Home > Crossroads Bank > Performance and Condition Ratios
Crossroads 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 | 4.0599% | 3,866 |
| Cost of funding earning assets | 1.1546% | 2,923 |
| Net interest margin | 2.9053% | 3,479 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.4342% | 4,369 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.3220% | 1,388 |
| Return on assets (ROA) | 1.3023% | 1,401 |
| Pretax return on assets | 1.6056% | 1,219 |
| Return on Equity (ROE) | 10.8100% | 2,275 |
| Retained earnings to average equity (ytd only) | 7.9475% | 1,554 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.6331% | 4,170 |
| Assets per employee ($millions) | 8.9431% | 1,003 |
| Cash dividends to net income (ytd only)* | 26.4695% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,356 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.6000% | 2,412 |
| Net loans and leases to deposits | 75.8192% | 2,473 |
| Net loans and leases to core deposits | 81.1710% | 2,642 |
| Total domestic deposits to total assets | 85.2000% | 2,250 |
| Equity capital to assets | 12.6867% | 947 |
| Core capital (leverage) ratio | 15.9115% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $212,937,600 | 2,888 |
| Average earning assets | $199,290,400 | 2,877 |
| Average equity | $25,656,000 | 2,480 |
| Average total loans | $135,409,400 | 2,812 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,841 |
| Cost of funding earning assets | 1.0814% | 2,798 |
| Net interest margin | 2.9208% | 3,497 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.4392% | 4,363 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.3531% | 1,415 |
| Return on assets (ROA) | 1.3263% | 1,463 |
| Pretax return on assets | 1.6268% | 1,302 |
| Return on Equity (ROE) | 11.1600% | 2,333 |
| Retained earnings to average equity (ytd only) | 10.4183% | 1,293 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.9121% | 4,094 |
| Assets per employee ($millions) | 8.6153% | 1,076 |
| Cash dividends to net income (ytd only)* | 6.6225% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,472 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.5400% | 2,383 |
| Net loans and leases to deposits | 73.6926% | 2,595 |
| Net loans and leases to core deposits | 79.0138% | 2,671 |
| Total domestic deposits to total assets | 87.5800% | 1,710 |
| Equity capital to assets | 11.8888% | 1,066 |
| Core capital (leverage) ratio | 15.7840% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $212,513,500 | 2,898 |
| Average earning assets | $198,755,000 | 2,886 |
| Average equity | $25,262,500 | 2,487 |
| Average total loans | $134,252,000 | 2,827 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 3,844 |
| Cost of funding earning assets | 1.0179% | 2,539 |
| Net interest margin | 2.8938% | 3,656 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.4112% | 4,405 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.3605% | 1,419 |
| Return on assets (ROA) | 1.3207% | 1,494 |
| Pretax return on assets | 1.6043% | 1,409 |
| Return on Equity (ROE) | 11.1100% | 2,390 |
| Retained earnings to average equity (ytd only) | 10.0120% | 1,400 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.2691% | 4,153 |
| Assets per employee ($millions) | 8.8314% | 962 |
| Cash dividends to net income (ytd only)* | 9.8870% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,405 |
| Loan loss allowance to noncurrent loans | 2,092.3077% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,480 |
| Noncurrent loans to loans | 0.0479% | 3,374 |
| Net loans and leases to total assets | 63.3800% | 2,444 |
| Net loans and leases to deposits | 72.6149% | 2,602 |
| Net loans and leases to core deposits | 77.6325% | 2,647 |
| Total domestic deposits to total assets | 87.2800% | 1,836 |
| Equity capital to assets | 12.1716% | 1,002 |
| Core capital (leverage) ratio | 15.1335% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $214,429,333 | 2,899 |
| Average earning assets | $201,189,000 | 2,882 |
| Average equity | $25,489,333 | 2,493 |
| Average total loans | $134,082,000 | 2,830 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 3,896 |
| Cost of funding earning assets | 0.9570% | 2,196 |
| Net interest margin | 2.8236% | 3,919 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.4337% | 4,446 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 1.2916% | 1,694 |
| Return on assets (ROA) | 1.2427% | 1,790 |
| Pretax return on assets | 1.5561% | 1,567 |
| Return on Equity (ROE) | 10.5800% | 2,613 |
| Retained earnings to average equity (ytd only) | 10.5783% | 1,563 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.0721% | 4,077 |
| Assets per employee ($millions) | 9.4117% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,411 |
| Loan loss allowance to noncurrent loans | 2,060.0000% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,477 |
| Noncurrent loans to loans | 0.0498% | 3,385 |
| Net loans and leases to total assets | 59.7300% | 2,687 |
| Net loans and leases to deposits | 68.3363% | 2,746 |
| Net loans and leases to core deposits | 72.3045% | 2,798 |
| Total domestic deposits to total assets | 87.4100% | 2,129 |
| Equity capital to assets | 11.9934% | 1,002 |
| Core capital (leverage) ratio | 14.7215% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1670% | 727 |
| Memoranda: | ||
| Average total assets | $215,667,500 | 2,935 |
| Average earning assets | $202,716,500 | 2,915 |
| Average equity | $25,335,000 | 2,528 |
| Average total loans | $133,280,000 | 2,869 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 3,290 |
| Cost of funding earning assets | 0.5167% | 1,289 |
| Net interest margin | 2.9053% | 3,664 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.3704% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3609% | 1,241 |
| Return on assets (ROA) | 1.3612% | 1,198 |
| Pretax return on assets | 1.7161% | 886 |
| Return on Equity (ROE) | 11.4000% | 2,344 |
| Retained earnings to average equity (ytd only) | 8.5296% | 1,630 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.4065% | 4,412 |
| Assets per employee ($millions) | 8.9528% | 937 |
| Cash dividends to net income (ytd only)* | 25.1937% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 3,763 |
| Loan loss allowance to noncurrent loans | 2,229.0909% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,574 |
| Noncurrent loans to loans | 0.0405% | 3,482 |
| Net loans and leases to total assets | 62.6900% | 2,360 |
| Net loans and leases to deposits | 71.2047% | 2,468 |
| Net loans and leases to core deposits | 74.5135% | 2,529 |
| Total domestic deposits to total assets | 88.0400% | 2,063 |
| Equity capital to assets | 11.4993% | 1,086 |
| Core capital (leverage) ratio | 14.6718% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8502% | 847 |
| Memoranda: | ||
| Average total assets | $218,113,200 | 2,917 |
| Average earning assets | $204,936,600 | 2,891 |
| Average equity | $26,038,600 | 2,528 |
| Average total loans | $134,778,200 | 2,780 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3518% | 3,045 |
| Cost of funding earning assets | 0.4423% | 1,019 |
| Net interest margin | 2.9095% | 3,475 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.3709% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3826% | 1,135 |
| Return on assets (ROA) | 1.3831% | 1,105 |
| Pretax return on assets | 1.7040% | 897 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 10.6730% | 1,146 |
| Net charge-offs to loans | -0.0010% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.5919% | 4,444 |
| Assets per employee ($millions) | 8.5238% | 1,055 |
| Cash dividends to net income (ytd only)* | 7.0454% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 3,856 |
| Loan loss allowance to noncurrent loans | 2,229.0909% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,676 |
| Noncurrent loans to loans | 0.0403% | 3,599 |
| Net loans and leases to total assets | 63.4300% | 2,148 |
| Net loans and leases to deposits | 73.5645% | 2,088 |
| Net loans and leases to core deposits | 76.8085% | 2,131 |
| Total domestic deposits to total assets | 86.2200% | 3,015 |
| Equity capital to assets | 11.0566% | 1,156 |
| Core capital (leverage) ratio | 14.6860% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $218,925,000 | 2,931 |
| Average earning assets | $205,574,500 | 2,913 |
| Average equity | $26,371,250 | 2,548 |
| Average total loans | $134,491,750 | 2,787 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 2,888 |
| Cost of funding earning assets | 0.4217% | 796 |
| Net interest margin | 2.8323% | 3,340 |
| Noninterest income to average assets | 0.3341% | 3,156 |
| Noninterest expense to average assets | 1.3782% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3186% | 1,092 |
| Return on assets (ROA) | 1.3193% | 1,070 |
| Pretax return on assets | 1.6209% | 898 |
| Return on Equity (ROE) | 10.6709% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.4990% | 1,138 |
| Net charge-offs to loans | -0.0015% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9680% | 4,452 |
| Assets per employee ($millions) | 8.1438% | 1,232 |
| Cash dividends to net income (ytd only)* | 10.9815% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 3,888 |
| Loan loss allowance to noncurrent loans | 2,230.9091% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 3,728 |
| Noncurrent loans to loans | 0.0413% | 3,636 |
| Net loans and leases to total assets | 62.2632% | 2,096 |
| Net loans and leases to deposits | 70.8529% | 2,125 |
| Net loans and leases to core deposits | 73.1171% | 2,230 |
| Total domestic deposits to total assets | 87.8766% | 2,622 |
| Equity capital to assets | 11.6922% | 964 |
| Core capital (leverage) ratio | 13.9613% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,868,333 | 2,939 |
| Average earning assets | $207,743,000 | 2,931 |
| Average equity | $27,308,000 | 2,567 |
| Average total loans | $133,860,333 | 2,809 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0950% | 2,993 |
| Cost of funding earning assets | 0.4276% | 737 |
| Net interest margin | 2.6674% | 3,485 |
| Noninterest income to average assets | 0.3176% | 3,197 |
| Noninterest expense to average assets | 1.3947% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1501% | 1,375 |
| Return on assets (ROA) | 1.1516% | 1,375 |
| Pretax return on assets | 1.4372% | 1,156 |
| Return on Equity (ROE) | 9.0822% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.0822% | 1,247 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2790% | 4,346 |
| Assets per employee ($millions) | 8.0453% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 3,987 |
| Loan loss allowance to noncurrent loans | 2,227.2727% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,798 |
| Noncurrent loans to loans | 0.0413% | 3,682 |
| Net loans and leases to total assets | 58.5096% | 2,243 |
| Net loans and leases to deposits | 68.5965% | 2,087 |
| Net loans and leases to core deposits | 70.8342% | 2,222 |
| Total domestic deposits to total assets | 85.2954% | 3,470 |
| Equity capital to assets | 12.0869% | 928 |
| Core capital (leverage) ratio | 13.0300% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7314% | 937 |
| Memoranda: | ||
| Average total assets | $225,432,500 | 2,925 |
| Average earning assets | $212,339,500 | 2,912 |
| Average equity | $28,583,500 | 2,562 |
| Average total loans | $134,259,000 | 2,803 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 2,471 |
| Cost of funding earning assets | 0.5220% | 832 |
| Net interest margin | 3.0467% | 3,059 |
| Noninterest income to average assets | 0.3659% | 3,240 |
| Noninterest expense to average assets | 1.3490% | 4,653 |
| Loan and lease loss provision to assets | 0.0235% | 2,596 |
| Net operating income to assets | 1.4240% | 1,198 |
| Return on assets (ROA) | 1.4352% | 1,245 |
| Pretax return on assets | 1.8764% | 774 |
| Return on Equity (ROE) | 10.4520% | 2,367 |
| Retained earnings to average equity (ytd only) | 7.9796% | 1,553 |
| Net charge-offs to loans | -0.0007% | 3,255 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7031% | 4,646 |
| Assets per employee ($millions) | 7.7792% | 1,449 |
| Cash dividends to net income (ytd only)* | 23.6549% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,054 |
| Loan loss allowance to noncurrent loans | 6,130.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,065 |
| Noncurrent loans to loans | 0.0148% | 3,982 |
