Home > Copiah Bank > Performance and Condition Ratios
Copiah Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 2,753 |
| Cost of funding earning assets | 1.1134% | 3,031 |
| Net interest margin | 3.5522% | 2,059 |
| Noninterest income to average assets | 2.3000% | 234 |
| Noninterest expense to average assets | 3.1390% | 899 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.8030% | 608 |
| Return on assets (ROA) | 1.4263% | 1,138 |
| Pretax return on assets | 1.8304% | 853 |
| Return on Equity (ROE) | 14.9900% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.3072% | 603 |
| Net charge-offs to loans | 0.0173% | 2,019 |
| Credit loss provision to net charge-offs | 832.3529% | 476 |
| Earnings coverage of net charge-offs (x) | 218.1765% | 557 |
| Efficiency ratio | 56.4901% | 3,443 |
| Assets per employee ($millions) | 4.9415% | 3,682 |
| Cash dividends to net income (ytd only)* | 17.9159% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 1,006 |
| Loan loss allowance to noncurrent loans | 1,042.1053% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 2,956 |
| Noncurrent loans to loans | 0.1453% | 2,788 |
| Net loans and leases to total assets | 58.8300% | 2,967 |
| Net loans and leases to deposits | 66.2343% | 3,159 |
| Net loans and leases to core deposits | 72.5389% | 3,155 |
| Total domestic deposits to total assets | 88.8300% | 1,109 |
| Equity capital to assets | 10.4725% | 1,739 |
| Core capital (leverage) ratio | 10.9287% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $306,812,600 | 2,399 |
| Average earning assets | $281,569,400 | 2,406 |
| Average equity | $29,186,200 | 2,304 |
| Average total loans | $196,487,200 | 2,307 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 2,822 |
| Cost of funding earning assets | 1.0872% | 2,782 |
| Net interest margin | 3.4510% | 2,336 |
| Noninterest income to average assets | 2.7100% | 215 |
| Noninterest expense to average assets | 3.1960% | 823 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.9614% | 529 |
| Return on assets (ROA) | 1.9614% | 520 |
| Pretax return on assets | 2.5409% | 366 |
| Return on Equity (ROE) | 21.1500% | 624 |
| Retained earnings to average equity (ytd only) | 18.4197% | 321 |
| Net charge-offs to loans | 0.0047% | 2,309 |
| Credit loss provision to net charge-offs | 3,657.1429% | 136 |
| Earnings coverage of net charge-offs (x) | 880.1429% | 184 |
| Efficiency ratio | 54.4237% | 3,555 |
| Assets per employee ($millions) | 4.8867% | 3,679 |
| Cash dividends to net income (ytd only)* | 12.9125% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,245 |
| Loan loss allowance to noncurrent loans | 1,155.0000% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,065 |
| Noncurrent loans to loans | 0.1257% | 2,922 |
| Net loans and leases to total assets | 62.1000% | 2,648 |
| Net loans and leases to deposits | 69.7555% | 2,857 |
| Net loans and leases to core deposits | 75.6978% | 2,886 |
| Total domestic deposits to total assets | 89.0300% | 1,237 |
| Equity capital to assets | 10.1741% | 1,722 |
| Core capital (leverage) ratio | 11.2145% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $306,922,000 | 2,400 |
| Average earning assets | $281,573,000 | 2,405 |
| Average equity | $28,461,500 | 2,327 |
| Average total loans | $199,853,000 | 2,286 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,620 |
| Cost of funding earning assets | 1.0717% | 2,377 |
| Net interest margin | 3.4387% | 2,419 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.9017% | 1,205 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6359% | 3,494 |
| Return on assets (ROA) | 0.6359% | 3,504 |
| Pretax return on assets | 0.7721% | 3,459 |
| Return on Equity (ROE) | 7.0800% | 3,464 |
| Retained earnings to average equity (ytd only) | 4.3218% | 3,124 |
| Net charge-offs to loans | 0.0089% | 1,870 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 139.4444% | 778 |
| Efficiency ratio | 78.0863% | 994 |
| Assets per employee ($millions) | 4.8886% | 3,685 |
| Cash dividends to net income (ytd only)* | 38.9796% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,015 |
| Loan loss allowance to noncurrent loans | 951.6981% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 2,932 |
| Noncurrent loans to loans | 0.1343% | 2,799 |
| Net loans and leases to total assets | 63.2300% | 2,461 |
| Net loans and leases to deposits | 70.0639% | 2,782 |
| Net loans and leases to core deposits | 80.3625% | 2,441 |
| Total domestic deposits to total assets | 90.2500% | 857 |
| Equity capital to assets | 9.0424% | 2,490 |
| Core capital (leverage) ratio | 9.8419% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $308,238,000 | 2,390 |
| Average earning assets | $282,546,333 | 2,409 |
| Average equity | $27,673,667 | 2,380 |
| Average total loans | $202,829,000 | 2,268 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 2,604 |
| Cost of funding earning assets | 1.0101% | 2,010 |
| Net interest margin | 3.3703% | 2,707 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.9056% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6499% | 3,585 |
| Return on assets (ROA) | 0.6499% | 3,542 |
| Pretax return on assets | 0.7809% | 3,504 |
| Return on Equity (ROE) | 7.2600% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.6400% | 3,107 |
| Net charge-offs to loans | 0.0019% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 602.0000% | 189 |
| Efficiency ratio | 78.8177% | 923 |
| Assets per employee ($millions) | 4.8751% | 3,748 |
| Cash dividends to net income (ytd only)* | 36.1277% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,371 |
| Loan loss allowance to noncurrent loans | 849.1582% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,855 |
| Noncurrent loans to loans | 0.1452% | 2,766 |
| Net loans and leases to total assets | 65.7600% | 2,083 |
| Net loans and leases to deposits | 73.4932% | 2,335 |
| Net loans and leases to core deposits | 83.7832% | 1,997 |
| Total domestic deposits to total assets | 89.4800% | 1,348 |
| Equity capital to assets | 9.0238% | 2,501 |
| Core capital (leverage) ratio | 9.5506% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $308,366,500 | 2,418 |
| Average earning assets | $283,531,500 | 2,436 |
| Average equity | $27,586,000 | 2,416 |
| Average total loans | $205,610,500 | 2,263 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 1,751 |
| Cost of funding earning assets | 0.4713% | 1,580 |
| Net interest margin | 3.5158% | 1,879 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.7973% | 1,318 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8543% | 3,134 |
| Return on assets (ROA) | 0.8543% | 3,070 |
| Pretax return on assets | 1.0677% | 2,868 |
| Return on Equity (ROE) | 9.6000% | 2,943 |
| Retained earnings to average equity (ytd only) | 6.9366% | 2,267 |
| Net charge-offs to loans | 0.0436% | 1,252 |
| Credit loss provision to net charge-offs | 258.1395% | 987 |
| Earnings coverage of net charge-offs (x) | 40.4651% | 1,501 |
| Efficiency ratio | 71.0386% | 1,556 |
| Assets per employee ($millions) | 4.8375% | 3,788 |
| Cash dividends to net income (ytd only)* | 27.7714% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,297 |
| Loan loss allowance to noncurrent loans | 776.0000% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 2,793 |
| Noncurrent loans to loans | 0.1572% | 2,712 |
| Net loans and leases to total assets | 65.9500% | 2,049 |
| Net loans and leases to deposits | 76.1552% | 2,083 |
| Net loans and leases to core deposits | 87.4620% | 1,653 |
| Total domestic deposits to total assets | 86.6000% | 2,536 |
| Equity capital to assets | 8.8685% | 2,443 |
| Core capital (leverage) ratio | 9.5513% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $305,152,200 | 2,424 |
| Average earning assets | $280,935,400 | 2,440 |
| Average equity | $27,145,800 | 2,472 |
| Average total loans | $197,468,200 | 2,244 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 1,513 |
| Cost of funding earning assets | 0.3739% | 1,489 |
| Net interest margin | 3.5151% | 1,628 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.8035% | 1,247 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9064% | 2,840 |
| Return on assets (ROA) | 0.9064% | 2,820 |
| Pretax return on assets | 1.1389% | 2,600 |
| Return on Equity (ROE) | 10.1800% | 2,671 |
| Retained earnings to average equity (ytd only) | 7.5068% | 2,188 |
| Net charge-offs to loans | 0.0355% | 1,153 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 50.9423% | 1,275 |
| Efficiency ratio | 70.7034% | 1,685 |
| Assets per employee ($millions) | 4.9380% | 3,726 |
| Cash dividends to net income (ytd only)* | 26.2700% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,842 |
| Loan loss allowance to noncurrent loans | 589.3827% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 2,711 |
| Noncurrent loans to loans | 0.1933% | 2,632 |
| Net loans and leases to total assets | 65.5400% | 1,929 |
| Net loans and leases to deposits | 78.9630% | 1,637 |
| Net loans and leases to core deposits | 82.9900% | 1,715 |
| Total domestic deposits to total assets | 83.0000% | 3,690 |
| Equity capital to assets | 8.4755% | 2,561 |
| Core capital (leverage) ratio | 9.4758% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $304,039,750 | 2,445 |
| Average earning assets | $279,892,500 | 2,460 |
| Average equity | $27,068,000 | 2,511 |
| Average total loans | $195,156,000 | 2,264 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 1,330 |
| Cost of funding earning assets | 0.3356% | 1,393 |
| Net interest margin | 3.4560% | 1,432 |
| Noninterest income to average assets | 0.7632% | 1,143 |
| Noninterest expense to average assets | 2.8023% | 1,170 |
| Loan and lease loss provision to assets | 0.0160% | 2,313 |
| Net operating income to assets | 0.8999% | 2,583 |
| Return on assets (ROA) | 0.8999% | 2,554 |
| Pretax return on assets | 1.1298% | 2,307 |
| Return on Equity (ROE) | 9.9402% | 2,356 |
| Retained earnings to average equity (ytd only) | 7.2748% | 1,888 |
| Net charge-offs to loans | 0.0252% | 1,218 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 71.6250% | 990 |
| Efficiency ratio | 70.9775% | 1,830 |
| Assets per employee ($millions) | 4.7693% | 3,873 |
| Cash dividends to net income (ytd only)* | 26.8148% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,541 |
| Loan loss allowance to noncurrent loans | 388.7622% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,295 |
| Noncurrent loans to loans | 0.3161% | 2,209 |
| Net loans and leases to total assets | 63.8592% | 1,928 |
| Net loans and leases to deposits | 73.5708% | 1,910 |
| Net loans and leases to core deposits | 76.6925% | 1,956 |
| Total domestic deposits to total assets | 86.7996% | 3,007 |
| Equity capital to assets | 8.9487% | 2,414 |
| Core capital (leverage) ratio | 9.5304% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,043,333 | 2,481 |
| Average earning assets | $276,502,667 | 2,499 |
| Average equity | $27,162,333 | 2,573 |
| Average total loans | $190,371,333 | 2,298 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 1,286 |
| Cost of funding earning assets | 0.3721% | 1,042 |
| Net interest margin | 3.3224% | 1,522 |
| Noninterest income to average assets | 0.6844% | 1,370 |
| Noninterest expense to average assets | 2.8096% | 1,140 |
| Loan and lease loss provision to assets | 0.0187% | 2,021 |
| Net operating income to assets | 0.7391% | 2,894 |
| Return on assets (ROA) | 0.7391% | 2,886 |
| Pretax return on assets | 0.9058% | 2,756 |
| Return on Equity (ROE) | 8.1174% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.4653% | 2,425 |
| Net charge-offs to loans | 0.0297% | 1,015 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 931 |
| Efficiency ratio | 75.2412% | 1,609 |
| Assets per employee ($millions) | 4.6535% | 4,036 |
| Cash dividends to net income (ytd only)* | 32.6715% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,471 |
| Loan loss allowance to noncurrent loans | 294.6914% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 2,070 |
| Noncurrent loans to loans | 0.4331% | 1,948 |
| Net loans and leases to total assets | 61.0367% | 1,958 |
| Net loans and leases to deposits | 70.1982% | 1,951 |
| Net loans and leases to core deposits | 73.2304% | 2,001 |
| Total domestic deposits to total assets | 86.9491% | 2,945 |
| Equity capital to assets | 8.8879% | 2,808 |
| Core capital (leverage) ratio | 9.0811% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0707% | 2,176 |
| Memoranda: | ||
| Average total assets | $299,830,500 | 2,496 |
| Average earning assets | $275,219,000 | 2,520 |
| Average equity | $27,299,500 | 2,643 |
| Average total loans | $188,425,000 | 2,307 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 1,272 |
| Cost of funding earning assets | 0.4183% | 1,406 |
| Net interest margin | 3.6189% | 1,414 |
| Noninterest income to average assets | 1.4379% | 543 |
| Noninterest expense to average assets | 3.0166% | 954 |
| Loan and lease loss provision to assets | 0.0440% | 2,178 |
| Net operating income to assets | 1.3331% | 1,504 |
| Return on assets (ROA) | 1.3331% | 1,540 |
| Pretax return on assets | 1.6907% | 1,173 |
| Return on Equity (ROE) | 14.1955% | 1,130 |
| Retained earnings to average equity (ytd only) | 11.5120% | 617 |
