Home > CedarStone Bank > Performance and Condition Ratios
CedarStone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 2,337 |
| Cost of funding earning assets | 1.7288% | 1,392 |
| Net interest margin | 3.1450% | 2,988 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.3995% | 2,596 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0856% | 1,959 |
| Return on assets (ROA) | 1.0856% | 1,933 |
| Pretax return on assets | 1.2047% | 2,124 |
| Return on Equity (ROE) | 11.4400% | 2,115 |
| Retained earnings to average equity (ytd only) | 8.5566% | 1,378 |
| Net charge-offs to loans | -0.0061% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.4215% | 2,426 |
| Assets per employee ($millions) | 8.5047% | 1,182 |
| Cash dividends to net income (ytd only)* | 25.1780% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6057% | 4,233 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.7300% | 1,838 |
| Net loans and leases to deposits | 86.4854% | 1,584 |
| Net loans and leases to core deposits | 104.2134% | 1,209 |
| Total domestic deposits to total assets | 80.6300% | 3,366 |
| Equity capital to assets | 9.3720% | 2,438 |
| Core capital (leverage) ratio | 9.8630% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1184% | 1,828 |
| Memoranda: | ||
| Average total assets | $284,645,000 | 2,498 |
| Average earning assets | $262,384,200 | 2,509 |
| Average equity | $27,020,000 | 2,408 |
| Average total loans | $195,380,600 | 2,314 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 2,269 |
| Cost of funding earning assets | 1.5848% | 1,402 |
| Net interest margin | 3.2121% | 2,891 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.3872% | 2,551 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.3149% | 1,516 |
| Return on assets (ROA) | 1.3149% | 1,498 |
| Pretax return on assets | 1.4418% | 1,688 |
| Return on Equity (ROE) | 13.8000% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.9040% | 1,430 |
| Net charge-offs to loans | -0.0126% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.5157% | 2,780 |
| Assets per employee ($millions) | 8.7519% | 1,022 |
| Cash dividends to net income (ytd only)* | 28.2498% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6052% | 4,259 |
| Loan loss allowance to noncurrent loans | 3,525.7143% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,729 |
| Noncurrent loans to loans | 0.0172% | 3,658 |
| Net loans and leases to total assets | 70.1700% | 1,807 |
| Net loans and leases to deposits | 87.9335% | 1,393 |
| Net loans and leases to core deposits | 97.8286% | 1,452 |
| Total domestic deposits to total assets | 79.7900% | 3,560 |
| Equity capital to assets | 8.9203% | 2,466 |
| Core capital (leverage) ratio | 10.1807% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2922% | 1,795 |
| Memoranda: | ||
| Average total assets | $279,264,250 | 2,532 |
| Average earning assets | $256,856,000 | 2,541 |
| Average equity | $26,601,500 | 2,415 |
| Average total loans | $190,524,500 | 2,358 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 2,245 |
| Cost of funding earning assets | 1.4216% | 1,388 |
| Net interest margin | 3.2613% | 2,840 |
| Noninterest income to average assets | 1.2300% | 425 |
| Noninterest expense to average assets | 2.3899% | 2,525 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.6727% | 827 |
| Return on assets (ROA) | 1.6727% | 831 |
| Pretax return on assets | 1.7980% | 1,011 |
| Return on Equity (ROE) | 17.1800% | 1,067 |
| Retained earnings to average equity (ytd only) | 11.3909% | 1,104 |
| Net charge-offs to loans | -0.0150% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.4704% | 3,362 |
| Assets per employee ($millions) | 8.2948% | 1,191 |
| Cash dividends to net income (ytd only)* | 33.6942% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 4,294 |
| Loan loss allowance to noncurrent loans | 6,958.8235% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,801 |
| Noncurrent loans to loans | 0.0087% | 3,729 |
| Net loans and leases to total assets | 68.6400% | 1,891 |
| Net loans and leases to deposits | 86.5479% | 1,455 |
| Net loans and leases to core deposits | 95.9112% | 1,474 |
| Total domestic deposits to total assets | 79.3100% | 3,678 |
| Equity capital to assets | 9.6442% | 2,068 |
| Core capital (leverage) ratio | 10.3033% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6817% | 1,658 |
| Memoranda: | ||
| Average total assets | $276,081,667 | 2,550 |
| Average earning assets | $253,945,000 | 2,561 |
| Average equity | $26,881,000 | 2,417 |
| Average total loans | $186,071,667 | 2,382 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 2,137 |
| Cost of funding earning assets | 1.2567% | 1,328 |
| Net interest margin | 3.3187% | 2,835 |
| Noninterest income to average assets | 2.1100% | 218 |
| Noninterest expense to average assets | 2.4269% | 2,449 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.5909% | 220 |
| Return on assets (ROA) | 2.5909% | 216 |
| Pretax return on assets | 2.7022% | 286 |
| Return on Equity (ROE) | 26.4800% | 339 |
| Retained earnings to average equity (ytd only) | 23.4863% | 223 |
| Net charge-offs to loans | -0.0242% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0605% | 4,154 |
| Assets per employee ($millions) | 8.1462% | 1,267 |
| Cash dividends to net income (ytd only)* | 11.3058% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6149% | 4,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,351 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.4100% | 2,015 |
| Net loans and leases to deposits | 82.9649% | 1,579 |
| Net loans and leases to core deposits | 90.8381% | 1,573 |
| Total domestic deposits to total assets | 80.0400% | 3,758 |
| Equity capital to assets | 10.0025% | 1,822 |
| Core capital (leverage) ratio | 10.5731% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4165% | 1,516 |
| Memoranda: | ||
| Average total assets | $273,111,000 | 2,598 |
| Average earning assets | $250,820,500 | 2,616 |
| Average equity | $26,722,000 | 2,448 |
| Average total loans | $181,720,000 | 2,440 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 2,005 |
| Cost of funding earning assets | 0.4658% | 1,607 |
| Net interest margin | 3.4261% | 2,163 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.3590% | 2,551 |
| Loan and lease loss provision to assets | -0.3800% | 4,683 |
| Net operating income to assets | 1.2875% | 1,480 |
| Return on assets (ROA) | 0.9817% | 2,585 |
| Pretax return on assets | 1.1498% | 2,606 |
| Return on Equity (ROE) | 10.3800% | 2,684 |
| Retained earnings to average equity (ytd only) | 7.5703% | 1,998 |
| Net charge-offs to loans | 0.0693% | 953 |
| Credit loss provision to net charge-offs | -847.0588% | 4,658 |
| Earnings coverage of net charge-offs (x) | 25.4874% | 1,768 |
| Efficiency ratio | 67.5546% | 2,015 |
| Assets per employee ($millions) | 7.6929% | 1,492 |
| Cash dividends to net income (ytd only)* | 27.0548% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 4,377 |
| Loan loss allowance to noncurrent loans | 473.1132% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 2,665 |
| Noncurrent loans to loans | 0.1189% | 2,929 |
| Net loans and leases to total assets | 65.8800% | 2,056 |
| Net loans and leases to deposits | 80.6825% | 1,724 |
| Net loans and leases to core deposits | 87.7778% | 1,622 |
| Total domestic deposits to total assets | 81.6500% | 3,672 |
| Equity capital to assets | 9.5598% | 1,964 |
| Core capital (leverage) ratio | 10.2308% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9022% | 1,654 |
| Memoranda: | ||
| Average total assets | $267,695,600 | 2,622 |
| Average earning assets | $245,174,000 | 2,641 |
| Average equity | $25,322,800 | 2,564 |
| Average total loans | $171,782,000 | 2,441 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 1,976 |
| Cost of funding earning assets | 0.3437% | 1,756 |
| Net interest margin | 3.3762% | 2,052 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.2760% | 2,699 |
| Loan and lease loss provision to assets | -0.5000% | 4,732 |
| Net operating income to assets | 1.4271% | 1,014 |
| Return on assets (ROA) | 0.9866% | 2,499 |
| Pretax return on assets | 1.1562% | 2,540 |
| Return on Equity (ROE) | 10.4600% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.6986% | 2,478 |
| Net charge-offs to loans | 0.0517% | 967 |
| Credit loss provision to net charge-offs | -1,527.2727% | 4,733 |
| Earnings coverage of net charge-offs (x) | 35.5909% | 1,438 |
| Efficiency ratio | 66.0156% | 2,278 |
| Assets per employee ($millions) | 8.8812% | 936 |
| Cash dividends to net income (ytd only)* | 35.9454% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 4,377 |
| Loan loss allowance to noncurrent loans | 174.8344% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 1,862 |
| Noncurrent loans to loans | 0.3458% | 1,988 |
| Net loans and leases to total assets | 65.1500% | 1,971 |
| Net loans and leases to deposits | 78.3596% | 1,681 |
| Net loans and leases to core deposits | 84.1584% | 1,639 |
| Total domestic deposits to total assets | 83.1500% | 3,659 |
| Equity capital to assets | 9.0618% | 2,168 |
| Core capital (leverage) ratio | 10.0779% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9324% | 1,729 |
| Memoranda: | ||
| Average total assets | $267,306,500 | 2,642 |
| Average earning assets | $244,765,750 | 2,662 |
| Average equity | $25,218,500 | 2,613 |
| Average total loans | $170,134,250 | 2,456 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 1,877 |
| Cost of funding earning assets | 0.3104% | 1,620 |
| Net interest margin | 3.2791% | 1,969 |
| Noninterest income to average assets | 0.3393% | 3,122 |
| Noninterest expense to average assets | 2.2639% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8498% | 2,780 |
| Return on assets (ROA) | 0.8498% | 2,757 |
| Pretax return on assets | 1.0837% | 2,466 |
| Return on Equity (ROE) | 8.8909% | 2,732 |
| Retained earnings to average equity (ytd only) | 4.8951% | 2,742 |
| Net charge-offs to loans | 0.0795% | 675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.6418% | 1,520 |
| Efficiency ratio | 67.6267% | 2,292 |
| Assets per employee ($millions) | 8.5934% | 1,033 |
| Cash dividends to net income (ytd only)* | 44.9428% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,648 |
| Loan loss allowance to noncurrent loans | 938.1818% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,813 |
| Noncurrent loans to loans | 0.1287% | 3,076 |
| Net loans and leases to total assets | 63.3842% | 1,977 |
| Net loans and leases to deposits | 76.3633% | 1,660 |
| Net loans and leases to core deposits | 81.5806% | 1,619 |
| Total domestic deposits to total assets | 83.0035% | 3,874 |
| Equity capital to assets | 9.2167% | 2,220 |
| Core capital (leverage) ratio | 9.7870% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7922% | 1,486 |
| Memoranda: | ||
| Average total assets | $267,596,333 | 2,667 |
| Average earning assets | $245,492,667 | 2,695 |
| Average equity | $25,576,667 | 2,646 |
| Average total loans | $168,628,000 | 2,476 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 1,782 |
| Cost of funding earning assets | 0.3282% | 1,395 |
| Net interest margin | 3.1809% | 1,939 |
| Noninterest income to average assets | 0.3057% | 3,278 |
| Noninterest expense to average assets | 2.2148% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7920% | 2,687 |
| Return on assets (ROA) | 0.7920% | 2,684 |
| Pretax return on assets | 1.0112% | 2,400 |
| Return on Equity (ROE) | 8.1415% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.1415% | 1,534 |
| Net charge-offs to loans | 0.0096% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 484 |
| Efficiency ratio | 68.6546% | 2,424 |
| Assets per employee ($millions) | 8.4801% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,558 |
| Loan loss allowance to noncurrent loans | 3,270.7692% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,377 |
| Noncurrent loans to loans | 0.0385% | 3,700 |
| Net loans and leases to total assets | 61.4752% | 1,917 |
| Net loans and leases to deposits | 74.1048% | 1,602 |
| Net loans and leases to core deposits | 79.2612% | 1,534 |
| Total domestic deposits to total assets | 82.9571% | 3,944 |
| Equity capital to assets | 9.4409% | 2,331 |
| Core capital (leverage) ratio | 9.6982% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7651% | 1,568 |
| Memoranda: | ||
| Average total assets | $268,196,500 | 2,673 |
| Average earning assets | $246,219,500 | 2,701 |
| Average equity | $26,088,500 | 2,711 |
| Average total loans | $167,483,500 | 2,482 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 1,376 |
| Cost of funding earning assets | 0.4587% | 1,141 |
| Net interest margin | 3.5327% | 1,644 |
| Noninterest income to average assets | 0.4135% | 2,980 |
| Noninterest expense to average assets | 2.3126% | 2,757 |
| Loan and lease loss provision to assets | 0.1691% | 688 |