| Net loans and leases to total assets | 59.5148% | 2,211 |
| Net loans and leases to deposits | 71.4435% | 1,967 |
| Net loans and leases to core deposits | 73.7989% | 2,101 |
| Total domestic deposits to total assets | 83.3033% | 3,744 |
| Equity capital to assets | 13.2711% | 829 |
| Core capital (leverage) ratio | 13.7744% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,380,200 | 2,966 |
| Average earning assets | $199,983,600 | 2,952 |
| Average equity | $29,161,800 | 2,587 |
| Average total loans | $135,164,800 | 2,780 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 2,299 |
| Cost of funding earning assets | 0.5424% | 864 |
| Net interest margin | 3.1488% | 2,902 |
| Noninterest income to average assets | 0.3488% | 3,364 |
| Noninterest expense to average assets | 1.3539% | 4,712 |
| Loan and lease loss provision to assets | 0.0320% | 2,354 |
| Net operating income to assets | 1.4628% | 1,353 |
| Return on assets (ROA) | 1.4648% | 1,403 |
| Pretax return on assets | 1.9310% | 898 |
| Return on Equity (ROE) | 10.5725% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.9281% | 1,342 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8505% | 4,700 |
| Assets per employee ($millions) | 7.5924% | 1,515 |
| Cash dividends to net income (ytd only)* | 6.0949% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,150 |
| Loan loss allowance to noncurrent loans | 862.6761% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,656 |
| Noncurrent loans to loans | 0.1044% | 3,568 |
| Net loans and leases to total assets | 63.4270% | 1,848 |
| Net loans and leases to deposits | 77.1299% | 1,561 |
| Net loans and leases to core deposits | 80.0457% | 1,728 |
| Total domestic deposits to total assets | 82.2340% | 3,877 |
| Equity capital to assets | 14.1256% | 708 |
| Core capital (leverage) ratio | 13.5059% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,076,250 | 3,024 |
| Average earning assets | $196,896,250 | 3,014 |
| Average equity | $28,967,500 | 2,625 |
| Average total loans | $135,083,750 | 2,824 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 1,894 |
| Cost of funding earning assets | 0.5599% | 906 |
| Net interest margin | 3.3121% | 2,404 |
| Noninterest income to average assets | 0.3473% | 3,370 |
| Noninterest expense to average assets | 1.3304% | 4,770 |
| Loan and lease loss provision to assets | 0.0481% | 2,065 |
| Net operating income to assets | 1.5804% | 1,091 |
| Return on assets (ROA) | 1.5834% | 1,141 |
| Pretax return on assets | 2.0913% | 695 |
| Return on Equity (ROE) | 11.5050% | 2,233 |
| Retained earnings to average equity (ytd only) | 10.5264% | 1,245 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3847% | 4,794 |
| Assets per employee ($millions) | 8.5099% | 1,006 |
| Cash dividends to net income (ytd only)* | 8.5055% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,159 |
| Loan loss allowance to noncurrent loans | 839.0411% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,754 |
| Noncurrent loans to loans | 0.1070% | 3,651 |
| Net loans and leases to total assets | 63.5846% | 1,993 |
| Net loans and leases to deposits | 77.0631% | 1,722 |
| Net loans and leases to core deposits | 79.6912% | 1,910 |
| Total domestic deposits to total assets | 82.5098% | 3,819 |
| Equity capital to assets | 13.7957% | 757 |
| Core capital (leverage) ratio | 13.4391% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,906,333 | 3,036 |
| Average earning assets | $195,765,333 | 3,018 |
| Average equity | $28,613,667 | 2,637 |
| Average total loans | $134,757,667 | 2,834 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 1,637 |
| Cost of funding earning assets | 0.5874% | 926 |
| Net interest margin | 3.3985% | 2,117 |
| Noninterest income to average assets | 0.3329% | 3,434 |
| Noninterest expense to average assets | 1.3140% | 4,811 |
| Loan and lease loss provision to assets | 0.0584% | 1,956 |
| Net operating income to assets | 1.6368% | 1,044 |
| Return on assets (ROA) | 1.6429% | 1,087 |
| Pretax return on assets | 2.1666% | 724 |
| Return on Equity (ROE) | 11.9523% | 2,037 |
| Retained earnings to average equity (ytd only) | 11.9523% | 1,161 |
| Net charge-offs to loans | -0.0030% | 3,224 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2106% | 4,825 |
| Assets per employee ($millions) | 9.0494% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 4,154 |
| Loan loss allowance to noncurrent loans | 83.0579% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 1,345 |
| Noncurrent loans to loans | 1.0841% | 1,228 |
| Net loans and leases to total assets | 63.7715% | 2,076 |
| Net loans and leases to deposits | 76.8187% | 1,820 |
| Net loans and leases to core deposits | 79.9682% | 2,006 |
| Total domestic deposits to total assets | 83.0155% | 3,681 |
| Equity capital to assets | 13.6401% | 757 |
| Core capital (leverage) ratio | 13.6614% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,485,500 | 3,039 |
| Average earning assets | $193,381,000 | 3,027 |
| Average equity | $28,245,500 | 2,655 |
| Average total loans | $133,886,500 | 2,848 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 3,463 |
| Cost of funding earning assets | 0.8460% | 1,031 |
| Net interest margin | 2.8979% | 4,110 |
| Noninterest income to average assets | 0.3610% | 3,304 |
| Noninterest expense to average assets | 1.3747% | 4,845 |
| Loan and lease loss provision to assets | 0.0467% | 3,813 |
| Net operating income to assets | 1.3043% | 1,237 |
| Return on assets (ROA) | 1.3234% | 1,290 |
| Pretax return on assets | 1.7183% | 824 |
| Return on Equity (ROE) | 9.5444% | 2,184 |
| Retained earnings to average equity (ytd only) | 6.6888% | 1,513 |
| Net charge-offs to loans | 0.0008% | 3,404 |
| Credit loss provision to net charge-offs | 9,100.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 3,390.0000% | 25 |
| Efficiency ratio | 44.1239% | 4,784 |
| Assets per employee ($millions) | 8.8189% | 790 |
| Cash dividends to net income (ytd only)* | 29.9185% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 4,253 |
| Loan loss allowance to noncurrent loans | 2,216.9811% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,247 |
| Noncurrent loans to loans | 0.0396% | 4,143 |
| Net loans and leases to total assets | 65.4032% | 2,170 |
| Net loans and leases to deposits | 81.0920% | 1,751 |
| Net loans and leases to core deposits | 85.3948% | 1,917 |
| Total domestic deposits to total assets | 80.6531% | 3,935 |
| Equity capital to assets | 13.8542% | 832 |
| Core capital (leverage) ratio | 13.2126% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,732,600 | 2,987 |
| Average earning assets | $185,097,600 | 2,948 |
| Average equity | $27,000,200 | 2,679 |
| Average total loans | $129,018,600 | 2,878 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 3,231 |
| Cost of funding earning assets | 0.8837% | 1,122 |
| Net interest margin | 3.0217% | 3,926 |
| Noninterest income to average assets | 0.3363% | 3,467 |
| Noninterest expense to average assets | 1.4017% | 4,860 |
| Loan and lease loss provision to assets | 0.0420% | 3,828 |
| Net operating income to assets | 1.3776% | 1,159 |
| Return on assets (ROA) | 1.4011% | 1,196 |
| Pretax return on assets | 1.7940% | 787 |
| Return on Equity (ROE) | 10.1026% | 1,979 |
| Retained earnings to average equity (ytd only) | 9.1547% | 945 |
| Net charge-offs to loans | 0.0010% | 3,194 |
| Credit loss provision to net charge-offs | 6,100.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 2,611.0000% | 33 |
| Efficiency ratio | 43.6920% | 4,800 |
| Assets per employee ($millions) | 8.4500% | 862 |
| Cash dividends to net income (ytd only)* | 9.3827% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 4,094 |
| Loan loss allowance to noncurrent loans | 62.5341% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 1,274 |
| Noncurrent loans to loans | 1.4290% | 1,012 |
| Net loans and leases to total assets | 62.6157% | 2,933 |
| Net loans and leases to deposits | 77.0688% | 2,645 |
| Net loans and leases to core deposits | 80.9444% | 2,759 |
| Total domestic deposits to total assets | 81.2465% | 3,601 |
| Equity capital to assets | 13.8630% | 896 |
| Core capital (leverage) ratio | 13.3684% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,707,250 | 2,983 |
| Average earning assets | $183,157,000 | 2,949 |
| Average equity | $26,725,000 | 2,684 |
| Average total loans | $127,814,500 | 2,894 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 4,045 |
| Cost of funding earning assets | 0.9254% | 1,259 |
| Net interest margin | 2.7930% | 4,465 |
| Noninterest income to average assets | 0.3380% | 3,450 |
| Noninterest expense to average assets | 1.4418% | 4,883 |
| Loan and lease loss provision to assets | 0.0327% | 3,854 |
| Net operating income to assets | 1.1781% | 1,701 |
| Return on assets (ROA) | 1.1915% | 1,794 |
| Pretax return on assets | 1.5295% | 1,389 |
| Return on Equity (ROE) | 8.5904% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.1434% | 1,597 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2673% | 4,611 |
| Assets per employee ($millions) | 8.1119% | 926 |
| Cash dividends to net income (ytd only)* | 16.8440% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 4,185 |
| Loan loss allowance to noncurrent loans | 61.9100% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 1,381 |
| Noncurrent loans to loans | 1.3768% | 1,121 |
| Net loans and leases to total assets | 63.9521% | 2,886 |
| Net loans and leases to deposits | 78.2702% | 2,625 |
| Net loans and leases to core deposits | 82.0743% | 2,771 |
| Total domestic deposits to total assets | 81.7068% | 3,445 |
| Equity capital to assets | 13.3897% | 1,009 |
| Core capital (leverage) ratio | 13.4369% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,343,333 | 2,996 |
| Average earning assets | $179,594,333 | 2,963 |
| Average equity | $26,262,000 | 2,700 |
| Average total loans | $127,709,667 | 2,884 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 4,031 |
| Cost of funding earning assets | 0.9821% | 1,505 |
| Net interest margin | 2.9189% | 4,405 |
| Noninterest income to average assets | 0.3811% | 3,226 |
| Noninterest expense to average assets | 1.5289% | 4,899 |
| Loan and lease loss provision to assets | 0.0241% | 3,497 |
| Net operating income to assets | 1.2678% | 1,336 |
| Return on assets (ROA) | 1.2660% | 1,433 |
| Pretax return on assets | 1.6121% | 1,021 |
| Return on Equity (ROE) | 8.9557% | 2,130 |
| Retained earnings to average equity (ytd only) | 8.4754% | 1,105 |
| Net charge-offs to loans | 0.0032% | 2,476 |
| Credit loss provision to net charge-offs | 1,100.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 748.0000% | 79 |
| Efficiency ratio | 48.2711% | 4,742 |
| Assets per employee ($millions) | 8.1569% | 698 |
| Cash dividends to net income (ytd only)* | 5.3633% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,277 |
| Loan loss allowance to noncurrent loans | 57.4200% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 1,295 |
| Noncurrent loans to loans | 1.4791% | 1,081 |
| Net loans and leases to total assets | 68.1378% | 2,517 |
| Net loans and leases to deposits | 84.0663% | 2,217 |
| Net loans and leases to core deposits | 88.8376% | 2,464 |
| Total domestic deposits to total assets | 81.0525% | 3,653 |
| Equity capital to assets | 14.0085% | 1,056 |
| Core capital (leverage) ratio | 14.1433% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,616,500 | 3,026 |
| Average earning assets | $174,313,500 | 2,974 |
| Average equity | $25,816,000 | 2,720 |
| Average total loans | $126,160,500 | 2,887 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 4,128 |
| Cost of funding earning assets | 1.0636% | 1,457 |
| Net interest margin | 2.9967% | 4,515 |
| Noninterest income to average assets | 0.4261% | 3,129 |
| Noninterest expense to average assets | 1.5586% | 4,972 |
| Loan and lease loss provision to assets | -0.0023% | 4,908 |
| Net operating income to assets | 1.3240% | 1,600 |
| Return on assets (ROA) | 1.3308% | 1,660 |
| Pretax return on assets | 1.7355% | 1,093 |
| Return on Equity (ROE) | 9.4182% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.7916% | 1,488 |
| Net charge-offs to loans | -0.0032% | 4,276 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4731% | 4,859 |
| Assets per employee ($millions) | 7.7228% | 791 |
| Cash dividends to net income (ytd only)* | 27.8888% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 4,052 |