| Net charge-offs to loans | 0.0267% | 1,706 |
| Credit loss provision to net charge-offs | 256.2500% | 1,151 |
| Earnings coverage of net charge-offs (x) | 100.9583% | 878 |
| Efficiency ratio | 63.4898% | 2,640 |
| Assets per employee ($millions) | 4.5028% | 4,111 |
| Cash dividends to net income (ytd only)* | 18.9044% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,584 |
| Loan loss allowance to noncurrent loans | 343.9481% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 2,394 |
| Noncurrent loans to loans | 0.3656% | 2,275 |
| Net loans and leases to total assets | 63.0767% | 1,814 |
| Net loans and leases to deposits | 74.7100% | 1,676 |
| Net loans and leases to core deposits | 78.4628% | 1,724 |
| Total domestic deposits to total assets | 84.4288% | 3,440 |
| Equity capital to assets | 9.3259% | 3,291 |
| Core capital (leverage) ratio | 9.4491% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,358,800 | 2,544 |
| Average earning assets | $255,768,400 | 2,582 |
| Average equity | $26,233,600 | 2,766 |
| Average total loans | $180,078,400 | 2,384 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 1,328 |
| Cost of funding earning assets | 0.4321% | 1,469 |
| Net interest margin | 3.6568% | 1,445 |
| Noninterest income to average assets | 1.6786% | 449 |
| Noninterest expense to average assets | 3.0633% | 873 |
| Loan and lease loss provision to assets | 0.0287% | 2,423 |
| Net operating income to assets | 1.5171% | 1,231 |
| Return on assets (ROA) | 1.5171% | 1,281 |
| Pretax return on assets | 1.9323% | 896 |
| Return on Equity (ROE) | 16.1254% | 924 |
| Retained earnings to average equity (ytd only) | 13.4293% | 576 |
| Net charge-offs to loans | 0.0218% | 1,612 |
| Credit loss provision to net charge-offs | 203.4483% | 1,197 |
| Earnings coverage of net charge-offs (x) | 139.4138% | 709 |
| Efficiency ratio | 60.9711% | 2,840 |
| Assets per employee ($millions) | 4.3879% | 4,196 |
| Cash dividends to net income (ytd only)* | 16.7199% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,848 |
| Loan loss allowance to noncurrent loans | 314.7849% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 2,487 |
| Noncurrent loans to loans | 0.3901% | 2,395 |
| Net loans and leases to total assets | 65.0392% | 1,649 |
| Net loans and leases to deposits | 77.4347% | 1,533 |
| Net loans and leases to core deposits | 81.3668% | 1,624 |
| Total domestic deposits to total assets | 83.9923% | 3,454 |
| Equity capital to assets | 9.4892% | 3,383 |
| Core capital (leverage) ratio | 9.5415% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,902,500 | 2,592 |
| Average earning assets | $251,506,500 | 2,632 |
| Average equity | $25,863,250 | 2,824 |
| Average total loans | $177,637,750 | 2,439 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 1,256 |
| Cost of funding earning assets | 0.4472% | 1,543 |
| Net interest margin | 3.7084% | 1,332 |
| Noninterest income to average assets | 0.8081% | 1,515 |
| Noninterest expense to average assets | 3.0711% | 879 |
| Loan and lease loss provision to assets | 0.0348% | 2,292 |
| Net operating income to assets | 0.8911% | 3,246 |
| Return on assets (ROA) | 0.8911% | 3,321 |
| Pretax return on assets | 1.0867% | 3,258 |
| Return on Equity (ROE) | 9.5009% | 2,949 |
| Retained earnings to average equity (ytd only) | 6.7999% | 2,501 |
| Net charge-offs to loans | 0.0196% | 1,547 |
| Credit loss provision to net charge-offs | 276.4706% | 929 |
| Earnings coverage of net charge-offs (x) | 89.0588% | 795 |
| Efficiency ratio | 73.2509% | 1,313 |
| Assets per employee ($millions) | 4.1497% | 4,363 |
| Cash dividends to net income (ytd only)* | 28.4289% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,405 |
| Loan loss allowance to noncurrent loans | 291.6563% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 2,458 |
| Noncurrent loans to loans | 0.4478% | 2,331 |
| Net loans and leases to total assets | 64.6177% | 1,877 |
| Net loans and leases to deposits | 78.1844% | 1,602 |
| Net loans and leases to core deposits | 82.4459% | 1,686 |
| Total domestic deposits to total assets | 82.6479% | 3,780 |
| Equity capital to assets | 9.4081% | 3,420 |
| Core capital (leverage) ratio | 9.3260% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,002,000 | 2,612 |
| Average earning assets | $246,411,000 | 2,648 |
| Average equity | $25,324,000 | 2,856 |
| Average total loans | $173,284,333 | 2,488 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 1,641 |
| Cost of funding earning assets | 0.4677% | 1,604 |
| Net interest margin | 3.5142% | 1,788 |
| Noninterest income to average assets | 0.8267% | 1,521 |
| Noninterest expense to average assets | 3.0948% | 844 |
| Loan and lease loss provision to assets | 0.0701% | 1,758 |
| Net operating income to assets | 0.7550% | 3,560 |
| Return on assets (ROA) | 0.7550% | 3,629 |
| Pretax return on assets | 0.8685% | 3,675 |
| Return on Equity (ROE) | 8.0629% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.4975% | 3,063 |
| Net charge-offs to loans | 0.0399% | 1,069 |
| Credit loss provision to net charge-offs | 276.4706% | 788 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,009 |
| Efficiency ratio | 76.7296% | 1,062 |
| Assets per employee ($millions) | 4.1583% | 4,376 |
| Cash dividends to net income (ytd only)* | 31.8182% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 2,118 |
| Loan loss allowance to noncurrent loans | 154.6896% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 1,717 |
| Noncurrent loans to loans | 0.8831% | 1,531 |
| Net loans and leases to total assets | 61.6144% | 2,325 |
| Net loans and leases to deposits | 73.2846% | 2,183 |
| Net loans and leases to core deposits | 77.1916% | 2,244 |
| Total domestic deposits to total assets | 84.0756% | 3,409 |
| Equity capital to assets | 9.1559% | 3,539 |
| Core capital (leverage) ratio | 9.1403% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,063,000 | 2,609 |
| Average earning assets | $244,604,500 | 2,651 |
| Average equity | $25,102,500 | 2,866 |
| Average total loans | $170,268,000 | 2,512 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 1,063 |
| Cost of funding earning assets | 0.7399% | 1,509 |
| Net interest margin | 3.8801% | 1,273 |
| Noninterest income to average assets | 0.9049% | 1,250 |
| Noninterest expense to average assets | 3.2809% | 927 |
| Loan and lease loss provision to assets | 0.1550% | 2,431 |
| Net operating income to assets | 0.8124% | 3,044 |
| Return on assets (ROA) | 0.8124% | 3,165 |
| Pretax return on assets | 1.0045% | 3,032 |
| Return on Equity (ROE) | 8.2222% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.5681% | 2,015 |
| Net charge-offs to loans | 0.2255% | 770 |
| Credit loss provision to net charge-offs | 97.4359% | 2,872 |
| Earnings coverage of net charge-offs (x) | 7.2897% | 2,709 |
| Efficiency ratio | 73.8887% | 1,460 |
| Assets per employee ($millions) | 3.9648% | 4,401 |
| Cash dividends to net income (ytd only)* | 32.2791% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 2,112 |
| Loan loss allowance to noncurrent loans | 164.5552% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9321% | 1,042 |
| Noncurrent loans to loans | 0.8309% | 1,686 |
| Net loans and leases to total assets | 63.7357% | 2,399 |
| Net loans and leases to deposits | 76.4576% | 2,233 |
| Net loans and leases to core deposits | 81.5055% | 2,228 |
| Total domestic deposits to total assets | 83.3609% | 3,308 |
| Equity capital to assets | 9.5831% | 3,531 |
| Core capital (leverage) ratio | 9.5693% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,207,800 | 2,611 |
| Average earning assets | $223,421,800 | 2,647 |
| Average equity | $24,227,200 | 2,860 |
| Average total loans | $172,916,000 | 2,466 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 945 |
| Cost of funding earning assets | 0.8039% | 1,480 |
| Net interest margin | 3.9578% | 1,216 |
| Noninterest income to average assets | 0.8329% | 1,388 |
| Noninterest expense to average assets | 3.3176% | 884 |
| Loan and lease loss provision to assets | 0.1622% | 2,380 |
| Net operating income to assets | 0.7836% | 3,159 |
| Return on assets (ROA) | 0.7836% | 3,269 |
| Pretax return on assets | 0.9578% | 3,205 |
| Return on Equity (ROE) | 7.8672% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.1911% | 2,477 |
| Net charge-offs to loans | 0.1787% | 835 |
| Credit loss provision to net charge-offs | 125.7511% | 2,468 |
| Earnings coverage of net charge-offs (x) | 8.6910% | 2,473 |
| Efficiency ratio | 74.7632% | 1,331 |
| Assets per employee ($millions) | 3.8226% | 4,460 |
| Cash dividends to net income (ytd only)* | 34.0155% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,788 |
| Loan loss allowance to noncurrent loans | 94.3366% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 963 |
| Noncurrent loans to loans | 1.4712% | 982 |
| Net loans and leases to total assets | 67.0825% | 2,374 |
| Net loans and leases to deposits | 81.0493% | 2,193 |
| Net loans and leases to core deposits | 86.6380% | 2,263 |
| Total domestic deposits to total assets | 82.7675% | 3,198 |
| Equity capital to assets | 9.7677% | 3,462 |
| Core capital (leverage) ratio | 9.6115% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,090,000 | 2,617 |
| Average earning assets | $219,578,000 | 2,660 |
| Average equity | $24,014,750 | 2,867 |
| Average total loans | $173,871,250 | 2,453 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 908 |
| Cost of funding earning assets | 0.8713% | 1,491 |
| Net interest margin | 4.0683% | 1,181 |
| Noninterest income to average assets | 0.8494% | 1,288 |
| Noninterest expense to average assets | 3.3342% | 945 |
| Loan and lease loss provision to assets | 0.0952% | 3,083 |
| Net operating income to assets | 0.8822% | 2,765 |
| Return on assets (ROA) | 0.8822% | 2,881 |
| Pretax return on assets | 1.1224% | 2,643 |
| Return on Equity (ROE) | 8.7963% | 2,453 |
| Retained earnings to average equity (ytd only) | 6.0911% | 2,040 |
| Net charge-offs to loans | 0.0951% | 1,312 |
| Credit loss provision to net charge-offs | 136.1446% | 2,197 |
| Earnings coverage of net charge-offs (x) | 17.4096% | 1,817 |
| Efficiency ratio | 73.2506% | 1,539 |
| Assets per employee ($millions) | 3.8101% | 4,454 |
| Cash dividends to net income (ytd only)* | 30.7545% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,753 |
| Loan loss allowance to noncurrent loans | 162.0951% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 1,387 |
| Noncurrent loans to loans | 0.8356% | 1,824 |
| Net loans and leases to total assets | 69.1627% | 2,164 |
| Net loans and leases to deposits | 83.7008% | 2,023 |
| Net loans and leases to core deposits | 89.7566% | 2,087 |
| Total domestic deposits to total assets | 82.6309% | 3,197 |
| Equity capital to assets | 9.8402% | 3,332 |
| Core capital (leverage) ratio | 9.8393% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,356,333 | 2,625 |
| Average earning assets | $216,011,333 | 2,666 |
| Average equity | $23,805,333 | 2,866 |
| Average total loans | $174,620,000 | 2,435 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 827 |
| Cost of funding earning assets | 0.9392% | 1,691 |
| Net interest margin | 4.1438% | 1,040 |
| Noninterest income to average assets | 0.9268% | 1,006 |
| Noninterest expense to average assets | 3.3901% | 1,077 |
| Loan and lease loss provision to assets | 0.0293% | 3,415 |
| Net operating income to assets | 0.9871% | 2,224 |
| Return on assets (ROA) | 0.9871% | 2,322 |
| Pretax return on assets | 1.2696% | 1,968 |
| Return on Equity (ROE) | 9.7437% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.0059% | 1,531 |
| Net charge-offs to loans | 0.0388% | 1,649 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 44.3529% | 973 |
| Efficiency ratio | 72.2998% | 2,039 |
| Assets per employee ($millions) | 3.6478% | 4,334 |
| Cash dividends to net income (ytd only)* | 28.0977% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 1,978 |
| Loan loss allowance to noncurrent loans | 139.2086% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 1,293 |
| Noncurrent loans to loans | 0.9597% | 1,709 |
| Net loans and leases to total assets | 72.3211% | 1,871 |
| Net loans and leases to deposits | 88.1064% | 1,745 |
| Net loans and leases to core deposits | 94.8214% | 1,900 |
| Total domestic deposits to total assets | 82.0839% | 3,393 |
| Equity capital to assets | 10.0285% | 3,754 |
| Core capital (leverage) ratio | 9.9589% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9704% | 2,295 |
| Memoranda: | ||
| Average total assets | $232,205,500 | 2,610 |
| Average earning assets | $210,822,000 | 2,657 |
| Average equity | $23,523,000 | 2,884 |
| Average total loans | $175,110,500 | 2,411 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 1,001 |
| Cost of funding earning assets | 0.9967% | 1,737 |
| Net interest margin | 4.2002% | 1,324 |
| Noninterest income to average assets | 0.8940% | 1,185 |
| Noninterest expense to average assets | 3.4752% | 1,001 |
| Loan and lease loss provision to assets | 0.1214% | 1,745 |
| Net operating income to assets | 0.8223% | 3,475 |
| Return on assets (ROA) | 0.8268% | 3,560 |
| Pretax return on assets | 1.1149% | 3,121 |
| Return on Equity (ROE) | 8.3808% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.0666% | 1,830 |
