Home > Commercial Bank & Trust Company > Performance and Condition Ratios
Commercial Bank & Trust Company, 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 | 4.6693% | 2,745 |
| Cost of funding earning assets | 1.7727% | 1,300 |
| Net interest margin | 2.8967% | 3,498 |
| Noninterest income to average assets | 1.7100% | 322 |
| Noninterest expense to average assets | 2.5608% | 2,122 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 1.5748% | 901 |
| Return on assets (ROA) | 1.5748% | 869 |
| Pretax return on assets | 1.5748% | 1,285 |
| Return on Equity (ROE) | 39.5600% | 87 |
| Retained earnings to average equity (ytd only) | 14.1742% | 385 |
| Net charge-offs to loans | 0.3227% | 339 |
| Credit loss provision to net charge-offs | 167.6892% | 1,363 |
| Earnings coverage of net charge-offs (x) | 9.6953% | 2,275 |
| Efficiency ratio | 57.3536% | 3,360 |
| Assets per employee ($millions) | 6.1785% | 2,669 |
| Cash dividends to net income (ytd only)* | 64.1673% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 2,782 |
| Loan loss allowance to noncurrent loans | 91.5789% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 658 |
| Noncurrent loans to loans | 1.2119% | 589 |
| Net loans and leases to total assets | 61.2000% | 2,741 |
| Net loans and leases to deposits | 67.6233% | 3,062 |
| Net loans and leases to core deposits | 91.1963% | 1,970 |
| Total domestic deposits to total assets | 90.5100% | 628 |
| Equity capital to assets | 4.5192% | 4,468 |
| Core capital (leverage) ratio | 10.2427% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $248,986,000 | 2,686 |
| Average earning assets | $236,928,600 | 2,645 |
| Average equity | $9,912,400 | 3,732 |
| Average total loans | $151,530,800 | 2,662 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 2,750 |
| Cost of funding earning assets | 1.5865% | 1,396 |
| Net interest margin | 2.9847% | 3,365 |
| Noninterest income to average assets | 1.9000% | 298 |
| Noninterest expense to average assets | 2.4692% | 2,318 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 1.8426% | 606 |
| Return on assets (ROA) | 1.8426% | 596 |
| Pretax return on assets | 1.8426% | 936 |
| Return on Equity (ROE) | 47.9400% | 75 |
| Retained earnings to average equity (ytd only) | 35.4856% | 57 |
| Net charge-offs to loans | 0.2050% | 431 |
| Credit loss provision to net charge-offs | 341.9913% | 811 |
| Earnings coverage of net charge-offs (x) | 18.2511% | 1,869 |
| Efficiency ratio | 52.1290% | 3,748 |
| Assets per employee ($millions) | 6.1950% | 2,568 |
| Cash dividends to net income (ytd only)* | 25.9778% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 1,991 |
| Loan loss allowance to noncurrent loans | 128.9836% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 933 |
| Noncurrent loans to loans | 0.9881% | 823 |
| Net loans and leases to total assets | 61.4900% | 2,703 |
| Net loans and leases to deposits | 66.0997% | 3,120 |
| Net loans and leases to core deposits | 87.3531% | 2,103 |
| Total domestic deposits to total assets | 93.0300% | 292 |
| Equity capital to assets | 3.7320% | 4,429 |
| Core capital (leverage) ratio | 10.7064% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $247,902,750 | 2,700 |
| Average earning assets | $235,820,000 | 2,660 |
| Average equity | $9,528,500 | 3,767 |
| Average total loans | $150,218,000 | 2,679 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 2,828 |
| Cost of funding earning assets | 1.3493% | 1,583 |
| Net interest margin | 3.0744% | 3,273 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.5264% | 2,130 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7607% | 3,193 |
| Return on assets (ROA) | 0.7607% | 3,212 |
| Pretax return on assets | 0.7607% | 3,488 |
| Return on Equity (ROE) | 19.6000% | 756 |
| Retained earnings to average equity (ytd only) | 10.0395% | 1,391 |
| Net charge-offs to loans | 0.0107% | 1,801 |
| Credit loss provision to net charge-offs | 750.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 125.3750% | 826 |
| Efficiency ratio | 75.7437% | 1,195 |
| Assets per employee ($millions) | 6.2657% | 2,494 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 3,563 |
| Loan loss allowance to noncurrent loans | 156.7132% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 1,328 |
| Noncurrent loans to loans | 0.6141% | 1,216 |
| Net loans and leases to total assets | 59.9100% | 2,778 |
| Net loans and leases to deposits | 64.9226% | 3,130 |
| Net loans and leases to core deposits | 85.1827% | 2,136 |
| Total domestic deposits to total assets | 92.2800% | 364 |
| Equity capital to assets | 3.6237% | 4,533 |
| Core capital (leverage) ratio | 9.8786% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $247,937,000 | 2,700 |
| Average earning assets | $235,820,333 | 2,673 |
| Average equity | $9,622,000 | 3,784 |
| Average total loans | $148,842,667 | 2,686 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 2,866 |
| Cost of funding earning assets | 1.1672% | 1,545 |
| Net interest margin | 3.1073% | 3,331 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3553% | 2,653 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0706% | 2,320 |
| Return on assets (ROA) | 1.0706% | 2,290 |
| Pretax return on assets | 1.0706% | 2,797 |
| Return on Equity (ROE) | 26.6900% | 331 |
| Retained earnings to average equity (ytd only) | 26.6882% | 147 |
| Net charge-offs to loans | 0.0597% | 778 |
| Credit loss provision to net charge-offs | 136.3636% | 984 |
| Earnings coverage of net charge-offs (x) | 31.3636% | 1,285 |
| Efficiency ratio | 67.7871% | 1,995 |
| Assets per employee ($millions) | 6.0235% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 3,722 |
| Loan loss allowance to noncurrent loans | 141.3174% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 1,175 |
| Noncurrent loans to loans | 0.6710% | 1,125 |
| Net loans and leases to total assets | 59.8900% | 2,663 |
| Net loans and leases to deposits | 63.4822% | 3,132 |
| Net loans and leases to core deposits | 86.6187% | 1,830 |
| Total domestic deposits to total assets | 94.3400% | 143 |
| Equity capital to assets | 4.2253% | 4,525 |
| Core capital (leverage) ratio | 9.9622% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $246,591,000 | 2,742 |
| Average earning assets | $234,414,000 | 2,709 |
| Average equity | $9,892,000 | 3,799 |
| Average total loans | $147,457,000 | 2,727 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 1,876 |
| Cost of funding earning assets | 0.5672% | 1,033 |
| Net interest margin | 3.3778% | 2,324 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.3743% | 2,498 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3792% | 1,177 |
| Return on assets (ROA) | 1.3792% | 1,136 |
| Pretax return on assets | 1.3792% | 1,825 |
| Return on Equity (ROE) | 25.6800% | 186 |
| Retained earnings to average equity (ytd only) | 6.7062% | 2,361 |
| Net charge-offs to loans | 0.0265% | 1,528 |
| Credit loss provision to net charge-offs | 324.3243% | 879 |
| Earnings coverage of net charge-offs (x) | 96.5946% | 987 |
| Efficiency ratio | 62.4580% | 2,703 |
| Assets per employee ($millions) | 6.3133% | 2,500 |
| Cash dividends to net income (ytd only)* | 73.8854% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,526 |
| Loan loss allowance to noncurrent loans | 159.2760% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,297 |
| Noncurrent loans to loans | 0.6072% | 1,232 |
| Net loans and leases to total assets | 58.5600% | 2,770 |
| Net loans and leases to deposits | 61.9416% | 3,203 |
| Net loans and leases to core deposits | 75.6980% | 2,446 |
| Total domestic deposits to total assets | 94.5400% | 190 |
| Equity capital to assets | 3.7970% | 4,542 |
| Core capital (leverage) ratio | 9.6990% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $250,435,400 | 2,730 |
| Average earning assets | $238,704,200 | 2,678 |
| Average equity | $13,450,200 | 3,530 |
| Average total loans | $139,467,200 | 2,732 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 1,555 |
| Cost of funding earning assets | 0.5193% | 683 |
| Net interest margin | 3.3492% | 2,142 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.3709% | 2,414 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3917% | 1,116 |
| Return on assets (ROA) | 1.3917% | 1,085 |
| Pretax return on assets | 1.3917% | 1,738 |
| Return on Equity (ROE) | 24.1800% | 214 |
| Retained earnings to average equity (ytd only) | 12.5358% | 686 |
| Net charge-offs to loans | 0.0503% | 977 |
| Credit loss provision to net charge-offs | 173.0769% | 1,053 |
| Earnings coverage of net charge-offs (x) | 52.2115% | 1,261 |
| Efficiency ratio | 62.2235% | 2,801 |
| Assets per employee ($millions) | 5.7521% | 2,986 |
| Cash dividends to net income (ytd only)* | 48.1524% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 3,624 |
| Loan loss allowance to noncurrent loans | 227.9264% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 1,841 |
| Noncurrent loans to loans | 0.4247% | 1,750 |
| Net loans and leases to total assets | 56.3800% | 2,866 |
| Net loans and leases to deposits | 61.1511% | 3,098 |
| Net loans and leases to core deposits | 73.4839% | 2,387 |
| Total domestic deposits to total assets | 92.2000% | 817 |
| Equity capital to assets | 3.6553% | 4,526 |
| Core capital (leverage) ratio | 9.8102% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $251,489,750 | 2,744 |
| Average earning assets | $239,812,500 | 2,685 |
| Average equity | $14,475,500 | 3,464 |
| Average total loans | $137,937,250 | 2,752 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 1,280 |
| Cost of funding earning assets | 0.5213% | 458 |
| Net interest margin | 3.2942% | 1,929 |
| Noninterest income to average assets | 0.6818% | 1,423 |
| Noninterest expense to average assets | 2.4392% | 2,116 |
| Loan and lease loss provision to assets | 0.0475% | 1,715 |
| Net operating income to assets | 1.3390% | 1,050 |
| Return on assets (ROA) | 1.3390% | 1,030 |
| Pretax return on assets | 1.3390% | 1,616 |
| Return on Equity (ROE) | 20.7896% | 258 |
| Retained earnings to average equity (ytd only) | 13.1270% | 451 |
| Net charge-offs to loans | 0.0613% | 788 |
| Credit loss provision to net charge-offs | 142.8571% | 1,111 |
| Earnings coverage of net charge-offs (x) | 41.7381% | 1,238 |
| Efficiency ratio | 63.7585% | 2,798 |
| Assets per employee ($millions) | 5.8326% | 2,891 |
| Cash dividends to net income (ytd only)* | 36.8576% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,711 |
| Loan loss allowance to noncurrent loans | 156.5268% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,425 |
| Noncurrent loans to loans | 0.6221% | 1,363 |
| Net loans and leases to total assets | 55.7531% | 2,782 |
| Net loans and leases to deposits | 58.2543% | 3,202 |
| Net loans and leases to core deposits | 70.1319% | 2,481 |
| Total domestic deposits to total assets | 95.7064% | 97 |
| Equity capital to assets | 4.1793% | 4,605 |
| Core capital (leverage) ratio | 9.5656% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,872,667 | 2,759 |
| Average earning assets | $241,336,667 | 2,712 |
| Average equity | $16,287,000 | 3,382 |
| Average total loans | $136,979,000 | 2,774 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 1,213 |
| Cost of funding earning assets | 0.5186% | 452 |
| Net interest margin | 3.2144% | 1,836 |
| Noninterest income to average assets | 0.5482% | 1,910 |
| Noninterest expense to average assets | 2.2739% | 2,599 |
| Loan and lease loss provision to assets | 0.0467% | 1,527 |
| Net operating income to assets | 1.2974% | 1,008 |
| Return on assets (ROA) | 1.2974% | 1,000 |
| Pretax return on assets | 1.2974% | 1,516 |
| Return on Equity (ROE) | 17.2540% | 396 |
| Retained earnings to average equity (ytd only) | 17.2540% | 168 |
| Net charge-offs to loans | 0.0117% | 1,333 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 215.7500% | 410 |
| Efficiency ratio | 62.8498% | 3,161 |
| Assets per employee ($millions) | 6.2427% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 3,786 |
| Loan loss allowance to noncurrent loans | 1,351.0000% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,208 |
| Noncurrent loans to loans | 0.0729% | 3,485 |
| Net loans and leases to total assets | 53.0346% | 2,872 |
| Net loans and leases to deposits | 56.8114% | 3,188 |
| Net loans and leases to core deposits | 70.3835% | 2,259 |
| Total domestic deposits to total assets | 93.3519% | 192 |
| Equity capital to assets | 6.5653% | 4,403 |
| Core capital (leverage) ratio | 9.3768% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,823,500 | 2,742 |
| Average earning assets | $245,271,500 | 2,708 |
| Average equity | $19,311,500 | 3,209 |
| Average total loans | $136,507,500 | 2,776 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 1,631 |
| Cost of funding earning assets | 0.6017% | 535 |
| Net interest margin | 3.2915% | 2,337 |
| Noninterest income to average assets | 1.3391% | 602 |
| Noninterest expense to average assets | 2.3746% | 2,572 |
| Loan and lease loss provision to assets | 0.1582% | 752 |
