Home > Cattlemens Bank > Performance and Condition Ratios
Cattlemens 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 | 6.2942% | 440 |
| Cost of funding earning assets | 2.8173% | 202 |
| Net interest margin | 3.4769% | 2,240 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.5742% | 2,085 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9305% | 2,447 |
| Return on assets (ROA) | 0.9305% | 2,422 |
| Pretax return on assets | 0.9305% | 2,871 |
| Return on Equity (ROE) | 10.6800% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.1482% | 2,559 |
| Net charge-offs to loans | 0.1131% | 837 |
| Credit loss provision to net charge-offs | 103.6437% | 1,803 |
| Earnings coverage of net charge-offs (x) | 10.1579% | 2,255 |
| Efficiency ratio | 71.2995% | 1,727 |
| Assets per employee ($millions) | 6.4438% | 2,454 |
| Cash dividends to net income (ytd only)* | 51.7754% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 4,019 |
| Loan loss allowance to noncurrent loans | 79.8167% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 571 |
| Noncurrent loans to loans | 0.9693% | 763 |
| Net loans and leases to total assets | 90.0500% | 34 |
| Net loans and leases to deposits | 115.6644% | 117 |
| Net loans and leases to core deposits | 142.6940% | 246 |
| Total domestic deposits to total assets | 77.8600% | 3,748 |
| Equity capital to assets | 8.8040% | 2,822 |
| Core capital (leverage) ratio | 8.6902% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0127% | 2,814 |
| Memoranda: | ||
| Average total assets | $484,265,600 | 1,763 |
| Average earning assets | $459,724,000 | 1,732 |
| Average equity | $42,209,200 | 1,805 |
| Average total loans | $436,922,600 | 1,377 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1364% | 448 |
| Cost of funding earning assets | 2.6843% | 198 |
| Net interest margin | 3.4521% | 2,331 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5938% | 1,962 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.8951% | 2,696 |
| Return on assets (ROA) | 0.8951% | 2,684 |
| Pretax return on assets | 0.8951% | 3,113 |
| Return on Equity (ROE) | 10.3000% | 2,556 |
| Retained earnings to average equity (ytd only) | 4.2318% | 3,197 |
| Net charge-offs to loans | 0.1516% | 553 |
| Credit loss provision to net charge-offs | 70.9939% | 1,805 |
| Earnings coverage of net charge-offs (x) | 7.2637% | 2,245 |
| Efficiency ratio | 72.3347% | 1,531 |
| Assets per employee ($millions) | 7.0902% | 1,885 |
| Cash dividends to net income (ytd only)* | 58.8982% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 4,073 |
| Loan loss allowance to noncurrent loans | 82.1102% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 679 |
| Noncurrent loans to loans | 0.9104% | 904 |
| Net loans and leases to total assets | 88.8900% | 59 |
| Net loans and leases to deposits | 114.0113% | 132 |
| Net loans and leases to core deposits | 141.6506% | 204 |
| Total domestic deposits to total assets | 77.9700% | 3,820 |
| Equity capital to assets | 8.6423% | 2,634 |
| Core capital (leverage) ratio | 8.5853% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9250% | 2,838 |
| Memoranda: | ||
| Average total assets | $481,288,750 | 1,774 |
| Average earning assets | $456,326,500 | 1,743 |
| Average equity | $41,840,750 | 1,804 |
| Average total loans | $433,576,750 | 1,380 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9407% | 474 |
| Cost of funding earning assets | 2.4785% | 201 |
| Net interest margin | 3.4622% | 2,361 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5808% | 1,975 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.9578% | 2,555 |
| Return on assets (ROA) | 0.9578% | 2,549 |
| Pretax return on assets | 0.9578% | 3,025 |
| Return on Equity (ROE) | 11.0000% | 2,417 |
| Retained earnings to average equity (ytd only) | 4.1022% | 3,193 |
| Net charge-offs to loans | 0.2270% | 360 |
| Credit loss provision to net charge-offs | 42.0082% | 1,705 |
| Earnings coverage of net charge-offs (x) | 5.0943% | 2,190 |
| Efficiency ratio | 71.2002% | 1,642 |
| Assets per employee ($millions) | 6.8979% | 2,004 |
| Cash dividends to net income (ytd only)* | 62.6918% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 4,142 |
| Loan loss allowance to noncurrent loans | 88.7619% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 700 |
| Noncurrent loans to loans | 0.8183% | 936 |
| Net loans and leases to total assets | 88.8300% | 60 |
| Net loans and leases to deposits | 116.0305% | 122 |
| Net loans and leases to core deposits | 144.5593% | 177 |
| Total domestic deposits to total assets | 76.5500% | 3,999 |
| Equity capital to assets | 8.5542% | 2,819 |
| Core capital (leverage) ratio | 8.7913% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6742% | 2,889 |
| Memoranda: | ||
| Average total assets | $476,280,333 | 1,783 |
| Average earning assets | $450,756,000 | 1,752 |
| Average equity | $41,490,000 | 1,826 |
| Average total loans | $429,930,667 | 1,376 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8954% | 361 |
| Cost of funding earning assets | 2.2783% | 161 |
| Net interest margin | 3.6171% | 2,088 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.7013% | 1,665 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9200% | 2,788 |
| Return on assets (ROA) | 0.9200% | 2,742 |
| Pretax return on assets | 0.9200% | 3,185 |
| Return on Equity (ROE) | 10.4600% | 2,649 |
| Retained earnings to average equity (ytd only) | 1.5016% | 3,784 |
| Net charge-offs to loans | 0.0197% | 1,284 |
| Credit loss provision to net charge-offs | 490.4762% | 558 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 1,050 |
| Efficiency ratio | 72.8296% | 1,458 |
| Assets per employee ($millions) | 7.3106% | 1,746 |
| Cash dividends to net income (ytd only)* | 85.6481% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 4,060 |
| Loan loss allowance to noncurrent loans | 73.1697% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 399 |
| Noncurrent loans to loans | 1.1150% | 638 |
| Net loans and leases to total assets | 90.7700% | 27 |
| Net loans and leases to deposits | 114.3770% | 124 |
| Net loans and leases to core deposits | 141.7828% | 173 |
| Total domestic deposits to total assets | 79.3600% | 3,853 |
| Equity capital to assets | 8.6942% | 2,743 |
| Core capital (leverage) ratio | 8.7330% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7350% | 2,974 |
| Memoranda: | ||
| Average total assets | $469,545,500 | 1,819 |
| Average earning assets | $445,772,000 | 1,786 |
| Average equity | $41,288,000 | 1,858 |
| Average total loans | $425,789,000 | 1,400 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1183% | 250 |
| Cost of funding earning assets | 0.9314% | 221 |
| Net interest margin | 4.1869% | 554 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.5856% | 1,867 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.4587% | 986 |
| Return on assets (ROA) | 1.4587% | 943 |
| Pretax return on assets | 1.4587% | 1,581 |
| Return on Equity (ROE) | 16.6500% | 929 |
| Retained earnings to average equity (ytd only) | 8.8643% | 1,522 |
| Net charge-offs to loans | 0.0374% | 1,348 |
| Credit loss provision to net charge-offs | 484.9315% | 694 |
| Earnings coverage of net charge-offs (x) | 49.7534% | 1,371 |
| Efficiency ratio | 61.5356% | 2,831 |
| Assets per employee ($millions) | 7.3635% | 1,709 |
| Cash dividends to net income (ytd only)* | 46.7663% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 3,956 |
| Loan loss allowance to noncurrent loans | 105.7675% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 681 |
| Noncurrent loans to loans | 0.7864% | 948 |
| Net loans and leases to total assets | 89.0800% | 48 |
| Net loans and leases to deposits | 109.7040% | 160 |
| Net loans and leases to core deposits | 135.9713% | 169 |
| Total domestic deposits to total assets | 81.2000% | 3,730 |
| Equity capital to assets | 8.8946% | 2,420 |
| Core capital (leverage) ratio | 8.7779% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2765% | 2,923 |
| Memoranda: | ||
| Average total assets | $449,450,800 | 1,856 |
| Average earning assets | $427,095,000 | 1,828 |
| Average equity | $39,371,600 | 1,941 |
| Average total loans | $390,687,200 | 1,426 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 234 |
| Cost of funding earning assets | 0.6953% | 275 |
| Net interest margin | 4.2206% | 399 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.5755% | 1,775 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.4782% | 893 |
| Return on assets (ROA) | 1.4782% | 877 |
| Pretax return on assets | 1.4782% | 1,475 |
| Return on Equity (ROE) | 16.9400% | 804 |
| Retained earnings to average equity (ytd only) | 9.6041% | 1,458 |
| Net charge-offs to loans | 0.0246% | 1,334 |
| Credit loss provision to net charge-offs | 794.3662% | 476 |
| Earnings coverage of net charge-offs (x) | 77.5634% | 1,057 |
| Efficiency ratio | 60.9958% | 2,972 |
| Assets per employee ($millions) | 7.3197% | 1,734 |
| Cash dividends to net income (ytd only)* | 43.3138% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 3,985 |
| Loan loss allowance to noncurrent loans | 109.6160% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 780 |
| Noncurrent loans to loans | 0.7749% | 1,046 |
| Net loans and leases to total assets | 85.9900% | 124 |
| Net loans and leases to deposits | 104.4417% | 227 |
| Net loans and leases to core deposits | 127.1770% | 171 |
| Total domestic deposits to total assets | 82.3300% | 3,784 |
| Equity capital to assets | 8.8216% | 2,337 |
| Core capital (leverage) ratio | 9.1180% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5169% | 2,944 |
| Memoranda: | ||
| Average total assets | $445,838,500 | 1,876 |
| Average earning assets | $423,813,250 | 1,846 |
| Average equity | $38,899,000 | 1,988 |
| Average total loans | $384,187,250 | 1,441 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8594% | 207 |
| Cost of funding earning assets | 0.6293% | 231 |
| Net interest margin | 4.2301% | 313 |
| Noninterest income to average assets | 0.1910% | 4,046 |
| Noninterest expense to average assets | 2.7622% | 1,245 |
| Loan and lease loss provision to assets | 0.1933% | 443 |
| Net operating income to assets | 1.2588% | 1,256 |
| Return on assets (ROA) | 1.2588% | 1,243 |
| Pretax return on assets | 1.2588% | 1,874 |
| Return on Equity (ROE) | 14.4836% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.5185% | 1,806 |
| Net charge-offs to loans | 0.0238% | 1,246 |
| Credit loss provision to net charge-offs | 946.6667% | 425 |
| Earnings coverage of net charge-offs (x) | 71.1111% | 995 |
| Efficiency ratio | 65.5432% | 2,569 |
| Assets per employee ($millions) | 7.0396% | 1,911 |
| Cash dividends to net income (ytd only)* | 48.0894% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 4,116 |
| Loan loss allowance to noncurrent loans | 122.6662% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 924 |
| Noncurrent loans to loans | 0.6809% | 1,267 |
| Net loans and leases to total assets | 87.9370% | 45 |
| Net loans and leases to deposits | 98.5612% | 323 |
| Net loans and leases to core deposits | 113.0826% | 295 |
| Total domestic deposits to total assets | 89.2206% | 2,078 |
| Equity capital to assets | 8.8813% | 2,466 |
| Core capital (leverage) ratio | 8.5540% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1026% | 3,001 |
| Memoranda: | ||
| Average total assets | $440,738,333 | 1,902 |
| Average earning assets | $419,188,667 | 1,883 |
| Average equity | $38,305,333 | 2,068 |
| Average total loans | $378,945,667 | 1,444 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 217 |
| Cost of funding earning assets | 0.6265% | 223 |
| Net interest margin | 4.1069% | 335 |
| Noninterest income to average assets | 0.1493% | 4,259 |
| Noninterest expense to average assets | 2.7413% | 1,273 |
| Loan and lease loss provision to assets | 0.2376% | 282 |
| Net operating income to assets | 1.0798% | 1,582 |
| Return on assets (ROA) | 1.0798% | 1,580 |
| Pretax return on assets | 1.0798% | 2,206 |
| Return on Equity (ROE) | 12.5622% | 1,136 |
| Retained earnings to average equity (ytd only) | 5.4973% | 2,413 |
| Net charge-offs to loans | 0.0484% | 804 |
| Credit loss provision to net charge-offs | 580.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 32.1556% | 1,099 |
| Efficiency ratio | 67.5415% | 2,562 |
| Assets per employee ($millions) | 7.0798% | 1,938 |
| Cash dividends to net income (ytd only)* | 56.2395% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 4,191 |
| Loan loss allowance to noncurrent loans | 82.4089% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 643 |
| Noncurrent loans to loans | 1.0109% | 898 |
| Net loans and leases to total assets | 81.9679% | 163 |
| Net loans and leases to deposits | 91.4146% | 456 |
| Net loans and leases to core deposits | 105.5194% | 357 |
| Total domestic deposits to total assets | 89.6661% | 1,735 |
| Equity capital to assets | 8.4646% | 3,194 |
| Core capital (leverage) ratio | 8.5538% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3038% | 3,006 |
| Memoranda: | ||
| Average total assets | $439,360,000 | 1,912 |
| Average earning assets | $418,228,000 | 1,891 |
| Average equity | $37,764,000 | 2,141 |
| Average total loans | $371,778,000 | 1,457 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 213 |