| Net operating income to assets | 0.9130% | 2,993 |
| Return on assets (ROA) | 0.9130% | 3,058 |
| Pretax return on assets | 1.1675% | 2,772 |
| Return on Equity (ROE) | 9.2685% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.5130% | 1,717 |
| Net charge-offs to loans | 0.0102% | 2,173 |
| Credit loss provision to net charge-offs | 2,570.5882% | 259 |
| Earnings coverage of net charge-offs (x) | 203.2353% | 539 |
| Efficiency ratio | 63.3733% | 2,661 |
| Assets per employee ($millions) | 8.0312% | 1,312 |
| Cash dividends to net income (ytd only)* | 18.9407% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,442 |
| Loan loss allowance to noncurrent loans | 13,312.5000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,623 |
| Noncurrent loans to loans | 0.0096% | 4,027 |
| Net loans and leases to total assets | 61.8383% | 1,960 |
| Net loans and leases to deposits | 75.2510% | 1,624 |
| Net loans and leases to core deposits | 81.7900% | 1,476 |
| Total domestic deposits to total assets | 82.1760% | 3,936 |
| Equity capital to assets | 10.0208% | 2,637 |
| Core capital (leverage) ratio | 9.7304% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8115% | 1,577 |
| Memoranda: | ||
| Average total assets | $258,494,200 | 2,672 |
| Average earning assets | $236,757,200 | 2,701 |
| Average equity | $25,462,600 | 2,815 |
| Average total loans | $166,833,000 | 2,493 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 1,195 |
| Cost of funding earning assets | 0.4936% | 1,078 |
| Net interest margin | 3.6517% | 1,458 |
| Noninterest income to average assets | 0.4179% | 2,996 |
| Noninterest expense to average assets | 2.3270% | 2,665 |
| Loan and lease loss provision to assets | 0.2270% | 425 |
| Net operating income to assets | 0.8964% | 3,259 |
| Return on assets (ROA) | 0.8964% | 3,333 |
| Pretax return on assets | 1.2048% | 2,910 |
| Return on Equity (ROE) | 9.1414% | 3,065 |
| Retained earnings to average equity (ytd only) | 6.7753% | 2,504 |
| Net charge-offs to loans | 0.0168% | 1,726 |
| Credit loss provision to net charge-offs | 2,080.9524% | 318 |
| Earnings coverage of net charge-offs (x) | 131.3333% | 733 |
| Efficiency ratio | 61.9113% | 2,714 |
| Assets per employee ($millions) | 7.6652% | 1,467 |
| Cash dividends to net income (ytd only)* | 25.8830% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,759 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.8297% | 1,908 |
| Net loans and leases to deposits | 77.1410% | 1,559 |
| Net loans and leases to core deposits | 84.2575% | 1,407 |
| Total domestic deposits to total assets | 81.4479% | 4,022 |
| Equity capital to assets | 10.1980% | 2,712 |
| Core capital (leverage) ratio | 9.8927% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0035% | 1,614 |
| Memoranda: | ||
| Average total assets | $256,860,250 | 2,699 |
| Average earning assets | $234,991,750 | 2,736 |
| Average equity | $25,188,750 | 2,872 |
| Average total loans | $167,036,250 | 2,529 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 1,392 |
| Cost of funding earning assets | 0.5175% | 1,108 |
| Net interest margin | 3.5612% | 1,682 |
| Noninterest income to average assets | 0.4106% | 3,055 |
| Noninterest expense to average assets | 2.2420% | 2,950 |
| Loan and lease loss provision to assets | 0.3385% | 226 |
| Net operating income to assets | 0.8452% | 3,382 |
| Return on assets (ROA) | 0.8452% | 3,455 |
| Pretax return on assets | 1.0823% | 3,271 |
| Return on Equity (ROE) | 8.7328% | 3,184 |
| Retained earnings to average equity (ytd only) | 5.1548% | 3,129 |
| Net charge-offs to loans | 0.0237% | 1,475 |
| Credit loss provision to net charge-offs | 2,185.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 91.7000% | 786 |
| Efficiency ratio | 61.2098% | 2,845 |
| Assets per employee ($millions) | 7.1575% | 1,686 |
| Cash dividends to net income (ytd only)* | 40.9716% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,858 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.0495% | 1,944 |
| Net loans and leases to deposits | 78.7354% | 1,554 |
| Net loans and leases to core deposits | 86.2292% | 1,399 |
| Total domestic deposits to total assets | 81.3477% | 4,038 |
| Equity capital to assets | 10.1401% | 2,730 |
| Core capital (leverage) ratio | 9.4898% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1307% | 1,591 |
| Memoranda: | ||
| Average total assets | $258,163,000 | 2,697 |
| Average earning assets | $235,764,667 | 2,717 |
| Average equity | $24,986,333 | 2,882 |
| Average total loans | $169,030,000 | 2,517 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 1,377 |
| Cost of funding earning assets | 0.5444% | 1,141 |
| Net interest margin | 3.5576% | 1,686 |
| Noninterest income to average assets | 0.4031% | 3,075 |
| Noninterest expense to average assets | 2.1818% | 3,162 |
| Loan and lease loss provision to assets | 0.4306% | 167 |
| Net operating income to assets | 0.8153% | 3,372 |
| Return on assets (ROA) | 0.8153% | 3,443 |
| Pretax return on assets | 1.0336% | 3,282 |
| Return on Equity (ROE) | 8.6204% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.6204% | 2,056 |
| Net charge-offs to loans | 0.0581% | 935 |
| Credit loss provision to net charge-offs | 1,128.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 38.3600% | 997 |
| Efficiency ratio | 59.8409% | 3,054 |
| Assets per employee ($millions) | 7.8922% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,006 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 63.0801% | 2,159 |
| Net loans and leases to deposits | 77.4524% | 1,763 |
| Net loans and leases to core deposits | 85.0647% | 1,586 |
| Total domestic deposits to total assets | 81.4437% | 3,995 |
| Equity capital to assets | 9.2899% | 3,402 |
| Core capital (leverage) ratio | 9.6064% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1692% | 1,518 |
| Memoranda: | ||
| Average total assets | $261,989,000 | 2,655 |
| Average earning assets | $238,815,500 | 2,684 |
| Average equity | $24,778,500 | 2,888 |
| Average total loans | $172,256,000 | 2,498 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 1,972 |
| Cost of funding earning assets | 0.7606% | 1,395 |
| Net interest margin | 3.5029% | 2,469 |
| Noninterest income to average assets | 0.3104% | 3,628 |
| Noninterest expense to average assets | 2.2879% | 3,438 |
| Loan and lease loss provision to assets | 0.2333% | 1,670 |
| Net operating income to assets | 0.8342% | 2,962 |
| Return on assets (ROA) | 0.8342% | 3,091 |
| Pretax return on assets | 1.0379% | 2,921 |
| Return on Equity (ROE) | 8.5507% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.9704% | 1,408 |
| Net charge-offs to loans | 0.0721% | 1,765 |
| Credit loss provision to net charge-offs | 462.8099% | 1,313 |
| Earnings coverage of net charge-offs (x) | 25.2149% | 1,748 |
| Efficiency ratio | 64.2824% | 2,775 |
| Assets per employee ($millions) | 7.5189% | 1,266 |
| Cash dividends to net income (ytd only)* | 18.4815% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,921 |
| Loan loss allowance to noncurrent loans | 4,071.4286% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,983 |
| Noncurrent loans to loans | 0.0242% | 4,230 |
| Net loans and leases to total assets | 67.1127% | 1,937 |
| Net loans and leases to deposits | 87.2969% | 1,151 |
| Net loans and leases to core deposits | 96.5802% | 1,089 |
| Total domestic deposits to total assets | 76.8787% | 4,428 |
| Equity capital to assets | 9.6341% | 3,471 |
| Core capital (leverage) ratio | 9.7445% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2931% | 1,746 |
| Memoranda: | ||
| Average total assets | $240,000,200 | 2,655 |
| Average earning assets | $222,585,800 | 2,654 |
| Average equity | $23,413,200 | 2,912 |
| Average total loans | $167,739,200 | 2,505 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,255 |
| Cost of funding earning assets | 0.7959% | 1,519 |
| Net interest margin | 3.4511% | 2,749 |
| Noninterest income to average assets | 0.3146% | 3,607 |
| Noninterest expense to average assets | 2.3053% | 3,407 |
| Loan and lease loss provision to assets | 0.1864% | 2,124 |
| Net operating income to assets | 0.8494% | 2,908 |
| Return on assets (ROA) | 0.8494% | 3,034 |
| Pretax return on assets | 1.0504% | 2,908 |
| Return on Equity (ROE) | 8.6774% | 2,532 |
| Retained earnings to average equity (ytd only) | 6.5427% | 1,871 |
| Net charge-offs to loans | 0.0882% | 1,420 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 19.9091% | 1,922 |
| Efficiency ratio | 65.0829% | 2,582 |
| Assets per employee ($millions) | 9.0142% | 690 |
| Cash dividends to net income (ytd only)* | 24.6011% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,217 |
| Loan loss allowance to noncurrent loans | 242.8339% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 3,008 |
| Noncurrent loans to loans | 0.3513% | 3,027 |
| Net loans and leases to total assets | 66.2807% | 2,485 |
| Net loans and leases to deposits | 89.0113% | 1,367 |
| Net loans and leases to core deposits | 99.9815% | 1,167 |
| Total domestic deposits to total assets | 74.4632% | 4,543 |
| Equity capital to assets | 9.1415% | 4,006 |
| Core capital (leverage) ratio | 9.7267% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1724% | 2,122 |
| Memoranda: | ||
| Average total assets | $236,089,500 | 2,661 |
| Average earning assets | $220,792,000 | 2,647 |
| Average equity | $23,109,250 | 2,928 |
| Average total loans | $166,354,250 | 2,522 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,227 |
| Cost of funding earning assets | 0.8522% | 1,590 |
| Net interest margin | 3.5417% | 2,669 |
| Noninterest income to average assets | 0.3163% | 3,570 |
| Noninterest expense to average assets | 2.3650% | 3,360 |
| Loan and lease loss provision to assets | 0.1757% | 2,260 |
| Net operating income to assets | 0.8803% | 2,772 |
| Return on assets (ROA) | 0.8803% | 2,885 |
| Pretax return on assets | 1.0797% | 2,776 |
| Return on Equity (ROE) | 8.7715% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.5325% | 2,266 |
| Net charge-offs to loans | 0.0758% | 1,493 |
| Credit loss provision to net charge-offs | 322.5806% | 1,562 |
| Earnings coverage of net charge-offs (x) | 23.0484% | 1,611 |
| Efficiency ratio | 65.3240% | 2,615 |
| Assets per employee ($millions) | 7.9777% | 977 |
| Cash dividends to net income (ytd only)* | 36.9261% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 4,321 |
| Loan loss allowance to noncurrent loans | 2,561.8182% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,141 |
| Noncurrent loans to loans | 0.0316% | 4,353 |
| Net loans and leases to total assets | 67.5832% | 2,425 |
| Net loans and leases to deposits | 90.9873% | 1,270 |
| Net loans and leases to core deposits | 103.3083% | 1,047 |
| Total domestic deposits to total assets | 74.2776% | 4,573 |
| Equity capital to assets | 9.1430% | 3,966 |
| Core capital (leverage) ratio | 9.7914% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9329% | 2,207 |
| Memoranda: | ||
| Average total assets | $227,649,000 | 2,697 |
| Average earning assets | $212,381,333 | 2,696 |
| Average equity | $22,846,667 | 2,941 |
| Average total loans | $163,553,667 | 2,537 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 2,015 |
| Cost of funding earning assets | 0.9850% | 1,486 |
| Net interest margin | 3.6085% | 2,637 |
| Noninterest income to average assets | 0.3311% | 3,546 |
| Noninterest expense to average assets | 2.5254% | 3,191 |
| Loan and lease loss provision to assets | 0.1497% | 1,899 |
| Net operating income to assets | 0.8736% | 2,603 |
| Return on assets (ROA) | 0.8736% | 2,709 |
| Pretax return on assets | 1.0139% | 2,802 |
| Return on Equity (ROE) | 8.2657% | 2,401 |
| Retained earnings to average equity (ytd only) | 8.2657% | 1,150 |
| Net charge-offs to loans | -0.0202% | 4,340 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4584% | 2,593 |
| Assets per employee ($millions) | 7.1220% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,279 |
| Loan loss allowance to noncurrent loans | 363.3690% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 3,532 |
| Noncurrent loans to loans | 0.2336% | 3,655 |
| Net loans and leases to total assets | 71.8941% | 1,936 |
| Net loans and leases to deposits | 89.5606% | 1,559 |
| Net loans and leases to core deposits | 104.4022% | 1,160 |
| Total domestic deposits to total assets | 80.2743% | 3,806 |
| Equity capital to assets | 10.4066% | 3,409 |
| Core capital (leverage) ratio | 10.0916% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4630% | 1,765 |
| Memoranda: | ||
| Average total assets | $213,830,000 | 2,763 |
| Average earning assets | $198,976,000 | 2,749 |
| Average equity | $22,599,500 | 2,955 |
| Average total loans | $158,360,500 | 2,558 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 2,198 |
| Cost of funding earning assets | 1.0617% | 1,468 |
| Net interest margin | 3.6842% | 2,853 |
