 11.0145% | 3,033 |
| Core capital (leverage) ratio | 11.0818% | 2,520 |
| Tier 1 risk-based capital ratio | 15.1580% | 2,766 |
| Total risk-based capital ratio | 16.0616% | 2,839 |
| Memoranda: | ||
| Average total assets | $157,018,000 | 3,276 |
| Average earning assets | $142,769,670 | 3,297 |
| Average equity | $17,520,330 | 3,415 |
| Average total loans | $130,583,330 | 2,862 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4637% | 554 |
| Cost of funding earning assets | 0.9012% | 1,994 |
| Net interest margin | 4.5625% | 659 |
| Noninterest income to average assets | 0.6470% | 1,832 |
| Noninterest expense to average assets | 3.8125% | 648 |
| Loan and lease loss provision to assets | 0.1258% | 1,396 |
| Net operating income to assets | 0.6778% | 4,011 |
| Return on assets (ROA) | 0.6778% | 4,047 |
| Pretax return on assets | 0.8678% | 3,869 |
| Return on Equity (ROE) | 6.0345% | 4,009 |
| Retained earnings to average equity (ytd only) | 1.9201% | 4,087 |
| Net charge-offs to loans | 0.1375% | 921 |
| Credit loss provision to net charge-offs | 108.8889% | 1,502 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,077 |
| Efficiency ratio | 79.3269% | 1,120 |
| Assets per employee ($millions) | 3.3613% | 4,690 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,798 |
| Loan loss allowance to noncurrent loans | 59.9539% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.1768% | 410 |
| Noncurrent loans to loans | 1.6433% | 955 |
| Net loans and leases to total assets | 82.7619% | 497 |
| Net loans and leases to deposits | 97.1808% | 871 |
| Net loans and leases to core deposits | 99.9839% | 1,623 |
| Total domestic deposits to total assets | 85.1628% | 2,616 |
| Equity capital to assets | 11.1153% | 2,732 |
| Core capital (leverage) ratio | 11.3629% | 2,235 |
| Tier 1 risk-based capital ratio | 15.0129% | 2,885 |
| Total risk-based capital ratio | 16.1240% | 2,862 |
| Memoranda: | ||
| Average total assets | $155,804,500 | 3,331 |
| Average earning assets | $142,028,000 | 3,346 |
| Average equity | $17,499,500 | 3,416 |
| Average total loans | $130,933,000 | 2,893 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 541 |
| Cost of funding earning assets | 0.6371% | 2,485 |
| Net interest margin | 4.7042% | 485 |
| Noninterest income to average assets | 0.6777% | 1,936 |
| Noninterest expense to average assets | 3.9010% | 599 |
| Loan and lease loss provision to assets | 0.0922% | 2,309 |
| Net operating income to assets | 0.7337% | 4,031 |
| Return on assets (ROA) | 0.7337% | 4,034 |
| Pretax return on assets | 0.9741% | 3,689 |
| Return on Equity (ROE) | 6.4643% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.7157% | 4,045 |
| Net charge-offs to loans | 0.0624% | 2,233 |
| Credit loss provision to net charge-offs | 177.2152% | 1,592 |
| Earnings coverage of net charge-offs (x) | 20.4937% | 1,998 |
| Efficiency ratio | 78.5335% | 1,084 |
| Assets per employee ($millions) | 3.4140% | 4,644 |
| Cash dividends to net income (ytd only)* | 57.9892% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,703 |
| Loan loss allowance to noncurrent loans | 55.4037% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.4514% | 321 |
| Noncurrent loans to loans | 1.8033% | 791 |
| Net loans and leases to total assets | 83.6566% | 445 |
| Net loans and leases to deposits | 98.6453% | 839 |
| Net loans and leases to core deposits | 101.3717% | 1,620 |
| Total domestic deposits to total assets | 84.8055% | 2,729 |
| Equity capital to assets | 11.3514% | 2,371 |
| Core capital (leverage) ratio | 11.3611% | 2,214 |
| Tier 1 risk-based capital ratio | 15.2157% | 2,730 |
| Total risk-based capital ratio | 16.3438% | 2,725 |
| Memoranda: | ||
| Average total assets | $151,832,400 | 3,365 |
| Average earning assets | $138,450,400 | 3,378 |
| Average equity | $17,233,200 | 3,370 |
| Average total loans | $126,638,000 | 2,918 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2643% | 553 |
| Cost of funding earning assets | 0.5659% | 2,731 |
| Net interest margin | 4.6983% | 478 |
| Noninterest income to average assets | 0.6324% | 2,155 |
| Noninterest expense to average assets | 3.8541% | 627 |
| Loan and lease loss provision to assets | 0.0960% | 2,061 |
| Net operating income to assets | 0.7962% | 3,918 |
| Return on assets (ROA) | 0.7962% | 3,927 |
| Pretax return on assets | 0.9671% | 3,830 |
| Return on Equity (ROE) | 7.0150% | 3,929 |
| Retained earnings to average equity (ytd only) | 3.4222% | 4,051 |
| Net charge-offs to loans | 0.0572% | 1,998 |
| Credit loss provision to net charge-offs | 201.8519% | 1,370 |
| Earnings coverage of net charge-offs (x) | 22.3513% | 1,880 |
| Efficiency ratio | 78.3808% | 1,082 |
| Assets per employee ($millions) | 3.3890% | 4,695 |
| Cash dividends to net income (ytd only)* | 51.2171% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 3,696 |
| Loan loss allowance to noncurrent loans | 55.3082% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.4662% | 355 |
| Noncurrent loans to loans | 1.8254% | 839 |
| Net loans and leases to total assets | 83.0666% | 557 |
| Net loans and leases to deposits | 97.2785% | 1,018 |
| Net loans and leases to core deposits | 99.7622% | 1,812 |
| Total domestic deposits to total assets | 85.3905% | 2,461 |
| Equity capital to assets | 11.4004% | 2,332 |
| Core capital (leverage) ratio | 11.4867% | 2,177 |
| Tier 1 risk-based capital ratio | 15.4992% | 2,657 |
| Total risk-based capital ratio | 16.6457% | 2,623 |
| Memoranda: | ||
| Average total assets | $151,383,500 | 3,404 |
| Average earning assets | $138,059,250 | 3,419 |
| Average equity | $17,181,750 | 3,409 |
| Average total loans | $125,843,250 | 2,957 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1861% | 562 |
| Cost of funding earning assets | 0.4950% | 3,034 |
| Net interest margin | 4.6912% | 446 |
| Noninterest income to average assets | 0.6185% | 2,230 |
| Noninterest expense to average assets | 3.8580% | 635 |
| Loan and lease loss provision to assets | 0.0940% | 2,040 |
| Net operating income to assets | 0.7390% | 4,071 |
| Return on assets (ROA) | 0.7390% | 4,072 |
| Pretax return on assets | 0.9470% | 3,817 |
| Return on Equity (ROE) | 6.5211% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.0736% | 4,024 |
| Net charge-offs to loans | 0.0543% | 1,826 |
| Credit loss provision to net charge-offs | 208.8235% | 1,266 |
| Earnings coverage of net charge-offs (x) | 23.1176% | 1,721 |
| Efficiency ratio | 78.7510% | 1,140 |
| Assets per employee ($millions) | 3.1942% | 4,936 |
| Cash dividends to net income (ytd only)* | 52.8674% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,886 |
| Loan loss allowance to noncurrent loans | 59.8214% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.4446% | 361 |
| Noncurrent loans to loans | 1.6611% | 961 |
| Net loans and leases to total assets | 82.7244% | 621 |
| Net loans and leases to deposits | 96.6185% | 1,083 |
| Net loans and leases to core deposits | 100.8524% | 1,661 |
| Total domestic deposits to total assets | 85.6196% | 2,445 |
| Equity capital to assets | 11.2262% | 2,428 |
| Core capital (leverage) ratio | 11.4950% | 2,081 |
| Tier 1 risk-based capital ratio | 15.2180% | 2,774 |
| Total risk-based capital ratio | 16.3385% | 2,755 |
| Memoranda: | ||
| Average total assets | $151,010,330 | 3,422 |
| Average earning assets | $137,790,330 | 3,446 |
| Average equity | $17,113,670 | 3,432 |
| Average total loans | $125,134,000 | 2,980 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 557 |
| Cost of funding earning assets | 0.4564% | 3,155 |
| Net interest margin | 4.6698% | 427 |
| Noninterest income to average assets | 0.7180% | 1,753 |
| Noninterest expense to average assets | 3.8757% | 607 |
| Loan and lease loss provision to assets | 0.0988% | 1,870 |
| Net operating income to assets | 0.7848% | 3,773 |
| Return on assets (ROA) | 0.7848% | 3,768 |
| Pretax return on assets | 1.0036% | 3,520 |
| Return on Equity (ROE) | 6.8915% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.8287% | 3,246 |
| Net charge-offs to loans | 0.0873% | 1,285 |
| Credit loss provision to net charge-offs | 137.0370% | 1,288 |
| Earnings coverage of net charge-offs (x) | 15.2963% | 1,670 |
| Efficiency ratio | 77.8552% | 1,363 |
| Assets per employee ($millions) | 3.3577% | 4,838 |
| Cash dividends to net income (ytd only)* | 29.9320% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,932 |
| Loan loss allowance to noncurrent loans | 62.6131% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.3601% | 412 |
| Noncurrent loans to loans | 1.6032% | 1,086 |
| Net loans and leases to total assets | 81.3243% | 750 |
| Net loans and leases to deposits | 94.6598% | 1,172 |
| Net loans and leases to core deposits | 98.5982% | 1,798 |
| Total domestic deposits to total assets | 85.9122% | 2,584 |
| Equity capital to assets | 11.3492% | 2,257 |
| Core capital (leverage) ratio | 11.6059% | 1,926 |
| Tier 1 risk-based capital ratio | 15.9111% | 2,517 |
| Total risk-based capital ratio | 17.0616% | 2,499 |
| Memoranda: | ||
| Average total assets | $149,855,500 | 3,469 |
| Average earning assets | $136,709,000 | 3,496 |
| Average equity | $17,064,500 | 3,468 |
| Average total loans | $123,648,000 | 3,019 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 546 |
| Cost of funding earning assets | 0.4596% | 2,686 |