| Cost of funding earning assets | 0.6963% | 331 |
| Net interest margin | 4.4459% | 304 |
| Noninterest income to average assets | 0.2152% | 4,080 |
| Noninterest expense to average assets | 2.9212% | 1,113 |
| Loan and lease loss provision to assets | 0.3411% | 224 |
| Net operating income to assets | 1.1926% | 1,947 |
| Return on assets (ROA) | 1.1926% | 2,007 |
| Pretax return on assets | 1.1926% | 2,688 |
| Return on Equity (ROE) | 13.8175% | 1,241 |
| Retained earnings to average equity (ytd only) | 6.0643% | 2,335 |
| Net charge-offs to loans | 0.0337% | 1,559 |
| Credit loss provision to net charge-offs | 1,222.4299% | 460 |
| Earnings coverage of net charge-offs (x) | 54.9626% | 1,238 |
| Efficiency ratio | 65.5719% | 2,326 |
| Assets per employee ($millions) | 6.6502% | 2,199 |
| Cash dividends to net income (ytd only)* | 56.1120% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 4,286 |
| Loan loss allowance to noncurrent loans | 99.4521% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 920 |
| Noncurrent loans to loans | 0.7913% | 1,284 |
| Net loans and leases to total assets | 86.0241% | 64 |
| Net loans and leases to deposits | 95.9822% | 317 |
| Net loans and leases to core deposits | 111.6836% | 260 |
| Total domestic deposits to total assets | 89.6250% | 1,154 |
| Equity capital to assets | 8.7343% | 3,855 |
| Core capital (leverage) ratio | 8.8355% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3663% | 3,008 |
| Memoranda: | ||
| Average total assets | $383,435,200 | 2,051 |
| Average earning assets | $365,664,400 | 2,019 |
| Average equity | $33,095,600 | 2,382 |
| Average total loans | $317,390,000 | 1,634 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 216 |
| Cost of funding earning assets | 0.7139% | 352 |
| Net interest margin | 4.5116% | 307 |
| Noninterest income to average assets | 0.2242% | 4,062 |
| Noninterest expense to average assets | 2.9967% | 981 |
| Loan and lease loss provision to assets | 0.0805% | 1,477 |
| Net operating income to assets | 1.4474% | 1,403 |
| Return on assets (ROA) | 1.4474% | 1,465 |
| Pretax return on assets | 1.4474% | 2,160 |
| Return on Equity (ROE) | 16.8263% | 792 |
| Retained earnings to average equity (ytd only) | 9.2071% | 1,614 |
| Net charge-offs to loans | 0.0109% | 1,921 |
| Credit loss provision to net charge-offs | 900.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 170.9200% | 615 |
| Efficiency ratio | 66.2320% | 2,072 |
| Assets per employee ($millions) | 6.3355% | 2,389 |
| Cash dividends to net income (ytd only)* | 45.2816% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5564% | 4,664 |
| Loan loss allowance to noncurrent loans | 64.1173% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 998 |
| Noncurrent loans to loans | 0.8678% | 1,327 |
| Net loans and leases to total assets | 83.8818% | 119 |
| Net loans and leases to deposits | 93.2648% | 442 |
| Net loans and leases to core deposits | 109.4376% | 334 |
| Total domestic deposits to total assets | 89.9394% | 800 |
| Equity capital to assets | 8.1778% | 4,425 |
| Core capital (leverage) ratio | 8.3473% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,891,250 | 2,117 |
| Average earning assets | $355,430,500 | 2,080 |
| Average equity | $32,076,000 | 2,455 |
| Average total loans | $304,479,500 | 1,716 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 189 |
| Cost of funding earning assets | 0.7345% | 389 |
| Net interest margin | 4.6867% | 269 |
| Noninterest income to average assets | 0.2492% | 3,910 |
| Noninterest expense to average assets | 3.0484% | 909 |
| Loan and lease loss provision to assets | 0.0823% | 1,481 |
| Net operating income to assets | 1.5850% | 1,083 |
| Return on assets (ROA) | 1.5850% | 1,139 |
| Pretax return on assets | 1.5850% | 1,779 |
| Return on Equity (ROE) | 18.0924% | 639 |
| Retained earnings to average equity (ytd only) | 10.6889% | 1,199 |
| Net charge-offs to loans | -0.0027% | 3,266 |
| Credit loss provision to net charge-offs | -3,725.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6439% | 2,341 |
| Assets per employee ($millions) | 5.9077% | 2,708 |
| Cash dividends to net income (ytd only)* | 40.9202% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 4,675 |
| Loan loss allowance to noncurrent loans | 59.1271% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 989 |
| Noncurrent loans to loans | 0.9794% | 1,260 |
| Net loans and leases to total assets | 81.7261% | 232 |
| Net loans and leases to deposits | 90.9885% | 590 |
| Net loans and leases to core deposits | 106.9846% | 440 |
| Total domestic deposits to total assets | 89.8202% | 862 |
| Equity capital to assets | 8.3599% | 4,314 |
| Core capital (leverage) ratio | 8.6588% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,030,333 | 2,149 |
| Average earning assets | $345,018,000 | 2,113 |
| Average equity | $31,715,000 | 2,462 |
| Average total loans | $291,965,333 | 1,775 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 161 |
| Cost of funding earning assets | 0.7644% | 422 |
| Net interest margin | 4.8858% | 217 |
| Noninterest income to average assets | 0.2241% | 4,042 |
| Noninterest expense to average assets | 3.0027% | 988 |
| Loan and lease loss provision to assets | 0.0839% | 1,555 |
| Net operating income to assets | 1.7869% | 808 |
| Return on assets (ROA) | 1.7869% | 860 |
| Pretax return on assets | 1.7869% | 1,315 |
| Return on Equity (ROE) | 19.8884% | 538 |
| Retained earnings to average equity (ytd only) | 13.2760% | 862 |
| Net charge-offs to loans | -0.0058% | 3,449 |
| Credit loss provision to net charge-offs | -1,825.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6128% | 2,820 |
| Assets per employee ($millions) | 5.7558% | 2,843 |
| Cash dividends to net income (ytd only)* | 33.2476% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 4,669 |
| Loan loss allowance to noncurrent loans | 52.1230% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 866 |
| Noncurrent loans to loans | 1.1895% | 1,108 |
| Net loans and leases to total assets | 79.9547% | 337 |
| Net loans and leases to deposits | 89.7833% | 708 |
| Net loans and leases to core deposits | 106.0231% | 511 |
| Total domestic deposits to total assets | 89.0530% | 1,318 |
| Equity capital to assets | 8.9565% | 3,729 |
| Core capital (leverage) ratio | 9.2193% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,090,000 | 2,201 |
| Average earning assets | $331,248,000 | 2,171 |
| Average equity | $31,274,500 | 2,476 |
| Average total loans | $277,690,500 | 1,847 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 298 |
| Cost of funding earning assets | 1.0679% | 459 |
| Net interest margin | 4.1867% | 653 |
| Noninterest income to average assets | 0.2606% | 3,920 |
| Noninterest expense to average assets | 3.2786% | 930 |
| Loan and lease loss provision to assets | 0.0501% | 3,757 |
| Net operating income to assets | 0.8784% | 2,791 |
| Return on assets (ROA) | 0.9377% | 2,678 |
| Pretax return on assets | 0.9377% | 3,258 |
| Return on Equity (ROE) | 10.0582% | 1,986 |
| Retained earnings to average equity (ytd only) | 4.3278% | 2,638 |
| Net charge-offs to loans | 0.0084% | 3,033 |
| Credit loss provision to net charge-offs | 747.6190% | 958 |
| Earnings coverage of net charge-offs (x) | 138.6190% | 617 |
| Efficiency ratio | 77.9303% | 1,036 |
| Assets per employee ($millions) | 5.3861% | 2,971 |
| Cash dividends to net income (ytd only)* | 56.9728% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6348% | 4,678 |
| Loan loss allowance to noncurrent loans | 52.3678% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 998 |
| Noncurrent loans to loans | 1.2122% | 1,150 |
| Net loans and leases to total assets | 78.5605% | 547 |
| Net loans and leases to deposits | 88.5460% | 1,039 |
| Net loans and leases to core deposits | 106.4027% | 628 |
| Total domestic deposits to total assets | 88.7228% | 1,110 |
| Equity capital to assets | 9.0141% | 4,039 |
| Core capital (leverage) ratio | 9.3047% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,518,400 | 2,225 |
| Average earning assets | $295,528,000 | 2,210 |
| Average equity | $29,229,800 | 2,523 |
| Average total loans | $251,055,400 | 1,914 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3778% | 291 |
| Cost of funding earning assets | 1.1389% | 458 |
| Net interest margin | 4.2389% | 677 |
| Noninterest income to average assets | 0.2705% | 3,847 |
| Noninterest expense to average assets | 3.2127% | 1,054 |
| Loan and lease loss provision to assets | 0.0518% | 3,708 |
| Net operating income to assets | 0.9930% | 2,367 |
| Return on assets (ROA) | 1.0738% | 2,197 |
| Pretax return on assets | 1.0738% | 2,836 |
| Return on Equity (ROE) | 11.4129% | 1,553 |
| Retained earnings to average equity (ytd only) | 5.7272% | 2,224 |
| Net charge-offs to loans | 0.0097% | 2,758 |
| Credit loss provision to net charge-offs | 661.1111% | 1,107 |
| Earnings coverage of net charge-offs (x) | 133.6667% | 654 |
| Efficiency ratio | 75.4615% | 1,258 |
| Assets per employee ($millions) | 4.8876% | 3,390 |
| Cash dividends to net income (ytd only)* | 49.8180% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 4,645 |
| Loan loss allowance to noncurrent loans | 39.9330% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 746 |
| Noncurrent loans to loans | 1.6505% | 841 |
| Net loans and leases to total assets | 76.7711% | 989 |
| Net loans and leases to deposits | 86.9409% | 1,597 |
| Net loans and leases to core deposits | 102.8334% | 991 |
| Total domestic deposits to total assets | 88.3026% | 1,060 |
| Equity capital to assets | 9.2983% | 3,861 |
| Core capital (leverage) ratio | 9.6466% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,067,250 | 2,238 |
| Average earning assets | $288,810,250 | 2,224 |
| Average equity | $28,890,500 | 2,538 |
| Average total loans | $246,750,000 | 1,937 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 266 |
| Cost of funding earning assets | 1.1781% | 545 |
| Net interest margin | 4.4433% | 563 |
| Noninterest income to average assets | 0.2964% | 3,696 |
| Noninterest expense to average assets | 3.3464% | 927 |
| Loan and lease loss provision to assets | 0.0500% | 3,679 |
| Net operating income to assets | 1.0704% | 2,070 |
| Return on assets (ROA) | 1.0837% | 2,146 |
| Pretax return on assets | 1.0837% | 2,762 |
| Return on Equity (ROE) | 11.4695% | 1,486 |
| Retained earnings to average equity (ytd only) | 4.9276% | 2,512 |
| Net charge-offs to loans | 0.0123% | 2,527 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 112.1333% | 655 |
| Efficiency ratio | 74.9180% | 1,377 |
| Assets per employee ($millions) | 5.0306% | 3,134 |
| Cash dividends to net income (ytd only)* | 57.0375% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 4,672 |
| Loan loss allowance to noncurrent loans | 91.0974% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 2,115 |
| Noncurrent loans to loans | 0.7103% | 2,100 |
| Net loans and leases to total assets | 77.5922% | 906 |
| Net loans and leases to deposits | 87.9825% | 1,560 |
| Net loans and leases to core deposits | 104.0436% | 1,000 |
| Total domestic deposits to total assets | 88.1904% | 1,089 |
| Equity capital to assets | 9.3468% | 3,785 |
| Core capital (leverage) ratio | 9.7966% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,267,333 | 2,253 |
| Average earning assets | $281,815,667 | 2,236 |
| Average equity | $28,371,000 | 2,560 |
| Average total loans | $244,644,000 | 1,940 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 260 |
| Cost of funding earning assets | 1.2727% | 613 |
| Net interest margin | 4.4052% | 620 |
| Noninterest income to average assets | 0.2916% | 3,778 |
| Noninterest expense to average assets | 3.4621% | 989 |
| Loan and lease loss provision to assets | 0.0525% | 3,117 |
| Net operating income to assets | 0.9053% | 2,506 |
| Return on assets (ROA) | 0.9053% | 2,612 |
| Pretax return on assets | 0.9053% | 3,127 |
| Return on Equity (ROE) | 9.5238% | 1,901 |
| Retained earnings to average equity (ytd only) | 2.4864% | 3,268 |
| Net charge-offs to loans | 0.0265% | 1,842 |
| Credit loss provision to net charge-offs | 237.5000% | 1,320 |
| Earnings coverage of net charge-offs (x) | 43.3125% | 988 |
| Efficiency ratio | 78.3302% | 1,301 |
| Assets per employee ($millions) | 4.6208% | 3,094 |
| Cash dividends to net income (ytd only)* | 73.8931% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 4,677 |
| Loan loss allowance to noncurrent loans | 106.1456% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 2,450 |
| Noncurrent loans to loans | 0.6201% | 2,441 |
| Net loans and leases to total assets | 81.0982% | 551 |
| Net loans and leases to deposits | 92.7694% | 1,205 |
| Net loans and leases to core deposits | 111.2320% | 788 |
| Total domestic deposits to total assets | 87.4191% | 1,370 |
| Equity capital to assets | 10.0043% | 3,782 |
| Core capital (leverage) ratio | 10.6438% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,421,500 | 2,270 |
| Average earning assets | $271,224,000 | 2,256 |
| Average equity | $27,510,000 | 2,604 |
| Average total loans | $241,245,000 | 1,919 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1438% | 183 |
| Cost of funding earning assets | 1.3207% | 730 |
| Net interest margin | 4.8230% | 381 |