| Noninterest income to average assets | 0.3806% | 3,417 |
| Noninterest expense to average assets | 2.6262% | 3,106 |
| Loan and lease loss provision to assets | 0.0419% | 3,175 |
| Net operating income to assets | 0.8775% | 3,291 |
| Return on assets (ROA) | 0.8775% | 3,376 |
| Pretax return on assets | 1.1325% | 3,068 |
| Return on Equity (ROE) | 8.5030% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.9939% | 1,392 |
| Net charge-offs to loans | 0.0874% | 1,873 |
| Credit loss provision to net charge-offs | 64.1791% | 2,986 |
| Earnings coverage of net charge-offs (x) | 18.0075% | 2,080 |
| Efficiency ratio | 69.0998% | 2,303 |
| Assets per employee ($millions) | 6.0846% | 1,571 |
| Cash dividends to net income (ytd only)* | 17.7482% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 4,272 |
| Loan loss allowance to noncurrent loans | 322.5888% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 3,400 |
| Noncurrent loans to loans | 0.2515% | 3,547 |
| Net loans and leases to total assets | 75.0982% | 1,570 |
| Net loans and leases to deposits | 94.3641% | 1,121 |
| Net loans and leases to core deposits | 109.8532% | 860 |
| Total domestic deposits to total assets | 79.5835% | 4,056 |
| Equity capital to assets | 10.7421% | 3,223 |
| Core capital (leverage) ratio | 10.5668% | 2,885 |
| Tier 1 risk-based capital ratio | 14.8358% | 2,851 |
| Total risk-based capital ratio | 15.6878% | 2,950 |
| Memoranda: | ||
| Average total assets | $205,471,600 | 2,798 |
| Average earning assets | $190,735,800 | 2,791 |
| Average equity | $21,204,200 | 3,022 |
| Average total loans | $153,256,800 | 2,582 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 2,300 |
| Cost of funding earning assets | 1.0774% | 1,438 |
| Net interest margin | 3.6626% | 3,052 |
| Noninterest income to average assets | 0.3764% | 3,462 |
| Noninterest expense to average assets | 2.5935% | 3,181 |
| Loan and lease loss provision to assets | 0.0494% | 2,911 |
| Net operating income to assets | 0.8756% | 3,426 |
| Return on assets (ROA) | 0.8756% | 3,510 |
| Pretax return on assets | 1.1297% | 3,206 |
| Return on Equity (ROE) | 8.5728% | 3,074 |
| Retained earnings to average equity (ytd only) | 6.5362% | 2,097 |
| Net charge-offs to loans | 0.0945% | 1,531 |
| Credit loss provision to net charge-offs | 70.3704% | 2,612 |
| Earnings coverage of net charge-offs (x) | 16.7959% | 2,124 |
| Efficiency ratio | 68.7457% | 2,298 |
| Assets per employee ($millions) | 6.1013% | 1,532 |
| Cash dividends to net income (ytd only)* | 23.7567% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 4,350 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 4,611 |
| Noncurrent loans to loans | 0.0210% | 4,580 |
| Net loans and leases to total assets | 75.0102% | 1,647 |
| Net loans and leases to deposits | 96.3737% | 975 |
| Net loans and leases to core deposits | 109.7278% | 960 |
| Total domestic deposits to total assets | 77.8327% | 4,375 |
| Equity capital to assets | 10.4948% | 3,543 |
| Core capital (leverage) ratio | 10.4914% | 3,109 |
| Tier 1 risk-based capital ratio | 14.5465% | 3,050 |
| Total risk-based capital ratio | 15.4115% | 3,153 |
| Memoranda: | ||
| Average total assets | $205,120,250 | 2,818 |
| Average earning assets | $190,206,500 | 2,817 |
| Average equity | $20,949,500 | 3,067 |
| Average total loans | $152,413,000 | 2,622 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,281 |
| Cost of funding earning assets | 1.0748% | 1,398 |
| Net interest margin | 3.6523% | 3,096 |
| Noninterest income to average assets | 0.3631% | 3,503 |
| Noninterest expense to average assets | 2.5653% | 3,289 |
| Loan and lease loss provision to assets | 0.0636% | 2,542 |
| Net operating income to assets | 0.8623% | 3,423 |
| Return on assets (ROA) | 0.8623% | 3,486 |
| Pretax return on assets | 1.1167% | 3,189 |
| Return on Equity (ROE) | 8.5221% | 3,054 |
| Retained earnings to average equity (ytd only) | 5.4267% | 2,555 |
| Net charge-offs to loans | 0.1391% | 1,094 |
| Credit loss provision to net charge-offs | 61.9048% | 2,390 |
| Earnings coverage of net charge-offs (x) | 11.4857% | 2,203 |
| Efficiency ratio | 68.4871% | 2,447 |
| Assets per employee ($millions) | 6.2495% | 1,368 |
| Cash dividends to net income (ytd only)* | 36.3224% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 4,313 |
| Loan loss allowance to noncurrent loans | 1,486.0465% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 3,261 |
| Noncurrent loans to loans | 0.0563% | 4,431 |
| Net loans and leases to total assets | 73.3991% | 1,987 |
| Net loans and leases to deposits | 93.7347% | 1,286 |
| Net loans and leases to core deposits | 106.5834% | 1,207 |
| Total domestic deposits to total assets | 78.3052% | 4,343 |
| Equity capital to assets | 10.2704% | 3,725 |
| Core capital (leverage) ratio | 10.3691% | 3,224 |
| Tier 1 risk-based capital ratio | 14.4317% | 3,097 |
| Total risk-based capital ratio | 15.3026% | 3,209 |
| Memoranda: | ||
| Average total assets | $204,345,330 | 2,836 |
| Average earning assets | $189,252,330 | 2,831 |
| Average equity | $20,675,670 | 3,085 |
| Average total loans | $150,920,000 | 2,649 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 2,102 |
| Cost of funding earning assets | 1.0572% | 1,348 |
| Net interest margin | 3.6758% | 2,985 |
| Noninterest income to average assets | 0.3540% | 3,490 |
| Noninterest expense to average assets | 2.5683% | 3,301 |
| Loan and lease loss provision to assets | 0.0629% | 2,405 |
| Net operating income to assets | 0.8751% | 3,330 |
| Return on assets (ROA) | 0.8751% | 3,377 |
| Pretax return on assets | 1.1347% | 3,031 |
| Return on Equity (ROE) | 8.7157% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.7157% | 1,417 |
| Net charge-offs to loans | 0.0133% | 2,226 |
| Credit loss provision to net charge-offs | 640.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 121.8000% | 579 |
| Efficiency ratio | 68.1984% | 2,613 |
| Assets per employee ($millions) | 6.0175% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,210 |
| Loan loss allowance to noncurrent loans | 170.8122% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 2,746 |
| Noncurrent loans to loans | 0.5201% | 2,755 |
| Net loans and leases to total assets | 73.3892% | 1,915 |
| Net loans and leases to deposits | 93.3513% | 1,243 |
| Net loans and leases to core deposits | 105.0485% | 1,241 |
| Total domestic deposits to total assets | 78.6162% | 4,417 |
| Equity capital to assets | 10.1689% | 3,658 |
| Core capital (leverage) ratio | 10.2375% | 3,344 |
| Tier 1 risk-based capital ratio | 14.4446% | 3,119 |
| Total risk-based capital ratio | 15.3676% | 3,205 |
| Memoranda: | ||
| Average total assets | $203,401,000 | 2,866 |
| Average earning assets | $188,801,000 | 2,865 |
| Average equity | $20,423,000 | 3,117 |
| Average total loans | $150,054,000 | 2,689 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 2,249 |
| Cost of funding earning assets | 0.7710% | 1,685 |
| Net interest margin | 3.7927% | 2,685 |
| Noninterest income to average assets | 0.3200% | 3,967 |
| Noninterest expense to average assets | 2.6614% | 3,147 |
| Loan and lease loss provision to assets | 0.1157% | 1,902 |
| Net operating income to assets | 0.8162% | 3,745 |
| Return on assets (ROA) | 0.8162% | 3,746 |
| Pretax return on assets | 1.0431% | 3,467 |
| Return on Equity (ROE) | 8.3820% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.9971% | 1,673 |
| Net charge-offs to loans | 0.0319% | 2,762 |
| Credit loss provision to net charge-offs | 511.1111% | 680 |
| Earnings coverage of net charge-offs (x) | 51.1778% | 1,120 |
| Efficiency ratio | 69.6654% | 2,249 |
| Assets per employee ($millions) | 5.7774% | 1,694 |
| Cash dividends to net income (ytd only)* | 16.5228% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 4,402 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 72.8428% | 2,125 |
| Net loans and leases to deposits | 92.4337% | 1,493 |
| Net loans and leases to core deposits | 103.3584% | 1,468 |
| Total domestic deposits to total assets | 78.8055% | 4,347 |
| Equity capital to assets | 9.9111% | 3,754 |
| Core capital (leverage) ratio | 10.2343% | 3,323 |
| Tier 1 risk-based capital ratio | 14.5721% | 3,032 |
| Total risk-based capital ratio | 15.5021% | 3,106 |
| Memoranda: | ||
| Average total assets | $198,733,200 | 2,890 |
| Average earning assets | $183,404,600 | 2,883 |
| Average equity | $19,351,000 | 3,152 |
| Average total loans | $140,976,000 | 2,761 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 2,117 |
| Cost of funding earning assets | 0.7151% | 1,771 |
| Net interest margin | 3.8386% | 2,502 |
| Noninterest income to average assets | 0.3073% | 4,091 |
| Noninterest expense to average assets | 2.6172% | 3,236 |
| Loan and lease loss provision to assets | 0.1503% | 1,309 |
| Net operating income to assets | 0.8389% | 3,779 |
| Return on assets (ROA) | 0.8389% | 3,784 |
| Pretax return on assets | 1.0775% | 3,477 |
| Return on Equity (ROE) | 8.6553% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.7921% | 2,242 |
| Net charge-offs to loans | 0.0604% | 1,957 |
| Credit loss provision to net charge-offs | 353.9683% | 885 |
| Earnings coverage of net charge-offs (x) | 28.9199% | 1,648 |
| Efficiency ratio | 68.0687% | 2,526 |
| Assets per employee ($millions) | 6.2575% | 1,305 |
| Cash dividends to net income (ytd only)* | 21.5258% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 4,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,552 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.9299% | 2,512 |
| Net loans and leases to deposits | 89.8952% | 1,914 |
| Net loans and leases to core deposits | 101.1840% | 1,681 |
| Total domestic deposits to total assets | 78.9028% | 4,335 |
| Equity capital to assets | 9.6764% | 3,930 |
| Core capital (leverage) ratio | 10.1588% | 3,456 |
| Tier 1 risk-based capital ratio | 14.5408% | 3,106 |
| Total risk-based capital ratio | 15.4732% | 3,172 |
| Memoranda: | ||
| Average total assets | $197,864,500 | 2,911 |
| Average earning assets | $182,354,750 | 2,918 |
| Average equity | $19,178,500 | 3,188 |
| Average total loans | $139,067,000 | 2,798 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 2,004 |
| Cost of funding earning assets | 0.6730% | 1,787 |
| Net interest margin | 3.8541% | 2,367 |
| Noninterest income to average assets | 0.2933% | 4,217 |
| Noninterest expense to average assets | 2.6285% | 3,230 |
| Loan and lease loss provision to assets | 0.1502% | 1,257 |
| Net operating income to assets | 0.8291% | 3,753 |
| Return on assets (ROA) | 0.8291% | 3,757 |
| Pretax return on assets | 1.0656% | 3,452 |
| Return on Equity (ROE) | 8.5493% | 3,233 |
| Retained earnings to average equity (ytd only) | 5.7449% | 2,698 |
| Net charge-offs to loans | 0.0262% | 2,333 |
| Credit loss provision to net charge-offs | 822.2222% | 490 |
| Earnings coverage of net charge-offs (x) | 66.5556% | 936 |
| Efficiency ratio | 68.3738% | 2,581 |
| Assets per employee ($millions) | 6.4402% | 1,198 |
| Cash dividends to net income (ytd only)* | 32.8029% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,356 |
| Loan loss allowance to noncurrent loans | 972.3077% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 4,691 |
| Noncurrent loans to loans | 0.0922% | 4,502 |
| Net loans and leases to total assets | 69.9870% | 2,582 |
| Net loans and leases to deposits | 87.3239% | 2,178 |
| Net loans and leases to core deposits | 98.1325% | 1,881 |
| Total domestic deposits to total assets | 80.1465% | 4,203 |
| Equity capital to assets | 9.5939% | 4,007 |
| Core capital (leverage) ratio | 9.8243% | 3,760 |
| Tier 1 risk-based capital ratio | 14.3501% | 3,181 |
| Total risk-based capital ratio | 15.2683% | 3,269 |
| Memoranda: | ||
| Average total assets | $197,072,670 | 2,932 |
| Average earning assets | $181,574,670 | 2,947 |
| Average equity | $19,112,670 | 3,212 |
| Average total loans | $137,648,000 | 2,823 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 2,190 |
| Cost of funding earning assets | 0.6455% | 1,745 |
| Net interest margin | 3.7563% | 2,590 |
| Noninterest income to average assets | 0.2860% | 4,261 |
| Noninterest expense to average assets | 2.6315% | 3,241 |
| Loan and lease loss provision to assets | 0.1042% | 1,780 |
| Net operating income to assets | 0.8090% | 3,671 |
| Return on assets (ROA) | 0.8090% | 3,679 |
| Pretax return on assets | 1.0338% | 3,417 |
| Return on Equity (ROE) | 8.2967% | 3,248 |
| Retained earnings to average equity (ytd only) | 8.2967% | 1,733 |
| Net charge-offs to loans | 0.0353% | 1,817 |
| Credit loss provision to net charge-offs | 425.0000% | 669 |
| Earnings coverage of net charge-offs (x) | 46.4167% | 980 |
| Efficiency ratio | 69.8103% | 2,513 |
| Assets per employee ($millions) | 6.1749% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,642 |
