Home > City Bank & Trust Co. > Performance and Condition Ratios
City Bank & Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 3,629 |
| Cost of funding earning assets | 0.5496% | 4,145 |
| Net interest margin | 3.6472% | 1,867 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.4598% | 2,414 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.6437% | 804 |
| Return on assets (ROA) | 1.6391% | 780 |
| Pretax return on assets | 1.6391% | 1,167 |
| Return on Equity (ROE) | 21.2300% | 525 |
| Retained earnings to average equity (ytd only) | 11.6908% | 675 |
| Net charge-offs to loans | 0.0227% | 1,872 |
| Credit loss provision to net charge-offs | 267.5000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 154.9500% | 697 |
| Efficiency ratio | 59.4849% | 3,138 |
| Assets per employee ($millions) | 5.1767% | 3,498 |
| Cash dividends to net income (ytd only)* | 44.9373% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,062 |
| Loan loss allowance to noncurrent loans | 12,200.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,790 |
| Noncurrent loans to loans | 0.0086% | 3,709 |
| Net loans and leases to total assets | 49.2900% | 3,640 |
| Net loans and leases to deposits | 54.3238% | 3,775 |
| Net loans and leases to core deposits | 55.2302% | 3,940 |
| Total domestic deposits to total assets | 90.7300% | 574 |
| Equity capital to assets | 8.5165% | 3,045 |
| Core capital (leverage) ratio | 10.6531% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7513% | 961 |
| Memoranda: | ||
| Average total assets | $369,951,000 | 2,117 |
| Average earning assets | $353,365,400 | 2,078 |
| Average equity | $28,561,000 | 2,339 |
| Average total loans | $176,051,000 | 2,479 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 3,642 |
| Cost of funding earning assets | 0.4961% | 4,143 |
| Net interest margin | 3.6124% | 1,973 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.4077% | 2,500 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6967% | 799 |
| Return on assets (ROA) | 1.6938% | 791 |
| Pretax return on assets | 1.6938% | 1,168 |
| Return on Equity (ROE) | 22.5300% | 520 |
| Retained earnings to average equity (ytd only) | 16.8838% | 399 |
| Net charge-offs to loans | 0.0207% | 1,702 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 176.4074% | 654 |
| Efficiency ratio | 58.3326% | 3,163 |
| Assets per employee ($millions) | 4.9051% | 3,671 |
| Cash dividends to net income (ytd only)* | 25.0480% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,098 |
| Loan loss allowance to noncurrent loans | 5,790.9091% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,763 |
| Noncurrent loans to loans | 0.0182% | 3,644 |
| Net loans and leases to total assets | 50.0900% | 3,610 |
| Net loans and leases to deposits | 55.2664% | 3,742 |
| Net loans and leases to core deposits | 56.1384% | 3,851 |
| Total domestic deposits to total assets | 90.6400% | 767 |
| Equity capital to assets | 8.1071% | 2,979 |
| Core capital (leverage) ratio | 10.4108% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0555% | 944 |
| Memoranda: | ||
| Average total assets | $369,258,000 | 2,125 |
| Average earning assets | $354,512,250 | 2,070 |
| Average equity | $27,765,500 | 2,364 |
| Average total loans | $173,647,000 | 2,499 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,731 |
| Cost of funding earning assets | 0.3847% | 4,192 |
| Net interest margin | 3.5954% | 2,049 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.3615% | 2,614 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.7432% | 723 |
| Return on assets (ROA) | 1.7389% | 730 |
| Pretax return on assets | 1.7389% | 1,136 |
| Return on Equity (ROE) | 23.7200% | 447 |
| Retained earnings to average equity (ytd only) | 17.1370% | 390 |
| Net charge-offs to loans | 0.0140% | 1,665 |
| Credit loss provision to net charge-offs | 241.6667% | 968 |
| Earnings coverage of net charge-offs (x) | 274.1667% | 486 |
| Efficiency ratio | 57.2394% | 3,276 |
| Assets per employee ($millions) | 5.0150% | 3,591 |
| Cash dividends to net income (ytd only)* | 27.7521% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,090 |
| Loan loss allowance to noncurrent loans | 7,311.5385% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,790 |
| Noncurrent loans to loans | 0.0146% | 3,668 |
| Net loans and leases to total assets | 48.0200% | 3,686 |
| Net loans and leases to deposits | 52.6450% | 3,809 |
| Net loans and leases to core deposits | 53.3949% | 3,913 |
| Total domestic deposits to total assets | 91.2200% | 577 |
| Equity capital to assets | 7.6885% | 3,410 |
| Core capital (leverage) ratio | 10.3829% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4345% | 1,044 |
| Memoranda: | ||
| Average total assets | $372,987,667 | 2,112 |
| Average earning assets | $358,239,333 | 2,052 |
| Average equity | $27,344,333 | 2,397 |
| Average total loans | $171,103,667 | 2,517 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,707 |
| Cost of funding earning assets | 0.2663% | 4,265 |
| Net interest margin | 3.6157% | 2,092 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.3420% | 2,694 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.7969% | 677 |
| Return on assets (ROA) | 1.7969% | 668 |
| Pretax return on assets | 1.7969% | 1,073 |
| Return on Equity (ROE) | 25.1000% | 399 |
| Retained earnings to average equity (ytd only) | 25.1049% | 176 |
| Net charge-offs to loans | 0.0143% | 1,419 |
| Credit loss provision to net charge-offs | 383.3333% | 616 |
| Earnings coverage of net charge-offs (x) | 287.3333% | 377 |
| Efficiency ratio | 56.1100% | 3,400 |
| Assets per employee ($millions) | 5.0657% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 2,990 |
| Loan loss allowance to noncurrent loans | 6,336.6667% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,793 |
| Noncurrent loans to loans | 0.0176% | 3,666 |
| Net loans and leases to total assets | 46.3100% | 3,761 |
| Net loans and leases to deposits | 50.7541% | 3,856 |
| Net loans and leases to core deposits | 51.5130% | 3,935 |
| Total domestic deposits to total assets | 91.2500% | 719 |
| Equity capital to assets | 7.7830% | 3,393 |
| Core capital (leverage) ratio | 9.8187% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3815% | 1,292 |
| Memoranda: | ||
| Average total assets | $376,434,500 | 2,117 |
| Average earning assets | $361,977,500 | 2,060 |
| Average equity | $26,943,000 | 2,441 |
| Average total loans | $167,801,000 | 2,563 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3910% | 3,365 |
| Cost of funding earning assets | 0.1752% | 3,954 |
| Net interest margin | 3.2158% | 2,824 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.3325% | 2,638 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.3370% | 1,322 |
| Return on assets (ROA) | 1.3373% | 1,279 |
| Pretax return on assets | 1.3373% | 1,968 |
| Return on Equity (ROE) | 17.3300% | 805 |
| Retained earnings to average equity (ytd only) | 9.2589% | 1,402 |
| Net charge-offs to loans | 0.0200% | 1,690 |
| Credit loss provision to net charge-offs | 1,274.1935% | 362 |
| Earnings coverage of net charge-offs (x) | 165.7742% | 740 |
| Efficiency ratio | 61.6921% | 2,809 |
| Assets per employee ($millions) | 5.5448% | 3,171 |
| Cash dividends to net income (ytd only)* | 46.5753% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,463 |
| Loan loss allowance to noncurrent loans | 6,296.7742% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,822 |
| Noncurrent loans to loans | 0.0188% | 3,682 |
| Net loans and leases to total assets | 41.9500% | 3,984 |
| Net loans and leases to deposits | 45.3324% | 4,073 |
| Net loans and leases to core deposits | 45.9590% | 4,120 |
| Total domestic deposits to total assets | 92.5500% | 507 |
| Equity capital to assets | 6.5696% | 3,875 |
| Core capital (leverage) ratio | 9.7402% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1220% | 1,340 |
| Memoranda: | ||
| Average total assets | $354,813,800 | 2,204 |
| Average earning assets | $342,967,800 | 2,142 |
| Average equity | $27,379,200 | 2,457 |
| Average total loans | $154,776,000 | 2,593 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2824% | 3,231 |
| Cost of funding earning assets | 0.1560% | 3,779 |
| Net interest margin | 3.1264% | 2,845 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.3735% | 2,409 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.2091% | 1,667 |
| Return on assets (ROA) | 1.2095% | 1,641 |
| Pretax return on assets | 1.2095% | 2,328 |
| Return on Equity (ROE) | 15.0500% | 1,161 |
| Retained earnings to average equity (ytd only) | 9.9007% | 1,374 |
| Net charge-offs to loans | 0.0184% | 1,472 |
| Credit loss provision to net charge-offs | 1,690.4762% | 281 |
| Earnings coverage of net charge-offs (x) | 166.5238% | 704 |
| Efficiency ratio | 63.8179% | 2,576 |
| Assets per employee ($millions) | 4.9976% | 3,677 |
| Cash dividends to net income (ytd only)* | 34.2030% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,638 |
| Loan loss allowance to noncurrent loans | 5,491.4286% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,885 |
| Noncurrent loans to loans | 0.0215% | 3,754 |
| Net loans and leases to total assets | 46.0100% | 3,758 |
| Net loans and leases to deposits | 50.2648% | 3,837 |
| Net loans and leases to core deposits | 51.0976% | 3,901 |
| Total domestic deposits to total assets | 91.5300% | 1,039 |
| Equity capital to assets | 7.0662% | 3,476 |
| Core capital (leverage) ratio | 9.9735% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8536% | 1,208 |
| Memoranda: | ||
| Average total assets | $346,482,750 | 2,251 |
| Average earning assets | $335,075,000 | 2,192 |
| Average equity | $27,849,250 | 2,468 |
| Average total loans | $152,272,250 | 2,613 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1398% | 3,207 |
| Cost of funding earning assets | 0.1389% | 3,724 |
| Net interest margin | 3.0009% | 2,866 |
| Noninterest income to average assets | 0.7048% | 1,316 |
| Noninterest expense to average assets | 2.3529% | 2,390 |
| Loan and lease loss provision to assets | 0.1621% | 569 |
| Net operating income to assets | 1.0922% | 1,802 |
| Return on assets (ROA) | 1.0956% | 1,767 |
| Pretax return on assets | 1.0956% | 2,428 |
| Return on Equity (ROE) | 13.0969% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.2130% | 1,911 |
| Net charge-offs to loans | 0.0040% | 1,877 |
| Credit loss provision to net charge-offs | 9,333.3333% | 59 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 197 |
| Efficiency ratio | 65.2272% | 2,618 |
| Assets per employee ($millions) | 4.7546% | 3,887 |
| Cash dividends to net income (ytd only)* | 44.9260% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,826 |
| Loan loss allowance to noncurrent loans | 4,662.5000% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,822 |
| Noncurrent loans to loans | 0.0252% | 3,769 |
| Net loans and leases to total assets | 46.5295% | 3,677 |
| Net loans and leases to deposits | 51.6535% | 3,712 |
| Net loans and leases to core deposits | 52.6467% | 3,776 |
| Total domestic deposits to total assets | 90.0802% | 1,680 |
| Equity capital to assets | 7.5183% | 3,465 |
| Core capital (leverage) ratio | 9.7017% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3873% | 1,328 |
| Memoranda: | ||
| Average total assets | $345,366,000 | 2,262 |
| Average earning assets | $334,037,000 | 2,210 |
| Average equity | $28,892,333 | 2,470 |
| Average total loans | $148,736,667 | 2,658 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 3,197 |
| Cost of funding earning assets | 0.1311% | 3,756 |
| Net interest margin | 2.8878% | 2,880 |
| Noninterest income to average assets | 0.6860% | 1,365 |
| Noninterest expense to average assets | 2.3032% | 2,488 |
| Loan and lease loss provision to assets | 0.1775% | 430 |
| Net operating income to assets | 1.0056% | 1,864 |
| Return on assets (ROA) | 1.0056% | 1,854 |
| Pretax return on assets | 1.0056% | 2,422 |
| Return on Equity (ROE) | 11.4590% | 1,474 |
| Retained earnings to average equity (ytd only) | 11.4590% | 695 |
| Net charge-offs to loans | 0.0167% | 1,197 |
| Credit loss provision to net charge-offs | 2,583.3333% | 167 |
| Earnings coverage of net charge-offs (x) | 172.1667% | 479 |
| Efficiency ratio | 66.0644% | 2,765 |
| Assets per employee ($millions) | 4.8759% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,019 |
| Loan loss allowance to noncurrent loans | 3,947.7273% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,849 |
| Noncurrent loans to loans | 0.0295% | 3,784 |
| Net loans and leases to total assets | 43.1276% | 3,809 |
| Net loans and leases to deposits | 47.6305% | 3,896 |
| Net loans and leases to core deposits | 48.7156% | 3,948 |
| Total domestic deposits to total assets | 90.5463% | 1,270 |
| Equity capital to assets | 8.3928% | 3,247 |
| Core capital (leverage) ratio | 9.6466% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5825% | 1,370 |
| Memoranda: | ||
| Average total assets | $349,260,500 | 2,262 |
| Average earning assets | $338,666,500 | 2,199 |
| Average equity | $30,648,500 | 2,451 |
| Average total loans | $143,636,000 | 2,704 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1271% | 3,630 |
| Cost of funding earning assets | 0.1412% | 4,055 |
| Net interest margin | 2.9859% | 3,237 |