| Noninterest income to average assets | 0.4054% | 3,265 |
| Noninterest expense to average assets | 3.3778% | 1,155 |
| Loan and lease loss provision to assets | 0.0639% | 2,755 |
| Net operating income to assets | 1.4652% | 1,141 |
| Return on assets (ROA) | 1.4819% | 1,155 |
| Pretax return on assets | 1.4819% | 1,860 |
| Return on Equity (ROE) | 15.5899% | 594 |
| Retained earnings to average equity (ytd only) | 7.8667% | 1,020 |
| Net charge-offs to loans | 0.0186% | 3,056 |
| Credit loss provision to net charge-offs | 400.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 95.7561% | 705 |
| Efficiency ratio | 68.8388% | 2,337 |
| Assets per employee ($millions) | 4.6411% | 3,030 |
| Cash dividends to net income (ytd only)* | 49.5401% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 4,656 |
| Loan loss allowance to noncurrent loans | 86.6704% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 1,988 |
| Noncurrent loans to loans | 0.7500% | 2,010 |
| Net loans and leases to total assets | 84.5961% | 267 |
| Net loans and leases to deposits | 95.5928% | 983 |
| Net loans and leases to core deposits | 107.2822% | 1,021 |
| Total domestic deposits to total assets | 88.4963% | 890 |
| Equity capital to assets | 8.9838% | 4,690 |
| Core capital (leverage) ratio | 9.5673% | 3,993 |
| Tier 1 risk-based capital ratio | 11.3031% | 4,735 |
| Total risk-based capital ratio | 12.0040% | 4,854 |
| Memoranda: | ||
| Average total assets | $256,764,000 | 2,414 |
| Average earning assets | $239,641,000 | 2,411 |
| Average equity | $24,406,800 | 2,762 |
| Average total loans | $220,314,600 | 2,026 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2121% | 171 |
| Cost of funding earning assets | 1.3200% | 746 |
| Net interest margin | 4.8922% | 347 |
| Noninterest income to average assets | 0.4285% | 3,158 |
| Noninterest expense to average assets | 3.4359% | 1,033 |
| Loan and lease loss provision to assets | 0.0634% | 2,621 |
| Net operating income to assets | 1.4960% | 1,198 |
| Return on assets (ROA) | 1.5189% | 1,195 |
| Pretax return on assets | 1.5189% | 1,902 |
| Return on Equity (ROE) | 15.7346% | 650 |
| Retained earnings to average equity (ytd only) | 7.7735% | 1,505 |
| Net charge-offs to loans | 0.0273% | 2,545 |
| Credit loss provision to net charge-offs | 270.4545% | 1,027 |
| Earnings coverage of net charge-offs (x) | 66.4946% | 992 |
| Efficiency ratio | 68.7827% | 2,291 |
| Assets per employee ($millions) | 4.2219% | 3,584 |
| Cash dividends to net income (ytd only)* | 50.5965% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,690 |
| Loan loss allowance to noncurrent loans | 91.3959% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 2,075 |
| Noncurrent loans to loans | 0.7414% | 2,110 |
| Net loans and leases to total assets | 86.4482% | 164 |
| Net loans and leases to deposits | 96.6546% | 932 |
| Net loans and leases to core deposits | 104.3803% | 1,303 |
| Total domestic deposits to total assets | 89.4404% | 465 |
| Equity capital to assets | 9.6747% | 4,311 |
| Core capital (leverage) ratio | 9.9440% | 3,691 |
| Tier 1 risk-based capital ratio | 11.9858% | 4,423 |
| Total risk-based capital ratio | 12.7212% | 4,583 |
| Memoranda: | ||
| Average total assets | $250,177,500 | 2,482 |
| Average earning assets | $233,538,250 | 2,470 |
| Average equity | $24,150,000 | 2,795 |
| Average total loans | $215,126,500 | 2,074 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2422% | 159 |
| Cost of funding earning assets | 1.3157% | 705 |
| Net interest margin | 4.9265% | 336 |
| Noninterest income to average assets | 0.4134% | 3,179 |
| Noninterest expense to average assets | 3.4619% | 1,005 |
| Loan and lease loss provision to assets | 0.0654% | 2,509 |
| Net operating income to assets | 1.4839% | 1,191 |
| Return on assets (ROA) | 1.5194% | 1,139 |
| Pretax return on assets | 1.5194% | 1,797 |
| Return on Equity (ROE) | 15.7525% | 630 |
| Retained earnings to average equity (ytd only) | 7.3991% | 1,649 |
| Net charge-offs to loans | 0.0189% | 2,495 |
| Credit loss provision to net charge-offs | 405.0000% | 708 |
| Earnings coverage of net charge-offs (x) | 95.9500% | 720 |
| Efficiency ratio | 69.0833% | 2,371 |
| Assets per employee ($millions) | 4.1837% | 3,600 |
| Cash dividends to net income (ytd only)* | 53.0287% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6982% | 4,721 |
| Loan loss allowance to noncurrent loans | 68.2540% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 1,597 |
| Noncurrent loans to loans | 1.0229% | 1,601 |
| Net loans and leases to total assets | 85.2729% | 267 |
| Net loans and leases to deposits | 95.3381% | 1,111 |
| Net loans and leases to core deposits | 103.3478% | 1,437 |
| Total domestic deposits to total assets | 89.4427% | 494 |
| Equity capital to assets | 9.7179% | 4,218 |
| Core capital (leverage) ratio | 9.8382% | 3,777 |
| Tier 1 risk-based capital ratio | 12.1921% | 4,304 |
| Total risk-based capital ratio | 12.9493% | 4,477 |
| Memoranda: | ||
| Average total assets | $247,724,000 | 2,506 |
| Average earning assets | $231,199,330 | 2,490 |
| Average equity | $23,894,670 | 2,805 |
| Average total loans | $212,116,670 | 2,099 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4124% | 125 |
| Cost of funding earning assets | 1.3097% | 642 |
| Net interest margin | 5.1027% | 242 |
| Noninterest income to average assets | 0.3332% | 3,635 |
| Noninterest expense to average assets | 3.4250% | 1,075 |
| Loan and lease loss provision to assets | 0.0618% | 2,421 |
| Net operating income to assets | 1.6028% | 886 |
| Return on assets (ROA) | 1.6028% | 916 |
| Pretax return on assets | 1.6028% | 1,464 |
| Return on Equity (ROE) | 16.6801% | 508 |
| Retained earnings to average equity (ytd only) | 7.9679% | 1,675 |
| Net charge-offs to loans | 0.0399% | 1,706 |
| Credit loss provision to net charge-offs | 180.9524% | 1,114 |
| Earnings coverage of net charge-offs (x) | 48.7619% | 1,047 |
| Efficiency ratio | 67.2948% | 2,740 |
| Assets per employee ($millions) | 4.2398% | 3,561 |
| Cash dividends to net income (ytd only)* | 52.2312% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 4,789 |
| Loan loss allowance to noncurrent loans | 101.8118% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,248 |
| Noncurrent loans to loans | 0.6807% | 2,316 |
| Net loans and leases to total assets | 85.1288% | 264 |
| Net loans and leases to deposits | 95.1706% | 1,045 |
| Net loans and leases to core deposits | 103.1379% | 1,372 |
| Total domestic deposits to total assets | 89.4486% | 666 |
| Equity capital to assets | 9.7064% | 4,087 |
| Core capital (leverage) ratio | 9.5839% | 4,040 |
| Tier 1 risk-based capital ratio | 12.3063% | 4,294 |
| Total risk-based capital ratio | 13.0611% | 4,464 |
| Memoranda: | ||
| Average total assets | $246,075,500 | 2,542 |
| Average earning assets | $229,367,500 | 2,525 |
| Average equity | $23,645,000 | 2,834 |
| Average total loans | $210,396,000 | 2,130 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8958% | 198 |
| Cost of funding earning assets | 1.0839% | 527 |
| Net interest margin | 4.8119% | 389 |
| Noninterest income to average assets | 0.4193% | 3,316 |
| Noninterest expense to average assets | 3.3278% | 1,262 |
| Loan and lease loss provision to assets | 0.0992% | 2,201 |
| Net operating income to assets | 1.4765% | 1,182 |
| Return on assets (ROA) | 1.4765% | 1,175 |
| Pretax return on assets | 1.4765% | 1,858 |
| Return on Equity (ROE) | 15.9846% | 635 |
| Retained earnings to average equity (ytd only) | 9.0120% | 859 |
| Net charge-offs to loans | 0.0811% | 1,979 |
| Credit loss provision to net charge-offs | 141.1765% | 1,919 |
| Earnings coverage of net charge-offs (x) | 22.4353% | 1,901 |
| Efficiency ratio | 67.8659% | 2,567 |
| Assets per employee ($millions) | 4.1040% | 3,743 |
| Cash dividends to net income (ytd only)* | 43.6206% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 4,822 |
| Loan loss allowance to noncurrent loans | 95.4395% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 2,138 |
| Noncurrent loans to loans | 0.7205% | 2,183 |
| Net loans and leases to total assets | 84.6922% | 348 |
| Net loans and leases to deposits | 94.5470% | 1,224 |
| Net loans and leases to core deposits | 101.9775% | 1,578 |
| Total domestic deposits to total assets | 89.5768% | 630 |
| Equity capital to assets | 9.5115% | 4,120 |
| Core capital (leverage) ratio | 9.6191% | 3,984 |
| Tier 1 risk-based capital ratio | 12.0897% | 4,370 |
| Total risk-based capital ratio | 12.8374% | 4,574 |
| Memoranda: | ||
| Average total assets | $242,055,000 | 2,533 |
| Average earning assets | $225,565,600 | 2,519 |
| Average equity | $22,359,000 | 2,875 |
| Average total loans | $209,623,800 | 2,097 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 214 |
| Cost of funding earning assets | 1.0303% | 521 |
| Net interest margin | 4.7860% | 386 |
| Noninterest income to average assets | 0.4193% | 3,357 |
| Noninterest expense to average assets | 3.2861% | 1,329 |
| Loan and lease loss provision to assets | 0.0891% | 2,194 |
| Net operating income to assets | 1.5053% | 1,181 |
| Return on assets (ROA) | 1.5053% | 1,176 |
| Pretax return on assets | 1.5053% | 1,881 |
| Return on Equity (ROE) | 16.4207% | 621 |
| Retained earnings to average equity (ytd only) | 9.1005% | 1,182 |
| Net charge-offs to loans | 0.0942% | 1,552 |
| Credit loss provision to net charge-offs | 108.7838% | 2,127 |
| Earnings coverage of net charge-offs (x) | 19.4728% | 2,004 |
| Efficiency ratio | 67.3317% | 2,653 |
| Assets per employee ($millions) | 4.1041% | 3,720 |
| Cash dividends to net income (ytd only)* | 44.5791% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6592% | 4,949 |
| Loan loss allowance to noncurrent loans | 47.7617% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 1,141 |
| Noncurrent loans to loans | 1.3801% | 1,208 |
| Net loans and leases to total assets | 86.3253% | 236 |
| Net loans and leases to deposits | 96.1804% | 1,134 |
| Net loans and leases to core deposits | 104.5077% | 1,418 |
| Total domestic deposits to total assets | 89.7534% | 582 |
| Equity capital to assets | 9.3714% | 4,207 |
| Core capital (leverage) ratio | 9.3817% | 4,301 |
| Tier 1 risk-based capital ratio | 11.7645% | 4,624 |
| Total risk-based capital ratio | 12.4851% | 4,827 |
| Memoranda: | ||
| Average total assets | $241,008,750 | 2,548 |
| Average earning assets | $224,647,750 | 2,540 |
| Average equity | $22,093,500 | 2,908 |
| Average total loans | $209,532,250 | 2,101 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7668% | 210 |
| Cost of funding earning assets | 0.9632% | 551 |
| Net interest margin | 4.8036% | 363 |
| Noninterest income to average assets | 0.4197% | 3,353 |
| Noninterest expense to average assets | 3.2398% | 1,451 |
| Loan and lease loss provision to assets | 0.0673% | 2,540 |
| Net operating income to assets | 1.5850% | 948 |
| Return on assets (ROA) | 1.5850% | 954 |
| Pretax return on assets | 1.5850% | 1,548 |
| Return on Equity (ROE) | 17.4203% | 483 |
| Retained earnings to average equity (ytd only) | 9.0527% | 1,198 |
| Net charge-offs to loans | 0.0879% | 1,463 |
| Credit loss provision to net charge-offs | 88.0435% | 2,183 |
| Earnings coverage of net charge-offs (x) | 21.6087% | 1,769 |
| Efficiency ratio | 66.2249% | 2,932 |
| Assets per employee ($millions) | 4.1354% | 3,671 |
| Cash dividends to net income (ytd only)* | 48.0336% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 5,020 |
| Loan loss allowance to noncurrent loans | 38.9206% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4558% | 922 |
| Noncurrent loans to loans | 1.6860% | 945 |
| Net loans and leases to total assets | 84.5731% | 395 |
| Net loans and leases to deposits | 93.8014% | 1,379 |
| Net loans and leases to core deposits | 113.8282% | 800 |
| Total domestic deposits to total assets | 90.1619% | 520 |
| Equity capital to assets | 9.1184% | 4,465 |
| Core capital (leverage) ratio | 9.1676% | 4,499 |
| Tier 1 risk-based capital ratio | 11.6881% | 4,698 |
| Total risk-based capital ratio | 12.4081% | 4,871 |
| Memoranda: | ||
| Average total assets | $240,631,670 | 2,556 |
| Average earning assets | $224,041,330 | 2,559 |
| Average equity | $21,894,000 | 2,936 |
| Average total loans | $209,238,000 | 2,108 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8166% | 177 |
| Cost of funding earning assets | 0.9111% | 562 |
| Net interest margin | 4.9055% | 274 |
| Noninterest income to average assets | 0.3666% | 3,687 |
| Noninterest expense to average assets | 3.2475% | 1,459 |
| Loan and lease loss provision to assets | 0.0050% | 3,442 |
| Net operating income to assets | 1.6656% | 744 |
| Return on assets (ROA) | 1.6656% | 747 |
| Pretax return on assets | 1.6656% | 1,205 |
| Return on Equity (ROE) | 18.3267% | 377 |
| Retained earnings to average equity (ytd only) | 18.3267% | 142 |
| Net charge-offs to loans | 0.1429% | 957 |
| Credit loss provision to net charge-offs | 4.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 13.3067% | 1,762 |
| Efficiency ratio | 66.0313% | 3,148 |
| Assets per employee ($millions) | 4.0000% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 5,136 |
| Loan loss allowance to noncurrent loans | 39.9142% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3574% | 1,082 |