| Net charge-offs to loans | 0.0905% | 1,827 |
| Credit loss provision to net charge-offs | 175.9494% | 1,478 |
| Earnings coverage of net charge-offs (x) | 17.8418% | 2,088 |
| Efficiency ratio | 73.8497% | 1,622 |
| Assets per employee ($millions) | 3.5517% | 4,432 |
| Cash dividends to net income (ytd only)* | 27.6135% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 1,851 |
| Loan loss allowance to noncurrent loans | 162.3776% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 1,499 |
| Noncurrent loans to loans | 0.8106% | 1,884 |
| Net loans and leases to total assets | 76.5928% | 1,313 |
| Net loans and leases to deposits | 93.8580% | 1,167 |
| Net loans and leases to core deposits | 100.8615% | 1,494 |
| Total domestic deposits to total assets | 81.6050% | 3,617 |
| Equity capital to assets | 10.2364% | 3,691 |
| Core capital (leverage) ratio | 9.9485% | 3,570 |
| Tier 1 risk-based capital ratio | 12.9135% | 3,834 |
| Total risk-based capital ratio | 14.2054% | 3,691 |
| Memoranda: | ||
| Average total assets | $229,081,200 | 2,583 |
| Average earning assets | $207,892,400 | 2,626 |
| Average equity | $22,599,200 | 2,904 |
| Average total loans | $174,561,400 | 2,372 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 1,162 |
| Cost of funding earning assets | 0.9792% | 1,848 |
| Net interest margin | 4.1685% | 1,451 |
| Noninterest income to average assets | 0.9015% | 1,136 |
| Noninterest expense to average assets | 3.4447% | 1,021 |
| Loan and lease loss provision to assets | 0.1243% | 1,568 |
| Net operating income to assets | 0.8758% | 3,425 |
| Return on assets (ROA) | 0.8818% | 3,492 |
| Pretax return on assets | 1.1235% | 3,225 |
| Return on Equity (ROE) | 9.0226% | 2,881 |
| Retained earnings to average equity (ytd only) | 6.8709% | 1,923 |
| Net charge-offs to loans | 0.0950% | 1,527 |
| Credit loss provision to net charge-offs | 172.5806% | 1,477 |
| Earnings coverage of net charge-offs (x) | 17.2177% | 2,103 |
| Efficiency ratio | 73.5276% | 1,635 |
| Assets per employee ($millions) | 3.6436% | 4,342 |
| Cash dividends to net income (ytd only)* | 23.8469% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 1,891 |
| Loan loss allowance to noncurrent loans | 148.8312% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 1,462 |
| Noncurrent loans to loans | 0.8857% | 1,809 |
| Net loans and leases to total assets | 73.5816% | 1,903 |
| Net loans and leases to deposits | 91.6268% | 1,486 |
| Net loans and leases to core deposits | 98.3684% | 1,794 |
| Total domestic deposits to total assets | 80.3058% | 3,921 |
| Equity capital to assets | 9.8919% | 4,122 |
| Core capital (leverage) ratio | 9.9677% | 3,669 |
| Tier 1 risk-based capital ratio | 12.8836% | 3,911 |
| Total risk-based capital ratio | 14.1337% | 3,811 |
| Memoranda: | ||
| Average total assets | $229,525,000 | 2,607 |
| Average earning assets | $208,319,250 | 2,643 |
| Average equity | $22,432,000 | 2,940 |
| Average total loans | $174,096,250 | 2,406 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 1,083 |
| Cost of funding earning assets | 0.9509% | 1,905 |
| Net interest margin | 4.2071% | 1,346 |
| Noninterest income to average assets | 0.8822% | 1,113 |
| Noninterest expense to average assets | 3.4603% | 1,010 |
| Loan and lease loss provision to assets | 0.1577% | 1,152 |
| Net operating income to assets | 0.8440% | 3,491 |
| Return on assets (ROA) | 0.8489% | 3,533 |
| Pretax return on assets | 1.0801% | 3,289 |
| Return on Equity (ROE) | 8.7217% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.5526% | 2,028 |
| Net charge-offs to loans | 0.1378% | 1,102 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 11.7167% | 2,189 |
| Efficiency ratio | 73.7491% | 1,672 |
| Assets per employee ($millions) | 3.6359% | 4,334 |
| Cash dividends to net income (ytd only)* | 24.8710% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,024 |
| Loan loss allowance to noncurrent loans | 107.9714% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 1,099 |
| Noncurrent loans to loans | 1.2027% | 1,330 |
| Net loans and leases to total assets | 75.0616% | 1,712 |
| Net loans and leases to deposits | 93.5935% | 1,298 |
| Net loans and leases to core deposits | 99.9785% | 1,726 |
| Total domestic deposits to total assets | 80.1995% | 3,997 |
| Equity capital to assets | 9.8830% | 4,075 |
| Core capital (leverage) ratio | 9.8239% | 3,796 |
| Tier 1 risk-based capital ratio | 12.7725% | 3,962 |
| Total risk-based capital ratio | 14.0528% | 3,848 |
| Memoranda: | ||
| Average total assets | $228,303,330 | 2,623 |
| Average earning assets | $206,747,330 | 2,668 |
| Average equity | $22,220,330 | 2,954 |
| Average total loans | $174,169,330 | 2,416 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 1,139 |
| Cost of funding earning assets | 0.8974% | 2,018 |
| Net interest margin | 4.1826% | 1,341 |
| Noninterest income to average assets | 0.8564% | 1,155 |
| Noninterest expense to average assets | 3.5696% | 875 |
| Loan and lease loss provision to assets | 0.1509% | 1,113 |
| Net operating income to assets | 0.7316% | 3,835 |
| Return on assets (ROA) | 0.7441% | 3,840 |
| Pretax return on assets | 0.9389% | 3,645 |
| Return on Equity (ROE) | 7.7051% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.5062% | 2,693 |
| Net charge-offs to loans | 0.1286% | 976 |
| Credit loss provision to net charge-offs | 153.5714% | 1,220 |
| Earnings coverage of net charge-offs (x) | 10.9286% | 1,938 |
| Efficiency ratio | 76.8707% | 1,397 |
| Assets per employee ($millions) | 3.5559% | 4,511 |
| Cash dividends to net income (ytd only)* | 28.5377% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,194 |
| Loan loss allowance to noncurrent loans | 114.0521% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 1,238 |
| Noncurrent loans to loans | 1.1206% | 1,491 |
| Net loans and leases to total assets | 74.5890% | 1,705 |
| Net loans and leases to deposits | 92.4814% | 1,342 |
| Net loans and leases to core deposits | 98.9696% | 1,709 |
| Total domestic deposits to total assets | 80.6529% | 4,036 |
| Equity capital to assets | 9.5770% | 4,185 |
| Core capital (leverage) ratio | 9.5185% | 4,112 |
| Tier 1 risk-based capital ratio | 12.2183% | 4,344 |
| Total risk-based capital ratio | 13.4504% | 4,224 |
| Memoranda: | ||
| Average total assets | $227,925,000 | 2,656 |
| Average earning assets | $206,381,000 | 2,703 |
| Average equity | $22,011,500 | 2,973 |
| Average total loans | $174,155,000 | 2,433 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,161 |
| Cost of funding earning assets | 0.7045% | 2,063 |
| Net interest margin | 4.2437% | 1,293 |
| Noninterest income to average assets | 0.8346% | 1,352 |
| Noninterest expense to average assets | 3.4513% | 1,066 |
| Loan and lease loss provision to assets | 0.1352% | 1,600 |
| Net operating income to assets | 0.8512% | 3,603 |
| Return on assets (ROA) | 0.8246% | 3,711 |
| Pretax return on assets | 1.0507% | 3,441 |
| Return on Equity (ROE) | 8.9218% | 3,032 |
| Retained earnings to average equity (ytd only) | 6.2571% | 2,055 |
| Net charge-offs to loans | 0.0399% | 2,604 |
| Credit loss provision to net charge-offs | 441.4286% | 771 |
| Earnings coverage of net charge-offs (x) | 39.8286% | 1,312 |
| Efficiency ratio | 73.8902% | 1,638 |
| Assets per employee ($millions) | 3.5112% | 4,538 |
| Cash dividends to net income (ytd only)* | 29.8674% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,208 |
| Loan loss allowance to noncurrent loans | 231.7895% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 1,728 |
| Noncurrent loans to loans | 0.5470% | 2,636 |
| Net loans and leases to total assets | 76.3077% | 1,556 |
| Net loans and leases to deposits | 95.0695% | 1,164 |
| Net loans and leases to core deposits | 101.7565% | 1,596 |
| Total domestic deposits to total assets | 80.2651% | 4,050 |
| Equity capital to assets | 9.7399% | 3,923 |
| Core capital (leverage) ratio | 9.6227% | 3,982 |
| Tier 1 risk-based capital ratio | 12.0129% | 4,422 |
| Total risk-based capital ratio | 13.2242% | 4,334 |
| Memoranda: | ||
| Average total assets | $228,606,800 | 2,625 |
| Average earning assets | $206,660,400 | 2,664 |
| Average equity | $21,128,000 | 2,976 |
| Average total loans | $175,409,600 | 2,372 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 1,292 |
| Cost of funding earning assets | 0.6650% | 2,066 |
| Net interest margin | 4.1890% | 1,386 |
| Noninterest income to average assets | 0.8560% | 1,317 |
| Noninterest expense to average assets | 3.4700% | 1,022 |
| Loan and lease loss provision to assets | 0.1347% | 1,486 |
| Net operating income to assets | 0.8234% | 3,832 |
| Return on assets (ROA) | 0.8206% | 3,852 |
| Pretax return on assets | 1.0343% | 3,623 |
| Return on Equity (ROE) | 8.9976% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.1831% | 2,556 |
| Net charge-offs to loans | 0.0402% | 2,284 |
| Credit loss provision to net charge-offs | 437.7358% | 778 |
| Earnings coverage of net charge-offs (x) | 38.0969% | 1,392 |
| Efficiency ratio | 74.7436% | 1,487 |
| Assets per employee ($millions) | 3.5632% | 4,476 |
| Cash dividends to net income (ytd only)* | 31.2811% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,453 |
| Loan loss allowance to noncurrent loans | 174.0049% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 1,743 |
| Noncurrent loans to loans | 0.7067% | 2,309 |
| Net loans and leases to total assets | 75.4414% | 1,743 |
| Net loans and leases to deposits | 93.5177% | 1,429 |
| Net loans and leases to core deposits | 101.0746% | 1,695 |
| Total domestic deposits to total assets | 80.6707% | 3,961 |
| Equity capital to assets | 9.3904% | 4,191 |
| Core capital (leverage) ratio | 9.4949% | 4,179 |
| Tier 1 risk-based capital ratio | 11.8877% | 4,562 |
| Total risk-based capital ratio | 13.0726% | 4,478 |
| Memoranda: | ||
| Average total assets | $229,580,000 | 2,630 |
| Average earning assets | $207,524,750 | 2,671 |
| Average equity | $20,938,250 | 3,022 |
| Average total loans | $175,843,000 | 2,379 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,236 |
| Cost of funding earning assets | 0.6387% | 1,994 |
| Net interest margin | 4.1662% | 1,362 |
| Noninterest income to average assets | 0.9483% | 1,056 |
| Noninterest expense to average assets | 3.4847% | 1,016 |
| Loan and lease loss provision to assets | 0.1382% | 1,417 |
| Net operating income to assets | 0.8586% | 3,635 |
| Return on assets (ROA) | 0.8544% | 3,654 |
| Pretax return on assets | 1.0796% | 3,387 |
| Return on Equity (ROE) | 9.4612% | 2,820 |
| Retained earnings to average equity (ytd only) | 6.3620% | 2,380 |
| Net charge-offs to loans | 0.0454% | 1,964 |
| Credit loss provision to net charge-offs | 397.5000% | 828 |
| Earnings coverage of net charge-offs (x) | 35.1750% | 1,386 |
| Efficiency ratio | 74.0214% | 1,705 |
| Assets per employee ($millions) | 3.6018% | 4,468 |
| Cash dividends to net income (ytd only)* | 32.7569% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,762 |
| Loan loss allowance to noncurrent loans | 179.4828% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 1,189 |
| Noncurrent loans to loans | 0.6652% | 2,448 |
| Net loans and leases to total assets | 75.9291% | 1,648 |
| Net loans and leases to deposits | 93.2857% | 1,440 |
| Net loans and leases to core deposits | 100.7544% | 1,673 |
| Total domestic deposits to total assets | 81.3942% | 3,895 |
| Equity capital to assets | 9.3097% | 4,275 |
| Core capital (leverage) ratio | 9.2997% | 4,365 |
| Tier 1 risk-based capital ratio | 11.5616% | 4,762 |
| Total risk-based capital ratio | 12.6978% | 4,710 |
| Memoranda: | ||
| Average total assets | $230,092,670 | 2,637 |
| Average earning assets | $207,622,330 | 2,687 |
| Average equity | $20,779,670 | 3,053 |
| Average total loans | $176,397,330 | 2,385 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 1,317 |
| Cost of funding earning assets | 0.5960% | 2,083 |
| Net interest margin | 4.1011% | 1,437 |
| Noninterest income to average assets | 0.9116% | 1,120 |
| Noninterest expense to average assets | 3.4478% | 1,085 |
| Loan and lease loss provision to assets | 0.1830% | 930 |
| Net operating income to assets | 0.7783% | 3,800 |
| Return on assets (ROA) | 0.7700% | 3,830 |
| Pretax return on assets | 0.9651% | 3,651 |
| Return on Equity (ROE) | 8.6573% | 3,086 |
| Retained earnings to average equity (ytd only) | 4.7557% | 3,279 |
| Net charge-offs to loans | 0.1060% | 1,142 |
| Credit loss provision to net charge-offs | 225.5319% | 968 |
| Earnings coverage of net charge-offs (x) | 14.2766% | 1,718 |
| Efficiency ratio | 74.8501% | 1,772 |
| Assets per employee ($millions) | 3.6064% | 4,531 |
| Cash dividends to net income (ytd only)* | 45.0673% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,151 |
| Loan loss allowance to noncurrent loans | 197.6540% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 1,283 |
| Noncurrent loans to loans | 0.5762% | 2,816 |
| Net loans and leases to total assets | 76.0410% | 1,541 |
| Net loans and leases to deposits | 94.8794% | 1,147 |
| Net loans and leases to core deposits | 103.1278% | 1,443 |
| Total domestic deposits to total assets | 80.1449% | 4,389 |