| Net interest margin | 4.6292% | 470 |
| Noninterest income to average assets | 0.6328% | 2,287 |
| Noninterest expense to average assets | 3.7636% | 729 |
| Loan and lease loss provision to assets | 0.1262% | 1,814 |
| Net operating income to assets | 0.4480% | 4,545 |
| Return on assets (ROA) | 0.4475% | 4,571 |
| Pretax return on assets | 0.9555% | 3,713 |
| Return on Equity (ROE) | 3.9792% | 4,509 |
| Retained earnings to average equity (ytd only) | 1.6767% | 4,296 |
| Net charge-offs to loans | 0.1093% | 1,975 |
| Credit loss provision to net charge-offs | 145.0382% | 1,833 |
| Earnings coverage of net charge-offs (x) | 12.4427% | 2,475 |
| Efficiency ratio | 77.6651% | 1,399 |
| Assets per employee ($millions) | 3.3026% | 4,934 |
| Cash dividends to net income (ytd only)* | 57.8635% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,917 |
| Loan loss allowance to noncurrent loans | 122.2552% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6223% | 814 |
| Noncurrent loans to loans | 0.8208% | 2,163 |
| Net loans and leases to total assets | 82.0484% | 677 |
| Net loans and leases to deposits | 95.6384% | 1,118 |
| Net loans and leases to core deposits | 99.6787% | 1,734 |
| Total domestic deposits to total assets | 85.7902% | 2,538 |
| Equity capital to assets | 11.4261% | 2,255 |
| Core capital (leverage) ratio | 11.4131% | 2,006 |
| Tier 1 risk-based capital ratio | 15.9013% | 2,466 |
| Total risk-based capital ratio | 17.0557% | 2,454 |
| Memoranda: | ||
| Average total assets | $150,600,800 | 3,464 |
| Average earning assets | $137,064,800 | 3,491 |
| Average equity | $16,938,200 | 3,485 |
| Average total loans | $119,888,800 | 3,062 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 577 |
| Cost of funding earning assets | 0.4580% | 2,636 |
| Net interest margin | 4.5708% | 518 |
| Noninterest income to average assets | 0.6450% | 2,233 |
| Noninterest expense to average assets | 3.7458% | 727 |
| Loan and lease loss provision to assets | 0.1306% | 1,664 |
| Net operating income to assets | 0.6803% | 4,079 |
| Return on assets (ROA) | 0.6803% | 4,137 |
| Pretax return on assets | 0.9257% | 3,949 |
| Return on Equity (ROE) | 6.0728% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.8123% | 3,652 |
| Net charge-offs to loans | 0.0672% | 2,160 |
| Credit loss provision to net charge-offs | 246.6667% | 1,146 |
| Earnings coverage of net charge-offs (x) | 19.9495% | 1,977 |
| Efficiency ratio | 78.0044% | 1,332 |
| Assets per employee ($millions) | 3.1934% | 5,073 |
| Cash dividends to net income (ytd only)* | 37.2248% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,756 |
| Loan loss allowance to noncurrent loans | 165.7929% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 930 |
| Noncurrent loans to loans | 0.6365% | 2,801 |
| Net loans and leases to total assets | 79.0193% | 1,122 |
| Net loans and leases to deposits | 92.4043% | 1,509 |
| Net loans and leases to core deposits | 96.5955% | 2,016 |
| Total domestic deposits to total assets | 85.5147% | 2,516 |
| Equity capital to assets | 11.4758% | 2,403 |
| Core capital (leverage) ratio | 11.4578% | 2,049 |
| Tier 1 risk-based capital ratio | 16.4320% | 2,342 |
| Total risk-based capital ratio | 17.6394% | 2,307 |
| Memoranda: | ||
| Average total assets | $151,097,000 | 3,486 |
| Average earning assets | $137,420,750 | 3,515 |
| Average equity | $16,927,500 | 3,527 |
| Average total loans | $119,067,750 | 3,097 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 594 |
| Cost of funding earning assets | 0.4574% | 2,529 |
| Net interest margin | 4.5104% | 559 |
| Noninterest income to average assets | 0.5679% | 2,617 |
| Noninterest expense to average assets | 3.7152% | 760 |
| Loan and lease loss provision to assets | 0.1651% | 1,204 |
| Net operating income to assets | 0.5943% | 4,332 |
| Return on assets (ROA) | 0.5943% | 4,380 |
| Pretax return on assets | 0.7898% | 4,311 |
| Return on Equity (ROE) | 5.3480% | 4,332 |
| Retained earnings to average equity (ytd only) | 2.9830% | 3,942 |
| Net charge-offs to loans | 0.1145% | 1,494 |
| Credit loss provision to net charge-offs | 183.8235% | 1,345 |
| Earnings coverage of net charge-offs (x) | 10.6324% | 2,332 |
| Efficiency ratio | 79.5532% | 1,266 |
| Assets per employee ($millions) | 3.2076% | 5,083 |
| Cash dividends to net income (ytd only)* | 44.2222% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,918 |
| Loan loss allowance to noncurrent loans | 125.4065% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.8460% | 734 |
| Noncurrent loans to loans | 0.8273% | 2,331 |
| Net loans and leases to total assets | 78.0768% | 1,238 |
| Net loans and leases to deposits | 91.1546% | 1,590 |
| Net loans and leases to core deposits | 95.0837% | 2,064 |
| Total domestic deposits to total assets | 85.6532% | 2,548 |
| Equity capital to assets | 11.2697% | 2,527 |
| Core capital (leverage) ratio | 11.2363% | 2,193 |
| Tier 1 risk-based capital ratio | 16.2629% | 2,403 |
| Total risk-based capital ratio | 17.4445% | 2,372 |
| Memoranda: | ||
| Average total assets | $151,432,670 | 3,499 |
| Average earning assets | $137,726,670 | 3,524 |
| Average equity | $16,828,670 | 3,554 |
| Average total loans | $118,802,000 | 3,108 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 622 |
| Cost of funding earning assets | 0.4582% | 2,452 |
| Net interest margin | 4.4482% | 576 |
| Noninterest income to average assets | 0.5956% | 2,441 |
| Noninterest expense to average assets | 3.6951% | 784 |
| Loan and lease loss provision to assets | 0.1660% | 1,078 |
| Net operating income to assets | 0.5851% | 4,217 |
| Return on assets (ROA) | 0.5851% | 4,263 |
| Pretax return on assets | 0.7775% | 4,195 |
| Return on Equity (ROE) | 5.3021% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.1048% | 3,860 |
| Net charge-offs to loans | 0.1954% | 884 |
| Credit loss provision to net charge-offs | 108.6207% | 1,485 |
| Earnings coverage of net charge-offs (x) | 6.1724% | 2,236 |
| Efficiency ratio | 79.6591% | 1,422 |
| Assets per employee ($millions) | 3.2468% | 5,107 |
| Cash dividends to net income (ytd only)* | 41.4414% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 4,293 |
| Loan loss allowance to noncurrent loans | 180.0305% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.7654% | 822 |
| Noncurrent loans to loans | 0.5551% | 3,143 |
| Net loans and leases to total assets | 76.6661% | 1,310 |
| Net loans and leases to deposits | 89.1489% | 1,650 |
| Net loans and leases to core deposits | 92.9289% | 2,074 |
| Total domestic deposits to total assets | 85.9979% | 2,665 |
| Equity capital to assets | 11.0264% | 2,604 |
| Core capital (leverage) ratio | 11.1868% | 2,199 |
| Tier 1 risk-based capital ratio | 16.1804% | 2,481 |
| Total risk-based capital ratio | 17.3135% | 2,476 |
| Memoranda: | ||
| Average total assets | $151,770,000 | 3,533 |
| Average earning assets | $137,944,000 | 3,555 |
| Average equity | $16,748,000 | 3,577 |
| Average total loans | $118,732,500 | 3,126 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 530 |
| Cost of funding earning assets | 0.5026% | 2,071 |
| Net interest margin | 4.5649% | 537 |
| Noninterest income to average assets | 0.7003% | 2,166 |
| Noninterest expense to average assets | 3.7776% | 794 |
| Loan and lease loss provision to assets | 0.0545% | 3,289 |
| Net operating income to assets | 0.7422% | 3,577 |
| Return on assets (ROA) | 0.7422% | 3,692 |
| Pretax return on assets | 1.0062% | 3,454 |
| Return on Equity (ROE) | 6.8139% | 3,572 |
| Retained earnings to average equity (ytd only) | 4.4083% | 2,776 |
| Net charge-offs to loans | 0.3801% | 711 |
| Credit loss provision to net charge-offs | 18.4685% | 3,683 |
| Earnings coverage of net charge-offs (x) | 3.5923% | 3,633 |
| Efficiency ratio | 78.0756% | 1,684 |
| Assets per employee ($millions) | 3.0804% | 5,285 |
| Cash dividends to net income (ytd only)* | 35.3047% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,405 |
| Loan loss allowance to noncurrent loans | 144.0636% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9544% | 714 |
| Noncurrent loans to loans | 0.6849% | 2,821 |
| Net loans and leases to total assets | 78.2526% | 1,166 |
| Net loans and leases to deposits | 91.1016% | 1,561 |
| Net loans and leases to core deposits | 95.4504% | 1,970 |
| Total domestic deposits to total assets | 85.8959% | 2,635 |
| Equity capital to assets | 11.0440% | 2,598 |
| Core capital (leverage) ratio | 11.0919% | 2,262 |
| Tier 1 risk-based capital ratio | 15.8008% | 2,629 |
| Total risk-based capital ratio | 16.9122% | 2,606 |
| Memoranda: | ||
| Average total assets | $150,361,400 | 3,518 |
| Average earning assets | $136,299,600 | 3,551 |
| Average equity | $16,378,200 | 3,641 |
| Average total loans | $116,820,600 | 3,115 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 544 |
| Cost of funding earning assets | 0.5076% | 2,043 |
| Net interest margin | 4.5426% | 567 |
| Noninterest income to average assets | 0.6941% | 2,194 |
| Noninterest expense to average assets | 3.7856% | 756 |
| Loan and lease loss provision to assets | 0.0062% | 4,105 |
| Net operating income to assets | 0.7269% | 3,711 |
| Return on assets (ROA) | 0.7269% | 3,844 |
| Pretax return on assets | 1.0172% | 3,570 |
| Return on Equity (ROE) | 6.6970% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.2930% | 3,268 |
