Home > Charlotte State Bank & Trust > Performance and Condition Ratios
Charlotte State Bank & Trust, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 3,019 |
| Cost of funding earning assets | 0.2558% | 4,373 |
| Net interest margin | 4.0852% | 1,106 |
| Noninterest income to average assets | 1.1800% | 453 |
| Noninterest expense to average assets | 2.3464% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.8468% | 169 |
| Return on assets (ROA) | 2.8468% | 167 |
| Pretax return on assets | 2.8468% | 234 |
| Return on Equity (ROE) | 37.1000% | 128 |
| Retained earnings to average equity (ytd only) | 9.4513% | 1,563 |
| Net charge-offs to loans | 0.0283% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 284.6667% | 470 |
| Efficiency ratio | 45.1797% | 4,200 |
| Assets per employee ($millions) | 10.6676% | 552 |
| Cash dividends to net income (ytd only)* | 74.5236% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 868 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.5300% | 4,134 |
| Net loans and leases to deposits | 40.9014% | 4,192 |
| Net loans and leases to core deposits | 40.9814% | 4,240 |
| Total domestic deposits to total assets | 91.7500% | 465 |
| Equity capital to assets | 8.0375% | 3,185 |
| Core capital (leverage) ratio | 8.0899% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3774% | 532 |
| Memoranda: | ||
| Average total assets | $659,895,000 | 1,359 |
| Average earning assets | $648,138,667 | 1,301 |
| Average equity | $50,638,333 | 1,585 |
| Average total loans | $233,283,333 | 2,082 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,369 |
| Cost of funding earning assets | 0.0422% | 4,588 |
| Net interest margin | 4.0015% | 1,261 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 2.2496% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.8551% | 172 |
| Return on assets (ROA) | 2.8551% | 170 |
| Pretax return on assets | 2.8551% | 235 |
| Return on Equity (ROE) | 38.0500% | 130 |
| Retained earnings to average equity (ytd only) | 38.0467% | 69 |
| Net charge-offs to loans | 0.0191% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 438.3636% | 256 |
| Efficiency ratio | 44.0538% | 4,301 |
| Assets per employee ($millions) | 10.9660% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 818 |
| Loan loss allowance to noncurrent loans | 131,466.6667% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,948 |
| Noncurrent loans to loans | 0.0013% | 3,868 |
| Net loans and leases to total assets | 33.6300% | 4,277 |
| Net loans and leases to deposits | 36.5591% | 4,310 |
| Net loans and leases to core deposits | 36.6816% | 4,352 |
| Total domestic deposits to total assets | 92.0000% | 514 |
| Equity capital to assets | 7.8408% | 3,351 |
| Core capital (leverage) ratio | 8.2132% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6492% | 456 |
| Memoranda: | ||
| Average total assets | $675,148,000 | 1,352 |
| Average earning assets | $663,152,000 | 1,297 |
| Average equity | $50,664,000 | 1,596 |
| Average total loans | $229,868,500 | 2,116 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7791% | 4,346 |
| Cost of funding earning assets | 0.0411% | 4,589 |
| Net interest margin | 2.7380% | 3,995 |
| Noninterest income to average assets | 1.2500% | 439 |
| Noninterest expense to average assets | 2.1875% | 3,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7492% | 490 |
| Return on assets (ROA) | 1.3532% | 1,228 |
| Pretax return on assets | 1.3532% | 1,925 |
| Return on Equity (ROE) | 18.0700% | 695 |
| Retained earnings to average equity (ytd only) | 5.6286% | 2,775 |
| Net charge-offs to loans | 0.0222% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 229.8980% | 584 |
| Efficiency ratio | 55.5674% | 3,625 |
| Assets per employee ($millions) | 10.9902% | 509 |
| Cash dividends to net income (ytd only)* | 68.8468% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 746 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 33.2900% | 4,308 |
| Net loans and leases to deposits | 35.9048% | 4,345 |
| Net loans and leases to core deposits | 36.0113% | 4,373 |
| Total domestic deposits to total assets | 92.7100% | 466 |
| Equity capital to assets | 7.1627% | 3,574 |
| Core capital (leverage) ratio | 7.6420% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0384% | 545 |
| Memoranda: | ||
| Average total assets | $644,017,000 | 1,395 |
| Average earning assets | $632,172,200 | 1,328 |
| Average equity | $48,236,000 | 1,666 |
| Average total loans | $220,610,400 | 2,107 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4401% | 4,478 |
| Cost of funding earning assets | 0.0399% | 4,613 |
| Net interest margin | 2.4002% | 4,326 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 2.2515% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3667% | 1,180 |
| Return on assets (ROA) | 1.3669% | 1,149 |
| Pretax return on assets | 1.3669% | 1,826 |
| Return on Equity (ROE) | 18.0400% | 636 |
| Retained earnings to average equity (ytd only) | 18.0432% | 162 |
| Net charge-offs to loans | 0.0231% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 171.9474% | 682 |
| Efficiency ratio | 62.2268% | 2,800 |
| Assets per employee ($millions) | 10.5949% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 728 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 33.4900% | 4,319 |
| Net loans and leases to deposits | 36.3236% | 4,352 |
| Net loans and leases to core deposits | 36.4369% | 4,391 |
| Total domestic deposits to total assets | 92.2000% | 817 |
| Equity capital to assets | 7.5837% | 3,162 |
| Core capital (leverage) ratio | 8.2814% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6116% | 325 |
| Memoranda: | ||
| Average total assets | $637,420,000 | 1,417 |
| Average earning assets | $625,588,750 | 1,345 |
| Average equity | $48,290,250 | 1,683 |
| Average total loans | $218,983,500 | 2,115 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1585% | 4,583 |
| Cost of funding earning assets | 0.0360% | 4,670 |
| Net interest margin | 2.1226% | 4,502 |
| Noninterest income to average assets | 1.3176% | 411 |
| Noninterest expense to average assets | 2.2674% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1332% | 1,652 |
| Return on assets (ROA) | 1.1336% | 1,629 |
| Pretax return on assets | 1.1336% | 2,293 |
| Return on Equity (ROE) | 14.9679% | 902 |
| Retained earnings to average equity (ytd only) | 14.9679% | 267 |
| Net charge-offs to loans | 0.0229% | 1,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 143.8000% | 667 |
| Efficiency ratio | 66.6759% | 2,420 |
| Assets per employee ($millions) | 10.9747% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 32.3288% | 4,389 |
| Net loans and leases to deposits | 34.9730% | 4,425 |
| Net loans and leases to core deposits | 35.0524% | 4,461 |
| Total domestic deposits to total assets | 92.4391% | 676 |
| Equity capital to assets | 7.2647% | 3,618 |
| Core capital (leverage) ratio | 7.9213% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1016% | 361 |
| Memoranda: | ||
| Average total assets | $634,463,333 | 1,423 |
| Average earning assets | $622,643,667 | 1,365 |
| Average equity | $48,049,333 | 1,733 |
| Average total loans | $218,505,000 | 2,118 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1339% | 4,564 |
| Cost of funding earning assets | 0.0327% | 4,699 |
| Net interest margin | 2.1012% | 4,446 |
| Noninterest income to average assets | 1.2923% | 428 |
| Noninterest expense to average assets | 2.2678% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0867% | 1,559 |
| Return on assets (ROA) | 1.0873% | 1,557 |
| Pretax return on assets | 1.0873% | 2,183 |
| Return on Equity (ROE) | 14.0545% | 823 |
| Retained earnings to average equity (ytd only) | 14.0545% | 375 |
| Net charge-offs to loans | 0.0182% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 169.1000% | 485 |
| Efficiency ratio | 67.6054% | 2,551 |
| Assets per employee ($millions) | 12.1915% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.9706% | 4,342 |
| Net loans and leases to deposits | 35.6817% | 4,394 |
| Net loans and leases to core deposits | 35.7440% | 4,432 |
| Total domestic deposits to total assets | 92.4018% | 432 |
| Equity capital to assets | 7.3540% | 4,016 |
| Core capital (leverage) ratio | 7.9863% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8724% | 502 |
| Memoranda: | ||
| Average total assets | $622,454,000 | 1,452 |
| Average earning assets | $610,893,500 | 1,389 |
| Average equity | $48,155,500 | 1,787 |
| Average total loans | $219,328,500 | 2,100 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4968% | 4,479 |
| Cost of funding earning assets | 0.0361% | 4,740 |
| Net interest margin | 2.4608% | 4,242 |
| Noninterest income to average assets | 1.5028% | 496 |
| Noninterest expense to average assets | 2.5163% | 2,136 |
| Loan and lease loss provision to assets | -0.2349% | 4,740 |
| Net operating income to assets | 1.6251% | 751 |
| Return on assets (ROA) | 1.6251% | 790 |
| Pretax return on assets | 1.6251% | 1,354 |
| Return on Equity (ROE) | 18.8448% | 393 |
| Retained earnings to average equity (ytd only) | 11.4074% | 631 |
| Net charge-offs to loans | -0.4283% | 4,776 |
| Credit loss provision to net charge-offs | 135.6994% | 1,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4129% | 2,499 |
| Assets per employee ($millions) | 9.6574% | 742 |
| Cash dividends to net income (ytd only)* | 39.4664% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 36.3452% | 4,269 |
| Net loans and leases to deposits | 39.6763% | 4,347 |
| Net loans and leases to core deposits | 39.7277% | 4,398 |
| Total domestic deposits to total assets | 91.6043% | 284 |
| Equity capital to assets | 8.1491% | 4,275 |
| Core capital (leverage) ratio | 8.0241% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0931% | 550 |
| Memoranda: | ||
| Average total assets | $553,508,000 | 1,564 |
| Average earning assets | $540,684,400 | 1,490 |
| Average equity | $47,732,000 | 1,830 |
| Average total loans | $223,671,200 | 2,084 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5786% | 4,516 |
| Cost of funding earning assets | 0.0368% | 4,824 |
| Net interest margin | 2.5418% | 4,214 |
| Noninterest income to average assets | 1.6368% | 467 |
| Noninterest expense to average assets | 2.4183% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6977% | 834 |
| Return on assets (ROA) | 1.6977% | 876 |
| Pretax return on assets | 1.6977% | 1,410 |
| Return on Equity (ROE) | 19.3927% | 472 |
| Retained earnings to average equity (ytd only) | 18.6905% | 175 |
| Net charge-offs to loans | -0.5763% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7525% | 3,160 |
| Assets per employee ($millions) | 9.7598% | 691 |
| Cash dividends to net income (ytd only)* | 3.6211% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4487% | 309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.1578% | 4,381 |
| Net loans and leases to deposits | 39.7120% | 4,460 |
| Net loans and leases to core deposits | 39.7649% | 4,521 |
| Total domestic deposits to total assets | 91.0502% | 354 |
| Equity capital to assets | 8.6868% | 4,080 |
| Core capital (leverage) ratio | 8.3924% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0266% | 533 |
| Memoranda: | ||
| Average total assets | $542,196,000 | 1,602 |
| Average earning assets | $528,853,750 | 1,535 |
| Average equity | $47,466,750 | 1,863 |
| Average total loans | $224,183,250 | 2,114 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5422% | 4,588 |
| Cost of funding earning assets | 0.0373% | 4,864 |
| Net interest margin | 2.5049% | 4,292 |
| Noninterest income to average assets | 1.6668% | 443 |
| Noninterest expense to average assets | 2.4933% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6148% | 1,024 |
| Return on assets (ROA) | 1.6148% | 1,078 |
| Pretax return on assets | 1.6148% | 1,695 |
| Return on Equity (ROE) | 18.3931% | 606 |
| Retained earnings to average equity (ytd only) | 17.3139% | 258 |
| Net charge-offs to loans | -0.0839% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6919% | 2,916 |
| Assets per employee ($millions) | 9.3619% | 757 |
