Home > Century Bank of the Ozarks > Performance and Condition Ratios
Century Bank of the Ozarks, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7516% | 732 |
| Cost of funding earning assets | 0.7690% | 3,607 |
| Net interest margin | 4.9825% | 313 |
| Noninterest income to average assets | 3.4500% | 173 |
| Noninterest expense to average assets | 2.9463% | 1,145 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 3.7140% | 123 |
| Return on assets (ROA) | 3.7140% | 123 |
| Pretax return on assets | 4.8960% | 99 |
| Return on Equity (ROE) | 39.8500% | 112 |
| Retained earnings to average equity (ytd only) | 6.0846% | 2,599 |
| Net charge-offs to loans | 0.1617% | 525 |
| Credit loss provision to net charge-offs | -75.0000% | 4,515 |
| Earnings coverage of net charge-offs (x) | 38.9637% | 1,459 |
| Efficiency ratio | 36.6734% | 4,435 |
| Assets per employee ($millions) | 4.2974% | 4,047 |
| Cash dividends to net income (ytd only)* | 84.7321% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 757 |
| Loan loss allowance to noncurrent loans | 4,839.4366% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 3,526 |
| Noncurrent loans to loans | 0.0345% | 3,519 |
| Net loans and leases to total assets | 79.9200% | 657 |
| Net loans and leases to deposits | 90.2666% | 1,217 |
| Net loans and leases to core deposits | 94.3114% | 1,657 |
| Total domestic deposits to total assets | 88.5400% | 1,396 |
| Equity capital to assets | 9.5198% | 2,083 |
| Core capital (leverage) ratio | 9.2744% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $253,236,250 | 2,671 |
| Average earning assets | $233,021,000 | 2,678 |
| Average equity | $23,600,000 | 2,593 |
| Average total loans | $204,437,000 | 2,259 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 838 |
| Cost of funding earning assets | 0.6655% | 3,586 |
| Net interest margin | 4.8290% | 387 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 2.8625% | 1,299 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.9136% | 549 |
| Return on assets (ROA) | 1.9136% | 543 |
| Pretax return on assets | 2.5330% | 340 |
| Return on Equity (ROE) | 20.6800% | 642 |
| Retained earnings to average equity (ytd only) | 7.0193% | 2,276 |
| Net charge-offs to loans | 0.0932% | 704 |
| Credit loss provision to net charge-offs | -569.4737% | 4,605 |
| Earnings coverage of net charge-offs (x) | 33.8421% | 1,490 |
| Efficiency ratio | 52.9833% | 3,699 |
| Assets per employee ($millions) | 4.2930% | 4,059 |
| Cash dividends to net income (ytd only)* | 66.0611% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 956 |
| Loan loss allowance to noncurrent loans | 2,230.3448% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,223 |
| Noncurrent loans to loans | 0.0712% | 3,190 |
| Net loans and leases to total assets | 76.5300% | 997 |
| Net loans and leases to deposits | 85.7823% | 1,517 |
| Net loans and leases to core deposits | 89.1988% | 1,852 |
| Total domestic deposits to total assets | 89.2200% | 1,166 |
| Equity capital to assets | 9.1171% | 2,432 |
| Core capital (leverage) ratio | 9.4011% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $253,133,667 | 2,674 |
| Average earning assets | $232,014,667 | 2,693 |
| Average equity | $23,421,000 | 2,600 |
| Average total loans | $203,889,000 | 2,262 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 648 |
| Cost of funding earning assets | 0.5596% | 3,503 |
| Net interest margin | 4.9129% | 324 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.9650% | 1,123 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.6160% | 951 |
| Return on assets (ROA) | 1.6160% | 952 |
| Pretax return on assets | 2.1370% | 626 |
| Return on Equity (ROE) | 17.3300% | 1,125 |
| Retained earnings to average equity (ytd only) | 4.8288% | 3,058 |
| Net charge-offs to loans | -0.0118% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.0239% | 3,195 |
| Assets per employee ($millions) | 3.7536% | 4,341 |
| Cash dividends to net income (ytd only)* | 72.1393% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 968 |
| Loan loss allowance to noncurrent loans | 1,743.4555% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,014 |
| Noncurrent loans to loans | 0.0931% | 3,084 |
| Net loans and leases to total assets | 82.6800% | 313 |
| Net loans and leases to deposits | 93.0813% | 846 |
| Net loans and leases to core deposits | 96.0963% | 1,279 |
| Total domestic deposits to total assets | 88.8300% | 1,603 |
| Equity capital to assets | 9.5723% | 2,085 |
| Core capital (leverage) ratio | 9.1703% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $248,765,500 | 2,734 |
| Average earning assets | $227,320,000 | 2,757 |
| Average equity | $23,194,000 | 2,640 |
| Average total loans | $204,006,500 | 2,278 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 691 |
| Cost of funding earning assets | 0.2809% | 3,036 |
| Net interest margin | 4.2431% | 478 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.9613% | 1,020 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3826% | 1,172 |
| Return on assets (ROA) | 1.3744% | 1,154 |
| Pretax return on assets | 1.7063% | 906 |
| Return on Equity (ROE) | 14.9000% | 1,274 |
| Retained earnings to average equity (ytd only) | 2.8025% | 3,777 |
| Net charge-offs to loans | -0.0065% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7979% | 2,657 |
| Assets per employee ($millions) | 3.7286% | 4,374 |
| Cash dividends to net income (ytd only)* | 81.1852% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 907 |
| Loan loss allowance to noncurrent loans | 3,772.7273% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 3,458 |
| Noncurrent loans to loans | 0.0434% | 3,453 |
| Net loans and leases to total assets | 78.7300% | 728 |
| Net loans and leases to deposits | 87.8922% | 1,179 |
| Net loans and leases to core deposits | 89.1626% | 1,547 |
| Total domestic deposits to total assets | 89.5800% | 1,524 |
| Equity capital to assets | 9.0844% | 2,307 |
| Core capital (leverage) ratio | 9.1028% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $245,566,800 | 2,753 |
| Average earning assets | $225,356,400 | 2,767 |
| Average equity | $22,658,200 | 2,725 |
| Average total loans | $183,277,200 | 2,349 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 666 |
| Cost of funding earning assets | 0.2446% | 2,764 |
| Net interest margin | 4.0990% | 523 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.9882% | 916 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3137% | 1,306 |
| Return on assets (ROA) | 1.3137% | 1,275 |
| Pretax return on assets | 1.5858% | 1,152 |
| Return on Equity (ROE) | 14.1800% | 1,377 |
| Retained earnings to average equity (ytd only) | 1.6840% | 4,087 |
| Net charge-offs to loans | -0.0075% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6418% | 2,466 |
| Assets per employee ($millions) | 3.8432% | 4,381 |
| Cash dividends to net income (ytd only)* | 88.1250% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 821 |
| Loan loss allowance to noncurrent loans | 6,371.1538% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,730 |
| Noncurrent loans to loans | 0.0273% | 3,705 |
| Net loans and leases to total assets | 77.3400% | 768 |
| Net loans and leases to deposits | 86.7142% | 1,127 |
| Net loans and leases to core deposits | 87.8039% | 1,422 |
| Total domestic deposits to total assets | 89.1900% | 2,011 |
| Equity capital to assets | 9.3441% | 1,985 |
| Core capital (leverage) ratio | 9.1804% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $243,572,250 | 2,786 |
| Average earning assets | $223,498,000 | 2,801 |
| Average equity | $22,564,500 | 2,769 |
| Average total loans | $178,359,750 | 2,390 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 712 |
| Cost of funding earning assets | 0.2479% | 2,300 |
| Net interest margin | 3.8930% | 615 |
| Noninterest income to average assets | 1.0129% | 645 |
| Noninterest expense to average assets | 2.9928% | 848 |
| Loan and lease loss provision to assets | 0.0688% | 1,381 |
| Net operating income to assets | 1.3177% | 1,093 |
| Return on assets (ROA) | 1.3177% | 1,073 |
| Pretax return on assets | 1.5292% | 1,103 |
| Return on Equity (ROE) | 14.2650% | 1,049 |
| Retained earnings to average equity (ytd only) | 1.7122% | 3,823 |
| Net charge-offs to loans | -0.0034% | 3,238 |
| Credit loss provision to net charge-offs | -2,800.0000% | 3,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1910% | 2,621 |
| Assets per employee ($millions) | 3.6478% | 4,508 |
| Cash dividends to net income (ytd only)* | 87.9975% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 796 |
| Loan loss allowance to noncurrent loans | 1,610.2439% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 3,141 |
| Noncurrent loans to loans | 0.1127% | 3,180 |
| Net loans and leases to total assets | 73.0806% | 995 |
| Net loans and leases to deposits | 81.7697% | 1,261 |
| Net loans and leases to core deposits | 82.6433% | 1,549 |
| Total domestic deposits to total assets | 89.3737% | 2,011 |
| Equity capital to assets | 9.2593% | 2,197 |
| Core capital (leverage) ratio | 9.2751% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,056,333 | 2,805 |
| Average earning assets | $224,297,667 | 2,827 |
| Average equity | $22,544,667 | 2,850 |
| Average total loans | $174,290,333 | 2,430 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 755 |
| Cost of funding earning assets | 0.2582% | 2,066 |
| Net interest margin | 3.7552% | 685 |
| Noninterest income to average assets | 0.8808% | 865 |
| Noninterest expense to average assets | 3.0113% | 804 |
| Loan and lease loss provision to assets | 0.0902% | 918 |
| Net operating income to assets | 0.9431% | 2,096 |
| Return on assets (ROA) | 0.9431% | 2,086 |
| Pretax return on assets | 1.2383% | 1,684 |
| Return on Equity (ROE) | 10.2213% | 1,881 |
| Retained earnings to average equity (ytd only) | -3.1108% | 4,321 |
| Net charge-offs to loans | -0.0047% | 3,324 |
| Credit loss provision to net charge-offs | -2,750.0000% | 3,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3878% | 2,315 |
| Assets per employee ($millions) | 4.0405% | 4,385 |
| Cash dividends to net income (ytd only)* | 130.4348% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 757 |
| Loan loss allowance to noncurrent loans | 2,459.3985% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,498 |
| Noncurrent loans to loans | 0.0768% | 3,460 |
| Net loans and leases to total assets | 70.0962% | 1,016 |
| Net loans and leases to deposits | 78.3187% | 1,263 |
| Net loans and leases to core deposits | 79.2527% | 1,535 |
| Total domestic deposits to total assets | 89.5012% | 1,811 |
| Equity capital to assets | 9.2057% | 2,524 |
| Core capital (leverage) ratio | 8.9625% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,882,500 | 2,820 |
| Average earning assets | $224,649,500 | 2,837 |
| Average equity | $22,502,000 | 2,944 |
| Average total loans | $170,479,000 | 2,455 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 202 |
| Cost of funding earning assets | 0.3139% | 2,263 |
| Net interest margin | 4.8474% | 170 |
| Noninterest income to average assets | 1.6408% | 421 |
| Noninterest expense to average assets | 2.9659% | 1,041 |
| Loan and lease loss provision to assets | 0.1051% | 1,202 |
| Net operating income to assets | 2.2567% | 221 |
| Return on assets (ROA) | 2.2567% | 233 |
| Pretax return on assets | 3.0105% | 147 |
| Return on Equity (ROE) | 25.5194% | 112 |
| Retained earnings to average equity (ytd only) | 14.7355% | 248 |
| Net charge-offs to loans | -0.0216% | 4,012 |
| Credit loss provision to net charge-offs | -675.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7697% | 4,363 |
| Assets per employee ($millions) | 4.1583% | 4,348 |
| Cash dividends to net income (ytd only)* | 42.2576% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 702 |
| Loan loss allowance to noncurrent loans | 1,553.1401% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,349 |
| Noncurrent loans to loans | 0.1234% | 3,313 |
| Net loans and leases to total assets | 67.0667% | 1,366 |
| Net loans and leases to deposits | 75.0084% | 1,639 |
| Net loans and leases to core deposits | 76.1900% | 1,904 |
| Total domestic deposits to total assets | 89.4122% | 1,293 |
| Equity capital to assets | 9.2472% | 3,375 |
| Core capital (leverage) ratio | 9.0961% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,225,200 | 2,837 |
| Average earning assets | $211,825,600 | 2,860 |
| Average equity | $20,447,200 | 3,178 |
| Average total loans | $166,485,800 | 2,498 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 246 |
| Cost of funding earning assets | 0.3254% | 2,345 |
| Net interest margin | 4.7852% | 199 |
| Noninterest income to average assets | 1.9101% | 375 |
| Noninterest expense to average assets | 2.9173% | 1,097 |
| Loan and lease loss provision to assets | 0.0962% | 1,243 |
| Net operating income to assets | 2.4500% | 227 |
| Return on assets (ROA) | 2.4500% | 234 |
