Home > Cumberland Security Bank, Inc. > Performance and Condition Ratios
Cumberland Security Bank, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6633% | 506 |
| Cost of funding earning assets | 1.0591% | 3,931 |
| Net interest margin | 5.6041% | 144 |
| Noninterest income to average assets | 0.7200% | 983 |
| Noninterest expense to average assets | 2.2649% | 2,940 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 3.7618% | 102 |
| Return on assets (ROA) | 3.7618% | 103 |
| Pretax return on assets | 3.7618% | 118 |
| Return on Equity (ROE) | 28.3300% | 134 |
| Retained earnings to average equity (ytd only) | 20.1940% | 152 |
| Net charge-offs to loans | 0.0038% | 2,134 |
| Credit loss provision to net charge-offs | 2,500.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 1,182.0000% | 76 |
| Efficiency ratio | 37.1611% | 4,329 |
| Assets per employee ($millions) | 6.2075% | 2,792 |
| Cash dividends to net income (ytd only)* | 28.7109% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6452% | 192 |
| Loan loss allowance to noncurrent loans | 5,648.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,404 |
| Noncurrent loans to loans | 0.0468% | 3,438 |
| Net loans and leases to total assets | 83.7200% | 264 |
| Net loans and leases to deposits | 97.0935% | 551 |
| Net loans and leases to core deposits | 108.8418% | 895 |
| Total domestic deposits to total assets | 86.2200% | 2,225 |
| Equity capital to assets | 13.5752% | 778 |
| Core capital (leverage) ratio | 13.7832% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7747% | 917 |
| Memoranda: | ||
| Average total assets | $370,354,500 | 2,171 |
| Average earning assets | $355,379,500 | 2,121 |
| Average equity | $49,183,000 | 1,776 |
| Average total loans | $312,013,000 | 1,831 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4550% | 754 |
| Cost of funding earning assets | 1.0187% | 4,019 |
| Net interest margin | 5.4363% | 193 |
| Noninterest income to average assets | 0.7900% | 941 |
| Noninterest expense to average assets | 2.2350% | 3,024 |
| Loan and lease loss provision to assets | 0.2600% | 483 |
| Net operating income to assets | 3.5114% | 110 |
| Return on assets (ROA) | 3.5114% | 113 |
| Pretax return on assets | 3.5114% | 132 |
| Return on Equity (ROE) | 26.9200% | 146 |
| Retained earnings to average equity (ytd only) | 9.4741% | 688 |
| Net charge-offs to loans | 0.0035% | 2,848 |
| Credit loss provision to net charge-offs | 9,200.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,326.7000% | 90 |
| Efficiency ratio | 37.2095% | 4,354 |
| Assets per employee ($millions) | 5.9396% | 2,917 |
| Cash dividends to net income (ytd only)* | 64.8073% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7655% | 171 |
| Loan loss allowance to noncurrent loans | 5,185.1852% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,360 |
| Noncurrent loans to loans | 0.0533% | 3,375 |
| Net loans and leases to total assets | 80.2000% | 632 |
| Net loans and leases to deposits | 92.4233% | 998 |
| Net loans and leases to core deposits | 101.1750% | 1,379 |
| Total domestic deposits to total assets | 86.7800% | 1,944 |
| Equity capital to assets | 12.9814% | 889 |
| Core capital (leverage) ratio | 13.4250% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7280% | 928 |
| Memoranda: | ||
| Average total assets | $351,767,200 | 2,229 |
| Average earning assets | $337,598,000 | 2,171 |
| Average equity | $45,882,800 | 1,817 |
| Average total loans | $286,668,400 | 1,907 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3600% | 825 |
| Cost of funding earning assets | 1.0078% | 4,043 |
| Net interest margin | 5.3522% | 222 |
| Noninterest income to average assets | 0.8000% | 884 |
| Noninterest expense to average assets | 2.2590% | 2,926 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 3.5537% | 106 |
| Return on assets (ROA) | 3.5537% | 108 |
| Pretax return on assets | 3.5537% | 134 |
| Return on Equity (ROE) | 27.2100% | 154 |
| Retained earnings to average equity (ytd only) | 13.1003% | 380 |
| Net charge-offs to loans | 0.0038% | 2,571 |
| Credit loss provision to net charge-offs | 3,937.5000% | 131 |
| Earnings coverage of net charge-offs (x) | 1,197.2500% | 94 |
| Efficiency ratio | 38.0786% | 4,370 |
| Assets per employee ($millions) | 5.8934% | 2,957 |
| Cash dividends to net income (ytd only)* | 51.8562% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6655% | 192 |
| Loan loss allowance to noncurrent loans | 4,380.3371% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,394 |
| Noncurrent loans to loans | 0.0609% | 3,398 |
| Net loans and leases to total assets | 77.9200% | 887 |
| Net loans and leases to deposits | 90.1082% | 1,239 |
| Net loans and leases to core deposits | 98.4758% | 1,583 |
| Total domestic deposits to total assets | 86.4800% | 1,763 |
| Equity capital to assets | 13.2120% | 912 |
| Core capital (leverage) ratio | 13.8443% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3126% | 753 |
| Memoranda: | ||
| Average total assets | $347,644,750 | 2,234 |
| Average earning assets | $333,663,000 | 2,187 |
| Average equity | $45,402,250 | 1,831 |
| Average total loans | $282,399,250 | 1,911 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2603% | 852 |
| Cost of funding earning assets | 0.9898% | 4,029 |
| Net interest margin | 5.2706% | 242 |
| Noninterest income to average assets | 0.7900% | 883 |
| Noninterest expense to average assets | 2.2696% | 2,872 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 3.4741% | 117 |
| Return on assets (ROA) | 3.4741% | 119 |
| Pretax return on assets | 3.4741% | 150 |
| Return on Equity (ROE) | 26.7100% | 181 |
| Retained earnings to average equity (ytd only) | 11.1644% | 670 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 38.7258% | 4,376 |
| Assets per employee ($millions) | 5.7930% | 2,978 |
| Cash dividends to net income (ytd only)* | 58.2042% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6951% | 191 |
| Loan loss allowance to noncurrent loans | 3,755.6098% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 3,269 |
| Noncurrent loans to loans | 0.0718% | 3,307 |
| Net loans and leases to total assets | 78.6600% | 832 |
| Net loans and leases to deposits | 90.6194% | 1,247 |
| Net loans and leases to core deposits | 98.8141% | 1,557 |
| Total domestic deposits to total assets | 86.8000% | 1,722 |
| Equity capital to assets | 12.8944% | 893 |
| Core capital (leverage) ratio | 13.6030% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7485% | 962 |
| Memoranda: | ||
| Average total assets | $341,730,333 | 2,252 |
| Average earning assets | $328,769,667 | 2,198 |
| Average equity | $44,444,667 | 1,835 |
| Average total loans | $279,026,000 | 1,922 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1728% | 865 |
| Cost of funding earning assets | 0.9378% | 4,055 |
| Net interest margin | 5.2350% | 249 |
| Noninterest income to average assets | 0.7900% | 844 |
| Noninterest expense to average assets | 2.2828% | 2,851 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 3.4081% | 126 |
| Return on assets (ROA) | 3.4081% | 126 |
| Pretax return on assets | 3.4081% | 158 |
| Return on Equity (ROE) | 26.0900% | 208 |
| Retained earnings to average equity (ytd only) | 16.0603% | 361 |
| Net charge-offs to loans | 0.0044% | 1,981 |
| Credit loss provision to net charge-offs | 3,500.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 989.0000% | 97 |
| Efficiency ratio | 39.2506% | 4,361 |
| Assets per employee ($millions) | 5.6851% | 3,084 |
| Cash dividends to net income (ytd only)* | 38.4347% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6920% | 157 |
| Loan loss allowance to noncurrent loans | 3,703.4146% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,254 |
| Noncurrent loans to loans | 0.0727% | 3,265 |
| Net loans and leases to total assets | 80.4500% | 564 |
| Net loans and leases to deposits | 92.8653% | 957 |
| Net loans and leases to core deposits | 101.4630% | 1,327 |