| Loan loss allowance to noncurrent loans | 335.1429% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,195 |
| Noncurrent loans to loans | 0.2533% | 3,852 |
| Net loans and leases to total assets | 69.3266% | 2,587 |
| Net loans and leases to deposits | 86.2438% | 2,137 |
| Net loans and leases to core deposits | 101.1414% | 1,603 |
| Total domestic deposits to total assets | 80.3844% | 4,346 |
| Equity capital to assets | 9.6529% | 3,938 |
| Core capital (leverage) ratio | 10.0531% | 3,468 |
| Tier 1 risk-based capital ratio | 14.4006% | 3,171 |
| Total risk-based capital ratio | 15.2629% | 3,289 |
| Memoranda: | ||
| Average total assets | $195,785,500 | 2,973 |
| Average earning assets | $181,560,000 | 2,976 |
| Average equity | $19,092,000 | 3,238 |
| Average total loans | $135,976,500 | 2,862 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 2,148 |
| Cost of funding earning assets | 0.5553% | 1,907 |
| Net interest margin | 3.8049% | 2,412 |
| Noninterest income to average assets | 0.2886% | 4,398 |
| Noninterest expense to average assets | 2.7082% | 3,101 |
| Loan and lease loss provision to assets | 0.0305% | 3,668 |
| Net operating income to assets | 0.7232% | 3,503 |
| Return on assets (ROA) | 0.7239% | 3,541 |
| Pretax return on assets | 1.0548% | 3,364 |
| Return on Equity (ROE) | 7.3796% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.1242% | 1,469 |
| Net charge-offs to loans | 0.1811% | 1,386 |
| Credit loss provision to net charge-offs | 24.5690% | 3,580 |
| Earnings coverage of net charge-offs (x) | 8.7284% | 2,872 |
| Efficiency ratio | 71.4104% | 2,317 |
| Assets per employee ($millions) | 6.0617% | 1,480 |
| Cash dividends to net income (ytd only)* | 17.0118% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 4,677 |
| Loan loss allowance to noncurrent loans | 352.1739% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 4,311 |
| Noncurrent loans to loans | 0.2407% | 3,939 |
| Net loans and leases to total assets | 68.3899% | 2,767 |
| Net loans and leases to deposits | 86.2295% | 2,231 |
| Net loans and leases to core deposits | 99.1435% | 1,777 |
| Total domestic deposits to total assets | 79.3116% | 4,475 |
| Equity capital to assets | 9.8519% | 3,867 |
| Core capital (leverage) ratio | 9.9972% | 3,458 |
| Tier 1 risk-based capital ratio | 14.3758% | 3,159 |
| Total risk-based capital ratio | 15.2252% | 3,281 |
| Memoranda: | ||
| Average total assets | $186,764,200 | 3,053 |
| Average earning assets | $171,987,000 | 3,048 |
| Average equity | $18,320,800 | 3,323 |
| Average total loans | $128,139,200 | 2,940 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 2,049 |
| Cost of funding earning assets | 0.5377% | 1,973 |
| Net interest margin | 3.8311% | 2,283 |
| Noninterest income to average assets | 0.2876% | 4,469 |
| Noninterest expense to average assets | 2.7068% | 3,044 |
| Loan and lease loss provision to assets | 0.0411% | 3,286 |
| Net operating income to assets | 0.7098% | 3,927 |
| Return on assets (ROA) | 0.7108% | 3,984 |
| Pretax return on assets | 1.0647% | 3,442 |
| Return on Equity (ROE) | 7.2537% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.5617% | 2,499 |
| Net charge-offs to loans | 0.2378% | 895 |
| Credit loss provision to net charge-offs | 25.2212% | 3,116 |
| Earnings coverage of net charge-offs (x) | 6.7787% | 2,944 |
| Efficiency ratio | 71.0233% | 2,361 |
| Assets per employee ($millions) | 6.1989% | 1,379 |
| Cash dividends to net income (ytd only)* | 23.3267% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,668 |
| Loan loss allowance to noncurrent loans | 754.9669% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 4,849 |
| Noncurrent loans to loans | 0.1160% | 4,596 |
| Net loans and leases to total assets | 67.1208% | 2,966 |
| Net loans and leases to deposits | 85.6092% | 2,352 |
| Net loans and leases to core deposits | 96.6332% | 2,010 |
| Total domestic deposits to total assets | 78.4037% | 4,645 |
| Equity capital to assets | 9.7186% | 4,229 |
| Core capital (leverage) ratio | 9.9445% | 3,635 |
| Tier 1 risk-based capital ratio | 14.5249% | 3,169 |
| Total risk-based capital ratio | 15.4042% | 3,277 |
| Memoranda: | ||
| Average total assets | $184,962,000 | 3,094 |
| Average earning assets | $170,114,250 | 3,098 |
| Average equity | $18,123,500 | 3,375 |
| Average total loans | $126,726,000 | 2,990 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 1,960 |
| Cost of funding earning assets | 0.5112% | 2,080 |
| Net interest margin | 3.8437% | 2,117 |
| Noninterest income to average assets | 0.2848% | 4,517 |
| Noninterest expense to average assets | 2.7585% | 2,895 |
| Loan and lease loss provision to assets | 0.0066% | 3,792 |
| Net operating income to assets | 0.6796% | 3,937 |
| Return on assets (ROA) | 0.6803% | 4,001 |
| Pretax return on assets | 1.0462% | 3,383 |
| Return on Equity (ROE) | 6.9233% | 3,594 |
| Retained earnings to average equity (ytd only) | 4.3591% | 3,108 |
| Net charge-offs to loans | 0.0048% | 3,308 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 262 |
| Efficiency ratio | 72.3979% | 2,277 |
| Assets per employee ($millions) | 6.1430% | 1,363 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 4,045 |
| Loan loss allowance to noncurrent loans | 3,545.9459% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,206 |
| Noncurrent loans to loans | 0.0287% | 5,049 |
| Net loans and leases to total assets | 67.0738% | 2,942 |
| Net loans and leases to deposits | 86.0372% | 2,212 |
| Net loans and leases to core deposits | 97.7448% | 1,833 |
| Total domestic deposits to total assets | 77.9591% | 4,822 |
| Equity capital to assets | 9.5745% | 4,341 |
| Core capital (leverage) ratio | 10.1096% | 3,392 |
| Tier 1 risk-based capital ratio | 14.3470% | 3,241 |
| Total risk-based capital ratio | 15.3630% | 3,278 |
| Memoranda: | ||
| Average total assets | $182,560,330 | 3,127 |
| Average earning assets | $167,445,000 | 3,142 |
| Average equity | $17,939,330 | 3,402 |
| Average total loans | $125,593,330 | 3,012 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 1,664 |
| Cost of funding earning assets | 0.5117% | 1,996 |
| Net interest margin | 3.8808% | 1,849 |
| Noninterest income to average assets | 0.2822% | 4,532 |
| Noninterest expense to average assets | 2.8059% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6681% | 3,843 |
| Return on assets (ROA) | 0.6696% | 3,878 |
| Pretax return on assets | 1.0279% | 3,248 |
| Return on Equity (ROE) | 6.7219% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.7219% | 1,962 |
| Net charge-offs to loans | 0.0129% | 2,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 114.5000% | 478 |
| Efficiency ratio | 73.2320% | 2,368 |
| Assets per employee ($millions) | 5.8129% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 4,078 |
| Loan loss allowance to noncurrent loans | 2,663.2653% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,209 |
| Noncurrent loans to loans | 0.0388% | 5,042 |
| Net loans and leases to total assets | 69.4136% | 2,477 |
| Net loans and leases to deposits | 86.3273% | 2,001 |
| Net loans and leases to core deposits | 97.6624% | 1,687 |
| Total domestic deposits to total assets | 80.4074% | 4,545 |
| Equity capital to assets | 9.9850% | 3,774 |
| Core capital (leverage) ratio | 10.3191% | 3,087 |
| Tier 1 risk-based capital ratio | 14.7767% | 3,079 |
| Total risk-based capital ratio | 15.8227% | 3,096 |
| Memoranda: | ||
| Average total assets | $178,624,500 | 3,204 |
| Average earning assets | $163,368,500 | 3,225 |
| Average equity | $17,792,500 | 3,436 |
| Average total loans | $123,869,000 | 3,057 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,620 |
| Cost of funding earning assets | 0.5236% | 1,912 |
| Net interest margin | 3.9498% | 1,791 |
| Noninterest income to average assets | 0.2862% | 4,699 |
| Noninterest expense to average assets | 2.8975% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6536% | 3,983 |
| Return on assets (ROA) | 0.6575% | 4,085 |
| Pretax return on assets | 0.9915% | 3,505 |
| Return on Equity (ROE) | 6.4079% | 3,788 |
| Retained earnings to average equity (ytd only) | 5.3172% | 2,117 |
| Net charge-offs to loans | -0.0061% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6172% | 2,201 |
| Assets per employee ($millions) | 5.7112% | 1,686 |
| Cash dividends to net income (ytd only)* | 17.0213% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 67.8008% | 2,809 |
| Net loans and leases to deposits | 85.5156% | 2,235 |
| Net loans and leases to core deposits | 98.1641% | 1,757 |
| Total domestic deposits to total assets | 79.2847% | 4,725 |
| Equity capital to assets | 9.9363% | 3,782 |
| Core capital (leverage) ratio | 10.3251% | 3,076 |
| Tier 1 risk-based capital ratio | 15.1499% | 2,901 |
| Total risk-based capital ratio | 16.2391% | 2,910 |
| Memoranda: | ||
| Average total assets | $171,562,000 | 3,266 |
| Average earning assets | $156,236,000 | 3,293 |
| Average equity | $17,603,400 | 3,475 |
| Average total loans | $115,148,200 | 3,138 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 1,602 |
| Cost of funding earning assets | 0.5274% | 1,891 |
| Net interest margin | 3.9534% | 1,805 |
| Noninterest income to average assets | 0.2914% | 4,683 |
| Noninterest expense to average assets | 2.9237% | 2,564 |
| Loan and lease loss provision to assets | 0.0141% | 3,969 |
| Net operating income to assets | 0.6224% | 4,197 |
| Return on assets (ROA) | 0.6275% | 4,297 |
| Pretax return on assets | 0.9613% | 3,772 |
| Return on Equity (ROE) | 6.0659% | 4,042 |
| Retained earnings to average equity (ytd only) | 4.6119% | 3,072 |
| Net charge-offs to loans | -0.0188% | 4,983 |
| Credit loss provision to net charge-offs | -112.5000% | 4,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1359% | 2,085 |
| Assets per employee ($millions) | 5.7210% | 1,644 |
| Cash dividends to net income (ytd only)* | 23.9698% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,557 |
| Loan loss allowance to noncurrent loans | 13,360.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 5,160 |
| Noncurrent loans to loans | 0.0086% | 5,374 |
| Net loans and leases to total assets | 64.9317% | 3,278 |
| Net loans and leases to deposits | 80.2790% | 2,924 |
| Net loans and leases to core deposits | 93.7501% | 2,212 |
| Total domestic deposits to total assets | 80.8825% | 4,274 |
| Equity capital to assets | 10.1138% | 4,026 |
| Core capital (leverage) ratio | 10.4296% | 3,074 |
| Tier 1 risk-based capital ratio | 15.2491% | 2,935 |
| Total risk-based capital ratio | 16.3885% | 2,918 |
| Memoranda: | ||
| Average total assets | $170,190,500 | 3,298 |
| Average earning assets | $154,967,750 | 3,323 |
| Average equity | $17,606,250 | 3,494 |
| Average total loans | $113,598,000 | 3,171 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 1,471 |
| Cost of funding earning assets | 0.5260% | 1,892 |
| Net interest margin | 3.9907% | 1,670 |
| Noninterest income to average assets | 0.2860% | 4,742 |
| Noninterest expense to average assets | 2.9976% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5788% | 4,358 |
| Return on assets (ROA) | 0.5864% | 4,452 |
| Pretax return on assets | 0.9356% | 3,816 |
| Return on Equity (ROE) | 5.6241% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.4294% | 3,710 |
| Net charge-offs to loans | -0.0249% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4438% | 2,017 |
| Assets per employee ($millions) | 5.5336% | 1,767 |
| Cash dividends to net income (ytd only)* | 39.0244% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,601 |
| Loan loss allowance to noncurrent loans | 2,741.6667% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 5,126 |
| Noncurrent loans to loans | 0.0422% | 5,296 |
| Net loans and leases to total assets | 67.7485% | 2,816 |
| Net loans and leases to deposits | 83.3961% | 2,545 |
| Net loans and leases to core deposits | 107.1052% | 1,093 |
| Total domestic deposits to total assets | 81.2370% | 4,208 |
| Equity capital to assets | 10.6965% | 3,401 |
| Core capital (leverage) ratio | 10.5069% | 2,965 |
| Tier 1 risk-based capital ratio | 15.2731% | 2,948 |
| Total risk-based capital ratio | 16.4187% | 2,931 |
| Memoranda: | ||
| Average total assets | $167,803,670 | 3,346 |
| Average earning assets | $152,857,000 | 3,372 |
| Average equity | $17,496,000 | 3,516 |
| Average total loans | $112,633,000 | 3,195 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 1,550 |
| Cost of funding earning assets | 0.5296% | 1,866 |
| Net interest margin | 3.9553% | 1,765 |
| Noninterest income to average assets | 0.2798% | 4,709 |
| Noninterest expense to average assets | 2.9211% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5942% | 4,204 |
| Return on assets (ROA) | 0.6094% | 4,257 |
| Pretax return on assets | 0.9769% | 3,563 |
| Return on Equity (ROE) | 5.9198% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.9198% | 2,410 |