| Pretax return on assets | 3.2709% | 139 |
| Return on Equity (ROE) | 28.0508% | 113 |
| Retained earnings to average equity (ytd only) | 15.4467% | 340 |
| Net charge-offs to loans | -0.0449% | 4,303 |
| Credit loss provision to net charge-offs | -292.8571% | 3,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4219% | 4,479 |
| Assets per employee ($millions) | 4.0847% | 4,394 |
| Cash dividends to net income (ytd only)* | 44.9331% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 826 |
| Loan loss allowance to noncurrent loans | 5,260.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,719 |
| Noncurrent loans to loans | 0.0354% | 3,953 |
| Net loans and leases to total assets | 69.1151% | 1,175 |
| Net loans and leases to deposits | 78.3026% | 1,456 |
| Net loans and leases to core deposits | 79.2934% | 1,796 |
| Total domestic deposits to total assets | 88.2667% | 1,677 |
| Equity capital to assets | 8.9121% | 3,914 |
| Core capital (leverage) ratio | 8.7172% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,697,000 | 2,888 |
| Average earning assets | $208,134,500 | 2,914 |
| Average equity | $19,887,250 | 3,267 |
| Average total loans | $166,168,500 | 2,539 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 405 |
| Cost of funding earning assets | 0.3410% | 2,395 |
| Net interest margin | 4.5582% | 323 |
| Noninterest income to average assets | 2.5405% | 235 |
| Noninterest expense to average assets | 2.9965% | 989 |
| Loan and lease loss provision to assets | 0.0976% | 1,293 |
| Net operating income to assets | 2.7017% | 170 |
| Return on assets (ROA) | 2.7017% | 175 |
| Pretax return on assets | 3.6011% | 111 |
| Return on Equity (ROE) | 31.1619% | 87 |
| Retained earnings to average equity (ytd only) | 18.8666% | 192 |
| Net charge-offs to loans | -0.0812% | 4,555 |
| Credit loss provision to net charge-offs | -162.6866% | 3,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7552% | 4,581 |
| Assets per employee ($millions) | 3.8661% | 4,517 |
| Cash dividends to net income (ytd only)* | 39.4562% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 766 |
| Loan loss allowance to noncurrent loans | 3,208.2474% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,981 |
| Noncurrent loans to loans | 0.0586% | 3,886 |
| Net loans and leases to total assets | 67.7604% | 1,480 |
| Net loans and leases to deposits | 76.6652% | 1,758 |
| Net loans and leases to core deposits | 77.6381% | 2,080 |
| Total domestic deposits to total assets | 88.3849% | 1,626 |
| Equity capital to assets | 8.7628% | 4,002 |
| Core capital (leverage) ratio | 8.9225% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,263,333 | 2,915 |
| Average earning assets | $203,500,000 | 2,953 |
| Average equity | $19,357,000 | 3,298 |
| Average total loans | $164,984,000 | 2,556 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 781 |
| Cost of funding earning assets | 0.3543% | 2,492 |
| Net interest margin | 4.1400% | 673 |
| Noninterest income to average assets | 1.1198% | 953 |
| Noninterest expense to average assets | 2.8812% | 1,194 |
| Loan and lease loss provision to assets | 0.1023% | 1,325 |
| Net operating income to assets | 1.4229% | 1,517 |
| Return on assets (ROA) | 1.4229% | 1,589 |
| Pretax return on assets | 1.9177% | 1,084 |
| Return on Equity (ROE) | 16.5106% | 927 |
| Retained earnings to average equity (ytd only) | 1.4029% | 4,144 |
| Net charge-offs to loans | -0.0777% | 4,556 |
| Credit loss provision to net charge-offs | -171.8750% | 2,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7856% | 3,190 |
| Assets per employee ($millions) | 3.7074% | 4,620 |
| Cash dividends to net income (ytd only)* | 91.5033% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 863 |
| Loan loss allowance to noncurrent loans | 2,070.5479% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,907 |
| Noncurrent loans to loans | 0.0871% | 3,870 |
| Net loans and leases to total assets | 73.9639% | 820 |
| Net loans and leases to deposits | 83.0616% | 1,240 |
| Net loans and leases to core deposits | 83.9740% | 1,684 |
| Total domestic deposits to total assets | 89.0470% | 1,325 |
| Equity capital to assets | 8.3451% | 4,236 |
| Core capital (leverage) ratio | 8.5157% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,047,000 | 2,967 |
| Average earning assets | $196,424,500 | 3,006 |
| Average equity | $18,533,500 | 3,369 |
| Average total loans | $164,710,500 | 2,553 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 252 |
| Cost of funding earning assets | 0.4457% | 3,309 |
| Net interest margin | 4.8769% | 152 |
| Noninterest income to average assets | 0.8011% | 1,524 |
| Noninterest expense to average assets | 2.9445% | 1,560 |
| Loan and lease loss provision to assets | 0.1895% | 2,050 |
| Net operating income to assets | 1.5899% | 658 |
| Return on assets (ROA) | 1.5899% | 713 |
| Pretax return on assets | 2.1068% | 359 |
| Return on Equity (ROE) | 16.9397% | 419 |
| Retained earnings to average equity (ytd only) | 2.9513% | 3,389 |
| Net charge-offs to loans | 0.0555% | 1,988 |
| Credit loss provision to net charge-offs | 413.4831% | 1,404 |
| Earnings coverage of net charge-offs (x) | 50.1124% | 1,197 |
| Efficiency ratio | 56.1843% | 3,966 |
| Assets per employee ($millions) | 3.9180% | 4,433 |
| Cash dividends to net income (ytd only)* | 82.5777% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 833 |
| Loan loss allowance to noncurrent loans | 150.7961% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 1,032 |
| Noncurrent loans to loans | 1.2028% | 1,165 |
| Net loans and leases to total assets | 76.5392% | 730 |
| Net loans and leases to deposits | 86.7413% | 1,195 |
| Net loans and leases to core deposits | 87.3366% | 1,758 |
| Total domestic deposits to total assets | 88.2386% | 1,354 |
| Equity capital to assets | 8.9110% | 4,134 |
| Core capital (leverage) ratio | 8.8639% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,229,800 | 2,991 |
| Average earning assets | $176,812,200 | 3,021 |
| Average equity | $18,229,400 | 3,346 |
| Average total loans | $160,495,400 | 2,560 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 244 |
| Cost of funding earning assets | 0.4675% | 3,435 |
| Net interest margin | 5.0044% | 139 |
| Noninterest income to average assets | 0.6699% | 1,905 |
| Noninterest expense to average assets | 2.9778% | 1,493 |
| Loan and lease loss provision to assets | 0.2017% | 1,981 |
| Net operating income to assets | 1.5528% | 805 |
| Return on assets (ROA) | 1.5528% | 881 |
| Pretax return on assets | 2.0516% | 470 |
| Return on Equity (ROE) | 16.3205% | 509 |
| Retained earnings to average equity (ytd only) | 4.5371% | 2,779 |
| Net charge-offs to loans | -0.0067% | 4,122 |
| Credit loss provision to net charge-offs | -3,612.5000% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9235% | 3,804 |
| Assets per employee ($millions) | 3.7611% | 4,507 |
| Cash dividends to net income (ytd only)* | 72.1997% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 725 |
| Loan loss allowance to noncurrent loans | 897.5684% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,593 |
| Noncurrent loans to loans | 0.2006% | 3,585 |
| Net loans and leases to total assets | 80.8094% | 540 |
| Net loans and leases to deposits | 93.7510% | 941 |
| Net loans and leases to core deposits | 94.8713% | 1,555 |
| Total domestic deposits to total assets | 86.1957% | 1,985 |
| Equity capital to assets | 9.3209% | 3,844 |
| Core capital (leverage) ratio | 8.9892% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,874,000 | 3,004 |
| Average earning assets | $173,975,750 | 3,030 |
| Average equity | $18,160,750 | 3,351 |
| Average total loans | $160,151,250 | 2,568 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6201% | 267 |
| Cost of funding earning assets | 0.4883% | 3,604 |
| Net interest margin | 5.1318% | 156 |
| Noninterest income to average assets | 0.6807% | 1,809 |
| Noninterest expense to average assets | 3.0459% | 1,476 |
| Loan and lease loss provision to assets | 0.2223% | 1,882 |
| Net operating income to assets | 1.5708% | 804 |
| Return on assets (ROA) | 1.5708% | 876 |
| Pretax return on assets | 2.0845% | 458 |
| Return on Equity (ROE) | 16.3920% | 504 |
| Retained earnings to average equity (ytd only) | 3.0187% | 3,379 |
| Net charge-offs to loans | -0.0101% | 4,211 |
| Credit loss provision to net charge-offs | -2,612.5000% | 3,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9044% | 3,833 |
| Assets per employee ($millions) | 3.9317% | 4,371 |
| Cash dividends to net income (ytd only)* | 81.5843% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 705 |
| Loan loss allowance to noncurrent loans | 991.0345% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 3,557 |
| Noncurrent loans to loans | 0.1785% | 3,733 |
| Net loans and leases to total assets | 79.5753% | 639 |
| Net loans and leases to deposits | 91.9994% | 1,158 |
| Net loans and leases to core deposits | 93.7717% | 1,760 |
| Total domestic deposits to total assets | 86.4954% | 1,807 |
| Equity capital to assets | 9.0930% | 4,005 |
| Core capital (leverage) ratio | 9.0013% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,053,000 | 3,010 |
| Average earning assets | $171,206,000 | 3,036 |
| Average equity | $18,021,000 | 3,359 |
| Average total loans | $158,856,333 | 2,575 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6967% | 249 |
| Cost of funding earning assets | 0.5303% | 3,791 |
| Net interest margin | 5.1664% | 152 |
| Noninterest income to average assets | 0.7678% | 1,402 |
| Noninterest expense to average assets | 3.1812% | 1,462 |
| Loan and lease loss provision to assets | 0.1760% | 1,685 |
| Net operating income to assets | 1.5620% | 679 |
| Return on assets (ROA) | 1.5620% | 747 |
| Pretax return on assets | 2.0834% | 382 |
| Return on Equity (ROE) | 15.8526% | 439 |
| Retained earnings to average equity (ytd only) | 0.3349% | 3,914 |
| Net charge-offs to loans | -0.0127% | 4,163 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4715% | 3,939 |
| Assets per employee ($millions) | 3.4211% | 4,546 |
| Cash dividends to net income (ytd only)* | 97.8873% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 809 |
| Loan loss allowance to noncurrent loans | 1,110.1215% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 3,970 |
| Noncurrent loans to loans | 0.1567% | 3,898 |
| Net loans and leases to total assets | 83.8333% | 280 |
| Net loans and leases to deposits | 97.9452% | 721 |
| Net loans and leases to core deposits | 100.0407% | 1,468 |
| Total domestic deposits to total assets | 85.5920% | 2,173 |
| Equity capital to assets | 9.7121% | 4,030 |
| Core capital (leverage) ratio | 9.6622% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,821,000 | 3,030 |
| Average earning assets | $164,446,500 | 3,068 |
| Average equity | $17,915,000 | 3,377 |
| Average total loans | $157,066,500 | 2,573 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 394 |
| Cost of funding earning assets | 0.4863% | 4,149 |
| Net interest margin | 5.2215% | 183 |
| Noninterest income to average assets | 1.0412% | 886 |
| Noninterest expense to average assets | 3.1196% | 1,713 |
| Loan and lease loss provision to assets | 0.1359% | 1,572 |
| Net operating income to assets | 2.0975% | 277 |
| Return on assets (ROA) | 2.0891% | 291 |
| Pretax return on assets | 2.4944% | 216 |
| Return on Equity (ROE) | 21.2302% | 154 |
| Retained earnings to average equity (ytd only) | 2.8186% | 3,630 |
| Net charge-offs to loans | 0.1127% | 1,607 |
| Credit loss provision to net charge-offs | 142.1053% | 1,817 |
| Earnings coverage of net charge-offs (x) | 27.6140% | 1,657 |
| Efficiency ratio | 54.1598% | 4,408 |
| Assets per employee ($millions) | 3.5781% | 4,391 |
| Cash dividends to net income (ytd only)* | 86.7238% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 804 |
| Loan loss allowance to noncurrent loans | 1,010.2662% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 3,901 |
| Noncurrent loans to loans | 0.1680% | 3,859 |
| Net loans and leases to total assets | 86.0025% | 163 |
| Net loans and leases to deposits | 97.9907% | 763 |
| Net loans and leases to core deposits | 100.0969% | 1,552 |
| Total domestic deposits to total assets | 87.7661% | 1,242 |
| Equity capital to assets | 9.9987% | 3,919 |
| Core capital (leverage) ratio | 9.8416% | 3,684 |
| Tier 1 risk-based capital ratio | 10.8104% | 4,921 |
| Total risk-based capital ratio | 12.0654% | 4,830 |
| Memoranda: | ||
| Average total assets | $178,837,200 | 3,032 |
| Average earning assets | $161,620,800 | 3,070 |
| Average equity | $17,597,600 | 3,381 |
| Average total loans | $151,767,200 | 2,599 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6734% | 435 |
| Cost of funding earning assets | 0.4743% | 4,246 |
| Net interest margin | 5.1991% | 201 |
| Noninterest income to average assets | 0.9544% | 1,034 |