| Cash dividends to net income (ytd only)* | 5.8672% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 620 |
| Loan loss allowance to noncurrent loans | 7,280.3279% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,228 |
| Noncurrent loans to loans | 0.0273% | 4,074 |
| Net loans and leases to total assets | 37.7594% | 4,393 |
| Net loans and leases to deposits | 41.3252% | 4,478 |
| Net loans and leases to core deposits | 41.3805% | 4,541 |
| Total domestic deposits to total assets | 91.3715% | 262 |
| Equity capital to assets | 8.3421% | 4,331 |
| Core capital (leverage) ratio | 8.4750% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,732,000 | 1,632 |
| Average earning assets | $514,356,333 | 1,562 |
| Average equity | $46,332,667 | 1,887 |
| Average total loans | $226,560,667 | 2,113 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6473% | 4,531 |
| Cost of funding earning assets | 0.0410% | 4,894 |
| Net interest margin | 2.6063% | 4,135 |
| Noninterest income to average assets | 1.7177% | 482 |
| Noninterest expense to average assets | 2.6519% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6020% | 1,124 |
| Return on assets (ROA) | 1.6020% | 1,172 |
| Pretax return on assets | 1.6020% | 1,720 |
| Return on Equity (ROE) | 17.7352% | 756 |
| Retained earnings to average equity (ytd only) | 15.5271% | 567 |
| Net charge-offs to loans | -0.0860% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3406% | 2,696 |
| Assets per employee ($millions) | 8.3930% | 1,039 |
| Cash dividends to net income (ytd only)* | 12.4502% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,076 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.2759% | 4,213 |
| Net loans and leases to deposits | 46.4485% | 4,326 |
| Net loans and leases to core deposits | 46.5171% | 4,422 |
| Total domestic deposits to total assets | 91.0167% | 391 |
| Equity capital to assets | 8.6374% | 4,009 |
| Core capital (leverage) ratio | 8.9354% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,379,000 | 1,689 |
| Average earning assets | $487,901,000 | 1,623 |
| Average equity | $45,288,500 | 1,909 |
| Average total loans | $228,035,500 | 2,105 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2988% | 4,335 |
| Cost of funding earning assets | 0.0773% | 4,917 |
| Net interest margin | 3.2215% | 3,300 |
| Noninterest income to average assets | 1.8553% | 370 |
| Noninterest expense to average assets | 2.8851% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0916% | 220 |
| Return on assets (ROA) | 2.1312% | 220 |
| Pretax return on assets | 2.1312% | 344 |
| Return on Equity (ROE) | 21.5766% | 169 |
| Retained earnings to average equity (ytd only) | 8.1189% | 1,019 |
| Net charge-offs to loans | -0.0096% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9715% | 3,730 |
| Assets per employee ($millions) | 7.2923% | 1,401 |
| Cash dividends to net income (ytd only)* | 62.3716% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 716 |
| Loan loss allowance to noncurrent loans | 2,012.0370% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,118 |
| Noncurrent loans to loans | 0.0947% | 3,919 |
| Net loans and leases to total assets | 47.2137% | 4,033 |
| Net loans and leases to deposits | 52.3085% | 4,203 |
| Net loans and leases to core deposits | 52.3955% | 4,323 |
| Total domestic deposits to total assets | 90.2601% | 463 |
| Equity capital to assets | 9.4739% | 3,642 |
| Core capital (leverage) ratio | 9.0502% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $434,065,000 | 1,747 |
| Average earning assets | $420,583,400 | 1,692 |
| Average equity | $42,875,200 | 1,912 |
| Average total loans | $218,382,400 | 2,112 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 4,410 |
| Cost of funding earning assets | 0.0887% | 4,948 |
| Net interest margin | 3.2640% | 3,301 |
| Noninterest income to average assets | 1.8232% | 362 |
| Noninterest expense to average assets | 2.9516% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.0316% | 272 |
| Return on assets (ROA) | 2.0857% | 269 |
| Pretax return on assets | 2.0857% | 429 |
| Return on Equity (ROE) | 20.8771% | 209 |
| Retained earnings to average equity (ytd only) | 10.2718% | 711 |
| Net charge-offs to loans | -0.0056% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2303% | 3,490 |
| Assets per employee ($millions) | 6.0353% | 2,235 |
| Cash dividends to net income (ytd only)* | 50.7989% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 626 |
| Loan loss allowance to noncurrent loans | 2,006.4815% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,203 |
| Noncurrent loans to loans | 0.0930% | 3,994 |
| Net loans and leases to total assets | 49.7099% | 4,111 |
| Net loans and leases to deposits | 55.2842% | 4,290 |
| Net loans and leases to core deposits | 55.3795% | 4,403 |
| Total domestic deposits to total assets | 89.9171% | 457 |
| Equity capital to assets | 9.7920% | 3,436 |
| Core capital (leverage) ratio | 9.3247% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,081,750 | 1,760 |
| Average earning assets | $410,573,500 | 1,709 |
| Average equity | $42,367,500 | 1,914 |
| Average total loans | $215,943,500 | 2,130 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 4,485 |
| Cost of funding earning assets | 0.1043% | 4,964 |
| Net interest margin | 3.3429% | 3,259 |
| Noninterest income to average assets | 1.8286% | 330 |
| Noninterest expense to average assets | 3.0416% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0196% | 320 |
| Return on assets (ROA) | 2.1030% | 295 |
| Pretax return on assets | 2.1030% | 437 |
| Return on Equity (ROE) | 20.8966% | 204 |
| Retained earnings to average equity (ytd only) | 10.6844% | 658 |
| Net charge-offs to loans | 0.0038% | 2,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,041.5000% | 86 |
| Efficiency ratio | 60.0958% | 3,401 |
| Assets per employee ($millions) | 5.9023% | 2,269 |
| Cash dividends to net income (ytd only)* | 48.8704% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 47.3436% | 4,293 |
| Net loans and leases to deposits | 52.6116% | 4,424 |
| Net loans and leases to core deposits | 52.8683% | 4,531 |
| Total domestic deposits to total assets | 89.9869% | 404 |
| Equity capital to assets | 9.6858% | 3,498 |
| Core capital (leverage) ratio | 9.5300% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,549,333 | 1,773 |
| Average earning assets | $398,936,000 | 1,713 |
| Average equity | $41,518,667 | 1,935 |
| Average total loans | $210,477,000 | 2,148 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 4,331 |
| Cost of funding earning assets | 0.1429% | 4,985 |
| Net interest margin | 3.5873% | 2,706 |
| Noninterest income to average assets | 1.9851% | 272 |
| Noninterest expense to average assets | 3.2504% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1970% | 182 |
| Return on assets (ROA) | 2.3694% | 151 |
| Pretax return on assets | 2.3694% | 211 |
| Return on Equity (ROE) | 23.0507% | 96 |
| Retained earnings to average equity (ytd only) | 13.1874% | 304 |
| Net charge-offs to loans | -0.0096% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6687% | 3,786 |
| Assets per employee ($millions) | 5.2904% | 2,333 |
| Cash dividends to net income (ytd only)* | 42.7899% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 49.4159% | 4,267 |
| Net loans and leases to deposits | 55.2129% | 4,395 |
| Net loans and leases to core deposits | 55.3967% | 4,517 |
| Total domestic deposits to total assets | 89.5007% | 468 |
| Equity capital to assets | 10.2556% | 3,551 |
| Core capital (leverage) ratio | 10.2930% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,538,000 | 1,789 |
| Average earning assets | $380,784,000 | 1,734 |
| Average equity | $40,554,000 | 1,966 |
| Average total loans | $207,370,000 | 2,132 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 4,004 |
| Cost of funding earning assets | 0.1866% | 4,989 |
| Net interest margin | 3.9312% | 2,067 |
| Noninterest income to average assets | 1.9825% | 264 |
| Noninterest expense to average assets | 3.2453% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.5204% | 132 |
| Return on assets (ROA) | 2.5426% | 132 |
| Pretax return on assets | 2.5426% | 193 |
| Return on Equity (ROE) | 25.6014% | 67 |
| Retained earnings to average equity (ytd only) | 10.1019% | 470 |
| Net charge-offs to loans | -0.3780% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2857% | 4,173 |
| Assets per employee ($millions) | 4.8938% | 2,714 |
| Cash dividends to net income (ytd only)* | 60.5417% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0683% | 410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 53.6484% | 4,098 |
| Net loans and leases to deposits | 59.9683% | 4,291 |
| Net loans and leases to core deposits | 60.1815% | 4,429 |
| Total domestic deposits to total assets | 89.4613% | 504 |
| Equity capital to assets | 10.3037% | 3,626 |
| Core capital (leverage) ratio | 10.0970% | 3,413 |
| Tier 1 risk-based capital ratio | 19.1835% | 1,482 |
| Total risk-based capital ratio | 20.4442% | 1,445 |
| Memoranda: | ||
| Average total assets | $370,294,600 | 1,842 |
| Average earning assets | $356,356,400 | 1,793 |
| Average equity | $36,775,400 | 2,061 |
| Average total loans | $209,241,200 | 2,091 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 4,030 |
| Cost of funding earning assets | 0.1891% | 5,055 |
| Net interest margin | 3.9640% | 2,061 |
| Noninterest income to average assets | 1.9297% | 279 |
| Noninterest expense to average assets | 3.2770% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4646% | 172 |
| Return on assets (ROA) | 2.4936% | 173 |
| Pretax return on assets | 2.4936% | 251 |
| Return on Equity (ROE) | 25.3551% | 84 |
| Retained earnings to average equity (ytd only) | 12.0724% | 377 |
| Net charge-offs to loans | -0.5046% | 5,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0751% | 4,055 |
| Assets per employee ($millions) | 4.9258% | 2,637 |
| Cash dividends to net income (ytd only)* | 52.3865% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,699 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 55.0993% | 4,098 |
| Net loans and leases to deposits | 61.7155% | 4,307 |
| Net loans and leases to core deposits | 61.9545% | 4,459 |
| Total domestic deposits to total assets | 89.2794% | 528 |
| Equity capital to assets | 10.4060% | 3,634 |
| Core capital (leverage) ratio | 10.2794% | 3,326 |
| Tier 1 risk-based capital ratio | 18.4146% | 1,708 |
| Total risk-based capital ratio | 19.6744% | 1,670 |
| Memoranda: | ||
| Average total assets | $367,439,000 | 1,869 |
| Average earning assets | $353,333,750 | 1,817 |
| Average equity | $36,136,500 | 2,097 |
| Average total loans | $209,274,000 | 2,109 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 4,122 |
| Cost of funding earning assets | 0.1897% | 5,097 |
| Net interest margin | 3.9258% | 2,166 |
| Noninterest income to average assets | 1.8735% | 297 |
| Noninterest expense to average assets | 3.3377% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3054% | 215 |
| Return on assets (ROA) | 2.3054% | 225 |
| Pretax return on assets | 2.3054% | 358 |
| Return on Equity (ROE) | 23.9253% | 121 |
| Retained earnings to average equity (ytd only) | 10.7921% | 581 |
| Net charge-offs to loans | -0.5233% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1459% | 3,844 |
| Assets per employee ($millions) | 4.5555% | 3,053 |
| Cash dividends to net income (ytd only)* | 54.8926% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9082% | 553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,737 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 56.1171% | 4,076 |
| Net loans and leases to deposits | 62.6173% | 4,299 |
| Net loans and leases to core deposits | 62.7342% | 4,470 |
| Total domestic deposits to total assets | 89.6191% | 443 |
| Equity capital to assets | 10.0944% | 3,893 |
| Core capital (leverage) ratio | 10.0396% | 3,545 |
| Tier 1 risk-based capital ratio | 17.7131% | 1,877 |
| Total risk-based capital ratio | 18.9713% | 1,831 |
| Memoranda: | ||
| Average total assets | $363,488,670 | 1,890 |
| Average earning assets | $349,023,330 | 1,838 |
| Average equity | $35,025,670 | 2,140 |