| Equity capital to assets | 8.9807% | 4,578 |
| Core capital (leverage) ratio | 8.9122% | 4,787 |
| Tier 1 risk-based capital ratio | 11.1380% | 5,062 |
| Total risk-based capital ratio | 12.2221% | 5,045 |
| Memoranda: | ||
| Average total assets | $231,682,500 | 2,650 |
| Average earning assets | $208,726,000 | 2,706 |
| Average equity | $20,607,000 | 3,097 |
| Average total loans | $177,408,500 | 2,389 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 773 |
| Cost of funding earning assets | 0.4214% | 3,040 |
| Net interest margin | 4.4921% | 619 |
| Noninterest income to average assets | 0.8635% | 1,372 |
| Noninterest expense to average assets | 3.6552% | 842 |
| Loan and lease loss provision to assets | 0.1629% | 1,367 |
| Net operating income to assets | 0.6375% | 3,863 |
| Return on assets (ROA) | 0.6540% | 3,840 |
| Pretax return on assets | 1.1077% | 3,160 |
| Return on Equity (ROE) | 7.2489% | 3,151 |
| Retained earnings to average equity (ytd only) | 3.3071% | 3,317 |
| Net charge-offs to loans | -0.1184% | 5,417 |
| Credit loss provision to net charge-offs | -184.4221% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5945% | 1,809 |
| Assets per employee ($millions) | 3.4710% | 4,737 |
| Cash dividends to net income (ytd only)* | 54.3788% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,315 |
| Loan loss allowance to noncurrent loans | 168.6426% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 1,173 |
| Noncurrent loans to loans | 0.6566% | 2,571 |
| Net loans and leases to total assets | 75.3894% | 1,698 |
| Net loans and leases to deposits | 95.7662% | 1,108 |
| Net loans and leases to core deposits | 104.2218% | 1,400 |
| Total domestic deposits to total assets | 78.7223% | 4,602 |
| Equity capital to assets | 8.8984% | 4,818 |
| Core capital (leverage) ratio | 8.9127% | 4,743 |
| Tier 1 risk-based capital ratio | 10.8430% | 5,236 |
| Total risk-based capital ratio | 11.8790% | 5,220 |
| Memoranda: | ||
| Average total assets | $225,242,600 | 2,680 |
| Average earning assets | $202,398,400 | 2,748 |
| Average equity | $20,320,200 | 3,108 |
| Average total loans | $168,009,600 | 2,442 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 776 |
| Cost of funding earning assets | 0.3850% | 3,334 |
| Net interest margin | 4.5033% | 598 |
| Noninterest income to average assets | 0.8212% | 1,511 |
| Noninterest expense to average assets | 3.6529% | 814 |
| Loan and lease loss provision to assets | 0.1420% | 1,490 |
| Net operating income to assets | 0.7432% | 3,767 |
| Return on assets (ROA) | 0.7728% | 3,682 |
| Pretax return on assets | 1.1178% | 3,240 |
| Return on Equity (ROE) | 8.5363% | 2,848 |
| Retained earnings to average equity (ytd only) | 4.5813% | 3,159 |
| Net charge-offs to loans | -0.2149% | 5,554 |
| Credit loss provision to net charge-offs | -89.1386% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0123% | 1,739 |
| Assets per employee ($millions) | 3.4714% | 4,767 |
| Cash dividends to net income (ytd only)* | 46.3321% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 3,482 |
| Loan loss allowance to noncurrent loans | 174.6556% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 1,217 |
| Noncurrent loans to loans | 0.6296% | 2,817 |
| Net loans and leases to total assets | 73.5543% | 1,986 |
| Net loans and leases to deposits | 92.4181% | 1,507 |
| Net loans and leases to core deposits | 101.4307% | 1,587 |
| Total domestic deposits to total assets | 79.5886% | 4,416 |
| Equity capital to assets | 8.9072% | 4,990 |
| Core capital (leverage) ratio | 9.0497% | 4,684 |
| Tier 1 risk-based capital ratio | 10.9785% | 5,255 |
| Total risk-based capital ratio | 11.9927% | 5,282 |
| Memoranda: | ||
| Average total assets | $223,413,750 | 2,718 |
| Average earning assets | $200,856,000 | 2,786 |
| Average equity | $20,226,750 | 3,138 |
| Average total loans | $165,690,250 | 2,485 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 658 |
| Cost of funding earning assets | 0.3492% | 3,587 |
| Net interest margin | 4.5767% | 497 |
| Noninterest income to average assets | 0.9330% | 1,173 |
| Noninterest expense to average assets | 3.6813% | 789 |
| Loan and lease loss provision to assets | 0.1479% | 1,376 |
| Net operating income to assets | 0.8260% | 3,264 |
| Return on assets (ROA) | 0.8704% | 3,118 |
| Pretax return on assets | 1.2734% | 2,485 |
| Return on Equity (ROE) | 9.5597% | 2,238 |
| Retained earnings to average equity (ytd only) | 5.5823% | 2,363 |
| Net charge-offs to loans | -0.3467% | 5,660 |
| Credit loss provision to net charge-offs | -57.5972% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0811% | 2,175 |
| Assets per employee ($millions) | 3.6342% | 4,528 |
| Cash dividends to net income (ytd only)* | 41.6058% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,691 |
| Loan loss allowance to noncurrent loans | 162.8092% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 1,039 |
| Noncurrent loans to loans | 0.6633% | 2,762 |
| Net loans and leases to total assets | 74.9201% | 1,708 |
| Net loans and leases to deposits | 91.9800% | 1,498 |
| Net loans and leases to core deposits | 100.0184% | 1,647 |
| Total domestic deposits to total assets | 81.4526% | 4,060 |
| Equity capital to assets | 9.1355% | 4,767 |
| Core capital (leverage) ratio | 9.1959% | 4,498 |
| Tier 1 risk-based capital ratio | 11.3064% | 5,084 |
| Total risk-based capital ratio | 12.3253% | 5,106 |
| Memoranda: | ||
| Average total assets | $220,356,330 | 2,763 |
| Average earning assets | $197,607,670 | 2,832 |
| Average equity | $20,063,330 | 3,153 |
| Average total loans | $163,260,670 | 2,514 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 739 |
| Cost of funding earning assets | 0.3183% | 3,868 |
| Net interest margin | 4.4845% | 537 |
| Noninterest income to average assets | 0.8592% | 1,372 |
| Noninterest expense to average assets | 3.6278% | 861 |
| Loan and lease loss provision to assets | 0.1395% | 1,359 |
| Net operating income to assets | 0.7689% | 3,374 |
| Return on assets (ROA) | 0.7637% | 3,460 |
| Pretax return on assets | 1.0942% | 3,012 |
| Return on Equity (ROE) | 8.4028% | 2,716 |
| Retained earnings to average equity (ytd only) | 4.4034% | 3,222 |
| Net charge-offs to loans | 0.0401% | 2,014 |
| Credit loss provision to net charge-offs | 475.0000% | 584 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 995 |
| Efficiency ratio | 74.5098% | 2,145 |
| Assets per employee ($millions) | 3.3709% | 4,964 |
| Cash dividends to net income (ytd only)* | 47.5962% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,811 |
| Loan loss allowance to noncurrent loans | 63.2928% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 620 |
| Noncurrent loans to loans | 1.4002% | 1,444 |
| Net loans and leases to total assets | 73.2404% | 1,868 |
| Net loans and leases to deposits | 89.8312% | 1,556 |
| Net loans and leases to core deposits | 97.7193% | 1,681 |
| Total domestic deposits to total assets | 81.5311% | 4,290 |
| Equity capital to assets | 8.9555% | 4,852 |
| Core capital (leverage) ratio | 9.0269% | 4,703 |
| Tier 1 risk-based capital ratio | 11.2023% | 5,205 |
| Total risk-based capital ratio | 12.0269% | 5,343 |
| Memoranda: | ||
| Average total assets | $217,874,500 | 2,809 |
| Average earning assets | $194,803,500 | 2,878 |
| Average equity | $19,803,000 | 3,192 |
| Average total loans | $159,564,500 | 2,582 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 1,296 |
| Cost of funding earning assets | 0.2085% | 4,937 |
| Net interest margin | 4.3849% | 801 |
| Noninterest income to average assets | 1.0579% | 1,005 |
| Noninterest expense to average assets | 4.0122% | 588 |
| Loan and lease loss provision to assets | 0.0967% | 2,435 |
| Net operating income to assets | 0.6191% | 4,130 |
| Return on assets (ROA) | 0.5263% | 4,615 |
| Pretax return on assets | 0.6999% | 4,487 |
| Return on Equity (ROE) | 5.2736% | 4,291 |
| Retained earnings to average equity (ytd only) | 1.2027% | 4,807 |
| Net charge-offs to loans | 0.3344% | 824 |
| Credit loss provision to net charge-offs | 44.2822% | 3,451 |
| Earnings coverage of net charge-offs (x) | 4.2165% | 3,536 |
| Efficiency ratio | 81.3415% | 1,276 |
| Assets per employee ($millions) | 3.3324% | 4,998 |
| Cash dividends to net income (ytd only)* | 77.1948% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,777 |
| Loan loss allowance to noncurrent loans | 76.2555% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0683% | 645 |
| Noncurrent loans to loans | 1.1840% | 1,734 |
| Net loans and leases to total assets | 71.8950% | 2,181 |
| Net loans and leases to deposits | 88.9603% | 1,808 |
| Net loans and leases to core deposits | 94.9583% | 2,012 |
| Total domestic deposits to total assets | 80.8170% | 4,383 |
| Equity capital to assets | 9.2286% | 4,545 |
| Core capital (leverage) ratio | 9.3155% | 4,332 |
| Tier 1 risk-based capital ratio | 11.6817% | 4,934 |
| Total risk-based capital ratio | 12.5160% | 5,088 |
| Memoranda: | ||
| Average total assets | $188,302,800 | 3,078 |
| Average earning assets | $166,388,800 | 3,158 |
| Average equity | $18,791,600 | 3,299 |
| Average total loans | $122,912,000 | 3,024 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 1,445 |
| Cost of funding earning assets | 0.1763% | 5,294 |
| Net interest margin | 4.3569% | 837 |
| Noninterest income to average assets | 1.0656% | 998 |
| Noninterest expense to average assets | 3.8997% | 675 |
| Loan and lease loss provision to assets | 0.0798% | 2,617 |
| Net operating income to assets | 0.6650% | 4,020 |
| Return on assets (ROA) | 0.6650% | 4,142 |
| Pretax return on assets | 0.9227% | 3,899 |
| Return on Equity (ROE) | 6.5197% | 3,827 |
| Retained earnings to average equity (ytd only) | 2.4485% | 4,454 |
| Net charge-offs to loans | 0.4442% | 480 |
| Credit loss provision to net charge-offs | 28.4595% | 3,235 |
| Earnings coverage of net charge-offs (x) | 3.5744% | 3,391 |
| Efficiency ratio | 79.5488% | 1,488 |
| Assets per employee ($millions) | 3.2217% | 5,143 |
| Cash dividends to net income (ytd only)* | 62.4447% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 4,265 |
| Loan loss allowance to noncurrent loans | 86.3898% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.2906% | 627 |
| Noncurrent loans to loans | 1.1902% | 1,889 |
| Net loans and leases to total assets | 63.1152% | 3,506 |
| Net loans and leases to deposits | 82.2069% | 2,702 |
| Net loans and leases to core deposits | 86.9887% | 2,848 |
| Total domestic deposits to total assets | 76.7760% | 5,127 |
| Equity capital to assets | 9.1072% | 5,064 |
| Core capital (leverage) ratio | 10.3084% | 3,218 |
| Tier 1 risk-based capital ratio | 12.0671% | 4,747 |
| Total risk-based capital ratio | 12.9392% | 4,888 |
| Memoranda: | ||
| Average total assets | $182,060,500 | 3,154 |
| Average earning assets | $160,323,750 | 3,249 |
| Average equity | $18,569,000 | 3,362 |
| Average total loans | $114,957,750 | 3,153 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 1,198 |
| Cost of funding earning assets | 0.1717% | 5,396 |
| Net interest margin | 4.4608% | 671 |
| Noninterest income to average assets | 1.1447% | 851 |
| Noninterest expense to average assets | 4.0030% | 590 |
| Loan and lease loss provision to assets | 0.0873% | 2,398 |
| Net operating income to assets | 0.6942% | 3,820 |
| Return on assets (ROA) | 0.6942% | 3,970 |
| Pretax return on assets | 0.9654% | 3,723 |
| Return on Equity (ROE) | 6.5300% | 3,789 |
| Retained earnings to average equity (ytd only) | 2.4433% | 4,331 |
| Net charge-offs to loans | 0.6341% | 328 |
| Credit loss provision to net charge-offs | 21.9020% | 2,915 |
| Earnings coverage of net charge-offs (x) | 2.6398% | 3,243 |
| Efficiency ratio | 79.1771% | 1,611 |
| Assets per employee ($millions) | 2.8163% | 5,595 |
| Cash dividends to net income (ytd only)* | 62.5828% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,506 |
| Loan loss allowance to noncurrent loans | 80.6589% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 2.7198% | 476 |
| Noncurrent loans to loans | 1.4550% | 1,522 |
| Net loans and leases to total assets | 63.7554% | 3,403 |
| Net loans and leases to deposits | 71.8600% | 3,798 |
| Net loans and leases to core deposits | 75.4995% | 3,866 |
| Total domestic deposits to total assets | 88.7218% | 1,054 |
| Equity capital to assets | 10.6585% | 3,460 |
| Core capital (leverage) ratio | 10.5501% | 2,913 |
| Tier 1 risk-based capital ratio | 14.5714% | 3,281 |
| Total risk-based capital ratio | 15.6113% | 3,316 |
| Memoranda: | ||
| Average total assets | $174,018,000 | 3,265 |
| Average earning assets | $152,573,000 | 3,377 |
| Average equity | $18,499,330 | 3,375 |
| Average total loans | $109,447,670 | 3,240 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 1,007 |
| Cost of funding earning assets | 0.1685% | 5,479 |
| Net interest margin | 4.5521% | 551 |
| Noninterest income to average assets | 0.9694% | 1,152 |
| Noninterest expense to average assets | 3.9166% | 671 |
| Loan and lease loss provision to assets | 0.0368% | 3,174 |
| Net operating income to assets | 0.6977% | 3,728 |
| Return on assets (ROA) | 0.6977% | 3,841 |
| Pretax return on assets | 0.9970% | 3,492 |
| Return on Equity (ROE) | 6.5714% | 3,688 |