| Noninterest expense to average assets | 3.1032% | 1,707 |
| Loan and lease loss provision to assets | 0.1223% | 1,599 |
| Net operating income to assets | 2.1168% | 311 |
| Return on assets (ROA) | 2.1019% | 329 |
| Pretax return on assets | 2.4113% | 299 |
| Return on Equity (ROE) | 21.4469% | 182 |
| Retained earnings to average equity (ytd only) | 3.2639% | 3,778 |
| Net charge-offs to loans | 0.0434% | 2,229 |
| Credit loss provision to net charge-offs | 334.6939% | 883 |
| Earnings coverage of net charge-offs (x) | 69.8182% | 952 |
| Efficiency ratio | 54.8859% | 4,294 |
| Assets per employee ($millions) | 3.3837% | 4,610 |
| Cash dividends to net income (ytd only)* | 84.7820% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 724 |
| Loan loss allowance to noncurrent loans | 1,370.0508% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 4,089 |
| Noncurrent loans to loans | 0.1290% | 4,071 |
| Net loans and leases to total assets | 85.2874% | 235 |
| Net loans and leases to deposits | 96.6185% | 942 |
| Net loans and leases to core deposits | 98.7276% | 1,767 |
| Total domestic deposits to total assets | 88.2723% | 927 |
| Equity capital to assets | 10.1199% | 3,891 |
| Core capital (leverage) ratio | 9.8122% | 3,837 |
| Tier 1 risk-based capital ratio | 11.1625% | 4,840 |
| Total risk-based capital ratio | 12.4185% | 4,723 |
| Memoranda: | ||
| Average total assets | $178,820,500 | 3,057 |
| Average earning assets | $161,638,000 | 3,101 |
| Average equity | $17,525,000 | 3,410 |
| Average total loans | $150,579,250 | 2,640 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5949% | 471 |
| Cost of funding earning assets | 0.4600% | 4,286 |
| Net interest margin | 5.1349% | 223 |
| Noninterest income to average assets | 1.0402% | 800 |
| Noninterest expense to average assets | 3.0860% | 1,769 |
| Loan and lease loss provision to assets | 0.1491% | 1,232 |
| Net operating income to assets | 2.2707% | 227 |
| Return on assets (ROA) | 2.2428% | 254 |
| Pretax return on assets | 2.4074% | 282 |
| Return on Equity (ROE) | 23.1308% | 137 |
| Retained earnings to average equity (ytd only) | 5.1172% | 2,713 |
| Net charge-offs to loans | 0.0614% | 1,766 |
| Credit loss provision to net charge-offs | 291.3043% | 925 |
| Earnings coverage of net charge-offs (x) | 50.5435% | 1,084 |
| Efficiency ratio | 54.4028% | 4,422 |
| Assets per employee ($millions) | 3.3012% | 4,695 |
| Cash dividends to net income (ytd only)* | 77.8770% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 718 |
| Loan loss allowance to noncurrent loans | 696.0938% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 3,629 |
| Noncurrent loans to loans | 0.2546% | 3,620 |
| Net loans and leases to total assets | 83.1233% | 456 |
| Net loans and leases to deposits | 93.8744% | 1,276 |
| Net loans and leases to core deposits | 95.8857% | 2,083 |
| Total domestic deposits to total assets | 88.5473% | 859 |
| Equity capital to assets | 10.0015% | 3,976 |
| Core capital (leverage) ratio | 9.7785% | 3,846 |
| Tier 1 risk-based capital ratio | 11.1627% | 4,846 |
| Total risk-based capital ratio | 12.4184% | 4,737 |
| Memoranda: | ||
| Average total assets | $179,777,000 | 3,057 |
| Average earning assets | $162,183,330 | 3,110 |
| Average equity | $17,431,330 | 3,423 |
| Average total loans | $149,851,330 | 2,661 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 492 |
| Cost of funding earning assets | 0.4459% | 4,309 |
| Net interest margin | 5.0899% | 248 |
| Noninterest income to average assets | 1.3161% | 491 |
| Noninterest expense to average assets | 3.0554% | 1,837 |
| Loan and lease loss provision to assets | 0.1773% | 945 |
| Net operating income to assets | 2.8759% | 94 |
| Return on assets (ROA) | 2.8493% | 104 |
| Pretax return on assets | 2.6344% | 201 |
| Return on Equity (ROE) | 29.8506% | 49 |
| Retained earnings to average equity (ytd only) | 13.1380% | 443 |
| Net charge-offs to loans | 0.0161% | 2,154 |
| Credit loss provision to net charge-offs | 1,333.3333% | 287 |
| Earnings coverage of net charge-offs (x) | 213.5000% | 360 |
| Efficiency ratio | 51.8421% | 4,707 |
| Assets per employee ($millions) | 3.4209% | 4,637 |
| Cash dividends to net income (ytd only)* | 55.9876% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 735 |
| Loan loss allowance to noncurrent loans | 1,054.7619% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,017 |
| Noncurrent loans to loans | 0.1688% | 3,993 |
| Net loans and leases to total assets | 80.8730% | 727 |
| Net loans and leases to deposits | 91.8395% | 1,420 |
| Net loans and leases to core deposits | 93.7802% | 2,145 |
| Total domestic deposits to total assets | 88.0591% | 1,304 |
| Equity capital to assets | 9.8666% | 3,949 |
| Core capital (leverage) ratio | 9.7959% | 3,819 |
| Tier 1 risk-based capital ratio | 11.2544% | 4,858 |
| Total risk-based capital ratio | 12.5098% | 4,769 |
| Memoranda: | ||
| Average total assets | $180,534,000 | 3,080 |
| Average earning assets | $162,361,500 | 3,143 |
| Average equity | $17,232,500 | 3,456 |
| Average total loans | $149,351,500 | 2,695 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4954% | 404 |
| Cost of funding earning assets | 0.3774% | 4,116 |
| Net interest margin | 5.1179% | 217 |
| Noninterest income to average assets | 0.7947% | 1,465 |
| Noninterest expense to average assets | 3.1611% | 1,645 |
| Loan and lease loss provision to assets | 0.1118% | 1,974 |
| Net operating income to assets | 2.1552% | 271 |
| Return on assets (ROA) | 2.1287% | 280 |
| Pretax return on assets | 2.1287% | 412 |
| Return on Equity (ROE) | 23.0830% | 126 |
| Retained earnings to average equity (ytd only) | 0.5145% | 4,850 |
| Net charge-offs to loans | 0.2181% | 883 |
| Credit loss provision to net charge-offs | 63.2588% | 3,064 |
| Earnings coverage of net charge-offs (x) | 12.8243% | 2,500 |
| Efficiency ratio | 58.2354% | 4,129 |
| Assets per employee ($millions) | 3.3917% | 4,663 |
| Cash dividends to net income (ytd only)* | 97.7713% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 786 |
| Loan loss allowance to noncurrent loans | 1,502.9070% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,238 |
| Noncurrent loans to loans | 0.1151% | 4,209 |
| Net loans and leases to total assets | 81.6816% | 699 |
| Net loans and leases to deposits | 93.1515% | 1,382 |
| Net loans and leases to core deposits | 94.8435% | 2,153 |
| Total domestic deposits to total assets | 87.6868% | 1,451 |
| Equity capital to assets | 9.2212% | 4,391 |
| Core capital (leverage) ratio | 9.1469% | 4,511 |
| Tier 1 risk-based capital ratio | 10.4519% | 5,199 |
| Total risk-based capital ratio | 11.7068% | 5,096 |
| Memoranda: | ||
| Average total assets | $177,056,800 | 3,085 |
| Average earning assets | $160,299,000 | 3,136 |
| Average equity | $16,328,000 | 3,485 |
| Average total loans | $143,539,000 | 2,728 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4344% | 417 |
| Cost of funding earning assets | 0.3550% | 4,149 |
| Net interest margin | 5.0795% | 226 |
| Noninterest income to average assets | 0.8179% | 1,420 |
| Noninterest expense to average assets | 3.1461% | 1,655 |
| Loan and lease loss provision to assets | 0.0900% | 2,178 |
| Net operating income to assets | 2.1899% | 269 |
| Return on assets (ROA) | 2.1544% | 276 |
| Pretax return on assets | 2.1544% | 426 |
| Return on Equity (ROE) | 23.3611% | 120 |
| Retained earnings to average equity (ytd only) | 1.5164% | 4,721 |
| Net charge-offs to loans | 0.2309% | 739 |
| Credit loss provision to net charge-offs | 48.3740% | 2,846 |
| Earnings coverage of net charge-offs (x) | 12.2602% | 2,462 |
| Efficiency ratio | 57.9827% | 4,126 |
| Assets per employee ($millions) | 3.2842% | 4,790 |
| Cash dividends to net income (ytd only)* | 93.5085% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 822 |
| Loan loss allowance to noncurrent loans | 2,010.1563% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 4,607 |
| Noncurrent loans to loans | 0.0862% | 4,495 |
| Net loans and leases to total assets | 83.8485% | 470 |
| Net loans and leases to deposits | 94.3964% | 1,334 |
| Net loans and leases to core deposits | 96.3347% | 2,082 |
| Total domestic deposits to total assets | 88.8259% | 906 |
| Equity capital to assets | 9.5252% | 4,055 |
| Core capital (leverage) ratio | 9.3398% | 4,351 |
| Tier 1 risk-based capital ratio | 10.7880% | 5,137 |
| Total risk-based capital ratio | 12.0430% | 5,032 |
| Memoranda: | ||
| Average total assets | $176,381,250 | 3,111 |
| Average earning assets | $160,012,750 | 3,166 |
| Average equity | $16,266,000 | 3,512 |
| Average total loans | $142,070,000 | 2,760 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 452 |
| Cost of funding earning assets | 0.3502% | 4,074 |
| Net interest margin | 4.9698% | 260 |
| Noninterest income to average assets | 0.7485% | 1,654 |
| Noninterest expense to average assets | 3.1600% | 1,639 |
| Loan and lease loss provision to assets | 0.0553% | 2,799 |
| Net operating income to assets | 2.0355% | 352 |
| Return on assets (ROA) | 2.0355% | 351 |
| Pretax return on assets | 2.0355% | 563 |
| Return on Equity (ROE) | 22.3125% | 146 |
| Retained earnings to average equity (ytd only) | 1.7697% | 4,540 |
| Net charge-offs to loans | 0.3073% | 519 |
| Credit loss provision to net charge-offs | 22.7907% | 2,674 |
| Earnings coverage of net charge-offs (x) | 8.6140% | 2,454 |
| Efficiency ratio | 60.1806% | 3,911 |
| Assets per employee ($millions) | 3.4511% | 4,660 |
| Cash dividends to net income (ytd only)* | 92.0688% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 771 |
| Loan loss allowance to noncurrent loans | 304.9338% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 2,675 |
| Noncurrent loans to loans | 0.5860% | 2,665 |
| Net loans and leases to total assets | 79.1329% | 1,145 |
| Net loans and leases to deposits | 88.7601% | 2,013 |
| Net loans and leases to core deposits | 90.7070% | 2,512 |
| Total domestic deposits to total assets | 89.1537% | 868 |
| Equity capital to assets | 9.4106% | 4,182 |
| Core capital (leverage) ratio | 9.2899% | 4,371 |
| Tier 1 risk-based capital ratio | 11.2555% | 4,921 |
| Total risk-based capital ratio | 12.5115% | 4,815 |
| Memoranda: | ||
| Average total assets | $177,153,670 | 3,127 |
| Average earning assets | $160,488,000 | 3,185 |
| Average equity | $16,161,330 | 3,539 |
| Average total loans | $139,919,000 | 2,795 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 463 |
| Cost of funding earning assets | 0.3519% | 3,977 |
| Net interest margin | 4.8789% | 294 |
| Noninterest income to average assets | 0.7697% | 1,546 |
| Noninterest expense to average assets | 3.1621% | 1,660 |
| Loan and lease loss provision to assets | 0.0113% | 3,379 |
| Net operating income to assets | 2.0278% | 352 |
| Return on assets (ROA) | 2.0278% | 351 |
| Pretax return on assets | 2.0278% | 544 |
| Return on Equity (ROE) | 22.5807% | 143 |
| Retained earnings to average equity (ytd only) | 2.2806% | 4,251 |
| Net charge-offs to loans | -0.0403% | 4,875 |
| Credit loss provision to net charge-offs | -35.7143% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7962% | 3,966 |
| Assets per employee ($millions) | 3.3003% | 4,899 |
| Cash dividends to net income (ytd only)* | 89.9001% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 630 |
| Loan loss allowance to noncurrent loans | 246.2862% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,422 |
| Noncurrent loans to loans | 0.7827% | 2,250 |
| Net loans and leases to total assets | 77.6218% | 1,294 |
| Net loans and leases to deposits | 86.5628% | 2,094 |
| Net loans and leases to core deposits | 88.2774% | 2,610 |
| Total domestic deposits to total assets | 89.6711% | 793 |
| Equity capital to assets | 8.9435% | 4,620 |
| Core capital (leverage) ratio | 8.9455% | 4,740 |
| Tier 1 risk-based capital ratio | 10.8900% | 5,194 |
| Total risk-based capital ratio | 12.1474% | 5,094 |
| Memoranda: | ||
| Average total assets | $177,728,500 | 3,153 |
| Average earning assets | $161,431,000 | 3,198 |
| Average equity | $15,960,500 | 3,597 |
| Average total loans | $138,973,000 | 2,825 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 329 |
| Cost of funding earning assets | 0.3525% | 3,692 |
| Net interest margin | 5.0128% | 233 |
| Noninterest income to average assets | 0.7390% | 1,809 |
| Noninterest expense to average assets | 3.0117% | 2,145 |
| Loan and lease loss provision to assets | 0.1481% | 1,535 |
| Net operating income to assets | 2.0861% | 240 |
| Return on assets (ROA) | 2.0861% | 246 |
| Pretax return on assets | 2.0861% | 402 |
| Return on Equity (ROE) | 22.8037% | 103 |
| Retained earnings to average equity (ytd only) | 1.0859% | 4,598 |
| Net charge-offs to loans | 0.0533% | 2,741 |
| Credit loss provision to net charge-offs | 348.6486% | 844 |
| Earnings coverage of net charge-offs (x) | 52.5811% | 1,055 |
| Efficiency ratio | 57.4102% | 4,600 |