| Net operating income to assets | 1.9488% | 376 |
| Return on assets (ROA) | 1.9488% | 399 |
| Pretax return on assets | 1.9488% | 671 |
| Return on Equity (ROE) | 21.1226% | 257 |
| Retained earnings to average equity (ytd only) | 5.3621% | 2,639 |
| Net charge-offs to loans | 0.1075% | 820 |
| Credit loss provision to net charge-offs | 272.4138% | 1,123 |
| Earnings coverage of net charge-offs (x) | 36.2759% | 1,490 |
| Efficiency ratio | 52.9853% | 4,036 |
| Assets per employee ($millions) | 6.2852% | 2,498 |
| Cash dividends to net income (ytd only)* | 74.6146% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 3,858 |
| Loan loss allowance to noncurrent loans | 980.7407% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 3,213 |
| Noncurrent loans to loans | 0.0993% | 3,434 |
| Net loans and leases to total assets | 52.2311% | 3,035 |
| Net loans and leases to deposits | 57.1081% | 3,327 |
| Net loans and leases to core deposits | 69.0889% | 2,539 |
| Total domestic deposits to total assets | 91.4601% | 325 |
| Equity capital to assets | 8.4670% | 4,069 |
| Core capital (leverage) ratio | 9.2660% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,646,200 | 2,735 |
| Average earning assets | $238,339,400 | 2,686 |
| Average equity | $23,032,200 | 2,980 |
| Average total loans | $134,830,400 | 2,785 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 1,694 |
| Cost of funding earning assets | 0.6200% | 576 |
| Net interest margin | 3.3052% | 2,402 |
| Noninterest income to average assets | 1.5948% | 493 |
| Noninterest expense to average assets | 2.3572% | 2,575 |
| Loan and lease loss provision to assets | 0.0888% | 1,342 |
| Net operating income to assets | 2.3033% | 272 |
| Return on assets (ROA) | 2.3033% | 286 |
| Pretax return on assets | 2.3033% | 464 |
| Return on Equity (ROE) | 24.4428% | 190 |
| Retained earnings to average equity (ytd only) | 17.8150% | 203 |
| Net charge-offs to loans | 0.1159% | 667 |
| Credit loss provision to net charge-offs | 141.0256% | 1,386 |
| Earnings coverage of net charge-offs (x) | 37.9744% | 1,402 |
| Efficiency ratio | 49.6316% | 4,254 |
| Assets per employee ($millions) | 6.3749% | 2,352 |
| Cash dividends to net income (ytd only)* | 27.1155% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,276 |
| Loan loss allowance to noncurrent loans | 477.8723% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,671 |
| Noncurrent loans to loans | 0.1778% | 3,242 |
| Net loans and leases to total assets | 51.3942% | 3,256 |
| Net loans and leases to deposits | 57.0642% | 3,485 |
| Net loans and leases to core deposits | 67.7751% | 2,799 |
| Total domestic deposits to total assets | 90.0637% | 748 |
| Equity capital to assets | 9.8430% | 3,063 |
| Core capital (leverage) ratio | 10.1677% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,634,000 | 2,764 |
| Average earning assets | $236,346,000 | 2,724 |
| Average equity | $23,335,500 | 2,992 |
| Average total loans | $134,557,750 | 2,830 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 1,754 |
| Cost of funding earning assets | 0.6440% | 593 |
| Net interest margin | 3.2826% | 2,503 |
| Noninterest income to average assets | 0.5767% | 2,309 |
| Noninterest expense to average assets | 2.3297% | 2,676 |
| Loan and lease loss provision to assets | 0.1101% | 1,148 |
| Net operating income to assets | 1.2717% | 1,945 |
| Return on assets (ROA) | 1.2717% | 2,020 |
| Pretax return on assets | 1.2717% | 2,703 |
| Return on Equity (ROE) | 13.7069% | 1,503 |
| Retained earnings to average equity (ytd only) | 8.7833% | 1,786 |
| Net charge-offs to loans | 0.2039% | 422 |
| Credit loss provision to net charge-offs | 97.8261% | 1,400 |
| Earnings coverage of net charge-offs (x) | 12.2754% | 1,730 |
| Efficiency ratio | 62.7692% | 2,617 |
| Assets per employee ($millions) | 6.3399% | 2,296 |
| Cash dividends to net income (ytd only)* | 35.9205% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,356 |
| Loan loss allowance to noncurrent loans | 776.8116% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 2,410 |
| Noncurrent loans to loans | 0.1038% | 3,666 |
| Net loans and leases to total assets | 53.3115% | 3,221 |
| Net loans and leases to deposits | 58.8653% | 3,470 |
| Net loans and leases to core deposits | 70.0100% | 2,783 |
| Total domestic deposits to total assets | 90.5653% | 532 |
| Equity capital to assets | 9.3315% | 3,481 |
| Core capital (leverage) ratio | 9.3825% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,180,667 | 2,772 |
| Average earning assets | $234,144,000 | 2,730 |
| Average equity | $22,747,667 | 3,035 |
| Average total loans | $135,352,000 | 2,828 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 1,830 |
| Cost of funding earning assets | 0.6685% | 622 |
| Net interest margin | 3.2312% | 2,600 |
| Noninterest income to average assets | 0.5308% | 2,478 |
| Noninterest expense to average assets | 2.2888% | 2,827 |
| Loan and lease loss provision to assets | 0.0983% | 1,370 |
| Net operating income to assets | 1.2321% | 2,040 |
| Return on assets (ROA) | 1.2321% | 2,123 |
| Pretax return on assets | 1.2321% | 2,754 |
| Return on Equity (ROE) | 13.3186% | 1,590 |
| Retained earnings to average equity (ytd only) | 13.3186% | 856 |
| Net charge-offs to loans | 0.2899% | 292 |
| Credit loss provision to net charge-offs | 60.6061% | 1,272 |
| Earnings coverage of net charge-offs (x) | 8.2020% | 1,586 |
| Efficiency ratio | 63.2413% | 2,570 |
| Assets per employee ($millions) | 6.1998% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,470 |
| Loan loss allowance to noncurrent loans | 165.4952% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 2,050 |
| Noncurrent loans to loans | 0.4615% | 2,469 |
| Net loans and leases to total assets | 54.2838% | 3,216 |
| Net loans and leases to deposits | 59.7966% | 3,504 |
| Net loans and leases to core deposits | 70.8866% | 2,793 |
| Total domestic deposits to total assets | 90.7808% | 481 |
| Equity capital to assets | 9.1212% | 3,570 |
| Core capital (leverage) ratio | 9.4067% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,142,000 | 2,765 |
| Average earning assets | $233,346,500 | 2,720 |
| Average equity | $22,585,000 | 3,033 |
| Average total loans | $136,583,500 | 2,821 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 1,472 |
| Cost of funding earning assets | 0.9657% | 679 |
| Net interest margin | 3.4720% | 2,555 |
| Noninterest income to average assets | 0.4370% | 2,927 |
| Noninterest expense to average assets | 2.4908% | 2,878 |
| Loan and lease loss provision to assets | 0.0791% | 3,389 |
| Net operating income to assets | 1.1751% | 1,632 |
| Return on assets (ROA) | 1.1751% | 1,745 |
| Pretax return on assets | 1.1751% | 2,415 |
| Return on Equity (ROE) | 12.0032% | 1,319 |
| Retained earnings to average equity (ytd only) | 3.0132% | 3,342 |
| Net charge-offs to loans | 0.1241% | 1,258 |
| Credit loss provision to net charge-offs | 111.1111% | 2,715 |
| Earnings coverage of net charge-offs (x) | 17.6111% | 2,069 |
| Efficiency ratio | 66.5102% | 2,447 |
| Assets per employee ($millions) | 5.8608% | 2,484 |
| Cash dividends to net income (ytd only)* | 74.8971% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 4,458 |
| Loan loss allowance to noncurrent loans | 108.9159% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 1,733 |
| Noncurrent loans to loans | 0.7178% | 1,905 |
| Net loans and leases to total assets | 56.7795% | 3,224 |
| Net loans and leases to deposits | 62.7260% | 3,546 |
| Net loans and leases to core deposits | 75.7582% | 2,749 |
| Total domestic deposits to total assets | 90.5198% | 369 |
| Equity capital to assets | 9.3845% | 3,711 |
| Core capital (leverage) ratio | 9.5100% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,479,400 | 2,744 |
| Average earning assets | $216,734,400 | 2,695 |
| Average equity | $22,269,000 | 2,989 |
| Average total loans | $130,558,200 | 2,861 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 1,616 |
| Cost of funding earning assets | 1.0290% | 692 |
| Net interest margin | 3.4546% | 2,739 |
| Noninterest income to average assets | 0.4334% | 2,922 |
| Noninterest expense to average assets | 2.4838% | 2,895 |
| Loan and lease loss provision to assets | 0.0771% | 3,358 |
| Net operating income to assets | 1.1616% | 1,777 |
| Return on assets (ROA) | 1.1616% | 1,895 |
| Pretax return on assets | 1.1616% | 2,521 |
| Return on Equity (ROE) | 11.7361% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.3065% | 1,971 |
| Net charge-offs to loans | 0.1294% | 1,105 |
| Credit loss provision to net charge-offs | 104.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 16.6720% | 2,050 |
| Efficiency ratio | 66.7199% | 2,366 |
| Assets per employee ($millions) | 5.7189% | 2,525 |
| Cash dividends to net income (ytd only)* | 46.2641% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,389 |
| Loan loss allowance to noncurrent loans | 102.0173% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 1,684 |
| Noncurrent loans to loans | 0.7706% | 1,889 |
| Net loans and leases to total assets | 57.1628% | 3,505 |
| Net loans and leases to deposits | 63.4551% | 3,831 |
| Net loans and leases to core deposits | 76.4021% | 3,138 |
| Total domestic deposits to total assets | 90.0838% | 396 |
| Equity capital to assets | 9.7895% | 3,438 |
| Core capital (leverage) ratio | 9.8285% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,276,500 | 2,739 |
| Average earning assets | $213,543,250 | 2,706 |
| Average equity | $22,198,750 | 2,989 |
| Average total loans | $128,820,000 | 2,883 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 1,889 |
| Cost of funding earning assets | 1.0976% | 723 |
| Net interest margin | 3.4108% | 3,067 |
| Noninterest income to average assets | 0.4437% | 2,835 |
| Noninterest expense to average assets | 2.5281% | 2,892 |
| Loan and lease loss provision to assets | 0.0634% | 3,502 |
| Net operating income to assets | 1.0993% | 1,969 |
| Return on assets (ROA) | 1.0993% | 2,087 |
| Pretax return on assets | 1.0993% | 2,711 |
| Return on Equity (ROE) | 11.0630% | 1,610 |
| Retained earnings to average equity (ytd only) | 7.2721% | 1,549 |
| Net charge-offs to loans | 0.1121% | 1,176 |
| Credit loss provision to net charge-offs | 98.5915% | 2,423 |
| Earnings coverage of net charge-offs (x) | 18.0845% | 1,783 |
| Efficiency ratio | 68.4985% | 2,170 |
| Assets per employee ($millions) | 6.2831% | 1,965 |
| Cash dividends to net income (ytd only)* | 34.2669% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 4,354 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 2,253 |
| Noncurrent loans to loans | 0.5467% | 2,530 |
| Net loans and leases to total assets | 53.7645% | 3,892 |
| Net loans and leases to deposits | 59.3201% | 4,148 |
| Net loans and leases to core deposits | 70.6391% | 3,659 |
| Total domestic deposits to total assets | 90.6346% | 245 |
| Equity capital to assets | 9.2222% | 3,907 |
| Core capital (leverage) ratio | 9.9405% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,876,667 | 2,749 |
| Average earning assets | $210,276,000 | 2,709 |
| Average equity | $21,947,000 | 2,994 |
| Average total loans | $126,728,333 | 2,895 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,697 |
| Cost of funding earning assets | 1.2115% | 744 |
| Net interest margin | 3.4931% | 3,007 |
| Noninterest income to average assets | 0.4445% | 2,818 |
| Noninterest expense to average assets | 2.6303% | 2,892 |
| Loan and lease loss provision to assets | 0.0575% | 3,045 |
| Net operating income to assets | 1.0709% | 1,934 |
| Return on assets (ROA) | 1.0709% | 2,037 |
| Pretax return on assets | 1.0709% | 2,610 |
| Return on Equity (ROE) | 10.3416% | 1,630 |
| Retained earnings to average equity (ytd only) | 10.3416% | 678 |
| Net charge-offs to loans | 0.2005% | 688 |
| Credit loss provision to net charge-offs | 48.3871% | 2,066 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,817 |
| Efficiency ratio | 69.9796% | 2,354 |
| Assets per employee ($millions) | 5.5694% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 4,339 |
| Loan loss allowance to noncurrent loans | 70.9834% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 1,266 |
| Noncurrent loans to loans | 1.1661% | 1,416 |
| Net loans and leases to total assets | 58.0291% | 3,669 |
| Net loans and leases to deposits | 64.8757% | 3,932 |
| Net loans and leases to core deposits | 80.0207% | 3,192 |
| Total domestic deposits to total assets | 89.4466% | 488 |
| Equity capital to assets | 10.4046% | 3,414 |
| Core capital (leverage) ratio | 10.4314% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,795,500 | 2,798 |
| Average earning assets | $198,106,500 | 2,758 |
| Average equity | $21,621,500 | 3,018 |
| Average total loans | $123,692,500 | 2,917 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 2,588 |
| Cost of funding earning assets | 1.1842% | 1,062 |
| Net interest margin | 3.4211% | 3,677 |
| Noninterest income to average assets | 0.4681% | 2,913 |
| Noninterest expense to average assets | 2.5862% | 3,215 |