| Retained earnings to average equity (ytd only) | 2.4724% | 4,268 |
| Net charge-offs to loans | -0.0148% | 4,707 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1163% | 1,729 |
| Assets per employee ($millions) | 2.9777% | 5,531 |
| Cash dividends to net income (ytd only)* | 62.3762% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,908 |
| Loan loss allowance to noncurrent loans | 116.7376% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 2.7549% | 497 |
| Noncurrent loans to loans | 1.3004% | 1,852 |
| Net loans and leases to total assets | 60.7814% | 3,681 |
| Net loans and leases to deposits | 68.3827% | 4,020 |
| Net loans and leases to core deposits | 71.7472% | 4,084 |
| Total domestic deposits to total assets | 88.8842% | 1,162 |
| Equity capital to assets | 10.5324% | 3,450 |
| Core capital (leverage) ratio | 10.3778% | 3,098 |
| Tier 1 risk-based capital ratio | 15.4349% | 2,953 |
| Total risk-based capital ratio | 16.6858% | 2,888 |
| Memoranda: | ||
| Average total assets | $173,721,500 | 3,286 |
| Average earning assets | $151,931,500 | 3,398 |
| Average equity | $18,443,500 | 3,375 |
| Average total loans | $107,848,500 | 3,281 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 1,080 |
| Cost of funding earning assets | 0.1589% | 5,624 |
| Net interest margin | 4.5531% | 601 |
| Noninterest income to average assets | 1.1857% | 852 |
| Noninterest expense to average assets | 4.1117% | 597 |
| Loan and lease loss provision to assets | 0.1271% | 1,901 |
| Net operating income to assets | 0.6696% | 3,956 |
| Return on assets (ROA) | 0.6750% | 4,024 |
| Pretax return on assets | 0.9511% | 3,651 |
| Return on Equity (ROE) | 6.2488% | 3,931 |
| Retained earnings to average equity (ytd only) | 2.1285% | 4,507 |
| Net charge-offs to loans | 0.0870% | 2,579 |
| Credit loss provision to net charge-offs | 226.3158% | 1,253 |
| Earnings coverage of net charge-offs (x) | 19.0632% | 1,973 |
| Efficiency ratio | 79.3430% | 1,771 |
| Assets per employee ($millions) | 2.7263% | 5,756 |
| Cash dividends to net income (ytd only)* | 65.9370% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,931 |
| Loan loss allowance to noncurrent loans | 112.7601% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 2.8343% | 490 |
| Noncurrent loans to loans | 1.3443% | 1,748 |
| Net loans and leases to total assets | 61.5059% | 3,628 |
| Net loans and leases to deposits | 69.4297% | 3,980 |
| Net loans and leases to core deposits | 73.0198% | 4,038 |
| Total domestic deposits to total assets | 88.5873% | 1,334 |
| Equity capital to assets | 10.7030% | 3,132 |
| Core capital (leverage) ratio | 10.8751% | 2,525 |
| Tier 1 risk-based capital ratio | 15.9435% | 2,715 |
| Total risk-based capital ratio | 17.1953% | 2,650 |
| Memoranda: | ||
| Average total assets | $169,177,200 | 3,317 |
| Average earning assets | $148,491,000 | 3,428 |
| Average equity | $18,275,600 | 3,344 |
| Average total loans | $109,227,200 | 3,211 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 1,008 |
| Cost of funding earning assets | 0.1586% | 5,720 |
| Net interest margin | 4.5988% | 543 |
| Noninterest income to average assets | 1.1938% | 849 |
| Noninterest expense to average assets | 4.0363% | 639 |
| Loan and lease loss provision to assets | 0.1005% | 2,172 |
| Net operating income to assets | 0.7634% | 3,621 |
| Return on assets (ROA) | 0.7706% | 3,665 |
| Pretax return on assets | 1.1052% | 3,202 |
| Return on Equity (ROE) | 7.1163% | 3,560 |
| Retained earnings to average equity (ytd only) | 2.9883% | 4,321 |
| Net charge-offs to loans | 0.0450% | 3,000 |
| Credit loss provision to net charge-offs | 343.2432% | 857 |
| Earnings coverage of net charge-offs (x) | 40.8397% | 1,226 |
| Efficiency ratio | 77.1511% | 2,066 |
| Assets per employee ($millions) | 2.5800% | 5,917 |
| Cash dividends to net income (ytd only)* | 58.0081% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 2,194 |
| Loan loss allowance to noncurrent loans | 89.3117% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 3.0858% | 478 |
| Noncurrent loans to loans | 1.6709% | 1,462 |
| Net loans and leases to total assets | 62.8200% | 3,478 |
| Net loans and leases to deposits | 71.1110% | 3,860 |
| Net loans and leases to core deposits | 74.4183% | 3,976 |
| Total domestic deposits to total assets | 88.3407% | 1,387 |
| Equity capital to assets | 11.0052% | 3,021 |
| Core capital (leverage) ratio | 10.8463% | 2,649 |
| Tier 1 risk-based capital ratio | 15.7199% | 2,938 |
| Total risk-based capital ratio | 16.9712% | 2,873 |
| Memoranda: | ||
| Average total assets | $168,532,500 | 3,357 |
| Average earning assets | $147,977,000 | 3,464 |
| Average equity | $18,248,750 | 3,378 |
| Average total loans | $109,717,500 | 3,236 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 1,095 |
| Cost of funding earning assets | 0.1577% | 5,798 |
| Net interest margin | 4.5304% | 601 |
| Noninterest income to average assets | 1.2037% | 836 |
| Noninterest expense to average assets | 3.9950% | 675 |
| Loan and lease loss provision to assets | 0.1066% | 2,053 |
| Net operating income to assets | 0.7571% | 3,612 |
| Return on assets (ROA) | 0.7571% | 3,710 |
| Pretax return on assets | 1.0853% | 3,237 |
| Return on Equity (ROE) | 7.0298% | 3,589 |
| Retained earnings to average equity (ytd only) | 2.8823% | 4,205 |
| Net charge-offs to loans | 0.0542% | 2,638 |
| Credit loss provision to net charge-offs | 300.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 33.5333% | 1,266 |
| Efficiency ratio | 77.0215% | 2,202 |
| Assets per employee ($millions) | 2.6421% | 5,958 |
| Cash dividends to net income (ytd only)* | 58.9984% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 2,481 |
| Loan loss allowance to noncurrent loans | 71.7361% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.1846% | 492 |
| Noncurrent loans to loans | 2.0284% | 1,192 |
| Net loans and leases to total assets | 62.7196% | 3,443 |
| Net loans and leases to deposits | 70.8166% | 3,841 |
| Net loans and leases to core deposits | 73.9368% | 3,964 |
| Total domestic deposits to total assets | 88.5661% | 1,382 |
| Equity capital to assets | 10.8431% | 3,060 |
| Core capital (leverage) ratio | 10.7628% | 2,666 |
| Tier 1 risk-based capital ratio | 15.6614% | 3,012 |
| Total risk-based capital ratio | 16.9130% | 2,972 |
| Memoranda: | ||
| Average total assets | $168,809,000 | 3,372 |
| Average earning assets | $148,418,000 | 3,479 |
| Average equity | $18,179,670 | 3,399 |
| Average total loans | $110,641,000 | 3,238 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 1,080 |
| Cost of funding earning assets | 0.1593% | 5,846 |
| Net interest margin | 4.5149% | 590 |
| Noninterest income to average assets | 1.1241% | 892 |
| Noninterest expense to average assets | 3.8917% | 779 |
| Loan and lease loss provision to assets | 0.1304% | 1,589 |
| Net operating income to assets | 0.7470% | 3,555 |
| Return on assets (ROA) | 0.7470% | 3,685 |
| Pretax return on assets | 1.0672% | 3,231 |
| Return on Equity (ROE) | 6.9606% | 3,529 |
| Retained earnings to average equity (ytd only) | 2.8063% | 4,281 |
| Net charge-offs to loans | 0.0892% | 1,824 |
| Credit loss provision to net charge-offs | 220.0000% | 989 |
| Earnings coverage of net charge-offs (x) | 20.2000% | 1,417 |
| Efficiency ratio | 76.4678% | 2,433 |
| Assets per employee ($millions) | 2.6260% | 6,025 |
| Cash dividends to net income (ytd only)* | 59.6825% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 3,028 |
| Loan loss allowance to noncurrent loans | 70.2011% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 3.3618% | 511 |
| Noncurrent loans to loans | 1.9627% | 1,343 |
| Net loans and leases to total assets | 65.4171% | 2,861 |
| Net loans and leases to deposits | 73.7945% | 3,339 |
| Net loans and leases to core deposits | 77.0571% | 3,484 |
| Total domestic deposits to total assets | 88.6477% | 1,478 |
| Equity capital to assets | 10.8257% | 3,169 |
| Core capital (leverage) ratio | 10.4329% | 3,059 |
| Tier 1 risk-based capital ratio | 15.0633% | 3,399 |
| Total risk-based capital ratio | 16.3151% | 3,317 |
| Memoranda: | ||
| Average total assets | $168,666,500 | 3,389 |
| Average earning assets | $148,131,500 | 3,494 |
| Average equity | $18,102,000 | 3,430 |
| Average total loans | $112,151,000 | 3,224 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 788 |
| Cost of funding earning assets | 0.1667% | 6,000 |
| Net interest margin | 4.8256% | 414 |
| Noninterest income to average assets | 1.1457% | 923 |
| Noninterest expense to average assets | 3.9579% | 796 |
| Loan and lease loss provision to assets | 0.1257% | 2,084 |
| Net operating income to assets | 0.9045% | 2,851 |
| Return on assets (ROA) | 0.9045% | 2,936 |
| Pretax return on assets | 1.3408% | 2,104 |
| Return on Equity (ROE) | 8.6172% | 2,777 |
| Retained earnings to average equity (ytd only) | 4.4655% | 2,998 |
| Net charge-offs to loans | 0.1047% | 3,012 |
| Credit loss provision to net charge-offs | 177.9661% | 1,364 |
| Earnings coverage of net charge-offs (x) | 20.7627% | 1,711 |
| Efficiency ratio | 72.9640% | 3,042 |
| Assets per employee ($millions) | 2.6448% | 6,071 |
| Cash dividends to net income (ytd only)* | 48.1800% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 3,064 |
| Loan loss allowance to noncurrent loans | 66.4243% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.5671% | 518 |
| Noncurrent loans to loans | 2.0723% | 1,319 |
| Net loans and leases to total assets | 65.7358% | 2,935 |
| Net loans and leases to deposits | 75.0842% | 3,301 |
| Net loans and leases to core deposits | 78.6373% | 3,450 |
| Total domestic deposits to total assets | 87.5495% | 2,006 |
| Equity capital to assets | 10.6398% | 3,312 |
| Core capital (leverage) ratio | 10.4993% | 2,946 |
| Tier 1 risk-based capital ratio | 15.2507% | 3,347 |
| Total risk-based capital ratio | 16.5044% | 3,293 |
| Memoranda: | ||
| Average total assets | $167,058,600 | 3,377 |
| Average earning assets | $148,127,600 | 3,475 |
| Average equity | $17,534,600 | 3,448 |
| Average total loans | $112,651,000 | 3,166 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9994% | 772 |
| Cost of funding earning assets | 0.1674% | 6,079 |
| Net interest margin | 4.8319% | 400 |
| Noninterest income to average assets | 1.1010% | 1,001 |
| Noninterest expense to average assets | 3.9373% | 807 |
| Loan and lease loss provision to assets | 0.1313% | 1,911 |
| Net operating income to assets | 0.8952% | 2,933 |
| Return on assets (ROA) | 0.8952% | 3,029 |
| Pretax return on assets | 1.3309% | 2,270 |
| Return on Equity (ROE) | 8.5591% | 2,922 |
| Retained earnings to average equity (ytd only) | 4.3944% | 3,522 |
| Net charge-offs to loans | 0.0876% | 2,957 |
| Credit loss provision to net charge-offs | 221.6216% | 1,169 |
| Earnings coverage of net charge-offs (x) | 24.6768% | 1,533 |
| Efficiency ratio | 72.9201% | 3,013 |
| Assets per employee ($millions) | 2.6208% | 6,140 |
| Cash dividends to net income (ytd only)* | 48.6586% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 3,360 |
| Loan loss allowance to noncurrent loans | 127.1534% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 2.8379% | 858 |
| Noncurrent loans to loans | 1.0684% | 2,938 |
| Net loans and leases to total assets | 67.0967% | 2,669 |
| Net loans and leases to deposits | 75.4627% | 3,248 |
| Net loans and leases to core deposits | 78.6435% | 3,477 |
| Total domestic deposits to total assets | 88.9138% | 1,294 |
| Equity capital to assets | 10.5860% | 3,448 |
| Core capital (leverage) ratio | 10.4661% | 3,082 |
| Tier 1 risk-based capital ratio | 15.5848% | 3,272 |
| Total risk-based capital ratio | 16.8326% | 3,208 |
| Memoranda: | ||
| Average total assets | $166,505,750 | 3,414 |
| Average earning assets | $148,122,000 | 3,510 |
| Average equity | $17,415,750 | 3,480 |
| Average total loans | $112,607,750 | 3,188 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 731 |
| Cost of funding earning assets | 0.1715% | 6,126 |
| Net interest margin | 4.8433% | 382 |
| Noninterest income to average assets | 1.0464% | 1,084 |
| Noninterest expense to average assets | 3.9350% | 822 |
| Loan and lease loss provision to assets | 0.1240% | 1,989 |
| Net operating income to assets | 0.8790% | 2,909 |
| Return on assets (ROA) | 0.8790% | 2,996 |
| Pretax return on assets | 1.3053% | 2,235 |
| Return on Equity (ROE) | 8.4382% | 2,874 |
| Retained earnings to average equity (ytd only) | 4.2769% | 3,455 |
| Net charge-offs to loans | 0.0767% | 2,925 |
| Credit loss provision to net charge-offs | 239.5349% | 1,021 |
| Earnings coverage of net charge-offs (x) | 27.6047% | 1,335 |
| Efficiency ratio | 73.3558% | 3,096 |
| Assets per employee ($millions) | 2.5079% | 6,290 |
| Cash dividends to net income (ytd only)* | 49.3151% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 3,614 |
| Loan loss allowance to noncurrent loans | 71.9016% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.2249% | 765 |
| Noncurrent loans to loans | 1.8708% | 1,836 |
| Net loans and leases to total assets | 67.3508% | 2,523 |
| Net loans and leases to deposits | 75.7550% | 3,089 |
| Net loans and leases to core deposits | 78.9867% | 3,322 |