| Total domestic deposits to total assets | 86.6300% | 1,896 |
| Equity capital to assets | 13.1177% | 836 |
| Core capital (leverage) ratio | 13.7990% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8350% | 951 |
| Memoranda: | ||
| Average total assets | $335,910,000 | 2,274 |
| Average earning assets | $322,448,000 | 2,225 |
| Average equity | $43,884,500 | 1,841 |
| Average total loans | $275,707,500 | 1,936 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8590% | 763 |
| Cost of funding earning assets | 0.5241% | 4,177 |
| Net interest margin | 5.3350% | 224 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.3031% | 2,847 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 3.4938% | 124 |
| Return on assets (ROA) | 3.4938% | 122 |
| Pretax return on assets | 3.4938% | 148 |
| Return on Equity (ROE) | 27.5500% | 232 |
| Retained earnings to average equity (ytd only) | 11.2939% | 731 |
| Net charge-offs to loans | 0.0203% | 1,936 |
| Credit loss provision to net charge-offs | 1,056.6038% | 393 |
| Earnings coverage of net charge-offs (x) | 220.6604% | 553 |
| Efficiency ratio | 38.5605% | 4,388 |
| Assets per employee ($millions) | 5.8020% | 2,980 |
| Cash dividends to net income (ytd only)* | 59.0031% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7803% | 147 |
| Loan loss allowance to noncurrent loans | 7,343.1373% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,457 |
| Noncurrent loans to loans | 0.0379% | 3,456 |
| Net loans and leases to total assets | 79.1900% | 744 |
| Net loans and leases to deposits | 91.2996% | 1,157 |
| Net loans and leases to core deposits | 96.3690% | 1,637 |
| Total domestic deposits to total assets | 86.7400% | 1,775 |
| Equity capital to assets | 13.0093% | 860 |
| Core capital (leverage) ratio | 13.4003% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $318,705,000 | 2,327 |
| Average earning assets | $306,056,800 | 2,267 |
| Average equity | $40,420,200 | 1,873 |
| Average total loans | $261,010,800 | 1,954 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7333% | 753 |
| Cost of funding earning assets | 0.4522% | 4,196 |
| Net interest margin | 5.2812% | 227 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.3397% | 2,678 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 3.5860% | 129 |
| Return on assets (ROA) | 3.5860% | 129 |
| Pretax return on assets | 3.5860% | 152 |
| Return on Equity (ROE) | 28.4700% | 257 |
| Retained earnings to average equity (ytd only) | 14.7380% | 587 |
| Net charge-offs to loans | 0.0191% | 1,748 |
| Credit loss provision to net charge-offs | 121.6216% | 1,476 |
| Earnings coverage of net charge-offs (x) | 230.7027% | 538 |
| Efficiency ratio | 39.3578% | 4,375 |
| Assets per employee ($millions) | 5.8142% | 2,914 |
| Cash dividends to net income (ytd only)* | 48.2275% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5999% | 176 |
| Loan loss allowance to noncurrent loans | 77,677.7778% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,850 |
| Noncurrent loans to loans | 0.0033% | 3,795 |
| Net loans and leases to total assets | 79.0300% | 754 |
| Net loans and leases to deposits | 90.8428% | 1,161 |
| Net loans and leases to core deposits | 93.5630% | 1,701 |
| Total domestic deposits to total assets | 86.9900% | 1,897 |
| Equity capital to assets | 12.6813% | 877 |
| Core capital (leverage) ratio | 13.4371% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2627% | 911 |
| Memoranda: | ||
| Average total assets | $315,702,250 | 2,345 |
| Average earning assets | $303,713,500 | 2,279 |
| Average equity | $39,769,250 | 1,881 |
| Average total loans | $258,915,000 | 1,968 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 698 |
| Cost of funding earning assets | 0.3701% | 4,211 |
| Net interest margin | 5.2703% | 220 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.3423% | 2,673 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 3.5398% | 117 |
| Return on assets (ROA) | 3.5398% | 118 |
| Pretax return on assets | 3.5424% | 140 |
| Return on Equity (ROE) | 28.1700% | 260 |
| Retained earnings to average equity (ytd only) | 13.3020% | 765 |
| Net charge-offs to loans | 0.0211% | 1,467 |
| Credit loss provision to net charge-offs | 111.1111% | 1,373 |
| Earnings coverage of net charge-offs (x) | 204.7778% | 593 |
| Efficiency ratio | 39.6727% | 4,404 |
| Assets per employee ($millions) | 5.5856% | 3,072 |
| Cash dividends to net income (ytd only)* | 52.7753% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6376% | 187 |
| Loan loss allowance to noncurrent loans | 24,950.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,762 |
| Noncurrent loans to loans | 0.0106% | 3,706 |
| Net loans and leases to total assets | 81.0000% | 523 |
| Net loans and leases to deposits | 93.0048% | 952 |
| Net loans and leases to core deposits | 95.6723% | 1,480 |
| Total domestic deposits to total assets | 87.0900% | 1,903 |
| Equity capital to assets | 12.6622% | 897 |
| Core capital (leverage) ratio | 13.0650% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7500% | 850 |
| Memoranda: | ||
| Average total assets | $310,466,333 | 2,379 |
| Average earning assets | $298,276,333 | 2,326 |
| Average equity | $39,016,667 | 1,910 |
| Average total loans | $255,587,000 | 1,978 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 945 |
| Cost of funding earning assets | 0.2650% | 4,270 |
| Net interest margin | 4.9431% | 317 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.3268% | 2,742 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 3.2391% | 135 |
| Return on assets (ROA) | 3.2391% | 134 |
| Pretax return on assets | 3.2443% | 167 |
| Return on Equity (ROE) | 25.8800% | 369 |
| Retained earnings to average equity (ytd only) | 15.4504% | 743 |
| Net charge-offs to loans | -0.0048% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.6200% | 4,399 |
| Assets per employee ($millions) | 5.4917% | 3,232 |
| Cash dividends to net income (ytd only)* | 40.2901% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7007% | 178 |
| Loan loss allowance to noncurrent loans | 38,894.4444% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,836 |
| Noncurrent loans to loans | 0.0069% | 3,789 |
| Net loans and leases to total assets | 80.5800% | 487 |
| Net loans and leases to deposits | 93.3607% | 824 |
| Net loans and leases to core deposits | 95.2450% | 1,322 |
| Total domestic deposits to total assets | 86.3100% | 2,503 |
| Equity capital to assets | 12.5559% | 855 |
| Core capital (leverage) ratio | 13.4239% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0505% | 839 |
| Memoranda: | ||
| Average total assets | $306,509,500 | 2,429 |
| Average earning assets | $294,310,500 | 2,379 |
| Average equity | $38,368,000 | 1,945 |
| Average total loans | $250,947,500 | 2,024 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 733 |
| Cost of funding earning assets | 0.1034% | 4,381 |
| Net interest margin | 4.3889% | 355 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.3083% | 2,705 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 2.5452% | 143 |
| Return on assets (ROA) | 2.5452% | 140 |
| Pretax return on assets | 2.5503% | 201 |
| Return on Equity (ROE) | 20.6300% | 416 |
| Retained earnings to average equity (ytd only) | 7.6756% | 1,964 |
| Net charge-offs to loans | 0.0031% | 2,374 |
| Credit loss provision to net charge-offs | 13,428.5714% | 54 |
| Earnings coverage of net charge-offs (x) | 1,217.0000% | 148 |
| Efficiency ratio | 44.6063% | 4,407 |
| Assets per employee ($millions) | 5.1723% | 3,532 |
| Cash dividends to net income (ytd only)* | 62.7975% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8776% | 134 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.5600% | 745 |
| Net loans and leases to deposits | 89.9338% | 1,058 |
| Net loans and leases to core deposits | 91.5203% | 1,423 |
| Total domestic deposits to total assets | 87.3600% | 2,280 |
| Equity capital to assets | 12.4779% | 811 |
| Core capital (leverage) ratio | 12.8625% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1822% | 807 |