| Loan and lease loss provision to assets | 0.0571% | 2,893 |
| Net operating income to assets | 1.0766% | 2,538 |
| Return on assets (ROA) | 1.0766% | 2,638 |
| Pretax return on assets | 1.0766% | 3,243 |
| Return on Equity (ROE) | 11.2534% | 1,792 |
| Retained earnings to average equity (ytd only) | 2.8494% | 3,613 |
| Net charge-offs to loans | 0.1508% | 1,313 |
| Credit loss provision to net charge-offs | 64.8649% | 2,978 |
| Earnings coverage of net charge-offs (x) | 12.8811% | 2,392 |
| Efficiency ratio | 69.5230% | 2,245 |
| Assets per employee ($millions) | 5.4198% | 2,140 |
| Cash dividends to net income (ytd only)* | 74.6796% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 4,136 |
| Loan loss allowance to noncurrent loans | 89.6522% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9390% | 1,353 |
| Noncurrent loans to loans | 0.9543% | 1,604 |
| Net loans and leases to total assets | 59.4754% | 3,632 |
| Net loans and leases to deposits | 66.4154% | 3,932 |
| Net loans and leases to core deposits | 80.3068% | 3,272 |
| Total domestic deposits to total assets | 89.5506% | 474 |
| Equity capital to assets | 10.3047% | 3,624 |
| Core capital (leverage) ratio | 10.1341% | 3,374 |
| Tier 1 risk-based capital ratio | 15.5667% | 2,558 |
| Total risk-based capital ratio | 16.3449% | 2,675 |
| Memoranda: | ||
| Average total assets | $210,194,400 | 2,758 |
| Average earning assets | $199,789,200 | 2,713 |
| Average equity | $20,109,400 | 3,121 |
| Average total loans | $122,648,600 | 2,915 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,914 |
| Cost of funding earning assets | 1.1709% | 1,112 |
| Net interest margin | 3.3740% | 3,930 |
| Noninterest income to average assets | 0.4588% | 2,965 |
| Noninterest expense to average assets | 2.5504% | 3,297 |
| Loan and lease loss provision to assets | 0.0568% | 2,759 |
| Net operating income to assets | 1.0597% | 2,739 |
| Return on assets (ROA) | 1.0597% | 2,815 |
| Pretax return on assets | 1.0597% | 3,411 |
| Return on Equity (ROE) | 11.2884% | 1,902 |
| Retained earnings to average equity (ytd only) | 5.8156% | 2,452 |
| Net charge-offs to loans | 0.2146% | 824 |
| Credit loss provision to net charge-offs | 45.6853% | 2,820 |
| Earnings coverage of net charge-offs (x) | 8.9797% | 2,605 |
| Efficiency ratio | 69.5525% | 2,182 |
| Assets per employee ($millions) | 5.7280% | 1,826 |
| Cash dividends to net income (ytd only)* | 48.4814% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,323 |
| Loan loss allowance to noncurrent loans | 95.1265% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 1,671 |
| Noncurrent loans to loans | 0.8697% | 1,842 |
| Net loans and leases to total assets | 57.4081% | 3,930 |
| Net loans and leases to deposits | 66.4636% | 4,030 |
| Net loans and leases to core deposits | 78.9075% | 3,477 |
| Total domestic deposits to total assets | 86.3752% | 1,836 |
| Equity capital to assets | 10.1143% | 3,902 |
| Core capital (leverage) ratio | 10.2689% | 3,341 |
| Tier 1 risk-based capital ratio | 15.7720% | 2,530 |
| Total risk-based capital ratio | 16.5195% | 2,661 |
| Memoranda: | ||
| Average total assets | $211,254,500 | 2,762 |
| Average earning assets | $200,861,750 | 2,726 |
| Average equity | $19,831,000 | 3,168 |
| Average total loans | $122,423,500 | 2,946 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 3,050 |
| Cost of funding earning assets | 1.1495% | 1,141 |
| Net interest margin | 3.3388% | 4,051 |
| Noninterest income to average assets | 0.4454% | 2,980 |
| Noninterest expense to average assets | 2.5343% | 3,372 |
| Loan and lease loss provision to assets | 0.0569% | 2,690 |
| Net operating income to assets | 1.0283% | 2,810 |
| Return on assets (ROA) | 1.0283% | 2,890 |
| Pretax return on assets | 1.0283% | 3,454 |
| Return on Equity (ROE) | 11.2459% | 1,894 |
| Retained earnings to average equity (ytd only) | 7.2450% | 1,703 |
| Net charge-offs to loans | 0.2992% | 570 |
| Credit loss provision to net charge-offs | 32.7869% | 2,586 |
| Earnings coverage of net charge-offs (x) | 6.2568% | 2,587 |
| Efficiency ratio | 70.0183% | 2,224 |
| Assets per employee ($millions) | 5.3734% | 2,080 |
| Cash dividends to net income (ytd only)* | 35.5760% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8123% | 4,401 |
| Loan loss allowance to noncurrent loans | 96.2428% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 1,720 |
| Noncurrent loans to loans | 0.8440% | 1,912 |
| Net loans and leases to total assets | 58.2121% | 3,893 |
| Net loans and leases to deposits | 68.8196% | 3,914 |
| Net loans and leases to core deposits | 81.1882% | 3,323 |
| Total domestic deposits to total assets | 84.5865% | 2,648 |
| Equity capital to assets | 9.9908% | 3,981 |
| Core capital (leverage) ratio | 10.2201% | 3,368 |
| Tier 1 risk-based capital ratio | 15.6807% | 2,554 |
| Total risk-based capital ratio | 16.4179% | 2,694 |
| Memoranda: | ||
| Average total assets | $211,027,000 | 2,772 |
| Average earning assets | $200,608,670 | 2,731 |
| Average equity | $19,296,000 | 3,217 |
| Average total loans | $122,336,670 | 2,954 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 3,227 |
| Cost of funding earning assets | 1.1190% | 1,127 |
| Net interest margin | 3.2815% | 4,206 |
| Noninterest income to average assets | 0.4496% | 2,855 |
| Noninterest expense to average assets | 2.5406% | 3,395 |
| Loan and lease loss provision to assets | 0.0567% | 2,533 |
| Net operating income to assets | 0.9709% | 2,969 |
| Return on assets (ROA) | 0.9709% | 3,009 |
| Pretax return on assets | 0.9709% | 3,539 |
| Return on Equity (ROE) | 11.1283% | 1,900 |
| Retained earnings to average equity (ytd only) | 11.1283% | 774 |
| Net charge-offs to loans | 0.4786% | 317 |
| Credit loss provision to net charge-offs | 20.5479% | 2,132 |
| Earnings coverage of net charge-offs (x) | 3.7260% | 2,381 |
| Efficiency ratio | 71.2017% | 2,158 |
| Assets per employee ($millions) | 5.2594% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,445 |
| Loan loss allowance to noncurrent loans | 116.7053% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 1,604 |
| Noncurrent loans to loans | 0.7064% | 2,260 |
| Net loans and leases to total assets | 57.5232% | 3,940 |
| Net loans and leases to deposits | 68.1168% | 3,919 |
| Net loans and leases to core deposits | 80.2125% | 3,348 |
| Total domestic deposits to total assets | 84.4478% | 2,868 |
| Equity capital to assets | 9.2297% | 4,500 |
| Core capital (leverage) ratio | 10.1954% | 3,386 |
| Tier 1 risk-based capital ratio | 15.6360% | 2,590 |
| Total risk-based capital ratio | 16.3827% | 2,737 |
| Memoranda: | ||
| Average total assets | $211,759,000 | 2,795 |
| Average earning assets | $201,247,500 | 2,750 |
| Average equity | $18,475,500 | 3,316 |
| Average total loans | $122,010,000 | 2,993 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,694 |
| Cost of funding earning assets | 0.8430% | 1,337 |
| Net interest margin | 3.5787% | 3,455 |
| Noninterest income to average assets | 0.4367% | 3,193 |
| Noninterest expense to average assets | 2.5752% | 3,402 |
| Loan and lease loss provision to assets | 0.0168% | 3,820 |
| Net operating income to assets | 1.2581% | 1,949 |
| Return on assets (ROA) | 1.2581% | 1,945 |
| Pretax return on assets | 1.2581% | 2,666 |
| Return on Equity (ROE) | 15.3075% | 767 |
| Retained earnings to average equity (ytd only) | 3.7642% | 3,498 |
| Net charge-offs to loans | 0.1564% | 1,229 |
| Credit loss provision to net charge-offs | 18.2741% | 3,406 |
| Earnings coverage of net charge-offs (x) | 13.8274% | 2,416 |
| Efficiency ratio | 66.8855% | 2,731 |
| Assets per employee ($millions) | 5.3286% | 2,122 |
| Cash dividends to net income (ytd only)* | 75.4092% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,087 |
| Loan loss allowance to noncurrent loans | 70.1250% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 1,395 |
| Noncurrent loans to loans | 1.3115% | 1,199 |
| Net loans and leases to total assets | 56.7120% | 4,075 |
| Net loans and leases to deposits | 68.3114% | 3,953 |
| Net loans and leases to core deposits | 80.1242% | 3,416 |
| Total domestic deposits to total assets | 83.0198% | 3,319 |
| Equity capital to assets | 8.2264% | 5,076 |
| Core capital (leverage) ratio | 9.6731% | 3,930 |
| Tier 1 risk-based capital ratio | 15.1779% | 2,746 |
| Total risk-based capital ratio | 16.0066% | 2,871 |
| Memoranda: | ||
| Average total assets | $213,655,200 | 2,742 |
| Average earning assets | $203,786,600 | 2,691 |
| Average equity | $17,560,000 | 3,338 |
| Average total loans | $125,947,000 | 2,928 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 2,727 |
| Cost of funding earning assets | 0.7529% | 1,572 |
| Net interest margin | 3.6179% | 3,309 |
| Noninterest income to average assets | 0.4303% | 3,283 |
| Noninterest expense to average assets | 2.5489% | 3,446 |
| Loan and lease loss provision to assets | 0.0168% | 3,676 |
| Net operating income to assets | 1.3172% | 1,786 |
| Return on assets (ROA) | 1.3172% | 1,792 |
| Pretax return on assets | 1.3172% | 2,553 |
| Return on Equity (ROE) | 16.0301% | 693 |
| Retained earnings to average equity (ytd only) | 7.7950% | 1,749 |
| Net charge-offs to loans | 0.0945% | 1,544 |
| Credit loss provision to net charge-offs | 30.0000% | 2,967 |
| Earnings coverage of net charge-offs (x) | 23.7661% | 1,837 |
| Efficiency ratio | 65.6441% | 2,933 |
| Assets per employee ($millions) | 5.4392% | 1,974 |
| Cash dividends to net income (ytd only)* | 51.3731% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 4,160 |
| Loan loss allowance to noncurrent loans | 70.4795% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 1,415 |
| Noncurrent loans to loans | 1.3130% | 1,273 |
| Net loans and leases to total assets | 60.0325% | 3,840 |
| Net loans and leases to deposits | 75.3744% | 3,469 |
| Net loans and leases to core deposits | 86.5639% | 2,950 |
| Total domestic deposits to total assets | 79.6458% | 4,185 |
| Equity capital to assets | 7.8505% | 5,224 |
| Core capital (leverage) ratio | 9.8655% | 3,776 |
| Tier 1 risk-based capital ratio | 14.4453% | 3,152 |
| Total risk-based capital ratio | 15.2878% | 3,262 |
| Memoranda: | ||
| Average total assets | $213,783,500 | 2,762 |
| Average earning assets | $204,016,500 | 2,706 |
| Average equity | $17,566,500 | 3,370 |
| Average total loans | $126,934,000 | 2,947 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,674 |
| Cost of funding earning assets | 0.6556% | 1,898 |
| Net interest margin | 3.6713% | 3,037 |
| Noninterest income to average assets | 0.4301% | 3,294 |
| Noninterest expense to average assets | 2.5550% | 3,456 |
| Loan and lease loss provision to assets | 0.0169% | 3,554 |
| Net operating income to assets | 1.3627% | 1,561 |
| Return on assets (ROA) | 1.3627% | 1,562 |
| Pretax return on assets | 1.3627% | 2,284 |
| Return on Equity (ROE) | 16.3351% | 609 |
| Retained earnings to average equity (ytd only) | 10.5253% | 783 |
| Net charge-offs to loans | 0.0798% | 1,531 |
| Credit loss provision to net charge-offs | 36.0000% | 2,597 |
| Earnings coverage of net charge-offs (x) | 29.3200% | 1,526 |
| Efficiency ratio | 64.9366% | 3,170 |
| Assets per employee ($millions) | 5.3477% | 2,048 |
| Cash dividends to net income (ytd only)* | 35.5663% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 4,024 |
| Loan loss allowance to noncurrent loans | 75.7723% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 1,490 |
| Noncurrent loans to loans | 1.2764% | 1,340 |
| Net loans and leases to total assets | 59.8825% | 3,823 |
| Net loans and leases to deposits | 74.3332% | 3,502 |
| Net loans and leases to core deposits | 85.9518% | 2,929 |
| Total domestic deposits to total assets | 80.5595% | 4,114 |
| Equity capital to assets | 8.2474% | 5,104 |
| Core capital (leverage) ratio | 9.8860% | 3,699 |
| Tier 1 risk-based capital ratio | 14.6046% | 3,066 |
| Total risk-based capital ratio | 15.4820% | 3,165 |
| Memoranda: | ||
| Average total assets | $212,522,330 | 2,787 |
| Average earning assets | $202,870,000 | 2,727 |
| Average equity | $17,728,670 | 3,360 |
| Average total loans | $125,301,670 | 2,977 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 2,624 |
| Cost of funding earning assets | 0.5972% | 2,071 |
| Net interest margin | 3.6762% | 2,898 |
| Noninterest income to average assets | 0.4286% | 3,253 |
| Noninterest expense to average assets | 2.6248% | 3,260 |
| Loan and lease loss provision to assets | 0.0170% | 3,313 |
| Net operating income to assets | 1.2973% | 1,648 |
| Return on assets (ROA) | 1.2973% | 1,653 |
| Pretax return on assets | 1.2973% | 2,375 |
| Return on Equity (ROE) | 15.4625% | 715 |
| Retained earnings to average equity (ytd only) | 15.4625% | 287 |
| Net charge-offs to loans | 0.1590% | 886 |
| Credit loss provision to net charge-offs | 18.3673% | 2,132 |
| Earnings coverage of net charge-offs (x) | 14.2041% | 1,722 |
| Efficiency ratio | 66.6347% | 3,060 |
| Assets per employee ($millions) | 5.3311% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,944 |