| Average total loans | $207,928,000 | 2,132 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 4,158 |
| Cost of funding earning assets | 0.1783% | 5,162 |
| Net interest margin | 3.9106% | 2,155 |
| Noninterest income to average assets | 1.8323% | 279 |
| Noninterest expense to average assets | 3.2997% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2775% | 229 |
| Return on assets (ROA) | 2.2775% | 240 |
| Pretax return on assets | 2.2775% | 376 |
| Return on Equity (ROE) | 24.2367% | 114 |
| Retained earnings to average equity (ytd only) | 6.4243% | 2,269 |
| Net charge-offs to loans | -0.0195% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1637% | 3,929 |
| Assets per employee ($millions) | 4.4948% | 3,200 |
| Cash dividends to net income (ytd only)* | 73.4934% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 836 |
| Loan loss allowance to noncurrent loans | 2,790.5512% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 3,503 |
| Noncurrent loans to loans | 0.0613% | 4,485 |
| Net loans and leases to total assets | 55.2098% | 4,123 |
| Net loans and leases to deposits | 61.1611% | 4,350 |
| Net loans and leases to core deposits | 61.2167% | 4,521 |
| Total domestic deposits to total assets | 90.2695% | 367 |
| Equity capital to assets | 9.4332% | 4,319 |
| Core capital (leverage) ratio | 10.0441% | 3,557 |
| Tier 1 risk-based capital ratio | 17.3405% | 1,999 |
| Total risk-based capital ratio | 18.5958% | 1,943 |
| Memoranda: | ||
| Average total assets | $358,456,500 | 1,921 |
| Average earning assets | $343,272,000 | 1,875 |
| Average equity | $33,684,500 | 2,204 |
| Average total loans | $205,039,500 | 2,177 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 4,293 |
| Cost of funding earning assets | 0.0782% | 5,330 |
| Net interest margin | 3.8124% | 2,622 |
| Noninterest income to average assets | 1.7985% | 310 |
| Noninterest expense to average assets | 3.0711% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3897% | 173 |
| Return on assets (ROA) | 2.2324% | 231 |
| Pretax return on assets | 2.2324% | 330 |
| Return on Equity (ROE) | 25.9587% | 77 |
| Retained earnings to average equity (ytd only) | 7.5693% | 1,428 |
| Net charge-offs to loans | -0.0335% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2387% | 4,380 |
| Assets per employee ($millions) | 4.2481% | 3,543 |
| Cash dividends to net income (ytd only)* | 70.8410% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 775 |
| Loan loss allowance to noncurrent loans | 4,417.5000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 3,456 |
| Noncurrent loans to loans | 0.0394% | 4,581 |
| Net loans and leases to total assets | 57.2752% | 4,027 |
| Net loans and leases to deposits | 63.3256% | 4,293 |
| Net loans and leases to core deposits | 63.3864% | 4,480 |
| Total domestic deposits to total assets | 90.4456% | 339 |
| Equity capital to assets | 9.3589% | 4,258 |
| Core capital (leverage) ratio | 9.7894% | 3,815 |
| Tier 1 risk-based capital ratio | 17.5266% | 1,895 |
| Total risk-based capital ratio | 18.7826% | 1,849 |
| Memoranda: | ||
| Average total assets | $364,853,600 | 1,856 |
| Average earning assets | $350,491,600 | 1,807 |
| Average equity | $31,376,800 | 2,260 |
| Average total loans | $196,980,600 | 2,193 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,422 |
| Cost of funding earning assets | 0.0620% | 5,417 |
| Net interest margin | 3.7458% | 2,844 |
| Noninterest income to average assets | 1.8067% | 321 |
| Noninterest expense to average assets | 3.0696% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3365% | 208 |
| Return on assets (ROA) | 2.3365% | 206 |
| Pretax return on assets | 2.3365% | 317 |
| Return on Equity (ROE) | 27.7467% | 50 |
| Retained earnings to average equity (ytd only) | 11.5690% | 542 |
| Net charge-offs to loans | -0.0361% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7810% | 4,282 |
| Assets per employee ($millions) | 4.2614% | 3,491 |
| Cash dividends to net income (ytd only)* | 58.3050% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 799 |
| Loan loss allowance to noncurrent loans | 7,185.7143% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 3,631 |
| Noncurrent loans to loans | 0.0244% | 4,789 |
| Net loans and leases to total assets | 54.4978% | 4,330 |
| Net loans and leases to deposits | 59.8810% | 4,555 |
| Net loans and leases to core deposits | 60.0612% | 4,699 |
| Total domestic deposits to total assets | 91.0102% | 218 |
| Equity capital to assets | 8.6580% | 4,824 |
| Core capital (leverage) ratio | 9.6329% | 4,008 |
| Tier 1 risk-based capital ratio | 17.3500% | 1,983 |
| Total risk-based capital ratio | 18.6055% | 1,930 |
| Memoranda: | ||
| Average total assets | $368,981,750 | 1,844 |
| Average earning assets | $354,556,250 | 1,795 |
| Average equity | $31,070,750 | 2,278 |
| Average total loans | $195,464,000 | 2,213 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,555 |
| Cost of funding earning assets | 0.0600% | 5,477 |
| Net interest margin | 3.6520% | 3,112 |
| Noninterest income to average assets | 1.8673% | 302 |
| Noninterest expense to average assets | 3.0681% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.3090% | 203 |
| Return on assets (ROA) | 2.3090% | 197 |
| Pretax return on assets | 2.3090% | 324 |
| Return on Equity (ROE) | 27.6748% | 51 |
| Retained earnings to average equity (ytd only) | 13.0174% | 375 |
| Net charge-offs to loans | -0.0289% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0584% | 4,351 |
| Assets per employee ($millions) | 4.4886% | 3,141 |
| Cash dividends to net income (ytd only)* | 52.9631% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 784 |
| Loan loss allowance to noncurrent loans | 6,992.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,740 |
| Noncurrent loans to loans | 0.0254% | 4,815 |
| Net loans and leases to total assets | 51.2251% | 4,524 |
| Net loans and leases to deposits | 56.0276% | 4,754 |
| Net loans and leases to core deposits | 56.1888% | 4,858 |
| Total domestic deposits to total assets | 91.4283% | 166 |
| Equity capital to assets | 8.2882% | 5,084 |
| Core capital (leverage) ratio | 9.3488% | 4,300 |
| Tier 1 risk-based capital ratio | 17.1917% | 2,034 |
| Total risk-based capital ratio | 18.4471% | 1,983 |
| Memoranda: | ||
| Average total assets | $371,235,000 | 1,841 |
| Average earning assets | $356,786,000 | 1,792 |
| Average equity | $30,974,000 | 2,290 |
| Average total loans | $193,644,000 | 2,236 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 4,634 |
| Cost of funding earning assets | 0.0610% | 5,534 |
| Net interest margin | 3.5712% | 3,279 |
| Noninterest income to average assets | 1.9157% | 286 |
| Noninterest expense to average assets | 3.1450% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2024% | 246 |
| Return on assets (ROA) | 2.2024% | 245 |
| Pretax return on assets | 2.2024% | 380 |
| Return on Equity (ROE) | 26.3069% | 75 |
| Retained earnings to average equity (ytd only) | 12.6865% | 570 |
| Net charge-offs to loans | -0.0291% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8140% | 4,245 |
| Assets per employee ($millions) | 4.4516% | 3,240 |
| Cash dividends to net income (ytd only)* | 51.7751% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 781 |
| Loan loss allowance to noncurrent loans | 3,912.3596% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 3,671 |
| Noncurrent loans to loans | 0.0461% | 4,767 |
| Net loans and leases to total assets | 50.0888% | 4,549 |
| Net loans and leases to deposits | 54.6611% | 4,763 |
| Net loans and leases to core deposits | 54.8175% | 4,887 |
| Total domestic deposits to total assets | 91.6352% | 165 |
| Equity capital to assets | 8.1061% | 5,229 |
| Core capital (leverage) ratio | 9.2267% | 4,400 |
| Tier 1 risk-based capital ratio | 17.3060% | 2,035 |
| Total risk-based capital ratio | 18.5620% | 1,982 |
| Memoranda: | ||
| Average total assets | $368,331,500 | 1,864 |
| Average earning assets | $353,940,000 | 1,818 |
| Average equity | $30,836,000 | 2,316 |
| Average total loans | $192,148,000 | 2,255 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 4,517 |
| Cost of funding earning assets | 0.0806% | 5,550 |
| Net interest margin | 3.5460% | 3,356 |
| Noninterest income to average assets | 1.5775% | 420 |
| Noninterest expense to average assets | 3.0333% | 2,065 |
| Loan and lease loss provision to assets | 0.0087% | 4,093 |
| Net operating income to assets | 1.9411% | 319 |
| Return on assets (ROA) | 1.9490% | 318 |
| Pretax return on assets | 1.9490% | 547 |
| Return on Equity (ROE) | 22.8850% | 98 |
| Retained earnings to average equity (ytd only) | 8.6149% | 582 |
| Net charge-offs to loans | 0.2872% | 913 |
| Credit loss provision to net charge-offs | 5.6881% | 3,685 |
| Earnings coverage of net charge-offs (x) | 12.7028% | 2,448 |
| Efficiency ratio | 60.8715% | 4,130 |
| Assets per employee ($millions) | 4.2151% | 3,631 |
| Cash dividends to net income (ytd only)* | 62.3555% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8130% | 761 |
| Loan loss allowance to noncurrent loans | 1,482.0513% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,681 |
| Noncurrent loans to loans | 0.1223% | 4,433 |
| Net loans and leases to total assets | 52.4223% | 4,490 |
| Net loans and leases to deposits | 57.5044% | 4,722 |
| Net loans and leases to core deposits | 57.6785% | 4,863 |
| Total domestic deposits to total assets | 91.1622% | 206 |
| Equity capital to assets | 8.6524% | 4,987 |
| Core capital (leverage) ratio | 9.0587% | 4,575 |
| Tier 1 risk-based capital ratio | 16.4971% | 2,267 |
| Total risk-based capital ratio | 17.7530% | 2,203 |
| Memoranda: | ||
| Average total assets | $355,059,800 | 1,891 |
| Average earning assets | $341,000,000 | 1,834 |
| Average equity | $30,238,200 | 2,342 |
| Average total loans | $189,751,200 | 2,243 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 4,606 |
| Cost of funding earning assets | 0.0827% | 5,612 |
| Net interest margin | 3.4985% | 3,505 |
| Noninterest income to average assets | 1.5363% | 459 |
| Noninterest expense to average assets | 3.0493% | 1,961 |
| Loan and lease loss provision to assets | 0.0117% | 3,908 |
| Net operating income to assets | 1.8367% | 431 |
| Return on assets (ROA) | 1.8472% | 437 |
| Pretax return on assets | 1.8472% | 792 |
| Return on Equity (ROE) | 21.7781% | 145 |
| Retained earnings to average equity (ytd only) | 10.3965% | 505 |
| Net charge-offs to loans | 0.4048% | 525 |
| Credit loss provision to net charge-offs | 5.3913% | 3,249 |
| Earnings coverage of net charge-offs (x) | 8.5408% | 2,770 |
| Efficiency ratio | 62.2608% | 3,839 |
| Assets per employee ($millions) | 4.1110% | 3,807 |
| Cash dividends to net income (ytd only)* | 52.2615% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 821 |
| Loan loss allowance to noncurrent loans | 902.3622% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 2,725 |
| Noncurrent loans to loans | 0.2019% | 4,274 |
| Net loans and leases to total assets | 51.2234% | 4,631 |
| Net loans and leases to deposits | 56.6712% | 4,831 |
| Net loans and leases to core deposits | 56.8426% | 4,954 |
| Total domestic deposits to total assets | 90.3871% | 354 |
| Equity capital to assets | 8.7565% | 5,112 |
| Core capital (leverage) ratio | 9.0759% | 4,656 |
| Tier 1 risk-based capital ratio | 16.6756% | 2,259 |
| Total risk-based capital ratio | 17.9318% | 2,211 |
| Memoranda: | ||
| Average total assets | $354,254,500 | 1,902 |
| Average earning assets | $340,368,750 | 1,854 |
| Average equity | $30,047,750 | 2,373 |
| Average total loans | $189,367,250 | 2,260 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5339% | 4,672 |
| Cost of funding earning assets | 0.0822% | 5,648 |
| Net interest margin | 3.4517% | 3,583 |
| Noninterest income to average assets | 1.4840% | 491 |
| Noninterest expense to average assets | 3.1090% | 1,821 |
| Loan and lease loss provision to assets | 0.0154% | 3,647 |
| Net operating income to assets | 1.6785% | 586 |
| Return on assets (ROA) | 1.6944% | 577 |
| Pretax return on assets | 1.6944% | 1,069 |