| Memoranda: | ||
| Average total assets | $297,184,600 | 2,461 |
| Average earning assets | $284,214,200 | 2,422 |
| Average equity | $36,661,400 | 2,047 |
| Average total loans | $227,779,000 | 2,068 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 749 |
| Cost of funding earning assets | 0.0894% | 4,351 |
| Net interest margin | 4.2031% | 416 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.3187% | 2,576 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 2.5440% | 146 |
| Return on assets (ROA) | 2.5440% | 144 |
| Pretax return on assets | 2.5489% | 200 |
| Return on Equity (ROE) | 20.6800% | 385 |
| Retained earnings to average equity (ytd only) | 8.8001% | 1,727 |
| Net charge-offs to loans | -0.0077% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.2463% | 4,371 |
| Assets per employee ($millions) | 5.3250% | 3,394 |
| Cash dividends to net income (ytd only)* | 57.4509% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7484% | 170 |
| Loan loss allowance to noncurrent loans | 27,773.9130% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,928 |
| Noncurrent loans to loans | 0.0099% | 3,878 |
| Net loans and leases to total assets | 71.9500% | 1,304 |
| Net loans and leases to deposits | 81.6773% | 1,469 |
| Net loans and leases to core deposits | 83.2999% | 1,704 |
| Total domestic deposits to total assets | 88.0900% | 2,399 |
| Equity capital to assets | 11.6359% | 960 |
| Core capital (leverage) ratio | 12.6141% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3954% | 803 |
| Memoranda: | ||
| Average total assets | $296,482,250 | 2,488 |
| Average earning assets | $283,498,500 | 2,441 |
| Average equity | $36,468,500 | 2,092 |
| Average total loans | $224,056,750 | 2,084 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 659 |
| Cost of funding earning assets | 0.0807% | 4,372 |
| Net interest margin | 4.1017% | 398 |
| Noninterest income to average assets | 0.9822% | 701 |
| Noninterest expense to average assets | 2.3449% | 2,411 |
| Loan and lease loss provision to assets | 0.0619% | 1,483 |
| Net operating income to assets | 2.4902% | 112 |
| Return on assets (ROA) | 2.4902% | 108 |
| Pretax return on assets | 2.4950% | 167 |
| Return on Equity (ROE) | 19.8578% | 315 |
| Retained earnings to average equity (ytd only) | 7.5084% | 1,810 |
| Net charge-offs to loans | -0.0108% | 3,617 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8377% | 4,352 |
| Assets per employee ($millions) | 5.0182% | 3,659 |
| Cash dividends to net income (ytd only)* | 62.1891% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6801% | 202 |
| Loan loss allowance to noncurrent loans | 26,752.1739% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,957 |
| Noncurrent loans to loans | 0.0100% | 3,915 |
| Net loans and leases to total assets | 75.4628% | 780 |
| Net loans and leases to deposits | 86.2795% | 949 |
| Net loans and leases to core deposits | 88.3973% | 1,200 |
| Total domestic deposits to total assets | 87.4632% | 2,780 |
| Equity capital to assets | 12.2649% | 804 |
| Core capital (leverage) ratio | 12.9810% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1356% | 833 |
| Memoranda: | ||
| Average total assets | $290,584,667 | 2,532 |
| Average earning assets | $277,691,333 | 2,493 |
| Average equity | $36,439,000 | 2,143 |
| Average total loans | $221,266,000 | 2,101 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 688 |
| Cost of funding earning assets | 0.0757% | 4,396 |
| Net interest margin | 3.9811% | 433 |
| Noninterest income to average assets | 0.9603% | 739 |
| Noninterest expense to average assets | 2.3596% | 2,302 |
| Loan and lease loss provision to assets | 0.0625% | 1,293 |
| Net operating income to assets | 2.3332% | 141 |
| Return on assets (ROA) | 2.3332% | 140 |
| Pretax return on assets | 2.3388% | 220 |
| Return on Equity (ROE) | 18.3990% | 305 |
| Retained earnings to average equity (ytd only) | 9.0844% | 1,246 |
| Net charge-offs to loans | -0.0276% | 4,048 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5622% | 4,334 |
| Assets per employee ($millions) | 5.2690% | 3,526 |
| Cash dividends to net income (ytd only)* | 50.6254% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7840% | 198 |
| Loan loss allowance to noncurrent loans | 1,249.4888% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 2,637 |
| Noncurrent loans to loans | 0.2228% | 2,703 |
| Net loans and leases to total assets | 72.3079% | 806 |
| Net loans and leases to deposits | 82.6010% | 971 |
| Net loans and leases to core deposits | 84.3578% | 1,223 |
| Total domestic deposits to total assets | 87.5387% | 2,732 |
| Equity capital to assets | 12.2715% | 866 |
| Core capital (leverage) ratio | 13.2676% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8876% | 774 |
| Memoranda: | ||
| Average total assets | $287,840,500 | 2,561 |
| Average earning assets | $274,799,000 | 2,522 |
| Average equity | $36,502,000 | 2,195 |
| Average total loans | $217,110,000 | 2,119 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 492 |
| Cost of funding earning assets | 0.0970% | 4,404 |
| Net interest margin | 4.5199% | 258 |
| Noninterest income to average assets | 1.2812% | 649 |
| Noninterest expense to average assets | 2.3787% | 2,558 |
| Loan and lease loss provision to assets | 0.0443% | 2,172 |
| Net operating income to assets | 3.1514% | 91 |
| Return on assets (ROA) | 3.1514% | 93 |
| Pretax return on assets | 3.1566% | 125 |
| Return on Equity (ROE) | 23.8591% | 146 |
| Retained earnings to average equity (ytd only) | 9.0519% | 1,182 |
| Net charge-offs to loans | -0.0771% | 4,502 |
| Credit loss provision to net charge-offs | -75.4717% | 3,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6323% | 4,621 |
| Assets per employee ($millions) | 4.8382% | 3,856 |
| Cash dividends to net income (ytd only)* | 62.0609% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8172% | 183 |
| Loan loss allowance to noncurrent loans | 1,926.7516% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 3,145 |
| Noncurrent loans to loans | 0.1462% | 3,207 |
| Net loans and leases to total assets | 74.3738% | 635 |
| Net loans and leases to deposits | 85.8144% | 794 |
| Net loans and leases to core deposits | 87.9580% | 1,080 |
| Total domestic deposits to total assets | 86.6682% | 2,635 |
| Equity capital to assets | 13.1123% | 867 |
| Core capital (leverage) ratio | 13.0779% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9520% | 762 |
| Memoranda: | ||
| Average total assets | $270,990,800 | 2,594 |
| Average earning assets | $257,704,800 | 2,568 |
| Average equity | $35,793,400 | 2,251 |
| Average total loans | $206,246,800 | 2,195 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 565 |
| Cost of funding earning assets | 0.1007% | 4,500 |
| Net interest margin | 4.5019% | 314 |
| Noninterest income to average assets | 1.3165% | 680 |
| Noninterest expense to average assets | 2.3893% | 2,471 |
| Loan and lease loss provision to assets | 0.0447% | 2,103 |
| Net operating income to assets | 3.1597% | 103 |
| Return on assets (ROA) | 3.1597% | 106 |
| Pretax return on assets | 3.1652% | 151 |
| Return on Equity (ROE) | 23.8766% | 211 |
| Retained earnings to average equity (ytd only) | 11.4975% | 948 |
| Net charge-offs to loans | -0.1058% | 4,634 |
| Credit loss provision to net charge-offs | -55.5556% | 3,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6722% | 4,639 |
| Assets per employee ($millions) | 4.8600% | 3,833 |
| Cash dividends to net income (ytd only)* | 51.8460% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8850% | 173 |
| Loan loss allowance to noncurrent loans | 1,981.5789% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,386 |
| Noncurrent loans to loans | 0.1456% | 3,390 |
| Net loans and leases to total assets | 71.9375% | 881 |
| Net loans and leases to deposits | 83.1781% | 1,015 |
| Net loans and leases to core deposits | 85.3397% | 1,333 |
| Total domestic deposits to total assets | 86.4862% | 2,561 |