| Loan loss allowance to noncurrent loans | 91.8699% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 1,804 |
| Noncurrent loans to loans | 1.0902% | 1,682 |
| Net loans and leases to total assets | 57.6153% | 3,979 |
| Net loans and leases to deposits | 71.0210% | 3,696 |
| Net loans and leases to core deposits | 82.5167% | 3,102 |
| Total domestic deposits to total assets | 81.1243% | 4,169 |
| Equity capital to assets | 8.1766% | 5,191 |
| Core capital (leverage) ratio | 9.8048% | 3,753 |
| Tier 1 risk-based capital ratio | 14.8093% | 2,976 |
| Total risk-based capital ratio | 15.7039% | 3,055 |
| Memoranda: | ||
| Average total assets | $211,829,000 | 2,822 |
| Average earning assets | $202,274,500 | 2,763 |
| Average equity | $17,772,000 | 3,384 |
| Average total loans | $123,280,000 | 3,021 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,402 |
| Cost of funding earning assets | 0.5119% | 2,234 |
| Net interest margin | 3.7664% | 2,542 |
| Noninterest income to average assets | 0.4568% | 3,266 |
| Noninterest expense to average assets | 2.6261% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4283% | 956 |
| Return on assets (ROA) | 1.4283% | 971 |
| Pretax return on assets | 1.4283% | 1,895 |
| Return on Equity (ROE) | 15.8825% | 497 |
| Retained earnings to average equity (ytd only) | 4.0368% | 2,760 |
| Net charge-offs to loans | 0.0599% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 42.3529% | 1,210 |
| Efficiency ratio | 64.7706% | 3,485 |
| Assets per employee ($millions) | 5.2604% | 2,189 |
| Cash dividends to net income (ytd only)* | 74.5833% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,641 |
| Loan loss allowance to noncurrent loans | 84.3524% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.9671% | 1,599 |
| Noncurrent loans to loans | 1.2421% | 1,424 |
| Net loans and leases to total assets | 57.5878% | 4,053 |
| Net loans and leases to deposits | 69.4793% | 3,917 |
| Net loans and leases to core deposits | 81.0019% | 3,336 |
| Total domestic deposits to total assets | 82.8849% | 3,601 |
| Equity capital to assets | 8.6058% | 5,035 |
| Core capital (leverage) ratio | 9.8500% | 3,639 |
| Tier 1 risk-based capital ratio | 14.5158% | 3,083 |
| Total risk-based capital ratio | 15.4522% | 3,150 |
| Memoranda: | ||
| Average total assets | $201,632,200 | 2,910 |
| Average earning assets | $192,597,600 | 2,837 |
| Average equity | $18,133,200 | 3,345 |
| Average total loans | $113,516,400 | 3,135 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,353 |
| Cost of funding earning assets | 0.5047% | 2,230 |
| Net interest margin | 3.7670% | 2,515 |
| Noninterest income to average assets | 0.4573% | 3,293 |
| Noninterest expense to average assets | 2.6287% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4260% | 1,033 |
| Return on assets (ROA) | 1.4260% | 1,059 |
| Pretax return on assets | 1.4260% | 2,034 |
| Return on Equity (ROE) | 15.6781% | 563 |
| Retained earnings to average equity (ytd only) | 7.8868% | 1,266 |
| Net charge-offs to loans | 0.0947% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 27.0002% | 1,656 |
| Efficiency ratio | 64.8310% | 3,398 |
| Assets per employee ($millions) | 5.0206% | 2,422 |
| Cash dividends to net income (ytd only)* | 49.6953% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,496 |
| Loan loss allowance to noncurrent loans | 78.1807% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 1,619 |
| Noncurrent loans to loans | 1.4029% | 1,331 |
| Net loans and leases to total assets | 55.7206% | 4,253 |
| Net loans and leases to deposits | 66.6663% | 4,205 |
| Net loans and leases to core deposits | 77.3012% | 3,698 |
| Total domestic deposits to total assets | 83.5813% | 3,264 |
| Equity capital to assets | 9.4459% | 4,494 |
| Core capital (leverage) ratio | 10.2012% | 3,313 |
| Tier 1 risk-based capital ratio | 14.9829% | 2,926 |
| Total risk-based capital ratio | 15.9249% | 3,004 |
| Memoranda: | ||
| Average total assets | $199,436,250 | 2,957 |
| Average earning assets | $190,454,250 | 2,886 |
| Average equity | $18,139,500 | 3,373 |
| Average total loans | $111,281,250 | 3,189 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 2,281 |
| Cost of funding earning assets | 0.4925% | 2,235 |
| Net interest margin | 3.7593% | 2,441 |
| Noninterest income to average assets | 0.4622% | 3,272 |
| Noninterest expense to average assets | 2.6173% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4354% | 989 |
| Return on assets (ROA) | 1.4354% | 1,017 |
| Pretax return on assets | 1.4354% | 1,874 |
| Return on Equity (ROE) | 15.9958% | 529 |
| Retained earnings to average equity (ytd only) | 10.0764% | 571 |
| Net charge-offs to loans | 0.0547% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.2000% | 1,126 |
| Efficiency ratio | 64.5823% | 3,574 |
| Assets per employee ($millions) | 4.9619% | 2,437 |
| Cash dividends to net income (ytd only)* | 37.0056% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 3,206 |
| Loan loss allowance to noncurrent loans | 95.4480% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 1,880 |
| Noncurrent loans to loans | 1.2228% | 1,593 |
| Net loans and leases to total assets | 54.9840% | 4,313 |
| Net loans and leases to deposits | 65.2266% | 4,282 |
| Net loans and leases to core deposits | 75.7273% | 3,798 |
| Total domestic deposits to total assets | 84.2970% | 3,088 |
| Equity capital to assets | 9.5173% | 4,389 |
| Core capital (leverage) ratio | 10.0510% | 3,476 |
| Tier 1 risk-based capital ratio | 15.2374% | 2,830 |
| Total risk-based capital ratio | 16.2414% | 2,864 |
| Memoranda: | ||
| Average total assets | $197,300,000 | 2,992 |
| Average earning assets | $188,440,330 | 2,928 |
| Average equity | $17,704,670 | 3,447 |
| Average total loans | $109,718,330 | 3,225 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,126 |
| Cost of funding earning assets | 0.4766% | 2,289 |
| Net interest margin | 3.7655% | 2,242 |
| Noninterest income to average assets | 0.5066% | 2,934 |
| Noninterest expense to average assets | 2.6628% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4395% | 913 |
| Return on assets (ROA) | 1.4395% | 941 |
| Pretax return on assets | 1.4395% | 1,731 |
| Return on Equity (ROE) | 16.5679% | 455 |
| Retained earnings to average equity (ytd only) | 16.5679% | 178 |
| Net charge-offs to loans | 0.0185% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 139.8000% | 391 |
| Efficiency ratio | 64.9096% | 3,676 |
| Assets per employee ($millions) | 4.7208% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,846 |
| Loan loss allowance to noncurrent loans | 155.4273% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 2,516 |
| Noncurrent loans to loans | 0.8024% | 2,448 |
| Net loans and leases to total assets | 55.0653% | 4,248 |
| Net loans and leases to deposits | 60.7576% | 4,515 |
| Net loans and leases to core deposits | 71.3523% | 4,045 |
| Total domestic deposits to total assets | 90.6310% | 417 |
| Equity capital to assets | 9.1039% | 4,707 |
| Core capital (leverage) ratio | 10.2682% | 3,161 |
| Tier 1 risk-based capital ratio | 16.1390% | 2,492 |
| Total risk-based capital ratio | 17.2331% | 2,510 |
| Memoranda: | ||
| Average total assets | $194,230,500 | 3,050 |
| Average earning assets | $185,475,500 | 2,990 |
| Average equity | $16,876,000 | 3,562 |
| Average total loans | $107,987,500 | 3,277 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,752 |
| Cost of funding earning assets | 0.4740% | 2,315 |
| Net interest margin | 3.9541% | 1,776 |
| Noninterest income to average assets | 0.4977% | 3,254 |
| Noninterest expense to average assets | 2.7567% | 3,170 |
| Loan and lease loss provision to assets | 0.0130% | 4,117 |
| Net operating income to assets | 1.4894% | 845 |
| Return on assets (ROA) | 1.4894% | 866 |
| Pretax return on assets | 1.4894% | 1,615 |
| Return on Equity (ROE) | 15.2739% | 592 |
| Retained earnings to average equity (ytd only) | 3.8291% | 3,194 |
| Net charge-offs to loans | 0.2975% | 930 |
| Credit loss provision to net charge-offs | 7.8125% | 3,751 |
| Earnings coverage of net charge-offs (x) | 9.0281% | 2,799 |
| Efficiency ratio | 64.7253% | 3,813 |
| Assets per employee ($millions) | 4.7538% | 2,717 |
| Cash dividends to net income (ytd only)* | 74.9302% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,817 |
| Loan loss allowance to noncurrent loans | 162.9674% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,655 |
| Noncurrent loans to loans | 0.7673% | 2,617 |
| Net loans and leases to total assets | 54.7425% | 4,366 |
| Net loans and leases to deposits | 59.7893% | 4,684 |
| Net loans and leases to core deposits | 69.9795% | 4,247 |
| Total domestic deposits to total assets | 91.5591% | 152 |
| Equity capital to assets | 8.2763% | 5,433 |
| Core capital (leverage) ratio | 9.7343% | 3,817 |
| Tier 1 risk-based capital ratio | 15.5366% | 2,738 |
| Total risk-based capital ratio | 16.6323% | 2,732 |
| Memoranda: | ||
| Average total assets | $192,298,600 | 3,042 |
| Average earning assets | $182,922,200 | 2,987 |
| Average equity | $18,751,000 | 3,307 |
| Average total loans | $107,551,400 | 3,248 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 1,700 |
| Cost of funding earning assets | 0.4744% | 2,325 |
| Net interest margin | 3.9753% | 1,725 |
| Noninterest income to average assets | 0.5037% | 3,224 |
| Noninterest expense to average assets | 2.7272% | 3,270 |
| Loan and lease loss provision to assets | 0.0174% | 3,896 |
| Net operating income to assets | 1.5368% | 818 |
| Return on assets (ROA) | 1.5368% | 859 |
| Pretax return on assets | 1.5368% | 1,586 |
| Return on Equity (ROE) | 15.1771% | 650 |
| Retained earnings to average equity (ytd only) | 7.7981% | 1,257 |
| Net charge-offs to loans | 0.3959% | 551 |
| Credit loss provision to net charge-offs | 7.8370% | 3,377 |
| Earnings coverage of net charge-offs (x) | 7.0032% | 2,936 |
| Efficiency ratio | 63.6984% | 3,969 |
| Assets per employee ($millions) | 4.5837% | 2,948 |
| Cash dividends to net income (ytd only)* | 48.6191% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,877 |
| Loan loss allowance to noncurrent loans | 149.2818% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 2,644 |
| Noncurrent loans to loans | 0.8456% | 2,567 |
| Net loans and leases to total assets | 54.8918% | 4,417 |
| Net loans and leases to deposits | 61.4045% | 4,668 |
| Net loans and leases to core deposits | 71.4930% | 4,202 |
| Total domestic deposits to total assets | 89.3937% | 727 |
| Equity capital to assets | 10.3903% | 3,691 |
| Core capital (leverage) ratio | 10.2932% | 3,234 |
| Tier 1 risk-based capital ratio | 15.9931% | 2,629 |
| Total risk-based capital ratio | 17.0970% | 2,627 |
| Memoranda: | ||
| Average total assets | $191,646,500 | 3,056 |
| Average earning assets | $182,119,500 | 3,009 |
| Average equity | $19,406,000 | 3,248 |
| Average total loans | $107,427,250 | 3,267 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 1,641 |
| Cost of funding earning assets | 0.4727% | 2,342 |
| Net interest margin | 3.9874% | 1,679 |
| Noninterest income to average assets | 0.4850% | 3,301 |
| Noninterest expense to average assets | 2.7446% | 3,219 |
| Loan and lease loss provision to assets | 0.0261% | 3,613 |
| Net operating income to assets | 1.4967% | 898 |
| Return on assets (ROA) | 1.4967% | 940 |
| Pretax return on assets | 1.4967% | 1,677 |
| Return on Equity (ROE) | 14.9112% | 681 |
| Retained earnings to average equity (ytd only) | 9.0384% | 837 |
| Net charge-offs to loans | 0.6080% | 341 |
| Credit loss provision to net charge-offs | 7.6453% | 3,012 |
| Earnings coverage of net charge-offs (x) | 4.4557% | 2,984 |
| Efficiency ratio | 64.3155% | 3,960 |
| Assets per employee ($millions) | 4.5235% | 2,979 |
| Cash dividends to net income (ytd only)* | 39.3855% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,994 |
| Loan loss allowance to noncurrent loans | 150.7295% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 2,674 |
| Noncurrent loans to loans | 0.8382% | 2,651 |
| Net loans and leases to total assets | 55.2406% | 4,388 |
| Net loans and leases to deposits | 61.8917% | 4,663 |
| Net loans and leases to core deposits | 71.5876% | 4,215 |
| Total domestic deposits to total assets | 89.2536% | 785 |
| Equity capital to assets | 10.4780% | 3,663 |
| Core capital (leverage) ratio | 10.1588% | 3,377 |
| Tier 1 risk-based capital ratio | 16.0043% | 2,641 |
| Total risk-based capital ratio | 17.1176% | 2,644 |
| Memoranda: | ||
| Average total assets | $191,356,330 | 3,074 |
| Average earning assets | $181,524,000 | 3,028 |
| Average equity | $19,207,000 | 3,269 |
| Average total loans | $107,560,670 | 3,278 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 1,690 |
| Cost of funding earning assets | 0.4717% | 2,357 |
| Net interest margin | 3.9664% | 1,724 |
| Noninterest income to average assets | 0.4999% | 3,110 |
| Noninterest expense to average assets | 2.6474% | 3,585 |
| Loan and lease loss provision to assets | 0.0417% | 3,090 |