| Noncurrent loans to loans | 1.5734% | 1,107 |
| Net loans and leases to total assets | 84.4349% | 395 |
| Net loans and leases to deposits | 94.5745% | 1,179 |
| Net loans and leases to core deposits | 112.1391% | 884 |
| Total domestic deposits to total assets | 89.2787% | 972 |
| Equity capital to assets | 9.1139% | 4,443 |
| Core capital (leverage) ratio | 9.3576% | 4,249 |
| Tier 1 risk-based capital ratio | 11.8741% | 4,626 |
| Total risk-based capital ratio | 12.5727% | 4,858 |
| Memoranda: | ||
| Average total assets | $238,952,500 | 2,595 |
| Average earning assets | $221,710,500 | 2,598 |
| Average equity | $21,717,000 | 2,976 |
| Average total loans | $210,000,500 | 2,113 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9756% | 139 |
| Cost of funding earning assets | 0.8008% | 619 |
| Net interest margin | 5.1748% | 174 |
| Noninterest income to average assets | 0.3785% | 3,769 |
| Noninterest expense to average assets | 3.5402% | 970 |
| Loan and lease loss provision to assets | 0.0361% | 3,544 |
| Net operating income to assets | 1.6039% | 649 |
| Return on assets (ROA) | 1.6043% | 662 |
| Pretax return on assets | 1.6043% | 1,279 |
| Return on Equity (ROE) | 18.7097% | 261 |
| Retained earnings to average equity (ytd only) | 9.5495% | 414 |
| Net charge-offs to loans | 0.0671% | 2,507 |
| Credit loss provision to net charge-offs | 58.3942% | 3,233 |
| Earnings coverage of net charge-offs (x) | 26.5328% | 1,671 |
| Efficiency ratio | 68.3418% | 2,828 |
| Assets per employee ($millions) | 3.8984% | 4,124 |
| Cash dividends to net income (ytd only)* | 48.9595% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6461% | 5,164 |
| Loan loss allowance to noncurrent loans | 81.2057% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 2,106 |
| Noncurrent loans to loans | 0.7956% | 2,225 |
| Net loans and leases to total assets | 90.3375% | 68 |
| Net loans and leases to deposits | 104.8707% | 453 |
| Net loans and leases to core deposits | 128.4649% | 374 |
| Total domestic deposits to total assets | 86.1418% | 2,376 |
| Equity capital to assets | 9.0618% | 4,655 |
| Core capital (leverage) ratio | 9.2006% | 4,395 |
| Tier 1 risk-based capital ratio | 11.0420% | 5,119 |
| Total risk-based capital ratio | 11.7599% | 5,272 |
| Memoranda: | ||
| Average total assets | $221,651,200 | 2,714 |
| Average earning assets | $205,670,000 | 2,717 |
| Average equity | $19,006,200 | 3,241 |
| Average total loans | $204,306,600 | 2,125 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9414% | 142 |
| Cost of funding earning assets | 0.7711% | 683 |
| Net interest margin | 5.1703% | 172 |
| Noninterest income to average assets | 0.3953% | 3,721 |
| Noninterest expense to average assets | 3.4920% | 1,008 |
| Loan and lease loss provision to assets | 0.0488% | 3,121 |
| Net operating income to assets | 1.6603% | 627 |
| Return on assets (ROA) | 1.6609% | 647 |
| Pretax return on assets | 1.6609% | 1,214 |
| Return on Equity (ROE) | 19.6686% | 237 |
| Retained earnings to average equity (ytd only) | 10.7625% | 448 |
| Net charge-offs to loans | 0.0666% | 2,171 |
| Credit loss provision to net charge-offs | 79.2079% | 2,599 |
| Earnings coverage of net charge-offs (x) | 27.7433% | 1,622 |
| Efficiency ratio | 67.1397% | 3,028 |
| Assets per employee ($millions) | 3.9085% | 4,142 |
| Cash dividends to net income (ytd only)* | 45.2809% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6681% | 5,210 |
| Loan loss allowance to noncurrent loans | 77.3875% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 2,090 |
| Noncurrent loans to loans | 0.8634% | 2,211 |
| Net loans and leases to total assets | 92.4687% | 27 |
| Net loans and leases to deposits | 103.9745% | 500 |
| Net loans and leases to core deposits | 131.5870% | 317 |
| Total domestic deposits to total assets | 88.9340% | 919 |
| Equity capital to assets | 8.9027% | 4,994 |
| Core capital (leverage) ratio | 9.0135% | 4,723 |
| Tier 1 risk-based capital ratio | 10.7650% | 5,356 |
| Total risk-based capital ratio | 11.5181% | 5,467 |
| Memoranda: | ||
| Average total assets | $218,588,000 | 2,765 |
| Average earning assets | $203,180,750 | 2,762 |
| Average equity | $18,458,750 | 3,336 |
| Average total loans | $202,214,000 | 2,149 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8583% | 149 |
| Cost of funding earning assets | 0.7348% | 741 |
| Net interest margin | 5.1235% | 183 |
| Noninterest income to average assets | 0.4160% | 3,591 |
| Noninterest expense to average assets | 3.5204% | 982 |
| Loan and lease loss provision to assets | 0.0741% | 2,489 |
| Net operating income to assets | 1.5758% | 745 |
| Return on assets (ROA) | 1.5768% | 763 |
| Pretax return on assets | 1.5768% | 1,409 |
| Return on Equity (ROE) | 19.0334% | 262 |
| Retained earnings to average equity (ytd only) | 11.2165% | 408 |
| Net charge-offs to loans | 0.0913% | 1,698 |
| Credit loss provision to net charge-offs | 87.9121% | 2,167 |
| Earnings coverage of net charge-offs (x) | 19.5714% | 1,825 |
| Efficiency ratio | 68.0882% | 2,999 |
| Assets per employee ($millions) | 3.8172% | 4,254 |
| Cash dividends to net income (ytd only)* | 41.0693% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 5,225 |
| Loan loss allowance to noncurrent loans | 65.9239% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 1,757 |
| Noncurrent loans to loans | 1.0546% | 1,867 |
| Net loans and leases to total assets | 91.6114% | 46 |
| Net loans and leases to deposits | 101.7161% | 625 |
| Net loans and leases to core deposits | 131.4794% | 283 |
| Total domestic deposits to total assets | 90.0658% | 513 |
| Equity capital to assets | 8.3321% | 5,395 |
| Core capital (leverage) ratio | 8.5215% | 5,200 |
| Tier 1 risk-based capital ratio | 10.2433% | 5,563 |
| Total risk-based capital ratio | 11.0329% | 5,643 |
| Memoranda: | ||
| Average total assets | $215,885,670 | 2,801 |
| Average earning assets | $200,330,670 | 2,803 |
| Average equity | $17,884,330 | 3,412 |
| Average total loans | $199,274,670 | 2,171 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7909% | 158 |
| Cost of funding earning assets | 0.6978% | 853 |
| Net interest margin | 5.0930% | 190 |
| Noninterest income to average assets | 0.3209% | 4,255 |
| Noninterest expense to average assets | 3.5302% | 1,003 |
| Loan and lease loss provision to assets | 0.1501% | 1,235 |
| Net operating income to assets | 1.3663% | 1,072 |
| Return on assets (ROA) | 1.3663% | 1,109 |
| Pretax return on assets | 1.3663% | 2,005 |
| Return on Equity (ROE) | 16.5426% | 457 |
| Retained earnings to average equity (ytd only) | 6.7716% | 1,943 |
| Net charge-offs to loans | 0.0081% | 2,690 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 277 |
| Efficiency ratio | 69.9517% | 2,902 |
| Assets per employee ($millions) | 3.6837% | 4,528 |
| Cash dividends to net income (ytd only)* | 59.0659% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 5,159 |
| Loan loss allowance to noncurrent loans | 62.6611% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 1,239 |
| Noncurrent loans to loans | 1.2206% | 1,662 |
| Net loans and leases to total assets | 91.5182% | 28 |
| Net loans and leases to deposits | 100.7502% | 569 |
| Net loans and leases to core deposits | 129.5285% | 267 |
| Total domestic deposits to total assets | 90.8367% | 348 |
| Equity capital to assets | 8.3152% | 5,348 |
| Core capital (leverage) ratio | 8.3488% | 5,344 |
| Tier 1 risk-based capital ratio | 10.2311% | 5,640 |
| Total risk-based capital ratio | 11.1015% | 5,702 |
| Memoranda: | ||
| Average total assets | $213,130,500 | 2,849 |
| Average earning assets | $197,760,000 | 2,855 |
| Average equity | $17,603,000 | 3,468 |
| Average total loans | $196,790,000 | 2,210 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0127% | 125 |
| Cost of funding earning assets | 0.6612% | 998 |
| Net interest margin | 5.3515% | 137 |
| Noninterest income to average assets | 0.5645% | 2,844 |
| Noninterest expense to average assets | 3.5372% | 1,107 |
| Loan and lease loss provision to assets | 0.1655% | 1,486 |
| Net operating income to assets | 1.8041% | 443 |
| Return on assets (ROA) | 1.8041% | 465 |
| Pretax return on assets | 1.8041% | 794 |
| Return on Equity (ROE) | 22.0206% | 145 |
| Retained earnings to average equity (ytd only) | 10.0809% | 397 |
| Net charge-offs to loans | 0.1211% | 2,045 |
| Credit loss provision to net charge-offs | 148.8584% | 1,839 |
| Earnings coverage of net charge-offs (x) | 17.7169% | 2,020 |
| Efficiency ratio | 64.2330% | 3,903 |
| Assets per employee ($millions) | 3.8655% | 4,197 |
| Cash dividends to net income (ytd only)* | 54.2206% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 5,298 |
| Loan loss allowance to noncurrent loans | 52.6878% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 1,320 |
| Noncurrent loans to loans | 1.3819% | 1,479 |
| Net loans and leases to total assets | 91.7701% | 38 |
| Net loans and leases to deposits | 102.4652% | 503 |
| Net loans and leases to core deposits | 133.6624% | 241 |
| Total domestic deposits to total assets | 89.5623% | 836 |
| Equity capital to assets | 8.2030% | 5,468 |
| Core capital (leverage) ratio | 8.2838% | 5,448 |
| Tier 1 risk-based capital ratio | 10.1159% | 5,707 |
| Total risk-based capital ratio | 10.9471% | 5,777 |
| Memoranda: | ||
| Average total assets | $196,991,800 | 2,988 |
| Average earning assets | $181,931,600 | 2,997 |
| Average equity | $16,139,400 | 3,676 |
| Average total loans | $180,906,000 | 2,305 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0117% | 121 |
| Cost of funding earning assets | 0.6537% | 1,042 |
| Net interest margin | 5.3580% | 136 |
| Noninterest income to average assets | 0.6436% | 2,460 |
| Noninterest expense to average assets | 3.4374% | 1,271 |
| Loan and lease loss provision to assets | 0.1685% | 1,352 |
| Net operating income to assets | 1.9790% | 352 |
| Return on assets (ROA) | 1.9790% | 365 |
| Pretax return on assets | 1.9790% | 602 |
| Return on Equity (ROE) | 24.1633% | 96 |
| Retained earnings to average equity (ytd only) | 11.4830% | 360 |
| Net charge-offs to loans | 0.0158% | 3,412 |
| Credit loss provision to net charge-offs | 1,161.9048% | 355 |
| Earnings coverage of net charge-offs (x) | 148.0914% | 469 |
| Efficiency ratio | 61.5480% | 4,305 |
| Assets per employee ($millions) | 3.6476% | 4,575 |
| Cash dividends to net income (ytd only)* | 52.4772% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 5,138 |
| Loan loss allowance to noncurrent loans | 35.2312% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.1967% | 669 |
| Noncurrent loans to loans | 2.3214% | 794 |
| Net loans and leases to total assets | 91.8468% | 27 |
| Net loans and leases to deposits | 101.9337% | 577 |
| Net loans and leases to core deposits | 128.4542% | 320 |
| Total domestic deposits to total assets | 90.1045% | 447 |
| Equity capital to assets | 8.4185% | 5,577 |
| Core capital (leverage) ratio | 8.5971% | 5,265 |
| Tier 1 risk-based capital ratio | 10.3368% | 5,687 |
| Total risk-based capital ratio | 11.2691% | 5,745 |
| Memoranda: | ||
| Average total assets | $193,088,750 | 3,040 |
| Average earning assets | $178,071,000 | 3,042 |
| Average equity | $15,814,250 | 3,749 |
| Average total loans | $176,998,000 | 2,345 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0279% | 122 |
| Cost of funding earning assets | 0.6472% | 1,061 |
| Net interest margin | 5.3808% | 137 |
| Noninterest income to average assets | 0.7689% | 1,852 |
| Noninterest expense to average assets | 3.5149% | 1,141 |
| Loan and lease loss provision to assets | 0.1711% | 1,292 |
| Net operating income to assets | 2.0268% | 317 |
| Return on assets (ROA) | 2.0268% | 334 |
| Pretax return on assets | 2.0268% | 542 |
| Return on Equity (ROE) | 24.9973% | 91 |
| Retained earnings to average equity (ytd only) | 14.9932% | 148 |
| Net charge-offs to loans | 0.0162% | 3,194 |
| Credit loss provision to net charge-offs | 1,157.1429% | 329 |
| Earnings coverage of net charge-offs (x) | 148.6429% | 419 |
| Efficiency ratio | 61.5271% | 4,421 |
| Assets per employee ($millions) | 3.5375% | 4,692 |
| Cash dividends to net income (ytd only)* | 40.0208% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 5,156 |
| Loan loss allowance to noncurrent loans | 75.5647% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 2,013 |
| Noncurrent loans to loans | 1.1135% | 2,066 |
| Net loans and leases to total assets | 90.8133% | 47 |
| Net loans and leases to deposits | 100.4406% | 658 |
| Net loans and leases to core deposits | 125.1060% | 388 |
| Total domestic deposits to total assets | 90.4149% | 344 |
| Equity capital to assets | 8.3674% | 5,664 |
| Core capital (leverage) ratio | 8.2997% | 5,537 |
| Tier 1 risk-based capital ratio | 10.2145% | 5,786 |
| Total risk-based capital ratio | 11.1576% | 5,831 |
| Memoranda: | ||
| Average total assets | $189,363,670 | 3,092 |
| Average earning assets | $173,990,000 | 3,095 |
| Average equity | $15,353,670 | 3,821 |
| Average total loans | $172,945,000 | 2,386 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0138% | 118 |
| Cost of funding earning assets | 0.6333% | 1,136 |
| Net interest margin | 5.3805% | 137 |