| Net charge-offs to loans | -0.0785% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3978% | 2,269 |
| Assets per employee ($millions) | 5.4599% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,704 |
| Loan loss allowance to noncurrent loans | 2,758.3333% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 2,812 |
| Noncurrent loans to loans | 0.0421% | 5,324 |
| Net loans and leases to total assets | 66.5548% | 2,875 |
| Net loans and leases to deposits | 78.9676% | 2,898 |
| Net loans and leases to core deposits | 87.3653% | 2,627 |
| Total domestic deposits to total assets | 84.2812% | 3,406 |
| Equity capital to assets | 10.3914% | 3,630 |
| Core capital (leverage) ratio | 10.4747% | 3,001 |
| Tier 1 risk-based capital ratio | 15.1051% | 3,103 |
| Total risk-based capital ratio | 16.2496% | 3,094 |
| Memoranda: | ||
| Average total assets | $168,701,500 | 3,346 |
| Average earning assets | $153,314,000 | 3,376 |
| Average equity | $17,365,500 | 3,532 |
| Average total loans | $112,057,500 | 3,211 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 655 |
| Cost of funding earning assets | 0.5271% | 1,946 |
| Net interest margin | 4.4512% | 714 |
| Noninterest income to average assets | 0.3224% | 4,592 |
| Noninterest expense to average assets | 2.8532% | 3,019 |
| Loan and lease loss provision to assets | 0.0487% | 3,358 |
| Net operating income to assets | 0.8884% | 2,939 |
| Return on assets (ROA) | 0.8899% | 3,008 |
| Pretax return on assets | 1.4673% | 1,658 |
| Return on Equity (ROE) | 9.2440% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.2440% | 599 |
| Net charge-offs to loans | 0.0398% | 3,432 |
| Credit loss provision to net charge-offs | 188.6364% | 1,464 |
| Earnings coverage of net charge-offs (x) | 58.6818% | 882 |
| Efficiency ratio | 65.3376% | 4,018 |
| Assets per employee ($millions) | 5.4241% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 3,578 |
| Loan loss allowance to noncurrent loans | 14,466.6667% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 2,849 |
| Noncurrent loans to loans | 0.0082% | 5,507 |
| Net loans and leases to total assets | 64.7297% | 3,159 |
| Net loans and leases to deposits | 78.8035% | 2,962 |
| Net loans and leases to core deposits | 87.6647% | 2,636 |
| Total domestic deposits to total assets | 82.1406% | 4,136 |
| Equity capital to assets | 10.1952% | 3,756 |
| Core capital (leverage) ratio | 10.2135% | 3,250 |
| Tier 1 risk-based capital ratio | 15.0566% | 3,152 |
| Total risk-based capital ratio | 16.1952% | 3,135 |
| Memoranda: | ||
| Average total assets | $170,581,200 | 3,294 |
| Average earning assets | $154,993,400 | 3,330 |
| Average equity | $16,421,400 | 3,614 |
| Average total loans | $110,678,200 | 3,187 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 467 |
| Cost of funding earning assets | 0.5288% | 1,970 |
| Net interest margin | 4.6290% | 520 |
| Noninterest income to average assets | 0.3201% | 4,650 |
| Noninterest expense to average assets | 2.8147% | 3,126 |
| Loan and lease loss provision to assets | 0.0849% | 2,468 |
| Net operating income to assets | 0.9806% | 2,569 |
| Return on assets (ROA) | 0.9821% | 2,644 |
| Pretax return on assets | 1.6293% | 1,299 |
| Return on Equity (ROE) | 10.3521% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.3521% | 579 |
| Net charge-offs to loans | 0.0421% | 3,040 |
| Credit loss provision to net charge-offs | 311.4286% | 937 |
| Earnings coverage of net charge-offs (x) | 62.7939% | 888 |
| Efficiency ratio | 62.1817% | 4,543 |
| Assets per employee ($millions) | 5.6831% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 3,487 |
| Loan loss allowance to noncurrent loans | 1,215.4545% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 2,923 |
| Noncurrent loans to loans | 0.1012% | 5,230 |
| Net loans and leases to total assets | 62.9776% | 3,460 |
| Net loans and leases to deposits | 76.8355% | 3,218 |
| Net loans and leases to core deposits | 86.6596% | 2,783 |
| Total domestic deposits to total assets | 81.9642% | 4,176 |
| Equity capital to assets | 10.0144% | 4,130 |
| Core capital (leverage) ratio | 9.9933% | 3,636 |
| Tier 1 risk-based capital ratio | 14.8742% | 3,359 |
| Total risk-based capital ratio | 16.0493% | 3,336 |
| Memoranda: | ||
| Average total assets | $171,189,750 | 3,312 |
| Average earning assets | $155,565,250 | 3,349 |
| Average equity | $16,241,000 | 3,669 |
| Average total loans | $110,812,000 | 3,213 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 1,810 |
| Cost of funding earning assets | 0.5271% | 2,009 |
| Net interest margin | 3.8873% | 2,029 |
| Noninterest income to average assets | 0.3232% | 4,635 |
| Noninterest expense to average assets | 2.8398% | 3,106 |
| Loan and lease loss provision to assets | 0.0922% | 2,276 |
| Net operating income to assets | 0.5601% | 4,522 |
| Return on assets (ROA) | 0.5624% | 4,616 |
| Pretax return on assets | 0.9310% | 3,843 |
| Return on Equity (ROE) | 6.0388% | 4,110 |
| Retained earnings to average equity (ytd only) | 6.0388% | 2,225 |
| Net charge-offs to loans | 0.0359% | 2,958 |
| Credit loss provision to net charge-offs | 395.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 43.7000% | 1,059 |
| Efficiency ratio | 73.5792% | 2,738 |
| Assets per employee ($millions) | 5.4931% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,829 |
| Loan loss allowance to noncurrent loans | 2,003.0303% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 2,624 |
| Noncurrent loans to loans | 0.0596% | 5,493 |
| Net loans and leases to total assets | 64.2261% | 3,239 |
| Net loans and leases to deposits | 80.3149% | 2,742 |
| Net loans and leases to core deposits | 90.5949% | 2,288 |
| Total domestic deposits to total assets | 79.9678% | 4,879 |
| Equity capital to assets | 9.4541% | 4,707 |
| Core capital (leverage) ratio | 9.0584% | 4,883 |
| Tier 1 risk-based capital ratio | 13.5528% | 4,189 |
| Total risk-based capital ratio | 14.7055% | 4,177 |
| Memoranda: | ||
| Average total assets | $171,421,670 | 3,322 |
| Average earning assets | $155,943,000 | 3,365 |
| Average equity | $15,963,330 | 3,731 |
| Average total loans | $111,512,670 | 3,223 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 1,854 |
| Cost of funding earning assets | 0.5230% | 2,077 |
| Net interest margin | 3.8523% | 2,055 |
| Noninterest income to average assets | 0.3744% | 4,207 |
| Noninterest expense to average assets | 2.8955% | 2,919 |
| Loan and lease loss provision to assets | 0.1140% | 1,813 |
| Net operating income to assets | 0.5328% | 4,535 |
| Return on assets (ROA) | 0.5372% | 4,635 |
| Pretax return on assets | 0.8838% | 3,950 |
| Return on Equity (ROE) | 5.8130% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.8130% | 2,600 |
| Net charge-offs to loans | 0.0393% | 2,434 |
| Credit loss provision to net charge-offs | 445.4545% | 601 |
| Earnings coverage of net charge-offs (x) | 38.7273% | 994 |
| Efficiency ratio | 74.5063% | 2,732 |
| Assets per employee ($millions) | 5.2538% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 4,288 |
| Loan loss allowance to noncurrent loans | 774.4048% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 3,324 |
| Noncurrent loans to loans | 0.1479% | 5,246 |
| Net loans and leases to total assets | 64.7704% | 2,982 |
| Net loans and leases to deposits | 80.7332% | 2,477 |
| Net loans and leases to core deposits | 91.2945% | 2,000 |
| Total domestic deposits to total assets | 80.2277% | 5,002 |
| Equity capital to assets | 9.2551% | 5,019 |
| Core capital (leverage) ratio | 8.9652% | 4,993 |
| Tier 1 risk-based capital ratio | 13.2620% | 4,459 |
| Total risk-based capital ratio | 14.3978% | 4,438 |
| Memoranda: | ||
| Average total assets | $171,989,500 | 3,330 |
| Average earning assets | $156,789,500 | 3,369 |
| Average equity | $15,895,500 | 3,764 |
| Average total loans | $111,924,000 | 3,228 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 2,034 |
| Cost of funding earning assets | 0.6270% | 1,560 |
| Net interest margin | 3.8325% | 2,503 |
| Noninterest income to average assets | 0.2379% | 5,429 |
| Noninterest expense to average assets | 3.0337% | 2,744 |
| Loan and lease loss provision to assets | -0.0036% | 5,889 |
| Net operating income to assets | 0.4106% | 5,188 |
| Return on assets (ROA) | 0.5000% | 4,898 |
| Pretax return on assets | 0.8450% | 4,092 |
| Return on Equity (ROE) | 5.6087% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.6087% | 2,188 |
| Net charge-offs to loans | 0.1708% | 2,322 |
| Credit loss provision to net charge-offs | -3.2258% | 5,295 |
| Earnings coverage of net charge-offs (x) | 6.3763% | 3,212 |
| Efficiency ratio | 81.2134% | 1,748 |
| Assets per employee ($millions) | 5.3314% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 4,304 |
| Loan loss allowance to noncurrent loans | 558.8496% | 975 |
| Noncurrent assets plus other real estate owned to assets | 1.7655% | 1,492 |
| Noncurrent loans to loans | 0.2050% | 5,083 |
| Net loans and leases to total assets | 63.8838% | 3,241 |
| Net loans and leases to deposits | 79.6098% | 2,774 |
| Net loans and leases to core deposits | 90.0282% | 2,278 |
| Total domestic deposits to total assets | 80.2462% | 4,953 |
| Equity capital to assets | 9.2289% | 5,031 |
| Core capital (leverage) ratio | 8.8593% | 5,169 |
| Tier 1 risk-based capital ratio | 13.2740% | 4,552 |
| Total risk-based capital ratio | 14.3910% | 4,552 |
| Memoranda: | ||
| Average total assets | $169,003,800 | 3,357 |
| Average earning assets | $154,233,600 | 3,377 |
| Average equity | $15,066,000 | 3,821 |
| Average total loans | $108,870,600 | 3,246 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 2,074 |
| Cost of funding earning assets | 0.6508% | 1,452 |
| Net interest margin | 3.7915% | 2,649 |
| Noninterest income to average assets | 0.3108% | 4,955 |
| Noninterest expense to average assets | 3.0390% | 2,677 |
| Loan and lease loss provision to assets | 0.0490% | 3,396 |
| Net operating income to assets | 0.4128% | 5,201 |
| Return on assets (ROA) | 0.5322% | 4,823 |
| Pretax return on assets | 0.8738% | 4,097 |
| Return on Equity (ROE) | 6.0237% | 4,221 |
| Retained earnings to average equity (ytd only) | 6.0237% | 2,396 |
| Net charge-offs to loans | 0.1978% | 1,886 |
| Credit loss provision to net charge-offs | 38.5093% | 3,311 |
| Earnings coverage of net charge-offs (x) | 5.7826% | 3,197 |
| Efficiency ratio | 80.4985% | 1,843 |
| Assets per employee ($millions) | 5.2776% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,972 |
| Loan loss allowance to noncurrent loans | 80.0000% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.6828% | 1,801 |
| Noncurrent loans to loans | 1.5586% | 2,086 |
| Net loans and leases to total assets | 63.5922% | 3,248 |
| Net loans and leases to deposits | 75.7897% | 3,202 |
| Net loans and leases to core deposits | 86.0050% | 2,666 |
| Total domestic deposits to total assets | 83.9061% | 3,798 |
| Equity capital to assets | 9.0873% | 5,261 |
| Core capital (leverage) ratio | 8.8495% | 5,265 |
| Tier 1 risk-based capital ratio | 13.3545% | 4,640 |
| Total risk-based capital ratio | 14.5745% | 4,597 |
| Memoranda: | ||
| Average total assets | $168,603,500 | 3,385 |
| Average earning assets | $154,061,000 | 3,403 |
| Average equity | $14,896,250 | 3,878 |
| Average total loans | $108,525,250 | 3,269 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 1,917 |
| Cost of funding earning assets | 0.6818% | 1,298 |
| Net interest margin | 3.7920% | 2,597 |
| Noninterest income to average assets | 0.2932% | 5,075 |
| Noninterest expense to average assets | 3.1037% | 2,479 |
| Loan and lease loss provision to assets | 0.0522% | 3,259 |
| Net operating income to assets | 0.3750% | 5,310 |
| Return on assets (ROA) | 0.5353% | 4,767 |
| Pretax return on assets | 0.8534% | 4,064 |
| Return on Equity (ROE) | 6.1169% | 4,095 |
| Retained earnings to average equity (ytd only) | 6.1169% | 2,249 |
| Net charge-offs to loans | 0.2840% | 1,403 |
| Credit loss provision to net charge-offs | 28.5714% | 3,078 |
| Earnings coverage of net charge-offs (x) | 3.5844% | 3,267 |
| Efficiency ratio | 82.5703% | 1,683 |
| Assets per employee ($millions) | 5.2063% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 4,192 |
| Loan loss allowance to noncurrent loans | 777.4566% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 3,589 |
| Noncurrent loans to loans | 0.1602% | 5,532 |
| Net loans and leases to total assets | 64.0264% | 3,070 |
| Net loans and leases to deposits | 76.3146% | 3,017 |
| Net loans and leases to core deposits | 86.6761% | 2,451 |
| Total domestic deposits to total assets | 83.8980% | 3,958 |
| Equity capital to assets | 9.1020% | 5,204 |
| Core capital (leverage) ratio | 8.6802% | 5,430 |
| Tier 1 risk-based capital ratio | 12.9720% | 4,926 |
| Total risk-based capital ratio | 14.1752% | 4,899 |
| Memoranda: | ||
| Average total assets | $168,510,000 | 3,400 |