| Net operating income to assets | 1.5768% | 737 |
| Return on assets (ROA) | 1.5768% | 774 |
| Pretax return on assets | 1.5768% | 1,358 |
| Return on Equity (ROE) | 16.0577% | 529 |
| Retained earnings to average equity (ytd only) | 16.0577% | 191 |
| Net charge-offs to loans | 1.3827% | 138 |
| Credit loss provision to net charge-offs | 5.3476% | 2,392 |
| Earnings coverage of net charge-offs (x) | 2.0775% | 2,733 |
| Efficiency ratio | 62.0605% | 4,434 |
| Assets per employee ($millions) | 4.5864% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 3,465 |
| Loan loss allowance to noncurrent loans | 134.0249% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 2,339 |
| Noncurrent loans to loans | 0.8969% | 2,603 |
| Net loans and leases to total assets | 55.1273% | 4,344 |
| Net loans and leases to deposits | 61.4493% | 4,619 |
| Net loans and leases to core deposits | 70.7245% | 4,181 |
| Total domestic deposits to total assets | 89.7117% | 728 |
| Equity capital to assets | 10.0879% | 3,963 |
| Core capital (leverage) ratio | 10.0544% | 3,470 |
| Tier 1 risk-based capital ratio | 15.5097% | 2,909 |
| Total risk-based capital ratio | 16.5536% | 2,956 |
| Memoranda: | ||
| Average total assets | $192,040,000 | 3,076 |
| Average earning assets | $182,329,500 | 3,020 |
| Average equity | $18,857,000 | 3,320 |
| Average total loans | $108,194,000 | 3,272 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 1,437 |
| Cost of funding earning assets | 0.4795% | 2,357 |
| Net interest margin | 4.0792% | 1,464 |
| Noninterest income to average assets | 0.4666% | 3,550 |
| Noninterest expense to average assets | 2.7322% | 3,476 |
| Loan and lease loss provision to assets | 0.0105% | 4,194 |
| Net operating income to assets | 1.5812% | 740 |
| Return on assets (ROA) | 1.5812% | 761 |
| Pretax return on assets | 1.5812% | 1,307 |
| Return on Equity (ROE) | 16.5746% | 499 |
| Retained earnings to average equity (ytd only) | 4.1616% | 3,035 |
| Net charge-offs to loans | 0.1093% | 2,287 |
| Credit loss provision to net charge-offs | 16.6667% | 3,773 |
| Earnings coverage of net charge-offs (x) | 25.1583% | 1,638 |
| Efficiency ratio | 63.1874% | 4,412 |
| Assets per employee ($millions) | 4.5584% | 2,950 |
| Cash dividends to net income (ytd only)* | 74.8916% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 1,950 |
| Loan loss allowance to noncurrent loans | 103.3271% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 1,789 |
| Noncurrent loans to loans | 1.4627% | 1,596 |
| Net loans and leases to total assets | 56.0242% | 4,296 |
| Net loans and leases to deposits | 62.0818% | 4,630 |
| Net loans and leases to core deposits | 70.9476% | 4,218 |
| Total domestic deposits to total assets | 90.2425% | 527 |
| Equity capital to assets | 9.5491% | 4,493 |
| Core capital (leverage) ratio | 9.7025% | 3,904 |
| Tier 1 risk-based capital ratio | 14.5047% | 3,445 |
| Total risk-based capital ratio | 15.7555% | 3,351 |
| Memoranda: | ||
| Average total assets | $189,667,400 | 3,058 |
| Average earning assets | $179,349,000 | 3,007 |
| Average equity | $18,094,000 | 3,369 |
| Average total loans | $109,835,400 | 3,204 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 1,433 |
| Cost of funding earning assets | 0.4805% | 2,404 |
| Net interest margin | 4.0789% | 1,465 |
| Noninterest income to average assets | 0.4756% | 3,532 |
| Noninterest expense to average assets | 2.7184% | 3,499 |
| Loan and lease loss provision to assets | 0.0141% | 3,992 |
| Net operating income to assets | 1.5953% | 778 |
| Return on assets (ROA) | 1.5953% | 807 |
| Pretax return on assets | 1.5953% | 1,393 |
| Return on Equity (ROE) | 16.7263% | 498 |
| Retained earnings to average equity (ytd only) | 8.5109% | 1,055 |
| Net charge-offs to loans | 0.0303% | 3,329 |
| Credit loss provision to net charge-offs | 80.0000% | 2,611 |
| Earnings coverage of net charge-offs (x) | 91.3669% | 677 |
| Efficiency ratio | 62.8134% | 4,438 |
| Assets per employee ($millions) | 4.4845% | 3,036 |
| Cash dividends to net income (ytd only)* | 49.1166% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,916 |
| Loan loss allowance to noncurrent loans | 119.4921% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1670% | 2,030 |
| Noncurrent loans to loans | 1.3088% | 1,948 |
| Net loans and leases to total assets | 58.1786% | 4,119 |
| Net loans and leases to deposits | 64.7988% | 4,490 |
| Net loans and leases to core deposits | 74.3873% | 3,978 |
| Total domestic deposits to total assets | 89.7834% | 661 |
| Equity capital to assets | 9.9453% | 4,231 |
| Core capital (leverage) ratio | 9.8561% | 3,827 |
| Tier 1 risk-based capital ratio | 14.7343% | 3,422 |
| Total risk-based capital ratio | 15.9858% | 3,369 |
| Memoranda: | ||
| Average total assets | $189,221,000 | 3,087 |
| Average earning assets | $178,702,500 | 3,037 |
| Average equity | $18,047,000 | 3,405 |
| Average total loans | $110,067,750 | 3,231 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 1,377 |
| Cost of funding earning assets | 0.4797% | 2,434 |
| Net interest margin | 4.0805% | 1,407 |
| Noninterest income to average assets | 0.4707% | 3,555 |
| Noninterest expense to average assets | 2.7365% | 3,464 |
| Loan and lease loss provision to assets | 0.0211% | 3,713 |
| Net operating income to assets | 1.5735% | 789 |
| Return on assets (ROA) | 1.5735% | 819 |
| Pretax return on assets | 1.5735% | 1,415 |
| Return on Equity (ROE) | 16.7353% | 522 |
| Retained earnings to average equity (ytd only) | 10.5395% | 575 |
| Net charge-offs to loans | 0.0511% | 2,690 |
| Credit loss provision to net charge-offs | 71.4286% | 2,441 |
| Earnings coverage of net charge-offs (x) | 53.9643% | 905 |
| Efficiency ratio | 63.1823% | 4,487 |
| Assets per employee ($millions) | 4.5582% | 2,888 |
| Cash dividends to net income (ytd only)* | 37.0221% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 1,798 |
| Loan loss allowance to noncurrent loans | 122.8269% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.3072% | 1,927 |
| Noncurrent loans to loans | 1.3323% | 2,017 |
| Net loans and leases to total assets | 55.9017% | 4,349 |
| Net loans and leases to deposits | 61.9066% | 4,709 |
| Net loans and leases to core deposits | 70.9933% | 4,222 |
| Total domestic deposits to total assets | 90.3000% | 534 |
| Equity capital to assets | 9.4490% | 4,715 |
| Core capital (leverage) ratio | 9.7813% | 3,891 |
| Tier 1 risk-based capital ratio | 15.6465% | 3,029 |
| Total risk-based capital ratio | 16.8991% | 2,977 |
| Memoranda: | ||
| Average total assets | $189,511,000 | 3,109 |
| Average earning assets | $179,290,670 | 3,049 |
| Average equity | $17,818,670 | 3,450 |
| Average total loans | $109,650,000 | 3,256 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 1,373 |
| Cost of funding earning assets | 0.4743% | 2,510 |
| Net interest margin | 4.0580% | 1,393 |
| Noninterest income to average assets | 0.4758% | 3,461 |
| Noninterest expense to average assets | 2.7691% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5449% | 784 |
| Return on assets (ROA) | 1.5449% | 828 |
| Pretax return on assets | 1.5449% | 1,409 |
| Return on Equity (ROE) | 16.4707% | 521 |
| Retained earnings to average equity (ytd only) | 16.4707% | 201 |
| Net charge-offs to loans | -0.0144% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1885% | 4,447 |
| Assets per employee ($millions) | 4.7516% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 2,144 |
| Loan loss allowance to noncurrent loans | 148.4309% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 2,186 |
| Noncurrent loans to loans | 1.0607% | 2,642 |
| Net loans and leases to total assets | 57.5599% | 4,016 |
| Net loans and leases to deposits | 63.9000% | 4,377 |
| Net loans and leases to core deposits | 73.1415% | 3,859 |
| Total domestic deposits to total assets | 90.0780% | 708 |
| Equity capital to assets | 9.6905% | 4,522 |
| Core capital (leverage) ratio | 9.6420% | 4,097 |
| Tier 1 risk-based capital ratio | 14.8673% | 3,501 |
| Total risk-based capital ratio | 14.8673% | 4,180 |
| Memoranda: | ||
| Average total assets | $190,823,000 | 3,109 |
| Average earning assets | $180,481,500 | 3,066 |
| Average equity | $17,898,500 | 3,463 |
| Average total loans | $111,369,500 | 3,241 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 1,707 |
| Cost of funding earning assets | 0.4941% | 2,725 |
| Net interest margin | 4.0523% | 1,728 |
| Noninterest income to average assets | 0.4872% | 3,606 |
| Noninterest expense to average assets | 2.6988% | 3,864 |
| Loan and lease loss provision to assets | 0.1281% | 2,048 |
| Net operating income to assets | 1.4986% | 883 |
| Return on assets (ROA) | 1.4986% | 917 |
| Pretax return on assets | 1.4986% | 1,548 |
| Return on Equity (ROE) | 18.0307% | 390 |
| Retained earnings to average equity (ytd only) | 4.5462% | 2,938 |
| Net charge-offs to loans | 0.2475% | 1,732 |
| Credit loss provision to net charge-offs | 88.8889% | 2,666 |
| Earnings coverage of net charge-offs (x) | 11.2889% | 2,511 |
| Efficiency ratio | 62.3936% | 4,845 |
| Assets per employee ($millions) | 4.7896% | 2,609 |
| Cash dividends to net income (ytd only)* | 74.7863% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 2,211 |
| Loan loss allowance to noncurrent loans | 147.8408% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 2,274 |
| Noncurrent loans to loans | 1.0583% | 2,706 |
| Net loans and leases to total assets | 57.3344% | 4,144 |
| Net loans and leases to deposits | 63.2121% | 4,610 |
| Net loans and leases to core deposits | 71.5944% | 4,167 |
| Total domestic deposits to total assets | 90.7017% | 464 |
| Equity capital to assets | 9.0713% | 5,211 |
| Core capital (leverage) ratio | 9.2728% | 4,567 |
| Tier 1 risk-based capital ratio | 14.4105% | 3,825 |
| Total risk-based capital ratio | 15.6620% | 3,764 |
| Memoranda: | ||
| Average total assets | $187,378,200 | 3,130 |
| Average earning assets | $177,479,600 | 3,073 |
| Average equity | $15,573,400 | 3,737 |
| Average total loans | $109,081,600 | 3,241 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 1,770 |
| Cost of funding earning assets | 0.4993% | 2,775 |
| Net interest margin | 4.0300% | 1,791 |
| Noninterest income to average assets | 0.4923% | 3,597 |
| Noninterest expense to average assets | 2.7113% | 3,790 |
| Loan and lease loss provision to assets | 0.1288% | 1,946 |
| Net operating income to assets | 1.4698% | 989 |
| Return on assets (ROA) | 1.4698% | 1,026 |
| Pretax return on assets | 1.4698% | 1,739 |
| Return on Equity (ROE) | 18.1100% | 430 |
| Retained earnings to average equity (ytd only) | 8.8346% | 1,050 |
| Net charge-offs to loans | 0.3147% | 1,269 |
| Credit loss provision to net charge-offs | 70.3125% | 2,765 |
| Earnings coverage of net charge-offs (x) | 8.7267% | 2,755 |
| Efficiency ratio | 62.9088% | 4,747 |
| Assets per employee ($millions) | 4.6282% | 2,768 |
| Cash dividends to net income (ytd only)* | 51.2170% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 2,639 |
| Loan loss allowance to noncurrent loans | 96.8643% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 2,294 |
| Noncurrent loans to loans | 1.5626% | 2,081 |
| Net loans and leases to total assets | 59.7172% | 3,835 |
| Net loans and leases to deposits | 65.8859% | 4,340 |
| Net loans and leases to core deposits | 74.3512% | 3,914 |
| Total domestic deposits to total assets | 90.6372% | 478 |
| Equity capital to assets | 9.0765% | 5,270 |
| Core capital (leverage) ratio | 9.7088% | 4,063 |
| Tier 1 risk-based capital ratio | 14.8100% | 3,699 |
| Total risk-based capital ratio | 15.7564% | 3,819 |
| Memoranda: | ||
| Average total assets | $186,327,000 | 3,177 |
| Average earning assets | $176,504,500 | 3,112 |
| Average equity | $15,122,000 | 3,831 |
| Average total loans | $108,454,750 | 3,271 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 1,865 |
| Cost of funding earning assets | 0.5017% | 2,818 |
| Net interest margin | 3.9873% | 1,849 |
| Noninterest income to average assets | 0.5205% | 3,339 |
| Noninterest expense to average assets | 2.6574% | 4,025 |
| Loan and lease loss provision to assets | 0.1285% | 1,920 |
| Net operating income to assets | 1.5059% | 859 |
| Return on assets (ROA) | 1.5059% | 895 |
| Pretax return on assets | 1.5059% | 1,519 |
| Return on Equity (ROE) | 19.3110% | 333 |
| Retained earnings to average equity (ytd only) | 12.2239% | 401 |
| Net charge-offs to loans | 0.4347% | 943 |
| Credit loss provision to net charge-offs | 51.5021% | 2,775 |
| Earnings coverage of net charge-offs (x) | 6.5494% | 2,754 |
| Efficiency ratio | 61.9166% | 5,027 |
| Assets per employee ($millions) | 4.6579% | 2,687 |
| Cash dividends to net income (ytd only)* | 36.6999% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 2,767 |
| Loan loss allowance to noncurrent loans | 94.6500% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3762% | 2,373 |
| Noncurrent loans to loans | 1.6138% | 2,152 |
| Net loans and leases to total assets | 57.5437% | 4,045 |