| Noninterest income to average assets | 0.7611% | 1,559 |
| Noninterest expense to average assets | 2.5304% | 2,086 |
| Loan and lease loss provision to assets | 0.1599% | 739 |
| Net operating income to assets | 0.9579% | 2,841 |
| Return on assets (ROA) | 1.1022% | 2,351 |
| Pretax return on assets | 1.1022% | 2,962 |
| Return on Equity (ROE) | 11.6019% | 1,948 |
| Retained earnings to average equity (ytd only) | 4.6980% | 2,924 |
| Net charge-offs to loans | 0.0159% | 1,990 |
| Credit loss provision to net charge-offs | 2,560.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 178.9500% | 581 |
| Efficiency ratio | 69.3605% | 1,811 |
| Assets per employee ($millions) | 5.1769% | 3,573 |
| Cash dividends to net income (ytd only)* | 59.5069% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 3,135 |
| Loan loss allowance to noncurrent loans | 3,176.0000% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,925 |
| Noncurrent loans to loans | 0.0361% | 3,817 |
| Net loans and leases to total assets | 38.2821% | 4,178 |
| Net loans and leases to deposits | 42.5382% | 4,248 |
| Net loans and leases to core deposits | 43.4019% | 4,289 |
| Total domestic deposits to total assets | 89.9946% | 962 |
| Equity capital to assets | 9.1407% | 3,468 |
| Core capital (leverage) ratio | 9.7701% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6365% | 1,131 |
| Memoranda: | ||
| Average total assets | $320,182,000 | 2,342 |
| Average earning assets | $309,588,600 | 2,284 |
| Average equity | $30,417,400 | 2,506 |
| Average total loans | $126,110,600 | 2,899 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 3,619 |
| Cost of funding earning assets | 0.1448% | 4,156 |
| Net interest margin | 3.0482% | 3,183 |
| Noninterest income to average assets | 0.7723% | 1,609 |
| Noninterest expense to average assets | 2.5815% | 1,894 |
| Loan and lease loss provision to assets | 0.1740% | 615 |
| Net operating income to assets | 0.9593% | 3,050 |
| Return on assets (ROA) | 1.1334% | 2,491 |
| Pretax return on assets | 1.1334% | 3,126 |
| Return on Equity (ROE) | 11.8018% | 2,118 |
| Retained earnings to average equity (ytd only) | 7.2249% | 2,336 |
| Net charge-offs to loans | 0.0119% | 1,888 |
| Credit loss provision to net charge-offs | 3,690.9091% | 205 |
| Earnings coverage of net charge-offs (x) | 240.2727% | 495 |
| Efficiency ratio | 69.4909% | 1,656 |
| Assets per employee ($millions) | 4.5962% | 4,050 |
| Cash dividends to net income (ytd only)* | 38.7817% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 3,350 |
| Loan loss allowance to noncurrent loans | 1,733.7209% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 3,925 |
| Noncurrent loans to loans | 0.0646% | 3,770 |
| Net loans and leases to total assets | 41.5266% | 4,122 |
| Net loans and leases to deposits | 46.4185% | 4,214 |
| Net loans and leases to core deposits | 47.4365% | 4,267 |
| Total domestic deposits to total assets | 89.4615% | 1,035 |
| Equity capital to assets | 9.5027% | 3,366 |
| Core capital (leverage) ratio | 8.9778% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3227% | 1,855 |
| Memoranda: | ||
| Average total assets | $310,926,000 | 2,410 |
| Average earning assets | $300,146,500 | 2,359 |
| Average equity | $29,859,000 | 2,578 |
| Average total loans | $123,054,750 | 2,961 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 3,783 |
| Cost of funding earning assets | 0.1455% | 4,244 |
| Net interest margin | 2.9958% | 3,339 |
| Noninterest income to average assets | 0.7654% | 1,631 |
| Noninterest expense to average assets | 2.5708% | 1,933 |
| Loan and lease loss provision to assets | 0.1677% | 696 |
| Net operating income to assets | 0.9202% | 3,162 |
| Return on assets (ROA) | 1.0290% | 2,873 |
| Pretax return on assets | 1.0290% | 3,373 |
| Return on Equity (ROE) | 10.6765% | 2,538 |
| Retained earnings to average equity (ytd only) | 5.4693% | 3,008 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2655% | 1,603 |
| Assets per employee ($millions) | 4.7512% | 3,884 |
| Cash dividends to net income (ytd only)* | 48.7728% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,604 |
| Loan loss allowance to noncurrent loans | 1,315.5340% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,035 |
| Noncurrent loans to loans | 0.0801% | 3,788 |
| Net loans and leases to total assets | 39.9715% | 4,288 |
| Net loans and leases to deposits | 46.0485% | 4,306 |
| Net loans and leases to core deposits | 47.0846% | 4,363 |
| Total domestic deposits to total assets | 86.8031% | 2,423 |
| Equity capital to assets | 9.3340% | 3,479 |
| Core capital (leverage) ratio | 8.7070% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1741% | 1,912 |
| Memoranda: | ||
| Average total assets | $308,854,333 | 2,407 |
| Average earning assets | $298,286,333 | 2,361 |
| Average equity | $29,766,333 | 2,571 |
| Average total loans | $119,676,667 | 3,009 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0562% | 3,974 |
| Cost of funding earning assets | 0.1468% | 4,327 |
| Net interest margin | 2.9093% | 3,488 |
| Noninterest income to average assets | 0.7721% | 1,657 |
| Noninterest expense to average assets | 2.5346% | 2,075 |
| Loan and lease loss provision to assets | 0.1933% | 636 |
| Net operating income to assets | 0.8589% | 3,240 |
| Return on assets (ROA) | 1.0167% | 2,841 |
| Pretax return on assets | 1.0167% | 3,323 |
| Return on Equity (ROE) | 10.3783% | 2,570 |
| Retained earnings to average equity (ytd only) | 10.3783% | 1,551 |
| Net charge-offs to loans | -0.0104% | 3,677 |
| Credit loss provision to net charge-offs | -4,900.0000% | 3,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6637% | 1,633 |
| Assets per employee ($millions) | 4.6262% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,620 |
| Loan loss allowance to noncurrent loans | 684.6154% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,947 |
| Noncurrent loans to loans | 0.1546% | 3,559 |
| Net loans and leases to total assets | 38.7239% | 4,394 |
| Net loans and leases to deposits | 43.2988% | 4,454 |
| Net loans and leases to core deposits | 44.2874% | 4,486 |
| Total domestic deposits to total assets | 89.4341% | 1,103 |
| Equity capital to assets | 9.8280% | 2,867 |
| Core capital (leverage) ratio | 8.8352% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5532% | 1,412 |
| Memoranda: | ||
| Average total assets | $304,115,500 | 2,424 |
| Average earning assets | $294,224,500 | 2,368 |
| Average equity | $29,793,000 | 2,558 |
| Average total loans | $115,216,500 | 3,062 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3086% | 4,320 |
| Cost of funding earning assets | 0.2206% | 4,505 |
| Net interest margin | 3.0880% | 3,662 |
| Noninterest income to average assets | 0.8055% | 1,517 |
| Noninterest expense to average assets | 2.5628% | 2,665 |
| Loan and lease loss provision to assets | 0.1203% | 2,863 |
| Net operating income to assets | 1.0986% | 1,930 |
| Return on assets (ROA) | 1.2237% | 1,582 |
| Pretax return on assets | 1.2237% | 2,247 |
| Return on Equity (ROE) | 12.1483% | 1,286 |
| Retained earnings to average equity (ytd only) | 5.9774% | 1,802 |
| Net charge-offs to loans | 0.0276% | 2,482 |
| Credit loss provision to net charge-offs | 1,257.6923% | 659 |
| Earnings coverage of net charge-offs (x) | 127.4615% | 668 |
| Efficiency ratio | 67.7689% | 2,260 |
| Assets per employee ($millions) | 4.6595% | 3,752 |
| Cash dividends to net income (ytd only)* | 50.7965% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,972 |
| Loan loss allowance to noncurrent loans | 195.3654% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 3,371 |
| Noncurrent loans to loans | 0.4976% | 2,481 |
| Net loans and leases to total assets | 36.3047% | 4,581 |
| Net loans and leases to deposits | 40.5001% | 4,649 |
| Net loans and leases to core deposits | 41.3509% | 4,667 |
| Total domestic deposits to total assets | 89.6409% | 705 |
| Equity capital to assets | 9.7659% | 3,352 |
| Core capital (leverage) ratio | 8.8900% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2988% | 1,445 |
| Memoranda: | ||
| Average total assets | $271,887,400 | 2,451 |
| Average earning assets | $262,045,000 | 2,390 |
| Average equity | $27,386,600 | 2,648 |
| Average total loans | $94,236,600 | 3,336 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4072% | 4,334 |
| Cost of funding earning assets | 0.2476% | 4,520 |
| Net interest margin | 3.1596% | 3,594 |
| Noninterest income to average assets | 0.8148% | 1,439 |
| Noninterest expense to average assets | 2.5680% | 2,637 |
| Loan and lease loss provision to assets | 0.0958% | 3,123 |
| Net operating income to assets | 1.1920% | 1,663 |
| Return on assets (ROA) | 1.3223% | 1,391 |
| Pretax return on assets | 1.3223% | 1,967 |
| Return on Equity (ROE) | 13.0112% | 1,109 |
| Retained earnings to average equity (ytd only) | 8.5211% | 1,137 |
| Net charge-offs to loans | 0.0223% | 2,404 |
| Credit loss provision to net charge-offs | 1,260.0000% | 707 |
| Earnings coverage of net charge-offs (x) | 169.3333% | 551 |
| Efficiency ratio | 66.6009% | 2,386 |
| Assets per employee ($millions) | 4.1122% | 4,227 |
| Cash dividends to net income (ytd only)* | 34.5092% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,530 |
| Loan loss allowance to noncurrent loans | 192.8287% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,533 |
| Noncurrent loans to loans | 0.5378% | 2,453 |
| Net loans and leases to total assets | 33.0342% | 4,766 |
| Net loans and leases to deposits | 37.3686% | 4,801 |
| Net loans and leases to core deposits | 38.2450% | 4,818 |
| Total domestic deposits to total assets | 88.4011% | 1,014 |
| Equity capital to assets | 10.6862% | 2,635 |
| Core capital (leverage) ratio | 9.4261% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7967% | 1,084 |
| Memoranda: | ||
| Average total assets | $262,977,250 | 2,490 |
| Average earning assets | $253,107,000 | 2,428 |
| Average equity | $26,725,000 | 2,684 |
| Average total loans | $89,610,000 | 3,419 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5682% | 4,317 |
| Cost of funding earning assets | 0.2913% | 4,513 |
| Net interest margin | 3.2770% | 3,442 |
| Noninterest income to average assets | 0.8235% | 1,364 |
| Noninterest expense to average assets | 2.5569% | 2,803 |
| Loan and lease loss provision to assets | 0.0668% | 3,459 |
| Net operating income to assets | 1.3464% | 1,231 |
| Return on assets (ROA) | 1.4241% | 1,154 |
| Pretax return on assets | 1.4241% | 1,666 |
| Return on Equity (ROE) | 14.2798% | 832 |
| Retained earnings to average equity (ytd only) | 8.8265% | 1,061 |
| Net charge-offs to loans | 0.0136% | 2,482 |
| Credit loss provision to net charge-offs | 1,433.3333% | 619 |
| Earnings coverage of net charge-offs (x) | 303.1667% | 318 |
| Efficiency ratio | 64.4031% | 2,765 |
| Assets per employee ($millions) | 4.3180% | 3,981 |
| Cash dividends to net income (ytd only)* | 38.1888% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,796 |
| Loan loss allowance to noncurrent loans | 170.5653% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 3,575 |
| Noncurrent loans to loans | 0.5577% | 2,494 |
| Net loans and leases to total assets | 34.0305% | 4,779 |
| Net loans and leases to deposits | 38.6969% | 4,818 |
| Net loans and leases to core deposits | 39.5340% | 4,829 |
| Total domestic deposits to total assets | 87.9411% | 1,211 |
| Equity capital to assets | 10.5741% | 2,685 |
| Core capital (leverage) ratio | 9.7934% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6154% | 1,108 |
| Memoranda: | ||
| Average total assets | $257,426,000 | 2,493 |
| Average earning assets | $247,181,000 | 2,438 |
| Average equity | $25,672,667 | 2,741 |
| Average total loans | $88,366,000 | 3,450 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 4,486 |
| Cost of funding earning assets | 0.4072% | 4,340 |
| Net interest margin | 3.2293% | 3,787 |
| Noninterest income to average assets | 0.8831% | 1,102 |
| Noninterest expense to average assets | 2.6225% | 2,915 |
| Loan and lease loss provision to assets | 0.0539% | 3,096 |
| Net operating income to assets | 1.3001% | 1,246 |
| Return on assets (ROA) | 1.3001% | 1,340 |
| Pretax return on assets | 1.3001% | 1,872 |
| Return on Equity (ROE) | 13.4677% | 795 |
| Retained earnings to average equity (ytd only) | 13.4677% | 289 |
| Net charge-offs to loans | 0.0185% | 2,000 |
| Credit loss provision to net charge-offs | 850.0000% | 640 |
| Earnings coverage of net charge-offs (x) | 213.5000% | 325 |
| Efficiency ratio | 65.9490% | 2,970 |
| Assets per employee ($millions) | 3.9625% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 3,944 |
| Loan loss allowance to noncurrent loans | 177.4194% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 3,725 |
| Noncurrent loans to loans | 0.5337% | 2,667 |
| Net loans and leases to total assets | 35.7045% | 4,791 |
| Net loans and leases to deposits | 39.9550% | 4,836 |
| Net loans and leases to core deposits | 40.8432% | 4,865 |
| Total domestic deposits to total assets | 89.3617% | 527 |
| Equity capital to assets | 9.6338% | 4,099 |
| Core capital (leverage) ratio | 10.0010% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0015% | 1,149 |
| Memoranda: | ||