| Noninterest income to average assets | 0.4795% | 3,267 |
| Noninterest expense to average assets | 3.6662% | 939 |
| Loan and lease loss provision to assets | 0.1719% | 1,193 |
| Net operating income to assets | 1.5806% | 731 |
| Return on assets (ROA) | 1.5806% | 768 |
| Pretax return on assets | 1.5806% | 1,348 |
| Return on Equity (ROE) | 19.8158% | 254 |
| Retained earnings to average equity (ytd only) | 12.1821% | 485 |
| Net charge-offs to loans | 0.0302% | 2,345 |
| Credit loss provision to net charge-offs | 623.0769% | 515 |
| Earnings coverage of net charge-offs (x) | 63.5385% | 748 |
| Efficiency ratio | 67.6586% | 3,519 |
| Assets per employee ($millions) | 3.5828% | 4,681 |
| Cash dividends to net income (ytd only)* | 38.5235% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 5,347 |
| Loan loss allowance to noncurrent loans | 91.1591% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 1,676 |
| Noncurrent loans to loans | 0.8817% | 2,640 |
| Net loans and leases to total assets | 90.4733% | 55 |
| Net loans and leases to deposits | 100.8346% | 575 |
| Net loans and leases to core deposits | 126.8284% | 324 |
| Total domestic deposits to total assets | 89.7245% | 719 |
| Equity capital to assets | 8.0484% | 5,807 |
| Core capital (leverage) ratio | 8.0308% | 5,753 |
| Tier 1 risk-based capital ratio | 9.8242% | 5,943 |
| Total risk-based capital ratio | 10.7210% | 5,992 |
| Memoranda: | ||
| Average total assets | $188,532,500 | 3,105 |
| Average earning assets | $173,069,000 | 3,120 |
| Average equity | $15,038,500 | 3,864 |
| Average total loans | $171,943,000 | 2,387 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9789% | 135 |
| Cost of funding earning assets | 0.5690% | 1,602 |
| Net interest margin | 5.4099% | 143 |
| Noninterest income to average assets | 0.5673% | 2,915 |
| Noninterest expense to average assets | 3.8305% | 833 |
| Loan and lease loss provision to assets | 0.1862% | 1,200 |
| Net operating income to assets | 1.4954% | 871 |
| Return on assets (ROA) | 1.4954% | 908 |
| Pretax return on assets | 1.4954% | 1,568 |
| Return on Equity (ROE) | 18.5719% | 348 |
| Retained earnings to average equity (ytd only) | 9.5001% | 535 |
| Net charge-offs to loans | 0.0322% | 3,578 |
| Credit loss provision to net charge-offs | 648.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 58.5200% | 883 |
| Efficiency ratio | 69.4922% | 3,305 |
| Assets per employee ($millions) | 3.5996% | 4,644 |
| Cash dividends to net income (ytd only)* | 48.8470% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 5,475 |
| Loan loss allowance to noncurrent loans | 88.5027% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.2870% | 1,652 |
| Noncurrent loans to loans | 0.8764% | 2,601 |
| Net loans and leases to total assets | 90.4876% | 52 |
| Net loans and leases to deposits | 103.5079% | 465 |
| Net loans and leases to core deposits | 126.2143% | 330 |
| Total domestic deposits to total assets | 87.4210% | 1,916 |
| Equity capital to assets | 7.9037% | 5,887 |
| Core capital (leverage) ratio | 8.1569% | 5,725 |
| Tier 1 risk-based capital ratio | 9.5717% | 6,034 |
| Total risk-based capital ratio | 10.4297% | 6,083 |
| Memoranda: | ||
| Average total assets | $173,996,800 | 3,246 |
| Average earning assets | $159,042,000 | 3,268 |
| Average equity | $14,010,400 | 3,973 |
| Average total loans | $155,110,200 | 2,526 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9535% | 139 |
| Cost of funding earning assets | 0.5552% | 1,760 |
| Net interest margin | 5.3983% | 145 |
| Noninterest income to average assets | 0.6124% | 2,678 |
| Noninterest expense to average assets | 3.8257% | 827 |
| Loan and lease loss provision to assets | 0.1890% | 1,079 |
| Net operating income to assets | 1.5262% | 884 |
| Return on assets (ROA) | 1.5262% | 919 |
| Pretax return on assets | 1.5262% | 1,609 |
| Return on Equity (ROE) | 18.8590% | 347 |
| Retained earnings to average equity (ytd only) | 10.7710% | 508 |
| Net charge-offs to loans | 0.0291% | 3,353 |
| Credit loss provision to net charge-offs | 733.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 66.5439% | 841 |
| Efficiency ratio | 69.0443% | 3,366 |
| Assets per employee ($millions) | 3.2888% | 5,142 |
| Cash dividends to net income (ytd only)* | 42.8865% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 5,533 |
| Loan loss allowance to noncurrent loans | 88.9753% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 1,702 |
| Noncurrent loans to loans | 0.8916% | 2,747 |
| Net loans and leases to total assets | 90.3256% | 55 |
| Net loans and leases to deposits | 101.5421% | 571 |
| Net loans and leases to core deposits | 125.8187% | 339 |
| Total domestic deposits to total assets | 88.9538% | 1,046 |
| Equity capital to assets | 8.2585% | 5,845 |
| Core capital (leverage) ratio | 8.3400% | 5,681 |
| Tier 1 risk-based capital ratio | 10.0419% | 6,032 |
| Total risk-based capital ratio | 10.9226% | 6,082 |
| Memoranda: | ||
| Average total assets | $170,701,750 | 3,318 |
| Average earning assets | $155,847,500 | 3,347 |
| Average equity | $13,814,500 | 4,055 |
| Average total loans | $151,213,750 | 2,592 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 138 |
| Cost of funding earning assets | 0.5503% | 1,808 |
| Net interest margin | 5.4114% | 139 |
| Noninterest income to average assets | 0.7162% | 2,148 |
| Noninterest expense to average assets | 3.9115% | 756 |
| Loan and lease loss provision to assets | 0.1888% | 1,060 |
| Net operating income to assets | 1.5469% | 831 |
| Return on assets (ROA) | 1.5469% | 864 |
| Pretax return on assets | 1.5469% | 1,498 |
| Return on Equity (ROE) | 19.2497% | 310 |
| Retained earnings to average equity (ytd only) | 11.3208% | 467 |
| Net charge-offs to loans | 0.0229% | 3,207 |
| Credit loss provision to net charge-offs | 941.1765% | 380 |
| Earnings coverage of net charge-offs (x) | 86.5294% | 663 |
| Efficiency ratio | 69.2645% | 3,450 |
| Assets per employee ($millions) | 3.2474% | 5,257 |
| Cash dividends to net income (ytd only)* | 41.1899% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 5,640 |
| Loan loss allowance to noncurrent loans | 61.7815% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.6092% | 1,496 |
| Noncurrent loans to loans | 1.2681% | 2,123 |
| Net loans and leases to total assets | 86.1578% | 235 |
| Net loans and leases to deposits | 95.0305% | 1,047 |
| Net loans and leases to core deposits | 118.4911% | 511 |
| Total domestic deposits to total assets | 90.6633% | 394 |
| Equity capital to assets | 8.0154% | 5,977 |
| Core capital (leverage) ratio | 8.2155% | 5,776 |
| Tier 1 risk-based capital ratio | 10.0548% | 6,073 |
| Total risk-based capital ratio | 10.9110% | 6,143 |
| Memoranda: | ||
| Average total assets | $169,500,670 | 3,357 |
| Average earning assets | $154,451,670 | 3,383 |
| Average equity | $13,621,000 | 4,107 |
| Average total loans | $148,718,000 | 2,637 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9446% | 136 |
| Cost of funding earning assets | 0.5514% | 1,830 |
| Net interest margin | 5.3932% | 139 |
| Noninterest income to average assets | 0.3674% | 4,273 |
| Noninterest expense to average assets | 4.0560% | 644 |
| Loan and lease loss provision to assets | 0.1897% | 990 |
| Net operating income to assets | 1.0542% | 2,017 |
| Return on assets (ROA) | 1.0542% | 2,154 |
| Pretax return on assets | 1.0542% | 3,287 |
| Return on Equity (ROE) | 13.1011% | 1,060 |
| Retained earnings to average equity (ytd only) | 7.1325% | 1,954 |
| Net charge-offs to loans | 0.0163% | 2,842 |
| Credit loss provision to net charge-offs | 1,316.6667% | 275 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 555 |
| Efficiency ratio | 76.5292% | 2,419 |
| Assets per employee ($millions) | 3.1380% | 5,496 |
| Cash dividends to net income (ytd only)* | 45.5581% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 5,798 |
| Loan loss allowance to noncurrent loans | 79.4201% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 1,925 |
| Noncurrent loans to loans | 0.9516% | 2,874 |
| Net loans and leases to total assets | 87.0271% | 139 |
| Net loans and leases to deposits | 95.7529% | 845 |
| Net loans and leases to core deposits | 116.8061% | 496 |
| Total domestic deposits to total assets | 90.8871% | 405 |
| Equity capital to assets | 7.9845% | 6,036 |
| Core capital (leverage) ratio | 7.9925% | 5,951 |
| Tier 1 risk-based capital ratio | 9.7968% | 6,215 |
| Total risk-based capital ratio | 10.6130% | 6,272 |
| Memoranda: | ||
| Average total assets | $166,570,000 | 3,418 |
| Average earning assets | $152,340,000 | 3,426 |
| Average equity | $13,403,500 | 4,169 |
| Average total loans | $146,936,500 | 2,662 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0959% | 137 |
| Cost of funding earning assets | 0.6022% | 1,741 |
| Net interest margin | 5.4937% | 136 |
| Noninterest income to average assets | 0.4885% | 3,597 |
| Noninterest expense to average assets | 3.9206% | 835 |
| Loan and lease loss provision to assets | 0.1797% | 1,429 |
| Net operating income to assets | 1.3756% | 1,130 |
| Return on assets (ROA) | 1.3794% | 1,157 |
| Pretax return on assets | 1.3794% | 1,955 |
| Return on Equity (ROE) | 17.7608% | 421 |
| Retained earnings to average equity (ytd only) | 10.6321% | 425 |
| Net charge-offs to loans | 0.0385% | 4,059 |
| Credit loss provision to net charge-offs | 556.8627% | 475 |
| Earnings coverage of net charge-offs (x) | 48.1961% | 953 |
| Efficiency ratio | 71.5969% | 3,279 |
| Assets per employee ($millions) | 3.0884% | 5,578 |
| Cash dividends to net income (ytd only)* | 40.1376% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 5,946 |
| Loan loss allowance to noncurrent loans | 42.9097% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 1,221 |
| Noncurrent loans to loans | 1.6843% | 1,736 |
| Net loans and leases to total assets | 88.1133% | 112 |
| Net loans and leases to deposits | 97.0298% | 830 |
| Net loans and leases to core deposits | 116.4855% | 513 |
| Total domestic deposits to total assets | 90.8105% | 426 |
| Equity capital to assets | 8.1112% | 6,003 |
| Core capital (leverage) ratio | 8.1493% | 5,890 |
| Tier 1 risk-based capital ratio | 9.7660% | 6,308 |
| Total risk-based capital ratio | 10.5406% | 6,359 |
| Memoranda: | ||
| Average total assets | $158,037,200 | 3,519 |
| Average earning assets | $143,472,800 | 3,548 |
| Average equity | $12,274,200 | 4,310 |
| Average total loans | $132,586,200 | 2,816 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7697% | 201 |
| Cost of funding earning assets | 0.6150% | 1,721 |
| Net interest margin | 5.1547% | 217 |
| Noninterest income to average assets | 0.5048% | 3,516 |
| Noninterest expense to average assets | 3.9201% | 823 |
| Loan and lease loss provision to assets | 0.2111% | 1,096 |
| Net operating income to assets | 1.0403% | 2,279 |
| Return on assets (ROA) | 1.0454% | 2,312 |
| Pretax return on assets | 1.0454% | 3,402 |
| Return on Equity (ROE) | 13.6174% | 1,070 |
| Retained earnings to average equity (ytd only) | 7.1747% | 1,727 |
| Net charge-offs to loans | 0.0392% | 3,718 |
| Credit loss provision to net charge-offs | 652.6316% | 454 |
| Earnings coverage of net charge-offs (x) | 38.6807% | 1,161 |
| Efficiency ratio | 75.8025% | 2,528 |
| Assets per employee ($millions) | 3.2307% | 5,371 |
| Cash dividends to net income (ytd only)* | 47.3129% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 5,882 |
| Loan loss allowance to noncurrent loans | 42.6495% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 2.0565% | 1,383 |
| Noncurrent loans to loans | 1.8673% | 1,712 |
| Net loans and leases to total assets | 79.1971% | 811 |
| Net loans and leases to deposits | 87.0166% | 1,788 |
| Net loans and leases to core deposits | 105.2523% | 1,004 |
| Total domestic deposits to total assets | 91.0137% | 358 |
| Equity capital to assets | 7.6770% | 6,258 |
| Core capital (leverage) ratio | 7.6729% | 6,224 |
| Tier 1 risk-based capital ratio | 10.2365% | 6,288 |
| Total risk-based capital ratio | 11.0866% | 6,349 |
| Memoranda: | ||
| Average total assets | $156,624,750 | 3,571 |
| Average earning assets | $141,794,750 | 3,600 |
| Average equity | $12,023,500 | 4,380 |
| Average total loans | $129,412,750 | 2,884 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8245% | 183 |
| Cost of funding earning assets | 0.6272% | 1,664 |
| Net interest margin | 5.1973% | 200 |
| Noninterest income to average assets | 0.5446% | 3,169 |
| Noninterest expense to average assets | 3.9526% | 801 |
| Loan and lease loss provision to assets | 0.3200% | 598 |
| Net operating income to assets | 0.9665% | 2,470 |
| Return on assets (ROA) | 0.9743% | 2,520 |
| Pretax return on assets | 0.9743% | 3,593 |
| Return on Equity (ROE) | 12.6916% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.1274% | 1,699 |
| Net charge-offs to loans | 0.0386% | 3,450 |
| Credit loss provision to net charge-offs | 992.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 39.8800% | 1,063 |
| Efficiency ratio | 75.4433% | 2,738 |
| Assets per employee ($millions) | 3.0590% | 5,675 |
| Cash dividends to net income (ytd only)* | 43.8411% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 5,956 |
| Loan loss allowance to noncurrent loans | 42.9397% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.0828% | 1,506 |