| Assets per employee ($millions) | 3.3441% | 4,889 |
| Cash dividends to net income (ytd only)* | 95.2381% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 563 |
| Loan loss allowance to noncurrent loans | 249.7687% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 2,412 |
| Noncurrent loans to loans | 0.7897% | 2,240 |
| Net loans and leases to total assets | 75.7119% | 1,649 |
| Net loans and leases to deposits | 84.4484% | 2,443 |
| Net loans and leases to core deposits | 86.1292% | 2,899 |
| Total domestic deposits to total assets | 89.6546% | 705 |
| Equity capital to assets | 9.0172% | 4,696 |
| Core capital (leverage) ratio | 8.9746% | 4,677 |
| Tier 1 risk-based capital ratio | 10.9176% | 5,192 |
| Total risk-based capital ratio | 12.1757% | 5,071 |
| Memoranda: | ||
| Average total assets | $174,152,200 | 3,193 |
| Average earning assets | $156,580,400 | 3,236 |
| Average equity | $15,931,600 | 3,604 |
| Average total loans | $138,854,000 | 2,800 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3772% | 308 |
| Cost of funding earning assets | 0.3538% | 3,625 |
| Net interest margin | 5.0234% | 221 |
| Noninterest income to average assets | 0.7344% | 1,852 |
| Noninterest expense to average assets | 3.0337% | 2,018 |
| Loan and lease loss provision to assets | 0.1676% | 1,209 |
| Net operating income to assets | 2.0425% | 292 |
| Return on assets (ROA) | 2.0425% | 299 |
| Pretax return on assets | 2.0425% | 504 |
| Return on Equity (ROE) | 22.2454% | 134 |
| Retained earnings to average equity (ytd only) | 1.2228% | 4,914 |
| Net charge-offs to loans | 0.0421% | 2,602 |
| Credit loss provision to net charge-offs | 495.4545% | 650 |
| Earnings coverage of net charge-offs (x) | 65.3128% | 943 |
| Efficiency ratio | 57.8531% | 4,526 |
| Assets per employee ($millions) | 3.2368% | 5,029 |
| Cash dividends to net income (ytd only)* | 94.5031% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 622 |
| Loan loss allowance to noncurrent loans | 200.1488% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 2,147 |
| Noncurrent loans to loans | 0.9755% | 1,971 |
| Net loans and leases to total assets | 77.2826% | 1,385 |
| Net loans and leases to deposits | 86.6697% | 2,219 |
| Net loans and leases to core deposits | 88.4558% | 2,728 |
| Total domestic deposits to total assets | 89.1691% | 797 |
| Equity capital to assets | 9.1780% | 4,743 |
| Core capital (leverage) ratio | 9.0833% | 4,648 |
| Tier 1 risk-based capital ratio | 11.0628% | 5,205 |
| Total risk-based capital ratio | 12.3213% | 5,094 |
| Memoranda: | ||
| Average total assets | $173,380,500 | 3,227 |
| Average earning assets | $155,641,250 | 3,282 |
| Average equity | $15,919,000 | 3,638 |
| Average total loans | $139,344,750 | 2,807 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 311 |
| Cost of funding earning assets | 0.3560% | 3,520 |
| Net interest margin | 4.9767% | 228 |
| Noninterest income to average assets | 0.7356% | 1,832 |
| Noninterest expense to average assets | 3.0466% | 1,987 |
| Loan and lease loss provision to assets | 0.1839% | 1,024 |
| Net operating income to assets | 1.9675% | 326 |
| Return on assets (ROA) | 1.9675% | 333 |
| Pretax return on assets | 1.9675% | 562 |
| Return on Equity (ROE) | 21.4259% | 161 |
| Retained earnings to average equity (ytd only) | 0.7684% | 4,901 |
| Net charge-offs to loans | 0.0386% | 2,425 |
| Credit loss provision to net charge-offs | 588.8889% | 583 |
| Earnings coverage of net charge-offs (x) | 68.8889% | 849 |
| Efficiency ratio | 58.6115% | 4,516 |
| Assets per employee ($millions) | 3.2006% | 5,095 |
| Cash dividends to net income (ytd only)* | 96.4139% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 714 |
| Loan loss allowance to noncurrent loans | 161.9572% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 1,813 |
| Noncurrent loans to loans | 1.1789% | 1,658 |
| Net loans and leases to total assets | 78.7116% | 1,132 |
| Net loans and leases to deposits | 88.0568% | 1,974 |
| Net loans and leases to core deposits | 89.8854% | 2,539 |
| Total domestic deposits to total assets | 89.3873% | 765 |
| Equity capital to assets | 9.2287% | 4,694 |
| Core capital (leverage) ratio | 9.0022% | 4,721 |
| Tier 1 risk-based capital ratio | 10.9562% | 5,274 |
| Total risk-based capital ratio | 12.2137% | 5,172 |
| Memoranda: | ||
| Average total assets | $172,911,670 | 3,248 |
| Average earning assets | $155,042,330 | 3,305 |
| Average equity | $15,878,000 | 3,650 |
| Average total loans | $139,869,670 | 2,809 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2592% | 343 |
| Cost of funding earning assets | 0.3570% | 3,454 |
| Net interest margin | 4.9022% | 261 |
| Noninterest income to average assets | 0.7678% | 1,674 |
| Noninterest expense to average assets | 3.0667% | 1,965 |
| Loan and lease loss provision to assets | 0.1850% | 919 |
| Net operating income to assets | 1.8988% | 366 |
| Return on assets (ROA) | 1.8988% | 381 |
| Pretax return on assets | 1.8988% | 639 |
| Return on Equity (ROE) | 20.7297% | 198 |
| Retained earnings to average equity (ytd only) | 0.0252% | 4,907 |
| Net charge-offs to loans | 0.0712% | 1,616 |
| Credit loss provision to net charge-offs | 320.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 36.0400% | 1,103 |
| Efficiency ratio | 59.5420% | 4,524 |
| Assets per employee ($millions) | 3.2061% | 5,157 |
| Cash dividends to net income (ytd only)* | 99.8782% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 929 |
| Loan loss allowance to noncurrent loans | 194.3311% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 2,264 |
| Noncurrent loans to loans | 0.9350% | 2,170 |
| Net loans and leases to total assets | 80.2409% | 808 |
| Net loans and leases to deposits | 89.6415% | 1,583 |
| Net loans and leases to core deposits | 91.4953% | 2,216 |
| Total domestic deposits to total assets | 89.5131% | 891 |
| Equity capital to assets | 9.1486% | 4,660 |
| Core capital (leverage) ratio | 8.9562% | 4,788 |
| Tier 1 risk-based capital ratio | 10.7899% | 5,410 |
| Total risk-based capital ratio | 12.0465% | 5,333 |
| Memoranda: | ||
| Average total assets | $172,952,000 | 3,279 |
| Average earning assets | $154,623,000 | 3,338 |
| Average equity | $15,842,000 | 3,679 |
| Average total loans | $140,461,500 | 2,811 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 295 |
| Cost of funding earning assets | 0.3839% | 3,163 |
| Net interest margin | 5.0137% | 241 |
| Noninterest income to average assets | 0.7700% | 1,879 |
| Noninterest expense to average assets | 3.0278% | 2,271 |
| Loan and lease loss provision to assets | 0.1406% | 1,773 |
| Net operating income to assets | 2.1121% | 261 |
| Return on assets (ROA) | 2.1132% | 269 |
| Pretax return on assets | 2.1132% | 393 |
| Return on Equity (ROE) | 22.9991% | 118 |
| Retained earnings to average equity (ytd only) | 0.9948% | 4,926 |
| Net charge-offs to loans | 0.1582% | 1,694 |
| Credit loss provision to net charge-offs | 109.9548% | 2,382 |
| Earnings coverage of net charge-offs (x) | 17.6199% | 2,029 |
| Efficiency ratio | 57.3401% | 4,923 |
| Assets per employee ($millions) | 3.1413% | 5,227 |
| Cash dividends to net income (ytd only)* | 95.6748% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 939 |
| Loan loss allowance to noncurrent loans | 176.6854% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8809% | 2,147 |
| Noncurrent loans to loans | 1.0213% | 2,044 |
| Net loans and leases to total assets | 79.2451% | 997 |
| Net loans and leases to deposits | 88.5981% | 1,856 |
| Net loans and leases to core deposits | 90.4338% | 2,465 |
| Total domestic deposits to total assets | 89.4434% | 885 |
| Equity capital to assets | 9.1709% | 4,618 |
| Core capital (leverage) ratio | 9.0730% | 4,654 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,238 |
| Total risk-based capital ratio | 12.4389% | 5,122 |
| Memoranda: | ||
| Average total assets | $172,864,000 | 3,251 |
| Average earning assets | $155,514,200 | 3,307 |
| Average equity | $15,883,200 | 3,708 |
| Average total loans | $139,697,800 | 2,785 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3756% | 314 |
| Cost of funding earning assets | 0.3890% | 3,138 |
| Net interest margin | 4.9865% | 257 |
| Noninterest income to average assets | 0.7781% | 1,855 |
| Noninterest expense to average assets | 3.0563% | 2,137 |
| Loan and lease loss provision to assets | 0.1458% | 1,607 |
| Net operating income to assets | 2.0838% | 301 |
| Return on assets (ROA) | 2.0853% | 312 |
| Pretax return on assets | 2.0853% | 481 |
| Return on Equity (ROE) | 22.6848% | 137 |
| Retained earnings to average equity (ytd only) | 0.9983% | 5,089 |
| Net charge-offs to loans | 0.1412% | 1,581 |
| Credit loss provision to net charge-offs | 127.7027% | 1,995 |
| Earnings coverage of net charge-offs (x) | 19.5336% | 1,927 |
| Efficiency ratio | 57.8203% | 4,841 |
| Assets per employee ($millions) | 3.0670% | 5,324 |
| Cash dividends to net income (ytd only)* | 95.5992% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 989 |
| Loan loss allowance to noncurrent loans | 187.9170% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 2,130 |
| Noncurrent loans to loans | 0.9659% | 2,306 |
| Net loans and leases to total assets | 81.2900% | 718 |
| Net loans and leases to deposits | 91.2220% | 1,606 |
| Net loans and leases to core deposits | 93.1827% | 2,257 |
| Total domestic deposits to total assets | 89.1123% | 846 |
| Equity capital to assets | 9.4561% | 4,707 |
| Core capital (leverage) ratio | 9.0502% | 4,777 |
| Tier 1 risk-based capital ratio | 10.9247% | 5,408 |
| Total risk-based capital ratio | 12.1818% | 5,322 |
| Memoranda: | ||
| Average total assets | $172,886,500 | 3,261 |
| Average earning assets | $156,283,500 | 3,306 |
| Average equity | $15,892,750 | 3,737 |
| Average total loans | $139,764,500 | 2,788 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3756% | 312 |
| Cost of funding earning assets | 0.3935% | 3,113 |
| Net interest margin | 4.9821% | 264 |
| Noninterest income to average assets | 0.7688% | 1,853 |
| Noninterest expense to average assets | 3.0341% | 2,237 |
| Loan and lease loss provision to assets | 0.1251% | 1,825 |
| Net operating income to assets | 2.1138% | 269 |
| Return on assets (ROA) | 2.1160% | 284 |
| Pretax return on assets | 2.1160% | 455 |
| Return on Equity (ROE) | 23.2339% | 123 |
| Retained earnings to average equity (ytd only) | 2.7593% | 4,144 |
| Net charge-offs to loans | 0.1273% | 1,570 |
| Credit loss provision to net charge-offs | 122.4719% | 1,838 |
| Earnings coverage of net charge-offs (x) | 21.9213% | 1,652 |
| Efficiency ratio | 57.5408% | 4,967 |
| Assets per employee ($millions) | 3.2104% | 5,189 |
| Cash dividends to net income (ytd only)* | 88.1236% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 1,110 |
| Loan loss allowance to noncurrent loans | 285.3575% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 2,500 |
| Noncurrent loans to loans | 0.6239% | 3,201 |
| Net loans and leases to total assets | 80.0072% | 897 |
| Net loans and leases to deposits | 89.4603% | 1,814 |
| Net loans and leases to core deposits | 91.3210% | 2,403 |
| Total domestic deposits to total assets | 89.4331% | 717 |
| Equity capital to assets | 9.2667% | 5,006 |
| Core capital (leverage) ratio | 8.9610% | 4,874 |
| Tier 1 risk-based capital ratio | 11.0846% | 5,375 |
| Total risk-based capital ratio | 12.3417% | 5,288 |
| Memoranda: | ||
| Average total assets | $174,287,000 | 3,262 |
| Average earning assets | $157,564,330 | 3,305 |
| Average equity | $15,873,330 | 3,753 |
| Average total loans | $139,799,670 | 2,792 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 267 |
| Cost of funding earning assets | 0.3977% | 3,098 |
| Net interest margin | 5.0763% | 216 |
| Noninterest income to average assets | 0.7943% | 1,640 |
| Noninterest expense to average assets | 3.1382% | 1,993 |
| Loan and lease loss provision to assets | 0.1831% | 1,091 |
| Net operating income to assets | 2.0601% | 300 |
| Return on assets (ROA) | 2.0601% | 310 |
| Pretax return on assets | 2.0601% | 504 |
| Return on Equity (ROE) | 22.8173% | 134 |
| Retained earnings to average equity (ytd only) | 1.6479% | 4,614 |
| Net charge-offs to loans | 0.0115% | 2,744 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 254 |
| Efficiency ratio | 58.3156% | 4,957 |
| Assets per employee ($millions) | 3.0880% | 5,417 |
| Cash dividends to net income (ytd only)* | 92.7778% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 1,073 |
| Loan loss allowance to noncurrent loans | 514.0000% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 3,129 |
| Noncurrent loans to loans | 0.3580% | 4,149 |
| Net loans and leases to total assets | 79.2723% | 916 |
| Net loans and leases to deposits | 88.4927% | 1,768 |
| Net loans and leases to core deposits | 90.3557% | 2,338 |
| Total domestic deposits to total assets | 89.5806% | 797 |
| Equity capital to assets | 9.1634% | 5,029 |