| Average total assets | $252,279,500 | 2,479 |
| Average earning assets | $241,666,000 | 2,433 |
| Average equity | $24,354,500 | 2,820 |
| Average total loans | $86,558,500 | 3,469 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5001% | 4,857 |
| Cost of funding earning assets | 0.5531% | 3,857 |
| Net interest margin | 2.9470% | 4,587 |
| Noninterest income to average assets | 0.9218% | 1,139 |
| Noninterest expense to average assets | 2.6055% | 3,161 |
| Loan and lease loss provision to assets | 0.0746% | 2,501 |
| Net operating income to assets | 1.0706% | 2,572 |
| Return on assets (ROA) | 1.0797% | 2,627 |
| Pretax return on assets | 1.0797% | 3,235 |
| Return on Equity (ROE) | 11.1964% | 1,813 |
| Retained earnings to average equity (ytd only) | 1.6375% | 4,147 |
| Net charge-offs to loans | 0.0948% | 1,780 |
| Credit loss provision to net charge-offs | 252.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 38.6800% | 1,345 |
| Efficiency ratio | 69.4664% | 2,251 |
| Assets per employee ($millions) | 4.3090% | 3,494 |
| Cash dividends to net income (ytd only)* | 85.3748% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 3,861 |
| Loan loss allowance to noncurrent loans | 142.4731% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 3,613 |
| Noncurrent loans to loans | 0.6489% | 2,270 |
| Net loans and leases to total assets | 32.4124% | 4,929 |
| Net loans and leases to deposits | 36.1876% | 4,975 |
| Net loans and leases to core deposits | 36.9232% | 4,983 |
| Total domestic deposits to total assets | 89.5677% | 471 |
| Equity capital to assets | 9.6722% | 4,203 |
| Core capital (leverage) ratio | 9.9869% | 3,535 |
| Tier 1 risk-based capital ratio | 17.1670% | 2,002 |
| Total risk-based capital ratio | 17.7302% | 2,170 |
| Memoranda: | ||
| Average total assets | $253,311,000 | 2,437 |
| Average earning assets | $243,163,600 | 2,382 |
| Average equity | $24,427,400 | 2,758 |
| Average total loans | $79,103,000 | 3,617 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5290% | 4,938 |
| Cost of funding earning assets | 0.5786% | 3,781 |
| Net interest margin | 2.9504% | 4,692 |
| Noninterest income to average assets | 0.9389% | 1,066 |
| Noninterest expense to average assets | 2.6100% | 3,139 |
| Loan and lease loss provision to assets | 0.0664% | 2,556 |
| Net operating income to assets | 1.0994% | 2,569 |
| Return on assets (ROA) | 1.0999% | 2,664 |
| Pretax return on assets | 1.0999% | 3,296 |
| Return on Equity (ROE) | 11.4148% | 1,832 |
| Retained earnings to average equity (ytd only) | 6.9482% | 1,886 |
| Net charge-offs to loans | 0.0293% | 2,498 |
| Credit loss provision to net charge-offs | 735.2941% | 457 |
| Earnings coverage of net charge-offs (x) | 129.0366% | 608 |
| Efficiency ratio | 69.1247% | 2,240 |
| Assets per employee ($millions) | 4.1874% | 3,635 |
| Cash dividends to net income (ytd only)* | 39.1303% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,424 |
| Loan loss allowance to noncurrent loans | 917.4419% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,553 |
| Noncurrent loans to loans | 0.1118% | 4,146 |
| Net loans and leases to total assets | 29.8093% | 5,055 |
| Net loans and leases to deposits | 36.4437% | 5,059 |
| Net loans and leases to core deposits | 37.2791% | 5,066 |
| Total domestic deposits to total assets | 81.7953% | 3,531 |
| Equity capital to assets | 10.2825% | 3,742 |
| Core capital (leverage) ratio | 10.6012% | 3,007 |
| Tier 1 risk-based capital ratio | 19.3395% | 1,493 |
| Total risk-based capital ratio | 19.9476% | 1,610 |
| Memoranda: | ||
| Average total assets | $250,927,000 | 2,475 |
| Average earning assets | $241,270,250 | 2,414 |
| Average equity | $24,178,500 | 2,791 |
| Average total loans | $77,381,250 | 3,688 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5400% | 4,984 |
| Cost of funding earning assets | 0.5915% | 3,692 |
| Net interest margin | 2.9485% | 4,759 |
| Noninterest income to average assets | 0.9277% | 1,016 |
| Noninterest expense to average assets | 2.5851% | 3,226 |
| Loan and lease loss provision to assets | 0.0609% | 2,605 |
| Net operating income to assets | 1.1154% | 2,461 |
| Return on assets (ROA) | 1.1178% | 2,527 |
| Pretax return on assets | 1.1178% | 3,183 |
| Return on Equity (ROE) | 11.8724% | 1,625 |
| Retained earnings to average equity (ytd only) | 9.3174% | 951 |
| Net charge-offs to loans | -0.0026% | 4,004 |
| Credit loss provision to net charge-offs | -7,600.0000% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7274% | 2,414 |
| Assets per employee ($millions) | 4.0941% | 3,740 |
| Cash dividends to net income (ytd only)* | 21.5208% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,670 |
| Loan loss allowance to noncurrent loans | 636.9748% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,536 |
| Noncurrent loans to loans | 0.1557% | 3,982 |
| Net loans and leases to total assets | 29.8133% | 5,101 |
| Net loans and leases to deposits | 36.7965% | 5,097 |
| Net loans and leases to core deposits | 37.8473% | 5,108 |
| Total domestic deposits to total assets | 81.0222% | 3,804 |
| Equity capital to assets | 10.0586% | 3,930 |
| Core capital (leverage) ratio | 10.6079% | 2,975 |
| Tier 1 risk-based capital ratio | 18.8107% | 1,597 |
| Total risk-based capital ratio | 19.3827% | 1,725 |
| Memoranda: | ||
| Average total assets | $249,424,670 | 2,495 |
| Average earning assets | $239,716,330 | 2,435 |
| Average equity | $23,483,000 | 2,844 |
| Average total loans | $77,531,000 | 3,707 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 4,994 |
| Cost of funding earning assets | 0.6061% | 3,539 |
| Net interest margin | 2.9530% | 4,816 |
| Noninterest income to average assets | 0.8980% | 1,043 |
| Noninterest expense to average assets | 2.5904% | 3,243 |
| Loan and lease loss provision to assets | 0.0534% | 2,598 |
| Net operating income to assets | 1.0921% | 2,504 |
| Return on assets (ROA) | 1.0970% | 2,528 |
| Pretax return on assets | 1.0970% | 3,161 |
| Return on Equity (ROE) | 12.0756% | 1,507 |
| Retained earnings to average equity (ytd only) | 12.0756% | 598 |
| Net charge-offs to loans | -0.0154% | 4,388 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3374% | 2,450 |
| Assets per employee ($millions) | 3.9984% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,058 |
| Loan loss allowance to noncurrent loans | 412.0690% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,468 |
| Noncurrent loans to loans | 0.2242% | 3,784 |
| Net loans and leases to total assets | 31.0198% | 5,134 |
| Net loans and leases to deposits | 36.6631% | 5,137 |
| Net loans and leases to core deposits | 37.6914% | 5,148 |
| Total domestic deposits to total assets | 84.6075% | 2,814 |
| Equity capital to assets | 9.4599% | 4,295 |
| Core capital (leverage) ratio | 10.4019% | 3,158 |
| Tier 1 risk-based capital ratio | 18.7746% | 1,591 |
| Total risk-based capital ratio | 19.3237% | 1,734 |
| Memoranda: | ||
| Average total assets | $247,220,500 | 2,536 |
| Average earning assets | $237,590,500 | 2,475 |
| Average equity | $22,458,500 | 2,928 |
| Average total loans | $78,079,500 | 3,734 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 5,086 |
| Cost of funding earning assets | 0.4922% | 3,408 |
| Net interest margin | 2.8021% | 5,021 |
| Noninterest income to average assets | 0.9639% | 1,031 |
| Noninterest expense to average assets | 2.5968% | 3,342 |
| Loan and lease loss provision to assets | 0.0649% | 2,854 |
| Net operating income to assets | 0.9977% | 3,019 |
| Return on assets (ROA) | 0.9990% | 3,005 |
| Pretax return on assets | 0.9990% | 3,605 |
| Return on Equity (ROE) | 11.2476% | 1,991 |
| Retained earnings to average equity (ytd only) | 1.7119% | 4,463 |
| Net charge-offs to loans | 0.0470% | 2,494 |
| Credit loss provision to net charge-offs | 435.1351% | 777 |
| Earnings coverage of net charge-offs (x) | 71.2162% | 927 |
| Efficiency ratio | 70.9610% | 2,047 |
| Assets per employee ($millions) | 3.9765% | 3,920 |
| Cash dividends to net income (ytd only)* | 84.7800% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,306 |
| Loan loss allowance to noncurrent loans | 249.4505% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 4,276 |
| Noncurrent loans to loans | 0.3476% | 3,299 |
| Net loans and leases to total assets | 31.5822% | 5,179 |
| Net loans and leases to deposits | 34.8791% | 5,213 |
| Net loans and leases to core deposits | 35.7650% | 5,222 |
| Total domestic deposits to total assets | 90.5476% | 310 |
| Equity capital to assets | 8.7069% | 4,794 |
| Core capital (leverage) ratio | 10.4915% | 3,035 |
| Tier 1 risk-based capital ratio | 18.3980% | 1,645 |
| Total risk-based capital ratio | 18.9236% | 1,804 |
| Memoranda: | ||
| Average total assets | $247,959,200 | 2,484 |
| Average earning assets | $238,535,800 | 2,422 |
| Average equity | $22,022,400 | 2,895 |
| Average total loans | $78,685,400 | 3,692 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2447% | 5,172 |
| Cost of funding earning assets | 0.4712% | 3,384 |
| Net interest margin | 2.7736% | 5,115 |
| Noninterest income to average assets | 0.9660% | 1,023 |
| Noninterest expense to average assets | 2.5397% | 3,479 |
| Loan and lease loss provision to assets | 0.0644% | 2,684 |
| Net operating income to assets | 1.0293% | 2,970 |
| Return on assets (ROA) | 1.0309% | 2,969 |
| Pretax return on assets | 1.0309% | 3,633 |
| Return on Equity (ROE) | 11.5513% | 1,970 |
| Retained earnings to average equity (ytd only) | 8.8439% | 1,284 |
| Net charge-offs to loans | 0.0356% | 2,373 |
| Credit loss provision to net charge-offs | 571.4286% | 624 |
| Earnings coverage of net charge-offs (x) | 96.9975% | 772 |
| Efficiency ratio | 69.8980% | 2,209 |
| Assets per employee ($millions) | 3.9710% | 3,934 |
| Cash dividends to net income (ytd only)* | 23.4377% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 4,537 |
| Loan loss allowance to noncurrent loans | 347.0899% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,583 |
| Noncurrent loans to loans | 0.2379% | 3,845 |
| Net loans and leases to total assets | 32.5260% | 5,231 |
| Net loans and leases to deposits | 39.9964% | 5,208 |
| Net loans and leases to core deposits | 41.1502% | 5,217 |
| Total domestic deposits to total assets | 81.3222% | 3,783 |
| Equity capital to assets | 9.1643% | 4,409 |
| Core capital (leverage) ratio | 11.0729% | 2,510 |
| Tier 1 risk-based capital ratio | 19.0326% | 1,528 |
| Total risk-based capital ratio | 19.5335% | 1,678 |
| Memoranda: | ||
| Average total assets | $248,313,750 | 2,498 |
| Average earning assets | $238,821,000 | 2,433 |
| Average equity | $22,161,500 | 2,899 |
| Average total loans | $78,720,750 | 3,722 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2206% | 5,210 |
| Cost of funding earning assets | 0.4452% | 3,385 |
| Net interest margin | 2.7753% | 5,149 |
| Noninterest income to average assets | 0.9994% | 964 |
| Noninterest expense to average assets | 2.5142% | 3,593 |
| Loan and lease loss provision to assets | 0.0575% | 2,758 |
| Net operating income to assets | 1.0969% | 2,595 |
| Return on assets (ROA) | 1.1009% | 2,586 |
| Pretax return on assets | 1.1009% | 3,311 |
| Return on Equity (ROE) | 12.4085% | 1,580 |
| Retained earnings to average equity (ytd only) | 9.0317% | 1,209 |
| Net charge-offs to loans | 0.0229% | 2,411 |
| Credit loss provision to net charge-offs | 800.0000% | 499 |
| Earnings coverage of net charge-offs (x) | 160.5556% | 489 |
| Efficiency ratio | 48.6280% | 5,085 |
| Assets per employee ($millions) | 3.9812% | 3,929 |
| Cash dividends to net income (ytd only)* | 27.2134% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 4,731 |
| Loan loss allowance to noncurrent loans | 322.9167% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,619 |
| Noncurrent loans to loans | 0.2438% | 3,828 |
| Net loans and leases to total assets | 31.6502% | 5,295 |
| Net loans and leases to deposits | 38.5039% | 5,279 |
| Net loans and leases to core deposits | 39.8476% | 5,284 |
| Total domestic deposits to total assets | 82.1999% | 3,654 |
| Equity capital to assets | 8.9136% | 4,625 |
| Core capital (leverage) ratio | 10.6338% | 2,883 |
| Tier 1 risk-based capital ratio | 18.8850% | 1,581 |
| Total risk-based capital ratio | 19.3619% | 1,728 |
| Memoranda: | ||
| Average total assets | $250,340,330 | 2,499 |
| Average earning assets | $240,764,330 | 2,425 |
| Average equity | $22,210,670 | 2,911 |
| Average total loans | $78,479,330 | 3,738 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1567% | 5,270 |
| Cost of funding earning assets | 0.4043% | 3,544 |
| Net interest margin | 2.7524% | 5,209 |
| Noninterest income to average assets | 1.0932% | 771 |
| Noninterest expense to average assets | 2.4626% | 3,766 |
| Loan and lease loss provision to assets | 0.0571% | 2,633 |
| Net operating income to assets | 1.2202% | 1,924 |
| Return on assets (ROA) | 1.2218% | 1,930 |
| Pretax return on assets | 1.2218% | 2,674 |
| Return on Equity (ROE) | 13.8024% | 1,058 |
| Retained earnings to average equity (ytd only) | 13.8024% | 423 |
| Net charge-offs to loans | 0.0357% | 1,809 |
| Credit loss provision to net charge-offs | 514.2857% | 570 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 547 |
| Efficiency ratio | 65.8464% | 3,195 |