| Equity capital to assets | 13.1147% | 952 |
| Core capital (leverage) ratio | 13.3211% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2033% | 783 |
| Memoranda: | ||
| Average total assets | $268,584,750 | 2,631 |
| Average earning assets | $255,499,500 | 2,601 |
| Average equity | $35,543,000 | 2,294 |
| Average total loans | $204,120,000 | 2,243 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 648 |
| Cost of funding earning assets | 0.1101% | 4,509 |
| Net interest margin | 4.4646% | 382 |
| Noninterest income to average assets | 1.3174% | 672 |
| Noninterest expense to average assets | 2.4160% | 2,407 |
| Loan and lease loss provision to assets | 0.0454% | 2,105 |
| Net operating income to assets | 3.0884% | 115 |
| Return on assets (ROA) | 3.0884% | 122 |
| Pretax return on assets | 3.0944% | 173 |
| Return on Equity (ROE) | 23.2634% | 249 |
| Retained earnings to average equity (ytd only) | 10.1460% | 1,356 |
| Net charge-offs to loans | -0.1590% | 4,744 |
| Credit loss provision to net charge-offs | -37.2671% | 2,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4860% | 4,641 |
| Assets per employee ($millions) | 4.9672% | 3,687 |
| Cash dividends to net income (ytd only)* | 56.3864% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7942% | 191 |
| Loan loss allowance to noncurrent loans | 1,581.0026% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,307 |
| Noncurrent loans to loans | 0.1767% | 3,329 |
| Net loans and leases to total assets | 77.7152% | 463 |
| Net loans and leases to deposits | 90.1579% | 645 |
| Net loans and leases to core deposits | 92.2824% | 989 |
| Total domestic deposits to total assets | 86.1991% | 2,666 |
| Equity capital to assets | 13.3174% | 866 |
| Core capital (leverage) ratio | 13.2982% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6040% | 873 |
| Memoranda: | ||
| Average total assets | $264,152,333 | 2,655 |
| Average earning assets | $250,773,667 | 2,629 |
| Average equity | $35,068,000 | 2,309 |
| Average total loans | $202,559,000 | 2,264 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 877 |
| Cost of funding earning assets | 0.1271% | 4,480 |
| Net interest margin | 4.2973% | 519 |
| Noninterest income to average assets | 1.4162% | 668 |
| Noninterest expense to average assets | 2.4035% | 2,479 |
| Loan and lease loss provision to assets | 0.0458% | 2,163 |
| Net operating income to assets | 3.0414% | 149 |
| Return on assets (ROA) | 3.0414% | 165 |
| Pretax return on assets | 3.0414% | 225 |
| Return on Equity (ROE) | 22.9466% | 341 |
| Retained earnings to average equity (ytd only) | 14.8871% | 639 |
| Net charge-offs to loans | -0.3174% | 4,854 |
| Credit loss provision to net charge-offs | -19.2308% | 2,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7743% | 4,593 |
| Assets per employee ($millions) | 4.4461% | 4,153 |
| Cash dividends to net income (ytd only)* | 35.1229% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9411% | 157 |
| Loan loss allowance to noncurrent loans | 1,659.3315% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 3,502 |
| Noncurrent loans to loans | 0.1772% | 3,472 |
| Net loans and leases to total assets | 73.6917% | 842 |
| Net loans and leases to deposits | 89.2727% | 746 |
| Net loans and leases to core deposits | 92.0725% | 1,108 |
| Total domestic deposits to total assets | 82.5467% | 3,790 |
| Equity capital to assets | 13.2462% | 849 |
| Core capital (leverage) ratio | 13.3052% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7075% | 823 |
| Memoranda: | ||
| Average total assets | $262,114,500 | 2,653 |
| Average earning assets | $248,530,000 | 2,624 |
| Average equity | $34,741,500 | 2,316 |
| Average total loans | $196,615,500 | 2,306 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 545 |
| Cost of funding earning assets | 0.2739% | 4,281 |
| Net interest margin | 4.6716% | 229 |
| Noninterest income to average assets | 1.5365% | 518 |
| Noninterest expense to average assets | 2.5494% | 2,697 |
| Loan and lease loss provision to assets | 0.4170% | 725 |
| Net operating income to assets | 2.9765% | 95 |
| Return on assets (ROA) | 2.9765% | 98 |
| Pretax return on assets | 2.9765% | 125 |
| Return on Equity (ROE) | 22.3591% | 152 |
| Retained earnings to average equity (ytd only) | 10.4416% | 507 |
| Net charge-offs to loans | 0.0168% | 2,756 |
| Credit loss provision to net charge-offs | 3,203.1250% | 311 |
| Earnings coverage of net charge-offs (x) | 260.6875% | 384 |
| Efficiency ratio | 42.8982% | 4,819 |
| Assets per employee ($millions) | 4.0229% | 4,357 |
| Cash dividends to net income (ytd only)* | 53.3005% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0264% | 143 |
| Loan loss allowance to noncurrent loans | 929.3076% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,083 |
| Noncurrent loans to loans | 0.3257% | 3,036 |
| Net loans and leases to total assets | 71.8234% | 1,309 |
| Net loans and leases to deposits | 90.2009% | 915 |
| Net loans and leases to core deposits | 92.6369% | 1,327 |
| Total domestic deposits to total assets | 79.6260% | 4,116 |
| Equity capital to assets | 13.2628% | 1,012 |
| Core capital (leverage) ratio | 12.9880% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2277% | 871 |
| Memoranda: | ||
| Average total assets | $245,825,400 | 2,602 |
| Average earning assets | $231,867,000 | 2,590 |
| Average equity | $32,725,000 | 2,347 |
| Average total loans | $190,127,400 | 2,324 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 597 |
| Cost of funding earning assets | 0.3129% | 4,257 |
| Net interest margin | 4.6929% | 260 |
| Noninterest income to average assets | 1.4990% | 521 |
| Noninterest expense to average assets | 2.5610% | 2,659 |
| Loan and lease loss provision to assets | 0.2005% | 1,988 |
| Net operating income to assets | 3.1582% | 80 |
| Return on assets (ROA) | 3.1582% | 83 |
| Pretax return on assets | 3.1582% | 111 |
| Return on Equity (ROE) | 23.7007% | 138 |
| Retained earnings to average equity (ytd only) | 12.7854% | 350 |
| Net charge-offs to loans | 0.0239% | 2,364 |
| Credit loss provision to net charge-offs | 1,073.5294% | 794 |
| Earnings coverage of net charge-offs (x) | 179.9706% | 521 |
| Efficiency ratio | 43.2638% | 4,824 |
| Assets per employee ($millions) | 4.4017% | 3,954 |
| Cash dividends to net income (ytd only)* | 46.0549% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5913% | 205 |
| Loan loss allowance to noncurrent loans | 925.5435% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,396 |
| Noncurrent loans to loans | 0.2800% | 3,287 |
| Net loans and leases to total assets | 72.7205% | 1,555 |
| Net loans and leases to deposits | 90.7851% | 1,186 |
| Net loans and leases to core deposits | 98.3309% | 1,287 |
| Total domestic deposits to total assets | 80.1018% | 3,842 |
| Equity capital to assets | 12.8259% | 1,263 |
| Core capital (leverage) ratio | 12.7668% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0357% | 909 |
| Memoranda: | ||
| Average total assets | $242,915,500 | 2,607 |
| Average earning assets | $228,823,000 | 2,589 |
| Average equity | $32,369,500 | 2,353 |
| Average total loans | $189,986,500 | 2,320 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 702 |
| Cost of funding earning assets | 0.3578% | 4,235 |
| Net interest margin | 4.7317% | 314 |
| Noninterest income to average assets | 1.3958% | 540 |
| Noninterest expense to average assets | 2.6279% | 2,578 |
| Loan and lease loss provision to assets | 0.1018% | 2,992 |
| Net operating income to assets | 3.1180% | 78 |
| Return on assets (ROA) | 3.1180% | 82 |
| Pretax return on assets | 3.1180% | 105 |
| Return on Equity (ROE) | 23.0762% | 142 |
| Retained earnings to average equity (ytd only) | 19.6245% | 94 |
| Net charge-offs to loans | -0.0032% | 3,897 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9391% | 4,778 |
| Assets per employee ($millions) | 4.3227% | 3,980 |
| Cash dividends to net income (ytd only)* | 14.9578% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 215 |