| Net loans and leases to deposits | 68.5893% | 3,983 |
| Net loans and leases to core deposits | 77.7812% | 3,464 |
| Total domestic deposits to total assets | 83.8960% | 3,961 |
| Equity capital to assets | 8.6837% | 5,625 |
| Core capital (leverage) ratio | 9.5203% | 4,301 |
| Tier 1 risk-based capital ratio | 14.8672% | 3,705 |
| Total risk-based capital ratio | 16.1186% | 3,653 |
| Memoranda: | ||
| Average total assets | $186,727,330 | 3,187 |
| Average earning assets | $176,611,000 | 3,120 |
| Average equity | $14,561,670 | 3,934 |
| Average total loans | $107,189,330 | 3,303 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 1,893 |
| Cost of funding earning assets | 0.5042% | 2,859 |
| Net interest margin | 3.9679% | 1,863 |
| Noninterest income to average assets | 0.5221% | 3,254 |
| Noninterest expense to average assets | 2.6726% | 4,026 |
| Loan and lease loss provision to assets | 0.1284% | 1,894 |
| Net operating income to assets | 1.4765% | 854 |
| Return on assets (ROA) | 1.4765% | 880 |
| Pretax return on assets | 1.4765% | 1,502 |
| Return on Equity (ROE) | 20.0683% | 278 |
| Retained earnings to average equity (ytd only) | 20.0683% | 116 |
| Net charge-offs to loans | 0.2370% | 1,371 |
| Credit loss provision to net charge-offs | 95.2381% | 1,747 |
| Earnings coverage of net charge-offs (x) | 11.9048% | 1,749 |
| Efficiency ratio | 62.4812% | 5,062 |
| Assets per employee ($millions) | 4.6712% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 2,421 |
| Loan loss allowance to noncurrent loans | 91.7702% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 2,394 |
| Noncurrent loans to loans | 1.8299% | 2,101 |
| Net loans and leases to total assets | 55.5570% | 4,200 |
| Net loans and leases to deposits | 66.1298% | 4,078 |
| Net loans and leases to core deposits | 75.5139% | 3,461 |
| Total domestic deposits to total assets | 84.0120% | 4,269 |
| Equity capital to assets | 7.8541% | 6,144 |
| Core capital (leverage) ratio | 9.4209% | 4,390 |
| Tier 1 risk-based capital ratio | 14.7915% | 3,821 |
| Total risk-based capital ratio | 16.0439% | 3,772 |
| Memoranda: | ||
| Average total assets | $186,934,000 | 3,210 |
| Average earning assets | $176,919,500 | 3,138 |
| Average equity | $13,753,000 | 4,090 |
| Average total loans | $106,346,500 | 3,334 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 1,865 |
| Cost of funding earning assets | 0.5593% | 3,026 |
| Net interest margin | 4.0450% | 1,821 |
| Noninterest income to average assets | 0.5361% | 3,510 |
| Noninterest expense to average assets | 2.6511% | 4,278 |
| Loan and lease loss provision to assets | 0.0055% | 5,015 |
| Net operating income to assets | 1.6883% | 591 |
| Return on assets (ROA) | 1.6883% | 601 |
| Pretax return on assets | 1.6883% | 978 |
| Return on Equity (ROE) | 20.3130% | 266 |
| Retained earnings to average equity (ytd only) | 5.1281% | 2,508 |
| Net charge-offs to loans | 0.2560% | 2,433 |
| Credit loss provision to net charge-offs | 3.9841% | 4,664 |
| Earnings coverage of net charge-offs (x) | 12.2231% | 2,147 |
| Efficiency ratio | 61.0165% | 5,356 |
| Assets per employee ($millions) | 4.5615% | 2,799 |
| Cash dividends to net income (ytd only)* | 74.7547% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 2,540 |
| Loan loss allowance to noncurrent loans | 105.5886% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 2,726 |
| Noncurrent loans to loans | 1.5703% | 2,543 |
| Net loans and leases to total assets | 56.3239% | 4,269 |
| Net loans and leases to deposits | 66.2912% | 4,268 |
| Net loans and leases to core deposits | 75.6391% | 3,654 |
| Total domestic deposits to total assets | 84.9643% | 3,769 |
| Equity capital to assets | 6.8607% | 6,492 |
| Core capital (leverage) ratio | 9.2194% | 4,695 |
| Tier 1 risk-based capital ratio | 13.8844% | 4,373 |
| Total risk-based capital ratio | 15.1364% | 4,315 |
| Memoranda: | ||
| Average total assets | $181,133,400 | 3,265 |
| Average earning assets | $170,557,200 | 3,212 |
| Average equity | $15,054,400 | 3,860 |
| Average total loans | $98,033,200 | 3,499 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,883 |
| Cost of funding earning assets | 0.5737% | 3,060 |
| Net interest margin | 4.0323% | 1,837 |
| Noninterest income to average assets | 0.5499% | 3,458 |
| Noninterest expense to average assets | 2.6301% | 4,278 |
| Loan and lease loss provision to assets | 0.0074% | 4,826 |
| Net operating income to assets | 1.7046% | 625 |
| Return on assets (ROA) | 1.7046% | 651 |
| Pretax return on assets | 1.7046% | 1,084 |
| Return on Equity (ROE) | 19.6191% | 328 |
| Retained earnings to average equity (ytd only) | 10.0872% | 770 |
| Net charge-offs to loans | 0.3133% | 1,973 |
| Credit loss provision to net charge-offs | 4.4444% | 4,284 |
| Earnings coverage of net charge-offs (x) | 10.2534% | 2,385 |
| Efficiency ratio | 60.5708% | 5,350 |
| Assets per employee ($millions) | 4.4470% | 2,966 |
| Cash dividends to net income (ytd only)* | 48.5850% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 2,310 |
| Loan loss allowance to noncurrent loans | 104.8284% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.4671% | 2,739 |
| Noncurrent loans to loans | 1.7149% | 2,624 |
| Net loans and leases to total assets | 53.9893% | 4,618 |
| Net loans and leases to deposits | 63.3426% | 4,586 |
| Net loans and leases to core deposits | 72.0258% | 4,087 |
| Total domestic deposits to total assets | 85.2337% | 3,619 |
| Equity capital to assets | 7.3154% | 6,454 |
| Core capital (leverage) ratio | 9.5674% | 4,302 |
| Tier 1 risk-based capital ratio | 15.1405% | 3,662 |
| Total risk-based capital ratio | 16.3944% | 3,618 |
| Memoranda: | ||
| Average total assets | $179,661,250 | 3,298 |
| Average earning assets | $168,966,000 | 3,258 |
| Average equity | $15,610,250 | 3,809 |
| Average total loans | $95,763,000 | 3,583 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 1,965 |
| Cost of funding earning assets | 0.5886% | 3,046 |
| Net interest margin | 3.9788% | 1,934 |
| Noninterest income to average assets | 0.5280% | 3,647 |
| Noninterest expense to average assets | 2.6123% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6669% | 663 |
| Return on assets (ROA) | 1.6669% | 727 |
| Pretax return on assets | 1.6669% | 1,192 |
| Return on Equity (ROE) | 18.2066% | 450 |
| Retained earnings to average equity (ytd only) | 11.7549% | 533 |
| Net charge-offs to loans | 0.3755% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.4181% | 2,398 |
| Efficiency ratio | 61.0458% | 5,325 |
| Assets per employee ($millions) | 4.5814% | 2,673 |
| Cash dividends to net income (ytd only)* | 35.4362% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 2,294 |
| Loan loss allowance to noncurrent loans | 143.1571% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 3,186 |
| Noncurrent loans to loans | 1.2853% | 3,406 |
| Net loans and leases to total assets | 53.5931% | 4,647 |
| Net loans and leases to deposits | 62.4548% | 4,680 |
| Net loans and leases to core deposits | 70.8304% | 4,184 |
| Total domestic deposits to total assets | 85.8110% | 3,471 |
| Equity capital to assets | 8.4129% | 5,858 |
| Core capital (leverage) ratio | 9.4781% | 4,283 |
| Tier 1 risk-based capital ratio | 15.0201% | 3,765 |
| Total risk-based capital ratio | 16.2747% | 3,727 |
| Memoranda: | ||
| Average total assets | $178,772,670 | 3,327 |
| Average earning assets | $168,541,670 | 3,274 |
| Average equity | $16,367,670 | 3,713 |
| Average total loans | $94,271,000 | 3,626 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,886 |
| Cost of funding earning assets | 0.6092% | 3,019 |
| Net interest margin | 3.9729% | 1,883 |
| Noninterest income to average assets | 0.5189% | 3,642 |
| Noninterest expense to average assets | 2.6579% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5997% | 712 |
| Return on assets (ROA) | 1.5997% | 775 |
| Pretax return on assets | 1.5997% | 1,308 |
| Return on Equity (ROE) | 16.7666% | 531 |
| Retained earnings to average equity (ytd only) | 16.7666% | 241 |
| Net charge-offs to loans | 0.5428% | 1,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.6935% | 2,335 |
| Efficiency ratio | 62.4268% | 5,249 |
| Assets per employee ($millions) | 4.4296% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 1,801 |
| Loan loss allowance to noncurrent loans | 141.4488% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.3500% | 3,256 |
| Noncurrent loans to loans | 1.4831% | 3,335 |
| Net loans and leases to total assets | 49.8857% | 5,008 |
| Net loans and leases to deposits | 55.4034% | 5,308 |
| Net loans and leases to core deposits | 62.8879% | 4,861 |
| Total domestic deposits to total assets | 90.0408% | 1,021 |
| Equity capital to assets | 9.6584% | 4,631 |
| Core capital (leverage) ratio | 9.7106% | 3,780 |
| Tier 1 risk-based capital ratio | 16.2383% | 3,133 |
| Total risk-based capital ratio | 17.4922% | 3,084 |
| Memoranda: | ||
| Average total assets | $176,531,500 | 3,394 |
| Average earning assets | $166,126,000 | 3,341 |
| Average equity | $16,843,000 | 3,692 |
| Average total loans | $91,380,000 | 3,708 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 1,089 |
| Cost of funding earning assets | 0.8129% | 2,559 |
| Net interest margin | 4.4026% | 1,159 |
| Noninterest income to average assets | 0.6497% | 2,990 |
| Noninterest expense to average assets | 2.8166% | 3,963 |
| Loan and lease loss provision to assets | 0.4211% | 1,514 |
| Net operating income to assets | 1.5725% | 795 |
| Return on assets (ROA) | 1.5725% | 872 |
| Pretax return on assets | 1.5725% | 1,456 |
| Return on Equity (ROE) | 15.6334% | 718 |
| Retained earnings to average equity (ytd only) | 3.9113% | 3,449 |
| Net charge-offs to loans | 0.3842% | 2,719 |
| Credit loss provision to net charge-offs | 184.2105% | 1,426 |
| Earnings coverage of net charge-offs (x) | 8.7211% | 2,367 |
| Efficiency ratio | 58.5543% | 5,755 |
| Assets per employee ($millions) | 4.3970% | 3,154 |
| Cash dividends to net income (ytd only)* | 74.9809% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,579 |
| Loan loss allowance to noncurrent loans | 123.7278% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 3,122 |
| Noncurrent loans to loans | 1.7637% | 2,969 |
| Net loans and leases to total assets | 51.4322% | 4,984 |
| Net loans and leases to deposits | 56.9742% | 5,338 |
| Net loans and leases to core deposits | 61.4581% | 5,210 |
| Total domestic deposits to total assets | 90.2729% | 815 |
| Equity capital to assets | 9.4229% | 4,970 |
| Core capital (leverage) ratio | 9.2017% | 4,579 |
| Tier 1 risk-based capital ratio | 15.8390% | 3,249 |
| Total risk-based capital ratio | 17.0978% | 3,199 |
| Memoranda: | ||
| Average total assets | $166,231,000 | 3,517 |
| Average earning assets | $157,088,200 | 3,415 |
| Average equity | $16,720,600 | 3,669 |
| Average total loans | $98,901,800 | 3,554 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 905 |
| Cost of funding earning assets | 0.8562% | 2,489 |
| Net interest margin | 4.5022% | 984 |
| Noninterest income to average assets | 0.6617% | 2,922 |
| Noninterest expense to average assets | 2.8429% | 3,831 |
| Loan and lease loss provision to assets | 0.4395% | 1,434 |
| Net operating income to assets | 1.6245% | 801 |
| Return on assets (ROA) | 1.6245% | 882 |
| Pretax return on assets | 1.6245% | 1,494 |
| Return on Equity (ROE) | 15.8811% | 757 |
| Retained earnings to average equity (ytd only) | 7.2563% | 1,975 |
| Net charge-offs to loans | 0.5028% | 2,108 |
| Credit loss provision to net charge-offs | 142.4802% | 2,022 |
| Earnings coverage of net charge-offs (x) | 6.6913% | 2,738 |
| Efficiency ratio | 57.9366% | 5,800 |
| Assets per employee ($millions) | 4.3282% | 3,216 |
| Cash dividends to net income (ytd only)* | 54.3087% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 2,386 |
| Loan loss allowance to noncurrent loans | 197.8723% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 4,029 |
| Noncurrent loans to loans | 0.9760% | 4,487 |
| Net loans and leases to total assets | 54.5536% | 4,659 |
| Net loans and leases to deposits | 60.6974% | 5,125 |
| Net loans and leases to core deposits | 68.7522% | 4,643 |
| Total domestic deposits to total assets | 89.8780% | 908 |
| Equity capital to assets | 9.7535% | 4,845 |
| Core capital (leverage) ratio | 9.8354% | 3,772 |
| Tier 1 risk-based capital ratio | 16.2612% | 3,127 |
| Total risk-based capital ratio | 17.5185% | 3,090 |
| Memoranda: | ||
| Average total assets | $163,818,750 | 3,582 |
| Average earning assets | $154,468,500 | 3,514 |
| Average equity | $16,757,500 | 3,697 |
| Average total loans | $100,508,000 | 3,546 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 641 |
| Cost of funding earning assets | 0.8891% | 2,491 |
| Net interest margin | 4.6628% | 728 |
| Noninterest income to average assets | 0.7031% | 2,652 |
| Noninterest expense to average assets | 2.8373% | 3,877 |
| Loan and lease loss provision to assets | 0.4480% | 1,439 |
| Net operating income to assets | 1.7970% | 569 |