| Average earning assets | $154,006,670 | 3,412 |
| Average equity | $14,746,000 | 3,903 |
| Average total loans | $108,449,330 | 3,278 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 2,040 |
| Cost of funding earning assets | 0.6860% | 1,331 |
| Net interest margin | 3.7392% | 2,711 |
| Noninterest income to average assets | 0.2596% | 5,281 |
| Noninterest expense to average assets | 2.8773% | 3,293 |
| Loan and lease loss provision to assets | 0.0283% | 3,458 |
| Net operating income to assets | 0.4910% | 4,734 |
| Return on assets (ROA) | 0.4910% | 4,812 |
| Pretax return on assets | 0.7766% | 4,193 |
| Return on Equity (ROE) | 5.7233% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.7233% | 2,682 |
| Net charge-offs to loans | 0.0442% | 2,769 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 28.4167% | 1,086 |
| Efficiency ratio | 78.1410% | 2,456 |
| Assets per employee ($millions) | 5.4260% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 3,803 |
| Loan loss allowance to noncurrent loans | 121.8593% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2895% | 2,712 |
| Noncurrent loans to loans | 1.1146% | 3,193 |
| Net loans and leases to total assets | 62.8184% | 3,101 |
| Net loans and leases to deposits | 75.8216% | 2,830 |
| Net loans and leases to core deposits | 86.3206% | 2,283 |
| Total domestic deposits to total assets | 82.8503% | 4,661 |
| Equity capital to assets | 8.7880% | 5,352 |
| Core capital (leverage) ratio | 8.4946% | 5,652 |
| Tier 1 risk-based capital ratio | 12.9187% | 5,046 |
| Total risk-based capital ratio | 14.1698% | 4,987 |
| Memoranda: | ||
| Average total assets | $169,465,000 | 3,417 |
| Average earning assets | $155,111,500 | 3,416 |
| Average equity | $14,537,000 | 3,943 |
| Average total loans | $108,667,500 | 3,288 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 2,067 |
| Cost of funding earning assets | 0.8453% | 970 |
| Net interest margin | 3.6930% | 3,084 |
| Noninterest income to average assets | 0.0691% | 6,487 |
| Noninterest expense to average assets | 2.9263% | 3,291 |
| Loan and lease loss provision to assets | -0.1740% | 6,573 |
| Net operating income to assets | 0.4526% | 4,941 |
| Return on assets (ROA) | 0.4839% | 4,942 |
| Pretax return on assets | 0.7474% | 4,353 |
| Return on Equity (ROE) | 5.5684% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.2174% | 3,173 |
| Net charge-offs to loans | 0.0047% | 5,386 |
| Credit loss provision to net charge-offs | -5,840.0000% | 6,378 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 263 |
| Efficiency ratio | 84.7867% | 1,541 |
| Assets per employee ($millions) | 5.3351% | 1,813 |
| Cash dividends to net income (ytd only)* | 24.2611% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,042 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 4,318 |
| Noncurrent loans to loans | 0.0953% | 5,925 |
| Net loans and leases to total assets | 63.7055% | 3,091 |
| Net loans and leases to deposits | 75.5797% | 3,012 |
| Net loans and leases to core deposits | 85.7492% | 2,477 |
| Total domestic deposits to total assets | 84.2892% | 4,055 |
| Equity capital to assets | 8.3715% | 5,720 |
| Core capital (leverage) ratio | 8.1367% | 6,023 |
| Tier 1 risk-based capital ratio | 12.3950% | 5,357 |
| Total risk-based capital ratio | 13.6455% | 5,298 |
| Memoranda: | ||
| Average total assets | $167,787,600 | 3,446 |
| Average earning assets | $153,668,800 | 3,441 |
| Average equity | $14,582,400 | 3,949 |
| Average total loans | $106,271,800 | 3,319 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 2,233 |
| Cost of funding earning assets | 0.8683% | 957 |
| Net interest margin | 3.6303% | 3,321 |
| Noninterest income to average assets | 0.0024% | 6,735 |
| Noninterest expense to average assets | 2.8756% | 3,391 |
| Loan and lease loss provision to assets | -0.2450% | 6,748 |
| Net operating income to assets | 0.4436% | 5,049 |
| Return on assets (ROA) | 0.4845% | 5,027 |
| Pretax return on assets | 0.7590% | 4,459 |
| Return on Equity (ROE) | 5.5224% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.1941% | 3,699 |
| Net charge-offs to loans | 0.0152% | 4,825 |
| Credit loss provision to net charge-offs | -2,558.3333% | 6,300 |
| Earnings coverage of net charge-offs (x) | 46.9988% | 900 |
| Efficiency ratio | 86.4651% | 1,322 |
| Assets per employee ($millions) | 5.3553% | 1,788 |
| Cash dividends to net income (ytd only)* | 24.0526% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,332 |
| Loan loss allowance to noncurrent loans | 1,069.4030% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 4,344 |
| Noncurrent loans to loans | 0.1225% | 5,963 |
| Net loans and leases to total assets | 63.0002% | 3,164 |
| Net loans and leases to deposits | 73.1414% | 3,369 |
| Net loans and leases to core deposits | 83.2696% | 2,731 |
| Total domestic deposits to total assets | 86.1348% | 3,176 |
| Equity capital to assets | 8.3754% | 5,857 |
| Core capital (leverage) ratio | 8.1887% | 6,075 |
| Tier 1 risk-based capital ratio | 12.2036% | 5,643 |
| Total risk-based capital ratio | 13.4539% | 5,580 |
| Memoranda: | ||
| Average total assets | $167,053,750 | 3,492 |
| Average earning assets | $152,932,000 | 3,484 |
| Average equity | $14,655,000 | 3,979 |
| Average total loans | $105,286,000 | 3,358 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 2,270 |
| Cost of funding earning assets | 0.8994% | 904 |
| Net interest margin | 3.5819% | 3,444 |
| Noninterest income to average assets | -0.1002% | 6,848 |
| Noninterest expense to average assets | 2.9019% | 3,327 |
| Loan and lease loss provision to assets | -0.3828% | 6,855 |
| Net operating income to assets | 0.4212% | 5,136 |
| Return on assets (ROA) | 0.4830% | 5,045 |
| Pretax return on assets | 0.7523% | 4,500 |
| Return on Equity (ROE) | 5.4216% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.1069% | 3,679 |
| Net charge-offs to loans | 0.0135% | 4,578 |
| Credit loss provision to net charge-offs | -4,528.5714% | 6,224 |
| Earnings coverage of net charge-offs (x) | 32.2857% | 1,093 |
| Efficiency ratio | 91.4036% | 943 |
| Assets per employee ($millions) | 5.3382% | 1,754 |
| Cash dividends to net income (ytd only)* | 24.2500% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,131 |
| Loan loss allowance to noncurrent loans | 236.4238% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 3,860 |
| Noncurrent loans to loans | 0.5834% | 4,799 |
| Net loans and leases to total assets | 61.7020% | 3,350 |
| Net loans and leases to deposits | 70.6056% | 3,643 |
| Net loans and leases to core deposits | 80.6239% | 2,964 |
| Total domestic deposits to total assets | 87.3897% | 2,597 |
| Equity capital to assets | 8.6661% | 5,596 |
| Core capital (leverage) ratio | 8.3061% | 5,883 |
| Tier 1 risk-based capital ratio | 12.5330% | 5,474 |
| Total risk-based capital ratio | 13.7844% | 5,414 |
| Memoranda: | ||
| Average total assets | $165,614,670 | 3,535 |
| Average earning assets | $151,426,330 | 3,528 |
| Average equity | $14,755,670 | 3,995 |
| Average total loans | $103,915,670 | 3,405 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 2,206 |
| Cost of funding earning assets | 0.9265% | 864 |
| Net interest margin | 3.5635% | 3,417 |
| Noninterest income to average assets | 0.3018% | 5,287 |
| Noninterest expense to average assets | 2.8658% | 3,480 |
| Loan and lease loss provision to assets | 0.0362% | 3,985 |
| Net operating income to assets | 0.4264% | 5,018 |
| Return on assets (ROA) | 0.4829% | 4,921 |
| Pretax return on assets | 0.7460% | 4,391 |
| Return on Equity (ROE) | 5.3465% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.0634% | 3,787 |
| Net charge-offs to loans | -0.0154% | 5,603 |
| Credit loss provision to net charge-offs | -375.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4746% | 2,258 |
| Assets per employee ($millions) | 5.5598% | 1,614 |
| Cash dividends to net income (ytd only)* | 24.0000% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 3,068 |
| Loan loss allowance to noncurrent loans | 101.1422% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 2,810 |
| Noncurrent loans to loans | 1.6667% | 3,044 |
| Net loans and leases to total assets | 61.9257% | 3,077 |
| Net loans and leases to deposits | 71.1626% | 3,300 |
| Net loans and leases to core deposits | 82.3460% | 2,528 |
| Total domestic deposits to total assets | 87.0200% | 2,949 |
| Equity capital to assets | 8.9547% | 5,552 |
| Core capital (leverage) ratio | 8.2748% | 5,852 |
| Tier 1 risk-based capital ratio | 12.4513% | 5,610 |
| Total risk-based capital ratio | 13.7057% | 5,553 |
| Memoranda: | ||
| Average total assets | $165,680,000 | 3,571 |
| Average earning assets | $151,536,000 | 3,563 |
| Average equity | $14,963,000 | 4,005 |
| Average total loans | $104,106,000 | 3,416 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 1,935 |
| Cost of funding earning assets | 1.1745% | 652 |
| Net interest margin | 3.6982% | 3,650 |
| Noninterest income to average assets | 0.1629% | 6,221 |
| Noninterest expense to average assets | 2.9603% | 3,426 |
| Loan and lease loss provision to assets | 0.8440% | 561 |
| Net operating income to assets | 0.7093% | 3,698 |
| Return on assets (ROA) | 0.7093% | 3,950 |
| Pretax return on assets | -0.2450% | 6,451 |
| Return on Equity (ROE) | 7.9166% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.5904% | 1,772 |
| Net charge-offs to loans | 1.2847% | 759 |
| Credit loss provision to net charge-offs | 103.1437% | 2,908 |
| Earnings coverage of net charge-offs (x) | 0.7320% | 5,115 |
| Efficiency ratio | 83.1699% | 1,722 |
| Assets per employee ($millions) | 5.4855% | 1,694 |
| Cash dividends to net income (ytd only)* | 16.7530% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 2,939 |
| Loan loss allowance to noncurrent loans | 957.3770% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 4,709 |
| Noncurrent loans to loans | 0.1774% | 6,032 |
| Net loans and leases to total assets | 61.6170% | 3,313 |
| Net loans and leases to deposits | 72.1477% | 3,389 |
| Net loans and leases to core deposits | 85.8791% | 2,324 |
| Total domestic deposits to total assets | 85.4039% | 3,661 |
| Equity capital to assets | 9.1089% | 5,394 |
| Core capital (leverage) ratio | 8.2951% | 5,892 |
| Tier 1 risk-based capital ratio | 12.5016% | 5,480 |
| Total risk-based capital ratio | 13.7566% | 5,425 |
| Memoranda: | ||
| Average total assets | $163,262,400 | 3,563 |
| Average earning assets | $149,936,000 | 3,551 |
| Average equity | $14,627,400 | 4,035 |
| Average total loans | $103,996,800 | 3,429 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 1,856 |
| Cost of funding earning assets | 1.2228% | 630 |
| Net interest margin | 3.7200% | 3,702 |
| Noninterest income to average assets | 0.1399% | 6,442 |
| Noninterest expense to average assets | 2.7732% | 4,080 |
| Loan and lease loss provision to assets | 0.7561% | 650 |
| Net operating income to assets | 1.1718% | 1,825 |
| Return on assets (ROA) | 1.1718% | 2,018 |
| Pretax return on assets | 0.0336% | 6,361 |
| Return on Equity (ROE) | 13.1342% | 1,305 |
| Retained earnings to average equity (ytd only) | 11.8043% | 562 |
| Net charge-offs to loans | 1.2590% | 758 |
| Credit loss provision to net charge-offs | 93.9024% | 3,178 |
| Earnings coverage of net charge-offs (x) | 0.9807% | 4,832 |
| Efficiency ratio | 77.8365% | 2,417 |
| Assets per employee ($millions) | 5.5265% | 1,612 |
| Cash dividends to net income (ytd only)* | 10.1258% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 3,452 |
| Loan loss allowance to noncurrent loans | 298.3725% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 4,429 |
| Noncurrent loans to loans | 0.5424% | 5,357 |
| Net loans and leases to total assets | 60.4992% | 3,674 |
| Net loans and leases to deposits | 69.9192% | 3,906 |
| Net loans and leases to core deposits | 83.2481% | 2,786 |
| Total domestic deposits to total assets | 86.5273% | 2,968 |
| Equity capital to assets | 9.2657% | 5,514 |
| Core capital (leverage) ratio | 8.4408% | 5,834 |
| Tier 1 risk-based capital ratio | 12.9246% | 5,316 |
| Total risk-based capital ratio | 14.1779% | 5,277 |
| Memoranda: | ||
| Average total assets | $162,936,750 | 3,604 |
| Average earning assets | $149,924,750 | 3,585 |
| Average equity | $14,536,750 | 4,094 |
| Average total loans | $104,208,000 | 3,453 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 1,960 |
| Cost of funding earning assets | 1.2542% | 634 |
| Net interest margin | 3.6863% | 3,890 |
| Noninterest income to average assets | 0.0827% | 6,749 |
| Noninterest expense to average assets | 2.7818% | 4,088 |
| Loan and lease loss provision to assets | 1.0668% | 408 |
| Net operating income to assets | 1.5174% | 963 |
| Return on assets (ROA) | 1.5174% | 1,084 |
| Pretax return on assets | -0.3655% | 6,677 |
| Return on Equity (ROE) | 17.2350% | 609 |