| Loan loss allowance to noncurrent loans | 7,750.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,637 |
| Noncurrent loans to loans | 0.0113% | 4,544 |
| Net loans and leases to total assets | 68.8580% | 2,562 |
| Net loans and leases to deposits | 81.7257% | 2,588 |
| Net loans and leases to core deposits | 87.1172% | 2,696 |
| Total domestic deposits to total assets | 84.2550% | 2,768 |
| Equity capital to assets | 14.2722% | 1,011 |
| Core capital (leverage) ratio | 14.1145% | 900 |
| Tier 1 risk-based capital ratio | 17.4220% | 1,917 |
| Total risk-based capital ratio | 18.1765% | 2,024 |
| Memoranda: | ||
| Average total assets | $172,977,800 | 3,083 |
| Average earning assets | $164,913,200 | 3,041 |
| Average equity | $24,442,000 | 2,753 |
| Average total loans | $123,325,400 | 2,907 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 4,242 |
| Cost of funding earning assets | 1.0521% | 1,530 |
| Net interest margin | 3.0040% | 4,617 |
| Noninterest income to average assets | 0.4051% | 3,284 |
| Noninterest expense to average assets | 1.5598% | 5,035 |
| Loan and lease loss provision to assets | -0.0031% | 5,033 |
| Net operating income to assets | 1.2923% | 1,890 |
| Return on assets (ROA) | 1.2990% | 1,949 |
| Pretax return on assets | 1.7173% | 1,293 |
| Return on Equity (ROE) | 9.2173% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.2812% | 1,291 |
| Net charge-offs to loans | -0.0043% | 4,167 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7662% | 4,863 |
| Assets per employee ($millions) | 7.6366% | 797 |
| Cash dividends to net income (ytd only)* | 10.1553% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 4,069 |
| Loan loss allowance to noncurrent loans | 8,338.4615% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,729 |
| Noncurrent loans to loans | 0.0107% | 4,633 |
| Net loans and leases to total assets | 68.4142% | 2,728 |
| Net loans and leases to deposits | 82.2427% | 2,655 |
| Net loans and leases to core deposits | 87.9742% | 2,735 |
| Total domestic deposits to total assets | 83.1857% | 3,098 |
| Equity capital to assets | 14.4077% | 1,007 |
| Core capital (leverage) ratio | 14.1724% | 941 |
| Tier 1 risk-based capital ratio | 17.7585% | 1,889 |
| Total risk-based capital ratio | 18.5316% | 1,962 |
| Memoranda: | ||
| Average total assets | $171,816,000 | 3,124 |
| Average earning assets | $163,598,250 | 3,084 |
| Average equity | $24,214,750 | 2,786 |
| Average total loans | $123,308,250 | 2,932 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 4,366 |
| Cost of funding earning assets | 1.0183% | 1,612 |
| Net interest margin | 2.9860% | 4,718 |
| Noninterest income to average assets | 0.4023% | 3,266 |
| Noninterest expense to average assets | 1.5785% | 5,074 |
| Loan and lease loss provision to assets | -0.0047% | 5,106 |
| Net operating income to assets | 1.2580% | 1,929 |
| Return on assets (ROA) | 1.2654% | 1,962 |
| Pretax return on assets | 1.6817% | 1,317 |
| Return on Equity (ROE) | 9.0478% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.6223% | 1,550 |
| Net charge-offs to loans | -0.0065% | 4,194 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6272% | 4,862 |
| Assets per employee ($millions) | 7.1749% | 922 |
| Cash dividends to net income (ytd only)* | 15.7553% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 4,188 |
| Loan loss allowance to noncurrent loans | 2,214.2857% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,632 |
| Noncurrent loans to loans | 0.0394% | 4,514 |
| Net loans and leases to total assets | 71.5303% | 2,279 |
| Net loans and leases to deposits | 85.8223% | 2,276 |
| Net loans and leases to core deposits | 91.3726% | 2,475 |
| Total domestic deposits to total assets | 83.3470% | 3,093 |
| Equity capital to assets | 14.2743% | 1,019 |
| Core capital (leverage) ratio | 14.1310% | 928 |
| Tier 1 risk-based capital ratio | 17.0811% | 2,061 |
| Total risk-based capital ratio | 17.8437% | 2,154 |
| Memoranda: | ||
| Average total assets | $170,540,670 | 3,156 |
| Average earning assets | $162,422,330 | 3,108 |
| Average equity | $23,851,000 | 2,810 |
| Average total loans | $123,995,000 | 2,938 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 4,510 |
| Cost of funding earning assets | 0.9649% | 1,720 |
| Net interest margin | 2.9590% | 4,807 |
| Noninterest income to average assets | 0.3936% | 3,227 |
| Noninterest expense to average assets | 1.6169% | 5,088 |
| Loan and lease loss provision to assets | 0.0424% | 2,787 |
| Net operating income to assets | 1.1644% | 2,201 |
| Return on assets (ROA) | 1.1737% | 2,212 |
| Pretax return on assets | 1.5650% | 1,558 |
| Return on Equity (ROE) | 8.4815% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.4815% | 1,496 |
| Net charge-offs to loans | -0.0065% | 4,087 |
| Credit loss provision to net charge-offs | -900.0000% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3302% | 4,802 |
| Assets per employee ($millions) | 7.1733% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 4,185 |
| Loan loss allowance to noncurrent loans | 6,906.2500% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 4,829 |
| Noncurrent loans to loans | 0.0129% | 4,727 |
| Net loans and leases to total assets | 71.1743% | 2,304 |
| Net loans and leases to deposits | 84.9861% | 2,257 |
| Net loans and leases to core deposits | 90.7195% | 2,420 |
| Total domestic deposits to total assets | 83.7482% | 3,132 |
| Equity capital to assets | 13.8796% | 1,084 |
| Core capital (leverage) ratio | 14.0827% | 928 |
| Tier 1 risk-based capital ratio | 16.8656% | 2,148 |
| Total risk-based capital ratio | 17.6457% | 2,246 |
| Memoranda: | ||
| Average total assets | $169,712,500 | 3,194 |
| Average earning assets | $161,674,000 | 3,151 |
| Average equity | $23,486,500 | 2,842 |
| Average total loans | $123,863,500 | 2,979 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 4,386 |
| Cost of funding earning assets | 0.7441% | 1,828 |
| Net interest margin | 3.1084% | 4,639 |
| Noninterest income to average assets | 0.4658% | 3,019 |
| Noninterest expense to average assets | 1.6491% | 5,135 |
| Loan and lease loss provision to assets | -0.0085% | 5,103 |
| Net operating income to assets | 1.3343% | 1,675 |
| Return on assets (ROA) | 1.3353% | 1,654 |
| Pretax return on assets | 1.7652% | 1,012 |
| Return on Equity (ROE) | 9.8100% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.8616% | 1,729 |
| Net charge-offs to loans | -0.0108% | 4,511 |
| Credit loss provision to net charge-offs | 107.6923% | 2,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4372% | 5,023 |
| Assets per employee ($millions) | 6.9694% | 985 |
| Cash dividends to net income (ytd only)* | 30.0546% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 4,280 |
| Loan loss allowance to noncurrent loans | 4,340.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 4,820 |
| Noncurrent loans to loans | 0.0201% | 4,700 |
| Net loans and leases to total assets | 73.5380% | 2,006 |
| Net loans and leases to deposits | 88.3637% | 2,004 |
| Net loans and leases to core deposits | 94.5319% | 2,183 |
| Total domestic deposits to total assets | 83.2219% | 3,254 |
| Equity capital to assets | 13.7972% | 1,032 |
| Core capital (leverage) ratio | 14.0637% | 907 |
| Tier 1 risk-based capital ratio | 16.8099% | 2,131 |
| Total risk-based capital ratio | 17.5896% | 2,233 |
| Memoranda: | ||
| Average total assets | $164,457,400 | 3,224 |
| Average earning assets | $155,480,800 | 3,180 |
| Average equity | $22,385,400 | 2,871 |
| Average total loans | $120,685,800 | 2,983 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 4,442 |
| Cost of funding earning assets | 0.7034% | 1,826 |
| Net interest margin | 3.0934% | 4,719 |
| Noninterest income to average assets | 0.4421% | 3,220 |
| Noninterest expense to average assets | 1.6659% | 5,160 |
| Loan and lease loss provision to assets | -0.0090% | 5,213 |
| Net operating income to assets | 1.2853% | 1,912 |
| Return on assets (ROA) | 1.2873% | 1,906 |
| Pretax return on assets | 1.7058% | 1,267 |
| Return on Equity (ROE) | 9.4900% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.6256% | 1,366 |
| Net charge-offs to loans | -0.0134% | 4,475 |
| Credit loss provision to net charge-offs | 91.6667% | 2,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5760% | 4,963 |
| Assets per employee ($millions) | 6.8937% | 981 |
| Cash dividends to net income (ytd only)* | 9.1084% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,325 |
| Loan loss allowance to noncurrent loans | 2,715.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,865 |
| Noncurrent loans to loans | 0.0326% | 4,747 |
| Net loans and leases to total assets | 73.4770% | 2,080 |
| Net loans and leases to deposits | 88.0780% | 2,144 |
| Net loans and leases to core deposits | 93.7583% | 2,310 |
| Total domestic deposits to total assets | 83.4227% | 3,158 |
| Equity capital to assets | 13.7674% | 1,030 |
| Core capital (leverage) ratio | 14.2096% | 883 |
| Tier 1 risk-based capital ratio | 16.9139% | 2,132 |
| Total risk-based capital ratio | 17.7025% | 2,230 |
| Memoranda: | ||
| Average total assets | $163,755,250 | 3,259 |
| Average earning assets | $154,475,250 | 3,218 |
| Average equity | $22,212,250 | 2,894 |
| Average total loans | $119,835,000 | 3,022 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 4,476 |
| Cost of funding earning assets | 0.6907% | 1,675 |
| Net interest margin | 3.0555% | 4,802 |
| Noninterest income to average assets | 0.4388% | 3,228 |
| Noninterest expense to average assets | 1.6631% | 5,226 |
| Loan and lease loss provision to assets | -0.0135% | 5,312 |
| Net operating income to assets | 1.2435% | 2,009 |
| Return on assets (ROA) | 1.2464% | 1,994 |
| Pretax return on assets | 1.6606% | 1,313 |
| Return on Equity (ROE) | 9.2355% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.9278% | 1,660 |
| Net charge-offs to loans | -0.0185% | 4,534 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2965% | 5,013 |
| Assets per employee ($millions) | 7.7439% | 695 |
| Cash dividends to net income (ytd only)* | 14.1593% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 4,179 |
| Loan loss allowance to noncurrent loans | 4,525.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,962 |
| Noncurrent loans to loans | 0.0207% | 4,842 |
| Net loans and leases to total assets | 70.7211% | 2,473 |
| Net loans and leases to deposits | 82.4956% | 2,713 |
| Net loans and leases to core deposits | 87.5638% | 2,765 |
| Total domestic deposits to total assets | 85.7270% | 2,400 |
| Equity capital to assets | 13.7343% | 1,018 |
| Core capital (leverage) ratio | 13.9216% | 924 |
| Tier 1 risk-based capital ratio | 17.3072% | 1,996 |
| Total risk-based capital ratio | 18.1341% | 2,086 |
| Memoranda: | ||
| Average total assets | $163,190,670 | 3,281 |
| Average earning assets | $153,168,330 | 3,253 |
| Average equity | $22,023,670 | 2,923 |
| Average total loans | $118,895,670 | 3,050 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 4,665 |
| Cost of funding earning assets | 0.6705% | 1,597 |
| Net interest margin | 2.9481% | 4,962 |
| Noninterest income to average assets | 0.4478% | 3,127 |
| Noninterest expense to average assets | 1.6761% | 5,267 |
| Loan and lease loss provision to assets | -0.0269% | 5,436 |
| Net operating income to assets | 1.1760% | 2,108 |
| Return on assets (ROA) | 1.1818% | 2,095 |
| Pretax return on assets | 1.5709% | 1,472 |
| Return on Equity (ROE) | 8.8348% | 2,989 |
| Retained earnings to average equity (ytd only) | 8.8348% | 1,525 |
| Net charge-offs to loans | -0.0366% | 4,831 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1706% | 4,953 |
| Assets per employee ($millions) | 6.6091% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,436 |
| Loan loss allowance to noncurrent loans | 307.3654% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,025 |
| Noncurrent loans to loans | 0.2938% | 3,715 |
| Net loans and leases to total assets | 72.0657% | 2,158 |
| Net loans and leases to deposits | 83.6914% | 2,423 |
| Net loans and leases to core deposits | 87.4886% | 2,682 |
| Total domestic deposits to total assets | 86.1088% | 2,502 |
| Equity capital to assets | 13.3071% | 1,113 |
| Core capital (leverage) ratio | 13.9102% | 895 |
| Tier 1 risk-based capital ratio | 16.4099% | 2,317 |
| Total risk-based capital ratio | 17.2070% | 2,435 |