| Assets per employee ($millions) | 3.9922% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 4,930 |
| Loan loss allowance to noncurrent loans | 195.3333% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 4,490 |
| Noncurrent loans to loans | 0.3812% | 3,418 |
| Net loans and leases to total assets | 31.5599% | 5,332 |
| Net loans and leases to deposits | 37.5950% | 5,325 |
| Net loans and leases to core deposits | 38.6619% | 5,341 |
| Total domestic deposits to total assets | 83.9470% | 3,346 |
| Equity capital to assets | 8.9303% | 4,631 |
| Core capital (leverage) ratio | 10.4411% | 3,019 |
| Tier 1 risk-based capital ratio | 18.5043% | 1,691 |
| Total risk-based capital ratio | 18.9502% | 1,868 |
| Memoranda: | ||
| Average total assets | $252,092,500 | 2,497 |
| Average earning assets | $242,408,000 | 2,434 |
| Average equity | $22,315,000 | 2,929 |
| Average total loans | $78,347,000 | 3,773 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1680% | 5,227 |
| Cost of funding earning assets | 0.2554% | 4,519 |
| Net interest margin | 2.9126% | 5,028 |
| Noninterest income to average assets | 0.8931% | 1,291 |
| Noninterest expense to average assets | 2.6382% | 3,325 |
| Loan and lease loss provision to assets | 0.0493% | 3,236 |
| Net operating income to assets | 0.9901% | 2,292 |
| Return on assets (ROA) | 1.0398% | 2,126 |
| Pretax return on assets | 1.0398% | 3,418 |
| Return on Equity (ROE) | 10.8734% | 1,536 |
| Retained earnings to average equity (ytd only) | 1.3323% | 4,480 |
| Net charge-offs to loans | 0.1146% | 1,904 |
| Credit loss provision to net charge-offs | 136.3636% | 1,938 |
| Earnings coverage of net charge-offs (x) | 28.7386% | 1,591 |
| Efficiency ratio | 71.7367% | 2,266 |
| Assets per employee ($millions) | 4.1398% | 3,758 |
| Cash dividends to net income (ytd only)* | 87.7470% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7142% | 5,042 |
| Loan loss allowance to noncurrent loans | 182.6230% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 4,540 |
| Noncurrent loans to loans | 0.3911% | 3,359 |
| Net loans and leases to total assets | 30.1693% | 5,434 |
| Net loans and leases to deposits | 35.2065% | 5,446 |
| Net loans and leases to core deposits | 36.0366% | 5,457 |
| Total domestic deposits to total assets | 85.6924% | 2,578 |
| Equity capital to assets | 8.7763% | 4,909 |
| Core capital (leverage) ratio | 10.1691% | 3,226 |
| Tier 1 risk-based capital ratio | 17.4417% | 1,958 |
| Total risk-based capital ratio | 17.8559% | 2,176 |
| Memoranda: | ||
| Average total assets | $243,308,600 | 2,539 |
| Average earning assets | $232,607,000 | 2,482 |
| Average equity | $23,267,800 | 2,829 |
| Average total loans | $76,799,800 | 3,806 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 5,254 |
| Cost of funding earning assets | 0.2422% | 4,643 |
| Net interest margin | 2.9370% | 5,043 |
| Noninterest income to average assets | 0.9034% | 1,262 |
| Noninterest expense to average assets | 2.6375% | 3,293 |
| Loan and lease loss provision to assets | 0.0428% | 3,245 |
| Net operating income to assets | 1.0329% | 2,400 |
| Return on assets (ROA) | 1.1007% | 2,139 |
| Pretax return on assets | 1.1007% | 3,297 |
| Return on Equity (ROE) | 11.2619% | 1,587 |
| Retained earnings to average equity (ytd only) | 7.4530% | 1,454 |
| Net charge-offs to loans | 0.1377% | 1,424 |
| Credit loss provision to net charge-offs | 97.4684% | 2,354 |
| Earnings coverage of net charge-offs (x) | 24.5065% | 1,766 |
| Efficiency ratio | 71.0310% | 2,360 |
| Assets per employee ($millions) | 4.1024% | 3,823 |
| Cash dividends to net income (ytd only)* | 33.8212% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 5,166 |
| Loan loss allowance to noncurrent loans | 79.9694% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 4,020 |
| Noncurrent loans to loans | 0.8571% | 2,224 |
| Net loans and leases to total assets | 30.2827% | 5,492 |
| Net loans and leases to deposits | 37.5166% | 5,470 |
| Net loans and leases to core deposits | 39.3805% | 5,475 |
| Total domestic deposits to total assets | 80.7181% | 4,128 |
| Equity capital to assets | 9.7273% | 4,223 |
| Core capital (leverage) ratio | 10.6406% | 2,834 |
| Tier 1 risk-based capital ratio | 18.7584% | 1,659 |
| Total risk-based capital ratio | 19.1596% | 1,831 |
| Memoranda: | ||
| Average total assets | $239,968,750 | 2,583 |
| Average earning assets | $229,570,250 | 2,523 |
| Average equity | $23,453,250 | 2,837 |
| Average total loans | $76,501,750 | 3,851 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2109% | 5,221 |
| Cost of funding earning assets | 0.2275% | 4,744 |
| Net interest margin | 2.9833% | 4,948 |
| Noninterest income to average assets | 0.9301% | 1,186 |
| Noninterest expense to average assets | 2.6820% | 3,155 |
| Loan and lease loss provision to assets | 0.0414% | 3,174 |
| Net operating income to assets | 1.0670% | 2,131 |
| Return on assets (ROA) | 1.0780% | 2,136 |
| Pretax return on assets | 1.0780% | 3,272 |
| Return on Equity (ROE) | 11.0118% | 1,644 |
| Retained earnings to average equity (ytd only) | 6.9525% | 1,612 |
| Net charge-offs to loans | 0.0862% | 1,749 |
| Credit loss provision to net charge-offs | 148.4848% | 1,536 |
| Earnings coverage of net charge-offs (x) | 39.7273% | 1,255 |
| Efficiency ratio | 70.7562% | 2,540 |
| Assets per employee ($millions) | 3.6699% | 4,481 |
| Cash dividends to net income (ytd only)* | 36.8627% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 5,196 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 4,194 |
| Noncurrent loans to loans | 0.7054% | 2,638 |
| Net loans and leases to total assets | 33.4671% | 5,466 |
| Net loans and leases to deposits | 37.9566% | 5,507 |
| Net loans and leases to core deposits | 39.8880% | 5,505 |
| Total domestic deposits to total assets | 88.1719% | 1,369 |
| Equity capital to assets | 10.6112% | 3,215 |
| Core capital (leverage) ratio | 10.4198% | 3,003 |
| Tier 1 risk-based capital ratio | 18.1460% | 1,811 |
| Total risk-based capital ratio | 18.5559% | 2,016 |
| Memoranda: | ||
| Average total assets | $236,543,330 | 2,628 |
| Average earning assets | $226,792,330 | 2,564 |
| Average equity | $23,157,000 | 2,866 |
| Average total loans | $76,567,670 | 3,867 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1095% | 5,357 |
| Cost of funding earning assets | 0.2110% | 4,876 |
| Net interest margin | 2.8985% | 5,088 |
| Noninterest income to average assets | 0.9276% | 1,171 |
| Noninterest expense to average assets | 2.6152% | 3,435 |
| Loan and lease loss provision to assets | 0.0348% | 3,087 |
| Net operating income to assets | 1.0587% | 2,036 |
| Return on assets (ROA) | 1.0687% | 2,038 |
| Pretax return on assets | 1.0687% | 3,093 |
| Return on Equity (ROE) | 11.3663% | 1,443 |
| Retained earnings to average equity (ytd only) | 11.3663% | 552 |
| Net charge-offs to loans | 0.0889% | 1,455 |
| Credit loss provision to net charge-offs | 123.5294% | 1,362 |
| Earnings coverage of net charge-offs (x) | 38.7647% | 1,059 |
| Efficiency ratio | 70.5145% | 2,812 |
| Assets per employee ($millions) | 3.6860% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 5,325 |
| Loan loss allowance to noncurrent loans | 200.3788% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 4,812 |
| Noncurrent loans to loans | 0.3463% | 3,858 |
| Net loans and leases to total assets | 32.5965% | 5,523 |
| Net loans and leases to deposits | 36.6917% | 5,562 |
| Net loans and leases to core deposits | 38.5127% | 5,563 |
| Total domestic deposits to total assets | 88.8391% | 1,233 |
| Equity capital to assets | 10.0555% | 3,688 |
| Core capital (leverage) ratio | 10.1790% | 3,261 |
| Tier 1 risk-based capital ratio | 18.0770% | 1,850 |
| Total risk-based capital ratio | 18.4790% | 2,059 |
| Memoranda: | ||
| Average total assets | $241,048,000 | 2,605 |
| Average earning assets | $231,293,500 | 2,540 |
| Average equity | $22,663,500 | 2,930 |
| Average total loans | $76,506,500 | 3,896 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1153% | 5,387 |
| Cost of funding earning assets | 0.2128% | 4,903 |
| Net interest margin | 2.9025% | 5,136 |
| Noninterest income to average assets | 0.9526% | 1,256 |
| Noninterest expense to average assets | 2.6883% | 3,377 |
| Loan and lease loss provision to assets | 0.0469% | 3,451 |
| Net operating income to assets | 1.0108% | 2,306 |
| Return on assets (ROA) | 1.1021% | 1,987 |
| Pretax return on assets | 1.1021% | 3,097 |
| Return on Equity (ROE) | 11.0626% | 1,560 |
| Retained earnings to average equity (ytd only) | 1.8158% | 4,493 |
| Net charge-offs to loans | 0.0869% | 2,455 |
| Credit loss provision to net charge-offs | 169.6970% | 1,632 |
| Earnings coverage of net charge-offs (x) | 38.2727% | 1,212 |
| Efficiency ratio | 71.7639% | 2,627 |
| Assets per employee ($millions) | 3.9663% | 4,035 |
| Cash dividends to net income (ytd only)* | 83.5866% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6837% | 5,388 |
| Loan loss allowance to noncurrent loans | 165.0943% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 4,802 |
| Noncurrent loans to loans | 0.4141% | 3,662 |
| Net loans and leases to total assets | 30.5205% | 5,635 |
| Net loans and leases to deposits | 33.8000% | 5,678 |
| Net loans and leases to core deposits | 35.3344% | 5,687 |
| Total domestic deposits to total assets | 90.2971% | 518 |
| Equity capital to assets | 8.7948% | 5,019 |
| Core capital (leverage) ratio | 9.8937% | 3,637 |
| Tier 1 risk-based capital ratio | 17.5967% | 1,975 |
| Total risk-based capital ratio | 17.9958% | 2,197 |
| Memoranda: | ||
| Average total assets | $238,811,000 | 2,588 |
| Average earning assets | $229,833,200 | 2,515 |
| Average equity | $23,791,800 | 2,816 |
| Average total loans | $75,990,200 | 3,900 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1304% | 5,441 |
| Cost of funding earning assets | 0.2148% | 4,924 |
| Net interest margin | 2.9156% | 5,160 |
| Noninterest income to average assets | 0.9619% | 1,234 |
| Noninterest expense to average assets | 2.6949% | 3,364 |
| Loan and lease loss provision to assets | 0.0446% | 3,347 |
| Net operating income to assets | 1.0286% | 2,300 |
| Return on assets (ROA) | 1.1512% | 1,901 |
| Pretax return on assets | 1.1512% | 3,043 |
| Return on Equity (ROE) | 11.2072% | 1,592 |
| Retained earnings to average equity (ytd only) | 7.6328% | 1,345 |
| Net charge-offs to loans | 0.0756% | 2,238 |
| Credit loss provision to net charge-offs | 183.7209% | 1,529 |
| Earnings coverage of net charge-offs (x) | 44.1875% | 1,164 |
| Efficiency ratio | 71.5185% | 2,647 |
| Assets per employee ($millions) | 3.6099% | 4,635 |
| Cash dividends to net income (ytd only)* | 31.8941% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 5,487 |
| Loan loss allowance to noncurrent loans | 173.9865% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,715 |
| Noncurrent loans to loans | 0.3857% | 3,875 |
| Net loans and leases to total assets | 32.9986% | 5,656 |
| Net loans and leases to deposits | 37.6392% | 5,687 |
| Net loans and leases to core deposits | 39.5510% | 5,692 |
| Total domestic deposits to total assets | 87.6709% | 1,575 |
| Equity capital to assets | 11.0600% | 2,947 |
| Core capital (leverage) ratio | 10.3803% | 3,127 |
| Tier 1 risk-based capital ratio | 18.5226% | 1,784 |
| Total risk-based capital ratio | 18.9183% | 1,976 |
| Memoranda: | ||
| Average total assets | $236,045,000 | 2,619 |
| Average earning assets | $227,186,000 | 2,546 |
| Average equity | $24,245,750 | 2,800 |
| Average total loans | $75,790,750 | 3,935 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0972% | 5,547 |
| Cost of funding earning assets | 0.2133% | 5,006 |
| Net interest margin | 2.8839% | 5,295 |
| Noninterest income to average assets | 0.9516% | 1,235 |
| Noninterest expense to average assets | 2.6637% | 3,504 |
| Loan and lease loss provision to assets | 0.0454% | 3,241 |
| Net operating income to assets | 1.0180% | 2,309 |
| Return on assets (ROA) | 1.1661% | 1,817 |
| Pretax return on assets | 1.1661% | 2,922 |
| Return on Equity (ROE) | 11.6420% | 1,431 |
| Retained earnings to average equity (ytd only) | 7.8621% | 1,215 |
| Net charge-offs to loans | 0.0742% | 2,123 |
| Credit loss provision to net charge-offs | 192.8571% | 1,336 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 1,063 |
| Efficiency ratio | 71.4673% | 2,750 |
| Assets per employee ($millions) | 3.6654% | 4,499 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 5,569 |
| Loan loss allowance to noncurrent loans | 108.8362% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 4,685 |
| Noncurrent loans to loans | 0.6182% | 3,211 |
| Net loans and leases to total assets | 32.2825% | 5,735 |
| Net loans and leases to deposits | 36.6397% | 5,774 |
| Net loans and leases to core deposits | 38.4605% | 5,781 |
| Total domestic deposits to total assets | 88.1079% | 1,379 |
| Equity capital to assets | 10.8458% | 3,239 |
| Core capital (leverage) ratio | 10.1546% | 3,381 |
| Tier 1 risk-based capital ratio | 19.0627% | 1,680 |
| Total risk-based capital ratio | 19.4697% | 1,837 |
| Memoranda: | ||
| Average total assets | $237,716,330 | 2,619 |
| Average earning assets | $228,789,670 | 2,548 |
| Average equity | $23,810,330 | 2,851 |