| Return on Equity (ROE) | 20.2004% | 210 |
| Retained earnings to average equity (ytd only) | 9.5918% | 679 |
| Net charge-offs to loans | 1.0571% | 188 |
| Credit loss provision to net charge-offs | 2.6946% | 2,890 |
| Earnings coverage of net charge-offs (x) | 2.9731% | 3,096 |
| Efficiency ratio | 64.7330% | 3,551 |
| Assets per employee ($millions) | 4.0796% | 3,834 |
| Cash dividends to net income (ytd only)* | 52.5168% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,316 |
| Loan loss allowance to noncurrent loans | 125.2917% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 1,885 |
| Noncurrent loans to loans | 1.2608% | 1,528 |
| Net loans and leases to total assets | 52.1877% | 4,554 |
| Net loans and leases to deposits | 57.6647% | 4,765 |
| Net loans and leases to core deposits | 57.8873% | 4,921 |
| Total domestic deposits to total assets | 90.5020% | 359 |
| Equity capital to assets | 8.6389% | 5,195 |
| Core capital (leverage) ratio | 8.8629% | 4,886 |
| Tier 1 risk-based capital ratio | 16.0660% | 2,476 |
| Total risk-based capital ratio | 17.3192% | 2,416 |
| Memoranda: | ||
| Average total assets | $351,751,330 | 1,919 |
| Average earning assets | $338,208,000 | 1,864 |
| Average equity | $29,504,330 | 2,404 |
| Average total loans | $189,574,330 | 2,261 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 4,700 |
| Cost of funding earning assets | 0.0825% | 5,709 |
| Net interest margin | 3.4139% | 3,606 |
| Noninterest income to average assets | 1.3306% | 582 |
| Noninterest expense to average assets | 3.1896% | 1,644 |
| Loan and lease loss provision to assets | 0.0161% | 3,361 |
| Net operating income to assets | 1.4052% | 994 |
| Return on assets (ROA) | 1.4363% | 948 |
| Pretax return on assets | 1.4363% | 1,746 |
| Return on Equity (ROE) | 17.3916% | 381 |
| Retained earnings to average equity (ytd only) | 6.7479% | 1,953 |
| Net charge-offs to loans | 1.6471% | 94 |
| Credit loss provision to net charge-offs | 1.7972% | 2,273 |
| Earnings coverage of net charge-offs (x) | 1.5879% | 2,711 |
| Efficiency ratio | 69.1752% | 3,010 |
| Assets per employee ($millions) | 4.0182% | 3,979 |
| Cash dividends to net income (ytd only)* | 61.2000% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,159 |
| Loan loss allowance to noncurrent loans | 125.4191% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 1,884 |
| Noncurrent loans to loans | 1.3490% | 1,498 |
| Net loans and leases to total assets | 51.6884% | 4,545 |
| Net loans and leases to deposits | 56.7366% | 4,772 |
| Net loans and leases to core deposits | 56.9525% | 4,926 |
| Total domestic deposits to total assets | 91.1024% | 273 |
| Equity capital to assets | 8.0932% | 5,477 |
| Core capital (leverage) ratio | 8.9545% | 4,792 |
| Tier 1 risk-based capital ratio | 15.6392% | 2,699 |
| Total risk-based capital ratio | 16.8938% | 2,634 |
| Memoranda: | ||
| Average total assets | $348,126,000 | 1,944 |
| Average earning assets | $334,518,000 | 1,890 |
| Average equity | $28,749,500 | 2,461 |
| Average total loans | $189,180,500 | 2,282 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,595 |
| Cost of funding earning assets | 0.0977% | 5,715 |
| Net interest margin | 3.4710% | 3,542 |
| Noninterest income to average assets | 1.5827% | 490 |
| Noninterest expense to average assets | 3.0386% | 2,225 |
| Loan and lease loss provision to assets | 0.0087% | 4,195 |
| Net operating income to assets | 1.8699% | 395 |
| Return on assets (ROA) | 1.8869% | 397 |
| Pretax return on assets | 1.8869% | 638 |
| Return on Equity (ROE) | 21.4168% | 163 |
| Retained earnings to average equity (ytd only) | 9.5444% | 488 |
| Net charge-offs to loans | -0.0068% | 4,864 |
| Credit loss provision to net charge-offs | -233.3333% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7958% | 4,289 |
| Assets per employee ($millions) | 3.7597% | 4,381 |
| Cash dividends to net income (ytd only)* | 55.4351% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1156% | 535 |
| Loan loss allowance to noncurrent loans | 420.9302% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 2,831 |
| Noncurrent loans to loans | 0.5026% | 3,347 |
| Net loans and leases to total assets | 55.0596% | 4,343 |
| Net loans and leases to deposits | 60.6512% | 4,631 |
| Net loans and leases to core deposits | 60.8149% | 4,822 |
| Total domestic deposits to total assets | 90.7807% | 354 |
| Equity capital to assets | 8.4369% | 5,317 |
| Core capital (leverage) ratio | 9.0048% | 4,739 |
| Tier 1 risk-based capital ratio | 15.6355% | 2,689 |
| Total risk-based capital ratio | 16.8949% | 2,615 |
| Memoranda: | ||
| Average total assets | $322,747,000 | 2,043 |
| Average earning assets | $310,054,600 | 1,974 |
| Average equity | $28,435,600 | 2,480 |
| Average total loans | $175,204,200 | 2,355 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 4,698 |
| Cost of funding earning assets | 0.1002% | 5,769 |
| Net interest margin | 3.4438% | 3,693 |
| Noninterest income to average assets | 1.6182% | 469 |
| Noninterest expense to average assets | 3.0453% | 2,182 |
| Loan and lease loss provision to assets | 0.0067% | 4,094 |
| Net operating income to assets | 1.8754% | 426 |
| Return on assets (ROA) | 1.9234% | 408 |
| Pretax return on assets | 1.9234% | 670 |
| Return on Equity (ROE) | 21.5908% | 168 |
| Retained earnings to average equity (ytd only) | 8.1299% | 1,121 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8040% | 4,263 |
| Assets per employee ($millions) | 3.7388% | 4,406 |
| Cash dividends to net income (ytd only)* | 62.3456% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1544% | 551 |
| Loan loss allowance to noncurrent loans | 403.4659% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 3,944 |
| Noncurrent loans to loans | 0.5340% | 3,393 |
| Net loans and leases to total assets | 54.0218% | 4,489 |
| Net loans and leases to deposits | 59.9407% | 4,767 |
| Net loans and leases to core deposits | 60.1045% | 4,926 |
| Total domestic deposits to total assets | 90.1253% | 440 |
| Equity capital to assets | 8.9755% | 5,202 |
| Core capital (leverage) ratio | 8.9981% | 4,832 |
| Tier 1 risk-based capital ratio | 15.5005% | 2,831 |
| Total risk-based capital ratio | 16.7605% | 2,755 |
| Memoranda: | ||
| Average total assets | $319,780,250 | 2,064 |
| Average earning assets | $307,289,000 | 1,999 |
| Average equity | $28,486,750 | 2,497 |
| Average total loans | $171,950,500 | 2,393 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 4,777 |
| Cost of funding earning assets | 0.1030% | 5,841 |
| Net interest margin | 3.4353% | 3,738 |
| Noninterest income to average assets | 1.5673% | 495 |
| Noninterest expense to average assets | 3.0996% | 2,067 |
| Loan and lease loss provision to assets | 0.0025% | 3,985 |
| Net operating income to assets | 1.7651% | 509 |
| Return on assets (ROA) | 1.8158% | 492 |
| Pretax return on assets | 1.8158% | 852 |
| Return on Equity (ROE) | 20.4374% | 222 |
| Retained earnings to average equity (ytd only) | 7.7639% | 1,263 |
| Net charge-offs to loans | -0.0667% | 5,475 |
| Credit loss provision to net charge-offs | -7.1429% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6837% | 4,074 |
| Assets per employee ($millions) | 3.7333% | 4,390 |
| Cash dividends to net income (ytd only)* | 62.0112% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2951% | 475 |
| Loan loss allowance to noncurrent loans | 399.8002% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 4,182 |
| Noncurrent loans to loans | 0.5741% | 3,346 |
| Net loans and leases to total assets | 52.4551% | 4,630 |
| Net loans and leases to deposits | 58.1483% | 4,893 |
| Net loans and leases to core deposits | 58.3644% | 5,053 |
| Total domestic deposits to total assets | 90.2092% | 409 |
| Equity capital to assets | 8.9250% | 5,295 |
| Core capital (leverage) ratio | 8.8879% | 4,951 |
| Tier 1 risk-based capital ratio | 15.8226% | 2,726 |
| Total risk-based capital ratio | 17.0839% | 2,659 |
| Memoranda: | ||
| Average total assets | $315,456,670 | 2,094 |
| Average earning assets | $303,028,670 | 2,038 |
| Average equity | $28,027,000 | 2,532 |
| Average total loans | $168,028,670 | 2,438 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,886 |
| Cost of funding earning assets | 0.1046% | 5,898 |
| Net interest margin | 3.3972% | 3,880 |
| Noninterest income to average assets | 1.5149% | 496 |
| Noninterest expense to average assets | 3.1353% | 2,006 |
| Loan and lease loss provision to assets | 0.0026% | 3,639 |
| Net operating income to assets | 1.6384% | 651 |
| Return on assets (ROA) | 1.6847% | 634 |
| Pretax return on assets | 1.6847% | 1,104 |
| Return on Equity (ROE) | 19.0079% | 294 |
| Retained earnings to average equity (ytd only) | 0.8567% | 4,881 |
| Net charge-offs to loans | -0.1213% | 5,707 |
| Credit loss provision to net charge-offs | -4.0000% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6427% | 3,859 |
| Assets per employee ($millions) | 3.5669% | 4,712 |
| Cash dividends to net income (ytd only)* | 95.4927% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3764% | 460 |
| Loan loss allowance to noncurrent loans | 111.1606% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 1,935 |
| Noncurrent loans to loans | 2.1378% | 977 |
| Net loans and leases to total assets | 51.6843% | 4,655 |
| Net loans and leases to deposits | 57.2205% | 4,903 |
| Net loans and leases to core deposits | 57.4375% | 5,075 |
| Total domestic deposits to total assets | 90.3248% | 489 |
| Equity capital to assets | 8.7972% | 5,342 |
| Core capital (leverage) ratio | 8.8727% | 4,994 |
| Tier 1 risk-based capital ratio | 15.4654% | 2,943 |
| Total risk-based capital ratio | 16.7272% | 2,862 |
| Memoranda: | ||
| Average total assets | $310,788,000 | 2,128 |
| Average earning assets | $298,367,000 | 2,071 |
| Average equity | $27,546,500 | 2,557 |
| Average total loans | $164,856,500 | 2,468 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 5,017 |
| Cost of funding earning assets | 0.1189% | 5,885 |
| Net interest margin | 3.3439% | 4,134 |
| Noninterest income to average assets | 1.5588% | 515 |
| Noninterest expense to average assets | 3.1126% | 2,195 |
| Loan and lease loss provision to assets | 0.0858% | 2,575 |
| Net operating income to assets | 1.5642% | 760 |
| Return on assets (ROA) | 1.5923% | 738 |
| Pretax return on assets | 1.5923% | 1,265 |
| Return on Equity (ROE) | 17.5879% | 409 |
| Retained earnings to average equity (ytd only) | 6.1143% | 1,735 |
| Net charge-offs to loans | 0.3558% | 833 |
| Credit loss provision to net charge-offs | 45.3901% | 3,468 |
| Earnings coverage of net charge-offs (x) | 8.7305% | 2,913 |
| Efficiency ratio | 64.8420% | 4,107 |
| Assets per employee ($millions) | 3.4560% | 4,903 |
| Cash dividends to net income (ytd only)* | 65.2357% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4387% | 435 |
| Loan loss allowance to noncurrent loans | 75.6186% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 1,122 |
| Noncurrent loans to loans | 3.2249% | 469 |
| Net loans and leases to total assets | 51.8552% | 4,706 |
| Net loans and leases to deposits | 57.4713% | 4,947 |
| Net loans and leases to core deposits | 57.6986% | 5,120 |
| Total domestic deposits to total assets | 90.2280% | 531 |
| Equity capital to assets | 8.9325% | 5,188 |
| Core capital (leverage) ratio | 9.0800% | 4,780 |
| Tier 1 risk-based capital ratio | 15.8620% | 2,751 |
| Total risk-based capital ratio | 17.1239% | 2,682 |
| Memoranda: | ||
| Average total assets | $298,430,800 | 2,153 |
| Average earning assets | $285,925,600 | 2,097 |
| Average equity | $27,018,600 | 2,549 |
| Average total loans | $158,518,200 | 2,491 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 5,129 |
| Cost of funding earning assets | 0.1209% | 5,972 |
| Net interest margin | 3.3142% | 4,282 |
| Noninterest income to average assets | 1.5434% | 524 |
| Noninterest expense to average assets | 3.1213% | 2,169 |
| Loan and lease loss provision to assets | 0.1136% | 1,988 |
| Net operating income to assets | 1.4828% | 947 |
| Return on assets (ROA) | 1.5124% | 940 |
| Pretax return on assets | 1.5124% | 1,649 |