| Core capital (leverage) ratio | 8.8868% | 4,977 |
| Tier 1 risk-based capital ratio | 11.1063% | 5,448 |
| Total risk-based capital ratio | 12.3640% | 5,352 |
| Memoranda: | ||
| Average total assets | $174,749,500 | 3,270 |
| Average earning assets | $157,910,500 | 3,311 |
| Average equity | $15,777,500 | 3,765 |
| Average total loans | $139,091,500 | 2,805 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 508 |
| Cost of funding earning assets | 0.4411% | 2,732 |
| Net interest margin | 4.6663% | 484 |
| Noninterest income to average assets | 0.7732% | 1,887 |
| Noninterest expense to average assets | 3.0730% | 2,315 |
| Loan and lease loss provision to assets | 0.1258% | 1,917 |
| Net operating income to assets | 1.8169% | 474 |
| Return on assets (ROA) | 1.8140% | 484 |
| Pretax return on assets | 1.8140% | 787 |
| Return on Equity (ROE) | 19.5751% | 269 |
| Retained earnings to average equity (ytd only) | -3.1816% | 5,834 |
| Net charge-offs to loans | 0.0472% | 3,271 |
| Credit loss provision to net charge-offs | 346.0317% | 863 |
| Earnings coverage of net charge-offs (x) | 53.4444% | 958 |
| Efficiency ratio | 61.2677% | 4,721 |
| Assets per employee ($millions) | 3.1531% | 5,349 |
| Cash dividends to net income (ytd only)* | 116.2532% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 1,130 |
| Loan loss allowance to noncurrent loans | 142.9226% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 1,802 |
| Noncurrent loans to loans | 1.2597% | 1,867 |
| Net loans and leases to total assets | 77.0427% | 1,248 |
| Net loans and leases to deposits | 85.7605% | 2,159 |
| Net loans and leases to core deposits | 87.6542% | 2,637 |
| Total domestic deposits to total assets | 89.8347% | 703 |
| Equity capital to assets | 8.8967% | 5,225 |
| Core capital (leverage) ratio | 8.8234% | 5,082 |
| Tier 1 risk-based capital ratio | 11.1990% | 5,426 |
| Total risk-based capital ratio | 12.4564% | 5,316 |
| Memoranda: | ||
| Average total assets | $173,316,000 | 3,257 |
| Average earning assets | $157,577,600 | 3,288 |
| Average equity | $16,061,200 | 3,672 |
| Average total loans | $133,344,200 | 2,835 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 518 |
| Cost of funding earning assets | 0.4487% | 2,701 |
| Net interest margin | 4.6471% | 501 |
| Noninterest income to average assets | 0.8116% | 1,767 |
| Noninterest expense to average assets | 3.0631% | 2,322 |
| Loan and lease loss provision to assets | 0.1646% | 1,291 |
| Net operating income to assets | 1.8187% | 499 |
| Return on assets (ROA) | 1.8148% | 530 |
| Pretax return on assets | 1.8148% | 874 |
| Return on Equity (ROE) | 19.3854% | 310 |
| Retained earnings to average equity (ytd only) | -1.0485% | 5,762 |
| Net charge-offs to loans | -0.0040% | 4,798 |
| Credit loss provision to net charge-offs | -5,325.0000% | 5,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6984% | 4,793 |
| Assets per employee ($millions) | 3.0084% | 5,537 |
| Cash dividends to net income (ytd only)* | 105.4089% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 1,082 |
| Loan loss allowance to noncurrent loans | 194.9657% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0252% | 2,307 |
| Noncurrent loans to loans | 0.9723% | 2,550 |
| Net loans and leases to total assets | 77.1426% | 1,232 |
| Net loans and leases to deposits | 86.3741% | 2,103 |
| Net loans and leases to core deposits | 88.2067% | 2,643 |
| Total domestic deposits to total assets | 89.3122% | 863 |
| Equity capital to assets | 9.4287% | 4,845 |
| Core capital (leverage) ratio | 8.9573% | 5,044 |
| Tier 1 risk-based capital ratio | 11.6220% | 5,312 |
| Total risk-based capital ratio | 12.8799% | 5,233 |
| Memoranda: | ||
| Average total assets | $172,502,250 | 3,293 |
| Average earning assets | $157,199,250 | 3,326 |
| Average equity | $16,149,250 | 3,684 |
| Average total loans | $132,048,000 | 2,867 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 510 |
| Cost of funding earning assets | 0.4547% | 2,669 |
| Net interest margin | 4.6407% | 488 |
| Noninterest income to average assets | 0.8019% | 1,770 |
| Noninterest expense to average assets | 3.0409% | 2,422 |
| Loan and lease loss provision to assets | 0.1840% | 1,104 |
| Net operating income to assets | 1.8051% | 511 |
| Return on assets (ROA) | 1.7993% | 541 |
| Pretax return on assets | 1.7993% | 896 |
| Return on Equity (ROE) | 19.2653% | 307 |
| Retained earnings to average equity (ytd only) | -2.4159% | 5,864 |
| Net charge-offs to loans | 0.0290% | 3,088 |
| Credit loss provision to net charge-offs | 836.8421% | 415 |
| Earnings coverage of net charge-offs (x) | 90.4737% | 646 |
| Efficiency ratio | 60.4555% | 4,922 |
| Assets per employee ($millions) | 3.0333% | 5,555 |
| Cash dividends to net income (ytd only)* | 112.5402% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 1,185 |
| Loan loss allowance to noncurrent loans | 297.9567% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 3,599 |
| Noncurrent loans to loans | 0.6347% | 3,573 |
| Net loans and leases to total assets | 74.3830% | 1,597 |
| Net loans and leases to deposits | 83.0316% | 2,431 |
| Net loans and leases to core deposits | 84.9154% | 2,890 |
| Total domestic deposits to total assets | 89.5840% | 857 |
| Equity capital to assets | 9.2685% | 4,933 |
| Core capital (leverage) ratio | 8.9197% | 5,066 |
| Tier 1 risk-based capital ratio | 12.0451% | 5,113 |
| Total risk-based capital ratio | 13.3032% | 5,009 |
| Memoranda: | ||
| Average total assets | $172,844,330 | 3,304 |
| Average earning assets | $157,476,000 | 3,340 |
| Average equity | $16,143,000 | 3,702 |
| Average total loans | $131,118,330 | 2,889 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 497 |
| Cost of funding earning assets | 0.4680% | 2,580 |
| Net interest margin | 4.6139% | 489 |
| Noninterest income to average assets | 0.8055% | 1,693 |
| Noninterest expense to average assets | 3.0738% | 2,348 |
| Loan and lease loss provision to assets | 0.1829% | 1,043 |
| Net operating income to assets | 1.7475% | 533 |
| Return on assets (ROA) | 1.7382% | 575 |
| Pretax return on assets | 1.7382% | 969 |
| Return on Equity (ROE) | 18.5409% | 346 |
| Retained earnings to average equity (ytd only) | -3.6786% | 5,842 |
| Net charge-offs to loans | 0.0031% | 3,216 |
| Credit loss provision to net charge-offs | 7,900.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 834.0000% | 50 |
| Efficiency ratio | 61.4246% | 4,892 |
| Assets per employee ($millions) | 3.0988% | 5,547 |
| Cash dividends to net income (ytd only)* | 119.8402% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 1,441 |
| Loan loss allowance to noncurrent loans | 229.9715% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 3,391 |
| Noncurrent loans to loans | 0.7940% | 3,262 |
| Net loans and leases to total assets | 74.8904% | 1,374 |
| Net loans and leases to deposits | 83.5646% | 2,136 |
| Net loans and leases to core deposits | 85.4481% | 2,606 |
| Total domestic deposits to total assets | 89.6197% | 939 |
| Equity capital to assets | 9.2906% | 4,982 |
| Core capital (leverage) ratio | 9.0323% | 4,911 |
| Tier 1 risk-based capital ratio | 12.3357% | 5,021 |
| Total risk-based capital ratio | 13.5941% | 4,929 |
| Memoranda: | ||
| Average total assets | $172,818,000 | 3,319 |
| Average earning assets | $157,262,500 | 3,360 |
| Average equity | $16,202,000 | 3,714 |
| Average total loans | $131,135,000 | 2,899 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 463 |
| Cost of funding earning assets | 0.5025% | 2,655 |
| Net interest margin | 4.7680% | 456 |
| Noninterest income to average assets | 0.8175% | 1,803 |
| Noninterest expense to average assets | 3.0663% | 2,635 |
| Loan and lease loss provision to assets | 0.1370% | 1,921 |
| Net operating income to assets | 1.9469% | 358 |
| Return on assets (ROA) | 1.9322% | 385 |
| Pretax return on assets | 1.9322% | 592 |
| Return on Equity (ROE) | 20.2018% | 243 |
| Retained earnings to average equity (ytd only) | 1.1796% | 5,248 |
| Net charge-offs to loans | 0.3086% | 1,427 |
| Credit loss provision to net charge-offs | 59.0331% | 3,305 |
| Earnings coverage of net charge-offs (x) | 8.9771% | 2,807 |
| Efficiency ratio | 59.5366% | 5,282 |
| Assets per employee ($millions) | 3.0733% | 5,599 |
| Cash dividends to net income (ytd only)* | 94.1608% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 1,535 |
| Loan loss allowance to noncurrent loans | 319.5355% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 4,158 |
| Noncurrent loans to loans | 0.5635% | 3,978 |
| Net loans and leases to total assets | 74.1152% | 1,566 |
| Net loans and leases to deposits | 82.8948% | 2,354 |
| Net loans and leases to core deposits | 84.7802% | 2,810 |
| Total domestic deposits to total assets | 89.4088% | 1,011 |
| Equity capital to assets | 9.4605% | 4,766 |
| Core capital (leverage) ratio | 9.2767% | 4,561 |
| Tier 1 risk-based capital ratio | 12.6068% | 4,972 |
| Total risk-based capital ratio | 13.8646% | 4,881 |
| Memoranda: | ||
| Average total assets | $169,291,000 | 3,353 |
| Average earning assets | $153,837,800 | 3,382 |
| Average equity | $16,191,600 | 3,641 |
| Average total loans | $127,357,800 | 2,912 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 441 |
| Cost of funding earning assets | 0.5117% | 2,638 |
| Net interest margin | 4.7955% | 433 |
| Noninterest income to average assets | 0.8494% | 1,699 |
| Noninterest expense to average assets | 3.0693% | 2,566 |
| Loan and lease loss provision to assets | 0.1495% | 1,669 |
| Net operating income to assets | 1.9882% | 349 |
| Return on assets (ROA) | 1.9906% | 363 |
| Pretax return on assets | 1.9906% | 585 |
| Return on Equity (ROE) | 20.7553% | 240 |
| Retained earnings to average equity (ytd only) | 1.7482% | 5,176 |
| Net charge-offs to loans | 0.0852% | 2,989 |
| Credit loss provision to net charge-offs | 233.3333% | 1,116 |
| Earnings coverage of net charge-offs (x) | 33.3695% | 1,279 |
| Efficiency ratio | 58.9459% | 5,317 |
| Assets per employee ($millions) | 2.9953% | 5,724 |
| Cash dividends to net income (ytd only)* | 91.5773% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 1,140 |
| Loan loss allowance to noncurrent loans | 302.9036% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 3,963 |
| Noncurrent loans to loans | 0.6822% | 3,900 |
| Net loans and leases to total assets | 73.6899% | 1,575 |
| Net loans and leases to deposits | 82.7147% | 2,332 |
| Net loans and leases to core deposits | 84.4646% | 2,831 |
| Total domestic deposits to total assets | 89.0893% | 1,186 |
| Equity capital to assets | 9.7410% | 4,496 |
| Core capital (leverage) ratio | 9.3746% | 4,540 |
| Tier 1 risk-based capital ratio | 13.0658% | 4,823 |
| Total risk-based capital ratio | 14.3269% | 4,743 |
| Memoranda: | ||
| Average total assets | $168,587,500 | 3,386 |
| Average earning assets | $153,196,000 | 3,415 |
| Average equity | $16,169,000 | 3,665 |
| Average total loans | $126,723,500 | 2,941 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 418 |
| Cost of funding earning assets | 0.5222% | 2,613 |
| Net interest margin | 4.8028% | 411 |
| Noninterest income to average assets | 0.8622% | 1,617 |
| Noninterest expense to average assets | 3.0532% | 2,655 |
| Loan and lease loss provision to assets | 0.1492% | 1,653 |
| Net operating income to assets | 2.0169% | 326 |
| Return on assets (ROA) | 2.0169% | 341 |
| Pretax return on assets | 2.0169% | 539 |
| Return on Equity (ROE) | 21.1391% | 237 |
| Retained earnings to average equity (ytd only) | -0.6455% | 5,803 |
| Net charge-offs to loans | 0.1340% | 2,330 |
| Credit loss provision to net charge-offs | 148.2353% | 1,467 |
| Earnings coverage of net charge-offs (x) | 21.5176% | 1,538 |
| Efficiency ratio | 58.4978% | 5,490 |
| Assets per employee ($millions) | 3.0188% | 5,728 |
| Cash dividends to net income (ytd only)* | 103.0534% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0234% | 1,321 |
| Loan loss allowance to noncurrent loans | 341.9919% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 4,350 |
| Noncurrent loans to loans | 0.5917% | 4,251 |
| Net loans and leases to total assets | 72.7814% | 1,608 |
| Net loans and leases to deposits | 81.4367% | 2,323 |
| Net loans and leases to core deposits | 83.1382% | 2,836 |
| Total domestic deposits to total assets | 89.3718% | 1,176 |
| Equity capital to assets | 9.5427% | 4,696 |
| Core capital (leverage) ratio | 9.2820% | 4,619 |
| Tier 1 risk-based capital ratio | 12.9213% | 4,961 |
| Total risk-based capital ratio | 14.1823% | 4,895 |
| Memoranda: | ||
| Average total assets | $168,872,000 | 3,395 |
| Average earning assets | $153,203,330 | 3,429 |
| Average equity | $16,112,330 | 3,673 |
| Average total loans | $126,894,330 | 2,928 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3877% | 356 |
| Cost of funding earning assets | 0.5283% | 2,624 |
| Net interest margin | 4.8594% | 344 |