| Average total loans | $75,470,330 | 3,963 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0422% | 5,653 |
| Cost of funding earning assets | 0.2120% | 5,084 |
| Net interest margin | 2.8302% | 5,426 |
| Noninterest income to average assets | 0.9821% | 1,119 |
| Noninterest expense to average assets | 2.6145% | 3,706 |
| Loan and lease loss provision to assets | 0.0498% | 2,928 |
| Net operating income to assets | 1.0418% | 2,113 |
| Return on assets (ROA) | 1.2359% | 1,543 |
| Pretax return on assets | 1.2359% | 2,556 |
| Return on Equity (ROE) | 12.8487% | 1,067 |
| Retained earnings to average equity (ytd only) | 12.8487% | 407 |
| Net charge-offs to loans | 0.0740% | 1,745 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 918 |
| Efficiency ratio | 70.5461% | 3,036 |
| Assets per employee ($millions) | 3.6185% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 5,667 |
| Loan loss allowance to noncurrent loans | 162.2951% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 5,051 |
| Noncurrent loans to loans | 0.4075% | 3,972 |
| Net loans and leases to total assets | 32.1031% | 5,777 |
| Net loans and leases to deposits | 36.1600% | 5,825 |
| Net loans and leases to core deposits | 38.1061% | 5,820 |
| Total domestic deposits to total assets | 88.7806% | 1,215 |
| Equity capital to assets | 10.3035% | 3,740 |
| Core capital (leverage) ratio | 9.9211% | 3,637 |
| Tier 1 risk-based capital ratio | 19.3774% | 1,636 |
| Total risk-based capital ratio | 19.7863% | 1,802 |
| Memoranda: | ||
| Average total assets | $241,115,500 | 2,612 |
| Average earning assets | $232,070,500 | 2,528 |
| Average equity | $23,193,000 | 2,902 |
| Average total loans | $75,680,000 | 3,980 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9954% | 5,732 |
| Cost of funding earning assets | 0.2101% | 5,190 |
| Net interest margin | 2.7853% | 5,543 |
| Noninterest income to average assets | 0.9611% | 1,290 |
| Noninterest expense to average assets | 2.6745% | 3,673 |
| Loan and lease loss provision to assets | 0.0358% | 3,630 |
| Net operating income to assets | 0.9235% | 2,737 |
| Return on assets (ROA) | 0.9843% | 2,525 |
| Pretax return on assets | 0.9843% | 3,530 |
| Return on Equity (ROE) | 10.0591% | 1,987 |
| Retained earnings to average equity (ytd only) | 0.7930% | 5,203 |
| Net charge-offs to loans | 0.0583% | 3,052 |
| Credit loss provision to net charge-offs | 188.8889% | 1,462 |
| Earnings coverage of net charge-offs (x) | 50.5556% | 993 |
| Efficiency ratio | 73.5987% | 2,641 |
| Assets per employee ($millions) | 3.9164% | 4,089 |
| Cash dividends to net income (ytd only)* | 92.1165% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 5,763 |
| Loan loss allowance to noncurrent loans | 152.5478% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,958 |
| Noncurrent loans to loans | 0.4104% | 3,983 |
| Net loans and leases to total assets | 30.3376% | 5,877 |
| Net loans and leases to deposits | 33.6167% | 5,938 |
| Net loans and leases to core deposits | 35.3809% | 5,936 |
| Total domestic deposits to total assets | 90.2457% | 526 |
| Equity capital to assets | 8.9867% | 5,136 |
| Core capital (leverage) ratio | 9.9016% | 3,640 |
| Tier 1 risk-based capital ratio | 18.4933% | 1,831 |
| Total risk-based capital ratio | 18.8832% | 2,032 |
| Memoranda: | ||
| Average total assets | $237,129,800 | 2,605 |
| Average earning assets | $227,550,800 | 2,527 |
| Average equity | $23,202,800 | 2,861 |
| Average total loans | $77,229,600 | 3,904 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 5,780 |
| Cost of funding earning assets | 0.2125% | 5,262 |
| Net interest margin | 2.8213% | 5,546 |
| Noninterest income to average assets | 0.9714% | 1,251 |
| Noninterest expense to average assets | 2.6860% | 3,611 |
| Loan and lease loss provision to assets | 0.0331% | 3,566 |
| Net operating income to assets | 0.9560% | 2,692 |
| Return on assets (ROA) | 1.0062% | 2,531 |
| Pretax return on assets | 1.0062% | 3,590 |
| Return on Equity (ROE) | 10.0630% | 2,080 |
| Retained earnings to average equity (ytd only) | 5.3567% | 2,675 |
| Net charge-offs to loans | 0.0534% | 2,841 |
| Credit loss provision to net charge-offs | 187.0968% | 1,416 |
| Earnings coverage of net charge-offs (x) | 55.9385% | 964 |
| Efficiency ratio | 73.0871% | 2,702 |
| Assets per employee ($millions) | 3.3755% | 5,019 |
| Cash dividends to net income (ytd only)* | 46.7686% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6133% | 5,872 |
| Loan loss allowance to noncurrent loans | 144.2724% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 5,004 |
| Noncurrent loans to loans | 0.4251% | 4,081 |
| Net loans and leases to total assets | 33.8988% | 5,860 |
| Net loans and leases to deposits | 38.5223% | 5,913 |
| Net loans and leases to core deposits | 40.9708% | 5,887 |
| Total domestic deposits to total assets | 87.9978% | 1,554 |
| Equity capital to assets | 10.7292% | 3,325 |
| Core capital (leverage) ratio | 10.3289% | 3,221 |
| Tier 1 risk-based capital ratio | 19.1598% | 1,733 |
| Total risk-based capital ratio | 19.5402% | 1,919 |
| Memoranda: | ||
| Average total assets | $233,750,000 | 2,650 |
| Average earning assets | $224,001,500 | 2,575 |
| Average equity | $23,372,250 | 2,869 |
| Average total loans | $77,407,000 | 3,937 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0042% | 5,853 |
| Cost of funding earning assets | 0.2096% | 5,357 |
| Net interest margin | 2.7946% | 5,624 |
| Noninterest income to average assets | 0.9477% | 1,306 |
| Noninterest expense to average assets | 2.6427% | 3,766 |
| Loan and lease loss provision to assets | 0.0303% | 3,521 |
| Net operating income to assets | 0.9486% | 2,640 |
| Return on assets (ROA) | 0.9814% | 2,601 |
| Pretax return on assets | 0.9814% | 3,659 |
| Return on Equity (ROE) | 10.0451% | 2,047 |
| Retained earnings to average equity (ytd only) | 4.6561% | 3,075 |
| Net charge-offs to loans | 0.0591% | 2,549 |
| Credit loss provision to net charge-offs | 156.5217% | 1,490 |
| Earnings coverage of net charge-offs (x) | 50.5217% | 950 |
| Efficiency ratio | 72.9705% | 2,848 |
| Assets per employee ($millions) | 3.5015% | 4,787 |
| Cash dividends to net income (ytd only)* | 53.6481% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 6,009 |
| Loan loss allowance to noncurrent loans | 361.6000% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 5,214 |
| Noncurrent loans to loans | 0.1593% | 5,119 |
| Net loans and leases to total assets | 34.2780% | 5,896 |
| Net loans and leases to deposits | 38.6576% | 5,951 |
| Net loans and leases to core deposits | 41.2101% | 5,925 |
| Total domestic deposits to total assets | 88.6708% | 1,314 |
| Equity capital to assets | 10.1627% | 3,848 |
| Core capital (leverage) ratio | 9.9030% | 3,734 |
| Tier 1 risk-based capital ratio | 19.3406% | 1,712 |
| Total risk-based capital ratio | 19.7195% | 1,896 |
| Memoranda: | ||
| Average total assets | $237,405,330 | 2,633 |
| Average earning assets | $227,148,670 | 2,568 |
| Average equity | $23,195,330 | 2,899 |
| Average total loans | $77,880,330 | 3,953 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9419% | 5,956 |
| Cost of funding earning assets | 0.2075% | 5,438 |
| Net interest margin | 2.7343% | 5,760 |
| Noninterest income to average assets | 0.9409% | 1,263 |
| Noninterest expense to average assets | 2.5703% | 4,027 |
| Loan and lease loss provision to assets | 0.0231% | 3,410 |
| Net operating income to assets | 0.9575% | 2,461 |
| Return on assets (ROA) | 0.9740% | 2,508 |
| Pretax return on assets | 0.9740% | 3,591 |
| Return on Equity (ROE) | 10.1602% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.1602% | 880 |
| Net charge-offs to loans | 0.0825% | 1,883 |
| Credit loss provision to net charge-offs | 87.5000% | 1,764 |
| Earnings coverage of net charge-offs (x) | 37.1250% | 1,021 |
| Efficiency ratio | 72.3849% | 3,109 |
| Assets per employee ($millions) | 3.7205% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 6,108 |
| Loan loss allowance to noncurrent loans | 361.1570% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 5,136 |
| Noncurrent loans to loans | 0.1550% | 5,219 |
| Net loans and leases to total assets | 32.5917% | 5,979 |
| Net loans and leases to deposits | 36.6201% | 6,037 |
| Net loans and leases to core deposits | 38.9136% | 6,011 |
| Total domestic deposits to total assets | 88.9993% | 1,271 |
| Equity capital to assets | 9.9713% | 4,180 |
| Core capital (leverage) ratio | 9.6066% | 4,140 |
| Tier 1 risk-based capital ratio | 20.9685% | 1,432 |
| Total risk-based capital ratio | 21.3648% | 1,558 |
| Memoranda: | ||
| Average total assets | $242,309,000 | 2,617 |
| Average earning assets | $231,280,000 | 2,543 |
| Average equity | $23,228,000 | 2,913 |
| Average total loans | $77,586,500 | 3,977 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9114% | 6,124 |
| Cost of funding earning assets | 0.2171% | 5,613 |
| Net interest margin | 2.6943% | 5,949 |
| Noninterest income to average assets | 0.9802% | 1,258 |
| Noninterest expense to average assets | 2.7116% | 3,820 |
| Loan and lease loss provision to assets | 0.0140% | 4,336 |
| Net operating income to assets | 0.8346% | 3,199 |
| Return on assets (ROA) | 0.8659% | 3,135 |
| Pretax return on assets | 0.8659% | 4,018 |
| Return on Equity (ROE) | 9.2929% | 2,442 |
| Retained earnings to average equity (ytd only) | 0.9543% | 5,349 |
| Net charge-offs to loans | 0.0636% | 3,580 |
| Credit loss provision to net charge-offs | 66.0000% | 3,161 |
| Earnings coverage of net charge-offs (x) | 40.0800% | 1,084 |
| Efficiency ratio | 76.1656% | 2,483 |
| Assets per employee ($millions) | 3.7349% | 4,467 |
| Cash dividends to net income (ytd only)* | 89.7311% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5692% | 6,187 |
| Loan loss allowance to noncurrent loans | 205.1402% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 5,069 |
| Noncurrent loans to loans | 0.2775% | 4,862 |
| Net loans and leases to total assets | 31.1117% | 6,144 |
| Net loans and leases to deposits | 34.6684% | 6,206 |
| Net loans and leases to core deposits | 36.7411% | 6,189 |
| Total domestic deposits to total assets | 89.7410% | 858 |
| Equity capital to assets | 9.2140% | 5,050 |
| Core capital (leverage) ratio | 9.8504% | 3,772 |
| Tier 1 risk-based capital ratio | 20.7150% | 1,468 |
| Total risk-based capital ratio | 21.1186% | 1,595 |
| Memoranda: | ||
| Average total assets | $236,171,600 | 2,649 |
| Average earning assets | $226,145,400 | 2,562 |
| Average equity | $22,006,000 | 2,946 |
| Average total loans | $78,571,800 | 3,916 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9024% | 6,205 |
| Cost of funding earning assets | 0.2211% | 5,655 |
| Net interest margin | 2.6814% | 6,028 |
| Noninterest income to average assets | 0.9977% | 1,233 |
| Noninterest expense to average assets | 2.7392% | 3,677 |
| Loan and lease loss provision to assets | 0.0131% | 4,155 |
| Net operating income to assets | 0.8208% | 3,335 |
| Return on assets (ROA) | 0.8368% | 3,339 |
| Pretax return on assets | 0.8368% | 4,227 |
| Return on Equity (ROE) | 8.9541% | 2,714 |
| Retained earnings to average equity (ytd only) | 3.8540% | 3,911 |
| Net charge-offs to loans | 0.0659% | 3,257 |
| Credit loss provision to net charge-offs | 58.9744% | 2,950 |
| Earnings coverage of net charge-offs (x) | 37.4606% | 1,178 |
| Efficiency ratio | 76.6613% | 2,391 |
| Assets per employee ($millions) | 3.4165% | 5,024 |
| Cash dividends to net income (ytd only)* | 56.9579% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 6,275 |
| Loan loss allowance to noncurrent loans | 103.0445% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 4,901 |
| Noncurrent loans to loans | 0.5429% | 4,299 |
| Net loans and leases to total assets | 34.6868% | 6,085 |
| Net loans and leases to deposits | 39.2135% | 6,145 |
| Net loans and leases to core deposits | 41.8702% | 6,121 |
| Total domestic deposits to total assets | 88.4564% | 1,529 |
| Equity capital to assets | 10.1050% | 4,043 |
| Core capital (leverage) ratio | 10.1401% | 3,485 |
| Tier 1 risk-based capital ratio | 21.9223% | 1,269 |
| Total risk-based capital ratio | 22.3426% | 1,411 |
| Memoranda: | ||
| Average total assets | $233,588,250 | 2,683 |
| Average earning assets | $224,358,250 | 2,595 |
| Average equity | $21,829,250 | 2,966 |
| Average total loans | $78,932,000 | 3,930 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8265% | 6,326 |
| Cost of funding earning assets | 0.2220% | 5,728 |
| Net interest margin | 2.6046% | 6,166 |
| Noninterest income to average assets | 0.9725% | 1,278 |
| Noninterest expense to average assets | 2.6942% | 3,888 |
| Loan and lease loss provision to assets | 0.0135% | 3,991 |
| Net operating income to assets | 0.7677% | 3,473 |
| Return on assets (ROA) | 0.7838% | 3,508 |
| Pretax return on assets | 0.7838% | 4,336 |
| Return on Equity (ROE) | 8.6098% | 2,782 |
| Retained earnings to average equity (ytd only) | 2.7057% | 4,480 |
| Net charge-offs to loans | 0.0683% | 3,023 |
| Credit loss provision to net charge-offs | 59.2593% | 2,656 |
| Earnings coverage of net charge-offs (x) | 34.1852% | 1,169 |
| Efficiency ratio | 77.5207% | 2,370 |
| Assets per employee ($millions) | 3.3844% | 5,091 |