| Loan loss allowance to noncurrent loans | 1,101.3483% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 3,672 |
| Noncurrent loans to loans | 0.2278% | 3,560 |
| Net loans and leases to total assets | 73.4258% | 1,489 |
| Net loans and leases to deposits | 92.0827% | 1,147 |
| Net loans and leases to core deposits | 101.0061% | 1,187 |
| Total domestic deposits to total assets | 79.7389% | 3,889 |
| Equity capital to assets | 13.0673% | 1,139 |
| Core capital (leverage) ratio | 12.9744% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5671% | 964 |
| Memoranda: | ||
| Average total assets | $235,854,333 | 2,633 |
| Average earning assets | $221,908,667 | 2,614 |
| Average equity | $31,868,333 | 2,368 |
| Average total loans | $187,594,333 | 2,328 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 462 |
| Cost of funding earning assets | 0.3951% | 4,381 |
| Net interest margin | 5.0060% | 190 |
| Noninterest income to average assets | 1.2173% | 592 |
| Noninterest expense to average assets | 2.7220% | 2,651 |
| Loan and lease loss provision to assets | 0.1071% | 2,342 |
| Net operating income to assets | 3.0701% | 61 |
| Return on assets (ROA) | 3.0701% | 62 |
| Pretax return on assets | 3.0701% | 85 |
| Return on Equity (ROE) | 22.2968% | 105 |
| Retained earnings to average equity (ytd only) | 15.1670% | 182 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1422% | 4,825 |
| Assets per employee ($millions) | 3.7471% | 4,229 |
| Cash dividends to net income (ytd only)* | 31.9767% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5437% | 228 |
| Loan loss allowance to noncurrent loans | 794.4171% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 3,409 |
| Noncurrent loans to loans | 0.3202% | 3,345 |
| Net loans and leases to total assets | 79.7829% | 721 |
| Net loans and leases to deposits | 99.2652% | 601 |
| Net loans and leases to core deposits | 112.1814% | 745 |
| Total domestic deposits to total assets | 80.3734% | 3,784 |
| Equity capital to assets | 13.5540% | 1,202 |
| Core capital (leverage) ratio | 14.0580% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0017% | 986 |
| Memoranda: | ||
| Average total assets | $224,099,500 | 2,681 |
| Average earning assets | $209,587,500 | 2,667 |
| Average equity | $30,856,500 | 2,410 |
| Average total loans | $183,721,000 | 2,320 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 715 |
| Cost of funding earning assets | 0.3525% | 4,589 |
| Net interest margin | 5.0141% | 264 |
| Noninterest income to average assets | 1.1128% | 767 |
| Noninterest expense to average assets | 2.6851% | 2,928 |
| Loan and lease loss provision to assets | 0.1581% | 1,327 |
| Net operating income to assets | 3.0129% | 78 |
| Return on assets (ROA) | 3.0129% | 80 |
| Pretax return on assets | 3.0129% | 98 |
| Return on Equity (ROE) | 22.1888% | 133 |
| Retained earnings to average equity (ytd only) | 8.9180% | 730 |
| Net charge-offs to loans | 0.0990% | 1,734 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 40.1118% | 1,314 |
| Efficiency ratio | 45.8509% | 4,916 |
| Assets per employee ($millions) | 3.7220% | 4,249 |
| Cash dividends to net income (ytd only)* | 59.8086% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6956% | 173 |
| Loan loss allowance to noncurrent loans | 1,434.8348% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 3,862 |
| Noncurrent loans to loans | 0.1879% | 3,779 |
| Net loans and leases to total assets | 79.8940% | 804 |
| Net loans and leases to deposits | 93.3093% | 1,218 |
| Net loans and leases to core deposits | 105.5042% | 1,142 |
| Total domestic deposits to total assets | 85.6228% | 2,227 |
| Equity capital to assets | 14.0006% | 1,100 |
| Core capital (leverage) ratio | 13.3832% | 1,089 |
| Tier 1 risk-based capital ratio | 17.6868% | 1,842 |
| Total risk-based capital ratio | 18.9558% | 1,791 |
| Memoranda: | ||
| Average total assets | $215,040,200 | 2,708 |
| Average earning assets | $203,425,200 | 2,675 |
| Average equity | $29,199,400 | 2,438 |
| Average total loans | $171,777,000 | 2,401 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 848 |
| Cost of funding earning assets | 0.3448% | 4,675 |
| Net interest margin | 4.9643% | 313 |
| Noninterest income to average assets | 1.0743% | 796 |
| Noninterest expense to average assets | 2.7059% | 2,859 |
| Loan and lease loss provision to assets | 0.1117% | 1,749 |
| Net operating income to assets | 2.9573% | 91 |
| Return on assets (ROA) | 2.9573% | 95 |
| Pretax return on assets | 2.9573% | 122 |
| Return on Equity (ROE) | 21.9504% | 165 |
| Retained earnings to average equity (ytd only) | 13.3131% | 253 |
| Net charge-offs to loans | 0.1236% | 1,273 |
| Credit loss provision to net charge-offs | 113.9241% | 2,036 |
| Earnings coverage of net charge-offs (x) | 31.2977% | 1,586 |
| Efficiency ratio | 46.8565% | 4,899 |
| Assets per employee ($millions) | 3.9622% | 3,954 |
| Cash dividends to net income (ytd only)* | 39.3495% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6270% | 192 |
| Loan loss allowance to noncurrent loans | 1,493.8710% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 4,042 |
| Noncurrent loans to loans | 0.1759% | 3,904 |
| Net loans and leases to total assets | 76.0033% | 1,480 |
| Net loans and leases to deposits | 88.3043% | 1,892 |
| Net loans and leases to core deposits | 97.8593% | 1,836 |
| Total domestic deposits to total assets | 86.0698% | 1,966 |
| Equity capital to assets | 13.5255% | 1,350 |
| Core capital (leverage) ratio | 13.7528% | 1,058 |
| Tier 1 risk-based capital ratio | 18.3525% | 1,722 |
| Total risk-based capital ratio | 19.6219% | 1,688 |
| Memoranda: | ||
| Average total assets | $214,831,250 | 2,730 |
| Average earning assets | $203,418,750 | 2,694 |
| Average equity | $28,943,250 | 2,466 |
| Average total loans | $170,408,750 | 2,438 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 832 |
| Cost of funding earning assets | 0.3409% | 4,710 |
| Net interest margin | 4.9473% | 321 |
| Noninterest income to average assets | 1.0390% | 803 |
| Noninterest expense to average assets | 2.7628% | 2,711 |
| Loan and lease loss provision to assets | 0.1137% | 1,654 |
| Net operating income to assets | 2.8500% | 101 |
| Return on assets (ROA) | 2.8500% | 105 |
| Pretax return on assets | 2.8500% | 148 |
| Return on Equity (ROE) | 21.1837% | 194 |
| Retained earnings to average equity (ytd only) | 11.5035% | 482 |
| Net charge-offs to loans | 0.2351% | 715 |
| Credit loss provision to net charge-offs | 60.6061% | 2,398 |
| Earnings coverage of net charge-offs (x) | 15.8030% | 1,967 |
| Efficiency ratio | 48.2468% | 4,890 |
| Assets per employee ($millions) | 3.6565% | 4,304 |
| Cash dividends to net income (ytd only)* | 45.6962% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6128% | 193 |
| Loan loss allowance to noncurrent loans | 2,696.4286% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,374 |
| Noncurrent loans to loans | 0.0969% | 4,246 |
| Net loans and leases to total assets | 78.2669% | 1,169 |
| Net loans and leases to deposits | 90.9188% | 1,644 |
| Net loans and leases to core deposits | 101.6740% | 1,584 |
| Total domestic deposits to total assets | 86.0843% | 1,982 |
| Equity capital to assets | 13.5680% | 1,292 |
| Core capital (leverage) ratio | 13.7226% | 1,047 |
| Tier 1 risk-based capital ratio | 17.4748% | 1,948 |
| Total risk-based capital ratio | 18.7428% | 1,903 |
| Memoranda: | ||
| Average total assets | $211,159,000 | 2,771 |
| Average earning assets | $200,069,670 | 2,738 |
| Average equity | $28,408,670 | 2,489 |
| Average total loans | $168,450,670 | 2,463 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 891 |
| Cost of funding earning assets | 0.3259% | 4,750 |
| Net interest margin | 4.8849% | 346 |
| Noninterest income to average assets | 0.9805% | 851 |
| Noninterest expense to average assets | 2.8056% | 2,547 |
| Loan and lease loss provision to assets | 0.1149% | 1,534 |
| Net operating income to assets | 2.6811% | 126 |