| Net charge-offs to loans | 0.2180% | 1,068 |
| Credit loss provision to net charge-offs | 3.6842% | 3,396 |
| Earnings coverage of net charge-offs (x) | 6.0683% | 3,041 |
| Efficiency ratio | 78.7191% | 1,591 |
| Assets per employee ($millions) | 3.0866% | 5,303 |
| Cash dividends to net income (ytd only)* | 35.8975% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,532 |
| Loan loss allowance to noncurrent loans | 124.2896% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 675 |
| Noncurrent loans to loans | 0.9265% | 2,396 |
| Net loans and leases to total assets | 76.9625% | 1,370 |
| Net loans and leases to deposits | 89.1764% | 1,860 |
| Net loans and leases to core deposits | 92.9966% | 2,277 |
| Total domestic deposits to total assets | 86.3037% | 2,216 |
| Equity capital to assets | 10.9749% | 3,034 |
| Core capital (leverage) ratio | 10.9820% | 2,465 |
| Tier 1 risk-based capital ratio | 15.7399% | 2,728 |
| Total risk-based capital ratio | 16.9906% | 2,664 |
| Memoranda: | ||
| Average total assets | $150,216,250 | 3,534 |
| Average earning assets | $136,070,000 | 3,569 |
| Average equity | $16,305,250 | 3,685 |
| Average total loans | $116,202,500 | 3,136 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 528 |
| Cost of funding earning assets | 0.5157% | 1,974 |
| Net interest margin | 4.5411% | 566 |
| Noninterest income to average assets | 0.6819% | 2,225 |
| Noninterest expense to average assets | 3.7312% | 840 |
| Loan and lease loss provision to assets | 0.0040% | 3,965 |
| Net operating income to assets | 0.7580% | 3,513 |
| Return on assets (ROA) | 0.7580% | 3,658 |
| Pretax return on assets | 1.0596% | 3,365 |
| Return on Equity (ROE) | 7.0092% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.5165% | 3,039 |
| Net charge-offs to loans | 0.1971% | 1,164 |
| Credit loss provision to net charge-offs | 2.6316% | 3,037 |
| Earnings coverage of net charge-offs (x) | 6.9912% | 2,681 |
| Efficiency ratio | 77.8180% | 1,819 |
| Assets per employee ($millions) | 3.0724% | 5,353 |
| Cash dividends to net income (ytd only)* | 35.5634% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 3,105 |
| Loan loss allowance to noncurrent loans | 141.3861% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 2.1674% | 719 |
| Noncurrent loans to loans | 0.8805% | 2,535 |
| Net loans and leases to total assets | 75.2478% | 1,605 |
| Net loans and leases to deposits | 87.1845% | 2,112 |
| Net loans and leases to core deposits | 91.1977% | 2,419 |
| Total domestic deposits to total assets | 86.3087% | 2,264 |
| Equity capital to assets | 10.9261% | 3,142 |
| Core capital (leverage) ratio | 10.8032% | 2,648 |
| Tier 1 risk-based capital ratio | 15.8296% | 2,725 |
| Total risk-based capital ratio | 17.0813% | 2,663 |
| Memoranda: | ||
| Average total assets | $149,873,330 | 3,564 |
| Average earning assets | $135,738,670 | 3,600 |
| Average equity | $16,207,330 | 3,707 |
| Average total loans | $115,684,000 | 3,147 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 508 |
| Cost of funding earning assets | 0.5201% | 1,943 |
| Net interest margin | 4.5568% | 545 |
| Noninterest income to average assets | 0.5831% | 2,625 |
| Noninterest expense to average assets | 3.7743% | 806 |
| Loan and lease loss provision to assets | 0.0053% | 3,604 |
| Net operating income to assets | 0.6741% | 3,853 |
| Return on assets (ROA) | 0.6741% | 3,975 |
| Pretax return on assets | 0.9282% | 3,738 |
| Return on Equity (ROE) | 6.2661% | 3,850 |
| Retained earnings to average equity (ytd only) | 3.6055% | 3,693 |
| Net charge-offs to loans | 0.0585% | 1,923 |
| Credit loss provision to net charge-offs | 11.7647% | 2,352 |
| Earnings coverage of net charge-offs (x) | 20.5294% | 1,461 |
| Efficiency ratio | 80.1705% | 1,587 |
| Assets per employee ($millions) | 3.0638% | 5,437 |
| Cash dividends to net income (ytd only)* | 42.4603% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,884 |
| Loan loss allowance to noncurrent loans | 143.6381% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 2.1549% | 777 |
| Noncurrent loans to loans | 0.9065% | 2,588 |
| Net loans and leases to total assets | 76.9484% | 1,257 |
| Net loans and leases to deposits | 89.0518% | 1,694 |
| Net loans and leases to core deposits | 93.1559% | 2,074 |
| Total domestic deposits to total assets | 86.4086% | 2,490 |
| Equity capital to assets | 10.7804% | 3,177 |
| Core capital (leverage) ratio | 10.8062% | 2,614 |
| Tier 1 risk-based capital ratio | 15.5525% | 2,889 |
| Total risk-based capital ratio | 16.8048% | 2,820 |
| Memoranda: | ||
| Average total assets | $149,536,000 | 3,591 |
| Average earning assets | $135,358,500 | 3,627 |
| Average equity | $16,086,500 | 3,719 |
| Average total loans | $116,170,000 | 3,142 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 588 |
| Cost of funding earning assets | 0.5555% | 1,714 |
| Net interest margin | 4.4741% | 689 |
| Noninterest income to average assets | 0.6426% | 2,499 |
| Noninterest expense to average assets | 3.6904% | 991 |
| Loan and lease loss provision to assets | -0.0007% | 5,595 |
| Net operating income to assets | 0.7038% | 3,790 |
| Return on assets (ROA) | 0.7048% | 3,892 |
| Pretax return on assets | 0.9876% | 3,516 |
| Return on Equity (ROE) | 6.7272% | 3,671 |
| Retained earnings to average equity (ytd only) | 4.5699% | 2,727 |
| Net charge-offs to loans | 0.1342% | 2,021 |
| Credit loss provision to net charge-offs | -0.6623% | 4,912 |
| Earnings coverage of net charge-offs (x) | 9.7616% | 2,781 |
| Efficiency ratio | 78.9218% | 1,826 |
| Assets per employee ($millions) | 2.9205% | 5,592 |
| Cash dividends to net income (ytd only)* | 32.0683% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,732 |
| Loan loss allowance to noncurrent loans | 149.8539% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 2.3693% | 672 |
| Noncurrent loans to loans | 0.8907% | 2,572 |
| Net loans and leases to total assets | 76.3750% | 1,350 |
| Net loans and leases to deposits | 88.4506% | 1,816 |
| Net loans and leases to core deposits | 92.5532% | 2,172 |
| Total domestic deposits to total assets | 86.3476% | 2,463 |
| Equity capital to assets | 10.7346% | 3,095 |
| Core capital (leverage) ratio | 10.7555% | 2,652 |
| Tier 1 risk-based capital ratio | 15.4776% | 2,941 |
| Total risk-based capital ratio | 16.7303% | 2,880 |
| Memoranda: | ||
| Average total assets | $149,551,800 | 3,575 |
| Average earning assets | $134,821,600 | 3,612 |
| Average equity | $15,667,800 | 3,735 |
| Average total loans | $112,534,400 | 3,160 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 627 |
| Cost of funding earning assets | 0.5557% | 1,755 |
| Net interest margin | 4.4401% | 736 |
| Noninterest income to average assets | 0.6421% | 2,518 |
| Noninterest expense to average assets | 3.6418% | 1,054 |
| Loan and lease loss provision to assets | -0.0027% | 5,787 |
| Net operating income to assets | 0.7259% | 3,782 |
| Return on assets (ROA) | 0.7259% | 3,889 |
| Pretax return on assets | 1.0020% | 3,605 |
| Return on Equity (ROE) | 6.9712% | 3,634 |
| Retained earnings to average equity (ytd only) | 5.0809% | 2,858 |
| Net charge-offs to loans | 0.1621% | 1,528 |
| Credit loss provision to net charge-offs | -2.2059% | 4,808 |
| Earnings coverage of net charge-offs (x) | 8.2499% | 2,832 |
| Efficiency ratio | 78.4686% | 1,892 |
| Assets per employee ($millions) | 3.0207% | 5,527 |
| Cash dividends to net income (ytd only)* | 27.1166% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 2,646 |
| Loan loss allowance to noncurrent loans | 197.7070% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 2.2768% | 816 |
| Noncurrent loans to loans | 0.7034% | 3,221 |
| Net loans and leases to total assets | 74.3482% | 1,669 |
| Net loans and leases to deposits | 86.1065% | 2,128 |
| Net loans and leases to core deposits | 91.0245% | 2,355 |
| Total domestic deposits to total assets | 86.3444% | 2,364 |
| Equity capital to assets | 10.7437% | 3,313 |
| Core capital (leverage) ratio | 10.6414% | 2,887 |
| Tier 1 risk-based capital ratio | 15.6942% | 2,955 |
| Total risk-based capital ratio | 16.9477% | 2,890 |
| Memoranda: | ||
| Average total assets | $149,702,750 | 3,608 |
| Average earning assets | $134,829,500 | 3,653 |
| Average equity | $15,587,500 | 3,788 |
| Average total loans | $111,843,500 | 3,201 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 628 |
| Cost of funding earning assets | 0.5591% | 1,744 |
| Net interest margin | 4.4076% | 750 |
| Noninterest income to average assets | 0.6136% | 2,662 |
| Noninterest expense to average assets | 3.6176% | 1,094 |
| Loan and lease loss provision to assets | -0.0053% | 5,947 |
| Net operating income to assets | 0.7014% | 3,884 |
| Return on assets (ROA) | 0.7014% | 4,004 |
| Pretax return on assets | 0.9676% | 3,708 |
| Return on Equity (ROE) | 6.8076% | 3,724 |
| Retained earnings to average equity (ytd only) | 4.9345% | 2,892 |
| Net charge-offs to loans | 0.1019% | 1,989 |
| Credit loss provision to net charge-offs | -7.0175% | 4,681 |
| Earnings coverage of net charge-offs (x) | 12.6842% | 2,184 |
| Efficiency ratio | 78.9887% | 1,917 |
| Assets per employee ($millions) | 2.9885% | 5,605 |
| Cash dividends to net income (ytd only)* | 27.5142% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 2,479 |