| Return on Equity (ROE) | 16.6479% | 511 |
| Retained earnings to average equity (ytd only) | 9.2357% | 814 |
| Net charge-offs to loans | -0.0499% | 5,547 |
| Credit loss provision to net charge-offs | -428.8136% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8103% | 3,924 |
| Assets per employee ($millions) | 3.4274% | 4,929 |
| Cash dividends to net income (ytd only)* | 44.5236% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8564% | 282 |
| Loan loss allowance to noncurrent loans | 76.9438% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 1,046 |
| Noncurrent loans to loans | 3.7123% | 389 |
| Net loans and leases to total assets | 51.4418% | 4,805 |
| Net loans and leases to deposits | 57.2753% | 5,055 |
| Net loans and leases to core deposits | 57.5042% | 5,219 |
| Total domestic deposits to total assets | 89.8149% | 647 |
| Equity capital to assets | 9.2319% | 5,077 |
| Core capital (leverage) ratio | 9.2065% | 4,718 |
| Tier 1 risk-based capital ratio | 16.2093% | 2,707 |
| Total risk-based capital ratio | 17.4761% | 2,659 |
| Memoranda: | ||
| Average total assets | $297,007,500 | 2,179 |
| Average earning assets | $284,464,250 | 2,118 |
| Average equity | $26,981,750 | 2,562 |
| Average total loans | $157,736,250 | 2,506 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4228% | 5,177 |
| Cost of funding earning assets | 0.1223% | 6,034 |
| Net interest margin | 3.3005% | 4,301 |
| Noninterest income to average assets | 1.5196% | 552 |
| Noninterest expense to average assets | 3.1292% | 2,166 |
| Loan and lease loss provision to assets | 0.1625% | 1,308 |
| Net operating income to assets | 1.3883% | 1,117 |
| Return on assets (ROA) | 1.3883% | 1,153 |
| Pretax return on assets | 1.3883% | 2,028 |
| Return on Equity (ROE) | 15.3666% | 682 |
| Retained earnings to average equity (ytd only) | 11.6204% | 432 |
| Net charge-offs to loans | -0.0815% | 5,709 |
| Credit loss provision to net charge-offs | -375.0000% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5172% | 3,914 |
| Assets per employee ($millions) | 3.4576% | 4,873 |
| Cash dividends to net income (ytd only)* | 24.3784% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8637% | 311 |
| Loan loss allowance to noncurrent loans | 72.1826% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.1363% | 997 |
| Noncurrent loans to loans | 3.9673% | 395 |
| Net loans and leases to total assets | 51.3529% | 4,814 |
| Net loans and leases to deposits | 57.0974% | 5,055 |
| Net loans and leases to core deposits | 57.3254% | 5,234 |
| Total domestic deposits to total assets | 89.9391% | 686 |
| Equity capital to assets | 8.9762% | 5,253 |
| Core capital (leverage) ratio | 9.0737% | 4,860 |
| Tier 1 risk-based capital ratio | 15.8880% | 2,909 |
| Total risk-based capital ratio | 17.1547% | 2,862 |
| Memoranda: | ||
| Average total assets | $295,474,330 | 2,204 |
| Average earning assets | $282,927,670 | 2,146 |
| Average equity | $26,694,330 | 2,591 |
| Average total loans | $157,077,000 | 2,522 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 5,186 |
| Cost of funding earning assets | 0.1299% | 6,063 |
| Net interest margin | 3.2768% | 4,316 |
| Noninterest income to average assets | 1.5259% | 525 |
| Noninterest expense to average assets | 3.1802% | 2,030 |
| Loan and lease loss provision to assets | 0.2090% | 860 |
| Net operating income to assets | 1.2718% | 1,356 |
| Return on assets (ROA) | 1.2718% | 1,436 |
| Pretax return on assets | 1.2718% | 2,383 |
| Return on Equity (ROE) | 14.0311% | 873 |
| Retained earnings to average equity (ytd only) | 14.0311% | 360 |
| Net charge-offs to loans | -0.0717% | 5,705 |
| Credit loss provision to net charge-offs | -546.4286% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8781% | 3,848 |
| Assets per employee ($millions) | 3.4214% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8479% | 347 |
| Loan loss allowance to noncurrent loans | 69.4079% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.0965% | 1,105 |
| Noncurrent loans to loans | 4.1032% | 413 |
| Net loans and leases to total assets | 49.6399% | 4,890 |
| Net loans and leases to deposits | 55.1105% | 5,116 |
| Net loans and leases to core deposits | 55.3270% | 5,293 |
| Total domestic deposits to total assets | 90.0734% | 712 |
| Equity capital to assets | 8.9489% | 5,350 |
| Core capital (leverage) ratio | 9.2175% | 4,686 |
| Tier 1 risk-based capital ratio | 15.8994% | 2,970 |
| Total risk-based capital ratio | 17.1663% | 2,903 |
| Memoranda: | ||
| Average total assets | $292,808,000 | 2,234 |
| Average earning assets | $280,154,000 | 2,173 |
| Average equity | $26,541,000 | 2,623 |
| Average total loans | $156,102,000 | 2,539 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 5,005 |
| Cost of funding earning assets | 0.1490% | 6,110 |
| Net interest margin | 3.4795% | 3,872 |
| Noninterest income to average assets | 1.5536% | 515 |
| Noninterest expense to average assets | 3.2173% | 2,170 |
| Loan and lease loss provision to assets | 0.2719% | 798 |
| Net operating income to assets | 1.3818% | 1,117 |
| Return on assets (ROA) | 1.3854% | 1,143 |
| Pretax return on assets | 1.3854% | 1,932 |
| Return on Equity (ROE) | 15.6364% | 672 |
| Retained earnings to average equity (ytd only) | 7.0450% | 1,384 |
| Net charge-offs to loans | 0.4773% | 874 |
| Credit loss provision to net charge-offs | 102.4590% | 2,336 |
| Earnings coverage of net charge-offs (x) | 6.2322% | 3,242 |
| Efficiency ratio | 65.6943% | 4,306 |
| Assets per employee ($millions) | 3.1235% | 5,525 |
| Cash dividends to net income (ytd only)* | 54.9451% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7136% | 419 |
| Loan loss allowance to noncurrent loans | 64.7077% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.3411% | 1,005 |
| Noncurrent loans to loans | 4.1937% | 417 |
| Net loans and leases to total assets | 54.2017% | 4,557 |
| Net loans and leases to deposits | 60.4631% | 4,863 |
| Net loans and leases to core deposits | 60.7442% | 5,081 |
| Total domestic deposits to total assets | 89.6443% | 903 |
| Equity capital to assets | 9.1893% | 5,087 |
| Core capital (leverage) ratio | 9.1449% | 4,761 |
| Tier 1 risk-based capital ratio | 15.4595% | 3,242 |
| Total risk-based capital ratio | 16.7254% | 3,173 |
| Memoranda: | ||
| Average total assets | $275,881,000 | 2,313 |
| Average earning assets | $263,023,400 | 2,253 |
| Average equity | $24,443,000 | 2,717 |
| Average total loans | $153,368,800 | 2,524 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,104 |
| Cost of funding earning assets | 0.1508% | 6,182 |
| Net interest margin | 3.4655% | 3,959 |
| Noninterest income to average assets | 1.5330% | 535 |
| Noninterest expense to average assets | 3.1879% | 2,212 |
| Loan and lease loss provision to assets | 0.2472% | 881 |
| Net operating income to assets | 1.4004% | 1,131 |
| Return on assets (ROA) | 1.4063% | 1,162 |
| Pretax return on assets | 1.4063% | 1,983 |
| Return on Equity (ROE) | 16.0246% | 672 |
| Retained earnings to average equity (ytd only) | 9.9379% | 727 |
| Net charge-offs to loans | 0.0918% | 2,901 |
| Credit loss provision to net charge-offs | 484.7619% | 586 |
| Earnings coverage of net charge-offs (x) | 32.3135% | 1,306 |
| Efficiency ratio | 65.5553% | 4,287 |
| Assets per employee ($millions) | 3.1625% | 5,501 |
| Cash dividends to net income (ytd only)* | 37.9834% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9813% | 367 |
| Loan loss allowance to noncurrent loans | 70.6600% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.4028% | 1,121 |
| Noncurrent loans to loans | 4.2192% | 481 |
| Net loans and leases to total assets | 54.2110% | 4,555 |
| Net loans and leases to deposits | 60.5672% | 4,889 |
| Net loans and leases to core deposits | 60.8515% | 5,131 |
| Total domestic deposits to total assets | 89.5055% | 979 |
| Equity capital to assets | 9.1186% | 5,235 |
| Core capital (leverage) ratio | 9.4291% | 4,469 |
| Tier 1 risk-based capital ratio | 15.5110% | 3,313 |
| Total risk-based capital ratio | 16.7798% | 3,237 |
| Memoranda: | ||
| Average total assets | $274,573,500 | 2,338 |
| Average earning assets | $261,659,500 | 2,276 |
| Average equity | $24,095,750 | 2,752 |
| Average total loans | $152,556,750 | 2,533 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6034% | 5,142 |
| Cost of funding earning assets | 0.1520% | 6,256 |
| Net interest margin | 3.4514% | 3,975 |
| Noninterest income to average assets | 1.4576% | 571 |
| Noninterest expense to average assets | 3.1976% | 2,199 |
| Loan and lease loss provision to assets | 0.2781% | 736 |
| Net operating income to assets | 1.2710% | 1,389 |
| Return on assets (ROA) | 1.2710% | 1,444 |
| Pretax return on assets | 1.2710% | 2,363 |
| Return on Equity (ROE) | 14.6776% | 842 |
| Retained earnings to average equity (ytd only) | 12.1426% | 412 |
| Net charge-offs to loans | 0.2138% | 1,746 |
| Credit loss provision to net charge-offs | 234.5679% | 1,035 |
| Earnings coverage of net charge-offs (x) | 13.0679% | 2,004 |
| Efficiency ratio | 66.9955% | 4,194 |
| Assets per employee ($millions) | 3.3733% | 5,111 |
| Cash dividends to net income (ytd only)* | 17.2712% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8845% | 439 |
| Loan loss allowance to noncurrent loans | 62.5263% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.6145% | 1,033 |
| Noncurrent loans to loans | 4.6133% | 464 |
| Net loans and leases to total assets | 54.1638% | 4,522 |
| Net loans and leases to deposits | 60.4104% | 4,831 |
| Net loans and leases to core deposits | 60.6948% | 5,085 |
| Total domestic deposits to total assets | 89.6598% | 987 |
| Equity capital to assets | 9.0445% | 5,256 |
| Core capital (leverage) ratio | 9.1718% | 4,784 |
| Tier 1 risk-based capital ratio | 15.3872% | 3,420 |
| Total risk-based capital ratio | 16.6545% | 3,351 |
| Memoranda: | ||
| Average total assets | $273,332,000 | 2,349 |
| Average earning assets | $260,476,000 | 2,285 |
| Average equity | $23,668,670 | 2,783 |
| Average total loans | $151,574,330 | 2,553 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 5,210 |
| Cost of funding earning assets | 0.1578% | 6,312 |
| Net interest margin | 3.4287% | 3,990 |
| Noninterest income to average assets | 1.4325% | 573 |
| Noninterest expense to average assets | 3.1756% | 2,308 |
| Loan and lease loss provision to assets | 0.2768% | 744 |
| Net operating income to assets | 1.2440% | 1,361 |
| Return on assets (ROA) | 1.2440% | 1,416 |
| Pretax return on assets | 1.2440% | 2,301 |
| Return on Equity (ROE) | 14.6995% | 823 |
| Retained earnings to average equity (ytd only) | 9.4807% | 1,114 |
| Net charge-offs to loans | 0.0080% | 3,474 |
| Credit loss provision to net charge-offs | 6,266.6667% | 49 |
| Earnings coverage of net charge-offs (x) | 344.3333% | 140 |
| Efficiency ratio | 67.2414% | 4,323 |
| Assets per employee ($millions) | 3.3255% | 5,297 |
| Cash dividends to net income (ytd only)* | 35.5030% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9472% | 460 |
| Loan loss allowance to noncurrent loans | 59.0508% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 2.8048% | 1,062 |
| Noncurrent loans to loans | 4.9910% | 448 |
| Net loans and leases to total assets | 52.0704% | 4,668 |
| Net loans and leases to deposits | 57.6592% | 4,977 |
| Net loans and leases to core deposits | 57.9253% | 5,209 |
| Total domestic deposits to total assets | 90.3072% | 912 |
| Equity capital to assets | 8.4248% | 5,721 |
| Core capital (leverage) ratio | 9.0576% | 4,924 |
| Tier 1 risk-based capital ratio | 15.1625% | 3,628 |
| Total risk-based capital ratio | 16.4306% | 3,577 |
| Memoranda: | ||
| Average total assets | $271,693,500 | 2,362 |
| Average earning assets | $258,637,000 | 2,295 |
| Average equity | $22,994,000 | 2,846 |
| Average total loans | $150,225,500 | 2,581 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 4,921 |
| Cost of funding earning assets | 0.1879% | 6,350 |
| Net interest margin | 3.5778% | 3,558 |
| Noninterest income to average assets | 1.6218% | 543 |
| Noninterest expense to average assets | 3.2103% | 2,386 |