| Return on assets (ROA) | 1.7970% | 635 |
| Pretax return on assets | 1.7970% | 1,048 |
| Return on Equity (ROE) | 17.2782% | 602 |
| Retained earnings to average equity (ytd only) | 10.7211% | 800 |
| Net charge-offs to loans | 0.3925% | 2,451 |
| Credit loss provision to net charge-offs | 180.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 9.0200% | 2,213 |
| Efficiency ratio | 55.8276% | 6,135 |
| Assets per employee ($millions) | 4.1111% | 3,639 |
| Cash dividends to net income (ytd only)* | 37.9501% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 2,841 |
| Loan loss allowance to noncurrent loans | 148.4026% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 1.8699% | 2,946 |
| Noncurrent loans to loans | 1.2157% | 4,120 |
| Net loans and leases to total assets | 61.4945% | 3,534 |
| Net loans and leases to deposits | 68.9485% | 4,046 |
| Net loans and leases to core deposits | 78.2536% | 3,475 |
| Total domestic deposits to total assets | 89.1890% | 1,396 |
| Equity capital to assets | 10.4254% | 3,775 |
| Core capital (leverage) ratio | 10.1249% | 3,238 |
| Tier 1 risk-based capital ratio | 15.7987% | 3,275 |
| Total risk-based capital ratio | 17.0550% | 3,238 |
| Memoranda: | ||
| Average total assets | $160,716,000 | 3,649 |
| Average earning assets | $150,940,330 | 3,583 |
| Average equity | $16,714,670 | 3,698 |
| Average total loans | $101,908,330 | 3,516 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 554 |
| Cost of funding earning assets | 0.9118% | 2,594 |
| Net interest margin | 4.7554% | 620 |
| Noninterest income to average assets | 0.7328% | 2,481 |
| Noninterest expense to average assets | 2.8882% | 3,670 |
| Loan and lease loss provision to assets | 0.4533% | 1,361 |
| Net operating income to assets | 1.8432% | 549 |
| Return on assets (ROA) | 1.8432% | 621 |
| Pretax return on assets | 1.8432% | 990 |
| Return on Equity (ROE) | 17.7455% | 578 |
| Retained earnings to average equity (ytd only) | 17.7455% | 271 |
| Net charge-offs to loans | -0.1105% | 6,825 |
| Credit loss provision to net charge-offs | -642.8571% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7067% | 6,155 |
| Assets per employee ($millions) | 4.0097% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,709 |
| Loan loss allowance to noncurrent loans | 132.0859% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 2.0444% | 2,833 |
| Noncurrent loans to loans | 1.4304% | 3,968 |
| Net loans and leases to total assets | 61.7075% | 3,317 |
| Net loans and leases to deposits | 69.1768% | 3,847 |
| Net loans and leases to core deposits | 77.4702% | 3,397 |
| Total domestic deposits to total assets | 89.2025% | 1,560 |
| Equity capital to assets | 10.4178% | 3,598 |
| Core capital (leverage) ratio | 10.3429% | 2,937 |
| Tier 1 risk-based capital ratio | 16.0739% | 3,137 |
| Total risk-based capital ratio | 17.3315% | 3,099 |
| Memoranda: | ||
| Average total assets | $158,852,000 | 3,706 |
| Average earning assets | $148,716,500 | 3,644 |
| Average equity | $16,500,000 | 3,731 |
| Average total loans | $101,371,500 | 3,557 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9484% | 471 |
| Cost of funding earning assets | 1.0127% | 3,283 |
| Net interest margin | 4.9358% | 470 |
| Noninterest income to average assets | 0.6275% | 3,017 |
| Noninterest expense to average assets | 2.9283% | 3,851 |
| Loan and lease loss provision to assets | 0.4569% | 2,314 |
| Net operating income to assets | 1.7824% | 473 |
| Return on assets (ROA) | 1.7824% | 515 |
| Pretax return on assets | 1.7824% | 837 |
| Return on Equity (ROE) | 17.8494% | 397 |
| Retained earnings to average equity (ytd only) | 4.4544% | 3,001 |
| Net charge-offs to loans | 0.6708% | 2,480 |
| Credit loss provision to net charge-offs | 103.7464% | 3,328 |
| Earnings coverage of net charge-offs (x) | 5.0850% | 2,902 |
| Efficiency ratio | 56.6675% | 6,231 |
| Assets per employee ($millions) | 3.9329% | 4,001 |
| Cash dividends to net income (ytd only)* | 75.0445% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 3,317 |
| Loan loss allowance to noncurrent loans | 136.3855% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 3,134 |
| Noncurrent loans to loans | 1.2222% | 4,328 |
| Net loans and leases to total assets | 63.6729% | 3,255 |
| Net loans and leases to deposits | 71.3303% | 3,898 |
| Net loans and leases to core deposits | 79.9143% | 3,455 |
| Total domestic deposits to total assets | 89.2649% | 1,388 |
| Equity capital to assets | 10.3557% | 3,706 |
| Core capital (leverage) ratio | 9.8153% | 3,570 |
| Tier 1 risk-based capital ratio | 15.2578% | 3,478 |
| Total risk-based capital ratio | 16.5107% | 3,435 |
| Memoranda: | ||
| Average total assets | $157,598,400 | 3,664 |
| Average earning assets | $144,962,200 | 3,659 |
| Average equity | $15,737,200 | 3,764 |
| Average total loans | $103,463,600 | 3,533 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 491 |
| Cost of funding earning assets | 1.0259% | 3,496 |
| Net interest margin | 4.9380% | 469 |
| Noninterest income to average assets | 0.6156% | 3,076 |
| Noninterest expense to average assets | 2.9157% | 3,862 |
| Loan and lease loss provision to assets | 0.4566% | 2,175 |
| Net operating income to assets | 1.7817% | 537 |
| Return on assets (ROA) | 1.7817% | 585 |
| Pretax return on assets | 1.7817% | 988 |
| Return on Equity (ROE) | 18.0095% | 456 |
| Retained earnings to average equity (ytd only) | 8.8980% | 1,181 |
| Net charge-offs to loans | 0.3325% | 3,425 |
| Credit loss provision to net charge-offs | 208.4942% | 1,399 |
| Earnings coverage of net charge-offs (x) | 10.2202% | 1,952 |
| Efficiency ratio | 56.5710% | 6,197 |
| Assets per employee ($millions) | 3.9490% | 3,959 |
| Cash dividends to net income (ytd only)* | 50.5934% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 2,653 |
| Loan loss allowance to noncurrent loans | 126.5716% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 2.2050% | 2,888 |
| Noncurrent loans to loans | 1.4916% | 4,057 |
| Net loans and leases to total assets | 64.2511% | 3,259 |
| Net loans and leases to deposits | 72.1842% | 3,955 |
| Net loans and leases to core deposits | 79.8903% | 3,656 |
| Total domestic deposits to total assets | 89.0099% | 1,427 |
| Equity capital to assets | 10.5552% | 3,637 |
| Core capital (leverage) ratio | 10.2367% | 3,147 |
| Tier 1 risk-based capital ratio | 15.3344% | 3,471 |
| Total risk-based capital ratio | 16.5898% | 3,435 |
| Memoranda: | ||
| Average total assets | $157,669,250 | 3,699 |
| Average earning assets | $144,914,250 | 3,683 |
| Average equity | $15,598,750 | 3,806 |
| Average total loans | $103,863,250 | 3,546 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 523 |
| Cost of funding earning assets | 1.0348% | 3,705 |
| Net interest margin | 4.9145% | 471 |
| Noninterest income to average assets | 0.6105% | 3,069 |
| Noninterest expense to average assets | 2.8926% | 4,048 |
| Loan and lease loss provision to assets | 0.4569% | 2,138 |
| Net operating income to assets | 1.8062% | 498 |
| Return on assets (ROA) | 1.8062% | 529 |
| Pretax return on assets | 1.8062% | 871 |
| Return on Equity (ROE) | 18.6737% | 408 |
| Retained earnings to average equity (ytd only) | 11.5349% | 585 |
| Net charge-offs to loans | 0.2500% | 3,629 |
| Credit loss provision to net charge-offs | 276.9231% | 1,099 |
| Earnings coverage of net charge-offs (x) | 13.7154% | 1,525 |
| Efficiency ratio | 56.1054% | 6,415 |
| Assets per employee ($millions) | 3.8279% | 4,130 |
| Cash dividends to net income (ytd only)* | 38.2291% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 2,750 |
| Loan loss allowance to noncurrent loans | 227.6316% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.9363% | 3,325 |
| Noncurrent loans to loans | 0.8239% | 5,283 |
| Net loans and leases to total assets | 63.4420% | 3,591 |
| Net loans and leases to deposits | 71.0593% | 4,281 |
| Net loans and leases to core deposits | 77.3430% | 4,144 |
| Total domestic deposits to total assets | 89.2803% | 1,371 |
| Equity capital to assets | 10.2807% | 3,778 |
| Core capital (leverage) ratio | 10.0831% | 3,161 |
| Tier 1 risk-based capital ratio | 15.4418% | 3,281 |
| Total risk-based capital ratio | 16.6984% | 3,216 |
| Memoranda: | ||
| Average total assets | $157,572,330 | 3,722 |
| Average earning assets | $145,730,670 | 3,697 |
| Average equity | $15,240,670 | 3,865 |
| Average total loans | $104,003,000 | 3,583 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9794% | 491 |
| Cost of funding earning assets | 1.0484% | 3,858 |
| Net interest margin | 4.9310% | 432 |
| Noninterest income to average assets | 0.6030% | 3,140 |
| Noninterest expense to average assets | 2.8831% | 4,134 |
| Loan and lease loss provision to assets | 0.4560% | 1,932 |
| Net operating income to assets | 1.8393% | 455 |
| Return on assets (ROA) | 1.8393% | 480 |
| Pretax return on assets | 1.8393% | 755 |
| Return on Equity (ROE) | 19.6302% | 354 |
| Retained earnings to average equity (ytd only) | 19.6302% | 176 |
| Net charge-offs to loans | 0.3762% | 2,565 |
| Credit loss provision to net charge-offs | 181.8182% | 1,610 |
| Earnings coverage of net charge-offs (x) | 9.1515% | 1,757 |
| Efficiency ratio | 55.6751% | 6,538 |
| Assets per employee ($millions) | 3.7996% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 3,323 |
| Loan loss allowance to noncurrent loans | 395.7111% | 793 |
| Noncurrent assets plus other real estate owned to assets | 1.8789% | 3,460 |
| Noncurrent loans to loans | 0.4309% | 6,140 |
| Net loans and leases to total assets | 64.8661% | 3,271 |
| Net loans and leases to deposits | 72.3151% | 4,020 |
| Net loans and leases to core deposits | 79.7926% | 3,785 |
| Total domestic deposits to total assets | 89.6992% | 1,355 |
| Equity capital to assets | 9.8682% | 3,942 |
| Core capital (leverage) ratio | 9.9537% | 3,195 |
| Tier 1 risk-based capital ratio | 15.1083% | 3,368 |
| Total risk-based capital ratio | 16.3644% | 3,326 |
| Memoranda: | ||
| Average total assets | $157,886,000 | 3,740 |
| Average earning assets | $146,503,000 | 3,705 |
| Average equity | $14,793,500 | 3,941 |
| Average total loans | $105,268,500 | 3,593 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2809% | 481 |
| Cost of funding earning assets | 1.2557% | 4,175 |
| Net interest margin | 5.0251% | 409 |
| Noninterest income to average assets | 0.6596% | 3,086 |
| Noninterest expense to average assets | 3.0389% | 3,701 |
| Loan and lease loss provision to assets | 0.3914% | 3,768 |
| Net operating income to assets | 1.8841% | 351 |
| Return on assets (ROA) | 1.8841% | 372 |
| Pretax return on assets | 1.8841% | 634 |
| Return on Equity (ROE) | 19.3961% | 289 |
| Retained earnings to average equity (ytd only) | 4.9162% | 2,462 |
| Net charge-offs to loans | 0.8236% | 2,572 |
| Credit loss provision to net charge-offs | 70.9220% | 5,837 |
| Earnings coverage of net charge-offs (x) | 4.1229% | 3,053 |
| Efficiency ratio | 57.1814% | 6,438 |
| Assets per employee ($millions) | 3.9021% | 3,999 |
| Cash dividends to net income (ytd only)* | 74.6537% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,758 |
| Loan loss allowance to noncurrent loans | 92.5844% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9051% | 3,466 |
| Noncurrent loans to loans | 1.6773% | 3,983 |
| Net loans and leases to total assets | 66.2925% | 3,405 |
| Net loans and leases to deposits | 73.0914% | 4,345 |
| Net loans and leases to core deposits | 80.9180% | 4,074 |
| Total domestic deposits to total assets | 90.6981% | 750 |
| Equity capital to assets | 8.8844% | 5,313 |
| Core capital (leverage) ratio | 9.3053% | 4,003 |
| Tier 1 risk-based capital ratio | 13.8500% | 3,964 |
| Total risk-based capital ratio | 15.1054% | 3,945 |
| Memoranda: | ||
| Average total assets | $153,281,000 | 3,824 |
| Average earning assets | $141,987,000 | 3,782 |
| Average equity | $14,889,600 | 3,961 |
| Average total loans | $102,725,600 | 3,721 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3527% | 456 |
| Cost of funding earning assets | 1.3098% | 4,155 |
| Net interest margin | 5.0430% | 394 |
| Noninterest income to average assets | 0.6587% | 3,082 |
| Noninterest expense to average assets | 3.0728% | 3,456 |
| Loan and lease loss provision to assets | 0.3958% | 3,529 |
| Net operating income to assets | 1.8495% | 450 |
| Return on assets (ROA) | 1.8495% | 497 |
| Pretax return on assets | 1.8495% | 848 |
| Return on Equity (ROE) | 18.6202% | 421 |
| Retained earnings to average equity (ytd only) | 9.6953% | 866 |
| Net charge-offs to loans | 0.8856% | 2,229 |
| Credit loss provision to net charge-offs | 66.7656% | 5,516 |
| Earnings coverage of net charge-offs (x) | 3.7878% | 3,298 |
| Efficiency ratio | 57.7807% | 6,302 |
| Assets per employee ($millions) | 3.7440% | 4,405 |
| Cash dividends to net income (ytd only)* | 47.9317% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 3,478 |
| Loan loss allowance to noncurrent loans | 88.8365% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 3,669 |