| Loan loss allowance to noncurrent loans | 187.3563% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 2.2934% | 883 |
| Noncurrent loans to loans | 0.7768% | 3,167 |
| Net loans and leases to total assets | 73.8608% | 1,684 |
| Net loans and leases to deposits | 85.2328% | 2,141 |
| Net loans and leases to core deposits | 90.2193% | 2,327 |
| Total domestic deposits to total assets | 86.6577% | 2,340 |
| Equity capital to assets | 10.4807% | 3,461 |
| Core capital (leverage) ratio | 10.3604% | 3,134 |
| Tier 1 risk-based capital ratio | 15.5305% | 3,085 |
| Total risk-based capital ratio | 16.7847% | 3,033 |
| Memoranda: | ||
| Average total assets | $150,266,000 | 3,628 |
| Average earning assets | $135,222,000 | 3,678 |
| Average equity | $15,482,670 | 3,817 |
| Average total loans | $111,925,670 | 3,210 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 618 |
| Cost of funding earning assets | 0.5636% | 1,719 |
| Net interest margin | 4.3908% | 748 |
| Noninterest income to average assets | 0.6185% | 2,556 |
| Noninterest expense to average assets | 3.6075% | 1,128 |
| Loan and lease loss provision to assets | 0.0053% | 3,641 |
| Net operating income to assets | 0.6875% | 3,862 |
| Return on assets (ROA) | 0.6875% | 3,988 |
| Pretax return on assets | 0.9556% | 3,666 |
| Return on Equity (ROE) | 6.7301% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.0151% | 3,045 |
| Net charge-offs to loans | 0.1609% | 1,308 |
| Credit loss provision to net charge-offs | 4.4444% | 2,465 |
| Earnings coverage of net charge-offs (x) | 8.0444% | 2,115 |
| Efficiency ratio | 78.9657% | 2,049 |
| Assets per employee ($millions) | 3.0451% | 5,612 |
| Cash dividends to net income (ytd only)* | 25.4826% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,584 |
| Loan loss allowance to noncurrent loans | 154.7418% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 2.5963% | 804 |
| Noncurrent loans to loans | 0.9491% | 2,875 |
| Net loans and leases to total assets | 72.6142% | 1,713 |
| Net loans and leases to deposits | 83.5699% | 2,135 |
| Net loans and leases to core deposits | 87.8602% | 2,346 |
| Total domestic deposits to total assets | 86.8903% | 2,432 |
| Equity capital to assets | 10.1790% | 3,904 |
| Core capital (leverage) ratio | 10.2678% | 3,254 |
| Tier 1 risk-based capital ratio | 14.5560% | 3,692 |
| Total risk-based capital ratio | 15.5898% | 3,733 |
| Memoranda: | ||
| Average total assets | $150,685,500 | 3,642 |
| Average earning assets | $135,557,000 | 3,695 |
| Average equity | $15,393,500 | 3,857 |
| Average total loans | $111,889,500 | 3,229 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 618 |
| Cost of funding earning assets | 0.6259% | 1,568 |
| Net interest margin | 4.4846% | 773 |
| Noninterest income to average assets | 0.5414% | 3,225 |
| Noninterest expense to average assets | 3.7629% | 1,046 |
| Loan and lease loss provision to assets | 0.0256% | 4,095 |
| Net operating income to assets | 0.5643% | 4,533 |
| Return on assets (ROA) | 0.5643% | 4,627 |
| Pretax return on assets | 0.7576% | 4,413 |
| Return on Equity (ROE) | 5.5760% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.5066% | 3,721 |
| Net charge-offs to loans | 0.4180% | 1,018 |
| Credit loss provision to net charge-offs | 8.2073% | 4,122 |
| Earnings coverage of net charge-offs (x) | 2.5119% | 4,129 |
| Efficiency ratio | 82.7729% | 1,557 |
| Assets per employee ($millions) | 2.8676% | 5,868 |
| Cash dividends to net income (ytd only)* | 37.1122% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 2,406 |
| Loan loss allowance to noncurrent loans | 203.0012% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 2.8092% | 758 |
| Noncurrent loans to loans | 0.7466% | 3,457 |
| Net loans and leases to total assets | 73.6884% | 1,641 |
| Net loans and leases to deposits | 84.9172% | 2,109 |
| Net loans and leases to core deposits | 88.9402% | 2,388 |
| Total domestic deposits to total assets | 86.7768% | 2,403 |
| Equity capital to assets | 10.2530% | 3,786 |
| Core capital (leverage) ratio | 10.2295% | 3,273 |
| Tier 1 risk-based capital ratio | 14.6571% | 3,692 |
| Total risk-based capital ratio | 15.9115% | 3,617 |
| Memoranda: | ||
| Average total assets | $148,500,600 | 3,654 |
| Average earning assets | $132,610,400 | 3,709 |
| Average equity | $15,028,600 | 3,829 |
| Average total loans | $110,761,000 | 3,201 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 646 |
| Cost of funding earning assets | 0.6316% | 1,588 |
| Net interest margin | 4.4663% | 795 |
| Noninterest income to average assets | 0.6912% | 2,375 |
| Noninterest expense to average assets | 3.7542% | 1,032 |
| Loan and lease loss provision to assets | 0.0054% | 4,305 |
| Net operating income to assets | 0.6444% | 4,240 |
| Return on assets (ROA) | 0.6444% | 4,338 |
| Pretax return on assets | 0.9168% | 3,919 |
| Return on Equity (ROE) | 6.3887% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.6067% | 3,356 |
| Net charge-offs to loans | 0.4957% | 786 |
| Credit loss provision to net charge-offs | 1.4599% | 3,793 |
| Earnings coverage of net charge-offs (x) | 2.4963% | 3,901 |
| Efficiency ratio | 80.2806% | 1,871 |
| Assets per employee ($millions) | 2.9718% | 5,757 |
| Cash dividends to net income (ytd only)* | 27.8939% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 2,541 |
| Loan loss allowance to noncurrent loans | 129.9165% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 3.3354% | 653 |
| Noncurrent loans to loans | 1.1865% | 2,684 |
| Net loans and leases to total assets | 73.5485% | 1,591 |
| Net loans and leases to deposits | 85.1501% | 2,013 |
| Net loans and leases to core deposits | 89.3691% | 2,283 |
| Total domestic deposits to total assets | 86.3752% | 2,657 |
| Equity capital to assets | 10.2659% | 3,835 |
| Core capital (leverage) ratio | 10.3042% | 3,291 |
| Tier 1 risk-based capital ratio | 14.5855% | 3,824 |
| Total risk-based capital ratio | 15.8403% | 3,762 |
| Memoranda: | ||
| Average total assets | $148,346,500 | 3,686 |
| Average earning assets | $132,365,750 | 3,742 |
| Average equity | $14,963,500 | 3,866 |
| Average total loans | $110,558,000 | 3,225 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 657 |
| Cost of funding earning assets | 0.6336% | 1,630 |
| Net interest margin | 4.4349% | 802 |
| Noninterest income to average assets | 0.6745% | 2,407 |
| Noninterest expense to average assets | 3.7446% | 1,061 |
| Loan and lease loss provision to assets | 0.0067% | 4,102 |
| Net operating income to assets | 0.6205% | 4,247 |
| Return on assets (ROA) | 0.6205% | 4,342 |
| Pretax return on assets | 0.8795% | 3,960 |
| Return on Equity (ROE) | 6.1883% | 4,056 |
| Retained earnings to average equity (ytd only) | 4.3856% | 3,387 |
| Net charge-offs to loans | 0.5833% | 693 |
| Credit loss provision to net charge-offs | 1.5528% | 3,392 |
| Earnings coverage of net charge-offs (x) | 2.0404% | 3,662 |
| Efficiency ratio | 80.8622% | 1,899 |
| Assets per employee ($millions) | 2.9809% | 5,776 |
| Cash dividends to net income (ytd only)* | 29.1304% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 2,376 |
| Loan loss allowance to noncurrent loans | 147.2177% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 3.1313% | 807 |
| Noncurrent loans to loans | 1.1036% | 3,019 |
| Net loans and leases to total assets | 73.0849% | 1,563 |
| Net loans and leases to deposits | 84.4030% | 1,994 |
| Net loans and leases to core deposits | 88.4845% | 2,263 |
| Total domestic deposits to total assets | 86.5904% | 2,709 |
| Equity capital to assets | 10.1206% | 3,944 |
| Core capital (leverage) ratio | 10.1328% | 3,431 |
| Tier 1 risk-based capital ratio | 14.4842% | 3,939 |
| Total risk-based capital ratio | 15.7402% | 3,878 |
| Memoranda: | ||
| Average total assets | $148,265,670 | 3,708 |
| Average earning assets | $132,270,000 | 3,764 |
| Average equity | $14,866,670 | 3,881 |
| Average total loans | $110,412,000 | 3,234 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 654 |
| Cost of funding earning assets | 0.6339% | 1,700 |
| Net interest margin | 4.4160% | 778 |
| Noninterest income to average assets | 0.6384% | 2,530 |
| Noninterest expense to average assets | 3.7896% | 1,003 |
| Loan and lease loss provision to assets | 0.0135% | 3,653 |
| Net operating income to assets | 0.5545% | 4,436 |
| Return on assets (ROA) | 0.5545% | 4,509 |
| Pretax return on assets | 0.7736% | 4,208 |
| Return on Equity (ROE) | 5.5563% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.7403% | 3,888 |
| Net charge-offs to loans | 0.2213% | 1,438 |
| Credit loss provision to net charge-offs | 8.1967% | 2,621 |
| Earnings coverage of net charge-offs (x) | 4.7705% | 2,480 |
| Efficiency ratio | 82.8014% | 1,825 |
| Assets per employee ($millions) | 2.9753% | 5,886 |
| Cash dividends to net income (ytd only)* | 32.6829% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 1,809 |
| Loan loss allowance to noncurrent loans | 95.7249% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 3.9607% | 608 |
| Noncurrent loans to loans | 1.9658% | 1,907 |
| Net loans and leases to total assets | 72.2021% | 1,547 |
| Net loans and leases to deposits | 82.3816% | 2,013 |
| Net loans and leases to core deposits | 86.3189% | 2,284 |
| Total domestic deposits to total assets | 87.6434% | 2,431 |
| Equity capital to assets | 9.9783% | 3,867 |
| Core capital (leverage) ratio | 10.1045% | 3,422 |