| Memoranda: | ||
| Average total assets | $163,475,000 | 3,321 |
| Average earning assets | $153,319,500 | 3,283 |
| Average equity | $21,868,000 | 2,966 |
| Average total loans | $120,296,500 | 3,064 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,146 |
| Cost of funding earning assets | 0.6521% | 1,282 |
| Net interest margin | 3.1179% | 4,652 |
| Noninterest income to average assets | 0.5064% | 2,961 |
| Noninterest expense to average assets | 1.7169% | 5,318 |
| Loan and lease loss provision to assets | 0.3054% | 562 |
| Net operating income to assets | 0.9101% | 2,657 |
| Return on assets (ROA) | 0.9157% | 2,648 |
| Pretax return on assets | 1.4399% | 1,853 |
| Return on Equity (ROE) | 6.8466% | 3,356 |
| Retained earnings to average equity (ytd only) | 3.9388% | 2,841 |
| Net charge-offs to loans | 0.3429% | 743 |
| Credit loss provision to net charge-offs | 117.3397% | 2,229 |
| Earnings coverage of net charge-offs (x) | 6.6722% | 3,150 |
| Efficiency ratio | 49.7136% | 5,234 |
| Assets per employee ($millions) | 6.4689% | 1,224 |
| Cash dividends to net income (ytd only)* | 42.4713% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,470 |
| Loan loss allowance to noncurrent loans | 9,041.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,142 |
| Noncurrent loans to loans | 0.0100% | 4,997 |
| Net loans and leases to total assets | 73.7996% | 1,951 |
| Net loans and leases to deposits | 87.3522% | 2,093 |
| Net loans and leases to core deposits | 92.2313% | 2,358 |
| Total domestic deposits to total assets | 84.4852% | 3,040 |
| Equity capital to assets | 13.4483% | 1,081 |
| Core capital (leverage) ratio | 13.5285% | 954 |
| Tier 1 risk-based capital ratio | 16.3511% | 2,315 |
| Total risk-based capital ratio | 17.1628% | 2,405 |
| Memoranda: | ||
| Average total assets | $161,743,000 | 3,330 |
| Average earning assets | $152,890,200 | 3,285 |
| Average equity | $21,631,200 | 2,985 |
| Average total loans | $122,782,400 | 3,017 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,275 |
| Cost of funding earning assets | 0.6412% | 1,297 |
| Net interest margin | 3.0764% | 4,764 |
| Noninterest income to average assets | 0.4789% | 3,155 |
| Noninterest expense to average assets | 1.7360% | 5,337 |
| Loan and lease loss provision to assets | 0.1154% | 1,873 |
| Net operating income to assets | 1.0066% | 2,522 |
| Return on assets (ROA) | 1.0098% | 2,555 |
| Pretax return on assets | 1.5472% | 1,590 |
| Return on Equity (ROE) | 7.5609% | 3,365 |
| Retained earnings to average equity (ytd only) | 6.6721% | 1,862 |
| Net charge-offs to loans | 0.2107% | 1,022 |
| Credit loss provision to net charge-offs | 71.7949% | 2,681 |
| Earnings coverage of net charge-offs (x) | 10.3130% | 2,607 |
| Efficiency ratio | 51.1538% | 5,170 |
| Assets per employee ($millions) | 6.4363% | 1,221 |
| Cash dividends to net income (ytd only)* | 11.7554% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,929 |
| Loan loss allowance to noncurrent loans | 56.3604% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 1,593 |
| Noncurrent loans to loans | 1.3930% | 1,344 |
| Net loans and leases to total assets | 75.1591% | 1,732 |
| Net loans and leases to deposits | 89.2728% | 1,894 |
| Net loans and leases to core deposits | 93.9835% | 2,277 |
| Total domestic deposits to total assets | 84.1903% | 3,046 |
| Equity capital to assets | 13.7818% | 1,050 |
| Core capital (leverage) ratio | 13.7250% | 964 |
| Tier 1 risk-based capital ratio | 16.5704% | 2,300 |
| Total risk-based capital ratio | 17.2884% | 2,424 |
| Memoranda: | ||
| Average total assets | $161,748,000 | 3,354 |
| Average earning assets | $153,246,500 | 3,310 |
| Average equity | $21,601,750 | 3,012 |
| Average total loans | $123,369,000 | 3,038 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 4,313 |
| Cost of funding earning assets | 0.6355% | 1,226 |
| Net interest margin | 3.0362% | 4,832 |
| Noninterest income to average assets | 0.4802% | 3,148 |
| Noninterest expense to average assets | 1.7182% | 5,397 |
| Loan and lease loss provision to assets | 0.0987% | 2,042 |
| Net operating income to assets | 0.9974% | 2,440 |
| Return on assets (ROA) | 0.9974% | 2,487 |
| Pretax return on assets | 1.5528% | 1,487 |
| Return on Equity (ROE) | 7.5478% | 3,269 |
| Retained earnings to average equity (ytd only) | 6.2026% | 2,015 |
| Net charge-offs to loans | -0.0032% | 4,244 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9890% | 5,246 |
| Assets per employee ($millions) | 5.5647% | 1,814 |
| Cash dividends to net income (ytd only)* | 17.8218% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 4,705 |
| Loan loss allowance to noncurrent loans | 49.3237% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.3744% | 1,153 |
| Noncurrent loans to loans | 1.7892% | 1,011 |
| Net loans and leases to total assets | 76.1390% | 1,526 |
| Net loans and leases to deposits | 90.1917% | 1,703 |
| Net loans and leases to core deposits | 94.0351% | 2,151 |
| Total domestic deposits to total assets | 84.4190% | 3,045 |
| Equity capital to assets | 13.5125% | 1,136 |
| Core capital (leverage) ratio | 13.2084% | 1,100 |
| Tier 1 risk-based capital ratio | 16.0926% | 2,461 |
| Total risk-based capital ratio | 16.9051% | 2,577 |
| Memoranda: | ||
| Average total assets | $162,028,000 | 3,373 |
| Average earning assets | $154,204,670 | 3,317 |
| Average equity | $21,410,330 | 3,034 |
| Average total loans | $123,860,670 | 3,041 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,431 |
| Cost of funding earning assets | 0.6209% | 1,237 |
| Net interest margin | 2.9750% | 4,943 |
| Noninterest income to average assets | 0.4952% | 3,013 |
| Noninterest expense to average assets | 1.7345% | 5,444 |
| Loan and lease loss provision to assets | 0.0493% | 2,823 |
| Net operating income to assets | 0.9559% | 2,499 |
| Return on assets (ROA) | 0.9559% | 2,559 |
| Pretax return on assets | 1.5448% | 1,393 |
| Return on Equity (ROE) | 7.3164% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.3164% | 1,741 |
| Net charge-offs to loans | -0.0032% | 4,073 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1095% | 5,258 |
| Assets per employee ($millions) | 6.4006% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 4,937 |
| Loan loss allowance to noncurrent loans | 178.4111% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 3,811 |
| Noncurrent loans to loans | 0.4741% | 3,392 |
| Net loans and leases to total assets | 72.7718% | 1,949 |
| Net loans and leases to deposits | 85.5822% | 2,083 |
| Net loans and leases to core deposits | 88.7462% | 2,474 |
| Total domestic deposits to total assets | 85.0315% | 3,074 |
| Equity capital to assets | 12.8852% | 1,311 |
| Core capital (leverage) ratio | 13.2809% | 1,045 |
| Tier 1 risk-based capital ratio | 16.3862% | 2,400 |
| Total risk-based capital ratio | 17.1775% | 2,525 |
| Memoranda: | ||
| Average total assets | $162,354,000 | 3,401 |
| Average earning assets | $154,624,000 | 3,337 |
| Average equity | $21,212,500 | 3,064 |
| Average total loans | $123,809,000 | 3,059 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 3,968 |
| Cost of funding earning assets | 0.6292% | 1,158 |
| Net interest margin | 3.1511% | 4,583 |
| Noninterest income to average assets | 0.4747% | 3,381 |
| Noninterest expense to average assets | 1.7777% | 5,495 |
| Loan and lease loss provision to assets | 0.0308% | 3,739 |
| Net operating income to assets | 1.0602% | 2,089 |
| Return on assets (ROA) | 1.0606% | 2,191 |
| Pretax return on assets | 1.6671% | 1,089 |
| Return on Equity (ROE) | 8.1288% | 2,875 |
| Retained earnings to average equity (ytd only) | 5.0679% | 2,301 |
| Net charge-offs to loans | -0.0024% | 4,721 |
| Credit loss provision to net charge-offs | -1,633.3333% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1565% | 5,427 |
| Assets per employee ($millions) | 6.0882% | 1,414 |
| Cash dividends to net income (ytd only)* | 37.6554% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 5,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.6325% | 1,100 |
| Net loans and leases to deposits | 93.7457% | 1,222 |
| Net loans and leases to core deposits | 96.3062% | 1,901 |
| Total domestic deposits to total assets | 83.8785% | 3,467 |
| Equity capital to assets | 13.2552% | 1,150 |
| Core capital (leverage) ratio | 13.1624% | 1,077 |
| Tier 1 risk-based capital ratio | 15.9219% | 2,581 |
| Total risk-based capital ratio | 16.6890% | 2,705 |
| Memoranda: | ||
| Average total assets | $159,254,800 | 3,405 |
| Average earning assets | $151,630,400 | 3,351 |
| Average equity | $20,778,000 | 3,092 |
| Average total loans | $126,969,600 | 2,962 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 3,971 |
| Cost of funding earning assets | 0.6265% | 1,159 |
| Net interest margin | 3.1570% | 4,616 |
| Noninterest income to average assets | 0.4489% | 3,568 |
| Noninterest expense to average assets | 1.7747% | 5,541 |
| Loan and lease loss provision to assets | 0.0410% | 3,419 |
| Net operating income to assets | 1.0444% | 2,227 |
| Return on assets (ROA) | 1.0449% | 2,348 |
| Pretax return on assets | 1.6502% | 1,248 |
| Return on Equity (ROE) | 8.0409% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.0373% | 1,615 |
| Net charge-offs to loans | -0.0021% | 4,499 |
| Credit loss provision to net charge-offs | -2,450.0000% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2183% | 5,430 |
| Assets per employee ($millions) | 6.3754% | 1,192 |
| Cash dividends to net income (ytd only)* | 12.4797% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 5,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.0012% | 1,195 |
| Net loans and leases to deposits | 95.8144% | 1,068 |
| Net loans and leases to core deposits | 98.4900% | 1,770 |
| Total domestic deposits to total assets | 81.4087% | 4,132 |
| Equity capital to assets | 13.3688% | 1,310 |
| Core capital (leverage) ratio | 13.3752% | 1,039 |
| Tier 1 risk-based capital ratio | 15.7650% | 2,715 |
| Total risk-based capital ratio | 16.5223% | 2,859 |
| Memoranda: | ||
| Average total assets | $159,495,500 | 3,417 |
| Average earning assets | $152,379,500 | 3,362 |
| Average equity | $20,727,000 | 3,120 |
| Average total loans | $127,341,750 | 2,962 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,179 |
| Cost of funding earning assets | 0.6241% | 1,167 |
| Net interest margin | 3.1089% | 4,807 |
| Noninterest income to average assets | 0.4463% | 3,548 |
| Noninterest expense to average assets | 1.7689% | 5,626 |
| Loan and lease loss provision to assets | 0.0614% | 2,903 |
| Net operating income to assets | 1.0067% | 2,359 |
| Return on assets (ROA) | 1.0067% | 2,495 |
| Pretax return on assets | 1.6072% | 1,358 |
| Return on Equity (ROE) | 7.8214% | 3,073 |
| Retained earnings to average equity (ytd only) | 6.3019% | 1,961 |
| Net charge-offs to loans | -0.0016% | 4,347 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4588% | 5,477 |
| Assets per employee ($millions) | 6.3606% | 1,163 |
| Cash dividends to net income (ytd only)* | 19.4271% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 5,293 |
| Loan loss allowance to noncurrent loans | 327.9221% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,709 |
| Noncurrent loans to loans | 0.2419% | 4,485 |
| Net loans and leases to total assets | 79.4208% | 999 |
| Net loans and leases to deposits | 96.3722% | 1,042 |
| Net loans and leases to core deposits | 98.9392% | 1,730 |
| Total domestic deposits to total assets | 82.4105% | 3,875 |
| Equity capital to assets | 13.1296% | 1,428 |
| Core capital (leverage) ratio | 12.9918% | 1,149 |
| Tier 1 risk-based capital ratio | 15.2158% | 2,978 |
| Total risk-based capital ratio | 15.9619% | 3,149 |
| Memoranda: | ||
| Average total assets | $159,532,000 | 3,438 |
| Average earning assets | $153,493,000 | 3,361 |
| Average equity | $20,533,330 | 3,140 |
| Average total loans | $128,011,000 | 2,968 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,002 |
| Cost of funding earning assets | 0.5920% | 1,388 |
| Net interest margin | 3.1910% | 4,613 |
| Noninterest income to average assets | 0.4105% | 3,745 |
| Noninterest expense to average assets | 1.8449% | 5,599 |
| Loan and lease loss provision to assets | 0.0726% | 2,507 |
| Net operating income to assets | 0.9537% | 2,497 |
| Return on assets (ROA) | 0.9537% | 2,614 |
| Pretax return on assets | 1.5696% | 1,379 |