| Retained earnings to average equity (ytd only) | 15.8607% | 231 |
| Net charge-offs to loans | 1.7835% | 498 |
| Credit loss provision to net charge-offs | 92.3077% | 2,971 |
| Earnings coverage of net charge-offs (x) | 0.6068% | 4,762 |
| Efficiency ratio | 79.8653% | 2,207 |
| Assets per employee ($millions) | 5.5697% | 1,561 |
| Cash dividends to net income (ytd only)* | 7.9740% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 3,608 |
| Loan loss allowance to noncurrent loans | 50.8065% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.6141% | 2,119 |
| Noncurrent loans to loans | 3.1485% | 1,857 |
| Net loans and leases to total assets | 60.3027% | 3,767 |
| Net loans and leases to deposits | 74.9230% | 3,138 |
| Net loans and leases to core deposits | 85.2411% | 2,527 |
| Total domestic deposits to total assets | 80.4862% | 5,617 |
| Equity capital to assets | 8.9861% | 5,716 |
| Core capital (leverage) ratio | 8.2737% | 5,957 |
| Tier 1 risk-based capital ratio | 12.4410% | 5,613 |
| Total risk-based capital ratio | 13.6944% | 5,587 |
| Memoranda: | ||
| Average total assets | $161,984,330 | 3,627 |
| Average earning assets | $149,416,670 | 3,614 |
| Average equity | $14,261,670 | 4,144 |
| Average total loans | $104,959,330 | 3,458 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 1,702 |
| Cost of funding earning assets | 1.2744% | 702 |
| Net interest margin | 3.7825% | 3,473 |
| Noninterest income to average assets | 0.1957% | 6,214 |
| Noninterest expense to average assets | 2.7975% | 4,041 |
| Loan and lease loss provision to assets | 0.1656% | 3,319 |
| Net operating income to assets | 0.7326% | 3,724 |
| Return on assets (ROA) | 0.7326% | 3,958 |
| Pretax return on assets | 0.7326% | 4,679 |
| Return on Equity (ROE) | 8.4120% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.0292% | 2,426 |
| Net charge-offs to loans | 0.8471% | 1,212 |
| Credit loss provision to net charge-offs | 29.3333% | 3,636 |
| Earnings coverage of net charge-offs (x) | 1.5911% | 3,533 |
| Efficiency ratio | 75.6959% | 2,825 |
| Assets per employee ($millions) | 5.6048% | 1,605 |
| Cash dividends to net income (ytd only)* | 16.4384% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 4,303 |
| Loan loss allowance to noncurrent loans | 127.0270% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.8961% | 3,049 |
| Noncurrent loans to loans | 1.1553% | 4,400 |
| Net loans and leases to total assets | 64.0661% | 2,838 |
| Net loans and leases to deposits | 80.8285% | 2,080 |
| Net loans and leases to core deposits | 94.7008% | 1,398 |
| Total domestic deposits to total assets | 79.2617% | 6,021 |
| Equity capital to assets | 8.6280% | 5,953 |
| Core capital (leverage) ratio | 8.5890% | 5,457 |
| Tier 1 risk-based capital ratio | 12.1650% | 5,855 |
| Total risk-based capital ratio | 13.4172% | 5,828 |
| Memoranda: | ||
| Average total assets | $159,430,500 | 3,698 |
| Average earning assets | $147,521,000 | 3,669 |
| Average equity | $13,885,000 | 4,221 |
| Average total loans | $106,239,500 | 3,452 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3530% | 1,555 |
| Cost of funding earning assets | 1.5312% | 635 |
| Net interest margin | 3.8218% | 3,711 |
| Noninterest income to average assets | 0.2144% | 5,988 |
| Noninterest expense to average assets | 2.8632% | 4,116 |
| Loan and lease loss provision to assets | 0.4573% | 2,311 |
| Net operating income to assets | 0.4374% | 4,701 |
| Return on assets (ROA) | 0.6644% | 3,853 |
| Pretax return on assets | 0.6644% | 4,456 |
| Return on Equity (ROE) | 7.5033% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.0416% | 1,993 |
| Net charge-offs to loans | 0.9072% | 1,913 |
| Credit loss provision to net charge-offs | 70.3061% | 4,834 |
| Earnings coverage of net charge-offs (x) | 1.3755% | 4,741 |
| Efficiency ratio | 76.1922% | 2,863 |
| Assets per employee ($millions) | 5.2107% | 1,933 |
| Cash dividends to net income (ytd only)* | 19.4805% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,584 |
| Loan loss allowance to noncurrent loans | 60.1689% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.0010% | 2,959 |
| Noncurrent loans to loans | 2.6612% | 2,443 |
| Net loans and leases to total assets | 67.2239% | 2,533 |
| Net loans and leases to deposits | 85.1560% | 1,781 |
| Net loans and leases to core deposits | 100.2308% | 1,157 |
| Total domestic deposits to total assets | 78.9420% | 6,007 |
| Equity capital to assets | 8.7934% | 5,803 |
| Core capital (leverage) ratio | 8.6801% | 5,281 |
| Tier 1 risk-based capital ratio | 12.1049% | 5,757 |
| Total risk-based capital ratio | 13.3591% | 5,736 |
| Memoranda: | ||
| Average total assets | $150,670,800 | 3,784 |
| Average earning assets | $139,696,800 | 3,755 |
| Average equity | $13,340,800 | 4,269 |
| Average total loans | $108,018,800 | 3,428 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 1,530 |
| Cost of funding earning assets | 1.5766% | 645 |
| Net interest margin | 3.8173% | 3,783 |
| Noninterest income to average assets | 0.2046% | 6,143 |
| Noninterest expense to average assets | 2.9032% | 3,921 |
| Loan and lease loss provision to assets | 0.2850% | 3,239 |
| Net operating income to assets | 0.5547% | 4,299 |
| Return on assets (ROA) | 0.6387% | 4,111 |
| Pretax return on assets | 0.6387% | 4,690 |
| Return on Equity (ROE) | 7.2005% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.7201% | 2,731 |
| Net charge-offs to loans | 0.8407% | 1,896 |
| Credit loss provision to net charge-offs | 46.7057% | 5,108 |
| Earnings coverage of net charge-offs (x) | 1.3763% | 4,592 |
| Efficiency ratio | 77.5656% | 2,600 |
| Assets per employee ($millions) | 5.2910% | 1,825 |
| Cash dividends to net income (ytd only)* | 20.5599% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,944 |
| Loan loss allowance to noncurrent loans | 160.6477% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 5,056 |
| Noncurrent loans to loans | 0.9548% | 4,978 |
| Net loans and leases to total assets | 68.4845% | 2,377 |
| Net loans and leases to deposits | 85.7630% | 1,714 |
| Net loans and leases to core deposits | 101.6660% | 1,109 |
| Total domestic deposits to total assets | 79.8532% | 5,777 |
| Equity capital to assets | 8.9840% | 5,773 |
| Core capital (leverage) ratio | 8.7163% | 5,380 |
| Tier 1 risk-based capital ratio | 12.0247% | 5,875 |
| Total risk-based capital ratio | 13.2776% | 5,867 |
| Memoranda: | ||
| Average total assets | $149,258,250 | 3,836 |
| Average earning assets | $138,350,750 | 3,799 |
| Average equity | $13,239,500 | 4,298 |
| Average total loans | $108,324,750 | 3,456 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4585% | 1,391 |
| Cost of funding earning assets | 1.6419% | 583 |
| Net interest margin | 3.8166% | 3,705 |
| Noninterest income to average assets | 0.2042% | 6,205 |
| Noninterest expense to average assets | 2.9554% | 3,807 |
| Loan and lease loss provision to assets | 0.3124% | 2,921 |
| Net operating income to assets | 0.4734% | 4,627 |
| Return on assets (ROA) | 0.6005% | 4,199 |
| Pretax return on assets | 0.6005% | 4,740 |
| Return on Equity (ROE) | 6.8006% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.2996% | 2,814 |
| Net charge-offs to loans | 0.2425% | 3,665 |
| Credit loss provision to net charge-offs | 175.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 4.4015% | 2,867 |
| Efficiency ratio | 78.9949% | 2,558 |
| Assets per employee ($millions) | 5.1281% | 1,959 |
| Cash dividends to net income (ytd only)* | 22.0721% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 2,484 |
| Loan loss allowance to noncurrent loans | 1,390.7285% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 6,556 |
| Noncurrent loans to loans | 0.1409% | 6,623 |
| Net loans and leases to total assets | 70.6748% | 2,077 |
| Net loans and leases to deposits | 88.8213% | 1,393 |
| Net loans and leases to core deposits | 104.8450% | 995 |
| Total domestic deposits to total assets | 79.5696% | 5,937 |
| Equity capital to assets | 8.8928% | 5,713 |
| Core capital (leverage) ratio | 8.7025% | 5,223 |
| Tier 1 risk-based capital ratio | 12.0053% | 5,783 |
| Total risk-based capital ratio | 13.2637% | 5,744 |
| Memoranda: | ||
| Average total assets | $147,864,670 | 3,886 |
| Average earning assets | $137,033,330 | 3,835 |
| Average equity | $13,057,670 | 4,327 |
| Average total loans | $108,860,000 | 3,484 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4543% | 1,419 |
| Cost of funding earning assets | 1.6708% | 629 |
| Net interest margin | 3.7835% | 3,686 |
| Noninterest income to average assets | 0.1682% | 6,523 |
| Noninterest expense to average assets | 2.9165% | 3,994 |
| Loan and lease loss provision to assets | 0.2008% | 3,627 |
| Net operating income to assets | 0.5589% | 4,240 |
| Return on assets (ROA) | 0.5589% | 4,319 |
| Pretax return on assets | 0.5589% | 4,833 |
| Return on Equity (ROE) | 6.3512% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.8405% | 3,286 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3358% | 2,642 |
| Assets per employee ($millions) | 5.1470% | 1,965 |
| Cash dividends to net income (ytd only)* | 23.7864% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 2,664 |
| Loan loss allowance to noncurrent loans | 5,763.8889% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 6,793 |
| Noncurrent loans to loans | 0.0331% | 6,974 |
| Net loans and leases to total assets | 71.4238% | 1,832 |
| Net loans and leases to deposits | 89.8669% | 1,247 |
| Net loans and leases to core deposits | 111.0128% | 683 |
| Total domestic deposits to total assets | 79.4773% | 6,063 |
| Equity capital to assets | 8.7047% | 5,651 |
| Core capital (leverage) ratio | 8.7437% | 5,009 |
| Tier 1 risk-based capital ratio | 11.6251% | 6,005 |
| Total risk-based capital ratio | 12.8827% | 5,986 |
| Memoranda: | ||
| Average total assets | $147,439,500 | 3,924 |
| Average earning assets | $136,699,000 | 3,880 |
| Average equity | $12,974,000 | 4,342 |
| Average total loans | $109,688,000 | 3,498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 1,744 |
| Cost of funding earning assets | 1.9847% | 638 |
| Net interest margin | 3.6669% | 4,503 |
| Noninterest income to average assets | 0.1797% | 6,465 |
| Noninterest expense to average assets | 2.8481% | 4,411 |
| Loan and lease loss provision to assets | 0.4381% | 3,491 |
| Net operating income to assets | 0.2598% | 5,080 |
| Return on assets (ROA) | 0.4713% | 4,389 |
| Pretax return on assets | 0.5099% | 4,588 |
| Return on Equity (ROE) | 5.4491% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.9281% | 3,109 |
| Net charge-offs to loans | 0.0717% | 6,081 |
| Credit loss provision to net charge-offs | 807.5000% | 269 |
| Earnings coverage of net charge-offs (x) | 13.2375% | 1,428 |
| Efficiency ratio | 79.8631% | 2,434 |
| Assets per employee ($millions) | 5.0212% | 2,134 |
| Cash dividends to net income (ytd only)* | 27.9137% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,837 |
| Loan loss allowance to noncurrent loans | 25,012.5000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 7,060 |
| Noncurrent loans to loans | 0.0072% | 7,147 |
| Net loans and leases to total assets | 74.6420% | 1,549 |
| Net loans and leases to deposits | 93.8074% | 1,078 |
| Net loans and leases to core deposits | 115.6818% | 658 |
| Total domestic deposits to total assets | 79.5694% | 5,946 |
| Equity capital to assets | 8.8967% | 5,286 |
| Core capital (leverage) ratio | 8.5572% | 5,262 |
| Tier 1 risk-based capital ratio | 11.2716% | 6,115 |
| Total risk-based capital ratio | 12.5285% | 6,094 |
| Memoranda: | ||
| Average total assets | $147,468,800 | 3,921 |
| Average earning assets | $136,191,200 | 3,893 |
| Average equity | $12,754,400 | 4,408 |
| Average total loans | $111,513,200 | 3,508 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 1,910 |
| Cost of funding earning assets | 2.0207% | 708 |
| Net interest margin | 3.6204% | 4,783 |
| Noninterest income to average assets | 0.1757% | 6,624 |
| Noninterest expense to average assets | 2.8138% | 4,424 |
| Loan and lease loss provision to assets | 0.5029% | 2,945 |
| Net operating income to assets | 0.1793% | 5,565 |
| Return on assets (ROA) | 0.4542% | 4,710 |
| Pretax return on assets | 0.5056% | 4,908 |
| Return on Equity (ROE) | 5.2894% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.7572% | 3,817 |
| Net charge-offs to loans | 0.0632% | 5,882 |
| Credit loss provision to net charge-offs | 1,052.8302% | 283 |
| Earnings coverage of net charge-offs (x) | 14.7179% | 1,487 |
| Efficiency ratio | 80.0103% | 2,334 |
| Assets per employee ($millions) | 5.1102% | 2,044 |
| Cash dividends to net income (ytd only)* | 28.9681% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 2,996 |
| Loan loss allowance to noncurrent loans | 21,555.5556% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 7,175 |
| Noncurrent loans to loans | 0.0081% | 7,254 |