| Tier 1 risk-based capital ratio | 14.3513% | 4,097 |
| Total risk-based capital ratio | 15.6106% | 4,050 |
| Memoranda: | ||
| Average total assets | $147,877,000 | 3,736 |
| Average earning assets | $131,883,000 | 3,801 |
| Average equity | $14,758,000 | 3,907 |
| Average total loans | $110,254,500 | 3,257 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1741% | 682 |
| Cost of funding earning assets | 0.7489% | 1,502 |
| Net interest margin | 4.4253% | 864 |
| Noninterest income to average assets | 0.7253% | 2,406 |
| Noninterest expense to average assets | 3.5835% | 1,476 |
| Loan and lease loss provision to assets | 0.2923% | 1,163 |
| Net operating income to assets | 0.5879% | 4,320 |
| Return on assets (ROA) | 0.5879% | 4,429 |
| Pretax return on assets | 0.8014% | 4,136 |
| Return on Equity (ROE) | 6.1090% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.7731% | 2,118 |
| Net charge-offs to loans | 0.6600% | 983 |
| Credit loss provision to net charge-offs | 59.6974% | 3,577 |
| Earnings coverage of net charge-offs (x) | 2.2338% | 4,276 |
| Efficiency ratio | 76.6163% | 2,689 |
| Assets per employee ($millions) | 2.9398% | 5,923 |
| Cash dividends to net income (ytd only)* | 5.4983% | 4,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 1,771 |
| Loan loss allowance to noncurrent loans | 75.1154% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 4.2805% | 598 |
| Noncurrent loans to loans | 2.5369% | 1,480 |
| Net loans and leases to total assets | 74.1018% | 1,331 |
| Net loans and leases to deposits | 84.7709% | 1,829 |
| Net loans and leases to core deposits | 89.3141% | 2,105 |
| Total domestic deposits to total assets | 87.4142% | 2,518 |
| Equity capital to assets | 9.9816% | 3,798 |
| Core capital (leverage) ratio | 10.0227% | 3,527 |
| Tier 1 risk-based capital ratio | 14.0068% | 4,292 |
| Total risk-based capital ratio | 15.2662% | 4,222 |
| Memoranda: | ||
| Average total assets | $148,484,600 | 3,732 |
| Average earning assets | $132,602,600 | 3,784 |
| Average equity | $14,290,400 | 4,004 |
| Average total loans | $110,158,000 | 3,244 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 669 |
| Cost of funding earning assets | 0.7656% | 1,512 |
| Net interest margin | 4.4201% | 855 |
| Noninterest income to average assets | 0.6888% | 2,673 |
| Noninterest expense to average assets | 3.5406% | 1,521 |
| Loan and lease loss provision to assets | 0.3860% | 802 |
| Net operating income to assets | 0.5043% | 4,771 |
| Return on assets (ROA) | 0.5043% | 4,939 |
| Pretax return on assets | 0.7130% | 4,647 |
| Return on Equity (ROE) | 5.2881% | 4,570 |
| Retained earnings to average equity (ytd only) | 5.2130% | 2,925 |
| Net charge-offs to loans | 0.7835% | 754 |
| Credit loss provision to net charge-offs | 66.7183% | 3,139 |
| Earnings coverage of net charge-offs (x) | 1.8994% | 4,191 |
| Efficiency ratio | 76.3127% | 2,684 |
| Assets per employee ($millions) | 3.0764% | 5,721 |
| Cash dividends to net income (ytd only)* | 1.4214% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 1,691 |
| Loan loss allowance to noncurrent loans | 83.1439% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 3.8818% | 824 |
| Noncurrent loans to loans | 2.4198% | 1,808 |
| Net loans and leases to total assets | 72.3963% | 1,543 |
| Net loans and leases to deposits | 82.5297% | 2,067 |
| Net loans and leases to core deposits | 86.9329% | 2,294 |
| Total domestic deposits to total assets | 87.7215% | 2,287 |
| Equity capital to assets | 9.7565% | 4,235 |
| Core capital (leverage) ratio | 9.7457% | 4,039 |
| Tier 1 risk-based capital ratio | 13.9552% | 4,465 |
| Total risk-based capital ratio | 15.2160% | 4,407 |
| Memoranda: | ||
| Average total assets | $148,858,000 | 3,765 |
| Average earning assets | $133,056,500 | 3,816 |
| Average equity | $14,195,000 | 4,079 |
| Average total loans | $109,937,750 | 3,270 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 683 |
| Cost of funding earning assets | 0.7892% | 1,476 |
| Net interest margin | 4.3735% | 894 |
| Noninterest income to average assets | 0.6981% | 2,650 |
| Noninterest expense to average assets | 3.5014% | 1,606 |
| Loan and lease loss provision to assets | 0.4730% | 601 |
| Net operating income to assets | 0.4502% | 5,012 |
| Return on assets (ROA) | 0.4502% | 5,180 |
| Pretax return on assets | 0.6298% | 4,913 |
| Return on Equity (ROE) | 4.7577% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.6445% | 3,298 |
| Net charge-offs to loans | 0.2395% | 2,286 |
| Credit loss provision to net charge-offs | 267.4242% | 943 |
| Earnings coverage of net charge-offs (x) | 6.2348% | 2,753 |
| Efficiency ratio | 76.0477% | 2,779 |
| Assets per employee ($millions) | 3.1144% | 5,650 |
| Cash dividends to net income (ytd only)* | 2.3810% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3965% | 1,096 |
| Loan loss allowance to noncurrent loans | 57.7768% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 5.3502% | 553 |
| Noncurrent loans to loans | 4.1479% | 914 |
| Net loans and leases to total assets | 71.6528% | 1,629 |
| Net loans and leases to deposits | 81.4114% | 2,129 |
| Net loans and leases to core deposits | 85.6794% | 2,365 |
| Total domestic deposits to total assets | 88.0132% | 2,236 |
| Equity capital to assets | 9.4970% | 4,583 |
| Core capital (leverage) ratio | 9.5220% | 4,213 |
| Tier 1 risk-based capital ratio | 13.5108% | 4,762 |
| Total risk-based capital ratio | 14.7765% | 4,706 |
| Memoranda: | ||
| Average total assets | $149,255,670 | 3,789 |
| Average earning assets | $133,302,330 | 3,834 |
| Average equity | $14,124,330 | 4,124 |
| Average total loans | $110,217,330 | 3,268 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 661 |
| Cost of funding earning assets | 0.8095% | 1,477 |
| Net interest margin | 4.3534% | 875 |
| Noninterest income to average assets | 0.6839% | 2,681 |
| Noninterest expense to average assets | 3.4760% | 1,672 |
| Loan and lease loss provision to assets | 0.5418% | 491 |
| Net operating income to assets | 0.4050% | 5,112 |
| Return on assets (ROA) | 0.4050% | 5,256 |
| Pretax return on assets | 0.5606% | 5,078 |
| Return on Equity (ROE) | 4.2873% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.0602% | 3,792 |
| Net charge-offs to loans | 0.3984% | 1,457 |
| Credit loss provision to net charge-offs | 183.6364% | 1,171 |
| Earnings coverage of net charge-offs (x) | 3.7364% | 2,690 |
| Efficiency ratio | 75.9227% | 2,939 |
| Assets per employee ($millions) | 2.9950% | 5,995 |
| Cash dividends to net income (ytd only)* | 5.2980% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2678% | 1,461 |
| Loan loss allowance to noncurrent loans | 54.2634% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 5.4003% | 642 |
| Noncurrent loans to loans | 4.1792% | 1,055 |
| Net loans and leases to total assets | 71.9753% | 1,355 |
| Net loans and leases to deposits | 81.5420% | 1,888 |
| Net loans and leases to core deposits | 86.4200% | 2,068 |
| Total domestic deposits to total assets | 88.2678% | 2,152 |
| Equity capital to assets | 9.4457% | 4,930 |
| Core capital (leverage) ratio | 9.4561% | 4,154 |
| Tier 1 risk-based capital ratio | 13.3753% | 4,956 |
| Total risk-based capital ratio | 14.6391% | 4,900 |
| Memoranda: | ||
| Average total assets | $149,139,000 | 3,827 |
| Average earning assets | $133,411,500 | 3,871 |
| Average equity | $14,088,000 | 4,183 |
| Average total loans | $110,454,500 | 3,276 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 547 |
| Cost of funding earning assets | 1.0365% | 1,181 |
| Net interest margin | 4.5295% | 892 |
| Noninterest income to average assets | 0.5915% | 3,325 |
| Noninterest expense to average assets | 3.4865% | 1,844 |
| Loan and lease loss provision to assets | 0.5350% | 1,081 |
| Net operating income to assets | 0.4691% | 4,805 |
| Return on assets (ROA) | 0.4758% | 5,031 |
| Pretax return on assets | 0.6053% | 4,980 |
| Return on Equity (ROE) | 5.2915% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.2915% | 2,504 |
| Net charge-offs to loans | 0.6349% | 1,847 |
| Credit loss provision to net charge-offs | 112.8988% | 2,577 |
| Earnings coverage of net charge-offs (x) | 2.3883% | 4,215 |
| Efficiency ratio | 75.4945% | 2,830 |
| Assets per employee ($millions) | 3.0312% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 1,583 |
| Loan loss allowance to noncurrent loans | 85.0688% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 4.2147% | 1,004 |
| Noncurrent loans to loans | 2.5609% | 2,063 |
| Net loans and leases to total assets | 72.8583% | 1,361 |
| Net loans and leases to deposits | 82.6075% | 1,920 |
| Net loans and leases to core deposits | 88.1991% | 2,068 |
| Total domestic deposits to total assets | 88.1982% | 2,096 |
| Equity capital to assets | 9.4467% | 4,941 |
| Core capital (leverage) ratio | 9.2881% | 4,436 |
| Tier 1 risk-based capital ratio | 13.1683% | 4,986 |
| Total risk-based capital ratio | 14.4310% | 4,917 |
| Memoranda: | ||
| Average total assets | $152,157,800 | 3,736 |
| Average earning assets | $135,267,600 | 3,805 |
| Average equity | $13,682,200 | 4,226 |
| Average total loans | $113,554,200 | 3,214 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5866% | 568 |
| Cost of funding earning assets | 1.0789% | 1,150 |
| Net interest margin | 4.5078% | 976 |
| Noninterest income to average assets | 0.4983% | 3,940 |