| Cash dividends to net income (ytd only)* | 68.5745% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 6,356 |
| Loan loss allowance to noncurrent loans | 69.2068% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 5,068 |
| Noncurrent loans to loans | 0.8113% | 3,683 |
| Net loans and leases to total assets | 34.7556% | 6,122 |
| Net loans and leases to deposits | 39.0883% | 6,187 |
| Net loans and leases to core deposits | 41.7109% | 6,160 |
| Total domestic deposits to total assets | 88.9155% | 1,406 |
| Equity capital to assets | 9.9163% | 4,223 |
| Core capital (leverage) ratio | 9.7629% | 3,941 |
| Tier 1 risk-based capital ratio | 22.0118% | 1,255 |
| Total risk-based capital ratio | 22.4449% | 1,384 |
| Memoranda: | ||
| Average total assets | $236,287,000 | 2,669 |
| Average earning assets | $227,061,330 | 2,574 |
| Average equity | $21,510,330 | 2,998 |
| Average total loans | $79,024,000 | 3,940 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7513% | 6,428 |
| Cost of funding earning assets | 0.2225% | 5,826 |
| Net interest margin | 2.5288% | 6,311 |
| Noninterest income to average assets | 0.9558% | 1,243 |
| Noninterest expense to average assets | 2.6235% | 4,202 |
| Loan and lease loss provision to assets | 0.0116% | 3,679 |
| Net operating income to assets | 0.7534% | 3,401 |
| Return on assets (ROA) | 0.7617% | 3,433 |
| Pretax return on assets | 0.7617% | 4,266 |
| Return on Equity (ROE) | 8.7335% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.7335% | 1,336 |
| Net charge-offs to loans | 0.0253% | 3,064 |
| Credit loss provision to net charge-offs | 140.0000% | 1,315 |
| Earnings coverage of net charge-offs (x) | 92.2000% | 489 |
| Efficiency ratio | 77.4241% | 2,570 |
| Assets per employee ($millions) | 3.4534% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 6,428 |
| Loan loss allowance to noncurrent loans | 83.1216% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 5,325 |
| Noncurrent loans to loans | 0.7027% | 4,108 |
| Net loans and leases to total assets | 33.1976% | 6,216 |
| Net loans and leases to deposits | 36.9786% | 6,285 |
| Net loans and leases to core deposits | 39.3423% | 6,259 |
| Total domestic deposits to total assets | 89.7752% | 1,191 |
| Equity capital to assets | 9.2480% | 4,816 |
| Core capital (leverage) ratio | 9.5381% | 4,224 |
| Tier 1 risk-based capital ratio | 22.5244% | 1,204 |
| Total risk-based capital ratio | 22.9773% | 1,316 |
| Memoranda: | ||
| Average total assets | $241,051,500 | 2,630 |
| Average earning assets | $231,888,500 | 2,533 |
| Average equity | $21,022,500 | 3,049 |
| Average total loans | $78,908,000 | 3,972 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8427% | 6,469 |
| Cost of funding earning assets | 0.2632% | 5,885 |
| Net interest margin | 2.5795% | 6,286 |
| Noninterest income to average assets | 0.9532% | 1,515 |
| Noninterest expense to average assets | 2.6586% | 4,248 |
| Loan and lease loss provision to assets | 0.0178% | 4,774 |
| Net operating income to assets | 0.7596% | 3,501 |
| Return on assets (ROA) | 0.8052% | 3,366 |
| Pretax return on assets | 0.8052% | 4,125 |
| Return on Equity (ROE) | 8.9562% | 2,550 |
| Retained earnings to average equity (ytd only) | 0.5350% | 5,601 |
| Net charge-offs to loans | 0.0806% | 4,089 |
| Credit loss provision to net charge-offs | 66.1538% | 3,401 |
| Earnings coverage of net charge-offs (x) | 28.8462% | 1,224 |
| Efficiency ratio | 77.3742% | 2,559 |
| Assets per employee ($millions) | 3.6906% | 4,500 |
| Cash dividends to net income (ytd only)* | 94.0268% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 6,503 |
| Loan loss allowance to noncurrent loans | 77.1574% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 5,413 |
| Noncurrent loans to loans | 0.7443% | 4,101 |
| Net loans and leases to total assets | 31.9258% | 6,386 |
| Net loans and leases to deposits | 35.2050% | 6,457 |
| Net loans and leases to core deposits | 37.3627% | 6,436 |
| Total domestic deposits to total assets | 90.6856% | 711 |
| Equity capital to assets | 8.2209% | 5,857 |
| Core capital (leverage) ratio | 9.7370% | 3,931 |
| Tier 1 risk-based capital ratio | 22.8070% | 1,128 |
| Total risk-based capital ratio | 23.3086% | 1,219 |
| Memoranda: | ||
| Average total assets | $241,176,800 | 2,606 |
| Average earning assets | $232,137,800 | 2,496 |
| Average equity | $21,683,200 | 2,960 |
| Average total loans | $80,600,400 | 3,921 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8787% | 6,505 |
| Cost of funding earning assets | 0.2761% | 5,919 |
| Net interest margin | 2.6026% | 6,311 |
| Noninterest income to average assets | 0.9508% | 1,600 |
| Noninterest expense to average assets | 2.6543% | 4,183 |
| Loan and lease loss provision to assets | 0.0200% | 4,601 |
| Net operating income to assets | 0.7828% | 3,440 |
| Return on assets (ROA) | 0.8440% | 3,249 |
| Pretax return on assets | 0.8440% | 4,124 |
| Return on Equity (ROE) | 9.1845% | 2,553 |
| Retained earnings to average equity (ytd only) | 0.8537% | 5,637 |
| Net charge-offs to loans | 0.0758% | 3,857 |
| Credit loss provision to net charge-offs | 78.2609% | 2,888 |
| Earnings coverage of net charge-offs (x) | 31.3705% | 1,200 |
| Efficiency ratio | 76.7782% | 2,601 |
| Assets per employee ($millions) | 3.3160% | 5,253 |
| Cash dividends to net income (ytd only)* | 90.7051% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 6,572 |
| Loan loss allowance to noncurrent loans | 106.8493% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 5,864 |
| Noncurrent loans to loans | 0.5527% | 4,816 |
| Net loans and leases to total assets | 34.4280% | 6,344 |
| Net loans and leases to deposits | 38.3102% | 6,434 |
| Net loans and leases to core deposits | 40.8858% | 6,422 |
| Total domestic deposits to total assets | 89.8665% | 1,077 |
| Equity capital to assets | 8.9168% | 5,282 |
| Core capital (leverage) ratio | 9.7913% | 3,968 |
| Tier 1 risk-based capital ratio | 22.9406% | 1,157 |
| Total risk-based capital ratio | 23.4569% | 1,261 |
| Memoranda: | ||
| Average total assets | $239,652,750 | 2,648 |
| Average earning assets | $230,790,500 | 2,526 |
| Average equity | $22,022,000 | 2,961 |
| Average total loans | $80,900,500 | 3,944 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8289% | 6,592 |
| Cost of funding earning assets | 0.2903% | 5,900 |
| Net interest margin | 2.5385% | 6,404 |
| Noninterest income to average assets | 0.9323% | 1,709 |
| Noninterest expense to average assets | 2.5692% | 4,497 |
| Loan and lease loss provision to assets | 0.0123% | 4,633 |
| Net operating income to assets | 0.7950% | 3,319 |
| Return on assets (ROA) | 0.8657% | 3,119 |
| Pretax return on assets | 0.8657% | 4,040 |
| Return on Equity (ROE) | 9.3343% | 2,478 |
| Retained earnings to average equity (ytd only) | -1.5336% | 6,131 |
| Net charge-offs to loans | 0.0712% | 3,693 |
| Credit loss provision to net charge-offs | 51.7241% | 3,179 |
| Earnings coverage of net charge-offs (x) | 33.8621% | 1,047 |
| Efficiency ratio | 76.0896% | 2,775 |
| Assets per employee ($millions) | 3.4747% | 4,905 |
| Cash dividends to net income (ytd only)* | 116.4292% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5745% | 6,641 |
| Loan loss allowance to noncurrent loans | 138.9222% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 6,067 |
| Noncurrent loans to loans | 0.4135% | 5,223 |
| Net loans and leases to total assets | 34.4942% | 6,388 |
| Net loans and leases to deposits | 38.6787% | 6,460 |
| Net loans and leases to core deposits | 41.5707% | 6,420 |
| Total domestic deposits to total assets | 89.1816% | 1,519 |
| Equity capital to assets | 9.3331% | 4,809 |
| Core capital (leverage) ratio | 9.2778% | 4,581 |
| Tier 1 risk-based capital ratio | 21.7833% | 1,331 |
| Total risk-based capital ratio | 22.2766% | 1,464 |
| Memoranda: | ||
| Average total assets | $243,268,670 | 2,624 |
| Average earning assets | $234,228,330 | 2,504 |
| Average equity | $22,562,000 | 2,921 |
| Average total loans | $81,453,670 | 3,940 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7755% | 6,692 |
| Cost of funding earning assets | 0.3010% | 5,961 |
| Net interest margin | 2.4745% | 6,536 |
| Noninterest income to average assets | 0.8563% | 1,908 |
| Noninterest expense to average assets | 2.5513% | 4,563 |
| Loan and lease loss provision to assets | 0.0129% | 4,290 |
| Net operating income to assets | 0.6744% | 3,820 |
| Return on assets (ROA) | 0.7131% | 3,766 |
| Pretax return on assets | 0.7131% | 4,516 |
| Return on Equity (ROE) | 7.7114% | 3,111 |
| Retained earnings to average equity (ytd only) | 1.1663% | 5,382 |
| Net charge-offs to loans | 0.0636% | 3,185 |
| Credit loss provision to net charge-offs | 61.5385% | 2,420 |
| Earnings coverage of net charge-offs (x) | 32.8462% | 919 |
| Efficiency ratio | 78.7773% | 2,491 |
| Assets per employee ($millions) | 3.6048% | 4,775 |
| Cash dividends to net income (ytd only)* | 84.8758% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5683% | 6,740 |
| Loan loss allowance to noncurrent loans | 127.8378% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 6,115 |
| Noncurrent loans to loans | 0.4445% | 5,308 |
| Net loans and leases to total assets | 34.2666% | 6,404 |
| Net loans and leases to deposits | 38.3371% | 6,491 |
| Net loans and leases to core deposits | 41.4362% | 6,420 |
| Total domestic deposits to total assets | 89.3823% | 1,432 |
| Equity capital to assets | 9.4986% | 4,851 |
| Core capital (leverage) ratio | 9.1336% | 4,666 |
| Tier 1 risk-based capital ratio | 20.9802% | 1,544 |
| Total risk-based capital ratio | 21.4587% | 1,691 |
| Memoranda: | ||
| Average total assets | $248,499,500 | 2,597 |
| Average earning assets | $239,237,500 | 2,478 |
| Average equity | $22,979,000 | 2,926 |
| Average total loans | $81,796,000 | 3,963 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0559% | 6,745 |
| Cost of funding earning assets | 0.3726% | 6,092 |
| Net interest margin | 2.6833% | 6,540 |
| Noninterest income to average assets | 0.9272% | 1,780 |
| Noninterest expense to average assets | 2.7182% | 4,337 |
| Loan and lease loss provision to assets | 0.0317% | 5,497 |
| Net operating income to assets | 0.7515% | 3,508 |
| Return on assets (ROA) | 0.8939% | 3,082 |
| Pretax return on assets | 0.8939% | 3,939 |
| Return on Equity (ROE) | 9.5609% | 2,379 |
| Retained earnings to average equity (ytd only) | -0.1848% | 5,882 |
| Net charge-offs to loans | 0.1354% | 4,328 |
| Credit loss provision to net charge-offs | 69.3694% | 4,188 |
| Earnings coverage of net charge-offs (x) | 17.1532% | 1,525 |
| Efficiency ratio | 77.6316% | 2,505 |
| Assets per employee ($millions) | 3.9304% | 4,077 |
| Cash dividends to net income (ytd only)* | 101.9328% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 6,764 |
| Loan loss allowance to noncurrent loans | 113.2701% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 6,146 |
| Noncurrent loans to loans | 0.5251% | 5,219 |
| Net loans and leases to total assets | 31.2669% | 6,653 |
| Net loans and leases to deposits | 34.7155% | 6,721 |
| Net loans and leases to core deposits | 37.5609% | 6,690 |
| Total domestic deposits to total assets | 90.0661% | 915 |
| Equity capital to assets | 9.0094% | 5,511 |
| Core capital (leverage) ratio | 9.3120% | 4,397 |
| Tier 1 risk-based capital ratio | 22.1479% | 1,237 |
| Total risk-based capital ratio | 22.6595% | 1,354 |
| Memoranda: | ||
| Average total assets | $243,100,800 | 2,600 |
| Average earning assets | $233,223,200 | 2,470 |
| Average equity | $22,728,000 | 2,879 |
| Average total loans | $81,953,800 | 3,972 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 6,842 |
| Cost of funding earning assets | 0.3888% | 6,183 |
| Net interest margin | 2.7358% | 6,599 |
| Noninterest income to average assets | 0.9372% | 1,714 |
| Noninterest expense to average assets | 2.7860% | 4,031 |
| Loan and lease loss provision to assets | 0.0328% | 5,368 |
| Net operating income to assets | 0.7416% | 3,731 |
| Return on assets (ROA) | 0.9227% | 3,093 |
| Pretax return on assets | 0.9227% | 4,018 |
| Return on Equity (ROE) | 9.7750% | 2,455 |
| Retained earnings to average equity (ytd only) | -1.7890% | 6,367 |
| Net charge-offs to loans | 0.1473% | 3,930 |
| Credit loss provision to net charge-offs | 64.8352% | 4,033 |
| Earnings coverage of net charge-offs (x) | 15.3187% | 1,772 |
| Efficiency ratio | 78.2493% | 2,364 |
| Assets per employee ($millions) | 3.4661% | 5,046 |
| Cash dividends to net income (ytd only)* | 118.3021% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 6,868 |
| Loan loss allowance to noncurrent loans | 80.5369% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,064 |
| Noncurrent loans to loans | 0.7424% | 4,934 |
| Net loans and leases to total assets | 33.8584% | 6,663 |
| Net loans and leases to deposits | 38.0667% | 6,749 |
| Net loans and leases to core deposits | 41.4277% | 6,688 |
| Total domestic deposits to total assets | 88.9451% | 1,463 |
| Equity capital to assets | 9.6871% | 4,938 |
| Core capital (leverage) ratio | 9.2699% | 4,644 |
| Tier 1 risk-based capital ratio | 22.6180% | 1,236 |
| Total risk-based capital ratio | 23.1487% | 1,324 |
| Memoranda: | ||
| Average total assets | $240,006,500 | 2,653 |