| Loan and lease loss provision to assets | 0.9174% | 211 |
| Net operating income to assets | 0.8727% | 2,914 |
| Return on assets (ROA) | 0.8507% | 3,107 |
| Pretax return on assets | 0.8507% | 3,959 |
| Return on Equity (ROE) | 9.7742% | 2,205 |
| Retained earnings to average equity (ytd only) | 5.8018% | 2,098 |
| Net charge-offs to loans | 2.1971% | 150 |
| Credit loss provision to net charge-offs | 74.7837% | 3,178 |
| Earnings coverage of net charge-offs (x) | 1.4592% | 4,569 |
| Efficiency ratio | 63.8362% | 4,929 |
| Assets per employee ($millions) | 3.1813% | 5,528 |
| Cash dividends to net income (ytd only)* | 40.6417% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8105% | 588 |
| Loan loss allowance to noncurrent loans | 95.9637% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6785% | 2,199 |
| Noncurrent loans to loans | 2.9287% | 1,194 |
| Net loans and leases to total assets | 55.4252% | 4,396 |
| Net loans and leases to deposits | 61.4162% | 4,785 |
| Net loans and leases to core deposits | 61.7807% | 5,084 |
| Total domestic deposits to total assets | 90.2453% | 940 |
| Equity capital to assets | 8.5038% | 5,579 |
| Core capital (leverage) ratio | 9.0546% | 4,923 |
| Tier 1 risk-based capital ratio | 14.8805% | 3,732 |
| Total risk-based capital ratio | 16.1475% | 3,669 |
| Memoranda: | ||
| Average total assets | $263,777,000 | 2,400 |
| Average earning assets | $249,091,400 | 2,336 |
| Average equity | $22,958,400 | 2,828 |
| Average total loans | $147,283,200 | 2,597 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 5,250 |
| Cost of funding earning assets | 0.1952% | 6,419 |
| Net interest margin | 3.4763% | 3,988 |
| Noninterest income to average assets | 1.5911% | 576 |
| Noninterest expense to average assets | 3.1797% | 2,420 |
| Loan and lease loss provision to assets | 1.0188% | 163 |
| Net operating income to assets | 0.6704% | 4,013 |
| Return on assets (ROA) | 0.6750% | 4,128 |
| Pretax return on assets | 0.6750% | 4,771 |
| Return on Equity (ROE) | 7.7106% | 3,281 |
| Retained earnings to average equity (ytd only) | 5.3310% | 2,851 |
| Net charge-offs to loans | 2.2504% | 153 |
| Credit loss provision to net charge-offs | 81.5129% | 2,812 |
| Earnings coverage of net charge-offs (x) | 1.3515% | 4,388 |
| Efficiency ratio | 64.9325% | 4,660 |
| Assets per employee ($millions) | 3.2536% | 5,376 |
| Cash dividends to net income (ytd only)* | 30.8614% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0987% | 500 |
| Loan loss allowance to noncurrent loans | 77.3938% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.9206% | 1,272 |
| Noncurrent loans to loans | 4.0038% | 876 |
| Net loans and leases to total assets | 53.8119% | 4,643 |
| Net loans and leases to deposits | 59.6899% | 5,015 |
| Net loans and leases to core deposits | 60.1597% | 5,284 |
| Total domestic deposits to total assets | 90.1524% | 916 |
| Equity capital to assets | 8.3914% | 5,839 |
| Core capital (leverage) ratio | 8.9660% | 5,173 |
| Tier 1 risk-based capital ratio | 14.4347% | 4,118 |
| Total risk-based capital ratio | 15.7081% | 4,060 |
| Memoranda: | ||
| Average total assets | $263,709,750 | 2,424 |
| Average earning assets | $248,647,500 | 2,348 |
| Average equity | $23,084,500 | 2,841 |
| Average total loans | $146,459,000 | 2,630 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 5,085 |
| Cost of funding earning assets | 0.2059% | 6,446 |
| Net interest margin | 3.5128% | 3,727 |
| Noninterest income to average assets | 1.5821% | 632 |
| Noninterest expense to average assets | 3.2046% | 2,343 |
| Loan and lease loss provision to assets | 1.0857% | 159 |
| Net operating income to assets | 0.6038% | 4,255 |
| Return on assets (ROA) | 0.6106% | 4,406 |
| Pretax return on assets | 0.6106% | 4,981 |
| Return on Equity (ROE) | 6.8792% | 3,680 |
| Retained earnings to average equity (ytd only) | 3.3452% | 4,187 |
| Net charge-offs to loans | 3.3902% | 83 |
| Credit loss provision to net charge-offs | 57.6628% | 3,062 |
| Earnings coverage of net charge-offs (x) | 0.8973% | 4,226 |
| Efficiency ratio | 65.1058% | 4,690 |
| Assets per employee ($millions) | 3.2164% | 5,438 |
| Cash dividends to net income (ytd only)* | 51.3716% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8275% | 686 |
| Loan loss allowance to noncurrent loans | 42.1158% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 4.5146% | 732 |
| Noncurrent loans to loans | 6.7135% | 377 |
| Net loans and leases to total assets | 52.1356% | 4,845 |
| Net loans and leases to deposits | 57.8458% | 5,172 |
| Net loans and leases to core deposits | 58.3460% | 5,394 |
| Total domestic deposits to total assets | 90.1286% | 958 |
| Equity capital to assets | 8.4666% | 5,803 |
| Core capital (leverage) ratio | 8.7003% | 5,422 |
| Tier 1 risk-based capital ratio | 14.8632% | 3,867 |
| Total risk-based capital ratio | 16.1296% | 3,820 |
| Memoranda: | ||
| Average total assets | $262,681,000 | 2,433 |
| Average earning assets | $247,669,000 | 2,371 |
| Average equity | $23,316,670 | 2,832 |
| Average total loans | $145,892,330 | 2,633 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,638 |
| Cost of funding earning assets | 0.2198% | 6,476 |
| Net interest margin | 3.6339% | 3,126 |
| Noninterest income to average assets | 1.4312% | 744 |
| Noninterest expense to average assets | 3.1600% | 2,483 |
| Loan and lease loss provision to assets | 0.3494% | 937 |
| Net operating income to assets | 1.3519% | 1,151 |
| Return on assets (ROA) | 1.3656% | 1,198 |
| Pretax return on assets | 1.3656% | 1,990 |
| Return on Equity (ROE) | 15.0357% | 760 |
| Retained earnings to average equity (ytd only) | 8.1142% | 1,709 |
| Net charge-offs to loans | 0.1486% | 2,511 |
| Credit loss provision to net charge-offs | 416.3636% | 623 |
| Earnings coverage of net charge-offs (x) | 20.2727% | 1,192 |
| Efficiency ratio | 64.6265% | 4,902 |
| Assets per employee ($millions) | 3.3836% | 5,248 |
| Cash dividends to net income (ytd only)* | 46.0335% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5416% | 403 |
| Loan loss allowance to noncurrent loans | 115.4799% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 2.0577% | 2,275 |
| Noncurrent loans to loans | 3.0668% | 1,630 |
| Net loans and leases to total assets | 52.5424% | 4,618 |
| Net loans and leases to deposits | 58.6223% | 4,957 |
| Net loans and leases to core deposits | 59.1184% | 5,235 |
| Total domestic deposits to total assets | 89.6287% | 1,276 |
| Equity capital to assets | 8.8285% | 5,690 |
| Core capital (leverage) ratio | 8.9834% | 4,915 |
| Tier 1 risk-based capital ratio | 14.7960% | 3,976 |
| Total risk-based capital ratio | 16.0714% | 3,920 |
| Memoranda: | ||
| Average total assets | $262,150,000 | 2,473 |
| Average earning assets | $247,450,500 | 2,398 |
| Average equity | $23,810,000 | 2,820 |
| Average total loans | $148,086,000 | 2,611 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 4,404 |
| Cost of funding earning assets | 0.2835% | 6,533 |
| Net interest margin | 3.9637% | 2,554 |
| Noninterest income to average assets | 1.4517% | 745 |
| Noninterest expense to average assets | 3.2707% | 2,422 |
| Loan and lease loss provision to assets | 0.7264% | 700 |
| Net operating income to assets | 1.1522% | 1,764 |
| Return on assets (ROA) | 1.1724% | 1,856 |
| Pretax return on assets | 1.1724% | 2,897 |
| Return on Equity (ROE) | 13.1418% | 1,194 |
| Retained earnings to average equity (ytd only) | 10.9159% | 449 |
| Net charge-offs to loans | 1.2433% | 797 |
| Credit loss provision to net charge-offs | 97.1838% | 3,189 |
| Earnings coverage of net charge-offs (x) | 2.5133% | 4,165 |
| Efficiency ratio | 63.1392% | 5,050 |
| Assets per employee ($millions) | 3.2514% | 5,509 |
| Cash dividends to net income (ytd only)* | 16.9377% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3942% | 471 |
| Loan loss allowance to noncurrent loans | 103.9111% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 2.3903% | 2,048 |
| Noncurrent loans to loans | 3.2665% | 1,571 |
| Net loans and leases to total assets | 56.6519% | 4,174 |
| Net loans and leases to deposits | 63.4041% | 4,615 |
| Net loans and leases to core deposits | 63.9297% | 4,966 |
| Total domestic deposits to total assets | 89.3506% | 1,334 |
| Equity capital to assets | 9.3537% | 5,070 |
| Core capital (leverage) ratio | 9.0644% | 4,796 |
| Tier 1 risk-based capital ratio | 14.3473% | 4,128 |
| Total risk-based capital ratio | 15.6209% | 4,072 |
| Memoranda: | ||
| Average total assets | $251,780,800 | 2,513 |
| Average earning assets | $234,880,000 | 2,456 |
| Average equity | $22,462,600 | 2,920 |
| Average total loans | $151,369,600 | 2,554 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 4,655 |
| Cost of funding earning assets | 0.2993% | 6,619 |
| Net interest margin | 3.9486% | 2,709 |
| Noninterest income to average assets | 1.5661% | 604 |
| Noninterest expense to average assets | 3.3008% | 2,277 |
| Loan and lease loss provision to assets | 0.7958% | 594 |
| Net operating income to assets | 1.1443% | 1,930 |
| Return on assets (ROA) | 1.1687% | 2,028 |
| Pretax return on assets | 1.1687% | 3,101 |
| Return on Equity (ROE) | 13.2621% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.2521% | 849 |
| Net charge-offs to loans | 0.7183% | 1,538 |
| Credit loss provision to net charge-offs | 183.1502% | 1,517 |
| Earnings coverage of net charge-offs (x) | 4.4652% | 3,296 |
| Efficiency ratio | 62.6177% | 5,049 |
| Assets per employee ($millions) | 3.1044% | 5,839 |
| Cash dividends to net income (ytd only)* | 22.6963% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8154% | 355 |
| Loan loss allowance to noncurrent loans | 96.0944% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 3.2356% | 1,586 |
| Noncurrent loans to loans | 3.9705% | 1,299 |
| Net loans and leases to total assets | 57.9664% | 4,143 |
| Net loans and leases to deposits | 64.9395% | 4,604 |
| Net loans and leases to core deposits | 65.3354% | 5,022 |
| Total domestic deposits to total assets | 89.2621% | 1,273 |
| Equity capital to assets | 9.1682% | 5,632 |
| Core capital (leverage) ratio | 8.7946% | 5,356 |
| Tier 1 risk-based capital ratio | 13.7393% | 4,731 |
| Total risk-based capital ratio | 15.0186% | 4,665 |
| Memoranda: | ||
| Average total assets | $251,323,500 | 2,543 |
| Average earning assets | $233,900,750 | 2,490 |
| Average equity | $22,147,750 | 2,981 |
| Average total loans | $152,031,250 | 2,576 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 4,585 |
| Cost of funding earning assets | 0.3128% | 6,679 |
| Net interest margin | 3.9852% | 2,571 |
| Noninterest income to average assets | 1.5457% | 616 |
| Noninterest expense to average assets | 3.3158% | 2,266 |
| Loan and lease loss provision to assets | 0.9018% | 516 |
| Net operating income to assets | 1.0291% | 2,342 |
| Return on assets (ROA) | 1.0546% | 2,456 |
| Pretax return on assets | 1.0546% | 3,494 |
| Return on Equity (ROE) | 12.1306% | 1,628 |
| Retained earnings to average equity (ytd only) | 12.1306% | 562 |
| Net charge-offs to loans | 0.9251% | 1,195 |
| Credit loss provision to net charge-offs | 160.9375% | 1,734 |
| Earnings coverage of net charge-offs (x) | 3.4460% | 3,370 |
| Efficiency ratio | 62.8337% | 5,111 |
| Assets per employee ($millions) | 3.1216% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6501% | 444 |
| Loan loss allowance to noncurrent loans | 90.0505% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 3.3689% | 1,597 |
| Noncurrent loans to loans | 4.0534% | 1,352 |
| Net loans and leases to total assets | 58.4529% | 4,091 |
| Net loans and leases to deposits | 65.3692% | 4,590 |
| Net loans and leases to core deposits | 65.7686% | 5,032 |
| Total domestic deposits to total assets | 89.4196% | 1,261 |
| Equity capital to assets | 9.0707% | 5,619 |
| Core capital (leverage) ratio | 8.5431% | 5,590 |
| Tier 1 risk-based capital ratio | 13.4689% | 4,856 |
| Total risk-based capital ratio | 14.7463% | 4,781 |
| Memoranda: | ||
| Average total assets | $251,279,330 | 2,535 |
| Average earning assets | $233,366,000 | 2,490 |
| Average equity | $21,845,670 | 3,000 |