| Return on Equity (ROE) | 7.4849% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.4849% | 1,670 |
| Net charge-offs to loans | -0.0031% | 4,181 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9074% | 5,459 |
| Assets per employee ($millions) | 6.3896% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 5,457 |
| Loan loss allowance to noncurrent loans | 396.0000% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 4,949 |
| Noncurrent loans to loans | 0.1932% | 4,723 |
| Net loans and leases to total assets | 80.3686% | 763 |
| Net loans and leases to deposits | 98.2783% | 739 |
| Net loans and leases to core deposits | 100.5837% | 1,439 |
| Total domestic deposits to total assets | 81.7765% | 4,290 |
| Equity capital to assets | 12.8873% | 1,468 |
| Core capital (leverage) ratio | 12.7099% | 1,264 |
| Tier 1 risk-based capital ratio | 15.0305% | 3,142 |
| Total risk-based capital ratio | 15.7623% | 3,322 |
| Memoranda: | ||
| Average total assets | $159,790,500 | 3,453 |
| Average earning assets | $154,057,500 | 3,365 |
| Average equity | $20,361,000 | 3,160 |
| Average total loans | $128,366,000 | 2,958 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 4,306 |
| Cost of funding earning assets | 0.6490% | 1,080 |
| Net interest margin | 3.0722% | 4,973 |
| Noninterest income to average assets | 0.5111% | 3,249 |
| Noninterest expense to average assets | 1.7762% | 5,770 |
| Loan and lease loss provision to assets | 0.0604% | 3,095 |
| Net operating income to assets | 1.0167% | 2,276 |
| Return on assets (ROA) | 1.0183% | 2,347 |
| Pretax return on assets | 1.6312% | 1,164 |
| Return on Equity (ROE) | 7.8174% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.3721% | 2,869 |
| Net charge-offs to loans | 0.0076% | 4,177 |
| Credit loss provision to net charge-offs | 1,022.2222% | 327 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 250 |
| Efficiency ratio | 51.2592% | 5,683 |
| Assets per employee ($millions) | 5.9201% | 1,440 |
| Cash dividends to net income (ytd only)* | 44.0722% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 5,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.0793% | 974 |
| Net loans and leases to deposits | 98.6606% | 767 |
| Net loans and leases to core deposits | 101.6763% | 1,386 |
| Total domestic deposits to total assets | 80.1529% | 4,707 |
| Equity capital to assets | 12.5974% | 1,569 |
| Core capital (leverage) ratio | 13.0520% | 1,136 |
| Tier 1 risk-based capital ratio | 15.0023% | 3,177 |
| Total risk-based capital ratio | 15.7242% | 3,369 |
| Memoranda: | ||
| Average total assets | $152,405,200 | 3,533 |
| Average earning assets | $146,537,600 | 3,449 |
| Average equity | $19,853,200 | 3,187 |
| Average total loans | $118,961,800 | 3,065 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,307 |
| Cost of funding earning assets | 0.6519% | 1,082 |
| Net interest margin | 3.0844% | 4,998 |
| Noninterest income to average assets | 0.5030% | 3,343 |
| Noninterest expense to average assets | 1.7819% | 5,799 |
| Loan and lease loss provision to assets | 0.0726% | 2,720 |
| Net operating income to assets | 1.0139% | 2,399 |
| Return on assets (ROA) | 1.0167% | 2,487 |
| Pretax return on assets | 1.6198% | 1,332 |
| Return on Equity (ROE) | 7.7373% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.5645% | 1,910 |
| Net charge-offs to loans | 0.0126% | 3,734 |
| Credit loss provision to net charge-offs | 745.4545% | 463 |
| Earnings coverage of net charge-offs (x) | 173.2290% | 413 |
| Efficiency ratio | 51.3527% | 5,691 |
| Assets per employee ($millions) | 5.3393% | 1,921 |
| Cash dividends to net income (ytd only)* | 15.1565% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.6154% | 1,005 |
| Net loans and leases to deposits | 92.0569% | 1,400 |
| Net loans and leases to core deposits | 94.7295% | 2,007 |
| Total domestic deposits to total assets | 85.3987% | 2,825 |
| Equity capital to assets | 13.5552% | 1,205 |
| Core capital (leverage) ratio | 13.1458% | 1,154 |
| Tier 1 risk-based capital ratio | 15.9993% | 2,794 |
| Total risk-based capital ratio | 16.7555% | 2,972 |
| Memoranda: | ||
| Average total assets | $150,546,000 | 3,591 |
| Average earning assets | $144,809,750 | 3,508 |
| Average equity | $19,782,500 | 3,223 |
| Average total loans | $116,861,750 | 3,121 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6780% | 4,473 |
| Cost of funding earning assets | 0.6416% | 1,153 |
| Net interest margin | 3.0364% | 5,132 |
| Noninterest income to average assets | 0.5063% | 3,331 |
| Noninterest expense to average assets | 1.7787% | 5,880 |
| Loan and lease loss provision to assets | 0.0822% | 2,469 |
| Net operating income to assets | 0.9894% | 2,441 |
| Return on assets (ROA) | 0.9927% | 2,539 |
| Pretax return on assets | 1.5614% | 1,448 |
| Return on Equity (ROE) | 7.6344% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.1667% | 2,137 |
| Net charge-offs to loans | 0.0189% | 3,314 |
| Credit loss provision to net charge-offs | 563.6364% | 577 |
| Earnings coverage of net charge-offs (x) | 112.3636% | 558 |
| Efficiency ratio | 52.0559% | 5,709 |
| Assets per employee ($millions) | 5.5501% | 1,694 |
| Cash dividends to net income (ytd only)* | 19.2256% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 5,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 77.0421% | 1,211 |
| Net loans and leases to deposits | 91.1670% | 1,462 |
| Net loans and leases to core deposits | 93.5366% | 2,003 |
| Total domestic deposits to total assets | 84.5066% | 3,343 |
| Equity capital to assets | 12.7559% | 1,513 |
| Core capital (leverage) ratio | 13.1765% | 1,103 |
| Tier 1 risk-based capital ratio | 15.8196% | 2,944 |
| Total risk-based capital ratio | 16.5653% | 3,131 |
| Memoranda: | ||
| Average total assets | $150,894,670 | 3,619 |
| Average earning assets | $144,642,670 | 3,531 |
| Average equity | $19,621,670 | 3,257 |
| Average total loans | $116,323,000 | 3,148 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 4,365 |
| Cost of funding earning assets | 0.6283% | 1,239 |
| Net interest margin | 3.0716% | 5,026 |
| Noninterest income to average assets | 0.5490% | 2,950 |
| Noninterest expense to average assets | 1.7626% | 5,946 |
| Loan and lease loss provision to assets | 0.0727% | 2,486 |
| Net operating income to assets | 1.0971% | 1,883 |
| Return on assets (ROA) | 1.1006% | 1,976 |
| Pretax return on assets | 1.6792% | 1,092 |
| Return on Equity (ROE) | 8.3807% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.3807% | 1,422 |
| Net charge-offs to loans | 0.0070% | 3,094 |
| Credit loss provision to net charge-offs | 1,350.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 324.5000% | 171 |
| Efficiency ratio | 50.2301% | 5,902 |
| Assets per employee ($millions) | 5.5630% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 5,747 |
| Loan loss allowance to noncurrent loans | 90,200.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,980 |
| Noncurrent loans to loans | 0.0009% | 5,823 |
| Net loans and leases to total assets | 77.1187% | 1,042 |
| Net loans and leases to deposits | 89.7875% | 1,414 |
| Net loans and leases to core deposits | 92.1606% | 1,931 |
| Total domestic deposits to total assets | 85.8902% | 3,000 |
| Equity capital to assets | 13.1657% | 1,319 |
| Core capital (leverage) ratio | 13.0428% | 1,142 |
| Tier 1 risk-based capital ratio | 16.1307% | 2,861 |
| Total risk-based capital ratio | 16.8771% | 3,028 |
| Memoranda: | ||
| Average total assets | $148,641,000 | 3,675 |
| Average earning assets | $143,247,000 | 3,573 |
| Average equity | $19,521,000 | 3,288 |
| Average total loans | $114,158,000 | 3,197 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 5,035 |
| Cost of funding earning assets | 0.6603% | 1,337 |
| Net interest margin | 2.9579% | 5,534 |
| Noninterest income to average assets | 0.5010% | 3,498 |
| Noninterest expense to average assets | 1.8270% | 6,036 |
| Loan and lease loss provision to assets | 0.0281% | 4,043 |
| Net operating income to assets | 0.9471% | 2,644 |
| Return on assets (ROA) | 0.9519% | 2,701 |
| Pretax return on assets | 1.4879% | 1,590 |
| Return on Equity (ROE) | 7.3392% | 3,446 |
| Retained earnings to average equity (ytd only) | 3.9898% | 3,374 |
| Net charge-offs to loans | 0.0010% | 4,959 |
| Credit loss provision to net charge-offs | 4,100.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 2,198.0000% | 11 |
| Efficiency ratio | 54.7737% | 5,783 |
| Assets per employee ($millions) | 5.2529% | 2,013 |
| Cash dividends to net income (ytd only)* | 45.6381% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 5,813 |
| Loan loss allowance to noncurrent loans | 1,218.0556% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,834 |
| Noncurrent loans to loans | 0.0645% | 5,620 |
| Net loans and leases to total assets | 75.2674% | 1,371 |
| Net loans and leases to deposits | 90.1388% | 1,507 |
| Net loans and leases to core deposits | 92.2449% | 2,061 |
| Total domestic deposits to total assets | 83.5016% | 3,912 |
| Equity capital to assets | 13.0996% | 1,314 |
| Core capital (leverage) ratio | 13.1878% | 1,066 |
| Tier 1 risk-based capital ratio | 16.4060% | 2,759 |
| Total risk-based capital ratio | 17.1600% | 2,956 |
| Memoranda: | ||
| Average total assets | $145,706,600 | 3,696 |
| Average earning assets | $139,624,600 | 3,613 |
| Average equity | $18,898,400 | 3,299 |
| Average total loans | $103,630,200 | 3,349 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 5,201 |
| Cost of funding earning assets | 0.6674% | 1,338 |
| Net interest margin | 2.9099% | 5,681 |
| Noninterest income to average assets | 0.4861% | 3,642 |
| Noninterest expense to average assets | 1.7978% | 6,093 |
| Loan and lease loss provision to assets | 0.0009% | 4,392 |
| Net operating income to assets | 0.9649% | 2,624 |
| Return on assets (ROA) | 0.9649% | 2,693 |
| Pretax return on assets | 1.4749% | 1,726 |
| Return on Equity (ROE) | 7.4583% | 3,463 |
| Retained earnings to average equity (ytd only) | 5.9482% | 2,448 |
| Net charge-offs to loans | 0.0013% | 4,667 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 1,612.9925% | 33 |
| Efficiency ratio | 54.9173% | 5,747 |
| Assets per employee ($millions) | 5.0987% | 2,135 |
| Cash dividends to net income (ytd only)* | 20.2470% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 5,820 |
| Loan loss allowance to noncurrent loans | 1,468.4211% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 6,009 |
| Noncurrent loans to loans | 0.0560% | 5,790 |
| Net loans and leases to total assets | 70.7648% | 2,063 |
| Net loans and leases to deposits | 82.3230% | 2,383 |
| Net loans and leases to core deposits | 84.2445% | 2,855 |
| Total domestic deposits to total assets | 85.9599% | 2,861 |
| Equity capital to assets | 13.5427% | 1,161 |
| Core capital (leverage) ratio | 13.2954% | 1,066 |
| Tier 1 risk-based capital ratio | 17.6704% | 2,328 |
| Total risk-based capital ratio | 18.4420% | 2,493 |
| Memoranda: | ||
| Average total assets | $145,363,000 | 3,735 |
| Average earning assets | $139,243,000 | 3,643 |
| Average equity | $18,806,250 | 3,329 |
| Average total loans | $101,642,500 | 3,417 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 5,335 |
| Cost of funding earning assets | 0.6694% | 1,383 |
| Net interest margin | 2.8641% | 5,790 |
| Noninterest income to average assets | 0.4883% | 3,567 |
| Noninterest expense to average assets | 1.7767% | 6,179 |
| Loan and lease loss provision to assets | 0.0014% | 4,184 |
| Net operating income to assets | 0.9478% | 2,557 |
| Return on assets (ROA) | 0.9478% | 2,657 |
| Pretax return on assets | 1.4429% | 1,740 |
| Return on Equity (ROE) | 7.4395% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.1529% | 2,858 |
| Net charge-offs to loans | 0.0020% | 4,326 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 1,056.0000% | 61 |
| Efficiency ratio | 55.1592% | 5,821 |
| Assets per employee ($millions) | 4.8653% | 2,384 |
| Cash dividends to net income (ytd only)* | 30.7359% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 5,907 |
| Loan loss allowance to noncurrent loans | 1,101.3158% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 6,035 |
| Noncurrent loans to loans | 0.0753% | 5,798 |
| Net loans and leases to total assets | 68.5386% | 2,321 |
| Net loans and leases to deposits | 79.2941% | 2,613 |
| Net loans and leases to core deposits | 81.0814% | 3,091 |