| Total domestic deposits to total assets | 88.9061% | 1,413 |
| Equity capital to assets | 10.6028% | 3,306 |
| Core capital (leverage) ratio | 10.4138% | 3,069 |
| Tier 1 risk-based capital ratio | 14.6440% | 3,841 |
| Total risk-based capital ratio | 15.8949% | 3,789 |
| Memoranda: | ||
| Average total assets | $166,097,330 | 3,436 |
| Average earning assets | $148,081,000 | 3,516 |
| Average equity | $17,302,330 | 3,499 |
| Average total loans | $112,113,000 | 3,198 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 1,346 |
| Cost of funding earning assets | 0.1741% | 6,204 |
| Net interest margin | 4.4852% | 675 |
| Noninterest income to average assets | 0.9592% | 1,233 |
| Noninterest expense to average assets | 3.8609% | 916 |
| Loan and lease loss provision to assets | 0.1298% | 1,872 |
| Net operating income to assets | 0.6779% | 3,798 |
| Return on assets (ROA) | 0.6779% | 3,880 |
| Pretax return on assets | 0.9953% | 3,337 |
| Return on Equity (ROE) | 6.5663% | 3,705 |
| Retained earnings to average equity (ytd only) | 2.4682% | 4,594 |
| Net charge-offs to loans | 0.0860% | 2,293 |
| Credit loss provision to net charge-offs | 225.0000% | 960 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,373 |
| Efficiency ratio | 77.4349% | 2,567 |
| Assets per employee ($millions) | 2.5828% | 6,310 |
| Cash dividends to net income (ytd only)* | 62.4113% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,884 |
| Loan loss allowance to noncurrent loans | 45.6915% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 3.2410% | 831 |
| Noncurrent loans to loans | 2.9407% | 1,098 |
| Net loans and leases to total assets | 65.1666% | 2,701 |
| Net loans and leases to deposits | 73.0684% | 3,193 |
| Net loans and leases to core deposits | 76.1761% | 3,391 |
| Total domestic deposits to total assets | 89.1857% | 1,541 |
| Equity capital to assets | 10.2776% | 3,508 |
| Core capital (leverage) ratio | 10.0629% | 3,481 |
| Tier 1 risk-based capital ratio | 14.8792% | 3,772 |
| Total risk-based capital ratio | 16.0719% | 3,755 |
| Memoranda: | ||
| Average total assets | $166,384,500 | 3,457 |
| Average earning assets | $149,379,500 | 3,518 |
| Average equity | $17,178,500 | 3,523 |
| Average total loans | $111,669,000 | 3,225 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 1,100 |
| Cost of funding earning assets | 0.2116% | 6,222 |
| Net interest margin | 4.6881% | 519 |
| Noninterest income to average assets | 1.0501% | 1,273 |
| Noninterest expense to average assets | 4.0068% | 870 |
| Loan and lease loss provision to assets | 0.1500% | 2,404 |
| Net operating income to assets | 0.7629% | 3,482 |
| Return on assets (ROA) | 0.7629% | 3,578 |
| Pretax return on assets | 1.1523% | 2,765 |
| Return on Equity (ROE) | 7.4567% | 3,316 |
| Retained earnings to average equity (ytd only) | 3.2556% | 3,910 |
| Net charge-offs to loans | 0.1105% | 3,721 |
| Credit loss provision to net charge-offs | 196.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 17.0160% | 1,745 |
| Efficiency ratio | 75.4700% | 2,862 |
| Assets per employee ($millions) | 2.5764% | 6,347 |
| Cash dividends to net income (ytd only)* | 56.3403% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,153 |
| Loan loss allowance to noncurrent loans | 41.5718% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 3.2743% | 923 |
| Noncurrent loans to loans | 3.1232% | 1,101 |
| Net loans and leases to total assets | 67.3097% | 2,473 |
| Net loans and leases to deposits | 75.5450% | 3,025 |
| Net loans and leases to core deposits | 78.8439% | 3,261 |
| Total domestic deposits to total assets | 89.0988% | 1,557 |
| Equity capital to assets | 10.3724% | 3,320 |
| Core capital (leverage) ratio | 10.2729% | 3,187 |
| Tier 1 risk-based capital ratio | 15.0260% | 3,647 |
| Total risk-based capital ratio | 16.2724% | 3,593 |
| Memoranda: | ||
| Average total assets | $163,320,600 | 3,505 |
| Average earning assets | $148,376,600 | 3,535 |
| Average equity | $16,709,800 | 3,598 |
| Average total loans | $113,077,000 | 3,187 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 1,065 |
| Cost of funding earning assets | 0.2179% | 6,303 |
| Net interest margin | 4.7142% | 502 |
| Noninterest income to average assets | 1.1072% | 1,196 |
| Noninterest expense to average assets | 4.0033% | 855 |
| Loan and lease loss provision to assets | 0.1326% | 2,623 |
| Net operating income to assets | 0.8282% | 3,206 |
| Return on assets (ROA) | 0.8282% | 3,326 |
| Pretax return on assets | 1.2561% | 2,493 |
| Return on Equity (ROE) | 8.1227% | 3,062 |
| Retained earnings to average equity (ytd only) | 3.9008% | 3,908 |
| Net charge-offs to loans | 0.0848% | 3,735 |
| Credit loss provision to net charge-offs | 225.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 23.5689% | 1,462 |
| Efficiency ratio | 74.2450% | 3,023 |
| Assets per employee ($millions) | 2.4477% | 6,514 |
| Cash dividends to net income (ytd only)* | 51.9766% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,464 |
| Loan loss allowance to noncurrent loans | 42.0836% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 3.1296% | 1,162 |
| Noncurrent loans to loans | 3.0576% | 1,303 |
| Net loans and leases to total assets | 65.9106% | 2,659 |
| Net loans and leases to deposits | 73.7345% | 3,280 |
| Net loans and leases to core deposits | 77.0419% | 3,491 |
| Total domestic deposits to total assets | 89.3891% | 1,364 |
| Equity capital to assets | 10.1279% | 3,735 |
| Core capital (leverage) ratio | 10.2840% | 3,268 |
| Tier 1 risk-based capital ratio | 15.5418% | 3,449 |
| Total risk-based capital ratio | 16.7957% | 3,407 |
| Memoranda: | ||
| Average total assets | $162,928,250 | 3,554 |
| Average earning assets | $148,087,000 | 3,575 |
| Average equity | $16,611,500 | 3,653 |
| Average total loans | $113,234,500 | 3,203 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 1,007 |
| Cost of funding earning assets | 0.2299% | 6,310 |
| Net interest margin | 4.7176% | 492 |
| Noninterest income to average assets | 1.0881% | 1,293 |
| Noninterest expense to average assets | 4.0530% | 816 |
| Loan and lease loss provision to assets | 0.1298% | 2,697 |
| Net operating income to assets | 0.7851% | 3,376 |
| Return on assets (ROA) | 0.7851% | 3,540 |
| Pretax return on assets | 1.1931% | 2,706 |
| Return on Equity (ROE) | 7.6832% | 3,243 |
| Retained earnings to average equity (ytd only) | 3.4483% | 4,125 |
| Net charge-offs to loans | 0.0790% | 3,584 |
| Credit loss provision to net charge-offs | 233.3333% | 1,062 |
| Earnings coverage of net charge-offs (x) | 23.7778% | 1,320 |
| Efficiency ratio | 75.3910% | 2,881 |
| Assets per employee ($millions) | 2.5445% | 6,456 |
| Cash dividends to net income (ytd only)* | 55.1181% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,709 |
| Loan loss allowance to noncurrent loans | 51.3573% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.9844% | 1,364 |
| Noncurrent loans to loans | 2.4484% | 1,914 |
| Net loans and leases to total assets | 67.5114% | 2,335 |
| Net loans and leases to deposits | 75.6119% | 2,933 |
| Net loans and leases to core deposits | 79.2205% | 3,125 |
| Total domestic deposits to total assets | 89.2867% | 1,457 |
| Equity capital to assets | 10.2687% | 3,577 |
| Core capital (leverage) ratio | 10.2587% | 3,157 |
| Tier 1 risk-based capital ratio | 14.0028% | 4,423 |
| Total risk-based capital ratio | 15.1800% | 4,431 |
| Memoranda: | ||
| Average total assets | $161,757,000 | 3,585 |
| Average earning assets | $147,022,670 | 3,610 |
| Average equity | $16,529,670 | 3,693 |
| Average total loans | $113,935,000 | 3,194 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 915 |
| Cost of funding earning assets | 0.2459% | 6,314 |
| Net interest margin | 4.7397% | 445 |
| Noninterest income to average assets | 1.0272% | 1,406 |
| Noninterest expense to average assets | 4.0642% | 824 |
| Loan and lease loss provision to assets | 0.1365% | 2,535 |
| Net operating income to assets | 0.7419% | 3,464 |
| Return on assets (ROA) | 0.7419% | 3,602 |
| Pretax return on assets | 1.1314% | 2,844 |
| Return on Equity (ROE) | 7.2778% | 3,337 |
| Retained earnings to average equity (ytd only) | 3.0182% | 4,474 |
| Net charge-offs to loans | 0.0868% | 2,971 |
| Credit loss provision to net charge-offs | 220.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 20.4400% | 1,185 |
| Efficiency ratio | 76.2215% | 2,889 |
| Assets per employee ($millions) | 2.5292% | 6,553 |
| Cash dividends to net income (ytd only)* | 58.5284% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,143 |
| Loan loss allowance to noncurrent loans | 50.5349% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 3.0611% | 1,455 |
| Noncurrent loans to loans | 2.3925% | 2,169 |
| Net loans and leases to total assets | 69.1545% | 1,813 |
| Net loans and leases to deposits | 77.4807% | 2,422 |
| Net loans and leases to core deposits | 81.7804% | 2,602 |
| Total domestic deposits to total assets | 89.2538% | 1,527 |
| Equity capital to assets | 10.2155% | 3,889 |
| Core capital (leverage) ratio | 10.0153% | 3,363 |
| Tier 1 risk-based capital ratio | 15.1548% | 3,735 |
| Total risk-based capital ratio | 16.4045% | 3,689 |
| Memoranda: | ||
| Average total assets | $161,213,000 | 3,624 |
| Average earning assets | $146,421,500 | 3,657 |
| Average equity | $16,433,500 | 3,748 |
| Average total loans | $115,233,000 | 3,175 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 718 |
| Cost of funding earning assets | 0.3641% | 6,136 |
| Net interest margin | 5.0669% | 338 |
| Noninterest income to average assets | 0.9973% | 1,542 |
| Noninterest expense to average assets | 3.9749% | 1,005 |
| Loan and lease loss provision to assets | 0.1841% | 3,335 |
| Net operating income to assets | 0.9203% | 2,710 |
| Return on assets (ROA) | 0.9203% | 2,949 |
| Pretax return on assets | 1.4037% | 2,026 |
| Return on Equity (ROE) | 9.7197% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.2367% | 2,547 |
| Net charge-offs to loans | 0.1492% | 4,196 |
| Credit loss provision to net charge-offs | 168.9655% | 1,567 |
| Earnings coverage of net charge-offs (x) | 14.5747% | 1,723 |
| Efficiency ratio | 71.4575% | 3,525 |
| Assets per employee ($millions) | 2.4701% | 6,641 |
| Cash dividends to net income (ytd only)* | 46.1224% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,371 |
| Loan loss allowance to noncurrent loans | 195.0509% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 2,749 |
| Noncurrent loans to loans | 0.5864% | 5,067 |
| Net loans and leases to total assets | 72.1342% | 1,463 |
| Net loans and leases to deposits | 80.7152% | 2,188 |
| Net loans and leases to core deposits | 84.8424% | 2,447 |
| Total domestic deposits to total assets | 89.3688% | 1,321 |
| Equity capital to assets | 10.1716% | 3,929 |
| Core capital (leverage) ratio | 10.2021% | 3,139 |
| Tier 1 risk-based capital ratio | 14.3094% | 4,157 |
| Total risk-based capital ratio | 15.4858% | 4,171 |
| Memoranda: | ||
| Average total assets | $159,725,800 | 3,627 |
| Average earning assets | $143,915,600 | 3,665 |
| Average equity | $15,124,000 | 3,938 |
| Average total loans | $116,594,000 | 3,149 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4751% | 722 |
| Cost of funding earning assets | 0.3950% | 6,148 |
| Net interest margin | 5.0801% | 353 |
| Noninterest income to average assets | 0.9612% | 1,635 |
| Noninterest expense to average assets | 3.9652% | 984 |
| Loan and lease loss provision to assets | 0.2098% | 2,973 |
| Net operating income to assets | 0.8893% | 3,039 |
| Return on assets (ROA) | 0.8893% | 3,274 |
| Pretax return on assets | 1.3549% | 2,396 |
| Return on Equity (ROE) | 9.5709% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.0463% | 3,338 |
| Net charge-offs to loans | 0.1843% | 3,641 |
| Credit loss provision to net charge-offs | 155.9006% | 1,803 |
| Earnings coverage of net charge-offs (x) | 11.6274% | 2,063 |
| Efficiency ratio | 71.7050% | 3,376 |
| Assets per employee ($millions) | 2.4638% | 6,727 |
| Cash dividends to net income (ytd only)* | 47.2745% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,604 |
| Loan loss allowance to noncurrent loans | 159.5615% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.7915% | 2,926 |
| Noncurrent loans to loans | 0.7068% | 5,027 |
| Net loans and leases to total assets | 71.7192% | 1,599 |
| Net loans and leases to deposits | 79.6850% | 2,439 |
| Net loans and leases to core deposits | 83.8197% | 2,720 |
| Total domestic deposits to total assets | 90.0034% | 849 |
| Equity capital to assets | 9.4940% | 5,213 |
| Core capital (leverage) ratio | 9.5895% | 4,131 |
| Tier 1 risk-based capital ratio | 13.7025% | 4,753 |
| Total risk-based capital ratio | 14.8780% | 4,758 |
| Memoranda: | ||
| Average total assets | $159,518,500 | 3,668 |
| Average earning assets | $143,458,500 | 3,706 |
| Average equity | $14,822,250 | 4,044 |
| Average total loans | $116,453,750 | 3,195 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5062% | 715 |
| Cost of funding earning assets | 0.4266% | 6,122 |
| Net interest margin | 5.0796% | 350 |
| Noninterest income to average assets | 1.0031% | 1,458 |
| Noninterest expense to average assets | 3.9922% | 948 |
| Loan and lease loss provision to assets | 0.2285% | 2,792 |