| Return on assets (ROA) | 2.6811% | 136 |
| Pretax return on assets | 2.6811% | 188 |
| Return on Equity (ROE) | 20.0161% | 265 |
| Retained earnings to average equity (ytd only) | 14.2972% | 331 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0855% | 4,820 |
| Assets per employee ($millions) | 3.4352% | 4,622 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7858% | 167 |
| Loan loss allowance to noncurrent loans | 1,481.9048% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,063 |
| Noncurrent loans to loans | 0.1880% | 3,913 |
| Net loans and leases to total assets | 76.4833% | 1,396 |
| Net loans and leases to deposits | 88.5954% | 1,793 |
| Net loans and leases to core deposits | 99.8602% | 1,635 |
| Total domestic deposits to total assets | 86.3288% | 2,131 |
| Equity capital to assets | 13.3960% | 1,248 |
| Core capital (leverage) ratio | 13.7618% | 1,010 |
| Tier 1 risk-based capital ratio | 17.5094% | 1,938 |
| Total risk-based capital ratio | 18.7793% | 1,884 |
| Memoranda: | ||
| Average total assets | $208,871,000 | 2,821 |
| Average earning assets | $197,588,500 | 2,788 |
| Average equity | $27,977,500 | 2,521 |
| Average total loans | $165,986,500 | 2,505 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 746 |
| Cost of funding earning assets | 0.2455% | 4,826 |
| Net interest margin | 4.9189% | 314 |
| Noninterest income to average assets | 1.1416% | 705 |
| Noninterest expense to average assets | 2.7380% | 2,901 |
| Loan and lease loss provision to assets | 0.0779% | 2,569 |
| Net operating income to assets | 2.9567% | 84 |
| Return on assets (ROA) | 2.9567% | 84 |
| Pretax return on assets | 2.9567% | 101 |
| Return on Equity (ROE) | 22.3353% | 145 |
| Retained earnings to average equity (ytd only) | 8.0547% | 1,210 |
| Net charge-offs to loans | 0.0554% | 2,351 |
| Credit loss provision to net charge-offs | 173.3333% | 1,620 |
| Earnings coverage of net charge-offs (x) | 67.5444% | 953 |
| Efficiency ratio | 47.4317% | 5,066 |
| Assets per employee ($millions) | 3.5304% | 4,513 |
| Cash dividends to net income (ytd only)* | 63.9372% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8027% | 162 |
| Loan loss allowance to noncurrent loans | 948.1481% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 3,650 |
| Noncurrent loans to loans | 0.2956% | 3,504 |
| Net loans and leases to total assets | 78.0432% | 1,265 |
| Net loans and leases to deposits | 90.4830% | 1,733 |
| Net loans and leases to core deposits | 102.7937% | 1,517 |
| Total domestic deposits to total assets | 86.2518% | 2,112 |
| Equity capital to assets | 13.3932% | 1,184 |
| Core capital (leverage) ratio | 13.1509% | 1,191 |
| Tier 1 risk-based capital ratio | 17.5528% | 1,882 |
| Total risk-based capital ratio | 18.8236% | 1,839 |
| Memoranda: | ||
| Average total assets | $200,327,000 | 2,864 |
| Average earning assets | $188,598,000 | 2,842 |
| Average equity | $26,518,600 | 2,539 |
| Average total loans | $162,539,200 | 2,498 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 782 |
| Cost of funding earning assets | 0.2214% | 4,933 |
| Net interest margin | 4.8651% | 333 |
| Noninterest income to average assets | 1.1712% | 687 |
| Noninterest expense to average assets | 2.7815% | 2,696 |
| Loan and lease loss provision to assets | 0.0783% | 2,393 |
| Net operating income to assets | 2.8852% | 90 |
| Return on assets (ROA) | 2.8852% | 89 |
| Pretax return on assets | 2.8852% | 128 |
| Return on Equity (ROE) | 21.8614% | 175 |
| Retained earnings to average equity (ytd only) | 11.5418% | 546 |
| Net charge-offs to loans | -0.0165% | 4,565 |
| Credit loss provision to net charge-offs | -585.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4157% | 5,031 |
| Assets per employee ($millions) | 3.4735% | 4,595 |
| Cash dividends to net income (ytd only)* | 47.2049% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8633% | 158 |
| Loan loss allowance to noncurrent loans | 233.9500% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 1,432 |
| Noncurrent loans to loans | 1.2239% | 1,378 |
| Net loans and leases to total assets | 77.4552% | 1,422 |
| Net loans and leases to deposits | 89.9196% | 1,907 |
| Net loans and leases to core deposits | 102.8076% | 1,540 |
| Total domestic deposits to total assets | 86.1383% | 2,125 |
| Equity capital to assets | 13.4079% | 1,169 |
| Core capital (leverage) ratio | 13.5807% | 1,072 |
| Tier 1 risk-based capital ratio | 17.4947% | 1,932 |
| Total risk-based capital ratio | 18.7657% | 1,883 |
| Memoranda: | ||
| Average total assets | $199,218,500 | 2,896 |
| Average earning assets | $187,288,000 | 2,876 |
| Average equity | $26,292,250 | 2,561 |
| Average total loans | $162,071,500 | 2,515 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 760 |
| Cost of funding earning assets | 0.1975% | 5,042 |
| Net interest margin | 4.8367% | 343 |
| Noninterest income to average assets | 1.1677% | 706 |
| Noninterest expense to average assets | 2.8229% | 2,590 |
| Loan and lease loss provision to assets | 0.0791% | 2,327 |
| Net operating income to assets | 2.8088% | 99 |
| Return on assets (ROA) | 2.8088% | 99 |
| Pretax return on assets | 2.8088% | 142 |
| Return on Equity (ROE) | 21.4002% | 187 |
| Retained earnings to average equity (ytd only) | 9.7231% | 1,004 |
| Net charge-offs to loans | -0.0260% | 4,684 |
| Credit loss provision to net charge-offs | -371.4286% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4320% | 5,053 |
| Assets per employee ($millions) | 3.3604% | 4,759 |
| Cash dividends to net income (ytd only)* | 54.5651% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8068% | 180 |
| Loan loss allowance to noncurrent loans | 233.0989% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0446% | 1,432 |
| Noncurrent loans to loans | 1.2041% | 1,445 |
| Net loans and leases to total assets | 81.0571% | 848 |
| Net loans and leases to deposits | 94.0142% | 1,360 |
| Net loans and leases to core deposits | 106.5576% | 1,203 |
| Total domestic deposits to total assets | 86.2179% | 2,183 |
| Equity capital to assets | 13.3600% | 1,158 |
| Core capital (leverage) ratio | 13.2953% | 1,138 |
| Tier 1 risk-based capital ratio | 16.9542% | 2,116 |
| Total risk-based capital ratio | 18.2253% | 2,052 |
| Memoranda: | ||
| Average total assets | $197,311,670 | 2,930 |
| Average earning assets | $185,331,670 | 2,915 |
| Average equity | $25,897,000 | 2,600 |
| Average total loans | $161,623,670 | 2,532 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 801 |
| Cost of funding earning assets | 0.1775% | 5,126 |
| Net interest margin | 4.7612% | 370 |
| Noninterest income to average assets | 1.1461% | 702 |
| Noninterest expense to average assets | 2.8735% | 2,458 |
| Loan and lease loss provision to assets | 0.0793% | 2,193 |
| Net operating income to assets | 2.6621% | 115 |
| Return on assets (ROA) | 2.6621% | 116 |
| Pretax return on assets | 2.6621% | 170 |
| Return on Equity (ROE) | 20.4676% | 222 |
| Retained earnings to average equity (ytd only) | 11.6087% | 762 |
| Net charge-offs to loans | -0.0501% | 4,963 |
| Credit loss provision to net charge-offs | -195.0000% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1763% | 5,015 |
| Assets per employee ($millions) | 3.5024% | 4,658 |
| Cash dividends to net income (ytd only)* | 43.2824% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8134% | 189 |
| Loan loss allowance to noncurrent loans | 596.1140% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 3,150 |
| Noncurrent loans to loans | 0.4720% | 3,113 |
| Net loans and leases to total assets | 78.2565% | 1,202 |
| Net loans and leases to deposits | 90.0532% | 1,686 |
| Net loans and leases to core deposits | 100.2750% | 1,667 |
| Total domestic deposits to total assets | 86.9002% | 2,167 |
| Equity capital to assets | 12.7783% | 1,348 |
| Core capital (leverage) ratio | 13.3208% | 1,064 |
| Tier 1 risk-based capital ratio | 16.2310% | 2,379 |
| Total risk-based capital ratio | 17.5007% | 2,327 |
| Memoranda: | ||