| Average earning assets | $230,129,250 | 2,522 |
| Average equity | $22,655,750 | 2,914 |
| Average total loans | $82,352,750 | 4,011 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 6,894 |
| Cost of funding earning assets | 0.3990% | 6,270 |
| Net interest margin | 2.7704% | 6,622 |
| Noninterest income to average assets | 0.9253% | 1,685 |
| Noninterest expense to average assets | 2.8081% | 3,986 |
| Loan and lease loss provision to assets | 0.0240% | 5,366 |
| Net operating income to assets | 0.7447% | 3,629 |
| Return on assets (ROA) | 0.9128% | 3,110 |
| Pretax return on assets | 0.9128% | 4,030 |
| Return on Equity (ROE) | 9.7535% | 2,464 |
| Retained earnings to average equity (ytd only) | -5.8680% | 6,665 |
| Net charge-offs to loans | 0.1132% | 4,045 |
| Credit loss provision to net charge-offs | 61.7021% | 3,750 |
| Earnings coverage of net charge-offs (x) | 19.7447% | 1,420 |
| Efficiency ratio | 78.5086% | 2,395 |
| Assets per employee ($millions) | 3.3798% | 5,253 |
| Cash dividends to net income (ytd only)* | 160.1633% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6035% | 6,931 |
| Loan loss allowance to noncurrent loans | 87.9004% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 5,714 |
| Noncurrent loans to loans | 0.6866% | 5,134 |
| Net loans and leases to total assets | 34.3878% | 6,708 |
| Net loans and leases to deposits | 38.5309% | 6,781 |
| Net loans and leases to core deposits | 42.2236% | 6,725 |
| Total domestic deposits to total assets | 89.2474% | 1,359 |
| Equity capital to assets | 9.4922% | 5,075 |
| Core capital (leverage) ratio | 9.1387% | 4,706 |
| Tier 1 risk-based capital ratio | 23.0551% | 1,125 |
| Total risk-based capital ratio | 23.6201% | 1,206 |
| Memoranda: | ||
| Average total assets | $241,443,330 | 2,646 |
| Average earning assets | $231,083,670 | 2,512 |
| Average equity | $22,597,000 | 2,904 |
| Average total loans | $83,042,670 | 4,010 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 6,954 |
| Cost of funding earning assets | 0.4167% | 6,333 |
| Net interest margin | 2.7678% | 6,680 |
| Noninterest income to average assets | 0.9120% | 1,697 |
| Noninterest expense to average assets | 2.7965% | 4,048 |
| Loan and lease loss provision to assets | 0.0033% | 5,228 |
| Net operating income to assets | 0.7594% | 3,576 |
| Return on assets (ROA) | 0.8037% | 3,598 |
| Pretax return on assets | 0.8037% | 4,402 |
| Return on Equity (ROE) | 8.6469% | 2,973 |
| Retained earnings to average equity (ytd only) | -3.0882% | 6,408 |
| Net charge-offs to loans | 0.1530% | 3,175 |
| Credit loss provision to net charge-offs | 6.2500% | 3,940 |
| Earnings coverage of net charge-offs (x) | 14.5313% | 1,466 |
| Efficiency ratio | 78.5714% | 2,416 |
| Assets per employee ($millions) | 3.4819% | 5,159 |
| Cash dividends to net income (ytd only)* | 135.7143% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 6,992 |
| Loan loss allowance to noncurrent loans | 73.9264% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 5,710 |
| Noncurrent loans to loans | 0.7960% | 5,082 |
| Net loans and leases to total assets | 33.8904% | 6,751 |
| Net loans and leases to deposits | 37.8752% | 6,825 |
| Net loans and leases to core deposits | 41.4286% | 6,770 |
| Total domestic deposits to total assets | 89.4791% | 1,384 |
| Equity capital to assets | 9.2744% | 5,129 |
| Core capital (leverage) ratio | 9.1738% | 4,561 |
| Tier 1 risk-based capital ratio | 22.9186% | 1,146 |
| Total risk-based capital ratio | 23.4554% | 1,227 |
| Memoranda: | ||
| Average total assets | $243,873,000 | 2,624 |
| Average earning assets | $233,250,500 | 2,511 |
| Average equity | $22,667,000 | 2,886 |
| Average total loans | $83,639,000 | 4,020 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 6,908 |
| Cost of funding earning assets | 0.5041% | 6,510 |
| Net interest margin | 3.1322% | 6,268 |
| Noninterest income to average assets | 1.0069% | 1,353 |
| Noninterest expense to average assets | 2.9824% | 3,657 |
| Loan and lease loss provision to assets | 0.0651% | 5,795 |
| Net operating income to assets | 0.9418% | 2,444 |
| Return on assets (ROA) | 1.2891% | 1,377 |
| Pretax return on assets | 1.2891% | 2,174 |
| Return on Equity (ROE) | 13.3200% | 1,081 |
| Retained earnings to average equity (ytd only) | 4.0853% | 3,283 |
| Net charge-offs to loans | 0.1343% | 5,073 |
| Credit loss provision to net charge-offs | 131.8966% | 2,312 |
| Earnings coverage of net charge-offs (x) | 20.3966% | 1,131 |
| Efficiency ratio | 74.7600% | 3,094 |
| Assets per employee ($millions) | 3.4374% | 5,162 |
| Cash dividends to net income (ytd only)* | 69.3298% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 7,017 |
| Loan loss allowance to noncurrent loans | 72.1127% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 5,788 |
| Noncurrent loans to loans | 0.8316% | 5,025 |
| Net loans and leases to total assets | 34.2884% | 6,855 |
| Net loans and leases to deposits | 38.2632% | 6,939 |
| Net loans and leases to core deposits | 41.7379% | 6,893 |
| Total domestic deposits to total assets | 89.6118% | 1,197 |
| Equity capital to assets | 9.3142% | 5,130 |
| Core capital (leverage) ratio | 9.4750% | 4,067 |
| Tier 1 risk-based capital ratio | 22.3828% | 1,184 |
| Total risk-based capital ratio | 22.9331% | 1,253 |
| Memoranda: | ||
| Average total assets | $234,977,800 | 2,679 |
| Average earning assets | $223,743,000 | 2,569 |
| Average equity | $22,740,200 | 2,812 |
| Average total loans | $86,372,000 | 3,954 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 6,901 |
| Cost of funding earning assets | 0.5265% | 6,596 |
| Net interest margin | 3.2085% | 6,141 |
| Noninterest income to average assets | 1.0231% | 1,288 |
| Noninterest expense to average assets | 3.0243% | 3,464 |
| Loan and lease loss provision to assets | 0.0702% | 5,577 |
| Net operating income to assets | 0.9811% | 2,388 |
| Return on assets (ROA) | 1.4457% | 1,133 |
| Pretax return on assets | 1.4457% | 1,795 |
| Return on Equity (ROE) | 14.7908% | 870 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,926 |
| Net charge-offs to loans | 0.1493% | 4,574 |
| Credit loss provision to net charge-offs | 125.7732% | 2,551 |
| Earnings coverage of net charge-offs (x) | 18.8454% | 1,283 |
| Efficiency ratio | 74.2063% | 3,137 |
| Assets per employee ($millions) | 3.1569% | 5,768 |
| Cash dividends to net income (ytd only)* | 63.6435% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5836% | 7,102 |
| Loan loss allowance to noncurrent loans | 38.9408% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 5,696 |
| Noncurrent loans to loans | 1.4987% | 4,045 |
| Net loans and leases to total assets | 37.4720% | 6,801 |
| Net loans and leases to deposits | 42.3499% | 6,896 |
| Net loans and leases to core deposits | 46.6221% | 6,820 |
| Total domestic deposits to total assets | 88.4819% | 1,770 |
| Equity capital to assets | 10.2039% | 4,077 |
| Core capital (leverage) ratio | 9.7732% | 3,738 |
| Tier 1 risk-based capital ratio | 23.4878% | 1,076 |
| Total risk-based capital ratio | 24.0530% | 1,151 |
| Memoranda: | ||
| Average total assets | $231,849,250 | 2,711 |
| Average earning assets | $220,576,250 | 2,622 |
| Average equity | $22,662,250 | 2,819 |
| Average total loans | $86,621,750 | 3,986 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 6,951 |
| Cost of funding earning assets | 0.5420% | 6,692 |
| Net interest margin | 3.2293% | 6,067 |
| Noninterest income to average assets | 1.0053% | 1,299 |
| Noninterest expense to average assets | 2.9713% | 3,751 |
| Loan and lease loss provision to assets | 0.0720% | 5,411 |
| Net operating income to assets | 1.0310% | 2,101 |
| Return on assets (ROA) | 1.5186% | 913 |
| Pretax return on assets | 1.5186% | 1,476 |
| Return on Equity (ROE) | 15.7614% | 695 |
| Retained earnings to average equity (ytd only) | 3.3088% | 4,154 |
| Net charge-offs to loans | 0.1219% | 4,498 |
| Credit loss provision to net charge-offs | 158.4906% | 1,920 |
| Earnings coverage of net charge-offs (x) | 24.2830% | 1,068 |
| Efficiency ratio | 72.9281% | 3,554 |
| Assets per employee ($millions) | 2.9735% | 6,141 |
| Cash dividends to net income (ytd only)* | 79.0068% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5842% | 7,156 |
| Loan loss allowance to noncurrent loans | 30.4819% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 5,432 |
| Noncurrent loans to loans | 1.9166% | 3,587 |
| Net loans and leases to total assets | 38.1013% | 6,855 |
| Net loans and leases to deposits | 42.9134% | 6,959 |
| Net loans and leases to core deposits | 47.1917% | 6,890 |
| Total domestic deposits to total assets | 88.7865% | 1,676 |
| Equity capital to assets | 10.0771% | 4,049 |
| Core capital (leverage) ratio | 9.4308% | 4,060 |
| Tier 1 risk-based capital ratio | 22.9586% | 1,125 |
| Total risk-based capital ratio | 23.5312% | 1,188 |
| Memoranda: | ||
| Average total assets | $233,367,330 | 2,724 |
| Average earning assets | $221,781,000 | 2,628 |
| Average equity | $22,485,330 | 2,818 |
| Average total loans | $86,938,330 | 4,021 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 7,013 |
| Cost of funding earning assets | 0.5629% | 6,754 |
| Net interest margin | 3.1888% | 6,105 |
| Noninterest income to average assets | 0.9213% | 1,582 |
| Noninterest expense to average assets | 2.9714% | 3,759 |
| Loan and lease loss provision to assets | 0.0607% | 5,239 |
| Net operating income to assets | 0.9095% | 2,513 |
| Return on assets (ROA) | 1.7970% | 517 |
| Pretax return on assets | 1.7970% | 824 |
| Return on Equity (ROE) | 19.0677% | 395 |
| Retained earnings to average equity (ytd only) | 15.4869% | 345 |
| Net charge-offs to loans | 0.1194% | 3,819 |
| Credit loss provision to net charge-offs | 138.4615% | 2,021 |
| Earnings coverage of net charge-offs (x) | 22.1154% | 1,059 |
| Efficiency ratio | 75.3853% | 3,267 |
| Assets per employee ($millions) | 3.1351% | 5,865 |
| Cash dividends to net income (ytd only)* | 18.7793% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 7,241 |
| Loan loss allowance to noncurrent loans | 36.7146% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,824 |
| Noncurrent loans to loans | 1.5360% | 4,165 |
| Net loans and leases to total assets | 36.8621% | 6,962 |
| Net loans and leases to deposits | 41.4575% | 7,042 |
| Net loans and leases to core deposits | 44.8070% | 7,016 |
| Total domestic deposits to total assets | 88.9154% | 1,823 |
| Equity capital to assets | 9.7984% | 4,038 |
| Core capital (leverage) ratio | 9.4928% | 3,820 |
| Tier 1 risk-based capital ratio | 22.4231% | 1,158 |
| Total risk-based capital ratio | 22.9487% | 1,252 |
| Memoranda: | ||
| Average total assets | $237,057,500 | 2,709 |
| Average earning assets | $224,535,000 | 2,608 |
| Average equity | $22,341,500 | 2,822 |
| Average total loans | $87,102,500 | 4,045 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 6,620 |
| Cost of funding earning assets | 0.7521% | 6,727 |
| Net interest margin | 3.6473% | 4,588 |
| Noninterest income to average assets | 1.0194% | 1,443 |
| Noninterest expense to average assets | 3.1074% | 3,422 |
| Loan and lease loss provision to assets | 0.0169% | 6,943 |
| Net operating income to assets | 1.3440% | 1,070 |
| Return on assets (ROA) | 1.4162% | 985 |
| Pretax return on assets | 1.4162% | 1,619 |
| Return on Equity (ROE) | 14.8127% | 742 |
| Retained earnings to average equity (ytd only) | 8.0303% | 970 |
| Net charge-offs to loans | 0.1031% | 5,833 |
| Credit loss provision to net charge-offs | 41.9355% | 6,359 |
| Earnings coverage of net charge-offs (x) | 33.8495% | 668 |
| Efficiency ratio | 69.5433% | 4,275 |
| Assets per employee ($millions) | 3.2282% | 5,601 |
| Cash dividends to net income (ytd only)* | 45.7875% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 7,326 |
| Loan loss allowance to noncurrent loans | 46.2062% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 6,195 |
| Noncurrent loans to loans | 1.1655% | 4,772 |
| Net loans and leases to total assets | 36.2327% | 7,152 |
| Net loans and leases to deposits | 40.4756% | 7,239 |
| Net loans and leases to core deposits | 43.7007% | 7,209 |
| Total domestic deposits to total assets | 89.5175% | 1,376 |
| Equity capital to assets | 9.0662% | 5,050 |
| Core capital (leverage) ratio | 9.2755% | 4,054 |
| Tier 1 risk-based capital ratio | 20.8966% | 1,328 |
| Total risk-based capital ratio | 21.3965% | 1,427 |
| Memoranda: | ||
| Average total assets | $231,320,600 | 2,738 |
| Average earning assets | $218,734,400 | 2,647 |
| Average equity | $22,116,200 | 2,862 |
| Average total loans | $90,208,200 | 4,047 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 6,466 |
| Cost of funding earning assets | 0.7938% | 6,784 |
| Net interest margin | 3.7566% | 4,156 |
| Noninterest income to average assets | 0.9978% | 1,468 |
| Noninterest expense to average assets | 3.1341% | 3,170 |
| Loan and lease loss provision to assets | 0.0076% | 6,945 |
| Net operating income to assets | 1.4107% | 1,083 |
| Return on assets (ROA) | 1.4417% | 1,111 |
| Pretax return on assets | 1.4417% | 1,768 |
| Return on Equity (ROE) | 14.8750% | 884 |
| Retained earnings to average equity (ytd only) | 8.8576% | 1,099 |
| Net charge-offs to loans | 0.0911% | 5,609 |