| Noncurrent loans to loans | 1.8823% | 1,822 |
| Net loans and leases to total assets | 80.2360% | 659 |
| Net loans and leases to deposits | 88.0431% | 1,594 |
| Net loans and leases to core deposits | 106.3070% | 880 |
| Total domestic deposits to total assets | 91.1327% | 369 |
| Equity capital to assets | 7.6427% | 6,310 |
| Core capital (leverage) ratio | 7.7783% | 6,220 |
| Tier 1 risk-based capital ratio | 10.1520% | 6,346 |
| Total risk-based capital ratio | 11.0215% | 6,435 |
| Memoranda: | ||
| Average total assets | $154,988,000 | 3,607 |
| Average earning assets | $139,995,670 | 3,647 |
| Average equity | $11,897,670 | 4,418 |
| Average total loans | $129,564,330 | 2,876 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9600% | 151 |
| Cost of funding earning assets | 0.6387% | 1,659 |
| Net interest margin | 5.3213% | 157 |
| Noninterest income to average assets | 0.4655% | 3,666 |
| Noninterest expense to average assets | 3.9935% | 764 |
| Loan and lease loss provision to assets | 0.2092% | 1,098 |
| Net operating income to assets | 1.0566% | 1,979 |
| Return on assets (ROA) | 1.0566% | 2,052 |
| Pretax return on assets | 1.0566% | 3,101 |
| Return on Equity (ROE) | 13.7322% | 994 |
| Retained earnings to average equity (ytd only) | 5.8804% | 2,607 |
| Net charge-offs to loans | 0.0585% | 2,576 |
| Credit loss provision to net charge-offs | 421.0526% | 631 |
| Earnings coverage of net charge-offs (x) | 25.4737% | 1,151 |
| Efficiency ratio | 75.9324% | 2,816 |
| Assets per employee ($millions) | 3.0868% | 5,712 |
| Cash dividends to net income (ytd only)* | 57.1782% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 6,320 |
| Loan loss allowance to noncurrent loans | 24.6629% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 2.8839% | 1,011 |
| Noncurrent loans to loans | 2.6953% | 1,251 |
| Net loans and leases to total assets | 85.0098% | 186 |
| Net loans and leases to deposits | 93.4282% | 839 |
| Net loans and leases to core deposits | 111.0570% | 547 |
| Total domestic deposits to total assets | 90.9894% | 572 |
| Equity capital to assets | 7.6972% | 6,233 |
| Core capital (leverage) ratio | 7.7465% | 6,248 |
| Tier 1 risk-based capital ratio | 9.7124% | 6,524 |
| Total risk-based capital ratio | 10.4295% | 6,574 |
| Memoranda: | ||
| Average total assets | $152,948,500 | 3,666 |
| Average earning assets | $137,786,000 | 3,701 |
| Average equity | $11,768,000 | 4,456 |
| Average total loans | $130,012,000 | 2,878 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7343% | 257 |
| Cost of funding earning assets | 0.6911% | 1,881 |
| Net interest margin | 5.0432% | 291 |
| Noninterest income to average assets | 0.5182% | 3,644 |
| Noninterest expense to average assets | 4.1544% | 729 |
| Loan and lease loss provision to assets | 0.2692% | 1,310 |
| Net operating income to assets | 0.6806% | 3,895 |
| Return on assets (ROA) | 0.6907% | 3,938 |
| Pretax return on assets | 0.6907% | 4,578 |
| Return on Equity (ROE) | 8.7101% | 2,696 |
| Retained earnings to average equity (ytd only) | 2.5593% | 4,427 |
| Net charge-offs to loans | 0.2373% | 2,555 |
| Credit loss provision to net charge-offs | 135.8362% | 1,728 |
| Earnings coverage of net charge-offs (x) | 4.7918% | 3,451 |
| Efficiency ratio | 81.3917% | 1,966 |
| Assets per employee ($millions) | 3.0930% | 5,684 |
| Cash dividends to net income (ytd only)* | 70.6170% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 6,431 |
| Loan loss allowance to noncurrent loans | 29.5159% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 1,418 |
| Noncurrent loans to loans | 2.1635% | 1,814 |
| Net loans and leases to total assets | 83.8792% | 265 |
| Net loans and leases to deposits | 92.7114% | 986 |
| Net loans and leases to core deposits | 111.5867% | 555 |
| Total domestic deposits to total assets | 90.4735% | 830 |
| Equity capital to assets | 7.6909% | 6,189 |
| Core capital (leverage) ratio | 7.7891% | 6,250 |
| Tier 1 risk-based capital ratio | 10.0246% | 6,511 |
| Total risk-based capital ratio | 10.7234% | 6,590 |
| Memoranda: | ||
| Average total assets | $147,819,400 | 3,742 |
| Average earning assets | $134,419,800 | 3,745 |
| Average equity | $11,722,000 | 4,504 |
| Average total loans | $123,451,000 | 2,974 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6727% | 287 |
| Cost of funding earning assets | 0.6933% | 1,995 |
| Net interest margin | 4.9794% | 332 |
| Noninterest income to average assets | 0.5474% | 3,481 |
| Noninterest expense to average assets | 3.9377% | 922 |
| Loan and lease loss provision to assets | 0.1779% | 2,045 |
| Net operating income to assets | 0.9694% | 2,505 |
| Return on assets (ROA) | 0.9831% | 2,554 |
| Pretax return on assets | 0.9831% | 3,573 |
| Return on Equity (ROE) | 12.3011% | 1,392 |
| Retained earnings to average equity (ytd only) | 5.2816% | 2,886 |
| Net charge-offs to loans | 0.2986% | 2,045 |
| Credit loss provision to net charge-offs | 71.5328% | 3,040 |
| Earnings coverage of net charge-offs (x) | 4.6132% | 3,399 |
| Efficiency ratio | 77.4366% | 2,490 |
| Assets per employee ($millions) | 2.9334% | 5,952 |
| Cash dividends to net income (ytd only)* | 57.0639% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5101% | 6,648 |
| Loan loss allowance to noncurrent loans | 19.5498% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.8054% | 1,329 |
| Noncurrent loans to loans | 2.6091% | 1,632 |
| Net loans and leases to total assets | 82.6613% | 317 |
| Net loans and leases to deposits | 91.2878% | 1,037 |
| Net loans and leases to core deposits | 110.2038% | 571 |
| Total domestic deposits to total assets | 90.5503% | 724 |
| Equity capital to assets | 7.9143% | 6,202 |
| Core capital (leverage) ratio | 7.8271% | 6,314 |
| Tier 1 risk-based capital ratio | 10.4659% | 6,466 |
| Total risk-based capital ratio | 11.0243% | 6,626 |
| Memoranda: | ||
| Average total assets | $146,885,250 | 3,797 |
| Average earning assets | $133,853,750 | 3,795 |
| Average equity | $11,738,500 | 4,551 |
| Average total loans | $122,328,500 | 3,014 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9884% | 186 |
| Cost of funding earning assets | 0.6822% | 2,209 |
| Net interest margin | 5.3062% | 184 |
| Noninterest income to average assets | 0.5412% | 3,559 |
| Noninterest expense to average assets | 3.9910% | 873 |
| Loan and lease loss provision to assets | 0.1329% | 2,661 |
| Net operating income to assets | 1.2550% | 1,443 |
| Return on assets (ROA) | 1.2755% | 1,479 |
| Pretax return on assets | 1.2755% | 2,384 |
| Return on Equity (ROE) | 15.9082% | 682 |
| Retained earnings to average equity (ytd only) | 8.1677% | 1,414 |
| Net charge-offs to loans | 0.1660% | 2,786 |
| Credit loss provision to net charge-offs | 96.0396% | 2,319 |
| Earnings coverage of net charge-offs (x) | 10.0297% | 2,202 |
| Efficiency ratio | 74.1977% | 3,088 |
| Assets per employee ($millions) | 3.0862% | 5,707 |
| Cash dividends to net income (ytd only)* | 48.6574% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5677% | 6,650 |
| Loan loss allowance to noncurrent loans | 202.2857% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 5,619 |
| Noncurrent loans to loans | 0.2807% | 5,601 |
| Net loans and leases to total assets | 80.3582% | 505 |
| Net loans and leases to deposits | 88.3783% | 1,296 |
| Net loans and leases to core deposits | 106.8754% | 698 |
| Total domestic deposits to total assets | 90.9254% | 572 |
| Equity capital to assets | 7.6898% | 6,371 |
| Core capital (leverage) ratio | 8.0256% | 6,170 |
| Tier 1 risk-based capital ratio | 10.4631% | 6,517 |
| Total risk-based capital ratio | 11.0858% | 6,651 |
| Memoranda: | ||
| Average total assets | $145,979,670 | 3,841 |
| Average earning assets | $133,090,670 | 3,842 |
| Average equity | $11,704,670 | 4,590 |
| Average total loans | $121,672,330 | 3,031 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0494% | 154 |
| Cost of funding earning assets | 0.6856% | 2,341 |
| Net interest margin | 5.3638% | 151 |
| Noninterest income to average assets | 0.4908% | 3,835 |
| Noninterest expense to average assets | 3.9911% | 895 |
| Loan and lease loss provision to assets | 0.1354% | 2,551 |
| Net operating income to assets | 1.2411% | 1,413 |
| Return on assets (ROA) | 1.2975% | 1,383 |
| Pretax return on assets | 1.2975% | 2,240 |
| Return on Equity (ROE) | 15.8293% | 634 |
| Retained earnings to average equity (ytd only) | 8.7061% | 1,488 |
| Net charge-offs to loans | 0.0100% | 3,951 |
| Credit loss provision to net charge-offs | 1,600.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 162.6667% | 249 |
| Efficiency ratio | 74.3563% | 3,201 |
| Assets per employee ($millions) | 2.9281% | 6,108 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 6,674 |
| Loan loss allowance to noncurrent loans | 38.9604% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4183% | 3,142 |
| Noncurrent loans to loans | 1.6059% | 3,136 |
| Net loans and leases to total assets | 83.7982% | 198 |
| Net loans and leases to deposits | 91.6172% | 836 |
| Net loans and leases to core deposits | 106.6842% | 620 |
| Total domestic deposits to total assets | 91.4656% | 361 |
| Equity capital to assets | 8.1810% | 6,266 |
| Core capital (leverage) ratio | 8.1367% | 6,006 |
| Tier 1 risk-based capital ratio | 10.4279% | 6,599 |
| Total risk-based capital ratio | 11.1043% | 6,699 |
| Memoranda: | ||
| Average total assets | $141,815,000 | 3,951 |
| Average earning assets | $128,937,500 | 3,965 |
| Average equity | $11,624,000 | 4,647 |
| Average total loans | $120,154,500 | 3,085 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4836% | 130 |
| Cost of funding earning assets | 0.7206% | 3,322 |
| Net interest margin | 5.7630% | 116 |
| Noninterest income to average assets | 0.5263% | 3,736 |
| Noninterest expense to average assets | 4.1699% | 805 |
| Loan and lease loss provision to assets | 0.0771% | 4,746 |
| Net operating income to assets | 1.5040% | 909 |
| Return on assets (ROA) | 1.5047% | 1,000 |
| Pretax return on assets | 1.5047% | 1,661 |
| Return on Equity (ROE) | 18.6090% | 389 |
| Retained earnings to average equity (ytd only) | 9.3771% | 727 |
| Net charge-offs to loans | 0.1481% | 4,212 |
| Credit loss provision to net charge-offs | 60.0000% | 4,443 |
| Earnings coverage of net charge-offs (x) | 12.3086% | 1,941 |
| Efficiency ratio | 72.5080% | 3,322 |
| Assets per employee ($millions) | 2.8030% | 6,312 |
| Cash dividends to net income (ytd only)* | 49.6098% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 6,763 |
| Loan loss allowance to noncurrent loans | 36.6821% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 1.4292% | 3,252 |
| Noncurrent loans to loans | 1.6267% | 3,187 |
| Net loans and leases to total assets | 84.6281% | 189 |
| Net loans and leases to deposits | 93.1764% | 815 |
| Net loans and leases to core deposits | 106.2720% | 680 |
| Total domestic deposits to total assets | 90.8257% | 551 |
| Equity capital to assets | 8.2125% | 6,273 |
| Core capital (leverage) ratio | 8.3013% | 5,884 |
| Tier 1 risk-based capital ratio | 10.3814% | 6,592 |
| Total risk-based capital ratio | 11.0288% | 6,727 |
| Memoranda: | ||
| Average total assets | $136,237,400 | 4,021 |
| Average earning assets | $123,511,400 | 4,032 |
| Average equity | $11,016,200 | 4,758 |
| Average total loans | $118,187,200 | 3,122 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5302% | 138 |
| Cost of funding earning assets | 0.7311% | 3,506 |
| Net interest margin | 5.7991% | 120 |
| Noninterest income to average assets | 0.4958% | 3,958 |
| Noninterest expense to average assets | 4.0622% | 866 |
| Loan and lease loss provision to assets | 0.0759% | 4,697 |
| Net operating income to assets | 1.6117% | 817 |
| Return on assets (ROA) | 1.6127% | 907 |
| Pretax return on assets | 1.6127% | 1,530 |
| Return on Equity (ROE) | 20.0251% | 327 |
| Retained earnings to average equity (ytd only) | 10.4165% | 807 |
| Net charge-offs to loans | 0.1074% | 4,313 |
| Credit loss provision to net charge-offs | 81.0526% | 3,589 |
| Earnings coverage of net charge-offs (x) | 18.0216% | 1,590 |
| Efficiency ratio | 70.6498% | 3,565 |
| Assets per employee ($millions) | 2.7822% | 6,379 |
| Cash dividends to net income (ytd only)* | 47.9828% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 6,819 |
| Loan loss allowance to noncurrent loans | 37.7098% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4861% | 3,368 |
| Noncurrent loans to loans | 1.6982% | 3,240 |
| Net loans and leases to total assets | 86.9527% | 118 |
| Net loans and leases to deposits | 96.2589% | 640 |
| Net loans and leases to core deposits | 110.9852% | 535 |
| Total domestic deposits to total assets | 90.3321% | 663 |
| Equity capital to assets | 8.3146% | 6,412 |
| Core capital (leverage) ratio | 8.1328% | 6,204 |
| Tier 1 risk-based capital ratio | 10.1045% | 6,773 |
| Total risk-based capital ratio | 10.7916% | 6,881 |
| Memoranda: | ||
| Average total assets | $135,258,750 | 4,075 |
| Average earning assets | $122,545,250 | 4,092 |
| Average equity | $10,892,750 | 4,831 |
| Average total loans | $117,904,000 | 3,165 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6277% | 126 |
| Cost of funding earning assets | 0.7413% | 3,677 |