| Average total loans | $152,194,330 | 2,582 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 4,809 |
| Cost of funding earning assets | 0.3308% | 6,725 |
| Net interest margin | 3.9504% | 2,716 |
| Noninterest income to average assets | 1.5060% | 634 |
| Noninterest expense to average assets | 3.3135% | 2,249 |
| Loan and lease loss provision to assets | 0.8998% | 490 |
| Net operating income to assets | 0.9506% | 2,689 |
| Return on assets (ROA) | 0.9633% | 2,821 |
| Pretax return on assets | 0.9633% | 3,818 |
| Return on Equity (ROE) | 11.3233% | 1,899 |
| Retained earnings to average equity (ytd only) | 11.3233% | 958 |
| Net charge-offs to loans | 0.8103% | 1,269 |
| Credit loss provision to net charge-offs | 183.4951% | 1,426 |
| Earnings coverage of net charge-offs (x) | 3.7735% | 2,752 |
| Efficiency ratio | 63.7984% | 4,955 |
| Assets per employee ($millions) | 3.2035% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5357% | 520 |
| Loan loss allowance to noncurrent loans | 74.1320% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 3.6789% | 1,541 |
| Noncurrent loans to loans | 4.7694% | 1,196 |
| Net loans and leases to total assets | 56.3470% | 4,321 |
| Net loans and leases to deposits | 62.4326% | 4,856 |
| Net loans and leases to core deposits | 62.7281% | 5,254 |
| Total domestic deposits to total assets | 90.2525% | 944 |
| Equity capital to assets | 8.3543% | 6,219 |
| Core capital (leverage) ratio | 8.4100% | 5,726 |
| Tier 1 risk-based capital ratio | 12.8598% | 5,315 |
| Total risk-based capital ratio | 14.1349% | 5,273 |
| Memoranda: | ||
| Average total assets | $252,056,000 | 2,546 |
| Average earning assets | $233,392,000 | 2,506 |
| Average equity | $21,442,500 | 3,053 |
| Average total loans | $152,540,500 | 2,592 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 5,229 |
| Cost of funding earning assets | 0.5337% | 6,408 |
| Net interest margin | 3.9230% | 3,238 |
| Noninterest income to average assets | 1.4247% | 641 |
| Noninterest expense to average assets | 3.3170% | 2,469 |
| Loan and lease loss provision to assets | 1.3511% | 591 |
| Net operating income to assets | 0.3791% | 4,950 |
| Return on assets (ROA) | 0.5003% | 4,635 |
| Pretax return on assets | 0.5003% | 4,992 |
| Return on Equity (ROE) | 5.9920% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.9920% | 2,021 |
| Net charge-offs to loans | 1.9878% | 696 |
| Credit loss provision to net charge-offs | 104.3756% | 3,291 |
| Earnings coverage of net charge-offs (x) | 1.3366% | 4,771 |
| Efficiency ratio | 65.3260% | 4,899 |
| Assets per employee ($millions) | 3.0201% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3229% | 610 |
| Loan loss allowance to noncurrent loans | 69.1005% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 3.8344% | 1,502 |
| Noncurrent loans to loans | 4.8088% | 1,205 |
| Net loans and leases to total assets | 60.6674% | 3,851 |
| Net loans and leases to deposits | 67.4861% | 4,514 |
| Net loans and leases to core deposits | 68.0667% | 5,022 |
| Total domestic deposits to total assets | 89.8961% | 1,044 |
| Equity capital to assets | 8.6690% | 5,935 |
| Core capital (leverage) ratio | 8.3122% | 5,838 |
| Tier 1 risk-based capital ratio | 12.3782% | 5,559 |
| Total risk-based capital ratio | 13.6510% | 5,505 |
| Memoranda: | ||
| Average total assets | $241,878,800 | 2,615 |
| Average earning assets | $223,347,200 | 2,573 |
| Average equity | $20,193,600 | 3,106 |
| Average total loans | $157,512,200 | 2,533 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 5,423 |
| Cost of funding earning assets | 0.5755% | 6,400 |
| Net interest margin | 3.8761% | 3,497 |
| Noninterest income to average assets | 1.4776% | 599 |
| Noninterest expense to average assets | 3.3787% | 2,250 |
| Loan and lease loss provision to assets | 1.3649% | 540 |
| Net operating income to assets | 0.3118% | 5,355 |
| Return on assets (ROA) | 0.4710% | 4,867 |
| Pretax return on assets | 0.4710% | 5,255 |
| Return on Equity (ROE) | 5.6969% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.6969% | 2,747 |
| Net charge-offs to loans | 1.4106% | 1,056 |
| Credit loss provision to net charge-offs | 147.2272% | 2,134 |
| Earnings coverage of net charge-offs (x) | 1.8086% | 4,308 |
| Efficiency ratio | 66.4407% | 4,632 |
| Assets per employee ($millions) | 3.0102% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7151% | 484 |
| Loan loss allowance to noncurrent loans | 68.8187% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 4.3361% | 1,394 |
| Noncurrent loans to loans | 5.3984% | 1,109 |
| Net loans and leases to total assets | 61.9480% | 3,738 |
| Net loans and leases to deposits | 69.0789% | 4,438 |
| Net loans and leases to core deposits | 69.7647% | 4,977 |
| Total domestic deposits to total assets | 89.6771% | 1,052 |
| Equity capital to assets | 8.6830% | 6,103 |
| Core capital (leverage) ratio | 8.2315% | 6,086 |
| Tier 1 risk-based capital ratio | 12.3026% | 5,663 |
| Total risk-based capital ratio | 13.5812% | 5,629 |
| Memoranda: | ||
| Average total assets | $241,191,250 | 2,635 |
| Average earning assets | $222,623,750 | 2,597 |
| Average equity | $19,940,250 | 3,151 |
| Average total loans | $158,512,500 | 2,541 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 5,595 |
| Cost of funding earning assets | 0.6355% | 6,297 |
| Net interest margin | 3.7939% | 3,812 |
| Noninterest income to average assets | 1.5076% | 566 |
| Noninterest expense to average assets | 3.4071% | 2,234 |
| Loan and lease loss provision to assets | 1.4172% | 512 |
| Net operating income to assets | 0.1865% | 5,786 |
| Return on assets (ROA) | 0.4003% | 5,097 |
| Pretax return on assets | 0.4003% | 5,393 |
| Return on Equity (ROE) | 4.9243% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.9243% | 3,049 |
| Net charge-offs to loans | 0.9543% | 1,638 |
| Credit loss provision to net charge-offs | 224.4094% | 1,335 |
| Earnings coverage of net charge-offs (x) | 2.5394% | 3,558 |
| Efficiency ratio | 67.5984% | 4,588 |
| Assets per employee ($millions) | 2.9504% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7477% | 492 |
| Loan loss allowance to noncurrent loans | 63.7069% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 4.4864% | 1,401 |
| Noncurrent loans to loans | 5.8827% | 1,033 |
| Net loans and leases to total assets | 62.7609% | 3,725 |
| Net loans and leases to deposits | 69.6147% | 4,485 |
| Net loans and leases to core deposits | 70.3954% | 5,024 |
| Total domestic deposits to total assets | 90.1546% | 892 |
| Equity capital to assets | 8.3197% | 6,399 |
| Core capital (leverage) ratio | 7.9000% | 6,411 |
| Tier 1 risk-based capital ratio | 11.8861% | 5,872 |
| Total risk-based capital ratio | 13.1650% | 5,826 |
| Memoranda: | ||
| Average total assets | $241,316,670 | 2,645 |
| Average earning assets | $222,833,000 | 2,615 |
| Average equity | $19,617,000 | 3,184 |
| Average total loans | $159,704,670 | 2,541 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 5,684 |
| Cost of funding earning assets | 0.7432% | 5,904 |
| Net interest margin | 3.6602% | 4,279 |
| Noninterest income to average assets | 1.4157% | 642 |
| Noninterest expense to average assets | 3.3625% | 2,378 |
| Loan and lease loss provision to assets | 1.5867% | 389 |
| Net operating income to assets | -0.1577% | 6,514 |
| Return on assets (ROA) | 0.2324% | 5,737 |
| Pretax return on assets | 0.2324% | 5,860 |
| Return on Equity (ROE) | 2.8923% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.8923% | 4,425 |
| Net charge-offs to loans | 0.9659% | 1,390 |
| Credit loss provision to net charge-offs | 246.3918% | 1,275 |
| Earnings coverage of net charge-offs (x) | 2.2191% | 3,209 |
| Efficiency ratio | 69.7610% | 4,325 |
| Assets per employee ($millions) | 3.1355% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4581% | 628 |
| Loan loss allowance to noncurrent loans | 69.3755% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 3.6774% | 1,841 |
| Noncurrent loans to loans | 4.9847% | 1,352 |
| Net loans and leases to total assets | 62.3487% | 3,783 |
| Net loans and leases to deposits | 68.7223% | 4,570 |
| Net loans and leases to core deposits | 69.7484% | 5,075 |
| Total domestic deposits to total assets | 90.7255% | 751 |
| Equity capital to assets | 7.8138% | 6,668 |
| Core capital (leverage) ratio | 7.9700% | 6,290 |
| Tier 1 risk-based capital ratio | 11.4457% | 6,147 |
| Total risk-based capital ratio | 12.7210% | 6,109 |
| Memoranda: | ||
| Average total assets | $241,009,500 | 2,657 |
| Average earning assets | $222,282,000 | 2,632 |
| Average equity | $19,361,500 | 3,213 |
| Average total loans | $160,682,000 | 2,551 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9741% | 4,677 |
| Cost of funding earning assets | 0.9280% | 6,040 |
| Net interest margin | 4.0461% | 2,817 |
| Noninterest income to average assets | 1.5593% | 603 |
| Noninterest expense to average assets | 3.6060% | 1,909 |
| Loan and lease loss provision to assets | 1.8215% | 759 |
| Net operating income to assets | -0.1734% | 6,079 |
| Return on assets (ROA) | -0.1734% | 6,138 |
| Pretax return on assets | -0.1734% | 6,066 |
| Return on Equity (ROE) | -2.1906% | 6,192 |
| Retained earnings to average equity (ytd only) | -2.1906% | 5,994 |
| Net charge-offs to loans | 2.3883% | 796 |
| Credit loss provision to net charge-offs | 108.5005% | 4,074 |
| Earnings coverage of net charge-offs (x) | 0.9817% | 5,125 |
| Efficiency ratio | 68.2477% | 4,508 |
| Assets per employee ($millions) | 2.8231% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0757% | 817 |
| Loan loss allowance to noncurrent loans | 101.6380% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 2.6639% | 2,614 |
| Noncurrent loans to loans | 3.0262% | 2,522 |
| Net loans and leases to total assets | 66.7596% | 3,284 |
| Net loans and leases to deposits | 74.1707% | 4,166 |
| Net loans and leases to core deposits | 75.3370% | 4,808 |
| Total domestic deposits to total assets | 90.0080% | 1,096 |
| Equity capital to assets | 8.2657% | 6,187 |
| Core capital (leverage) ratio | 8.1543% | 5,906 |
| Tier 1 risk-based capital ratio | 11.2332% | 6,152 |
| Total risk-based capital ratio | 12.5042% | 6,115 |
| Memoranda: | ||
| Average total assets | $237,548,800 | 2,665 |
| Average earning assets | $216,924,000 | 2,663 |
| Average equity | $18,807,800 | 3,301 |
| Average total loans | $166,983,000 | 2,516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 4,493 |
| Cost of funding earning assets | 0.9582% | 6,137 |
| Net interest margin | 4.1096% | 2,587 |
| Noninterest income to average assets | 1.4331% | 662 |
| Noninterest expense to average assets | 3.5845% | 1,827 |
| Loan and lease loss provision to assets | 1.4096% | 956 |
| Net operating income to assets | 0.1840% | 5,554 |
| Return on assets (ROA) | 0.1840% | 5,717 |
| Pretax return on assets | 0.1840% | 5,766 |
| Return on Equity (ROE) | 2.3498% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.3498% | 4,759 |
| Net charge-offs to loans | 1.2757% | 1,601 |
| Credit loss provision to net charge-offs | 156.4246% | 2,453 |
| Earnings coverage of net charge-offs (x) | 1.7685% | 4,390 |
| Efficiency ratio | 68.8344% | 4,303 |
| Assets per employee ($millions) | 2.7834% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3382% | 611 |
| Loan loss allowance to noncurrent loans | 58.3325% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 5.5293% | 1,113 |
| Noncurrent loans to loans | 5.7227% | 1,139 |
| Net loans and leases to total assets | 69.3635% | 2,887 |
| Net loans and leases to deposits | 77.2079% | 3,975 |
| Net loans and leases to core deposits | 78.4357% | 4,750 |
| Total domestic deposits to total assets | 89.8399% | 953 |
| Equity capital to assets | 8.4672% | 6,313 |
| Core capital (leverage) ratio | 7.8976% | 6,472 |
| Tier 1 risk-based capital ratio | 10.6548% | 6,671 |
| Total risk-based capital ratio | 11.9288% | 6,637 |
| Memoranda: | ||
| Average total assets | $238,356,750 | 2,689 |
| Average earning assets | $217,209,750 | 2,697 |
| Average equity | $18,667,750 | 3,364 |