| Credit loss provision to net charge-offs | 20.9677% | 6,238 |
| Earnings coverage of net charge-offs (x) | 39.2280% | 693 |
| Efficiency ratio | 68.8445% | 4,298 |
| Assets per employee ($millions) | 3.0315% | 6,080 |
| Cash dividends to net income (ytd only)* | 40.4530% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 7,417 |
| Loan loss allowance to noncurrent loans | 47.7137% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 6,289 |
| Noncurrent loans to loans | 1.1338% | 4,969 |
| Net loans and leases to total assets | 39.3371% | 7,115 |
| Net loans and leases to deposits | 44.7370% | 7,213 |
| Net loans and leases to core deposits | 48.4727% | 7,184 |
| Total domestic deposits to total assets | 87.9296% | 2,003 |
| Equity capital to assets | 10.3699% | 3,675 |
| Core capital (leverage) ratio | 9.2476% | 4,280 |
| Tier 1 risk-based capital ratio | 21.5896% | 1,268 |
| Total risk-based capital ratio | 22.1187% | 1,361 |
| Memoranda: | ||
| Average total assets | $228,621,250 | 2,809 |
| Average earning assets | $216,324,250 | 2,709 |
| Average equity | $22,157,500 | 2,903 |
| Average total loans | $90,710,000 | 4,097 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 6,414 |
| Cost of funding earning assets | 0.8164% | 6,861 |
| Net interest margin | 3.7994% | 3,892 |
| Noninterest income to average assets | 0.9893% | 1,406 |
| Noninterest expense to average assets | 3.0845% | 3,376 |
| Loan and lease loss provision to assets | 0.0026% | 6,850 |
| Net operating income to assets | 1.4910% | 926 |
| Return on assets (ROA) | 1.5231% | 929 |
| Pretax return on assets | 1.5231% | 1,496 |
| Return on Equity (ROE) | 16.0815% | 686 |
| Retained earnings to average equity (ytd only) | 6.9026% | 1,882 |
| Net charge-offs to loans | 0.0525% | 5,649 |
| Credit loss provision to net charge-offs | 12.5000% | 5,917 |
| Earnings coverage of net charge-offs (x) | 71.5833% | 440 |
| Efficiency ratio | 67.3756% | 4,697 |
| Assets per employee ($millions) | 3.0187% | 6,110 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 7,455 |
| Loan loss allowance to noncurrent loans | 66.4052% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 6,573 |
| Noncurrent loans to loans | 0.8468% | 5,577 |
| Net loans and leases to total assets | 39.1545% | 7,211 |
| Net loans and leases to deposits | 44.2658% | 7,313 |
| Net loans and leases to core deposits | 47.5520% | 7,301 |
| Total domestic deposits to total assets | 88.4532% | 1,756 |
| Equity capital to assets | 9.6255% | 4,506 |
| Core capital (leverage) ratio | 8.7541% | 5,002 |
| Tier 1 risk-based capital ratio | 20.5404% | 1,422 |
| Total risk-based capital ratio | 21.0900% | 1,507 |
| Memoranda: | ||
| Average total assets | $230,050,670 | 2,811 |
| Average earning assets | $217,299,000 | 2,713 |
| Average equity | $21,789,000 | 2,938 |
| Average total loans | $91,371,330 | 4,117 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 6,369 |
| Cost of funding earning assets | 0.8298% | 7,000 |
| Net interest margin | 3.8328% | 3,656 |
| Noninterest income to average assets | 0.9845% | 1,346 |
| Noninterest expense to average assets | 2.9449% | 3,882 |
| Loan and lease loss provision to assets | 0.0069% | 6,526 |
| Net operating income to assets | 1.6339% | 705 |
| Return on assets (ROA) | 1.6582% | 722 |
| Pretax return on assets | 1.6582% | 1,141 |
| Return on Equity (ROE) | 17.6509% | 546 |
| Retained earnings to average equity (ytd only) | 17.6509% | 258 |
| Net charge-offs to loans | 0.1001% | 4,416 |
| Credit loss provision to net charge-offs | 17.3913% | 4,973 |
| Earnings coverage of net charge-offs (x) | 41.0870% | 671 |
| Efficiency ratio | 64.2181% | 5,453 |
| Assets per employee ($millions) | 2.9766% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5574% | 7,545 |
| Loan loss allowance to noncurrent loans | 61.6687% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 6,564 |
| Noncurrent loans to loans | 0.9039% | 5,506 |
| Net loans and leases to total assets | 40.2185% | 7,240 |
| Net loans and leases to deposits | 45.3331% | 7,355 |
| Net loans and leases to core deposits | 48.6996% | 7,334 |
| Total domestic deposits to total assets | 88.7177% | 1,663 |
| Equity capital to assets | 9.7643% | 4,154 |
| Core capital (leverage) ratio | 9.0011% | 4,568 |
| Tier 1 risk-based capital ratio | 19.7409% | 1,572 |
| Total risk-based capital ratio | 20.2658% | 1,685 |
| Memoranda: | ||
| Average total assets | $230,365,000 | 2,875 |
| Average earning assets | $216,445,500 | 2,787 |
| Average equity | $21,642,000 | 2,987 |
| Average total loans | $91,888,500 | 4,163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 5,541 |
| Cost of funding earning assets | 0.9338% | 7,336 |
| Net interest margin | 4.2895% | 1,746 |
| Noninterest income to average assets | 1.2987% | 889 |
| Noninterest expense to average assets | 3.2044% | 3,367 |
| Loan and lease loss provision to assets | 0.0082% | 7,390 |
| Net operating income to assets | 2.1338% | 172 |
| Return on assets (ROA) | 2.2153% | 153 |
| Pretax return on assets | 2.2153% | 267 |
| Return on Equity (ROE) | 24.7313% | 92 |
| Retained earnings to average equity (ytd only) | 14.5643% | 104 |
| Net charge-offs to loans | 0.0920% | 6,207 |
| Credit loss provision to net charge-offs | 21.1765% | 6,935 |
| Earnings coverage of net charge-offs (x) | 55.3412% | 479 |
| Efficiency ratio | 59.9353% | 6,503 |
| Assets per employee ($millions) | 3.0856% | 6,021 |
| Cash dividends to net income (ytd only)* | 41.1100% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 7,593 |
| Loan loss allowance to noncurrent loans | 60.5263% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 6,516 |
| Noncurrent loans to loans | 0.9471% | 5,418 |
| Net loans and leases to total assets | 39.1266% | 7,396 |
| Net loans and leases to deposits | 43.9838% | 7,518 |
| Net loans and leases to core deposits | 51.1643% | 7,554 |
| Total domestic deposits to total assets | 88.9569% | 1,499 |
| Equity capital to assets | 9.0381% | 5,078 |
| Core capital (leverage) ratio | 8.7522% | 4,835 |
| Tier 1 risk-based capital ratio | 19.7440% | 1,504 |
| Total risk-based capital ratio | 20.3138% | 1,606 |
| Memoranda: | ||
| Average total assets | $219,605,400 | 2,946 |
| Average earning assets | $207,228,800 | 2,868 |
| Average equity | $19,671,400 | 3,253 |
| Average total loans | $92,342,000 | 4,149 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 5,335 |
| Cost of funding earning assets | 0.9581% | 7,470 |
| Net interest margin | 4.3583% | 1,568 |
| Noninterest income to average assets | 1.4063% | 767 |
| Noninterest expense to average assets | 3.2431% | 3,145 |
| Loan and lease loss provision to assets | 0.0074% | 7,244 |
| Net operating income to assets | 2.2771% | 155 |
| Return on assets (ROA) | 2.3877% | 139 |
| Pretax return on assets | 2.3877% | 237 |
| Return on Equity (ROE) | 26.7206% | 92 |
| Retained earnings to average equity (ytd only) | 19.8089% | 70 |
| Net charge-offs to loans | 0.0679% | 6,013 |
| Credit loss provision to net charge-offs | 25.5319% | 6,531 |
| Earnings coverage of net charge-offs (x) | 78.6960% | 429 |
| Efficiency ratio | 58.6704% | 6,618 |
| Assets per employee ($millions) | 2.8853% | 6,449 |
| Cash dividends to net income (ytd only)* | 25.8665% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 7,578 |
| Loan loss allowance to noncurrent loans | 301.6129% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 7,336 |
| Noncurrent loans to loans | 0.1993% | 7,001 |
| Net loans and leases to total assets | 42.3063% | 7,341 |
| Net loans and leases to deposits | 49.3248% | 7,441 |
| Net loans and leases to core deposits | 56.7275% | 7,523 |
| Total domestic deposits to total assets | 85.7710% | 2,819 |
| Equity capital to assets | 9.7563% | 4,411 |
| Core capital (leverage) ratio | 8.9008% | 4,811 |
| Tier 1 risk-based capital ratio | 20.0320% | 1,551 |
| Total risk-based capital ratio | 20.6428% | 1,631 |
| Memoranda: | ||
| Average total assets | $215,879,750 | 3,015 |
| Average earning assets | $204,143,750 | 2,930 |
| Average equity | $19,290,500 | 3,344 |
| Average total loans | $92,356,500 | 4,190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 5,427 |
| Cost of funding earning assets | 0.9699% | 7,599 |
| Net interest margin | 4.3736% | 1,464 |
| Noninterest income to average assets | 1.5823% | 598 |
| Noninterest expense to average assets | 3.2541% | 3,139 |
| Loan and lease loss provision to assets | 0.0037% | 7,140 |
| Net operating income to assets | 2.4485% | 118 |
| Return on assets (ROA) | 2.6115% | 102 |
| Pretax return on assets | 2.6115% | 171 |
| Return on Equity (ROE) | 30.1678% | 71 |
| Retained earnings to average equity (ytd only) | 30.1678% | 33 |
| Net charge-offs to loans | 0.0869% | 5,336 |
| Credit loss provision to net charge-offs | 10.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | 65.8250% | 554 |
| Efficiency ratio | 57.0263% | 6,983 |
| Assets per employee ($millions) | 2.8984% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6113% | 7,616 |
| Loan loss allowance to noncurrent loans | 373.3333% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 7,409 |
| Noncurrent loans to loans | 0.1637% | 7,116 |
| Net loans and leases to total assets | 42.4525% | 7,421 |
| Net loans and leases to deposits | 49.0616% | 7,520 |
| Net loans and leases to core deposits | 55.8303% | 7,602 |
| Total domestic deposits to total assets | 86.5289% | 2,497 |
| Equity capital to assets | 9.5197% | 4,588 |
| Core capital (leverage) ratio | 8.9793% | 4,667 |
| Tier 1 risk-based capital ratio | 20.2610% | 1,524 |
| Total risk-based capital ratio | 20.8798% | 1,607 |
| Memoranda: | ||
| Average total assets | $214,745,000 | 3,046 |
| Average earning assets | $202,488,670 | 2,972 |
| Average equity | $18,589,330 | 3,452 |
| Average total loans | $92,031,330 | 4,228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 5,364 |
| Cost of funding earning assets | 0.9891% | 7,685 |
| Net interest margin | 4.4221% | 1,295 |
| Noninterest income to average assets | 1.1020% | 1,230 |
| Noninterest expense to average assets | 3.1869% | 3,048 |
| Loan and lease loss provision to assets | 0.0037% | 6,732 |
| Net operating income to assets | 2.0644% | 311 |
| Return on assets (ROA) | 2.1296% | 307 |
| Pretax return on assets | 2.1296% | 509 |
| Return on Equity (ROE) | 25.8897% | 167 |
| Retained earnings to average equity (ytd only) | 25.8897% | 72 |
| Net charge-offs to loans | 0.0607% | 4,611 |
| Credit loss provision to net charge-offs | 14.2857% | 5,147 |
| Earnings coverage of net charge-offs (x) | 79.3571% | 526 |
| Efficiency ratio | 60.6447% | 6,301 |
| Assets per employee ($millions) | 2.9617% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 7,600 |
| Loan loss allowance to noncurrent loans | 245.3782% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 7,267 |
| Noncurrent loans to loans | 0.2582% | 6,791 |
| Net loans and leases to total assets | 41.2351% | 7,512 |
| Net loans and leases to deposits | 46.7299% | 7,637 |
| Net loans and leases to core deposits | 52.6321% | 7,714 |
| Total domestic deposits to total assets | 88.2413% | 1,618 |
| Equity capital to assets | 8.4601% | 6,139 |
| Core capital (leverage) ratio | 8.0791% | 6,330 |
| Tier 1 risk-based capital ratio | 18.2463% | 1,990 |
| Total risk-based capital ratio | 18.8800% | 2,090 |
| Memoranda: | ||
| Average total assets | $214,876,500 | 3,053 |
| Average earning assets | $201,806,000 | 2,994 |
| Average equity | $17,675,000 | 3,609 |
| Average total loans | $92,240,500 | 4,255 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8694% | 6,185 |
| Cost of funding earning assets | 1.4339% | 7,703 |
| Net interest margin | 4.4355% | 1,574 |
| Noninterest income to average assets | 1.3305% | 817 |
| Noninterest expense to average assets | 3.4436% | 2,545 |
| Loan and lease loss provision to assets | 0.0088% | 7,262 |
| Net operating income to assets | 1.9399% | 402 |
| Return on assets (ROA) | 2.0775% | 285 |
| Pretax return on assets | 2.0775% | 512 |
| Return on Equity (ROE) | 25.6130% | 124 |
| Retained earnings to average equity (ytd only) | 11.6307% | 257 |
| Net charge-offs to loans | -0.0022% | 7,749 |
| Credit loss provision to net charge-offs | -850.0000% | 7,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8623% | 5,589 |
| Assets per employee ($millions) | 2.7684% | 6,642 |
| Cash dividends to net income (ytd only)* | 54.5906% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6457% | 7,560 |
| Loan loss allowance to noncurrent loans | 293.5961% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 7,187 |
| Noncurrent loans to loans | 0.2199% | 6,731 |
| Net loans and leases to total assets | 44.1692% | 7,456 |
| Net loans and leases to deposits | 49.5063% | 7,649 |
| Net loans and leases to core deposits | 54.9858% | 7,767 |
| Total domestic deposits to total assets | 89.2192% | 953 |
| Equity capital to assets | 7.9748% | 6,883 |
| Core capital (leverage) ratio | 8.3227% | 5,910 |
| Tier 1 risk-based capital ratio | 17.6445% | 2,136 |
| Total risk-based capital ratio | 18.3120% | 2,243 |
| Memoranda: | ||
| Average total assets | $193,982,200 | 3,211 |
| Average earning assets | $177,633,200 | 3,213 |
| Average equity | $15,734,200 | 3,986 |
| Average total loans | $90,798,400 | 4,202 |