| Net interest margin | 5.8863% | 102 |
| Noninterest income to average assets | 0.4670% | 4,154 |
| Noninterest expense to average assets | 4.0933% | 841 |
| Loan and lease loss provision to assets | 0.0712% | 4,737 |
| Net operating income to assets | 1.6353% | 778 |
| Return on assets (ROA) | 1.6353% | 863 |
| Pretax return on assets | 1.6353% | 1,434 |
| Return on Equity (ROE) | 20.5298% | 319 |
| Retained earnings to average equity (ytd only) | 11.9122% | 597 |
| Net charge-offs to loans | -0.0017% | 6,085 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5777% | 3,676 |
| Assets per employee ($millions) | 2.7489% | 6,477 |
| Cash dividends to net income (ytd only)* | 41.9764% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 6,828 |
| Loan loss allowance to noncurrent loans | 34.5100% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 3,064 |
| Noncurrent loans to loans | 2.0293% | 2,914 |
| Net loans and leases to total assets | 84.0498% | 211 |
| Net loans and leases to deposits | 92.3065% | 916 |
| Net loans and leases to core deposits | 105.8412% | 755 |
| Total domestic deposits to total assets | 91.0552% | 428 |
| Equity capital to assets | 7.9298% | 6,614 |
| Core capital (leverage) ratio | 8.0064% | 6,268 |
| Tier 1 risk-based capital ratio | 9.8540% | 6,860 |
| Total risk-based capital ratio | 10.5968% | 6,943 |
| Memoranda: | ||
| Average total assets | $134,902,670 | 4,099 |
| Average earning assets | $122,215,000 | 4,118 |
| Average equity | $10,745,330 | 4,869 |
| Average total loans | $117,437,330 | 3,191 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1193% | 82 |
| Cost of funding earning assets | 0.7658% | 3,739 |
| Net interest margin | 6.3535% | 75 |
| Noninterest income to average assets | 0.3629% | 4,973 |
| Noninterest expense to average assets | 4.6576% | 478 |
| Loan and lease loss provision to assets | 0.0605% | 4,657 |
| Net operating income to assets | 1.3912% | 1,238 |
| Return on assets (ROA) | 1.3912% | 1,385 |
| Pretax return on assets | 1.3912% | 2,217 |
| Return on Equity (ROE) | 17.4251% | 614 |
| Retained earnings to average equity (ytd only) | 7.6519% | 2,108 |
| Net charge-offs to loans | 0.0137% | 4,504 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 294 |
| Efficiency ratio | 76.2376% | 2,756 |
| Assets per employee ($millions) | 2.6492% | 6,696 |
| Cash dividends to net income (ytd only)* | 56.0870% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 6,902 |
| Loan loss allowance to noncurrent loans | 22.9442% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 2.7427% | 2,145 |
| Noncurrent loans to loans | 2.9512% | 2,187 |
| Net loans and leases to total assets | 88.3687% | 67 |
| Net loans and leases to deposits | 97.3066% | 470 |
| Net loans and leases to core deposits | 107.7329% | 619 |
| Total domestic deposits to total assets | 90.8147% | 635 |
| Equity capital to assets | 8.0537% | 6,485 |
| Core capital (leverage) ratio | 8.0315% | 6,229 |
| Tier 1 risk-based capital ratio | 9.7557% | 6,926 |
| Total risk-based capital ratio | 10.4920% | 7,002 |
| Memoranda: | ||
| Average total assets | $132,257,500 | 4,182 |
| Average earning assets | $119,619,000 | 4,208 |
| Average equity | $10,559,500 | 4,912 |
| Average total loans | $116,824,500 | 3,213 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2074% | 300 |
| Cost of funding earning assets | 0.9228% | 3,937 |
| Net interest margin | 5.2846% | 245 |
| Noninterest income to average assets | 0.7514% | 2,331 |
| Noninterest expense to average assets | 4.1768% | 835 |
| Loan and lease loss provision to assets | 0.2028% | 4,155 |
| Net operating income to assets | 1.1458% | 1,682 |
| Return on assets (ROA) | 1.1434% | 1,800 |
| Pretax return on assets | 1.1434% | 2,682 |
| Return on Equity (ROE) | 14.3925% | 844 |
| Retained earnings to average equity (ytd only) | 6.4827% | 1,745 |
| Net charge-offs to loans | 0.0980% | 5,365 |
| Credit loss provision to net charge-offs | 237.3832% | 1,027 |
| Earnings coverage of net charge-offs (x) | 15.7850% | 1,370 |
| Efficiency ratio | 75.5925% | 2,959 |
| Assets per employee ($millions) | 2.6411% | 6,670 |
| Cash dividends to net income (ytd only)* | 54.9581% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6753% | 6,938 |
| Loan loss allowance to noncurrent loans | 20.0873% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 3.1775% | 1,879 |
| Noncurrent loans to loans | 3.3619% | 1,928 |
| Net loans and leases to total assets | 87.0969% | 102 |
| Net loans and leases to deposits | 95.6577% | 692 |
| Net loans and leases to core deposits | 105.6046% | 809 |
| Total domestic deposits to total assets | 91.0506% | 487 |
| Equity capital to assets | 7.9142% | 6,622 |
| Core capital (leverage) ratio | 8.0036% | 6,262 |
| Tier 1 risk-based capital ratio | 9.6244% | 6,930 |
| Total risk-based capital ratio | 10.3491% | 7,022 |
| Memoranda: | ||
| Average total assets | $125,238,000 | 4,268 |
| Average earning assets | $113,139,600 | 4,307 |
| Average equity | $9,949,600 | 5,034 |
| Average total loans | $109,209,600 | 3,401 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1442% | 365 |
| Cost of funding earning assets | 0.9542% | 4,008 |
| Net interest margin | 5.1900% | 293 |
| Noninterest income to average assets | 0.7739% | 2,175 |
| Noninterest expense to average assets | 4.2924% | 721 |
| Loan and lease loss provision to assets | 0.2277% | 3,736 |
| Net operating income to assets | 0.9444% | 2,551 |
| Return on assets (ROA) | 0.9411% | 2,729 |
| Pretax return on assets | 0.9411% | 3,614 |
| Return on Equity (ROE) | 11.8344% | 1,587 |
| Retained earnings to average equity (ytd only) | 1.1536% | 5,553 |
| Net charge-offs to loans | 0.0682% | 5,280 |
| Credit loss provision to net charge-offs | 383.6364% | 738 |
| Earnings coverage of net charge-offs (x) | 19.7458% | 1,249 |
| Efficiency ratio | 78.5503% | 2,468 |
| Assets per employee ($millions) | 2.6139% | 6,765 |
| Cash dividends to net income (ytd only)* | 90.2524% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 6,972 |
| Loan loss allowance to noncurrent loans | 36.9109% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 1.9300% | 3,226 |
| Noncurrent loans to loans | 1.8782% | 3,533 |
| Net loans and leases to total assets | 88.4622% | 68 |
| Net loans and leases to deposits | 99.9189% | 476 |
| Net loans and leases to core deposits | 109.9472% | 677 |
| Total domestic deposits to total assets | 88.5340% | 1,735 |
| Equity capital to assets | 7.6864% | 6,848 |
| Core capital (leverage) ratio | 7.8806% | 6,503 |
| Tier 1 risk-based capital ratio | 9.3764% | 7,068 |
| Total risk-based capital ratio | 10.1339% | 7,125 |
| Memoranda: | ||
| Average total assets | $123,534,000 | 4,328 |
| Average earning assets | $111,646,750 | 4,370 |
| Average equity | $9,824,250 | 5,091 |
| Average total loans | $107,562,750 | 3,472 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3688% | 247 |
| Cost of funding earning assets | 0.9879% | 4,029 |
| Net interest margin | 5.3808% | 218 |
| Noninterest income to average assets | 0.9015% | 1,641 |
| Noninterest expense to average assets | 4.2420% | 795 |
| Loan and lease loss provision to assets | 0.2426% | 3,479 |
| Net operating income to assets | 1.2556% | 1,430 |
| Return on assets (ROA) | 1.2506% | 1,515 |
| Pretax return on assets | 1.2506% | 2,306 |
| Return on Equity (ROE) | 15.5439% | 713 |
| Retained earnings to average equity (ytd only) | 5.6431% | 2,623 |
| Net charge-offs to loans | 0.0493% | 5,164 |
| Credit loss provision to net charge-offs | 569.2308% | 543 |
| Earnings coverage of net charge-offs (x) | 35.1538% | 820 |
| Efficiency ratio | 73.9006% | 3,375 |
| Assets per employee ($millions) | 2.4353% | 6,988 |
| Cash dividends to net income (ytd only)* | 63.6959% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 7,023 |
| Loan loss allowance to noncurrent loans | 81.6613% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 4,772 |
| Noncurrent loans to loans | 0.8554% | 5,236 |
| Net loans and leases to total assets | 86.6476% | 118 |
| Net loans and leases to deposits | 97.2546% | 638 |
| Net loans and leases to core deposits | 106.3903% | 903 |
| Total domestic deposits to total assets | 89.0936% | 1,482 |
| Equity capital to assets | 8.0498% | 6,646 |
| Core capital (leverage) ratio | 8.2885% | 5,886 |
| Tier 1 risk-based capital ratio | 9.7939% | 7,033 |
| Total risk-based capital ratio | 10.5365% | 7,139 |
| Memoranda: | ||
| Average total assets | $122,017,670 | 4,390 |
| Average earning assets | $109,723,000 | 4,454 |
| Average equity | $9,817,330 | 5,096 |
| Average total loans | $105,385,000 | 3,555 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3702% | 253 |
| Cost of funding earning assets | 1.0261% | 4,017 |
| Net interest margin | 5.3440% | 210 |
| Noninterest income to average assets | 0.8600% | 1,813 |
| Noninterest expense to average assets | 4.1778% | 838 |
| Loan and lease loss provision to assets | 0.2845% | 2,872 |
| Net operating income to assets | 1.2040% | 1,510 |
| Return on assets (ROA) | 1.2040% | 1,558 |
| Pretax return on assets | 1.2040% | 2,354 |
| Return on Equity (ROE) | 14.9686% | 826 |
| Retained earnings to average equity (ytd only) | 2.3029% | 4,773 |
| Net charge-offs to loans | 0.0578% | 4,356 |
| Credit loss provision to net charge-offs | 573.3333% | 650 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 829 |
| Efficiency ratio | 73.7303% | 3,562 |
| Assets per employee ($millions) | 2.5892% | 6,862 |
| Cash dividends to net income (ytd only)* | 84.6154% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6755% | 7,105 |
| Loan loss allowance to noncurrent loans | 202.0000% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 5,846 |
| Noncurrent loans to loans | 0.3344% | 6,323 |
| Net loans and leases to total assets | 85.4249% | 160 |
| Net loans and leases to deposits | 94.0558% | 816 |
| Net loans and leases to core deposits | 101.5552% | 1,230 |
| Total domestic deposits to total assets | 90.8237% | 708 |
| Equity capital to assets | 8.0185% | 6,477 |
| Core capital (leverage) ratio | 8.0757% | 6,154 |
| Tier 1 risk-based capital ratio | 10.0681% | 6,983 |
| Total risk-based capital ratio | 10.7972% | 7,140 |
| Memoranda: | ||
| Average total assets | $120,925,500 | 4,450 |
| Average earning assets | $108,757,000 | 4,505 |
| Average equity | $9,727,000 | 5,116 |
| Average total loans | $103,890,000 | 3,626 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3082% | 455 |
| Cost of funding earning assets | 1.2972% | 3,904 |
| Net interest margin | 5.0110% | 421 |
| Noninterest income to average assets | 0.8460% | 2,076 |
| Noninterest expense to average assets | 3.9565% | 1,226 |
| Loan and lease loss provision to assets | 0.4234% | 3,574 |
| Net operating income to assets | 0.9578% | 2,175 |
| Return on assets (ROA) | 1.0018% | 2,137 |
| Pretax return on assets | 1.0018% | 2,927 |
| Return on Equity (ROE) | 12.5161% | 1,216 |
| Retained earnings to average equity (ytd only) | 7.6917% | 1,081 |
| Net charge-offs to loans | 0.5818% | 3,300 |
| Credit loss provision to net charge-offs | 86.2069% | 5,272 |
| Earnings coverage of net charge-offs (x) | 2.8121% | 3,673 |
| Efficiency ratio | 74.1234% | 3,375 |
| Assets per employee ($millions) | 2.5565% | 6,924 |
| Cash dividends to net income (ytd only)* | 38.5461% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 7,244 |
| Loan loss allowance to noncurrent loans | 163.2391% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 5,804 |
| Noncurrent loans to loans | 0.3772% | 6,292 |
| Net loans and leases to total assets | 85.2892% | 221 |
| Net loans and leases to deposits | 96.1694% | 857 |
| Net loans and leases to core deposits | 105.5504% | 1,219 |
| Total domestic deposits to total assets | 88.6865% | 1,834 |
| Equity capital to assets | 8.0694% | 6,417 |
| Core capital (leverage) ratio | 8.1850% | 5,851 |
| Tier 1 risk-based capital ratio | 10.3080% | 6,822 |
| Total risk-based capital ratio | 10.9811% | 7,073 |
| Memoranda: | ||
| Average total assets | $118,085,000 | 4,525 |
| Average earning assets | $105,846,200 | 4,568 |
| Average equity | $9,451,800 | 5,283 |
| Average total loans | $99,691,000 | 3,802 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2715% | 539 |
| Cost of funding earning assets | 1.3454% | 3,934 |
| Net interest margin | 4.9261% | 529 |
| Noninterest income to average assets | 0.8392% | 2,032 |
| Noninterest expense to average assets | 3.8547% | 1,271 |
| Loan and lease loss provision to assets | 0.2552% | 4,540 |
| Net operating income to assets | 1.1432% | 1,750 |
| Return on assets (ROA) | 1.1432% | 1,859 |
| Pretax return on assets | 1.1432% | 2,685 |
| Return on Equity (ROE) | 14.3116% | 969 |
| Retained earnings to average equity (ytd only) | 9.9954% | 797 |
| Net charge-offs to loans | 0.5180% | 3,224 |
| Credit loss provision to net charge-offs | 58.5938% | 5,733 |
| Earnings coverage of net charge-offs (x) | 3.2109% | 3,539 |
| Efficiency ratio | 73.3808% | 3,441 |
| Assets per employee ($millions) | 2.5315% | 7,044 |
| Cash dividends to net income (ytd only)* | 30.1584% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5657% | 7,392 |
| Loan loss allowance to noncurrent loans | 45.8368% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2074% | 4,732 |