| Noninterest income to average assets | 0.8461% | 1,579 |
| Noninterest expense to average assets | 3.0264% | 2,781 |
| Loan and lease loss provision to assets | 0.1493% | 1,627 |
| Net operating income to assets | 2.0737% | 294 |
| Return on assets (ROA) | 2.0737% | 305 |
| Pretax return on assets | 2.0737% | 448 |
| Return on Equity (ROE) | 21.7358% | 210 |
| Retained earnings to average equity (ytd only) | 1.2420% | 5,115 |
| Net charge-offs to loans | 0.2321% | 1,396 |
| Credit loss provision to net charge-offs | 85.1351% | 1,849 |
| Earnings coverage of net charge-offs (x) | 12.6757% | 1,706 |
| Efficiency ratio | 57.6524% | 5,683 |
| Assets per employee ($millions) | 3.0047% | 5,852 |
| Cash dividends to net income (ytd only)* | 94.2857% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 1,601 |
| Loan loss allowance to noncurrent loans | 1,263.4518% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 5,436 |
| Noncurrent loans to loans | 0.1551% | 5,617 |
| Net loans and leases to total assets | 74.0017% | 1,268 |
| Net loans and leases to deposits | 82.8312% | 1,964 |
| Net loans and leases to core deposits | 84.5678% | 2,456 |
| Total domestic deposits to total assets | 89.3404% | 1,452 |
| Equity capital to assets | 9.6172% | 4,335 |
| Core capital (leverage) ratio | 9.3544% | 4,497 |
| Tier 1 risk-based capital ratio | 12.8754% | 5,078 |
| Total risk-based capital ratio | 14.1352% | 5,014 |
| Memoranda: | ||
| Average total assets | $168,783,000 | 3,427 |
| Average earning assets | $152,940,500 | 3,461 |
| Average equity | $16,102,500 | 3,682 |
| Average total loans | $127,552,500 | 2,912 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5685% | 325 |
| Cost of funding earning assets | 0.6314% | 2,371 |
| Net interest margin | 4.9371% | 333 |
| Noninterest income to average assets | 0.8555% | 1,844 |
| Noninterest expense to average assets | 3.0130% | 3,018 |
| Loan and lease loss provision to assets | 0.1761% | 2,099 |
| Net operating income to assets | 2.1505% | 264 |
| Return on assets (ROA) | 2.1505% | 267 |
| Pretax return on assets | 2.1505% | 338 |
| Return on Equity (ROE) | 22.7616% | 185 |
| Retained earnings to average equity (ytd only) | 2.3226% | 4,598 |
| Net charge-offs to loans | 0.1560% | 3,240 |
| Credit loss provision to net charge-offs | 151.2563% | 1,534 |
| Earnings coverage of net charge-offs (x) | 19.9799% | 1,573 |
| Efficiency ratio | 56.4274% | 5,903 |
| Assets per employee ($millions) | 2.9703% | 5,874 |
| Cash dividends to net income (ytd only)* | 89.7959% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9516% | 1,669 |
| Loan loss allowance to noncurrent loans | 636.1323% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 4,896 |
| Noncurrent loans to loans | 0.3068% | 5,267 |
| Net loans and leases to total assets | 74.1856% | 1,314 |
| Net loans and leases to deposits | 82.9185% | 2,075 |
| Net loans and leases to core deposits | 84.9814% | 2,565 |
| Total domestic deposits to total assets | 89.4681% | 1,350 |
| Equity capital to assets | 9.4640% | 4,479 |
| Core capital (leverage) ratio | 9.3082% | 4,536 |
| Tier 1 risk-based capital ratio | 12.7728% | 5,132 |
| Total risk-based capital ratio | 14.0332% | 5,071 |
| Memoranda: | ||
| Average total assets | $170,893,600 | 3,397 |
| Average earning assets | $155,211,200 | 3,415 |
| Average equity | $16,145,600 | 3,677 |
| Average total loans | $127,544,200 | 2,896 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5911% | 324 |
| Cost of funding earning assets | 0.6459% | 2,401 |
| Net interest margin | 4.9451% | 348 |
| Noninterest income to average assets | 0.8772% | 1,832 |
| Noninterest expense to average assets | 2.9929% | 3,020 |
| Loan and lease loss provision to assets | 0.2179% | 1,669 |
| Net operating income to assets | 2.1655% | 278 |
| Return on assets (ROA) | 2.1655% | 285 |
| Pretax return on assets | 2.1655% | 421 |
| Return on Equity (ROE) | 22.9302% | 171 |
| Retained earnings to average equity (ytd only) | 5.2092% | 2,928 |
| Net charge-offs to loans | 0.1193% | 3,357 |
| Credit loss provision to net charge-offs | 245.6140% | 1,004 |
| Earnings coverage of net charge-offs (x) | 26.8589% | 1,332 |
| Efficiency ratio | 55.6682% | 5,948 |
| Assets per employee ($millions) | 2.8601% | 6,063 |
| Cash dividends to net income (ytd only)* | 77.2827% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 1,650 |
| Loan loss allowance to noncurrent loans | 471.3235% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 4,577 |
| Noncurrent loans to loans | 0.4309% | 5,123 |
| Net loans and leases to total assets | 74.5602% | 1,201 |
| Net loans and leases to deposits | 83.9516% | 1,881 |
| Net loans and leases to core deposits | 86.1022% | 2,396 |
| Total domestic deposits to total assets | 88.8134% | 1,661 |
| Equity capital to assets | 9.8091% | 4,167 |
| Core capital (leverage) ratio | 9.4410% | 4,488 |
| Tier 1 risk-based capital ratio | 13.2492% | 4,943 |
| Total risk-based capital ratio | 14.5100% | 4,877 |
| Memoranda: | ||
| Average total assets | $171,290,750 | 3,419 |
| Average earning assets | $155,839,750 | 3,443 |
| Average equity | $16,176,250 | 3,712 |
| Average total loans | $127,405,250 | 2,918 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 314 |
| Cost of funding earning assets | 0.6547% | 2,457 |
| Net interest margin | 4.9513% | 336 |
| Noninterest income to average assets | 0.8851% | 1,871 |
| Noninterest expense to average assets | 2.9580% | 3,134 |
| Loan and lease loss provision to assets | 0.2542% | 1,455 |
| Net operating income to assets | 2.1907% | 265 |
| Return on assets (ROA) | 2.1907% | 281 |
| Pretax return on assets | 2.1907% | 424 |
| Return on Equity (ROE) | 23.4881% | 156 |
| Retained earnings to average equity (ytd only) | 8.9319% | 1,152 |
| Net charge-offs to loans | 0.1189% | 3,179 |
| Credit loss provision to net charge-offs | 289.4737% | 893 |
| Earnings coverage of net charge-offs (x) | 27.8421% | 1,205 |
| Efficiency ratio | 54.7476% | 6,078 |
| Assets per employee ($millions) | 3.0299% | 5,799 |
| Cash dividends to net income (ytd only)* | 61.9726% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 1,867 |
| Loan loss allowance to noncurrent loans | 830.7190% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 5,033 |
| Noncurrent loans to loans | 0.2400% | 5,703 |
| Net loans and leases to total assets | 73.6570% | 1,307 |
| Net loans and leases to deposits | 82.6269% | 1,976 |
| Net loans and leases to core deposits | 84.2602% | 2,522 |
| Total domestic deposits to total assets | 89.1441% | 1,545 |
| Equity capital to assets | 9.5788% | 4,478 |
| Core capital (leverage) ratio | 9.2560% | 4,614 |
| Tier 1 risk-based capital ratio | 13.1975% | 4,997 |
| Total risk-based capital ratio | 14.4506% | 4,933 |
| Memoranda: | ||
| Average total assets | $173,092,330 | 3,407 |
| Average earning assets | $157,939,330 | 3,430 |
| Average equity | $16,144,330 | 3,747 |
| Average total loans | $127,790,670 | 2,921 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2979% | 515 |
| Cost of funding earning assets | 0.6701% | 2,479 |
| Net interest margin | 4.6278% | 542 |
| Noninterest income to average assets | 0.8535% | 1,918 |
| Noninterest expense to average assets | 3.0366% | 2,874 |
| Loan and lease loss provision to assets | 0.1373% | 2,526 |
| Net operating income to assets | 1.8993% | 408 |
| Return on assets (ROA) | 1.8993% | 446 |
| Pretax return on assets | 1.8993% | 738 |
| Return on Equity (ROE) | 20.6339% | 253 |
| Retained earnings to average equity (ytd only) | 9.4469% | 1,258 |
| Net charge-offs to loans | 0.0719% | 3,122 |
| Credit loss provision to net charge-offs | 260.8696% | 890 |
| Earnings coverage of net charge-offs (x) | 38.6957% | 814 |
| Efficiency ratio | 59.8557% | 5,606 |
| Assets per employee ($millions) | 3.0653% | 5,883 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 2,310 |
| Loan loss allowance to noncurrent loans | 137.7262% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 3,499 |
| Noncurrent loans to loans | 1.3777% | 3,499 |
| Net loans and leases to total assets | 72.0543% | 1,339 |
| Net loans and leases to deposits | 80.5345% | 2,016 |
| Net loans and leases to core deposits | 82.4993% | 2,511 |
| Total domestic deposits to total assets | 89.4701% | 1,375 |
| Equity capital to assets | 9.3120% | 5,115 |
| Core capital (leverage) ratio | 8.9613% | 4,947 |
| Tier 1 risk-based capital ratio | 12.6761% | 5,444 |
| Total risk-based capital ratio | 13.9356% | 5,392 |
| Memoranda: | ||
| Average total assets | $174,800,000 | 3,414 |
| Average earning assets | $159,384,000 | 3,442 |
| Average equity | $16,090,000 | 3,805 |
| Average total loans | $127,925,500 | 2,931 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5429% | 572 |
| Cost of funding earning assets | 0.8196% | 2,513 |
| Net interest margin | 4.7233% | 625 |
| Noninterest income to average assets | 0.7120% | 2,662 |
| Noninterest expense to average assets | 3.0090% | 3,238 |
| Loan and lease loss provision to assets | 0.0918% | 4,529 |
| Net operating income to assets | 1.9093% | 422 |
| Return on assets (ROA) | 1.9116% | 466 |
| Pretax return on assets | 1.9116% | 736 |
| Return on Equity (ROE) | 20.8887% | 266 |
| Retained earnings to average equity (ytd only) | 1.2664% | 5,233 |
| Net charge-offs to loans | 0.1709% | 4,010 |
| Credit loss provision to net charge-offs | 73.0594% | 4,068 |
| Earnings coverage of net charge-offs (x) | 15.9269% | 1,619 |
| Efficiency ratio | 60.0595% | 5,530 |
| Assets per employee ($millions) | 3.0152% | 5,991 |
| Cash dividends to net income (ytd only)* | 93.9376% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 2,351 |
| Loan loss allowance to noncurrent loans | 153.8165% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 3,373 |
| Noncurrent loans to loans | 1.2225% | 3,804 |
| Net loans and leases to total assets | 71.5489% | 1,560 |
| Net loans and leases to deposits | 79.7929% | 2,312 |
| Net loans and leases to core deposits | 81.8799% | 2,785 |
| Total domestic deposits to total assets | 89.6683% | 1,142 |
| Equity capital to assets | 9.0977% | 5,404 |
| Core capital (leverage) ratio | 8.7883% | 5,198 |
| Tier 1 risk-based capital ratio | 12.4826% | 5,493 |
| Total risk-based capital ratio | 13.7424% | 5,439 |
| Memoranda: | ||
| Average total assets | $174,307,800 | 3,383 |
| Average earning assets | $158,618,400 | 3,397 |
| Average equity | $15,951,200 | 3,779 |
| Average total loans | $128,145,600 | 2,915 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 587 |
| Cost of funding earning assets | 0.8544% | 2,506 |
| Net interest margin | 4.7145% | 660 |
| Noninterest income to average assets | 0.6989% | 2,717 |
| Noninterest expense to average assets | 2.9887% | 3,268 |
| Loan and lease loss provision to assets | 0.0842% | 4,560 |
| Net operating income to assets | 1.9177% | 439 |
| Return on assets (ROA) | 1.9177% | 507 |
| Pretax return on assets | 1.9177% | 838 |
| Return on Equity (ROE) | 20.9249% | 283 |
| Retained earnings to average equity (ytd only) | 3.1742% | 4,637 |
| Net charge-offs to loans | 0.0852% | 4,533 |
| Credit loss provision to net charge-offs | 134.1463% | 2,145 |
| Earnings coverage of net charge-offs (x) | 31.8904% | 1,046 |
| Efficiency ratio | 59.8865% | 5,519 |
| Assets per employee ($millions) | 2.9501% | 6,129 |
| Cash dividends to net income (ytd only)* | 84.8302% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 2,319 |
| Loan loss allowance to noncurrent loans | 169.9726% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 3,571 |
| Noncurrent loans to loans | 1.1487% | 4,140 |
| Net loans and leases to total assets | 71.6948% | 1,604 |
| Net loans and leases to deposits | 80.4657% | 2,322 |
| Net loans and leases to core deposits | 82.7434% | 2,867 |
| Total domestic deposits to total assets | 89.0999% | 1,374 |
| Equity capital to assets | 9.3339% | 5,428 |
| Core capital (leverage) ratio | 8.8181% | 5,313 |
| Tier 1 risk-based capital ratio | 12.6654% | 5,513 |
| Total risk-based capital ratio | 13.9255% | 5,463 |
| Memoranda: | ||
| Average total assets | $174,165,000 | 3,428 |
| Average earning assets | $158,543,500 | 3,437 |
| Average equity | $15,961,500 | 3,822 |
| Average total loans | $128,301,500 | 2,952 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5825% | 597 |
| Cost of funding earning assets | 0.8741% | 2,613 |
| Net interest margin | 4.7084% | 663 |
| Noninterest income to average assets | 0.7015% | 2,661 |
| Noninterest expense to average assets | 2.9781% | 3,340 |
| Loan and lease loss provision to assets | 0.1263% | 3,942 |
| Net operating income to assets | 1.8829% | 478 |
| Return on assets (ROA) | 1.8829% | 545 |
| Pretax return on assets | 1.8829% | 875 |
| Return on Equity (ROE) | 20.6723% | 314 |
| Retained earnings to average equity (ytd only) | 1.7017% | 5,342 |
| Net charge-offs to loans | -0.0062% | 6,203 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7145% | 5,624 |