| Noninterest expense to average assets | 3.4825% | 1,800 |
| Loan and lease loss provision to assets | 0.3467% | 1,890 |
| Net operating income to assets | 0.4617% | 4,985 |
| Return on assets (ROA) | 0.4617% | 5,235 |
| Pretax return on assets | 0.6725% | 4,949 |
| Return on Equity (ROE) | 5.1979% | 4,725 |
| Retained earnings to average equity (ytd only) | 5.1979% | 3,222 |
| Net charge-offs to loans | 0.7046% | 1,569 |
| Credit loss provision to net charge-offs | 65.8940% | 4,007 |
| Earnings coverage of net charge-offs (x) | 1.9371% | 4,293 |
| Efficiency ratio | 77.3607% | 2,472 |
| Assets per employee ($millions) | 3.0059% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 2,475 |
| Loan loss allowance to noncurrent loans | 54.0887% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 4.7015% | 972 |
| Noncurrent loans to loans | 3.5131% | 1,545 |
| Net loans and leases to total assets | 72.4786% | 1,468 |
| Net loans and leases to deposits | 81.9548% | 2,123 |
| Net loans and leases to core deposits | 87.4386% | 2,288 |
| Total domestic deposits to total assets | 88.4373% | 1,764 |
| Equity capital to assets | 9.2465% | 5,538 |
| Core capital (leverage) ratio | 9.0963% | 4,920 |
| Tier 1 risk-based capital ratio | 12.9267% | 5,313 |
| Total risk-based capital ratio | 14.1857% | 5,269 |
| Memoranda: | ||
| Average total assets | $153,065,250 | 3,770 |
| Average earning assets | $135,940,250 | 3,830 |
| Average equity | $13,595,000 | 4,281 |
| Average total loans | $114,286,500 | 3,228 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 543 |
| Cost of funding earning assets | 1.1259% | 1,108 |
| Net interest margin | 4.5111% | 975 |
| Noninterest income to average assets | 0.4546% | 4,258 |
| Noninterest expense to average assets | 3.5106% | 1,761 |
| Loan and lease loss provision to assets | 0.3221% | 2,047 |
| Net operating income to assets | 0.4260% | 5,125 |
| Return on assets (ROA) | 0.4260% | 5,357 |
| Pretax return on assets | 0.6130% | 5,092 |
| Return on Equity (ROE) | 4.8613% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.8613% | 3,362 |
| Net charge-offs to loans | 0.0919% | 4,241 |
| Credit loss provision to net charge-offs | 467.9245% | 643 |
| Earnings coverage of net charge-offs (x) | 13.5849% | 1,783 |
| Efficiency ratio | 78.9658% | 2,331 |
| Assets per employee ($millions) | 3.1777% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2030% | 1,756 |
| Loan loss allowance to noncurrent loans | 87.0364% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 4.4673% | 1,115 |
| Noncurrent loans to loans | 2.5311% | 2,379 |
| Net loans and leases to total assets | 73.0807% | 1,385 |
| Net loans and leases to deposits | 82.3520% | 2,071 |
| Net loans and leases to core deposits | 87.7102% | 2,237 |
| Total domestic deposits to total assets | 88.7419% | 1,676 |
| Equity capital to assets | 8.9589% | 5,743 |
| Core capital (leverage) ratio | 8.8411% | 5,143 |
| Tier 1 risk-based capital ratio | 12.3955% | 5,653 |
| Total risk-based capital ratio | 13.6582% | 5,620 |
| Memoranda: | ||
| Average total assets | $153,989,000 | 3,769 |
| Average earning assets | $136,243,000 | 3,845 |
| Average equity | $13,494,330 | 4,300 |
| Average total loans | $115,368,330 | 3,228 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6578% | 562 |
| Cost of funding earning assets | 1.1882% | 1,040 |
| Net interest margin | 4.4696% | 1,070 |
| Noninterest income to average assets | 0.5016% | 3,898 |
| Noninterest expense to average assets | 3.5006% | 1,762 |
| Loan and lease loss provision to assets | 0.3568% | 1,764 |
| Net operating income to assets | 0.4188% | 5,176 |
| Return on assets (ROA) | 0.4188% | 5,370 |
| Pretax return on assets | 0.6024% | 5,110 |
| Return on Equity (ROE) | 4.8326% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.8326% | 3,650 |
| Net charge-offs to loans | 0.1310% | 3,321 |
| Credit loss provision to net charge-offs | 363.1579% | 853 |
| Earnings coverage of net charge-offs (x) | 9.7632% | 1,812 |
| Efficiency ratio | 78.4928% | 2,429 |
| Assets per employee ($millions) | 3.2287% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 2,119 |
| Loan loss allowance to noncurrent loans | 107.7129% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 3.6863% | 1,537 |
| Noncurrent loans to loans | 1.9425% | 3,230 |
| Net loans and leases to total assets | 72.9484% | 1,234 |
| Net loans and leases to deposits | 82.0230% | 1,936 |
| Net loans and leases to core deposits | 87.2478% | 2,142 |
| Total domestic deposits to total assets | 88.9365% | 1,738 |
| Equity capital to assets | 8.7006% | 5,870 |
| Core capital (leverage) ratio | 8.7331% | 5,242 |
| Tier 1 risk-based capital ratio | 12.1158% | 5,888 |
| Total risk-based capital ratio | 13.3770% | 5,857 |
| Memoranda: | ||
| Average total assets | $154,718,500 | 3,789 |
| Average earning assets | $137,015,000 | 3,867 |
| Average equity | $13,409,000 | 4,325 |
| Average total loans | $116,062,000 | 3,228 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8744% | 548 |
| Cost of funding earning assets | 1.4302% | 917 |
| Net interest margin | 4.4442% | 1,277 |
| Noninterest income to average assets | 0.1533% | 6,384 |
| Noninterest expense to average assets | 3.3754% | 2,303 |
| Loan and lease loss provision to assets | 0.6119% | 1,687 |
| Net operating income to assets | 0.1124% | 5,841 |
| Return on assets (ROA) | 0.1213% | 5,935 |
| Pretax return on assets | 0.1105% | 5,955 |
| Return on Equity (ROE) | 1.4272% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.4272% | 5,185 |
| Net charge-offs to loans | 0.8438% | 2,049 |
| Credit loss provision to net charge-offs | 95.1341% | 3,795 |
| Earnings coverage of net charge-offs (x) | 1.1092% | 4,955 |
| Efficiency ratio | 82.5523% | 1,946 |
| Assets per employee ($millions) | 3.2179% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 2,327 |
| Loan loss allowance to noncurrent loans | 123.4542% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 3.4300% | 1,726 |
| Noncurrent loans to loans | 1.6082% | 3,747 |
| Net loans and leases to total assets | 74.0248% | 1,270 |
| Net loans and leases to deposits | 83.5841% | 1,974 |
| Net loans and leases to core deposits | 88.7773% | 2,284 |
| Total domestic deposits to total assets | 88.5633% | 1,812 |
| Equity capital to assets | 8.6327% | 5,976 |
| Core capital (leverage) ratio | 8.5012% | 5,560 |
| Tier 1 risk-based capital ratio | 11.8978% | 5,903 |
| Total risk-based capital ratio | 13.1578% | 5,876 |
| Memoranda: | ||
| Average total assets | $156,572,200 | 3,687 |
| Average earning assets | $138,651,400 | 3,770 |
| Average equity | $13,312,800 | 4,278 |
| Average total loans | $119,336,600 | 3,186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 588 |
| Cost of funding earning assets | 1.4788% | 936 |
| Net interest margin | 4.3963% | 1,417 |
| Noninterest income to average assets | 0.4948% | 3,910 |
| Noninterest expense to average assets | 3.3014% | 2,487 |
| Loan and lease loss provision to assets | 0.6552% | 1,490 |
| Net operating income to assets | 0.3107% | 5,360 |
| Return on assets (ROA) | 0.3191% | 5,499 |
| Pretax return on assets | 0.4481% | 5,320 |
| Return on Equity (ROE) | 3.7672% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.7672% | 4,060 |
| Net charge-offs to loans | 0.9866% | 1,633 |
| Credit loss provision to net charge-offs | 86.9369% | 3,891 |
| Earnings coverage of net charge-offs (x) | 1.4482% | 4,547 |
| Efficiency ratio | 75.1546% | 2,981 |
| Assets per employee ($millions) | 3.2063% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 2,628 |
| Loan loss allowance to noncurrent loans | 94.8545% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 3.8718% | 1,593 |
| Noncurrent loans to loans | 1.9968% | 3,373 |
| Net loans and leases to total assets | 74.1457% | 1,309 |
| Net loans and leases to deposits | 83.7197% | 2,041 |
| Net loans and leases to core deposits | 88.9095% | 2,375 |
| Total domestic deposits to total assets | 88.5641% | 1,719 |
| Equity capital to assets | 8.5977% | 6,204 |
| Core capital (leverage) ratio | 8.5179% | 5,684 |
| Tier 1 risk-based capital ratio | 11.8537% | 6,001 |
| Total risk-based capital ratio | 13.1129% | 5,975 |
| Memoranda: | ||
| Average total assets | $157,100,500 | 3,706 |
| Average earning assets | $139,297,000 | 3,780 |
| Average equity | $13,307,500 | 4,288 |
| Average total loans | $120,007,250 | 3,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 610 |
| Cost of funding earning assets | 1.5282% | 907 |
| Net interest margin | 4.3501% | 1,512 |
| Noninterest income to average assets | 0.4150% | 4,550 |
| Noninterest expense to average assets | 3.3266% | 2,470 |
| Loan and lease loss provision to assets | 0.7473% | 1,246 |
| Net operating income to assets | 0.1547% | 5,869 |
| Return on assets (ROA) | 0.1693% | 5,930 |
| Pretax return on assets | 0.2075% | 5,918 |
| Return on Equity (ROE) | 2.0090% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.0090% | 4,973 |
| Net charge-offs to loans | 1.3452% | 1,135 |
| Credit loss provision to net charge-offs | 72.4691% | 4,004 |
| Earnings coverage of net charge-offs (x) | 0.9086% | 4,618 |
| Efficiency ratio | 78.0233% | 2,707 |
| Assets per employee ($millions) | 3.2350% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 2,975 |