| Net operating income to assets | 0.8813% | 2,993 |
| Return on assets (ROA) | 0.8813% | 3,249 |
| Pretax return on assets | 1.3420% | 2,415 |
| Return on Equity (ROE) | 9.5543% | 2,554 |
| Retained earnings to average equity (ytd only) | 4.9949% | 3,283 |
| Net charge-offs to loans | 0.2094% | 3,311 |
| Credit loss provision to net charge-offs | 149.1803% | 1,857 |
| Earnings coverage of net charge-offs (x) | 10.2541% | 2,073 |
| Efficiency ratio | 71.7671% | 3,468 |
| Assets per employee ($millions) | 2.4419% | 6,805 |
| Cash dividends to net income (ytd only)* | 47.7208% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,738 |
| Loan loss allowance to noncurrent loans | 222.9965% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 1.7616% | 3,089 |
| Noncurrent loans to loans | 0.4983% | 5,539 |
| Net loans and leases to total assets | 71.7737% | 1,595 |
| Net loans and leases to deposits | 79.7201% | 2,419 |
| Net loans and leases to core deposits | 84.4991% | 2,627 |
| Total domestic deposits to total assets | 90.0322% | 907 |
| Equity capital to assets | 9.4688% | 5,107 |
| Core capital (leverage) ratio | 9.4760% | 4,171 |
| Tier 1 risk-based capital ratio | 13.6760% | 4,693 |
| Total risk-based capital ratio | 14.8392% | 4,723 |
| Memoranda: | ||
| Average total assets | $159,310,000 | 3,676 |
| Average earning assets | $143,002,000 | 3,737 |
| Average equity | $14,695,000 | 4,050 |
| Average total loans | $116,550,330 | 3,209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 823 |
| Cost of funding earning assets | 0.4491% | 6,148 |
| Net interest margin | 5.0066% | 394 |
| Noninterest income to average assets | 1.0100% | 1,403 |
| Noninterest expense to average assets | 3.9598% | 982 |
| Loan and lease loss provision to assets | 0.2832% | 2,202 |
| Net operating income to assets | 0.8471% | 3,176 |
| Return on assets (ROA) | 0.8471% | 3,415 |
| Pretax return on assets | 1.2932% | 2,562 |
| Return on Equity (ROE) | 9.3062% | 2,678 |
| Retained earnings to average equity (ytd only) | 4.6806% | 3,758 |
| Net charge-offs to loans | 0.2832% | 2,536 |
| Credit loss provision to net charge-offs | 136.1446% | 1,806 |
| Earnings coverage of net charge-offs (x) | 7.5783% | 2,061 |
| Efficiency ratio | 71.5256% | 3,526 |
| Assets per employee ($millions) | 2.4652% | 6,874 |
| Cash dividends to net income (ytd only)* | 49.7041% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 5,983 |
| Loan loss allowance to noncurrent loans | 193.7984% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 3,301 |
| Noncurrent loans to loans | 0.5547% | 5,555 |
| Net loans and leases to total assets | 71.7860% | 1,443 |
| Net loans and leases to deposits | 79.8527% | 2,219 |
| Net loans and leases to core deposits | 84.7613% | 2,442 |
| Total domestic deposits to total assets | 89.8980% | 1,141 |
| Equity capital to assets | 9.1896% | 5,248 |
| Core capital (leverage) ratio | 9.1121% | 4,667 |
| Tier 1 risk-based capital ratio | 13.2936% | 4,990 |
| Total risk-based capital ratio | 14.4175% | 5,054 |
| Memoranda: | ||
| Average total assets | $159,604,500 | 3,695 |
| Average earning assets | $144,289,000 | 3,736 |
| Average equity | $14,528,000 | 4,089 |
| Average total loans | $117,225,500 | 3,208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 778 |
| Cost of funding earning assets | 0.6139% | 6,023 |
| Net interest margin | 5.0892% | 346 |
| Noninterest income to average assets | 1.0320% | 1,281 |
| Noninterest expense to average assets | 4.1817% | 831 |
| Loan and lease loss provision to assets | 0.1586% | 4,645 |
| Net operating income to assets | 0.8610% | 2,766 |
| Return on assets (ROA) | 0.7855% | 3,270 |
| Pretax return on assets | 1.1792% | 2,530 |
| Return on Equity (ROE) | 8.8565% | 2,518 |
| Retained earnings to average equity (ytd only) | 4.1948% | 3,195 |
| Net charge-offs to loans | 0.1043% | 5,314 |
| Credit loss provision to net charge-offs | 205.7851% | 1,209 |
| Earnings coverage of net charge-offs (x) | 18.8182% | 1,194 |
| Efficiency ratio | 74.2450% | 3,185 |
| Assets per employee ($millions) | 2.4457% | 6,875 |
| Cash dividends to net income (ytd only)* | 52.6358% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 6,060 |
| Loan loss allowance to noncurrent loans | 170.3911% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 3,374 |
| Noncurrent loans to loans | 0.6059% | 5,504 |
| Net loans and leases to total assets | 73.5685% | 1,345 |
| Net loans and leases to deposits | 81.6057% | 2,255 |
| Net loans and leases to core deposits | 86.5102% | 2,565 |
| Total domestic deposits to total assets | 90.1512% | 912 |
| Equity capital to assets | 9.0147% | 5,538 |
| Core capital (leverage) ratio | 8.9442% | 4,876 |
| Tier 1 risk-based capital ratio | 12.0124% | 5,827 |
| Total risk-based capital ratio | 13.0300% | 5,955 |
| Memoranda: | ||
| Average total assets | $156,970,600 | 3,681 |
| Average earning assets | $141,888,600 | 3,711 |
| Average equity | $13,922,000 | 4,124 |
| Average total loans | $115,992,600 | 3,255 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 834 |
| Cost of funding earning assets | 0.6458% | 6,052 |
| Net interest margin | 5.0674% | 365 |
| Noninterest income to average assets | 1.0115% | 1,311 |
| Noninterest expense to average assets | 4.1881% | 808 |
| Loan and lease loss provision to assets | 0.1244% | 4,871 |
| Net operating income to assets | 0.8560% | 2,918 |
| Return on assets (ROA) | 0.7550% | 3,527 |
| Pretax return on assets | 1.1282% | 2,906 |
| Return on Equity (ROE) | 8.5479% | 2,800 |
| Retained earnings to average equity (ytd only) | 3.8881% | 3,953 |
| Net charge-offs to loans | 0.0647% | 5,317 |
| Credit loss provision to net charge-offs | 260.7143% | 1,094 |
| Earnings coverage of net charge-offs (x) | 29.4127% | 947 |
| Efficiency ratio | 74.9009% | 3,022 |
| Assets per employee ($millions) | 2.5325% | 6,850 |
| Cash dividends to net income (ytd only)* | 54.5145% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,199 |
| Loan loss allowance to noncurrent loans | 468.2353% | 687 |
| Noncurrent assets plus other real estate owned to assets | 1.3740% | 4,071 |
| Noncurrent loans to loans | 0.2166% | 6,445 |
| Net loans and leases to total assets | 71.8959% | 1,733 |
| Net loans and leases to deposits | 79.5314% | 2,713 |
| Net loans and leases to core deposits | 83.5737% | 3,116 |
| Total domestic deposits to total assets | 90.3994% | 677 |
| Equity capital to assets | 8.7369% | 6,043 |
| Core capital (leverage) ratio | 8.8156% | 5,238 |
| Tier 1 risk-based capital ratio | 12.0426% | 5,865 |
| Total risk-based capital ratio | 13.0621% | 6,020 |
| Memoranda: | ||
| Average total assets | $156,470,000 | 3,717 |
| Average earning assets | $141,422,250 | 3,738 |
| Average equity | $13,819,750 | 4,160 |
| Average total loans | $115,447,250 | 3,293 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7364% | 821 |
| Cost of funding earning assets | 0.6852% | 6,040 |
| Net interest margin | 5.0512% | 367 |
| Noninterest income to average assets | 0.9470% | 1,477 |
| Noninterest expense to average assets | 4.2536% | 783 |
| Loan and lease loss provision to assets | 0.1125% | 4,886 |
| Net operating income to assets | 0.7743% | 3,177 |
| Return on assets (ROA) | 0.6520% | 3,913 |
| Pretax return on assets | 0.9599% | 3,393 |
| Return on Equity (ROE) | 7.3544% | 3,265 |
| Retained earnings to average equity (ytd only) | 2.6558% | 4,603 |
| Net charge-offs to loans | 0.0471% | 5,195 |
| Credit loss provision to net charge-offs | 322.2222% | 940 |
| Earnings coverage of net charge-offs (x) | 35.8519% | 808 |
| Efficiency ratio | 77.2556% | 2,817 |
| Assets per employee ($millions) | 2.3960% | 7,026 |
| Cash dividends to net income (ytd only)* | 63.8889% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,275 |
| Loan loss allowance to noncurrent loans | 331.6239% | 954 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 3,978 |
| Noncurrent loans to loans | 0.3058% | 6,310 |
| Net loans and leases to total assets | 70.7714% | 2,057 |
| Net loans and leases to deposits | 78.2239% | 3,084 |
| Net loans and leases to core deposits | 81.8457% | 3,522 |
| Total domestic deposits to total assets | 90.4729% | 726 |
| Equity capital to assets | 8.6961% | 5,949 |
| Core capital (leverage) ratio | 8.6169% | 5,369 |
| Tier 1 risk-based capital ratio | 11.9652% | 5,811 |
| Total risk-based capital ratio | 12.9694% | 6,000 |
| Memoranda: | ||
| Average total assets | $154,599,000 | 3,771 |
| Average earning assets | $139,531,000 | 3,799 |
| Average equity | $13,706,000 | 4,179 |
| Average total loans | $114,688,000 | 3,344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8032% | 735 |
| Cost of funding earning assets | 0.7203% | 6,027 |
| Net interest margin | 5.0829% | 316 |
| Noninterest income to average assets | 0.9127% | 1,617 |
| Noninterest expense to average assets | 4.2550% | 763 |
| Loan and lease loss provision to assets | 0.0818% | 4,979 |
| Net operating income to assets | 0.7960% | 3,052 |
| Return on assets (ROA) | 0.6067% | 4,068 |
| Pretax return on assets | 0.8811% | 3,574 |
| Return on Equity (ROE) | 6.7752% | 3,498 |
| Retained earnings to average equity (ytd only) | 2.0326% | 4,917 |
| Net charge-offs to loans | 0.0035% | 5,080 |
| Credit loss provision to net charge-offs | 3,100.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 469.0000% | 51 |
| Efficiency ratio | 77.4736% | 2,918 |
| Assets per employee ($millions) | 2.2413% | 7,227 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 6,460 |
| Loan loss allowance to noncurrent loans | 164.1100% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.6683% | 3,750 |
| Noncurrent loans to loans | 0.5986% | 5,833 |
| Net loans and leases to total assets | 73.9122% | 1,362 |
| Net loans and leases to deposits | 82.0064% | 2,364 |
| Net loans and leases to core deposits | 85.8047% | 2,900 |
| Total domestic deposits to total assets | 90.1298% | 1,078 |
| Equity capital to assets | 8.8421% | 5,425 |
| Core capital (leverage) ratio | 8.9696% | 4,660 |
| Tier 1 risk-based capital ratio | 12.6036% | 5,162 |
| Total risk-based capital ratio | 13.6438% | 5,344 |
| Memoranda: | ||
| Average total assets | $151,633,000 | 3,855 |
| Average earning assets | $136,614,000 | 3,882 |
| Average equity | $13,579,000 | 4,196 |
| Average total loans | $114,645,000 | 3,375 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1698% | 610 |
| Cost of funding earning assets | 0.8934% | 6,195 |
| Net interest margin | 5.2763% | 249 |
| Noninterest income to average assets | 1.1587% | 1,098 |
| Noninterest expense to average assets | 4.4310% | 695 |
| Loan and lease loss provision to assets | 0.1521% | 5,681 |
| Net operating income to assets | 0.8978% | 2,392 |
| Return on assets (ROA) | 0.6970% | 3,370 |
| Pretax return on assets | 0.9942% | 2,948 |
| Return on Equity (ROE) | 7.7348% | 2,806 |
| Retained earnings to average equity (ytd only) | 2.7335% | 3,944 |
| Net charge-offs to loans | 0.0959% | 5,890 |
| Credit loss provision to net charge-offs | 218.8119% | 1,373 |
| Earnings coverage of net charge-offs (x) | 20.6238% | 995 |
| Efficiency ratio | 75.5602% | 3,116 |
| Assets per employee ($millions) | 2.0642% | 7,392 |
| Cash dividends to net income (ytd only)* | 64.6594% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,491 |
| Loan loss allowance to noncurrent loans | 172.5000% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 1.7017% | 3,748 |
| Noncurrent loans to loans | 0.5621% | 5,926 |
| Net loans and leases to total assets | 75.8645% | 1,298 |
| Net loans and leases to deposits | 84.5867% | 2,363 |
| Net loans and leases to core deposits | 88.4729% | 2,988 |
| Total domestic deposits to total assets | 89.6884% | 1,278 |
| Equity capital to assets | 9.0729% | 5,037 |
| Core capital (leverage) ratio | 9.2527% | 4,092 |
| Tier 1 risk-based capital ratio | 12.5434% | 4,985 |
| Total risk-based capital ratio | 13.5625% | 5,165 |
| Memoranda: | ||
| Average total assets | $145,340,200 | 3,960 |
| Average earning assets | $129,616,200 | 4,023 |
| Average equity | $13,096,600 | 4,350 |
| Average total loans | $105,356,600 | 3,645 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1371% | 705 |
| Cost of funding earning assets | 0.9385% | 6,230 |
| Net interest margin | 5.1986% | 296 |
| Noninterest income to average assets | 1.1486% | 1,060 |
| Noninterest expense to average assets | 4.4366% | 640 |
| Loan and lease loss provision to assets | 0.1596% | 5,444 |
| Net operating income to assets | 0.8815% | 2,690 |
| Return on assets (ROA) | 0.7224% | 3,468 |
| Pretax return on assets | 0.9650% | 3,312 |
| Return on Equity (ROE) | 8.0307% | 2,886 |
| Retained earnings to average equity (ytd only) | 2.9641% | 4,362 |
| Net charge-offs to loans | 0.1072% | 5,475 |
| Credit loss provision to net charge-offs | 208.4337% | 1,693 |
| Earnings coverage of net charge-offs (x) | 17.4584% | 1,324 |
| Efficiency ratio | 76.8456% | 2,786 |
| Assets per employee ($millions) | 2.1237% | 7,445 |
| Cash dividends to net income (ytd only)* | 63.0909% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,408 |
| Loan loss allowance to noncurrent loans | 154.5324% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9020% | 3,613 |