| Average total assets | $196,835,500 | 2,960 |
| Average earning assets | $184,745,000 | 2,943 |
| Average equity | $25,601,500 | 2,645 |
| Average total loans | $159,761,500 | 2,569 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 829 |
| Cost of funding earning assets | 0.1831% | 5,073 |
| Net interest margin | 4.6999% | 421 |
| Noninterest income to average assets | 1.1234% | 805 |
| Noninterest expense to average assets | 2.8351% | 2,664 |
| Loan and lease loss provision to assets | 0.0585% | 3,063 |
| Net operating income to assets | 2.6360% | 101 |
| Return on assets (ROA) | 2.6360% | 101 |
| Pretax return on assets | 2.6360% | 150 |
| Return on Equity (ROE) | 20.1499% | 190 |
| Retained earnings to average equity (ytd only) | 5.5357% | 1,801 |
| Net charge-offs to loans | 0.0046% | 3,921 |
| Credit loss provision to net charge-offs | 1,585.7143% | 248 |
| Earnings coverage of net charge-offs (x) | 730.8571% | 113 |
| Efficiency ratio | 51.2715% | 5,148 |
| Assets per employee ($millions) | 3.1755% | 5,056 |
| Cash dividends to net income (ytd only)* | 72.5275% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9131% | 157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,909 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.4662% | 1,041 |
| Net loans and leases to deposits | 92.0463% | 1,520 |
| Net loans and leases to core deposits | 102.4086% | 1,528 |
| Total domestic deposits to total assets | 86.3329% | 2,304 |
| Equity capital to assets | 13.2499% | 1,146 |
| Core capital (leverage) ratio | 13.3497% | 1,018 |
| Tier 1 risk-based capital ratio | 16.8459% | 2,143 |
| Total risk-based capital ratio | 18.1178% | 2,080 |
| Memoranda: | ||
| Average total assets | $189,868,800 | 3,020 |
| Average earning assets | $178,005,400 | 2,981 |
| Average equity | $24,838,800 | 2,688 |
| Average total loans | $151,370,400 | 2,639 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8045% | 921 |
| Cost of funding earning assets | 0.1937% | 5,025 |
| Net interest margin | 4.6108% | 478 |
| Noninterest income to average assets | 1.1224% | 805 |
| Noninterest expense to average assets | 2.8486% | 2,568 |
| Loan and lease loss provision to assets | 0.0506% | 3,083 |
| Net operating income to assets | 2.5569% | 127 |
| Return on assets (ROA) | 2.5569% | 128 |
| Pretax return on assets | 2.5569% | 194 |
| Return on Equity (ROE) | 19.6083% | 240 |
| Retained earnings to average equity (ytd only) | 8.3974% | 1,055 |
| Net charge-offs to loans | -0.0035% | 4,397 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2092% | 5,079 |
| Assets per employee ($millions) | 3.1428% | 5,128 |
| Cash dividends to net income (ytd only)* | 57.1741% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9180% | 170 |
| Loan loss allowance to noncurrent loans | 1,355.8559% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 4,118 |
| Noncurrent loans to loans | 0.2152% | 4,205 |
| Net loans and leases to total assets | 79.6610% | 1,036 |
| Net loans and leases to deposits | 92.6424% | 1,471 |
| Net loans and leases to core deposits | 101.4918% | 1,582 |
| Total domestic deposits to total assets | 85.9876% | 2,321 |
| Equity capital to assets | 13.5515% | 1,134 |
| Core capital (leverage) ratio | 13.5645% | 1,005 |
| Tier 1 risk-based capital ratio | 17.1878% | 2,102 |
| Total risk-based capital ratio | 18.4601% | 2,044 |
| Memoranda: | ||
| Average total assets | $189,703,500 | 3,049 |
| Average earning assets | $178,302,250 | 3,004 |
| Average equity | $24,737,250 | 2,712 |
| Average total loans | $150,225,500 | 2,671 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 1,032 |
| Cost of funding earning assets | 0.1946% | 5,033 |
| Net interest margin | 4.5176% | 548 |
| Noninterest income to average assets | 1.1174% | 803 |
| Noninterest expense to average assets | 2.8451% | 2,600 |
| Loan and lease loss provision to assets | 0.0505% | 2,979 |
| Net operating income to assets | 2.4716% | 138 |
| Return on assets (ROA) | 2.4716% | 137 |
| Pretax return on assets | 2.4716% | 224 |
| Return on Equity (ROE) | 19.2029% | 257 |
| Retained earnings to average equity (ytd only) | 7.1040% | 1,543 |
| Net charge-offs to loans | -0.0108% | 4,562 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0092% | 5,094 |
| Assets per employee ($millions) | 2.9205% | 5,332 |
| Cash dividends to net income (ytd only)* | 63.0055% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9702% | 169 |
| Loan loss allowance to noncurrent loans | 1,555.0173% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 4,293 |
| Noncurrent loans to loans | 0.1910% | 4,355 |
| Net loans and leases to total assets | 78.5451% | 1,157 |
| Net loans and leases to deposits | 92.7522% | 1,392 |
| Net loans and leases to core deposits | 101.8771% | 1,519 |
| Total domestic deposits to total assets | 84.6827% | 2,944 |
| Equity capital to assets | 13.3089% | 1,229 |
| Core capital (leverage) ratio | 13.0685% | 1,151 |
| Tier 1 risk-based capital ratio | 16.7136% | 2,231 |
| Total risk-based capital ratio | 17.9857% | 2,184 |
| Memoranda: | ||
| Average total assets | $190,081,670 | 3,058 |
| Average earning assets | $178,811,670 | 3,017 |
| Average equity | $24,465,000 | 2,737 |
| Average total loans | $148,723,670 | 2,691 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,106 |
| Cost of funding earning assets | 0.1932% | 5,034 |
| Net interest margin | 4.4203% | 617 |
| Noninterest income to average assets | 1.0873% | 841 |
| Noninterest expense to average assets | 2.8341% | 2,671 |
| Loan and lease loss provision to assets | 0.0501% | 2,804 |
| Net operating income to assets | 2.3562% | 174 |
| Return on assets (ROA) | 2.3562% | 176 |
| Pretax return on assets | 2.3562% | 271 |
| Return on Equity (ROE) | 18.6154% | 301 |
| Retained earnings to average equity (ytd only) | 10.7010% | 661 |
| Net charge-offs to loans | -0.0271% | 4,884 |
| Credit loss provision to net charge-offs | -240.0000% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0820% | 5,119 |
| Assets per employee ($millions) | 3.1617% | 5,210 |
| Cash dividends to net income (ytd only)* | 42.5155% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0027% | 177 |
| Loan loss allowance to noncurrent loans | 805.7658% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 3,807 |
| Noncurrent loans to loans | 0.3726% | 3,759 |
| Net loans and leases to total assets | 74.9039% | 1,598 |
| Net loans and leases to deposits | 87.7527% | 1,832 |
| Net loans and leases to core deposits | 95.4408% | 1,859 |
| Total domestic deposits to total assets | 85.3580% | 2,937 |
| Equity capital to assets | 12.7671% | 1,371 |
| Core capital (leverage) ratio | 12.8883% | 1,190 |
| Tier 1 risk-based capital ratio | 16.9849% | 2,185 |
| Total risk-based capital ratio | 18.2575% | 2,133 |
| Memoranda: | ||
| Average total assets | $191,666,000 | 3,078 |
| Average earning assets | $180,078,500 | 3,035 |
| Average equity | $24,259,500 | 2,768 |
| Average total loans | $147,433,000 | 2,726 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,102 |
| Cost of funding earning assets | 0.1819% | 5,195 |
| Net interest margin | 4.4965% | 630 |
| Noninterest income to average assets | 1.1995% | 792 |
| Noninterest expense to average assets | 2.9963% | 2,367 |
| Loan and lease loss provision to assets | 0.1110% | 2,213 |
| Net operating income to assets | 2.3016% | 197 |
| Return on assets (ROA) | 2.3043% | 208 |
| Pretax return on assets | 2.3043% | 273 |
| Return on Equity (ROE) | 17.8758% | 335 |
| Retained earnings to average equity (ytd only) | 5.2159% | 2,194 |
| Net charge-offs to loans | -0.0014% | 4,680 |
| Credit loss provision to net charge-offs | -10,200.0000% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3958% | 5,119 |
| Assets per employee ($millions) | 3.1745% | 5,186 |
| Cash dividends to net income (ytd only)* | 70.8215% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0411% | 169 |
| Loan loss allowance to noncurrent loans | 2,026.4840% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 4,604 |