| Average total loans | $168,380,500 | 2,539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 4,341 |
| Cost of funding earning assets | 0.9828% | 6,227 |
| Net interest margin | 4.1383% | 2,386 |
| Noninterest income to average assets | 1.4477% | 606 |
| Noninterest expense to average assets | 3.5631% | 1,876 |
| Loan and lease loss provision to assets | 1.6071% | 813 |
| Net operating income to assets | 0.0473% | 5,997 |
| Return on assets (ROA) | 0.0473% | 6,100 |
| Pretax return on assets | 0.0473% | 6,078 |
| Return on Equity (ROE) | 0.6206% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.6206% | 5,516 |
| Net charge-offs to loans | 1.8234% | 1,019 |
| Credit loss provision to net charge-offs | 125.4051% | 3,218 |
| Earnings coverage of net charge-offs (x) | 1.2910% | 4,537 |
| Efficiency ratio | 67.9083% | 4,601 |
| Assets per employee ($millions) | 2.7461% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0443% | 791 |
| Loan loss allowance to noncurrent loans | 71.1026% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 4.1447% | 1,636 |
| Noncurrent loans to loans | 4.2815% | 1,731 |
| Net loans and leases to total assets | 66.8814% | 3,642 |
| Net loans and leases to deposits | 73.9574% | 4,681 |
| Net loans and leases to core deposits | 74.0438% | 5,442 |
| Total domestic deposits to total assets | 90.4323% | 710 |
| Equity capital to assets | 7.9395% | 6,821 |
| Core capital (leverage) ratio | 7.5530% | 6,778 |
| Tier 1 risk-based capital ratio | 10.4505% | 6,721 |
| Total risk-based capital ratio | 11.7209% | 6,689 |
| Memoranda: | ||
| Average total assets | $240,801,670 | 2,693 |
| Average earning assets | $219,363,330 | 2,694 |
| Average equity | $18,370,000 | 3,404 |
| Average total loans | $169,247,670 | 2,558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 4,164 |
| Cost of funding earning assets | 1.0429% | 6,161 |
| Net interest margin | 4.1316% | 2,314 |
| Noninterest income to average assets | 1.4147% | 602 |
| Noninterest expense to average assets | 3.5227% | 1,927 |
| Loan and lease loss provision to assets | 1.4147% | 842 |
| Net operating income to assets | 0.2399% | 5,545 |
| Return on assets (ROA) | 0.2399% | 5,658 |
| Pretax return on assets | 0.2399% | 5,766 |
| Return on Equity (ROE) | 3.2096% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.2096% | 4,224 |
| Net charge-offs to loans | 1.7682% | 979 |
| Credit loss provision to net charge-offs | 112.7968% | 3,074 |
| Earnings coverage of net charge-offs (x) | 1.3193% | 3,957 |
| Efficiency ratio | 67.6574% | 4,787 |
| Assets per employee ($millions) | 2.6472% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7713% | 1,020 |
| Loan loss allowance to noncurrent loans | 63.3315% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 4.0473% | 1,689 |
| Noncurrent loans to loans | 4.3758% | 1,726 |
| Net loans and leases to total assets | 68.0237% | 3,383 |
| Net loans and leases to deposits | 74.6842% | 4,641 |
| Net loans and leases to core deposits | 75.8030% | 5,284 |
| Total domestic deposits to total assets | 91.0818% | 508 |
| Equity capital to assets | 7.4536% | 7,106 |
| Core capital (leverage) ratio | 7.2184% | 7,092 |
| Tier 1 risk-based capital ratio | 9.5185% | 7,298 |
| Total risk-based capital ratio | 10.7739% | 7,289 |
| Memoranda: | ||
| Average total assets | $241,748,500 | 2,744 |
| Average earning assets | $220,159,000 | 2,737 |
| Average equity | $18,071,000 | 3,466 |
| Average total loans | $171,470,500 | 2,588 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 3,509 |
| Cost of funding earning assets | 1.4436% | 5,745 |
| Net interest margin | 4.1742% | 2,157 |
| Noninterest income to average assets | 1.3535% | 812 |
| Noninterest expense to average assets | 3.6612% | 2,000 |
| Loan and lease loss provision to assets | 3.2252% | 507 |
| Net operating income to assets | -1.7090% | 6,965 |
| Return on assets (ROA) | -1.7090% | 6,970 |
| Pretax return on assets | -1.7090% | 6,827 |
| Return on Equity (ROE) | -22.4121% | 7,218 |
| Retained earnings to average equity (ytd only) | -22.4121% | 7,189 |
| Net charge-offs to loans | 3.5217% | 547 |
| Credit loss provision to net charge-offs | 128.1377% | 4,033 |
| Earnings coverage of net charge-offs (x) | 0.6024% | 5,503 |
| Efficiency ratio | 70.3370% | 4,553 |
| Assets per employee ($millions) | 2.5801% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6804% | 1,038 |
| Loan loss allowance to noncurrent loans | 55.5222% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 4.1475% | 1,577 |
| Noncurrent loans to loans | 4.8276% | 1,424 |
| Net loans and leases to total assets | 69.9830% | 3,261 |
| Net loans and leases to deposits | 76.8441% | 4,595 |
| Net loans and leases to core deposits | 85.5120% | 5,572 |
| Total domestic deposits to total assets | 91.0715% | 509 |
| Equity capital to assets | 7.4969% | 7,040 |
| Core capital (leverage) ratio | 7.1904% | 7,080 |
| Tier 1 risk-based capital ratio | 9.4904% | 7,235 |
| Total risk-based capital ratio | 10.7557% | 7,197 |
| Memoranda: | ||
| Average total assets | $244,698,400 | 2,664 |
| Average earning assets | $224,164,200 | 2,662 |
| Average equity | $18,659,600 | 3,396 |
| Average total loans | $174,887,400 | 2,574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 3,067 |
| Cost of funding earning assets | 1.5441% | 5,661 |
| Net interest margin | 4.2149% | 1,988 |
| Noninterest income to average assets | 1.3209% | 887 |
| Noninterest expense to average assets | 3.7111% | 1,796 |
| Loan and lease loss provision to assets | 2.4374% | 687 |
| Net operating income to assets | -0.9571% | 6,800 |
| Return on assets (ROA) | -0.9571% | 6,808 |
| Pretax return on assets | -0.9571% | 6,651 |
| Return on Equity (ROE) | -12.4993% | 7,045 |
| Retained earnings to average equity (ytd only) | -12.4993% | 6,974 |
| Net charge-offs to loans | 2.1253% | 911 |
| Credit loss provision to net charge-offs | 160.7079% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.9760% | 5,082 |
| Efficiency ratio | 71.1093% | 4,406 |
| Assets per employee ($millions) | 2.5967% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6013% | 964 |
| Loan loss allowance to noncurrent loans | 85.7623% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 2.5843% | 2,692 |
| Noncurrent loans to loans | 3.0332% | 2,497 |
| Net loans and leases to total assets | 71.1646% | 3,229 |
| Net loans and leases to deposits | 78.6893% | 4,622 |
| Net loans and leases to core deposits | 88.2582% | 5,616 |
| Total domestic deposits to total assets | 90.4375% | 610 |
| Equity capital to assets | 7.9832% | 6,860 |
| Core capital (leverage) ratio | 7.7747% | 6,637 |
| Tier 1 risk-based capital ratio | 10.2055% | 6,778 |
| Total risk-based capital ratio | 11.4704% | 6,697 |
| Memoranda: | ||
| Average total assets | $245,885,250 | 2,665 |
| Average earning assets | $225,798,250 | 2,665 |
| Average equity | $18,827,250 | 3,396 |
| Average total loans | $175,471,750 | 2,600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 2,995 |
| Cost of funding earning assets | 1.6931% | 5,307 |
| Net interest margin | 4.1172% | 2,264 |
| Noninterest income to average assets | 1.2735% | 940 |
| Noninterest expense to average assets | 3.6790% | 1,877 |
| Loan and lease loss provision to assets | 1.3034% | 1,316 |
| Net operating income to assets | 0.0623% | 5,673 |
| Return on assets (ROA) | 0.0623% | 5,762 |
| Pretax return on assets | 0.0623% | 5,759 |
| Return on Equity (ROE) | 0.8246% | 5,679 |
| Retained earnings to average equity (ytd only) | 0.8246% | 4,857 |
| Net charge-offs to loans | 2.6435% | 637 |
| Credit loss provision to net charge-offs | 69.6328% | 5,423 |
| Earnings coverage of net charge-offs (x) | 0.7296% | 4,993 |
| Efficiency ratio | 72.5437% | 4,295 |
| Assets per employee ($millions) | 2.4962% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,660 |
| Loan loss allowance to noncurrent loans | 72.8453% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.6619% | 3,702 |
| Noncurrent loans to loans | 1.7051% | 3,952 |
| Net loans and leases to total assets | 71.8786% | 3,253 |
| Net loans and leases to deposits | 79.3627% | 4,646 |
| Net loans and leases to core deposits | 89.1834% | 5,610 |
| Total domestic deposits to total assets | 90.5698% | 603 |
| Equity capital to assets | 7.8105% | 6,965 |
| Core capital (leverage) ratio | 7.5439% | 6,968 |
| Tier 1 risk-based capital ratio | 10.0081% | 6,910 |
| Total risk-based capital ratio | 11.1786% | 6,932 |
| Memoranda: | ||
| Average total assets | $247,348,670 | 2,660 |
| Average earning assets | $226,560,000 | 2,673 |
| Average equity | $18,676,670 | 3,440 |
| Average total loans | $175,146,000 | 2,638 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 3,932 |
| Cost of funding earning assets | 1.9308% | 4,485 |
| Net interest margin | 3.7408% | 3,706 |
| Noninterest income to average assets | 1.2194% | 970 |
| Noninterest expense to average assets | 3.5398% | 2,004 |
| Loan and lease loss provision to assets | 1.0306% | 1,274 |
| Net operating income to assets | 0.0656% | 6,080 |
| Return on assets (ROA) | 0.0656% | 6,238 |
| Pretax return on assets | 0.0656% | 6,242 |
| Return on Equity (ROE) | 0.8837% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.8837% | 5,304 |
| Net charge-offs to loans | 2.8843% | 448 |
| Credit loss provision to net charge-offs | 51.1517% | 4,658 |
| Earnings coverage of net charge-offs (x) | 0.5441% | 4,559 |
| Efficiency ratio | 75.9406% | 3,501 |
| Assets per employee ($millions) | 2.4475% | 7,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,076 |
| Loan loss allowance to noncurrent loans | 61.4243% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 3,435 |
| Noncurrent loans to loans | 2.1165% | 3,092 |
| Net loans and leases to total assets | 67.9138% | 4,161 |
| Net loans and leases to deposits | 74.4430% | 5,428 |
| Net loans and leases to core deposits | 86.0694% | 5,893 |
| Total domestic deposits to total assets | 91.2292% | 339 |
| Equity capital to assets | 7.2445% | 7,530 |
| Core capital (leverage) ratio | 7.4400% | 7,223 |
| Tier 1 risk-based capital ratio | 9.9969% | 6,925 |
| Total risk-based capital ratio | 11.2162% | 6,867 |
| Memoranda: | ||
| Average total assets | $249,955,000 | 2,644 |
| Average earning assets | $228,293,500 | 2,662 |
| Average equity | $18,559,000 | 3,478 |
| Average total loans | $174,602,500 | 2,660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7478% | 1,873 |
| Cost of funding earning assets | 2.3436% | 4,954 |
| Net interest margin | 4.4042% | 1,674 |
| Noninterest income to average assets | 1.2284% | 986 |
| Noninterest expense to average assets | 3.6530% | 2,037 |
| Loan and lease loss provision to assets | 1.4682% | 927 |
| Net operating income to assets | 0.1895% | 5,881 |
| Return on assets (ROA) | 0.1962% | 5,679 |
| Pretax return on assets | 0.1962% | 5,741 |
| Return on Equity (ROE) | 2.2815% | 5,506 |
| Retained earnings to average equity (ytd only) | -7.4962% | 6,831 |
| Net charge-offs to loans | 2.0402% | 522 |
| Credit loss provision to net charge-offs | 97.6621% | 5,457 |
| Earnings coverage of net charge-offs (x) | 1.1027% | 5,571 |
| Efficiency ratio | 68.4078% | 4,655 |
| Assets per employee ($millions) | 2.4537% | 7,294 |
| Cash dividends to net income (ytd only)* | 428.5714% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 2,026 |
| Loan loss allowance to noncurrent loans | 95.1003% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.7223% | 2,823 |
| Noncurrent loans to loans | 1.7471% | 3,147 |
| Net loans and leases to total assets | 69.7593% | 4,073 |
| Net loans and leases to deposits | 76.8794% | 5,489 |
| Net loans and leases to core deposits | 89.7385% | 5,824 |
| Total domestic deposits to total assets | 90.7385% | 412 |
| Equity capital to assets | 7.6121% | 7,290 |
| Core capital (leverage) ratio | 7.5686% | 7,119 |
| Tier 1 risk-based capital ratio | 10.1476% | 6,577 |
| Total risk-based capital ratio | 11.4035% | 6,433 |
| Memoranda: | ||
| Average total assets | $239,006,000 | 2,666 |
| Average earning assets | $221,539,200 | 2,640 |
| Average equity | $20,557,000 | 3,147 |
| Average total loans | $176,112,000 | 2,546 |