| Loan loss allowance to noncurrent loans | 103.0799% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 3.6034% | 1,821 |
| Noncurrent loans to loans | 1.7502% | 3,822 |
| Net loans and leases to total assets | 73.5490% | 1,494 |
| Net loans and leases to deposits | 82.7944% | 2,318 |
| Net loans and leases to core deposits | 87.5501% | 2,696 |
| Total domestic deposits to total assets | 88.8333% | 1,646 |
| Equity capital to assets | 8.3979% | 6,308 |
| Core capital (leverage) ratio | 8.2900% | 5,882 |
| Tier 1 risk-based capital ratio | 11.6115% | 6,083 |
| Total risk-based capital ratio | 12.8694% | 6,075 |
| Memoranda: | ||
| Average total assets | $157,097,000 | 3,730 |
| Average earning assets | $138,984,330 | 3,806 |
| Average equity | $13,240,670 | 4,287 |
| Average total loans | $120,429,670 | 3,219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8776% | 628 |
| Cost of funding earning assets | 1.5579% | 954 |
| Net interest margin | 4.3197% | 1,507 |
| Noninterest income to average assets | 0.4706% | 4,113 |
| Noninterest expense to average assets | 3.3941% | 2,297 |
| Loan and lease loss provision to assets | 0.3351% | 2,551 |
| Net operating income to assets | 0.3837% | 5,018 |
| Return on assets (ROA) | 0.3837% | 5,104 |
| Pretax return on assets | 0.5499% | 4,861 |
| Return on Equity (ROE) | 4.5437% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.5437% | 3,449 |
| Net charge-offs to loans | 0.2078% | 3,265 |
| Credit loss provision to net charge-offs | 207.9365% | 1,435 |
| Earnings coverage of net charge-offs (x) | 5.4921% | 2,273 |
| Efficiency ratio | 79.3186% | 2,646 |
| Assets per employee ($millions) | 3.0406% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 2,349 |
| Loan loss allowance to noncurrent loans | 86.5220% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 4.1850% | 1,574 |
| Noncurrent loans to loans | 2.3375% | 3,154 |
| Net loans and leases to total assets | 74.5457% | 1,260 |
| Net loans and leases to deposits | 84.5056% | 1,948 |
| Net loans and leases to core deposits | 89.7335% | 2,380 |
| Total domestic deposits to total assets | 88.2140% | 2,253 |
| Equity capital to assets | 8.4004% | 6,049 |
| Core capital (leverage) ratio | 8.4435% | 5,554 |
| Tier 1 risk-based capital ratio | 11.4131% | 6,169 |
| Total risk-based capital ratio | 12.6792% | 6,141 |
| Memoranda: | ||
| Average total assets | $156,387,500 | 3,767 |
| Average earning assets | $137,879,000 | 3,860 |
| Average equity | $13,205,000 | 4,292 |
| Average total loans | $121,280,000 | 3,233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1862% | 584 |
| Cost of funding earning assets | 1.8711% | 937 |
| Net interest margin | 4.3151% | 1,770 |
| Noninterest income to average assets | 0.5885% | 3,550 |
| Noninterest expense to average assets | 3.2422% | 2,945 |
| Loan and lease loss provision to assets | 1.0453% | 1,543 |
| Net operating income to assets | 0.1305% | 5,501 |
| Return on assets (ROA) | 0.1594% | 5,566 |
| Pretax return on assets | 0.1764% | 5,538 |
| Return on Equity (ROE) | 1.9008% | 5,425 |
| Retained earnings to average equity (ytd only) | -3.2832% | 6,129 |
| Net charge-offs to loans | 0.8002% | 2,636 |
| Credit loss provision to net charge-offs | 166.9014% | 2,041 |
| Earnings coverage of net charge-offs (x) | 1.8994% | 4,300 |
| Efficiency ratio | 73.1589% | 3,568 |
| Assets per employee ($millions) | 2.9743% | 6,158 |
| Cash dividends to net income (ytd only)* | 272.7273% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,460 |
| Loan loss allowance to noncurrent loans | 81.9189% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 4.1050% | 1,648 |
| Noncurrent loans to loans | 2.3613% | 3,161 |
| Net loans and leases to total assets | 77.5209% | 1,014 |
| Net loans and leases to deposits | 87.9210% | 1,802 |
| Net loans and leases to core deposits | 93.1593% | 2,362 |
| Total domestic deposits to total assets | 88.1711% | 2,139 |
| Equity capital to assets | 8.4881% | 5,870 |
| Core capital (leverage) ratio | 8.3274% | 5,648 |
| Tier 1 risk-based capital ratio | 11.2393% | 6,141 |
| Total risk-based capital ratio | 12.5047% | 6,114 |
| Memoranda: | ||
| Average total assets | $158,717,200 | 3,724 |
| Average earning assets | $141,363,400 | 3,790 |
| Average equity | $13,310,000 | 4,307 |
| Average total loans | $124,222,800 | 3,229 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1414% | 698 |
| Cost of funding earning assets | 1.9223% | 955 |
| Net interest margin | 4.2191% | 2,153 |
| Noninterest income to average assets | 0.5668% | 3,679 |
| Noninterest expense to average assets | 3.1661% | 3,048 |
| Loan and lease loss provision to assets | 1.2704% | 1,112 |
| Net operating income to assets | -0.0260% | 6,053 |
| Return on assets (ROA) | -0.0083% | 6,146 |
| Pretax return on assets | -0.0718% | 6,187 |
| Return on Equity (ROE) | -0.0998% | 6,147 |
| Retained earnings to average equity (ytd only) | -4.0732% | 6,466 |
| Net charge-offs to loans | 0.7270% | 2,607 |
| Credit loss provision to net charge-offs | 223.8235% | 1,546 |
| Earnings coverage of net charge-offs (x) | 2.0632% | 4,179 |
| Efficiency ratio | 72.9985% | 3,526 |
| Assets per employee ($millions) | 3.0918% | 5,936 |
| Cash dividends to net income (ytd only)* | -3,980.8702% | 7,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 2,076 |
| Loan loss allowance to noncurrent loans | 86.0528% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 4.3200% | 1,571 |
| Noncurrent loans to loans | 2.4000% | 3,238 |
| Net loans and leases to total assets | 76.4453% | 1,325 |
| Net loans and leases to deposits | 87.4075% | 2,098 |
| Net loans and leases to core deposits | 92.7446% | 2,692 |
| Total domestic deposits to total assets | 87.4585% | 2,285 |
| Equity capital to assets | 8.3750% | 6,420 |
| Core capital (leverage) ratio | 8.2132% | 6,016 |
| Tier 1 risk-based capital ratio | 11.1125% | 6,267 |
| Total risk-based capital ratio | 12.3796% | 6,252 |
| Memoranda: | ||
| Average total assets | $159,730,500 | 3,760 |
| Average earning assets | $142,743,250 | 3,819 |
| Average equity | $13,355,500 | 4,358 |
| Average total loans | $124,713,000 | 3,269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0897% | 773 |
| Cost of funding earning assets | 1.9573% | 1,021 |
| Net interest margin | 4.1324% | 2,416 |
| Noninterest income to average assets | 0.5947% | 3,377 |
| Noninterest expense to average assets | 3.0958% | 3,343 |
| Loan and lease loss provision to assets | 1.7617% | 701 |
| Net operating income to assets | -0.3081% | 6,481 |
| Return on assets (ROA) | -0.2818% | 6,501 |
| Pretax return on assets | -0.5074% | 6,594 |
| Return on Equity (ROE) | -3.3718% | 6,554 |
| Retained earnings to average equity (ytd only) | -6.0573% | 6,661 |
| Net charge-offs to loans | 0.5030% | 3,025 |
| Credit loss provision to net charge-offs | 448.5714% | 808 |
| Earnings coverage of net charge-offs (x) | 3.0889% | 3,460 |
| Efficiency ratio | 71.8461% | 3,842 |
| Assets per employee ($millions) | 3.4203% | 5,120 |
| Cash dividends to net income (ytd only)* | -79.6460% | 7,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 1,681 |
| Loan loss allowance to noncurrent loans | 85.2529% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 3.8145% | 1,824 |
| Noncurrent loans to loans | 2.6338% | 3,005 |
| Net loans and leases to total assets | 75.7743% | 1,530 |
| Net loans and leases to deposits | 86.4147% | 2,441 |
| Net loans and leases to core deposits | 91.3880% | 3,077 |
| Total domestic deposits to total assets | 87.6869% | 2,166 |
| Equity capital to assets | 8.2119% | 6,527 |
| Core capital (leverage) ratio | 8.1027% | 6,111 |
| Tier 1 risk-based capital ratio | 11.0836% | 6,147 |
| Total risk-based capital ratio | 12.3522% | 6,119 |
| Memoranda: | ||
| Average total assets | $160,412,670 | 3,783 |
| Average earning assets | $144,178,670 | 3,814 |
| Average equity | $13,405,330 | 4,351 |
| Average total loans | $125,256,000 | 3,299 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0087% | 967 |
| Cost of funding earning assets | 1.9826% | 1,152 |
| Net interest margin | 4.0261% | 2,762 |
| Noninterest income to average assets | 0.5691% | 3,496 |
| Noninterest expense to average assets | 3.1203% | 3,183 |
| Loan and lease loss provision to assets | 1.4728% | 800 |
| Net operating income to assets | -0.1850% | 6,528 |
| Return on assets (ROA) | -0.1323% | 6,544 |
| Pretax return on assets | -0.3120% | 6,651 |
| Return on Equity (ROE) | -1.5695% | 6,588 |
| Retained earnings to average equity (ytd only) | -6.9295% | 6,729 |
| Net charge-offs to loans | 0.6370% | 2,229 |
| Credit loss provision to net charge-offs | 295.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 2.1600% | 3,455 |
| Efficiency ratio | 74.3163% | 3,526 |
| Assets per employee ($millions) | 3.4958% | 5,039 |
| Cash dividends to net income (ytd only)* | -341.5094% | 7,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 3,161 |
| Loan loss allowance to noncurrent loans | 68.6371% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 3.4880% | 2,020 |
| Noncurrent loans to loans | 2.4375% | 3,240 |
| Net loans and leases to total assets | 76.3854% | 1,460 |
| Net loans and leases to deposits | 87.3045% | 2,355 |
| Net loans and leases to core deposits | 92.1678% | 3,085 |
| Total domestic deposits to total assets | 87.4931% | 2,363 |
| Equity capital to assets | 8.3162% | 6,280 |