| Noncurrent loans to loans | 0.6454% | 5,916 |
| Net loans and leases to total assets | 72.7604% | 2,064 |
| Net loans and leases to deposits | 81.2408% | 3,228 |
| Net loans and leases to core deposits | 84.5430% | 3,870 |
| Total domestic deposits to total assets | 89.5614% | 1,091 |
| Equity capital to assets | 9.1413% | 5,391 |
| Core capital (leverage) ratio | 9.2258% | 4,326 |
| Tier 1 risk-based capital ratio | 12.6786% | 4,833 |
| Total risk-based capital ratio | 13.6935% | 5,006 |
| Memoranda: | ||
| Average total assets | $144,520,500 | 4,027 |
| Average earning assets | $128,569,500 | 4,097 |
| Average equity | $12,999,750 | 4,440 |
| Average total loans | $103,232,500 | 3,754 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1219% | 725 |
| Cost of funding earning assets | 0.9893% | 6,198 |
| Net interest margin | 5.1326% | 323 |
| Noninterest income to average assets | 1.0358% | 1,265 |
| Noninterest expense to average assets | 4.3879% | 656 |
| Loan and lease loss provision to assets | 0.1641% | 5,250 |
| Net operating income to assets | 0.8069% | 2,937 |
| Return on assets (ROA) | 0.5617% | 4,178 |
| Pretax return on assets | 0.7313% | 4,135 |
| Return on Equity (ROE) | 6.2791% | 3,659 |
| Retained earnings to average equity (ytd only) | 1.1968% | 5,270 |
| Net charge-offs to loans | 0.1140% | 5,033 |
| Credit loss provision to net charge-offs | 203.4483% | 1,917 |
| Earnings coverage of net charge-offs (x) | 15.0517% | 1,478 |
| Efficiency ratio | 78.3321% | 2,670 |
| Assets per employee ($millions) | 2.1317% | 7,490 |
| Cash dividends to net income (ytd only)* | 80.9406% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,385 |
| Loan loss allowance to noncurrent loans | 99.7135% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 2.1022% | 3,376 |
| Noncurrent loans to loans | 1.0059% | 5,302 |
| Net loans and leases to total assets | 70.0552% | 2,881 |
| Net loans and leases to deposits | 78.1672% | 3,933 |
| Net loans and leases to core deposits | 83.3684% | 4,229 |
| Total domestic deposits to total assets | 89.6223% | 1,114 |
| Equity capital to assets | 8.9459% | 5,532 |
| Core capital (leverage) ratio | 9.2813% | 4,156 |
| Tier 1 risk-based capital ratio | 12.4377% | 4,915 |
| Total risk-based capital ratio | 13.4136% | 5,140 |
| Memoranda: | ||
| Average total assets | $143,849,670 | 4,059 |
| Average earning assets | $127,966,000 | 4,137 |
| Average equity | $12,868,000 | 4,466 |
| Average total loans | $101,746,000 | 3,839 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2320% | 599 |
| Cost of funding earning assets | 1.0534% | 6,123 |
| Net interest margin | 5.1786% | 306 |
| Noninterest income to average assets | 1.0040% | 1,294 |
| Noninterest expense to average assets | 4.3928% | 644 |
| Loan and lease loss provision to assets | 0.1828% | 4,689 |
| Net operating income to assets | 0.8765% | 2,649 |
| Return on assets (ROA) | 0.4247% | 4,874 |
| Pretax return on assets | 0.5006% | 4,956 |
| Return on Equity (ROE) | 4.7473% | 4,504 |
| Retained earnings to average equity (ytd only) | -0.4716% | 5,943 |
| Net charge-offs to loans | 0.1392% | 4,101 |
| Credit loss provision to net charge-offs | 185.7143% | 1,971 |
| Earnings coverage of net charge-offs (x) | 12.3429% | 1,572 |
| Efficiency ratio | 78.3350% | 2,848 |
| Assets per employee ($millions) | 2.1289% | 7,593 |
| Cash dividends to net income (ytd only)* | 109.9338% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,446 |
| Loan loss allowance to noncurrent loans | 112.1681% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 2.1733% | 3,308 |
| Noncurrent loans to loans | 0.8945% | 5,529 |
| Net loans and leases to total assets | 70.1400% | 2,899 |
| Net loans and leases to deposits | 78.4498% | 3,955 |
| Net loans and leases to core deposits | 83.8462% | 4,224 |
| Total domestic deposits to total assets | 89.4075% | 1,292 |
| Equity capital to assets | 9.1819% | 5,013 |
| Core capital (leverage) ratio | 9.1766% | 4,263 |
| Tier 1 risk-based capital ratio | 12.7275% | 4,532 |
| Total risk-based capital ratio | 13.7019% | 4,740 |
| Memoranda: | ||
| Average total assets | $142,232,500 | 4,155 |
| Average earning assets | $126,444,500 | 4,229 |
| Average equity | $12,723,000 | 4,538 |
| Average total loans | $100,577,000 | 3,945 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6012% | 550 |
| Cost of funding earning assets | 1.5339% | 5,363 |
| Net interest margin | 5.0673% | 396 |
| Noninterest income to average assets | 1.1675% | 1,128 |
| Noninterest expense to average assets | 4.4579% | 831 |
| Loan and lease loss provision to assets | 0.2163% | 5,626 |
| Net operating income to assets | 0.7825% | 2,594 |
| Return on assets (ROA) | 0.6576% | 3,159 |
| Pretax return on assets | 0.8295% | 3,155 |
| Return on Equity (ROE) | 7.7801% | 2,469 |
| Retained earnings to average equity (ytd only) | 2.4986% | 3,394 |
| Net charge-offs to loans | 0.2919% | 4,810 |
| Credit loss provision to net charge-offs | 106.0714% | 5,222 |
| Earnings coverage of net charge-offs (x) | 5.9036% | 2,473 |
| Efficiency ratio | 78.6982% | 3,094 |
| Assets per employee ($millions) | 2.0857% | 7,672 |
| Cash dividends to net income (ytd only)* | 67.8848% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 6,475 |
| Loan loss allowance to noncurrent loans | 88.8087% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.8269% | 3,635 |
| Noncurrent loans to loans | 1.1070% | 5,113 |
| Net loans and leases to total assets | 69.8807% | 3,280 |
| Net loans and leases to deposits | 77.8223% | 4,417 |
| Net loans and leases to core deposits | 98.7722% | 4,141 |
| Total domestic deposits to total assets | 89.7952% | 1,060 |
| Equity capital to assets | 8.7071% | 5,572 |
| Core capital (leverage) ratio | 9.0013% | 4,419 |
| Tier 1 risk-based capital ratio | 11.4584% | 5,446 |
| Total risk-based capital ratio | 12.3494% | 5,781 |
| Memoranda: | ||
| Average total assets | $137,307,200 | 4,183 |
| Average earning assets | $121,780,400 | 4,266 |
| Average equity | $11,606,600 | 4,838 |
| Average total loans | $95,918,200 | 4,063 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6413% | 571 |
| Cost of funding earning assets | 1.6404% | 5,201 |
| Net interest margin | 5.0009% | 440 |
| Noninterest income to average assets | 1.2082% | 1,057 |
| Noninterest expense to average assets | 4.4960% | 747 |
| Loan and lease loss provision to assets | 0.2066% | 5,333 |
| Net operating income to assets | 0.7266% | 3,109 |
| Return on assets (ROA) | 0.6785% | 3,346 |
| Pretax return on assets | 0.8734% | 3,306 |
| Return on Equity (ROE) | 8.0902% | 2,599 |
| Retained earnings to average equity (ytd only) | 2.7317% | 3,805 |
| Net charge-offs to loans | 0.1911% | 4,874 |
| Credit loss provision to net charge-offs | 155.1471% | 3,083 |
| Earnings coverage of net charge-offs (x) | 8.5735% | 2,224 |
| Efficiency ratio | 79.6978% | 2,897 |
| Assets per employee ($millions) | 1.9647% | 7,824 |
| Cash dividends to net income (ytd only)* | 66.2330% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,992 |
| Loan loss allowance to noncurrent loans | 77.6453% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.6581% | 3,883 |
| Noncurrent loans to loans | 1.3555% | 4,662 |
| Net loans and leases to total assets | 70.2272% | 3,455 |
| Net loans and leases to deposits | 78.3289% | 4,694 |
| Net loans and leases to core deposits | 98.6357% | 4,532 |
| Total domestic deposits to total assets | 89.6568% | 906 |
| Equity capital to assets | 8.8119% | 5,767 |
| Core capital (leverage) ratio | 9.1858% | 4,358 |
| Tier 1 risk-based capital ratio | 11.7322% | 5,214 |
| Total risk-based capital ratio | 12.7145% | 5,411 |
| Memoranda: | ||
| Average total assets | $136,177,500 | 4,231 |
| Average earning assets | $120,615,750 | 4,332 |
| Average equity | $11,421,000 | 4,942 |
| Average total loans | $94,874,500 | 4,125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6947% | 542 |
| Cost of funding earning assets | 1.7550% | 4,976 |
| Net interest margin | 4.9396% | 494 |
| Noninterest income to average assets | 1.2601% | 959 |
| Noninterest expense to average assets | 4.5428% | 746 |
| Loan and lease loss provision to assets | 0.2295% | 4,748 |
| Net operating income to assets | 0.6600% | 3,430 |
| Return on assets (ROA) | 0.6323% | 3,654 |
| Pretax return on assets | 0.8114% | 3,637 |
| Return on Equity (ROE) | 7.6725% | 2,898 |
| Retained earnings to average equity (ytd only) | 2.4437% | 3,979 |
| Net charge-offs to loans | 0.2032% | 4,260 |
| Credit loss provision to net charge-offs | 163.1579% | 2,814 |
| Earnings coverage of net charge-offs (x) | 7.6526% | 2,413 |
| Efficiency ratio | 80.7642% | 2,924 |
| Assets per employee ($millions) | 1.8411% | 7,947 |
| Cash dividends to net income (ytd only)* | 68.1499% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,776 |
| Loan loss allowance to noncurrent loans | 87.4787% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 3,854 |
| Noncurrent loans to loans | 1.2250% | 4,757 |
| Net loans and leases to total assets | 69.5869% | 3,799 |
| Net loans and leases to deposits | 77.7752% | 4,913 |
| Net loans and leases to core deposits | 98.3067% | 4,670 |
| Total domestic deposits to total assets | 89.4718% | 1,056 |
| Equity capital to assets | 8.8731% | 5,489 |
| Core capital (leverage) ratio | 9.2454% | 4,243 |
| Tier 1 risk-based capital ratio | 11.6060% | 5,282 |
| Total risk-based capital ratio | 12.5629% | 5,482 |
| Memoranda: | ||
| Average total assets | $135,072,330 | 4,279 |
| Average earning assets | $119,199,000 | 4,390 |
| Average equity | $11,130,670 | 5,045 |
| Average total loans | $93,498,000 | 4,186 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6297% | 665 |
| Cost of funding earning assets | 1.8765% | 4,759 |
| Net interest margin | 4.7532% | 677 |
| Noninterest income to average assets | 1.4277% | 692 |
| Noninterest expense to average assets | 4.4763% | 727 |
| Loan and lease loss provision to assets | 0.2260% | 4,189 |
| Net operating income to assets | 0.7327% | 3,416 |
| Return on assets (ROA) | 0.6662% | 3,899 |
| Pretax return on assets | 0.8655% | 3,842 |
| Return on Equity (ROE) | 8.4120% | 2,961 |
| Retained earnings to average equity (ytd only) | 3.0418% | 4,185 |
| Net charge-offs to loans | 0.1993% | 3,440 |
| Credit loss provision to net charge-offs | 165.2174% | 2,586 |
| Earnings coverage of net charge-offs (x) | 8.6087% | 2,166 |
| Efficiency ratio | 79.0110% | 3,001 |
| Assets per employee ($millions) | 1.9043% | 7,958 |
| Cash dividends to net income (ytd only)* | 63.8393% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 5,600 |
| Loan loss allowance to noncurrent loans | 51.6580% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 3,224 |
| Noncurrent loans to loans | 2.0947% | 3,124 |
| Net loans and leases to total assets | 66.4731% | 4,473 |
| Net loans and leases to deposits | 74.4843% | 5,419 |
| Net loans and leases to core deposits | 96.5416% | 4,897 |
| Total domestic deposits to total assets | 89.2445% | 1,121 |
| Equity capital to assets | 7.9308% | 6,919 |
| Core capital (leverage) ratio | 8.1621% | 6,171 |
| Tier 1 risk-based capital ratio | 11.0508% | 5,860 |
| Total risk-based capital ratio | 12.0434% | 6,004 |
| Memoranda: | ||
| Average total assets | $134,486,500 | 4,316 |
| Average earning assets | $119,582,500 | 4,394 |
| Average equity | $10,651,500 | 5,201 |
| Average total loans | $92,329,500 | 4,248 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3842% | 508 |
| Cost of funding earning assets | 2.4509% | 4,468 |
| Net interest margin | 4.9333% | 591 |
| Noninterest income to average assets | 1.1882% | 1,077 |
| Noninterest expense to average assets | 4.0839% | 1,306 |
| Loan and lease loss provision to assets | 0.1339% | 5,648 |
| Net operating income to assets | 1.3238% | 1,419 |
| Return on assets (ROA) | 0.5795% | 4,257 |
| Pretax return on assets | 0.6218% | 4,620 |
| Return on Equity (ROE) | 7.2336% | 3,412 |
| Retained earnings to average equity (ytd only) | 1.8636% | 4,065 |
| Net charge-offs to loans | 0.0939% | 5,392 |
| Credit loss provision to net charge-offs | 207.1429% | 2,338 |
| Earnings coverage of net charge-offs (x) | 24.0714% | 1,386 |
| Efficiency ratio | 72.4110% | 3,860 |
| Assets per employee ($millions) | 1.9681% | 7,938 |
| Cash dividends to net income (ytd only)* | 74.2364% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 5,666 |
| Loan loss allowance to noncurrent loans | 161.9765% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 4,515 |
| Noncurrent loans to loans | 0.6453% | 5,432 |
| Net loans and leases to total assets | 69.4309% | 4,159 |
| Net loans and leases to deposits | 78.0656% | 5,329 |
| Net loans and leases to core deposits | 102.2379% | 4,583 |
| Total domestic deposits to total assets | 88.9392% | 1,070 |
| Equity capital to assets | 7.9090% | 6,957 |
| Core capital (leverage) ratio | 8.1464% | 6,258 |
| Tier 1 risk-based capital ratio | 11.2589% | 5,479 |
| Total risk-based capital ratio | 12.2794% | 5,597 |
| Memoranda: | ||
| Average total assets | $129,948,000 | 4,287 |
| Average earning assets | $117,264,200 | 4,329 |
| Average equity | $10,409,800 | 5,290 |
| Average total loans | $89,463,000 | 4,245 |