| Noncurrent loans to loans | 1.2341% | 4,786 |
| Net loans and leases to total assets | 83.9277% | 334 |
| Net loans and leases to deposits | 95.3223% | 1,062 |
| Net loans and leases to core deposits | 103.4431% | 1,532 |
| Total domestic deposits to total assets | 88.0463% | 1,930 |
| Equity capital to assets | 8.3891% | 6,407 |
| Core capital (leverage) ratio | 8.3962% | 5,704 |
| Tier 1 risk-based capital ratio | 10.5882% | 6,720 |
| Total risk-based capital ratio | 11.1952% | 7,082 |
| Memoranda: | ||
| Average total assets | $117,567,000 | 4,596 |
| Average earning assets | $105,341,000 | 4,632 |
| Average equity | $9,390,750 | 5,382 |
| Average total loans | $98,834,750 | 3,897 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2316% | 589 |
| Cost of funding earning assets | 1.3825% | 3,992 |
| Net interest margin | 4.8491% | 601 |
| Noninterest income to average assets | 0.7156% | 2,617 |
| Noninterest expense to average assets | 3.7409% | 1,473 |
| Loan and lease loss provision to assets | 0.2340% | 4,575 |
| Net operating income to assets | 1.1006% | 1,856 |
| Return on assets (ROA) | 1.1006% | 1,927 |
| Pretax return on assets | 1.1006% | 2,784 |
| Return on Equity (ROE) | 14.0102% | 1,038 |
| Retained earnings to average equity (ytd only) | 11.0527% | 646 |
| Net charge-offs to loans | 0.4524% | 3,177 |
| Credit loss provision to net charge-offs | 61.6071% | 5,178 |
| Earnings coverage of net charge-offs (x) | 3.5134% | 3,296 |
| Efficiency ratio | 73.7053% | 3,529 |
| Assets per employee ($millions) | 2.5259% | 7,069 |
| Cash dividends to net income (ytd only)* | 21.1094% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 7,358 |
| Loan loss allowance to noncurrent loans | 47.6154% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.3116% | 4,523 |
| Noncurrent loans to loans | 1.3434% | 4,700 |
| Net loans and leases to total assets | 84.0917% | 345 |
| Net loans and leases to deposits | 95.2013% | 1,126 |
| Net loans and leases to core deposits | 102.5483% | 1,777 |
| Total domestic deposits to total assets | 88.3304% | 1,814 |
| Equity capital to assets | 8.2382% | 6,496 |
| Core capital (leverage) ratio | 8.1934% | 5,950 |
| Tier 1 risk-based capital ratio | 10.4170% | 6,749 |
| Total risk-based capital ratio | 11.1054% | 7,082 |
| Memoranda: | ||
| Average total assets | $117,939,670 | 4,619 |
| Average earning assets | $106,040,000 | 4,643 |
| Average equity | $9,264,670 | 5,428 |
| Average total loans | $99,016,670 | 3,928 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1807% | 667 |
| Cost of funding earning assets | 1.4384% | 3,941 |
| Net interest margin | 4.7423% | 716 |
| Noninterest income to average assets | 0.5488% | 3,658 |
| Noninterest expense to average assets | 3.6460% | 1,624 |
| Loan and lease loss provision to assets | 0.2626% | 3,938 |
| Net operating income to assets | 0.9023% | 2,534 |
| Return on assets (ROA) | 0.9023% | 2,607 |
| Pretax return on assets | 0.9023% | 3,463 |
| Return on Equity (ROE) | 11.7660% | 1,560 |
| Retained earnings to average equity (ytd only) | 10.5367% | 1,028 |
| Net charge-offs to loans | 0.7730% | 1,966 |
| Credit loss provision to net charge-offs | 40.6250% | 4,629 |
| Earnings coverage of net charge-offs (x) | 1.8021% | 3,658 |
| Efficiency ratio | 75.7873% | 3,254 |
| Assets per employee ($millions) | 2.6011% | 7,035 |
| Cash dividends to net income (ytd only)* | 10.4478% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 7,487 |
| Loan loss allowance to noncurrent loans | 41.7361% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 4,168 |
| Noncurrent loans to loans | 1.4583% | 4,557 |
| Net loans and leases to total assets | 83.8485% | 389 |
| Net loans and leases to deposits | 94.5164% | 1,291 |
| Net loans and leases to core deposits | 103.1803% | 1,808 |
| Total domestic deposits to total assets | 88.7132% | 1,667 |
| Equity capital to assets | 7.8976% | 6,760 |
| Core capital (leverage) ratio | 7.7523% | 6,566 |
| Tier 1 risk-based capital ratio | 10.0224% | 7,017 |
| Total risk-based capital ratio | 10.6754% | 7,338 |
| Memoranda: | ||
| Average total assets | $118,814,000 | 4,663 |
| Average earning assets | $106,783,500 | 4,678 |
| Average equity | $9,111,000 | 5,513 |
| Average total loans | $99,357,000 | 3,978 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4403% | 754 |
| Cost of funding earning assets | 1.8780% | 3,574 |
| Net interest margin | 4.5623% | 1,052 |
| Noninterest income to average assets | 0.8058% | 2,379 |
| Noninterest expense to average assets | 4.4741% | 813 |
| Loan and lease loss provision to assets | 0.5998% | 3,397 |
| Net operating income to assets | -0.1783% | 5,820 |
| Return on assets (ROA) | 0.0182% | 5,480 |
| Pretax return on assets | 0.0182% | 5,397 |
| Return on Equity (ROE) | 0.2392% | 5,459 |
| Retained earnings to average equity (ytd only) | -5.1483% | 6,042 |
| Net charge-offs to loans | 0.7041% | 3,076 |
| Credit loss provision to net charge-offs | 103.2787% | 5,344 |
| Earnings coverage of net charge-offs (x) | 0.7258% | 5,373 |
| Efficiency ratio | 91.3897% | 1,611 |
| Assets per employee ($millions) | 2.6213% | 7,001 |
| Cash dividends to net income (ytd only)* | 2,252.3810% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 7,343 |
| Loan loss allowance to noncurrent loans | 26.2482% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 2.4357% | 2,857 |
| Noncurrent loans to loans | 2.7248% | 2,835 |
| Net loans and leases to total assets | 82.3146% | 640 |
| Net loans and leases to deposits | 92.2804% | 1,854 |
| Net loans and leases to core deposits | 118.1284% | 2,116 |
| Total domestic deposits to total assets | 89.2005% | 1,388 |
| Equity capital to assets | 7.4457% | 7,083 |
| Core capital (leverage) ratio | 7.6942% | 6,561 |
| Tier 1 risk-based capital ratio | 9.3665% | 7,293 |
| Total risk-based capital ratio | 10.1128% | 7,542 |
| Memoranda: | ||
| Average total assets | $115,532,000 | 4,689 |
| Average earning assets | $103,566,200 | 4,737 |
| Average equity | $8,779,600 | 5,670 |
| Average total loans | $95,304,000 | 4,079 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3929% | 938 |
| Cost of funding earning assets | 1.9445% | 3,641 |
| Net interest margin | 4.4484% | 1,320 |
| Noninterest income to average assets | 0.8156% | 2,356 |
| Noninterest expense to average assets | 4.4782% | 761 |
| Loan and lease loss provision to assets | 0.6499% | 2,806 |
| Net operating income to assets | -0.3220% | 6,229 |
| Return on assets (ROA) | -0.1762% | 6,035 |
| Pretax return on assets | -0.1762% | 5,941 |
| Return on Equity (ROE) | -2.3062% | 6,137 |
| Retained earnings to average equity (ytd only) | -9.5301% | 6,762 |
| Net charge-offs to loans | 0.9192% | 2,132 |
| Credit loss provision to net charge-offs | 85.8243% | 5,597 |
| Earnings coverage of net charge-offs (x) | 0.4330% | 5,598 |
| Efficiency ratio | 93.1780% | 1,458 |
| Assets per employee ($millions) | 2.4300% | 7,336 |
| Cash dividends to net income (ytd only)* | -313.2419% | 8,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 7,502 |
| Loan loss allowance to noncurrent loans | 16.9630% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 3.2887% | 2,056 |
| Noncurrent loans to loans | 3.7935% | 1,960 |
| Net loans and leases to total assets | 81.2495% | 941 |
| Net loans and leases to deposits | 91.6313% | 2,300 |
| Net loans and leases to core deposits | 120.1168% | 2,232 |
| Total domestic deposits to total assets | 88.6700% | 1,353 |
| Equity capital to assets | 7.7261% | 7,127 |
| Core capital (leverage) ratio | 7.6639% | 6,779 |
| Tier 1 risk-based capital ratio | 9.7688% | 7,164 |
| Total risk-based capital ratio | 10.4384% | 7,543 |
| Memoranda: | ||
| Average total assets | $114,270,000 | 4,738 |
| Average earning assets | $102,506,750 | 4,804 |
| Average equity | $8,730,000 | 5,743 |
| Average total loans | $94,137,500 | 4,144 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3859% | 1,037 |
| Cost of funding earning assets | 1.9939% | 3,809 |
| Net interest margin | 4.3920% | 1,425 |
| Noninterest income to average assets | 0.7980% | 2,423 |
| Noninterest expense to average assets | 4.4326% | 832 |
| Loan and lease loss provision to assets | 0.4270% | 3,412 |
| Net operating income to assets | -0.1260% | 6,058 |
| Return on assets (ROA) | 0.0927% | 5,685 |
| Pretax return on assets | 0.0927% | 5,694 |
| Return on Equity (ROE) | 1.2186% | 5,565 |
| Retained earnings to average equity (ytd only) | -8.8519% | 6,759 |
| Net charge-offs to loans | 0.6336% | 2,452 |
| Credit loss provision to net charge-offs | 81.6054% | 5,150 |
| Earnings coverage of net charge-offs (x) | 0.5753% | 5,135 |
| Efficiency ratio | 93.6414% | 1,524 |
| Assets per employee ($millions) | 2.3389% | 7,502 |
| Cash dividends to net income (ytd only)* | 826.4151% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 7,466 |
| Loan loss allowance to noncurrent loans | 22.3233% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 2.7407% | 2,344 |
| Noncurrent loans to loans | 3.0427% | 2,366 |
| Net loans and leases to total assets | 81.4047% | 1,070 |
| Net loans and leases to deposits | 91.9215% | 2,481 |
| Net loans and leases to core deposits | 118.4658% | 2,503 |
| Total domestic deposits to total assets | 88.5589% | 1,502 |
| Equity capital to assets | 7.8453% | 6,921 |
| Core capital (leverage) ratio | 7.8719% | 6,529 |
| Tier 1 risk-based capital ratio | 9.7063% | 7,227 |
| Total risk-based capital ratio | 10.3939% | 7,629 |
| Memoranda: | ||
| Average total assets | $114,290,000 | 4,766 |
| Average earning assets | $102,413,670 | 4,827 |
| Average equity | $8,698,670 | 5,777 |
| Average total loans | $94,384,670 | 4,159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5613% | 769 |
| Cost of funding earning assets | 2.0302% | 3,987 |
| Net interest margin | 4.5311% | 1,065 |
| Noninterest income to average assets | 0.8236% | 2,209 |
| Noninterest expense to average assets | 4.5351% | 688 |
| Loan and lease loss provision to assets | 0.1192% | 5,438 |
| Net operating income to assets | 0.2523% | 5,477 |
| Return on assets (ROA) | 0.2523% | 5,642 |
| Pretax return on assets | 0.2523% | 5,814 |
| Return on Equity (ROE) | 3.3674% | 5,224 |
| Retained earnings to average equity (ytd only) | -3.7884% | 6,398 |
| Net charge-offs to loans | 0.4101% | 2,463 |
| Credit loss provision to net charge-offs | 35.0515% | 4,884 |
| Earnings coverage of net charge-offs (x) | 1.0928% | 4,210 |
| Efficiency ratio | 92.4286% | 1,540 |
| Assets per employee ($millions) | 2.4093% | 7,444 |
| Cash dividends to net income (ytd only)* | 212.5000% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 7,538 |
| Loan loss allowance to noncurrent loans | 25.9687% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 2.4410% | 2,347 |
| Noncurrent loans to loans | 2.5555% | 2,580 |
| Net loans and leases to total assets | 81.5440% | 1,094 |
| Net loans and leases to deposits | 91.5564% | 2,679 |
| Net loans and leases to core deposits | 120.6057% | 2,362 |
| Total domestic deposits to total assets | 89.0642% | 1,199 |
| Equity capital to assets | 7.3810% | 7,434 |
| Core capital (leverage) ratio | 7.2550% | 7,420 |
| Tier 1 risk-based capital ratio | 9.0467% | 7,766 |
| Total risk-based capital ratio | 9.7318% | 7,985 |
| Memoranda: | ||
| Average total assets | $114,133,000 | 4,798 |
| Average earning assets | $102,845,000 | 4,835 |
| Average equity | $8,552,500 | 5,865 |
| Average total loans | $94,611,500 | 4,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5229% | 398 |
| Cost of funding earning assets | 2.9308% | 2,141 |
| Net interest margin | 4.5921% | 1,205 |
| Noninterest income to average assets | 0.9391% | 1,820 |
| Noninterest expense to average assets | 4.1039% | 1,274 |
| Loan and lease loss provision to assets | 0.5826% | 2,493 |
| Net operating income to assets | 0.3468% | 5,368 |
| Return on assets (ROA) | 0.3468% | 5,184 |
| Pretax return on assets | 0.3468% | 5,403 |
| Return on Equity (ROE) | 4.6801% | 4,523 |
| Retained earnings to average equity (ytd only) | -4.6564% | 6,450 |
| Net charge-offs to loans | 0.8877% | 1,396 |
| Credit loss provision to net charge-offs | 79.0920% | 5,919 |
| Earnings coverage of net charge-offs (x) | 1.2616% | 5,499 |
| Efficiency ratio | 81.5352% | 2,369 |
| Assets per employee ($millions) | 2.3961% | 7,403 |
| Cash dividends to net income (ytd only)* | 199.4924% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7350% | 7,343 |
| Loan loss allowance to noncurrent loans | 39.3750% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 1.9997% | 2,466 |
| Noncurrent loans to loans | 1.8666% | 2,960 |
| Net loans and leases to total assets | 83.1093% | 1,029 |
| Net loans and leases to deposits | 93.8456% | 2,795 |
| Net loans and leases to core deposits | 117.0330% | 3,004 |
| Total domestic deposits to total assets | 88.5596% | 1,224 |
| Equity capital to assets | 7.6089% | 7,295 |
| Core capital (leverage) ratio | 7.4315% | 7,280 |
| Tier 1 risk-based capital ratio | 9.2678% | 7,555 |
| Total risk-based capital ratio | 10.0324% | 7,984 |
| Memoranda: | ||
| Average total assets | $113,624,000 | 4,676 |
| Average earning assets | $101,304,200 | 4,769 |
| Average equity | $8,418,600 | 5,936 |
| Average total loans | $94,288,000 | 4,098 |