| Core capital (leverage) ratio | 8.2405% | 5,847 |
| Tier 1 risk-based capital ratio | 11.4866% | 5,684 |
| Total risk-based capital ratio | 12.7487% | 5,658 |
| Memoranda: | ||
| Average total assets | $160,241,500 | 3,840 |
| Average earning assets | $144,457,500 | 3,862 |
| Average equity | $13,507,500 | 4,355 |
| Average total loans | $125,579,500 | 3,356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8112% | 374 |
| Cost of funding earning assets | 2.3674% | 1,400 |
| Net interest margin | 4.4438% | 1,307 |
| Noninterest income to average assets | 0.7451% | 2,710 |
| Noninterest expense to average assets | 3.1621% | 3,501 |
| Loan and lease loss provision to assets | 0.4489% | 4,135 |
| Net operating income to assets | 0.8015% | 2,534 |
| Return on assets (ROA) | 0.7957% | 2,639 |
| Pretax return on assets | 1.1725% | 2,029 |
| Return on Equity (ROE) | 9.0785% | 2,000 |
| Retained earnings to average equity (ytd only) | 2.1863% | 3,580 |
| Net charge-offs to loans | 0.4126% | 4,163 |
| Credit loss provision to net charge-offs | 132.3755% | 3,787 |
| Earnings coverage of net charge-offs (x) | 4.8065% | 2,811 |
| Efficiency ratio | 65.9889% | 5,393 |
| Assets per employee ($millions) | 3.3974% | 5,266 |
| Cash dividends to net income (ytd only)* | 75.9184% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,501 |
| Loan loss allowance to noncurrent loans | 68.6869% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.0994% | 2,240 |
| Noncurrent loans to loans | 1.9606% | 3,715 |
| Net loans and leases to total assets | 77.9929% | 1,387 |
| Net loans and leases to deposits | 89.4007% | 2,322 |
| Net loans and leases to core deposits | 122.8105% | 1,727 |
| Total domestic deposits to total assets | 87.2398% | 2,367 |
| Equity capital to assets | 8.5436% | 5,821 |
| Core capital (leverage) ratio | 8.3793% | 5,474 |
| Tier 1 risk-based capital ratio | 11.6024% | 5,293 |
| Total risk-based capital ratio | 12.8595% | 5,244 |
| Memoranda: | ||
| Average total assets | $153,946,800 | 3,897 |
| Average earning assets | $140,196,200 | 3,897 |
| Average equity | $13,493,400 | 4,387 |
| Average total loans | $126,510,600 | 3,342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8576% | 383 |
| Cost of funding earning assets | 2.4260% | 1,537 |
| Net interest margin | 4.4316% | 1,365 |
| Noninterest income to average assets | 0.7440% | 2,737 |
| Noninterest expense to average assets | 3.1288% | 3,540 |
| Loan and lease loss provision to assets | 0.3724% | 4,095 |
| Net operating income to assets | 0.8414% | 2,651 |
| Return on assets (ROA) | 0.8340% | 2,740 |
| Pretax return on assets | 1.2781% | 2,012 |
| Return on Equity (ROE) | 9.4526% | 2,115 |
| Retained earnings to average equity (ytd only) | 2.8932% | 3,707 |
| Net charge-offs to loans | 0.3539% | 3,872 |
| Credit loss provision to net charge-offs | 126.7857% | 3,963 |
| Earnings coverage of net charge-offs (x) | 5.6577% | 2,759 |
| Efficiency ratio | 65.3102% | 5,499 |
| Assets per employee ($millions) | 3.3110% | 5,370 |
| Cash dividends to net income (ytd only)* | 69.3916% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 4,646 |
| Loan loss allowance to noncurrent loans | 49.2555% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 2.9372% | 2,359 |
| Noncurrent loans to loans | 2.5902% | 2,915 |
| Net loans and leases to total assets | 78.9268% | 1,407 |
| Net loans and leases to deposits | 90.9312% | 2,404 |
| Net loans and leases to core deposits | 123.6359% | 1,941 |
| Total domestic deposits to total assets | 86.7983% | 2,284 |
| Equity capital to assets | 8.5819% | 6,134 |
| Core capital (leverage) ratio | 8.5290% | 5,434 |
| Tier 1 risk-based capital ratio | 11.6358% | 5,300 |
| Total risk-based capital ratio | 12.8908% | 5,234 |
| Memoranda: | ||
| Average total assets | $152,514,500 | 3,938 |
| Average earning assets | $139,268,000 | 3,943 |
| Average equity | $13,456,250 | 4,424 |
| Average total loans | $126,579,250 | 3,368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9645% | 339 |
| Cost of funding earning assets | 2.4678% | 1,722 |
| Net interest margin | 4.4967% | 1,174 |
| Noninterest income to average assets | 0.7501% | 2,704 |
| Noninterest expense to average assets | 3.1228% | 3,609 |
| Loan and lease loss provision to assets | 0.3817% | 3,633 |
| Net operating income to assets | 0.8771% | 2,553 |
| Return on assets (ROA) | 0.8658% | 2,692 |
| Pretax return on assets | 1.3287% | 1,942 |
| Return on Equity (ROE) | 9.7198% | 2,124 |
| Retained earnings to average equity (ytd only) | 2.0007% | 4,229 |
| Net charge-offs to loans | 0.3939% | 3,231 |
| Credit loss provision to net charge-offs | 115.2610% | 4,017 |
| Earnings coverage of net charge-offs (x) | 5.2169% | 2,888 |
| Efficiency ratio | 64.3817% | 5,832 |
| Assets per employee ($millions) | 3.3704% | 5,134 |
| Cash dividends to net income (ytd only)* | 79.4163% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 4,612 |
| Loan loss allowance to noncurrent loans | 64.6477% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 2.5987% | 2,476 |
| Noncurrent loans to loans | 1.9317% | 3,626 |
| Net loans and leases to total assets | 80.0263% | 1,310 |
| Net loans and leases to deposits | 92.2818% | 2,415 |
| Net loans and leases to core deposits | 124.1154% | 2,015 |
| Total domestic deposits to total assets | 86.7195% | 2,395 |
| Equity capital to assets | 8.6868% | 5,776 |
| Core capital (leverage) ratio | 8.6719% | 5,141 |
| Tier 1 risk-based capital ratio | 11.7026% | 5,195 |
| Total risk-based capital ratio | 12.9568% | 5,122 |
| Memoranda: | ||
| Average total assets | $150,377,000 | 3,983 |
| Average earning assets | $137,123,670 | 4,005 |
| Average equity | $13,395,330 | 4,449 |
| Average total loans | $126,420,000 | 3,413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2241% | 245 |
| Cost of funding earning assets | 2.4722% | 2,021 |
| Net interest margin | 4.7519% | 682 |
| Noninterest income to average assets | 0.6917% | 2,939 |
| Noninterest expense to average assets | 2.9937% | 3,796 |
| Loan and lease loss provision to assets | 0.3512% | 3,208 |
| Net operating income to assets | 1.0843% | 2,017 |
| Return on assets (ROA) | 1.0618% | 2,230 |
| Pretax return on assets | 1.6481% | 1,294 |
| Return on Equity (ROE) | 11.7673% | 1,736 |
| Retained earnings to average equity (ytd only) | 3.5631% | 3,914 |
| Net charge-offs to loans | 0.2397% | 3,204 |
| Credit loss provision to net charge-offs | 171.0526% | 2,505 |
| Earnings coverage of net charge-offs (x) | 9.9079% | 2,001 |
| Efficiency ratio | 59.5379% | 6,469 |
| Assets per employee ($millions) | 3.1953% | 5,605 |
| Cash dividends to net income (ytd only)* | 69.7201% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,520 |
| Loan loss allowance to noncurrent loans | 74.0654% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.2940% | 2,504 |
| Noncurrent loans to loans | 1.6756% | 3,744 |
| Net loans and leases to total assets | 83.9902% | 690 |
| Net loans and leases to deposits | 97.5567% | 1,723 |
| Net loans and leases to core deposits | 130.2781% | 1,641 |
| Total domestic deposits to total assets | 86.0937% | 2,664 |
| Equity capital to assets | 8.9541% | 5,412 |
| Core capital (leverage) ratio | 8.9625% | 4,773 |
| Tier 1 risk-based capital ratio | 11.5946% | 5,314 |
| Total risk-based capital ratio | 12.8463% | 5,211 |
| Memoranda: | ||
| Average total assets | $148,046,000 | 4,044 |
| Average earning assets | $135,104,000 | 4,051 |
| Average equity | $13,359,000 | 4,489 |
| Average total loans | $126,809,500 | 3,428 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8193% | 241 |
| Cost of funding earning assets | 2.8306% | 2,582 |
| Net interest margin | 4.9887% | 522 |
| Noninterest income to average assets | 0.8561% | 2,192 |
| Noninterest expense to average assets | 3.2259% | 3,235 |
| Loan and lease loss provision to assets | 0.2791% | 4,161 |
| Net operating income to assets | 1.2555% | 1,619 |
| Return on assets (ROA) | 1.2785% | 1,496 |
| Pretax return on assets | 1.9717% | 658 |
| Return on Equity (ROE) | 13.5907% | 1,188 |
| Retained earnings to average equity (ytd only) | -5.4304% | 6,575 |
| Net charge-offs to loans | 0.3140% | 3,287 |
| Credit loss provision to net charge-offs | 103.8860% | 5,146 |
| Earnings coverage of net charge-offs (x) | 8.2461% | 2,916 |
| Efficiency ratio | 59.2863% | 6,479 |
| Assets per employee ($millions) | 2.8061% | 6,543 |
| Cash dividends to net income (ytd only)* | 139.9565% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 4,414 |
| Loan loss allowance to noncurrent loans | 90.5917% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0094% | 2,448 |
| Noncurrent loans to loans | 1.3423% | 3,832 |
| Net loans and leases to total assets | 85.2339% | 696 |
| Net loans and leases to deposits | 100.6735% | 1,760 |
| Net loans and leases to core deposits | 134.2165% | 1,587 |
| Total domestic deposits to total assets | 84.6637% | 2,998 |
| Equity capital to assets | 9.0950% | 5,235 |
| Core capital (leverage) ratio | 9.1142% | 4,570 |
| Tier 1 risk-based capital ratio | 11.5222% | 5,221 |
| Total risk-based capital ratio | 12.7734% | 5,114 |
| Memoranda: | ||
| Average total assets | $143,681,000 | 4,013 |
| Average earning assets | $132,058,000 | 4,009 |
| Average equity | $13,516,600 | 4,449 |
| Average total loans | $122,930,200 | 3,399 |