| Assets per employee ($millions) | 3.0382% | 5,984 |
| Cash dividends to net income (ytd only)* | 91.7683% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 2,201 |
| Loan loss allowance to noncurrent loans | 136.5374% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 3,516 |
| Noncurrent loans to loans | 1.4721% | 3,703 |
| Net loans and leases to total assets | 71.1288% | 1,714 |
| Net loans and leases to deposits | 79.3951% | 2,463 |
| Net loans and leases to core deposits | 81.5900% | 3,007 |
| Total domestic deposits to total assets | 89.5884% | 1,168 |
| Equity capital to assets | 9.0082% | 5,692 |
| Core capital (leverage) ratio | 8.6573% | 5,440 |
| Tier 1 risk-based capital ratio | 12.4312% | 5,624 |
| Total risk-based capital ratio | 13.6923% | 5,590 |
| Memoranda: | ||
| Average total assets | $174,202,330 | 3,444 |
| Average earning assets | $158,566,330 | 3,454 |
| Average equity | $15,866,670 | 3,828 |
| Average total loans | $128,644,670 | 2,951 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6705% | 546 |
| Cost of funding earning assets | 0.9006% | 2,688 |
| Net interest margin | 4.7699% | 605 |
| Noninterest income to average assets | 0.7298% | 2,500 |
| Noninterest expense to average assets | 3.0163% | 3,186 |
| Loan and lease loss provision to assets | 0.1155% | 3,908 |
| Net operating income to assets | 1.9285% | 475 |
| Return on assets (ROA) | 1.9285% | 544 |
| Pretax return on assets | 1.9285% | 829 |
| Return on Equity (ROE) | 21.0553% | 315 |
| Retained earnings to average equity (ytd only) | 1.2608% | 5,589 |
| Net charge-offs to loans | 0.0372% | 4,178 |
| Credit loss provision to net charge-offs | 416.6667% | 757 |
| Earnings coverage of net charge-offs (x) | 73.7500% | 454 |
| Efficiency ratio | 59.6075% | 5,677 |
| Assets per employee ($millions) | 3.0405% | 6,077 |
| Cash dividends to net income (ytd only)* | 94.0120% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 2,533 |
| Loan loss allowance to noncurrent loans | 157.7118% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 1.3836% | 3,800 |
| Noncurrent loans to loans | 1.2346% | 4,276 |
| Net loans and leases to total assets | 71.2447% | 1,529 |
| Net loans and leases to deposits | 79.7350% | 2,238 |
| Net loans and leases to core deposits | 82.3356% | 2,778 |
| Total domestic deposits to total assets | 89.3519% | 1,452 |
| Equity capital to assets | 9.0167% | 5,470 |
| Core capital (leverage) ratio | 8.8032% | 5,127 |
| Tier 1 risk-based capital ratio | 12.2876% | 5,770 |
| Total risk-based capital ratio | 13.5478% | 5,718 |
| Memoranda: | ||
| Average total assets | $173,195,000 | 3,477 |
| Average earning assets | $157,235,500 | 3,485 |
| Average equity | $15,863,000 | 3,835 |
| Average total loans | $129,011,000 | 2,958 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9342% | 483 |
| Cost of funding earning assets | 1.0535% | 2,994 |
| Net interest margin | 4.8807% | 532 |
| Noninterest income to average assets | 0.7801% | 2,164 |
| Noninterest expense to average assets | 3.0553% | 3,373 |
| Loan and lease loss provision to assets | 0.2482% | 3,725 |
| Net operating income to assets | 1.8982% | 380 |
| Return on assets (ROA) | 1.9017% | 406 |
| Pretax return on assets | 1.9017% | 660 |
| Return on Equity (ROE) | 20.7209% | 235 |
| Retained earnings to average equity (ytd only) | 3.8377% | 3,481 |
| Net charge-offs to loans | 0.1817% | 4,699 |
| Credit loss provision to net charge-offs | 178.7234% | 1,466 |
| Earnings coverage of net charge-offs (x) | 15.4553% | 1,389 |
| Efficiency ratio | 58.7367% | 5,942 |
| Assets per employee ($millions) | 2.9317% | 6,226 |
| Cash dividends to net income (ytd only)* | 81.4792% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 2,593 |
| Loan loss allowance to noncurrent loans | 156.0000% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 3,932 |
| Noncurrent loans to loans | 1.2126% | 4,342 |
| Net loans and leases to total assets | 74.9412% | 1,098 |
| Net loans and leases to deposits | 84.8052% | 1,831 |
| Net loans and leases to core deposits | 87.8906% | 2,389 |
| Total domestic deposits to total assets | 88.3686% | 1,926 |
| Equity capital to assets | 9.3066% | 5,140 |
| Core capital (leverage) ratio | 9.0022% | 4,787 |
| Tier 1 risk-based capital ratio | 12.1795% | 5,702 |
| Total risk-based capital ratio | 13.4361% | 5,673 |
| Memoranda: | ||
| Average total assets | $169,216,800 | 3,504 |
| Average earning assets | $153,296,800 | 3,525 |
| Average equity | $15,530,200 | 3,809 |
| Average total loans | $129,324,800 | 2,991 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0086% | 448 |
| Cost of funding earning assets | 1.0837% | 3,083 |
| Net interest margin | 4.9249% | 483 |
| Noninterest income to average assets | 0.7786% | 2,150 |
| Noninterest expense to average assets | 3.0538% | 3,337 |
| Loan and lease loss provision to assets | 0.2998% | 3,124 |
| Net operating income to assets | 1.8886% | 436 |
| Return on assets (ROA) | 1.8933% | 464 |
| Pretax return on assets | 1.8933% | 790 |
| Return on Equity (ROE) | 20.7027% | 269 |
| Retained earnings to average equity (ytd only) | 3.4763% | 4,265 |
| Net charge-offs to loans | 0.0702% | 5,259 |
| Credit loss provision to net charge-offs | 558.8235% | 496 |
| Earnings coverage of net charge-offs (x) | 40.7961% | 761 |
| Efficiency ratio | 58.2543% | 5,970 |
| Assets per employee ($millions) | 2.8135% | 6,467 |
| Cash dividends to net income (ytd only)* | 83.2083% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9925% | 2,358 |
| Loan loss allowance to noncurrent loans | 136.6473% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 3,960 |
| Noncurrent loans to loans | 1.4582% | 4,110 |
| Net loans and leases to total assets | 76.5672% | 900 |
| Net loans and leases to deposits | 87.1640% | 1,534 |
| Net loans and leases to core deposits | 90.6329% | 2,174 |
| Total domestic deposits to total assets | 87.8426% | 2,136 |
| Equity capital to assets | 9.4640% | 5,139 |
| Core capital (leverage) ratio | 8.8209% | 5,229 |
| Tier 1 risk-based capital ratio | 12.2798% | 5,682 |
| Total risk-based capital ratio | 13.5407% | 5,659 |
| Memoranda: | ||
| Average total assets | $169,011,000 | 3,539 |
| Average earning assets | $153,177,750 | 3,547 |
| Average equity | $15,456,500 | 3,834 |
| Average total loans | $129,184,250 | 3,023 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9665% | 507 |
| Cost of funding earning assets | 1.1075% | 3,186 |
| Net interest margin | 4.8591% | 538 |
| Noninterest income to average assets | 0.8505% | 1,802 |
| Noninterest expense to average assets | 3.0233% | 3,552 |
| Loan and lease loss provision to assets | 0.3764% | 2,535 |
| Net operating income to assets | 1.8587% | 437 |
| Return on assets (ROA) | 1.8587% | 464 |
| Pretax return on assets | 1.8587% | 770 |
| Return on Equity (ROE) | 20.5569% | 281 |
| Retained earnings to average equity (ytd only) | 2.6412% | 4,612 |
| Net charge-offs to loans | 0.0093% | 5,721 |
| Credit loss provision to net charge-offs | 5,333.3333% | 59 |
| Earnings coverage of net charge-offs (x) | 316.6667% | 106 |
| Efficiency ratio | 57.4944% | 6,230 |
| Assets per employee ($millions) | 2.7993% | 6,472 |
| Cash dividends to net income (ytd only)* | 87.1519% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 2,398 |
| Loan loss allowance to noncurrent loans | 563.3987% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 5,705 |
| Noncurrent loans to loans | 0.3534% | 6,214 |
| Net loans and leases to total assets | 75.7838% | 1,106 |
| Net loans and leases to deposits | 86.9498% | 1,655 |
| Net loans and leases to core deposits | 90.2417% | 2,346 |
| Total domestic deposits to total assets | 87.1581% | 2,651 |
| Equity capital to assets | 9.2499% | 5,202 |
| Core capital (leverage) ratio | 8.6367% | 5,330 |
| Tier 1 risk-based capital ratio | 11.8952% | 5,865 |
| Total risk-based capital ratio | 13.1556% | 5,831 |
| Memoranda: | ||
| Average total assets | $170,015,330 | 3,535 |
| Average earning assets | $154,227,330 | 3,559 |
| Average equity | $15,372,000 | 3,843 |
| Average total loans | $129,017,670 | 3,055 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9533% | 524 |
| Cost of funding earning assets | 1.1674% | 3,041 |
| Net interest margin | 4.7859% | 586 |
| Noninterest income to average assets | 0.8349% | 1,905 |
| Noninterest expense to average assets | 2.9326% | 3,932 |
| Loan and lease loss provision to assets | 0.3976% | 2,205 |
| Net operating income to assets | 1.8381% | 457 |
| Return on assets (ROA) | 1.8381% | 482 |
| Pretax return on assets | 1.8381% | 758 |
| Return on Equity (ROE) | 20.5625% | 311 |
| Retained earnings to average equity (ytd only) | 6.4617% | 2,388 |
| Net charge-offs to loans | -0.0467% | 6,859 |
| Credit loss provision to net charge-offs | -1,133.3333% | 6,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7421% | 6,415 |
| Assets per employee ($millions) | 2.8645% | 6,413 |
| Cash dividends to net income (ytd only)* | 68.5751% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 2,630 |
| Loan loss allowance to noncurrent loans | 1,121.9178% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 6,069 |
| Noncurrent loans to loans | 0.1710% | 6,626 |
| Net loans and leases to total assets | 74.3163% | 1,298 |
| Net loans and leases to deposits | 85.5363% | 1,798 |
| Net loans and leases to core deposits | 88.7958% | 2,505 |
| Total domestic deposits to total assets | 86.8827% | 3,007 |
| Equity capital to assets | 9.1269% | 4,995 |
| Core capital (leverage) ratio | 8.5849% | 5,290 |
| Tier 1 risk-based capital ratio | 12.0515% | 5,641 |
| Total risk-based capital ratio | 13.3114% | 5,628 |
| Memoranda: | ||
| Average total assets | $171,044,000 | 3,540 |
| Average earning assets | $154,872,500 | 3,565 |
| Average equity | $15,290,000 | 3,849 |
| Average total loans | $128,591,000 | 3,090 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3819% | 398 |
| Cost of funding earning assets | 1.4275% | 3,085 |
| Net interest margin | 4.9544% | 481 |
| Noninterest income to average assets | 0.7563% | 2,509 |
| Noninterest expense to average assets | 3.0595% | 3,630 |
| Loan and lease loss provision to assets | 0.4742% | 3,294 |
| Net operating income to assets | 1.6291% | 593 |
| Return on assets (ROA) | 1.6479% | 615 |
| Pretax return on assets | 1.6757% | 986 |
| Return on Equity (ROE) | 18.9770% | 314 |
| Retained earnings to average equity (ytd only) | 2.2794% | 4,281 |
| Net charge-offs to loans | 0.4621% | 3,771 |
| Credit loss provision to net charge-offs | 131.9871% | 2,984 |
| Earnings coverage of net charge-offs (x) | 5.9305% | 2,492 |
| Efficiency ratio | 58.9465% | 6,208 |
| Assets per employee ($millions) | 2.8374% | 6,461 |
| Cash dividends to net income (ytd only)* | 87.9887% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 2,992 |
| Loan loss allowance to noncurrent loans | 1,336.4706% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 5,923 |
| Noncurrent loans to loans | 0.1317% | 6,809 |
| Net loans and leases to total assets | 73.2913% | 1,810 |
| Net loans and leases to deposits | 87.5036% | 1,858 |
| Net loans and leases to core deposits | 90.5557% | 2,683 |
| Total domestic deposits to total assets | 83.7580% | 4,474 |
| Equity capital to assets | 8.7560% | 5,503 |
| Core capital (leverage) ratio | 8.3795% | 5,579 |
| Tier 1 risk-based capital ratio | 11.6602% | 5,761 |
| Total risk-based capital ratio | 12.9140% | 5,762 |
| Memoranda: | ||
| Average total assets | $172,281,200 | 3,492 |
| Average earning assets | $154,185,600 | 3,572 |
| Average equity | $14,960,200 | 3,946 |
| Average total loans | $133,951,000 | 3,054 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4076% | 404 |
| Cost of funding earning assets | 1.4767% | 3,107 |
| Net interest margin | 4.9309% | 523 |
| Noninterest income to average assets | 0.7578% | 2,466 |
| Noninterest expense to average assets | 3.0837% | 3,405 |
| Loan and lease loss provision to assets | 0.4781% | 3,082 |
| Net operating income to assets | 1.5726% | 781 |
| Return on assets (ROA) | 1.5977% | 820 |
| Pretax return on assets | 1.6248% | 1,282 |
| Return on Equity (ROE) | 18.4372% | 441 |
| Retained earnings to average equity (ytd only) | 1.6363% | 5,135 |
| Net charge-offs to loans | 0.2200% | 4,624 |
| Credit loss provision to net charge-offs | 276.6816% | 1,181 |
| Earnings coverage of net charge-offs (x) | 12.0223% | 1,729 |
| Efficiency ratio | 59.7508% | 5,992 |
| Assets per employee ($millions) | 2.8939% | 6,387 |
| Cash dividends to net income (ytd only)* | 91.1252% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 2,686 |
| Loan loss allowance to noncurrent loans | 182.1402% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 4,561 |
| Noncurrent loans to loans | 1.0056% | 5,225 |
| Net loans and leases to total assets | 77.4760% | 1,131 |
| Net loans and leases to deposits | 94.1649% | 1,182 |