| Total domestic deposits to total assets | 86.4360% | 2,797 |
| Equity capital to assets | 12.9755% | 1,382 |
| Core capital (leverage) ratio | 12.8298% | 1,224 |
| Tier 1 risk-based capital ratio | 17.2742% | 2,509 |
| Total risk-based capital ratio | 18.0428% | 2,677 |
| Memoranda: | ||
| Average total assets | $146,229,670 | 3,740 |
| Average earning assets | $139,521,000 | 3,660 |
| Average equity | $18,630,330 | 3,338 |
| Average total loans | $101,569,000 | 3,424 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 5,343 |
| Cost of funding earning assets | 0.6674% | 1,455 |
| Net interest margin | 2.8654% | 5,818 |
| Noninterest income to average assets | 0.4646% | 3,674 |
| Noninterest expense to average assets | 1.7709% | 6,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9538% | 2,389 |
| Return on assets (ROA) | 0.9538% | 2,461 |
| Pretax return on assets | 1.4156% | 1,694 |
| Return on Equity (ROE) | 7.5557% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.5557% | 1,789 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5746% | 5,874 |
| Assets per employee ($millions) | 5.6963% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 6,038 |
| Loan loss allowance to noncurrent loans | 767.8899% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 6,031 |
| Noncurrent loans to loans | 0.1084% | 5,801 |
| Net loans and leases to total assets | 67.3212% | 2,334 |
| Net loans and leases to deposits | 77.6200% | 2,615 |
| Net loans and leases to core deposits | 79.6539% | 3,016 |
| Total domestic deposits to total assets | 86.7317% | 2,975 |
| Equity capital to assets | 12.6275% | 1,507 |
| Core capital (leverage) ratio | 12.9734% | 1,176 |
| Tier 1 risk-based capital ratio | 17.1049% | 2,639 |
| Total risk-based capital ratio | 17.8714% | 2,813 |
| Memoranda: | ||
| Average total assets | $146,364,500 | 3,764 |
| Average earning assets | $139,039,500 | 3,685 |
| Average equity | $18,476,000 | 3,356 |
| Average total loans | $101,915,500 | 3,428 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 5,220 |
| Cost of funding earning assets | 0.8146% | 1,127 |
| Net interest margin | 2.8554% | 5,888 |
| Noninterest income to average assets | 0.5214% | 3,620 |
| Noninterest expense to average assets | 1.8201% | 6,286 |
| Loan and lease loss provision to assets | -0.0449% | 6,369 |
| Net operating income to assets | 0.9875% | 2,382 |
| Return on assets (ROA) | 0.9875% | 2,452 |
| Pretax return on assets | 1.4806% | 1,506 |
| Return on Equity (ROE) | 7.8796% | 3,095 |
| Retained earnings to average equity (ytd only) | 4.7344% | 2,787 |
| Net charge-offs to loans | 0.0048% | 5,381 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,263 |
| Earnings coverage of net charge-offs (x) | 415.2000% | 106 |
| Efficiency ratio | 55.9048% | 5,959 |
| Assets per employee ($millions) | 5.5625% | 1,598 |
| Cash dividends to net income (ytd only)* | 39.9160% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 6,147 |
| Loan loss allowance to noncurrent loans | 168.4105% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 5,243 |
| Noncurrent loans to loans | 0.4812% | 4,792 |
| Net loans and leases to total assets | 70.8396% | 1,870 |
| Net loans and leases to deposits | 81.5290% | 2,247 |
| Net loans and leases to core deposits | 83.7025% | 2,707 |
| Total domestic deposits to total assets | 86.8888% | 2,787 |
| Equity capital to assets | 12.6189% | 1,456 |
| Core capital (leverage) ratio | 12.8653% | 1,191 |
| Tier 1 risk-based capital ratio | 16.5265% | 2,844 |
| Total risk-based capital ratio | 17.2811% | 3,037 |
| Memoranda: | ||
| Average total assets | $144,606,000 | 3,794 |
| Average earning assets | $138,475,400 | 3,690 |
| Average equity | $18,122,800 | 3,398 |
| Average total loans | $103,403,200 | 3,373 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 5,306 |
| Cost of funding earning assets | 0.8434% | 1,081 |
| Net interest margin | 2.8045% | 6,010 |
| Noninterest income to average assets | 0.4998% | 3,809 |
| Noninterest expense to average assets | 1.7952% | 6,343 |
| Loan and lease loss provision to assets | -0.0599% | 6,564 |
| Net operating income to assets | 0.9718% | 2,499 |
| Return on assets (ROA) | 0.9718% | 2,598 |
| Pretax return on assets | 1.4596% | 1,724 |
| Return on Equity (ROE) | 7.7680% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.7066% | 2,031 |
| Net charge-offs to loans | 0.0064% | 5,042 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | 303.4408% | 196 |
| Efficiency ratio | 56.1905% | 5,880 |
| Assets per employee ($millions) | 5.4354% | 1,693 |
| Cash dividends to net income (ytd only)* | 13.6626% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 6,241 |
| Loan loss allowance to noncurrent loans | 167.0659% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 5,346 |
| Noncurrent loans to loans | 0.4898% | 4,973 |
| Net loans and leases to total assets | 71.7883% | 1,632 |
| Net loans and leases to deposits | 82.9968% | 1,998 |
| Net loans and leases to core deposits | 85.2688% | 2,496 |
| Total domestic deposits to total assets | 86.4953% | 2,968 |
| Equity capital to assets | 12.9570% | 1,349 |
| Core capital (leverage) ratio | 12.8525% | 1,261 |
| Tier 1 risk-based capital ratio | 16.7843% | 2,819 |
| Total risk-based capital ratio | 17.5486% | 3,000 |
| Memoranda: | ||
| Average total assets | $144,601,500 | 3,833 |
| Average earning assets | $138,963,500 | 3,713 |
| Average equity | $18,091,000 | 3,443 |
| Average total loans | $103,432,000 | 3,398 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 5,330 |
| Cost of funding earning assets | 0.8758% | 1,006 |
| Net interest margin | 2.7618% | 6,078 |
| Noninterest income to average assets | 0.4859% | 3,927 |
| Noninterest expense to average assets | 1.7736% | 6,418 |
| Loan and lease loss provision to assets | -0.0961% | 6,708 |
| Net operating income to assets | 0.9939% | 2,352 |
| Return on assets (ROA) | 0.9939% | 2,494 |
| Pretax return on assets | 1.4620% | 1,735 |
| Return on Equity (ROE) | 8.0366% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.4381% | 2,180 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4932% | 5,901 |
| Assets per employee ($millions) | 5.5906% | 1,503 |
| Cash dividends to net income (ytd only)* | 19.8895% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 6,332 |
| Loan loss allowance to noncurrent loans | 168.0723% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 5,453 |
| Noncurrent loans to loans | 0.4843% | 5,055 |
| Net loans and leases to total assets | 70.1691% | 1,856 |
| Net loans and leases to deposits | 80.5431% | 2,247 |
| Net loans and leases to core deposits | 82.6526% | 2,735 |
| Total domestic deposits to total assets | 87.1199% | 2,749 |
| Equity capital to assets | 12.4075% | 1,637 |
| Core capital (leverage) ratio | 12.2370% | 1,486 |
| Tier 1 risk-based capital ratio | 16.2958% | 3,040 |
| Total risk-based capital ratio | 17.0514% | 3,268 |
| Memoranda: | ||
| Average total assets | $145,695,000 | 3,846 |
| Average earning assets | $139,979,000 | 3,724 |
| Average equity | $18,017,670 | 3,482 |
| Average total loans | $103,813,000 | 3,407 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 4,990 |
| Cost of funding earning assets | 0.9053% | 964 |
| Net interest margin | 2.8448% | 5,930 |
| Noninterest income to average assets | 0.4909% | 3,834 |
| Noninterest expense to average assets | 1.7413% | 6,512 |
| Loan and lease loss provision to assets | 0.0274% | 4,123 |
| Net operating income to assets | 0.9900% | 2,270 |
| Return on assets (ROA) | 0.9900% | 2,392 |
| Pretax return on assets | 1.4452% | 1,721 |
| Return on Equity (ROE) | 8.0182% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.0182% | 1,749 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1809% | 6,213 |
| Assets per employee ($millions) | 5.6521% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,274 |
| Loan loss allowance to noncurrent loans | 1,328.9855% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 6,464 |
| Noncurrent loans to loans | 0.0672% | 6,276 |
| Net loans and leases to total assets | 69.2081% | 1,800 |
| Net loans and leases to deposits | 79.5987% | 2,134 |
| Net loans and leases to core deposits | 81.8418% | 2,593 |
| Total domestic deposits to total assets | 86.9463% | 2,995 |
| Equity capital to assets | 12.3692% | 1,794 |
| Core capital (leverage) ratio | 12.3227% | 1,416 |
| Tier 1 risk-based capital ratio | 16.1395% | 3,187 |
| Total risk-based capital ratio | 16.9694% | 3,375 |
| Memoranda: | ||
| Average total assets | $145,864,500 | 3,883 |
| Average earning assets | $139,622,000 | 3,772 |
| Average equity | $18,009,000 | 3,524 |
| Average total loans | $104,303,500 | 3,410 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 4,496 |
| Cost of funding earning assets | 1.0667% | 1,042 |
| Net interest margin | 3.1565% | 5,672 |
| Noninterest income to average assets | 0.5393% | 3,650 |
| Noninterest expense to average assets | 1.8564% | 6,543 |
| Loan and lease loss provision to assets | 0.0401% | 5,364 |
| Net operating income to assets | 1.0479% | 2,133 |
| Return on assets (ROA) | 1.0479% | 2,331 |
| Pretax return on assets | 1.6594% | 1,242 |
| Return on Equity (ROE) | 8.2087% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.9161% | 2,756 |
| Net charge-offs to loans | 0.0039% | 5,926 |
| Credit loss provision to net charge-offs | 1,375.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 582.2500% | 70 |
| Efficiency ratio | 52.2060% | 6,447 |
| Assets per employee ($millions) | 5.5683% | 1,626 |
| Cash dividends to net income (ytd only)* | 40.1114% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 6,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 72.5809% | 1,411 |
| Net loans and leases to deposits | 83.4285% | 1,825 |
| Net loans and leases to core deposits | 85.8040% | 2,336 |
| Total domestic deposits to total assets | 86.9978% | 2,848 |
| Equity capital to assets | 12.3233% | 1,846 |
| Core capital (leverage) ratio | 12.4925% | 1,320 |
| Tier 1 risk-based capital ratio | 15.4774% | 3,437 |
| Total risk-based capital ratio | 16.2809% | 3,653 |
| Memoranda: | ||
| Average total assets | $137,038,400 | 4,005 |
| Average earning assets | $130,967,200 | 3,878 |
| Average equity | $17,493,600 | 3,536 |
| Average total loans | $103,756,400 | 3,438 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 4,495 |
| Cost of funding earning assets | 1.0889% | 1,108 |
| Net interest margin | 3.1988% | 5,706 |
| Noninterest income to average assets | 0.4885% | 3,990 |
| Noninterest expense to average assets | 1.8977% | 6,527 |
| Loan and lease loss provision to assets | 0.0582% | 5,003 |
| Net operating income to assets | 1.0066% | 2,465 |
| Return on assets (ROA) | 1.0066% | 2,700 |
| Pretax return on assets | 1.5938% | 1,598 |
| Return on Equity (ROE) | 7.8129% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.5567% | 2,356 |
| Net charge-offs to loans | 0.0052% | 5,680 |
| Credit loss provision to net charge-offs | 1,475.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 418.7505% | 111 |
| Efficiency ratio | 53.4612% | 6,308 |
| Assets per employee ($millions) | 4.4900% | 2,931 |
| Cash dividends to net income (ytd only)* | 16.0783% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 6,223 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 78.8521% | 628 |
| Net loans and leases to deposits | 91.5724% | 1,010 |
| Net loans and leases to core deposits | 94.4057% | 1,541 |
| Total domestic deposits to total assets | 86.1090% | 3,191 |
| Equity capital to assets | 13.2636% | 1,469 |
| Core capital (leverage) ratio | 12.7931% | 1,279 |
| Tier 1 risk-based capital ratio | 15.4771% | 3,551 |
| Total risk-based capital ratio | 16.2843% | 3,773 |
| Memoranda: | ||
| Average total assets | $135,104,250 | 4,077 |
| Average earning assets | $129,296,000 | 3,955 |
| Average equity | $17,406,750 | 3,587 |
| Average total loans | $103,199,000 | 3,480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 4,650 |
| Cost of funding earning assets | 1.1120% | 1,165 |
| Net interest margin | 3.1678% | 5,829 |
| Noninterest income to average assets | 0.4496% | 4,293 |
| Noninterest expense to average assets | 1.9033% | 6,587 |
| Loan and lease loss provision to assets | 0.0370% | 5,212 |
| Net operating income to assets | 0.9834% | 2,535 |
| Return on assets (ROA) | 0.9834% | 2,769 |
| Pretax return on assets | 1.5425% | 1,733 |