| Net loans and leases to total assets | 73.4995% | 1,915 |
| Net loans and leases to deposits | 92.6784% | 1,362 |
| Net loans and leases to core deposits | 114.4352% | 817 |
| Total domestic deposits to total assets | 79.3059% | 5,932 |
| Equity capital to assets | 8.7046% | 5,999 |
| Core capital (leverage) ratio | 8.4887% | 5,533 |
| Tier 1 risk-based capital ratio | 11.0952% | 6,288 |
| Total risk-based capital ratio | 12.3509% | 6,281 |
| Memoranda: | ||
| Average total assets | $147,932,250 | 3,958 |
| Average earning assets | $136,518,250 | 3,930 |
| Average equity | $12,704,250 | 4,500 |
| Average total loans | $111,718,750 | 3,559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6600% | 1,909 |
| Cost of funding earning assets | 2.0617% | 751 |
| Net interest margin | 3.5984% | 4,815 |
| Noninterest income to average assets | 0.1907% | 6,538 |
| Noninterest expense to average assets | 2.8016% | 4,472 |
| Loan and lease loss provision to assets | 0.6372% | 2,250 |
| Net operating income to assets | 0.0613% | 5,968 |
| Return on assets (ROA) | 0.4112% | 4,862 |
| Pretax return on assets | 0.4884% | 4,941 |
| Return on Equity (ROE) | 4.8105% | 4,379 |
| Retained earnings to average equity (ytd only) | 3.2756% | 4,016 |
| Net charge-offs to loans | 0.0554% | 5,611 |
| Credit loss provision to net charge-offs | 1,519.3548% | 260 |
| Earnings coverage of net charge-offs (x) | 16.9032% | 1,382 |
| Efficiency ratio | 79.8073% | 2,466 |
| Assets per employee ($millions) | 5.1110% | 2,030 |
| Cash dividends to net income (ytd only)* | 31.9079% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 3,117 |
| Loan loss allowance to noncurrent loans | 5,514.7059% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 7,091 |
| Noncurrent loans to loans | 0.0306% | 7,247 |
| Net loans and leases to total assets | 73.5974% | 2,006 |
| Net loans and leases to deposits | 92.6845% | 1,434 |
| Net loans and leases to core deposits | 115.7804% | 853 |
| Total domestic deposits to total assets | 79.4063% | 5,916 |
| Equity capital to assets | 8.6446% | 5,950 |
| Core capital (leverage) ratio | 8.3863% | 5,600 |
| Tier 1 risk-based capital ratio | 10.7821% | 6,459 |
| Total risk-based capital ratio | 12.0367% | 6,441 |
| Memoranda: | ||
| Average total assets | $147,844,000 | 4,001 |
| Average earning assets | $136,395,000 | 3,963 |
| Average equity | $12,639,000 | 4,517 |
| Average total loans | $112,003,670 | 3,579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6432% | 1,978 |
| Cost of funding earning assets | 2.0876% | 848 |
| Net interest margin | 3.5556% | 4,921 |
| Noninterest income to average assets | 0.1842% | 6,639 |
| Noninterest expense to average assets | 2.8011% | 4,479 |
| Loan and lease loss provision to assets | 1.0213% | 1,218 |
| Net operating income to assets | -0.2567% | 6,610 |
| Return on assets (ROA) | 0.3440% | 5,232 |
| Pretax return on assets | 0.4768% | 5,040 |
| Return on Equity (ROE) | 4.0472% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.5175% | 4,622 |
| Net charge-offs to loans | 0.0284% | 5,171 |
| Credit loss provision to net charge-offs | 4,712.5000% | 104 |
| Earnings coverage of net charge-offs (x) | 30.6250% | 860 |
| Efficiency ratio | 80.8444% | 2,432 |
| Assets per employee ($millions) | 5.2358% | 1,932 |
| Cash dividends to net income (ytd only)* | 37.7953% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 3,434 |
| Loan loss allowance to noncurrent loans | 1,002.2222% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 7,082 |
| Noncurrent loans to loans | 0.1599% | 7,022 |
| Net loans and leases to total assets | 75.5677% | 1,627 |
| Net loans and leases to deposits | 95.4754% | 1,171 |
| Net loans and leases to core deposits | 119.9236% | 788 |
| Total domestic deposits to total assets | 79.1488% | 6,042 |
| Equity capital to assets | 8.5340% | 5,952 |
| Core capital (leverage) ratio | 8.3327% | 5,683 |
| Tier 1 risk-based capital ratio | 10.5181% | 6,615 |
| Total risk-based capital ratio | 11.7721% | 6,604 |
| Memoranda: | ||
| Average total assets | $147,656,000 | 4,048 |
| Average earning assets | $136,234,000 | 4,033 |
| Average equity | $12,552,000 | 4,574 |
| Average total loans | $112,525,000 | 3,635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8246% | 2,554 |
| Cost of funding earning assets | 2.7792% | 471 |
| Net interest margin | 3.0454% | 6,528 |
| Noninterest income to average assets | 0.1724% | 6,845 |
| Noninterest expense to average assets | 2.8226% | 4,878 |
| Loan and lease loss provision to assets | 1.4429% | 1,597 |
| Net operating income to assets | -2.0839% | 7,126 |
| Return on assets (ROA) | -2.3802% | 7,228 |
| Pretax return on assets | -1.5857% | 6,747 |
| Return on Equity (ROE) | -28.6806% | 7,383 |
| Retained earnings to average equity (ytd only) | -29.9057% | 7,383 |
| Net charge-offs to loans | 1.7892% | 1,398 |
| Credit loss provision to net charge-offs | 108.1777% | 5,123 |
| Earnings coverage of net charge-offs (x) | 0.1151% | 6,042 |
| Efficiency ratio | 94.8416% | 1,360 |
| Assets per employee ($millions) | 5.3111% | 1,831 |
| Cash dividends to net income (ytd only)* | -4.2716% | 7,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,901 |
| Loan loss allowance to noncurrent loans | 1,913.3333% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 7,373 |
| Noncurrent loans to loans | 0.0667% | 7,256 |
| Net loans and leases to total assets | 74.6602% | 2,104 |
| Net loans and leases to deposits | 93.9315% | 1,601 |
| Net loans and leases to core deposits | 164.1503% | 296 |
| Total domestic deposits to total assets | 79.4837% | 5,852 |
| Equity capital to assets | 8.4681% | 5,931 |
| Core capital (leverage) ratio | 8.1287% | 5,945 |
| Tier 1 risk-based capital ratio | 10.3399% | 6,548 |
| Total risk-based capital ratio | 11.5739% | 6,534 |
| Memoranda: | ||
| Average total assets | $148,517,600 | 3,978 |
| Average earning assets | $136,729,800 | 3,963 |
| Average equity | $12,325,400 | 4,669 |
| Average total loans | $110,721,600 | 3,676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8084% | 2,851 |
| Cost of funding earning assets | 2.8934% | 474 |
| Net interest margin | 2.9149% | 6,822 |
| Noninterest income to average assets | 0.1527% | 7,093 |
| Noninterest expense to average assets | 2.8171% | 4,820 |
| Loan and lease loss provision to assets | 1.7521% | 1,053 |
| Net operating income to assets | -2.7938% | 7,538 |
| Return on assets (ROA) | -3.1889% | 7,632 |
| Pretax return on assets | -2.1292% | 7,226 |
| Return on Equity (ROE) | -38.6226% | 7,740 |
| Retained earnings to average equity (ytd only) | -39.7319% | 7,744 |
| Net charge-offs to loans | 2.1785% | 887 |
| Credit loss provision to net charge-offs | 108.2686% | 4,695 |
| Earnings coverage of net charge-offs (x) | 0.0111% | 6,052 |
| Efficiency ratio | 99.3665% | 1,091 |
| Assets per employee ($millions) | 5.4539% | 1,662 |
| Cash dividends to net income (ytd only)* | -2.8725% | 7,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 4,587 |
| Loan loss allowance to noncurrent loans | 166.9014% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 6,009 |
| Noncurrent loans to loans | 0.7707% | 5,757 |
| Net loans and leases to total assets | 74.1050% | 2,491 |
| Net loans and leases to deposits | 93.2596% | 2,007 |
| Net loans and leases to core deposits | 161.7850% | 354 |
| Total domestic deposits to total assets | 79.4609% | 5,640 |
| Equity capital to assets | 8.6231% | 6,082 |
| Core capital (leverage) ratio | 8.2311% | 5,962 |
| Tier 1 risk-based capital ratio | 10.5633% | 6,399 |
| Total risk-based capital ratio | 11.8085% | 6,368 |
| Memoranda: | ||
| Average total assets | $148,469,250 | 4,001 |
| Average earning assets | $136,627,250 | 3,993 |
| Average equity | $12,258,500 | 4,729 |
| Average total loans | $110,286,250 | 3,726 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7964% | 3,061 |
| Cost of funding earning assets | 2.9876% | 493 |
| Net interest margin | 2.8088% | 6,998 |
| Noninterest income to average assets | 0.1384% | 7,264 |
| Noninterest expense to average assets | 2.8669% | 4,652 |
| Loan and lease loss provision to assets | 2.5364% | 611 |
| Net operating income to assets | -4.2748% | 7,866 |
| Return on assets (ROA) | -4.8659% | 7,918 |
| Pretax return on assets | -3.2806% | 7,628 |
| Return on Equity (ROE) | -59.8085% | 7,971 |
| Retained earnings to average equity (ytd only) | -60.6836% | 7,969 |
| Net charge-offs to loans | 3.1924% | 506 |
| Credit loss provision to net charge-offs | 107.3337% | 4,299 |
| Earnings coverage of net charge-offs (x) | -0.0648% | 5,763 |
| Efficiency ratio | 105.6436% | 975 |
| Assets per employee ($millions) | 5.3605% | 1,708 |
| Cash dividends to net income (ytd only)* | -1.4633% | 7,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 4,501 |
| Loan loss allowance to noncurrent loans | 20,028.5714% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,644 |
| Noncurrent loans to loans | 0.0063% | 7,554 |
| Net loans and leases to total assets | 72.8923% | 2,977 |
| Net loans and leases to deposits | 89.0146% | 2,988 |
| Net loans and leases to core deposits | 148.4491% | 693 |
| Total domestic deposits to total assets | 81.8880% | 4,735 |
| Equity capital to assets | 8.2635% | 6,393 |
| Core capital (leverage) ratio | 8.0631% | 6,227 |
| Tier 1 risk-based capital ratio | 10.3376% | 6,553 |
| Total risk-based capital ratio | 11.5424% | 6,539 |
| Memoranda: | ||
| Average total assets | $148,873,670 | 4,013 |
| Average earning assets | $136,499,670 | 4,019 |
| Average equity | $12,112,000 | 4,781 |
| Average total loans | $110,199,670 | 3,762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7642% | 3,463 |
| Cost of funding earning assets | 3.0523% | 528 |
| Net interest margin | 2.7119% | 7,178 |
| Noninterest income to average assets | 0.0674% | 7,729 |
| Noninterest expense to average assets | 2.9407% | 4,010 |
| Loan and lease loss provision to assets | 5.0936% | 157 |
| Net operating income to assets | -8.6603% | 8,157 |
| Return on assets (ROA) | -9.8473% | 8,162 |
| Pretax return on assets | -6.6611% | 8,071 |
| Return on Equity (ROE) | -122.0073% | 8,165 |
| Retained earnings to average equity (ytd only) | -122.0073% | 8,163 |
| Net charge-offs to loans | 6.2824% | 145 |
| Credit loss provision to net charge-offs | 109.3859% | 3,520 |
| Earnings coverage of net charge-offs (x) | -0.0817% | 5,056 |
| Efficiency ratio | 114.8577% | 719 |
| Assets per employee ($millions) | 4.7976% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.7025% | 2,829 |
| Net loans and leases to deposits | 90.7476% | 2,821 |
| Net loans and leases to core deposits | 154.7259% | 588 |
| Total domestic deposits to total assets | 81.2170% | 4,885 |
| Equity capital to assets | 8.0968% | 6,677 |
| Core capital (leverage) ratio | 7.7318% | 6,845 |
| Tier 1 risk-based capital ratio | 9.8858% | 7,054 |
| Total risk-based capital ratio | 11.1106% | 6,974 |
| Memoranda: | ||
| Average total assets | $148,263,500 | 4,041 |
| Average earning assets | $136,290,500 | 4,032 |
| Average equity | $11,966,500 | 4,844 |
| Average total loans | $109,895,000 | 3,791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4692% | 3,122 |
| Cost of funding earning assets | 3.4966% | 524 |
| Net interest margin | 2.9725% | 6,978 |
| Noninterest income to average assets | -0.0036% | 8,154 |
| Noninterest expense to average assets | 2.8562% | 4,579 |
| Loan and lease loss provision to assets | 1.1560% | 1,261 |
| Net operating income to assets | -0.7935% | 7,132 |
| Return on assets (ROA) | -0.6455% | 6,926 |
| Pretax return on assets | -1.0562% | 7,035 |
| Return on Equity (ROE) | -7.4195% | 7,084 |
| Retained earnings to average equity (ytd only) | -7.4195% | 6,825 |
| Net charge-offs to loans | 1.2565% | 953 |
| Credit loss provision to net charge-offs | 122.7134% | 4,378 |
| Earnings coverage of net charge-offs (x) | -0.1395% | 6,343 |
| Efficiency ratio | 104.8221% | 844 |
| Assets per employee ($millions) | 4.9267% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 4,770 |
| Loan loss allowance to noncurrent loans | 324.7449% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,517 |
| Noncurrent loans to loans | 0.3605% | 6,285 |
| Net loans and leases to total assets | 72.7108% | 3,433 |
| Net loans and leases to deposits | 90.1887% | 3,421 |
| Net loans and leases to core deposits | 156.2580% | 660 |
| Total domestic deposits to total assets | 80.6207% | 4,799 |
| Equity capital to assets | 8.0452% | 6,786 |
| Core capital (leverage) ratio | 6.9795% | 7,712 |
| Tier 1 risk-based capital ratio | 8.9710% | 7,800 |
| Total risk-based capital ratio | 10.0761% | 7,938 |
| Memoranda: | ||
| Average total assets | $139,275,000 | 4,098 |
| Average earning assets | $127,837,200 | 4,088 |
| Average equity | $12,116,800 | 4,804 |
| Average total loans | $104,418,600 | 3,839 |