| Net loans and leases to core deposits | 97.5524% | 2,087 |
| Total domestic deposits to total assets | 82.2769% | 4,881 |
| Equity capital to assets | 8.8896% | 5,720 |
| Core capital (leverage) ratio | 8.2731% | 5,921 |
| Tier 1 risk-based capital ratio | 11.2200% | 6,175 |
| Total risk-based capital ratio | 12.4787% | 6,161 |
| Memoranda: | ||
| Average total assets | $172,081,000 | 3,539 |
| Average earning assets | $153,667,250 | 3,629 |
| Average equity | $14,911,500 | 4,007 |
| Average total loans | $135,157,250 | 3,074 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4465% | 377 |
| Cost of funding earning assets | 1.5080% | 3,211 |
| Net interest margin | 4.9385% | 490 |
| Noninterest income to average assets | 0.7013% | 2,696 |
| Noninterest expense to average assets | 2.9989% | 3,715 |
| Loan and lease loss provision to assets | 0.4718% | 2,956 |
| Net operating income to assets | 1.5951% | 733 |
| Return on assets (ROA) | 1.5951% | 790 |
| Pretax return on assets | 1.6229% | 1,239 |
| Return on Equity (ROE) | 18.5662% | 421 |
| Retained earnings to average equity (ytd only) | 1.8350% | 4,951 |
| Net charge-offs to loans | 0.1626% | 4,642 |
| Credit loss provision to net charge-offs | 370.0000% | 987 |
| Earnings coverage of net charge-offs (x) | 16.4273% | 1,404 |
| Efficiency ratio | 58.8757% | 6,248 |
| Assets per employee ($millions) | 2.7430% | 6,705 |
| Cash dividends to net income (ytd only)* | 90.1163% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,849 |
| Loan loss allowance to noncurrent loans | 207.8002% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 5,130 |
| Noncurrent loans to loans | 0.8475% | 5,574 |
| Net loans and leases to total assets | 76.5381% | 1,381 |
| Net loans and leases to deposits | 92.5332% | 1,453 |
| Net loans and leases to core deposits | 95.7658% | 2,467 |
| Total domestic deposits to total assets | 82.7142% | 4,689 |
| Equity capital to assets | 8.6996% | 5,886 |
| Core capital (leverage) ratio | 8.1365% | 6,054 |
| Tier 1 risk-based capital ratio | 10.8708% | 6,384 |
| Total risk-based capital ratio | 12.1342% | 6,356 |
| Memoranda: | ||
| Average total assets | $172,528,670 | 3,561 |
| Average earning assets | $153,447,670 | 3,648 |
| Average equity | $14,822,670 | 4,026 |
| Average total loans | $135,293,330 | 3,098 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5335% | 336 |
| Cost of funding earning assets | 1.5504% | 3,263 |
| Net interest margin | 4.9830% | 433 |
| Noninterest income to average assets | 0.7124% | 2,518 |
| Noninterest expense to average assets | 2.9817% | 3,742 |
| Loan and lease loss provision to assets | 0.4501% | 2,717 |
| Net operating income to assets | 1.6451% | 690 |
| Return on assets (ROA) | 1.6451% | 737 |
| Pretax return on assets | 1.6730% | 1,108 |
| Return on Equity (ROE) | 19.2702% | 420 |
| Retained earnings to average equity (ytd only) | 1.5764% | 5,159 |
| Net charge-offs to loans | 0.0059% | 5,529 |
| Credit loss provision to net charge-offs | 9,700.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 457.5000% | 60 |
| Efficiency ratio | 58.4091% | 6,422 |
| Assets per employee ($millions) | 2.7175% | 6,829 |
| Cash dividends to net income (ytd only)* | 91.8195% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 3,192 |
| Loan loss allowance to noncurrent loans | 443.4442% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 5,893 |
| Noncurrent loans to loans | 0.3757% | 6,538 |
| Net loans and leases to total assets | 78.1285% | 1,127 |
| Net loans and leases to deposits | 94.3978% | 1,305 |
| Net loans and leases to core deposits | 98.2142% | 2,321 |
| Total domestic deposits to total assets | 82.7652% | 4,730 |
| Equity capital to assets | 8.6367% | 5,821 |
| Core capital (leverage) ratio | 8.1488% | 5,995 |
| Tier 1 risk-based capital ratio | 10.6484% | 6,495 |
| Total risk-based capital ratio | 11.8981% | 6,484 |
| Memoranda: | ||
| Average total assets | $172,387,000 | 3,623 |
| Average earning assets | $151,956,000 | 3,725 |
| Average equity | $14,717,000 | 4,076 |
| Average total loans | $135,621,000 | 3,152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7198% | 445 |
| Cost of funding earning assets | 1.7870% | 4,059 |
| Net interest margin | 4.9328% | 515 |
| Noninterest income to average assets | 0.7784% | 2,522 |
| Noninterest expense to average assets | 3.1990% | 3,381 |
| Loan and lease loss provision to assets | 0.3576% | 4,659 |
| Net operating income to assets | 1.6188% | 521 |
| Return on assets (ROA) | 1.7610% | 413 |
| Pretax return on assets | 1.7896% | 650 |
| Return on Equity (ROE) | 20.4938% | 225 |
| Retained earnings to average equity (ytd only) | 3.1262% | 2,971 |
| Net charge-offs to loans | 0.5050% | 3,760 |
| Credit loss provision to net charge-offs | 89.1369% | 6,034 |
| Earnings coverage of net charge-offs (x) | 4.9911% | 2,726 |
| Efficiency ratio | 61.5058% | 6,238 |
| Assets per employee ($millions) | 2.6704% | 6,910 |
| Cash dividends to net income (ytd only)* | 84.7458% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 3,557 |
| Loan loss allowance to noncurrent loans | 363.2224% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 5,138 |
| Noncurrent loans to loans | 0.4223% | 6,427 |
| Net loans and leases to total assets | 76.7085% | 1,647 |
| Net loans and leases to deposits | 93.7866% | 1,622 |
| Net loans and leases to core deposits | 113.7631% | 2,522 |
| Total domestic deposits to total assets | 81.7905% | 5,037 |
| Equity capital to assets | 8.4391% | 5,997 |
| Core capital (leverage) ratio | 8.2528% | 5,714 |
| Tier 1 risk-based capital ratio | 10.5933% | 6,305 |
| Total risk-based capital ratio | 11.8417% | 6,287 |
| Memoranda: | ||
| Average total assets | $167,522,800 | 3,650 |
| Average earning assets | $150,197,200 | 3,714 |
| Average equity | $14,394,600 | 4,173 |
| Average total loans | $133,061,600 | 3,210 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7393% | 471 |
| Cost of funding earning assets | 1.8360% | 4,215 |
| Net interest margin | 4.9032% | 550 |
| Noninterest income to average assets | 0.7831% | 2,525 |
| Noninterest expense to average assets | 3.2728% | 3,019 |
| Loan and lease loss provision to assets | 0.3437% | 4,261 |
| Net operating income to assets | 1.5620% | 719 |
| Return on assets (ROA) | 1.7533% | 526 |
| Pretax return on assets | 1.7822% | 834 |
| Return on Equity (ROE) | 20.3094% | 292 |
| Retained earnings to average equity (ytd only) | 3.5632% | 3,300 |
| Net charge-offs to loans | 0.2908% | 4,214 |
| Credit loss provision to net charge-offs | 148.0969% | 3,264 |
| Earnings coverage of net charge-offs (x) | 8.3184% | 2,269 |
| Efficiency ratio | 62.8955% | 5,948 |
| Assets per employee ($millions) | 2.5262% | 7,185 |
| Cash dividends to net income (ytd only)* | 82.4554% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 2,581 |
| Loan loss allowance to noncurrent loans | 222.5901% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 4,585 |
| Noncurrent loans to loans | 0.7696% | 5,765 |
| Net loans and leases to total assets | 78.6709% | 1,452 |
| Net loans and leases to deposits | 98.0615% | 1,322 |
| Net loans and leases to core deposits | 120.1568% | 2,227 |
| Total domestic deposits to total assets | 80.2261% | 5,357 |
| Equity capital to assets | 8.7897% | 5,818 |
| Core capital (leverage) ratio | 8.2395% | 5,946 |
| Tier 1 risk-based capital ratio | 10.7902% | 6,170 |
| Total risk-based capital ratio | 12.0469% | 6,128 |
| Memoranda: | ||
| Average total assets | $166,010,000 | 3,692 |
| Average earning assets | $149,666,250 | 3,732 |
| Average equity | $14,331,250 | 4,223 |
| Average total loans | $132,522,000 | 3,252 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7471% | 495 |
| Cost of funding earning assets | 1.8701% | 4,420 |
| Net interest margin | 4.8770% | 564 |
| Noninterest income to average assets | 0.7504% | 2,701 |
| Noninterest expense to average assets | 3.2792% | 3,056 |
| Loan and lease loss provision to assets | 0.3101% | 4,090 |
| Net operating income to assets | 1.5421% | 765 |
| Return on assets (ROA) | 1.7892% | 513 |
| Pretax return on assets | 1.8182% | 820 |
| Return on Equity (ROE) | 20.8531% | 288 |
| Retained earnings to average equity (ytd only) | 2.5732% | 3,894 |
| Net charge-offs to loans | -0.0197% | 7,695 |
| Credit loss provision to net charge-offs | -1,976.9231% | 7,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6087% | 5,983 |
| Assets per employee ($millions) | 2.5176% | 7,213 |
| Cash dividends to net income (ytd only)* | 87.6601% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,004 |
| Loan loss allowance to noncurrent loans | 158.9086% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 4,755 |
| Noncurrent loans to loans | 1.1421% | 4,933 |
| Net loans and leases to total assets | 78.6951% | 1,593 |
| Net loans and leases to deposits | 97.9117% | 1,530 |
| Net loans and leases to core deposits | 117.1964% | 2,613 |
| Total domestic deposits to total assets | 80.3736% | 5,327 |
| Equity capital to assets | 8.6282% | 5,855 |
| Core capital (leverage) ratio | 8.2663% | 5,860 |
| Tier 1 risk-based capital ratio | 10.7066% | 6,174 |
| Total risk-based capital ratio | 11.9649% | 6,114 |
| Memoranda: | ||
| Average total assets | $165,770,000 | 3,709 |
| Average earning assets | $149,724,330 | 3,749 |
| Average equity | $14,223,330 | 4,258 |
| Average total loans | $132,211,330 | 3,297 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7803% | 498 |
| Cost of funding earning assets | 1.9380% | 4,445 |
| Net interest margin | 4.8423% | 557 |
| Noninterest income to average assets | 0.7248% | 2,737 |
| Noninterest expense to average assets | 3.3605% | 2,472 |
| Loan and lease loss provision to assets | 0.3406% | 3,284 |
| Net operating income to assets | 1.3871% | 1,167 |
| Return on assets (ROA) | 1.8819% | 503 |
| Pretax return on assets | 1.9109% | 780 |
| Return on Equity (ROE) | 21.9956% | 309 |
| Retained earnings to average equity (ytd only) | 5.0542% | 3,091 |
| Net charge-offs to loans | -0.0638% | 7,772 |
| Credit loss provision to net charge-offs | -671.4286% | 6,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7994% | 5,363 |
| Assets per employee ($millions) | 2.5925% | 7,110 |
| Cash dividends to net income (ytd only)* | 77.0218% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 2,005 |
| Loan loss allowance to noncurrent loans | 165.6385% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 4,642 |
| Noncurrent loans to loans | 1.0516% | 4,882 |
| Net loans and leases to total assets | 78.5023% | 1,699 |
| Net loans and leases to deposits | 97.9979% | 1,666 |
| Net loans and leases to core deposits | 116.5766% | 2,731 |
| Total domestic deposits to total assets | 80.1061% | 5,327 |
| Equity capital to assets | 8.5601% | 5,973 |
| Core capital (leverage) ratio | 8.2878% | 5,926 |
| Tier 1 risk-based capital ratio | 10.7553% | 6,138 |
| Total risk-based capital ratio | 12.0125% | 6,037 |
| Memoranda: | ||
| Average total assets | $165,573,000 | 3,732 |
| Average earning assets | $149,845,000 | 3,757 |
| Average equity | $14,166,500 | 4,300 |
| Average total loans | $131,727,000 | 3,330 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4006% | 489 |
| Cost of funding earning assets | 2.5490% | 3,963 |
| Net interest margin | 4.8515% | 705 |
| Noninterest income to average assets | 0.7064% | 3,085 |
| Noninterest expense to average assets | 3.1199% | 3,617 |
| Loan and lease loss provision to assets | 0.2213% | 4,672 |
| Net operating income to assets | 1.7139% | 661 |
| Return on assets (ROA) | 1.6906% | 664 |
| Pretax return on assets | 1.7198% | 1,102 |
| Return on Equity (ROE) | 20.2851% | 349 |
| Retained earnings to average equity (ytd only) | 5.3320% | 1,841 |
| Net charge-offs to loans | 0.1269% | 4,971 |
| Credit loss provision to net charge-offs | 226.0870% | 2,105 |
| Earnings coverage of net charge-offs (x) | 20.0745% | 1,595 |
| Efficiency ratio | 61.3582% | 6,093 |
| Assets per employee ($millions) | 2.5419% | 7,129 |
| Cash dividends to net income (ytd only)* | 73.7145% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 2,098 |
| Loan loss allowance to noncurrent loans | 365.7581% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 5,548 |
| Noncurrent loans to loans | 0.4485% | 6,010 |
| Net loans and leases to total assets | 77.9218% | 2,166 |
| Net loans and leases to deposits | 97.0401% | 2,285 |
| Net loans and leases to core deposits | 115.4796% | 3,180 |
| Total domestic deposits to total assets | 80.2985% | 4,909 |
| Equity capital to assets | 8.5519% | 6,012 |
| Core capital (leverage) ratio | 8.2530% | 6,049 |
| Tier 1 risk-based capital ratio | 10.6483% | 6,049 |
| Total risk-based capital ratio | 11.9041% | 5,949 |
| Memoranda: | ||
| Average total assets | $164,494,000 | 3,638 |
| Average earning assets | $148,448,400 | 3,685 |
| Average equity | $13,709,600 | 4,398 |
| Average total loans | $126,919,000 | 3,319 |