| Return on Equity (ROE) | 7.7085% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.0393% | 2,692 |
| Net charge-offs to loans | 0.0079% | 5,367 |
| Credit loss provision to net charge-offs | 625.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 160 |
| Efficiency ratio | 54.6497% | 6,258 |
| Assets per employee ($millions) | 4.5527% | 2,809 |
| Cash dividends to net income (ytd only)* | 21.6541% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 5,981 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 74.9575% | 1,108 |
| Net loans and leases to deposits | 87.0975% | 1,462 |
| Net loans and leases to core deposits | 89.3264% | 2,058 |
| Total domestic deposits to total assets | 86.0616% | 3,325 |
| Equity capital to assets | 12.8130% | 1,614 |
| Core capital (leverage) ratio | 12.4562% | 1,372 |
| Tier 1 risk-based capital ratio | 15.6783% | 3,345 |
| Total risk-based capital ratio | 16.4809% | 3,578 |
| Memoranda: | ||
| Average total assets | $135,239,330 | 4,092 |
| Average earning assets | $129,491,330 | 3,971 |
| Average equity | $17,253,670 | 3,606 |
| Average total loans | $101,890,670 | 3,518 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 4,759 |
| Cost of funding earning assets | 1.1411% | 1,211 |
| Net interest margin | 3.1534% | 5,901 |
| Noninterest income to average assets | 0.4578% | 4,242 |
| Noninterest expense to average assets | 1.9202% | 6,610 |
| Loan and lease loss provision to assets | 0.0446% | 4,847 |
| Net operating income to assets | 0.9690% | 2,596 |
| Return on assets (ROA) | 0.9690% | 2,799 |
| Pretax return on assets | 1.5160% | 1,832 |
| Return on Equity (ROE) | 7.6122% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.6122% | 2,121 |
| Net charge-offs to loans | 0.0040% | 4,697 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 525.0000% | 47 |
| Efficiency ratio | 55.1665% | 6,207 |
| Assets per employee ($millions) | 4.5498% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 6,655 |
| Loan loss allowance to noncurrent loans | 3,346.1538% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 6,003 |
| Noncurrent loans to loans | 0.0252% | 6,711 |
| Net loans and leases to total assets | 74.8885% | 937 |
| Net loans and leases to deposits | 87.1692% | 1,265 |
| Net loans and leases to core deposits | 89.0130% | 1,952 |
| Total domestic deposits to total assets | 85.9116% | 3,582 |
| Equity capital to assets | 12.6532% | 1,624 |
| Core capital (leverage) ratio | 12.5628% | 1,311 |
| Tier 1 risk-based capital ratio | 15.3895% | 3,503 |
| Total risk-based capital ratio | 16.1801% | 3,765 |
| Memoranda: | ||
| Average total assets | $134,569,000 | 4,139 |
| Average earning assets | $129,002,500 | 4,005 |
| Average equity | $17,130,500 | 3,622 |
| Average total loans | $101,209,000 | 3,563 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 4,020 |
| Cost of funding earning assets | 1.2449% | 1,764 |
| Net interest margin | 3.5071% | 5,118 |
| Noninterest income to average assets | 0.5055% | 3,812 |
| Noninterest expense to average assets | 1.8993% | 6,835 |
| Loan and lease loss provision to assets | 0.0711% | 5,728 |
| Net operating income to assets | 1.2054% | 1,498 |
| Return on assets (ROA) | 1.2054% | 1,606 |
| Pretax return on assets | 1.8902% | 678 |
| Return on Equity (ROE) | 9.6446% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.3813% | 1,814 |
| Net charge-offs to loans | 0.0661% | 5,646 |
| Credit loss provision to net charge-offs | 144.6154% | 1,992 |
| Earnings coverage of net charge-offs (x) | 39.8769% | 681 |
| Efficiency ratio | 49.1964% | 6,882 |
| Assets per employee ($millions) | 4.5739% | 2,792 |
| Cash dividends to net income (ytd only)* | 33.8355% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 6,621 |
| Loan loss allowance to noncurrent loans | 126.6272% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 5,693 |
| Noncurrent loans to loans | 0.6806% | 5,339 |
| Net loans and leases to total assets | 74.2391% | 1,230 |
| Net loans and leases to deposits | 87.1227% | 1,499 |
| Net loans and leases to core deposits | 89.0264% | 2,247 |
| Total domestic deposits to total assets | 85.2122% | 3,739 |
| Equity capital to assets | 12.8088% | 1,593 |
| Core capital (leverage) ratio | 12.4445% | 1,369 |
| Tier 1 risk-based capital ratio | 15.6737% | 3,226 |
| Total risk-based capital ratio | 16.4814% | 3,452 |
| Memoranda: | ||
| Average total assets | $132,155,400 | 4,126 |
| Average earning assets | $126,430,800 | 4,007 |
| Average equity | $16,517,000 | 3,651 |
| Average total loans | $98,362,200 | 3,664 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 4,082 |
| Cost of funding earning assets | 1.2544% | 1,970 |
| Net interest margin | 3.5324% | 5,051 |
| Noninterest income to average assets | 0.4958% | 3,899 |
| Noninterest expense to average assets | 1.8914% | 6,858 |
| Loan and lease loss provision to assets | 0.0838% | 5,395 |
| Net operating income to assets | 1.1845% | 1,697 |
| Return on assets (ROA) | 1.1845% | 1,816 |
| Pretax return on assets | 1.9045% | 775 |
| Return on Equity (ROE) | 9.5371% | 2,373 |
| Retained earnings to average equity (ytd only) | 8.3663% | 1,368 |
| Net charge-offs to loans | 0.0041% | 6,138 |
| Credit loss provision to net charge-offs | 2,766.6667% | 103 |
| Earnings coverage of net charge-offs (x) | 656.3175% | 54 |
| Efficiency ratio | 48.7507% | 6,908 |
| Assets per employee ($millions) | 4.5804% | 2,792 |
| Cash dividends to net income (ytd only)* | 12.2765% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 6,537 |
| Loan loss allowance to noncurrent loans | 175.4352% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 6,099 |
| Noncurrent loans to loans | 0.5241% | 5,806 |
| Net loans and leases to total assets | 73.5819% | 1,399 |
| Net loans and leases to deposits | 86.1990% | 1,664 |
| Net loans and leases to core deposits | 88.3111% | 2,447 |
| Total domestic deposits to total assets | 85.3628% | 3,576 |
| Equity capital to assets | 12.7897% | 1,725 |
| Core capital (leverage) ratio | 12.3868% | 1,490 |
| Tier 1 risk-based capital ratio | 15.5971% | 3,333 |
| Total risk-based capital ratio | 16.4499% | 3,512 |
| Memoranda: | ||
| Average total assets | $132,033,500 | 4,151 |
| Average earning assets | $126,483,500 | 4,027 |
| Average equity | $16,398,750 | 3,675 |
| Average total loans | $98,120,500 | 3,695 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 4,256 |
| Cost of funding earning assets | 1.2698% | 2,117 |
| Net interest margin | 3.4889% | 5,208 |
| Noninterest income to average assets | 0.4963% | 3,890 |
| Noninterest expense to average assets | 1.9231% | 6,918 |
| Loan and lease loss provision to assets | 0.0820% | 5,287 |
| Net operating income to assets | 1.1384% | 1,763 |
| Return on assets (ROA) | 1.1384% | 1,831 |
| Pretax return on assets | 1.8275% | 831 |
| Return on Equity (ROE) | 9.2581% | 2,404 |
| Retained earnings to average equity (ytd only) | 7.4806% | 1,665 |
| Net charge-offs to loans | 0.0082% | 5,743 |
| Credit loss provision to net charge-offs | 1,350.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 314.5000% | 110 |
| Efficiency ratio | 50.1782% | 6,928 |
| Assets per employee ($millions) | 4.5606% | 2,744 |
| Cash dividends to net income (ytd only)* | 19.2000% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 6,714 |
| Loan loss allowance to noncurrent loans | 175.4000% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 6,180 |
| Noncurrent loans to loans | 0.5014% | 5,900 |
| Net loans and leases to total assets | 74.7357% | 1,275 |
| Net loans and leases to deposits | 86.9233% | 1,658 |
| Net loans and leases to core deposits | 89.0326% | 2,492 |
| Total domestic deposits to total assets | 85.9789% | 3,337 |
| Equity capital to assets | 12.4741% | 1,794 |
| Core capital (leverage) ratio | 12.1312% | 1,538 |
| Tier 1 risk-based capital ratio | 15.3969% | 3,295 |
| Total risk-based capital ratio | 16.2323% | 3,476 |
| Memoranda: | ||
| Average total assets | $131,767,000 | 4,189 |
| Average earning assets | $126,000,330 | 4,069 |
| Average equity | $16,202,000 | 3,695 |
| Average total loans | $97,944,670 | 3,743 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 4,100 |
| Cost of funding earning assets | 1.2968% | 2,195 |
| Net interest margin | 3.4933% | 5,043 |
| Noninterest income to average assets | 0.5109% | 3,789 |
| Noninterest expense to average assets | 1.9343% | 6,930 |
| Loan and lease loss provision to assets | 0.0639% | 5,193 |
| Net operating income to assets | 1.1618% | 1,619 |
| Return on assets (ROA) | 1.1618% | 1,674 |
| Pretax return on assets | 1.8309% | 772 |
| Return on Equity (ROE) | 9.5179% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.5179% | 1,234 |
| Net charge-offs to loans | 0.0041% | 5,072 |
| Credit loss provision to net charge-offs | 2,100.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 623.0000% | 35 |
| Efficiency ratio | 50.5163% | 6,952 |
| Assets per employee ($millions) | 4.5759% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 6,760 |
| Loan loss allowance to noncurrent loans | 159.8113% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,204 |
| Noncurrent loans to loans | 0.5472% | 5,932 |
| Net loans and leases to total assets | 72.3474% | 1,644 |
| Net loans and leases to deposits | 83.9946% | 2,031 |
| Net loans and leases to core deposits | 86.7967% | 2,758 |
| Total domestic deposits to total assets | 86.1334% | 3,442 |
| Equity capital to assets | 12.2449% | 1,763 |
| Core capital (leverage) ratio | 12.0271% | 1,552 |
| Tier 1 risk-based capital ratio | 14.8477% | 3,508 |
| Total risk-based capital ratio | 15.6367% | 3,779 |
| Memoranda: | ||
| Average total assets | $131,521,500 | 4,223 |
| Average earning assets | $124,924,000 | 4,122 |
| Average equity | $16,054,000 | 3,719 |
| Average total loans | $97,056,500 | 3,810 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2161% | 3,530 |
| Cost of funding earning assets | 1.6396% | 1,868 |
| Net interest margin | 3.5765% | 4,930 |
| Noninterest income to average assets | 0.5274% | 3,975 |
| Noninterest expense to average assets | 1.9836% | 7,048 |
| Loan and lease loss provision to assets | 0.1515% | 5,685 |
| Net operating income to assets | 1.1104% | 1,676 |
| Return on assets (ROA) | 1.1104% | 1,754 |
| Pretax return on assets | 1.7591% | 833 |
| Return on Equity (ROE) | 8.9538% | 2,308 |
| Retained earnings to average equity (ytd only) | 6.0438% | 1,790 |
| Net charge-offs to loans | 0.0317% | 6,486 |
| Credit loss provision to net charge-offs | 636.6667% | 331 |
| Earnings coverage of net charge-offs (x) | 80.3000% | 304 |
| Efficiency ratio | 50.9369% | 7,064 |
| Assets per employee ($millions) | 4.8275% | 2,387 |
| Cash dividends to net income (ytd only)* | 32.5000% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,854 |
| Loan loss allowance to noncurrent loans | 145.5986% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 6,091 |
| Noncurrent loans to loans | 0.5840% | 5,879 |
| Net loans and leases to total assets | 73.9848% | 1,666 |
| Net loans and leases to deposits | 85.3685% | 2,212 |
| Net loans and leases to core deposits | 87.4510% | 3,122 |
| Total domestic deposits to total assets | 86.6652% | 2,999 |
| Equity capital to assets | 12.1671% | 1,818 |
| Core capital (leverage) ratio | 11.9602% | 1,579 |
| Tier 1 risk-based capital ratio | 14.5714% | 3,497 |
| Total risk-based capital ratio | 15.3460% | 3,775 |
| Memoranda: | ||
| Average total assets | $126,085,000 | 4,350 |
| Average earning assets | $118,690,400 | 4,260 |
| Average equity | $15,635,800 | 3,832 |
| Average total loans | $94,538,800 | 3,938 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 3,569 |
| Cost of funding earning assets | 1.7075% | 1,839 |
| Net interest margin | 3.5439% | 5,126 |
| Noninterest income to average assets | 0.5162% | 4,056 |
| Noninterest expense to average assets | 1.9943% | 7,056 |
| Loan and lease loss provision to assets | 0.1493% | 5,543 |
| Net operating income to assets | 1.0963% | 1,900 |
| Return on assets (ROA) | 1.0963% | 2,008 |
| Pretax return on assets | 1.7127% | 1,090 |
| Return on Equity (ROE) | 8.7974% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.1128% | 1,387 |
| Net charge-offs to loans | 0.0426% | 6,113 |
| Credit loss provision to net charge-offs | 466.6667% | 636 |
| Earnings coverage of net charge-offs (x) | 58.1985% | 499 |
| Efficiency ratio | 51.7146% | 7,007 |