| Noncurrent loans to loans | 1.8142% | 3,928 |
| Net loans and leases to total assets | 65.8043% | 3,733 |
| Net loans and leases to deposits | 73.6196% | 4,579 |
| Net loans and leases to core deposits | 80.6057% | 4,426 |
| Total domestic deposits to total assets | 89.3843% | 1,185 |
| Equity capital to assets | 10.1311% | 3,977 |
| Core capital (leverage) ratio | 9.8626% | 3,412 |
| Tier 1 risk-based capital ratio | 14.5819% | 3,466 |
| Total risk-based capital ratio | 15.8366% | 3,433 |
| Memoranda: | ||
| Average total assets | $151,604,250 | 3,904 |
| Average earning assets | $140,073,000 | 3,872 |
| Average equity | $15,058,500 | 3,977 |
| Average total loans | $101,473,750 | 3,816 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3755% | 432 |
| Cost of funding earning assets | 1.3666% | 4,081 |
| Net interest margin | 5.0089% | 411 |
| Noninterest income to average assets | 0.6492% | 3,019 |
| Noninterest expense to average assets | 3.0844% | 3,377 |
| Loan and lease loss provision to assets | 0.4007% | 3,320 |
| Net operating income to assets | 1.8007% | 486 |
| Return on assets (ROA) | 1.8007% | 527 |
| Pretax return on assets | 1.8007% | 884 |
| Return on Equity (ROE) | 18.2561% | 441 |
| Retained earnings to average equity (ytd only) | 11.6471% | 542 |
| Net charge-offs to loans | 0.5387% | 2,912 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 6.1037% | 2,523 |
| Efficiency ratio | 58.3523% | 6,330 |
| Assets per employee ($millions) | 3.5845% | 4,727 |
| Cash dividends to net income (ytd only)* | 36.2018% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 2,443 |
| Loan loss allowance to noncurrent loans | 81.4722% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 2.1873% | 3,275 |
| Noncurrent loans to loans | 2.3179% | 3,348 |
| Net loans and leases to total assets | 67.2251% | 3,567 |
| Net loans and leases to deposits | 75.2349% | 4,481 |
| Net loans and leases to core deposits | 83.9779% | 4,145 |
| Total domestic deposits to total assets | 89.3536% | 1,253 |
| Equity capital to assets | 10.1343% | 3,849 |
| Core capital (leverage) ratio | 9.9747% | 3,192 |
| Tier 1 risk-based capital ratio | 14.6061% | 3,381 |
| Total risk-based capital ratio | 15.8612% | 3,348 |
| Memoranda: | ||
| Average total assets | $149,723,000 | 3,958 |
| Average earning assets | $138,592,670 | 3,927 |
| Average equity | $14,767,670 | 4,038 |
| Average total loans | $100,241,330 | 3,889 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3987% | 436 |
| Cost of funding earning assets | 1.4184% | 4,057 |
| Net interest margin | 4.9803% | 436 |
| Noninterest income to average assets | 0.6430% | 2,972 |
| Noninterest expense to average assets | 3.0835% | 3,332 |
| Loan and lease loss provision to assets | 0.4018% | 2,961 |
| Net operating income to assets | 1.7574% | 546 |
| Return on assets (ROA) | 1.7574% | 597 |
| Pretax return on assets | 1.7574% | 961 |
| Return on Equity (ROE) | 18.0679% | 512 |
| Retained earnings to average equity (ytd only) | 18.0679% | 246 |
| Net charge-offs to loans | 0.6803% | 2,130 |
| Credit loss provision to net charge-offs | 89.2857% | 3,673 |
| Earnings coverage of net charge-offs (x) | 4.7976% | 2,548 |
| Efficiency ratio | 58.8145% | 6,363 |
| Assets per employee ($millions) | 3.5864% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 2,396 |
| Loan loss allowance to noncurrent loans | 58.4025% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.8886% | 2,486 |
| Noncurrent loans to loans | 3.2794% | 2,432 |
| Net loans and leases to total assets | 64.6316% | 4,188 |
| Net loans and leases to deposits | 72.1943% | 5,024 |
| Net loans and leases to core deposits | 80.5704% | 4,690 |
| Total domestic deposits to total assets | 89.5246% | 1,229 |
| Equity capital to assets | 9.9848% | 3,898 |
| Core capital (leverage) ratio | 9.9979% | 3,164 |
| Tier 1 risk-based capital ratio | 14.6315% | 3,302 |
| Total risk-based capital ratio | 15.8891% | 3,260 |
| Memoranda: | ||
| Average total assets | $149,310,500 | 4,020 |
| Average earning assets | $137,902,500 | 4,000 |
| Average equity | $14,523,000 | 4,115 |
| Average total loans | $98,785,000 | 3,997 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2753% | 1,068 |
| Cost of funding earning assets | 1.8102% | 3,934 |
| Net interest margin | 4.4652% | 1,256 |
| Noninterest income to average assets | 0.6394% | 3,358 |
| Noninterest expense to average assets | 3.0793% | 3,835 |
| Loan and lease loss provision to assets | 0.5489% | 3,622 |
| Net operating income to assets | 1.2309% | 1,175 |
| Return on assets (ROA) | 1.2309% | 1,228 |
| Pretax return on assets | 1.2309% | 1,867 |
| Return on Equity (ROE) | 13.1450% | 931 |
| Retained earnings to average equity (ytd only) | 3.3395% | 2,834 |
| Net charge-offs to loans | 0.6228% | 3,342 |
| Credit loss provision to net charge-offs | 137.0432% | 3,595 |
| Earnings coverage of net charge-offs (x) | 4.4435% | 2,953 |
| Efficiency ratio | 63.3712% | 5,896 |
| Assets per employee ($millions) | 3.5236% | 4,956 |
| Cash dividends to net income (ytd only)* | 74.5946% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 2,142 |
| Loan loss allowance to noncurrent loans | 62.3132% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.9002% | 2,419 |
| Noncurrent loans to loans | 3.1308% | 2,446 |
| Net loans and leases to total assets | 65.1366% | 4,351 |
| Net loans and leases to deposits | 72.3468% | 5,278 |
| Net loans and leases to core deposits | 104.2716% | 3,540 |
| Total domestic deposits to total assets | 90.0339% | 941 |
| Equity capital to assets | 9.4640% | 4,468 |
| Core capital (leverage) ratio | 9.3387% | 3,916 |
| Tier 1 risk-based capital ratio | 14.0126% | 3,489 |
| Total risk-based capital ratio | 15.2702% | 3,439 |
| Memoranda: | ||
| Average total assets | $150,293,200 | 3,954 |
| Average earning assets | $142,032,400 | 3,856 |
| Average equity | $14,073,800 | 4,232 |
| Average total loans | $96,659,400 | 4,045 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3064% | 1,125 |
| Cost of funding earning assets | 1.8613% | 4,091 |
| Net interest margin | 4.4451% | 1,330 |
| Noninterest income to average assets | 0.6169% | 3,570 |
| Noninterest expense to average assets | 3.0295% | 3,933 |
| Loan and lease loss provision to assets | 0.5965% | 3,005 |
| Net operating income to assets | 1.1931% | 1,483 |
| Return on assets (ROA) | 1.1931% | 1,540 |
| Pretax return on assets | 1.1931% | 2,288 |
| Return on Equity (ROE) | 12.7741% | 1,152 |
| Retained earnings to average equity (ytd only) | 6.3397% | 1,797 |
| Net charge-offs to loans | 0.7079% | 2,578 |
| Credit loss provision to net charge-offs | 132.0939% | 3,788 |
| Earnings coverage of net charge-offs (x) | 3.9628% | 3,319 |
| Efficiency ratio | 62.8645% | 5,955 |
| Assets per employee ($millions) | 3.1544% | 5,771 |
| Cash dividends to net income (ytd only)* | 50.3700% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9229% | 1,971 |
| Loan loss allowance to noncurrent loans | 77.0410% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 2.5189% | 2,751 |
| Noncurrent loans to loans | 2.4959% | 3,019 |
| Net loans and leases to total assets | 62.6234% | 5,132 |
| Net loans and leases to deposits | 69.7426% | 5,948 |
| Net loans and leases to core deposits | 100.6176% | 4,304 |
| Total domestic deposits to total assets | 89.7922% | 847 |
| Equity capital to assets | 9.5428% | 4,689 |
| Core capital (leverage) ratio | 9.5610% | 3,833 |
| Tier 1 risk-based capital ratio | 14.3044% | 3,382 |
| Total risk-based capital ratio | 15.5582% | 3,326 |
| Memoranda: | ||
| Average total assets | $150,868,500 | 3,968 |
| Average earning assets | $142,624,500 | 3,876 |
| Average equity | $14,090,750 | 4,272 |
| Average total loans | $96,245,500 | 4,076 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4794% | 861 |
| Cost of funding earning assets | 1.9312% | 4,105 |
| Net interest margin | 4.5482% | 1,058 |
| Noninterest income to average assets | 0.6225% | 3,522 |
| Noninterest expense to average assets | 2.9863% | 4,143 |
| Loan and lease loss provision to assets | 0.6636% | 2,441 |
| Net operating income to assets | 1.2675% | 1,310 |
| Return on assets (ROA) | 1.2675% | 1,390 |
| Pretax return on assets | 1.2675% | 2,113 |
| Return on Equity (ROE) | 13.6709% | 1,045 |
| Retained earnings to average equity (ytd only) | 8.8037% | 986 |
| Net charge-offs to loans | 0.6389% | 2,443 |
| Credit loss provision to net charge-offs | 162.8664% | 2,822 |
| Earnings coverage of net charge-offs (x) | 4.7394% | 3,019 |
| Efficiency ratio | 60.7287% | 6,440 |
| Assets per employee ($millions) | 3.1174% | 5,815 |
| Cash dividends to net income (ytd only)* | 35.6021% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 1,698 |
| Loan loss allowance to noncurrent loans | 141.8482% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 3,505 |
| Noncurrent loans to loans | 1.3663% | 4,480 |
| Net loans and leases to total assets | 63.8435% | 5,018 |
| Net loans and leases to deposits | 70.8571% | 5,889 |
| Net loans and leases to core deposits | 101.1970% | 4,381 |
| Total domestic deposits to total assets | 90.1018% | 785 |
| Equity capital to assets | 9.1658% | 5,070 |
| Core capital (leverage) ratio | 9.3774% | 4,057 |
| Tier 1 risk-based capital ratio | 14.1491% | 3,427 |
| Total risk-based capital ratio | 15.4070% | 3,364 |
| Memoranda: | ||
| Average total assets | $150,687,000 | 3,981 |
| Average earning assets | $142,297,330 | 3,897 |
| Average equity | $13,971,330 | 4,311 |
| Average total loans | $96,101,000 | 4,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5802% | 744 |
| Cost of funding earning assets | 1.9934% | 4,164 |
| Net interest margin | 4.5868% | 960 |
| Noninterest income to average assets | 0.5978% | 3,566 |
| Noninterest expense to average assets | 2.9177% | 4,094 |
| Loan and lease loss provision to assets | 0.7274% | 1,765 |
| Net operating income to assets | 1.2803% | 1,435 |
| Return on assets (ROA) | 1.2803% | 1,535 |
| Pretax return on assets | 1.2803% | 2,346 |
| Return on Equity (ROE) | 13.7310% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.7310% | 536 |
| Net charge-offs to loans | 0.4401% | 2,353 |
| Credit loss provision to net charge-offs | 261.9048% | 1,805 |
| Earnings coverage of net charge-offs (x) | 7.2286% | 2,373 |
| Efficiency ratio | 59.2374% | 6,519 |
| Assets per employee ($millions) | 3.1627% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9750% | 1,471 |
| Loan loss allowance to noncurrent loans | 129.5139% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.5882% | 3,538 |
| Noncurrent loans to loans | 1.5249% | 3,995 |
| Net loans and leases to total assets | 60.9745% | 5,501 |
| Net loans and leases to deposits | 67.9074% | 6,195 |
| Net loans and leases to core deposits | 99.0064% | 4,640 |
| Total domestic deposits to total assets | 89.7906% | 891 |
| Equity capital to assets | 9.4684% | 4,712 |
| Core capital (leverage) ratio | 9.4277% | 4,073 |
| Tier 1 risk-based capital ratio | 14.3688% | 3,383 |
| Total risk-based capital ratio | 15.6265% | 3,300 |
| Memoranda: | ||
| Average total assets | $151,214,000 | 3,991 |
| Average earning assets | $142,671,500 | 3,902 |
| Average equity | $14,099,500 | 4,311 |
| Average total loans | $95,442,000 | 4,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3256% | 566 |
| Cost of funding earning assets | 2.9013% | 2,264 |
| Net interest margin | 4.4243% | 1,614 |
| Noninterest income to average assets | 0.6165% | 3,732 |
| Noninterest expense to average assets | 2.8175% | 4,749 |
| Loan and lease loss provision to assets | 0.8219% | 1,807 |
| Net operating income to assets | 1.1422% | 1,976 |
| Return on assets (ROA) | 1.1422% | 1,896 |
| Pretax return on assets | 1.1422% | 2,866 |
| Return on Equity (ROE) | 13.2401% | 1,271 |
| Retained earnings to average equity (ytd only) | 5.6786% | 1,677 |
| Net charge-offs to loans | 1.3468% | 872 |
| Credit loss provision to net charge-offs | 95.5269% | 5,532 |
| Earnings coverage of net charge-offs (x) | 2.2828% | 4,937 |
| Efficiency ratio | 58.9222% | 6,537 |
| Assets per employee ($millions) | 3.1379% | 5,660 |
| Cash dividends to net income (ytd only)* | 57.1102% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 1,746 |
| Loan loss allowance to noncurrent loans | 100.8328% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.9287% | 2,546 |
| Noncurrent loans to loans | 1.7428% | 3,155 |
| Net loans and leases to total assets | 62.9132% | 5,471 |
| Net loans and leases to deposits | 69.8692% | 6,282 |
| Net loans and leases to core deposits | 101.3314% | 4,686 |
| Total domestic deposits to total assets | 90.0443% | 635 |
| Equity capital to assets | 9.1789% | 5,111 |
| Core capital (leverage) ratio | 9.0835% | 4,624 |
| Tier 1 risk-based capital ratio | 13.6749% | 3,711 |
| Total risk-based capital ratio | 14.9334% | 3,624 |
| Memoranda: | ||
| Average total assets | $153,294,000 | 3,838 |
| Average earning assets | $144,316,200 | 3,751 |
| Average equity | $13,225,000 | 4,515 |
| Average total loans | $97,933,600 | 4,008 |