| Assets per employee ($millions) | 4.5571% | 2,823 |
| Cash dividends to net income (ytd only)* | 7.7818% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 6,904 |
| Loan loss allowance to noncurrent loans | 2,425.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 7,147 |
| Noncurrent loans to loans | 0.0349% | 7,162 |
| Net loans and leases to total assets | 71.3391% | 2,397 |
| Net loans and leases to deposits | 83.3407% | 2,823 |
| Net loans and leases to core deposits | 85.9947% | 3,656 |
| Total domestic deposits to total assets | 85.5994% | 3,293 |
| Equity capital to assets | 12.6278% | 1,792 |
| Core capital (leverage) ratio | 12.3562% | 1,476 |
| Tier 1 risk-based capital ratio | 15.0258% | 3,241 |
| Total risk-based capital ratio | 15.7751% | 3,465 |
| Memoranda: | ||
| Average total assets | $125,020,500 | 4,441 |
| Average earning assets | $117,832,250 | 4,337 |
| Average equity | $15,580,000 | 3,882 |
| Average total loans | $93,858,250 | 4,020 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2631% | 3,629 |
| Cost of funding earning assets | 1.7288% | 1,977 |
| Net interest margin | 3.5344% | 5,112 |
| Noninterest income to average assets | 0.5155% | 3,991 |
| Noninterest expense to average assets | 1.9845% | 7,139 |
| Loan and lease loss provision to assets | 0.1450% | 5,445 |
| Net operating income to assets | 1.1066% | 1,835 |
| Return on assets (ROA) | 1.1066% | 1,908 |
| Pretax return on assets | 1.7187% | 1,029 |
| Return on Equity (ROE) | 8.9207% | 2,504 |
| Retained earnings to average equity (ytd only) | 7.8819% | 1,484 |
| Net charge-offs to loans | 0.0635% | 5,505 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 38.5667% | 750 |
| Efficiency ratio | 51.5697% | 7,112 |
| Assets per employee ($millions) | 4.2992% | 3,217 |
| Cash dividends to net income (ytd only)* | 11.6448% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 7,125 |
| Loan loss allowance to noncurrent loans | 2,268.7500% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 7,197 |
| Noncurrent loans to loans | 0.0334% | 7,239 |
| Net loans and leases to total assets | 76.1913% | 1,455 |
| Net loans and leases to deposits | 89.0415% | 1,995 |
| Net loans and leases to core deposits | 94.1961% | 2,685 |
| Total domestic deposits to total assets | 85.5683% | 3,336 |
| Equity capital to assets | 12.5949% | 1,744 |
| Core capital (leverage) ratio | 12.2891% | 1,501 |
| Tier 1 risk-based capital ratio | 15.0743% | 3,122 |
| Total risk-based capital ratio | 15.7934% | 3,383 |
| Memoranda: | ||
| Average total assets | $124,161,000 | 4,486 |
| Average earning assets | $117,078,330 | 4,391 |
| Average equity | $15,402,330 | 3,911 |
| Average total loans | $94,543,000 | 4,050 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2944% | 3,579 |
| Cost of funding earning assets | 1.7373% | 2,199 |
| Net interest margin | 3.5571% | 4,914 |
| Noninterest income to average assets | 0.4778% | 4,219 |
| Noninterest expense to average assets | 1.9628% | 7,224 |
| Loan and lease loss provision to assets | 0.0968% | 5,662 |
| Net operating income to assets | 1.1396% | 1,708 |
| Return on assets (ROA) | 1.1396% | 1,784 |
| Pretax return on assets | 1.7627% | 949 |
| Return on Equity (ROE) | 9.2578% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.2578% | 1,333 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3514% | 7,203 |
| Assets per employee ($millions) | 4.1649% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 7,270 |
| Loan loss allowance to noncurrent loans | 2,175.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 7,426 |
| Noncurrent loans to loans | 0.0340% | 7,329 |
| Net loans and leases to total assets | 74.6733% | 1,811 |
| Net loans and leases to deposits | 88.5327% | 2,126 |
| Net loans and leases to core deposits | 94.4132% | 2,784 |
| Total domestic deposits to total assets | 84.3454% | 3,976 |
| Equity capital to assets | 12.3556% | 1,837 |
| Core capital (leverage) ratio | 12.2723% | 1,507 |
| Tier 1 risk-based capital ratio | 14.6841% | 3,265 |
| Total risk-based capital ratio | 15.3670% | 3,549 |
| Memoranda: | ||
| Average total assets | $123,903,000 | 4,541 |
| Average earning assets | $116,501,000 | 4,455 |
| Average equity | $15,252,000 | 3,972 |
| Average total loans | $93,955,000 | 4,124 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 4,610 |
| Cost of funding earning assets | 2.0679% | 2,641 |
| Net interest margin | 3.3493% | 5,557 |
| Noninterest income to average assets | 0.5146% | 4,293 |
| Noninterest expense to average assets | 2.2127% | 6,960 |
| Loan and lease loss provision to assets | 0.1043% | 6,593 |
| Net operating income to assets | 0.9100% | 2,147 |
| Return on assets (ROA) | 0.8941% | 2,269 |
| Pretax return on assets | 1.3453% | 1,571 |
| Return on Equity (ROE) | 7.2664% | 2,682 |
| Retained earnings to average equity (ytd only) | 3.0638% | 3,015 |
| Net charge-offs to loans | 0.0274% | 6,863 |
| Credit loss provision to net charge-offs | 520.8333% | 584 |
| Earnings coverage of net charge-offs (x) | 73.6250% | 372 |
| Efficiency ratio | 60.0226% | 6,490 |
| Assets per employee ($millions) | 3.7230% | 4,466 |
| Cash dividends to net income (ytd only)* | 57.8358% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 7,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 75.8968% | 1,821 |
| Net loans and leases to deposits | 90.5820% | 2,126 |
| Net loans and leases to core deposits | 113.0337% | 2,597 |
| Total domestic deposits to total assets | 83.7879% | 4,132 |
| Equity capital to assets | 12.2628% | 1,873 |
| Core capital (leverage) ratio | 11.9664% | 1,677 |
| Tier 1 risk-based capital ratio | 14.7951% | 3,049 |
| Total risk-based capital ratio | 15.4694% | 3,318 |
| Memoranda: | ||
| Average total assets | $119,900,600 | 4,566 |
| Average earning assets | $113,545,600 | 4,458 |
| Average equity | $14,752,800 | 4,109 |
| Average total loans | $87,581,200 | 4,282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 5,102 |
| Cost of funding earning assets | 2.1193% | 2,804 |
| Net interest margin | 3.2485% | 5,842 |
| Noninterest income to average assets | 0.4968% | 4,511 |
| Noninterest expense to average assets | 2.1338% | 7,123 |
| Loan and lease loss provision to assets | 0.1063% | 6,312 |
| Net operating income to assets | 0.8955% | 2,437 |
| Return on assets (ROA) | 0.8962% | 2,503 |
| Pretax return on assets | 1.3382% | 1,853 |
| Return on Equity (ROE) | 7.2777% | 2,957 |
| Retained earnings to average equity (ytd only) | 1.6446% | 4,393 |
| Net charge-offs to loans | 0.0372% | 6,383 |
| Credit loss provision to net charge-offs | 395.8333% | 1,007 |
| Earnings coverage of net charge-offs (x) | 53.7488% | 597 |
| Efficiency ratio | 59.6497% | 6,461 |
| Assets per employee ($millions) | 3.7249% | 4,367 |
| Cash dividends to net income (ytd only)* | 77.4039% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6772% | 7,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.8894% | 2,014 |
| Net loans and leases to deposits | 91.7842% | 2,269 |
| Net loans and leases to core deposits | 115.3591% | 2,684 |
| Total domestic deposits to total assets | 82.6824% | 4,372 |
| Equity capital to assets | 12.0996% | 2,189 |
| Core capital (leverage) ratio | 11.8248% | 1,886 |
| Tier 1 risk-based capital ratio | 14.6006% | 3,223 |
| Total risk-based capital ratio | 15.2481% | 3,503 |
| Memoranda: | ||
| Average total assets | $119,161,000 | 4,620 |
| Average earning assets | $112,993,250 | 4,515 |
| Average equity | $14,674,500 | 4,152 |
| Average total loans | $85,998,500 | 4,367 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3134% | 5,595 |
| Cost of funding earning assets | 2.1787% | 2,893 |
| Net interest margin | 3.1347% | 6,139 |
| Noninterest income to average assets | 0.4987% | 4,455 |
| Noninterest expense to average assets | 2.0474% | 7,382 |
| Loan and lease loss provision to assets | 0.1001% | 6,172 |
| Net operating income to assets | 0.8928% | 2,480 |
| Return on assets (ROA) | 0.8939% | 2,588 |
| Pretax return on assets | 1.3231% | 1,955 |
| Return on Equity (ROE) | 7.2151% | 3,103 |
| Retained earnings to average equity (ytd only) | -1.2732% | 5,558 |
| Net charge-offs to loans | 0.0456% | 5,832 |
| Credit loss provision to net charge-offs | 310.5263% | 1,499 |
| Earnings coverage of net charge-offs (x) | 44.1053% | 757 |
| Efficiency ratio | 59.0220% | 6,689 |
| Assets per employee ($millions) | 3.7134% | 4,290 |
| Cash dividends to net income (ytd only)* | 117.6471% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7049% | 7,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.7209% | 3,296 |
| Net loans and leases to deposits | 83.6862% | 3,943 |
| Net loans and leases to core deposits | 107.3903% | 3,676 |
| Total domestic deposits to total assets | 85.7023% | 2,922 |
| Equity capital to assets | 12.1081% | 2,146 |
| Core capital (leverage) ratio | 11.7017% | 1,977 |
| Tier 1 risk-based capital ratio | 15.3699% | 2,868 |
| Total risk-based capital ratio | 16.0309% | 3,044 |
| Memoranda: | ||
| Average total assets | $117,907,670 | 4,687 |
| Average earning assets | $111,716,670 | 4,581 |
| Average equity | $14,608,330 | 4,182 |
| Average total loans | $83,358,000 | 4,484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 6,198 |
| Cost of funding earning assets | 2.1900% | 3,212 |
| Net interest margin | 3.0370% | 6,385 |
| Noninterest income to average assets | 0.5143% | 4,193 |
| Noninterest expense to average assets | 2.1218% | 7,069 |
| Loan and lease loss provision to assets | 0.0511% | 6,324 |
| Net operating income to assets | 0.8287% | 3,001 |
| Return on assets (ROA) | 0.8310% | 3,137 |
| Pretax return on assets | 1.2022% | 2,622 |
| Return on Equity (ROE) | 6.6311% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.6311% | 2,361 |
| Net charge-offs to loans | 0.0097% | 5,510 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 183.5000% | 235 |
| Efficiency ratio | 62.9293% | 5,882 |
| Assets per employee ($millions) | 3.8263% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 7,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 7,461 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 70.8382% | 3,508 |
| Net loans and leases to deposits | 83.4623% | 4,067 |
| Net loans and leases to core deposits | 107.7369% | 3,718 |
| Total domestic deposits to total assets | 84.8745% | 3,267 |
| Equity capital to assets | 12.5398% | 1,951 |
| Core capital (leverage) ratio | 12.1588% | 1,834 |
| Tier 1 risk-based capital ratio | 15.4754% | 2,863 |
| Total risk-based capital ratio | 16.1010% | 3,062 |
| Memoranda: | ||
| Average total assets | $117,446,500 | 4,717 |
| Average earning assets | $110,502,000 | 4,625 |
| Average equity | $14,718,500 | 4,190 |
| Average total loans | $82,121,500 | 4,555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7900% | 6,461 |
| Cost of funding earning assets | 2.2263% | 5,474 |
| Net interest margin | 3.5637% | 5,045 |
| Noninterest income to average assets | 0.6025% | 3,830 |
| Noninterest expense to average assets | 2.3044% | 6,688 |
| Loan and lease loss provision to assets | 0.0066% | 7,282 |
| Net operating income to assets | 1.0958% | 2,165 |
| Return on assets (ROA) | 1.0965% | 2,075 |
| Pretax return on assets | 1.6017% | 1,376 |
| Return on Equity (ROE) | 8.2152% | 2,972 |
| Retained earnings to average equity (ytd only) | 5.0593% | 1,994 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9087% | 6,541 |
| Assets per employee ($millions) | 3.7509% | 4,059 |
| Cash dividends to net income (ytd only)* | 38.4152% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 7,398 |
| Loan loss allowance to noncurrent loans | 1,066.0377% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 7,402 |
| Noncurrent loans to loans | 0.0665% | 7,241 |
| Net loans and leases to total assets | 68.0054% | 4,464 |
| Net loans and leases to deposits | 80.5058% | 4,958 |
| Net loans and leases to core deposits | 104.1570% | 4,379 |
| Total domestic deposits to total assets | 84.4727% | 3,089 |
| Equity capital to assets | 12.5242% | 2,000 |
| Core capital (leverage) ratio | 12.8860% | 1,584 |
| Tier 1 risk-based capital ratio | 16.2050% | 2,584 |
| Total risk-based capital ratio | 16.8565% | 2,736 |
| Memoranda: | ||
| Average total assets | $105,886,000 | 4,880 |
| Average earning assets | $98,325,000 | 4,855 |
| Average equity | $14,132,400 | 4,312 |
| Average total loans | $69,809,400 | 4,877 |