| Noncurrent loans to loans | 0.1501% | 4,638 |
| Net loans and leases to total assets | 74.2872% | 1,795 |
| Net loans and leases to deposits | 86.9320% | 2,057 |
| Net loans and leases to core deposits | 94.6391% | 2,045 |
| Total domestic deposits to total assets | 85.4543% | 2,855 |
| Equity capital to assets | 12.5459% | 1,494 |
| Core capital (leverage) ratio | 12.6337% | 1,286 |
| Tier 1 risk-based capital ratio | 16.6637% | 2,284 |
| Total risk-based capital ratio | 17.9362% | 2,218 |
| Memoranda: | ||
| Average total assets | $183,827,800 | 3,125 |
| Average earning assets | $172,088,600 | 3,089 |
| Average equity | $23,696,800 | 2,823 |
| Average total loans | $139,229,400 | 2,790 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 1,125 |
| Cost of funding earning assets | 0.1806% | 5,259 |
| Net interest margin | 4.4931% | 645 |
| Noninterest income to average assets | 1.2047% | 789 |
| Noninterest expense to average assets | 3.0433% | 2,193 |
| Loan and lease loss provision to assets | 0.1120% | 2,056 |
| Net operating income to assets | 2.2550% | 222 |
| Return on assets (ROA) | 2.2587% | 235 |
| Pretax return on assets | 2.2587% | 335 |
| Return on Equity (ROE) | 17.3999% | 403 |
| Retained earnings to average equity (ytd only) | 8.7732% | 889 |
| Net charge-offs to loans | 0.0058% | 3,705 |
| Credit loss provision to net charge-offs | 2,550.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 538.9863% | 168 |
| Efficiency ratio | 56.2500% | 5,038 |
| Assets per employee ($millions) | 2.9410% | 5,435 |
| Cash dividends to net income (ytd only)* | 49.5788% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0160% | 182 |
| Loan loss allowance to noncurrent loans | 999.7717% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 4,196 |
| Noncurrent loans to loans | 0.3017% | 4,169 |
| Net loans and leases to total assets | 76.0002% | 1,522 |
| Net loans and leases to deposits | 89.6853% | 1,799 |
| Net loans and leases to core deposits | 97.0656% | 1,899 |
| Total domestic deposits to total assets | 84.7410% | 2,919 |
| Equity capital to assets | 13.1541% | 1,413 |
| Core capital (leverage) ratio | 13.0165% | 1,190 |
| Tier 1 risk-based capital ratio | 17.2256% | 2,156 |
| Total risk-based capital ratio | 18.4983% | 2,109 |
| Memoranda: | ||
| Average total assets | $182,167,500 | 3,152 |
| Average earning assets | $170,507,750 | 3,117 |
| Average equity | $23,647,000 | 2,850 |
| Average total loans | $137,553,750 | 2,817 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,276 |
| Cost of funding earning assets | 0.1809% | 5,311 |
| Net interest margin | 4.4153% | 741 |
| Noninterest income to average assets | 1.1230% | 889 |
| Noninterest expense to average assets | 3.0321% | 2,248 |
| Loan and lease loss provision to assets | 0.1126% | 1,997 |
| Net operating income to assets | 2.1024% | 277 |
| Return on assets (ROA) | 2.1024% | 295 |
| Pretax return on assets | 2.1024% | 468 |
| Return on Equity (ROE) | 16.2698% | 505 |
| Retained earnings to average equity (ytd only) | 8.1093% | 1,141 |
| Net charge-offs to loans | -0.0044% | 4,495 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7862% | 4,929 |
| Assets per employee ($millions) | 2.8482% | 5,577 |
| Cash dividends to net income (ytd only)* | 50.1576% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1016% | 174 |
| Loan loss allowance to noncurrent loans | 5,163.0952% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 5,026 |
| Noncurrent loans to loans | 0.0601% | 5,206 |
| Net loans and leases to total assets | 73.1893% | 1,984 |
| Net loans and leases to deposits | 86.0691% | 2,248 |
| Net loans and leases to core deposits | 91.7429% | 2,367 |
| Total domestic deposits to total assets | 85.0355% | 2,862 |
| Equity capital to assets | 12.8730% | 1,575 |
| Core capital (leverage) ratio | 12.9157% | 1,188 |
| Tier 1 risk-based capital ratio | 17.0977% | 2,176 |
| Total risk-based capital ratio | 18.3710% | 2,136 |
| Memoranda: | ||
| Average total assets | $181,129,670 | 3,187 |
| Average earning assets | $169,185,330 | 3,151 |
| Average equity | $23,405,330 | 2,881 |
| Average total loans | $135,007,330 | 2,854 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 1,307 |
| Cost of funding earning assets | 0.1843% | 5,335 |
| Net interest margin | 4.3989% | 744 |
| Noninterest income to average assets | 1.0763% | 933 |
| Noninterest expense to average assets | 3.0860% | 2,134 |
| Loan and lease loss provision to assets | 0.1139% | 1,837 |
| Net operating income to assets | 1.9807% | 347 |
| Return on assets (ROA) | 1.9807% | 366 |
| Pretax return on assets | 1.9807% | 594 |
| Return on Equity (ROE) | 15.2984% | 626 |
| Retained earnings to average equity (ytd only) | 13.0562% | 388 |
| Net charge-offs to loans | -0.0784% | 5,542 |
| Credit loss provision to net charge-offs | -196.1538% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5690% | 4,802 |
| Assets per employee ($millions) | 2.9210% | 5,584 |
| Cash dividends to net income (ytd only)* | 14.6561% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2151% | 180 |
| Loan loss allowance to noncurrent loans | 1,006.7757% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 4,090 |
| Noncurrent loans to loans | 0.3194% | 4,286 |
| Net loans and leases to total assets | 71.6239% | 2,096 |
| Net loans and leases to deposits | 84.3722% | 2,267 |
| Net loans and leases to core deposits | 91.1258% | 2,264 |
| Total domestic deposits to total assets | 84.8904% | 3,168 |
| Equity capital to assets | 13.0252% | 1,393 |
| Core capital (leverage) ratio | 13.1423% | 1,108 |
| Tier 1 risk-based capital ratio | 17.5092% | 2,120 |
| Total risk-based capital ratio | 18.7835% | 2,081 |
| Memoranda: | ||
| Average total assets | $179,129,000 | 3,212 |
| Average earning assets | $167,134,000 | 3,185 |
| Average equity | $23,192,000 | 2,903 |
| Average total loans | $132,594,500 | 2,893 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 898 |
| Cost of funding earning assets | 0.1902% | 5,364 |
| Net interest margin | 4.6263% | 516 |
| Noninterest income to average assets | 1.1960% | 839 |
| Noninterest expense to average assets | 3.1498% | 2,090 |
| Loan and lease loss provision to assets | 0.3108% | 537 |
| Net operating income to assets | 2.0387% | 326 |
| Return on assets (ROA) | 2.0387% | 334 |
| Pretax return on assets | 2.0387% | 502 |
| Return on Equity (ROE) | 15.1821% | 659 |
| Retained earnings to average equity (ytd only) | 2.7580% | 4,110 |
| Net charge-offs to loans | 0.6684% | 358 |
| Credit loss provision to net charge-offs | 60.2286% | 3,267 |
| Earnings coverage of net charge-offs (x) | 4.5531% | 3,532 |
| Efficiency ratio | 57.2761% | 5,228 |
| Assets per employee ($millions) | 2.8120% | 5,692 |
| Cash dividends to net income (ytd only)* | 81.8340% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2264% | 171 |
| Loan loss allowance to noncurrent loans | 8,464.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 4,929 |
| Noncurrent loans to loans | 0.0381% | 5,366 |
| Net loans and leases to total assets | 71.6519% | 2,120 |
| Net loans and leases to deposits | 84.3904% | 2,320 |
| Net loans and leases to core deposits | 91.0111% | 2,315 |
| Total domestic deposits to total assets | 84.9053% | 3,136 |
| Equity capital to assets | 12.8673% | 1,423 |
| Core capital (leverage) ratio | 12.9161% | 1,177 |
| Tier 1 risk-based capital ratio | 17.2926% | 2,183 |
| Total risk-based capital ratio | 18.5672% | 2,133 |
| Memoranda: | ||
| Average total assets | $169,568,800 | 3,311 |
| Average earning assets | $157,729,200 | 3,284 |
| Average equity | $22,770,200 | 2,899 |
| Average total loans | $130,917,800 | 2,875 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 840 |
| Cost of funding earning assets | 0.1923% | 5,443 |
| Net interest margin | 4.6658% | 480 |
| Noninterest income to average assets | 1.1848% | 864 |
| Noninterest expense to average assets | 3.1998% | 1,964 |
| Loan and lease loss provision to assets | 0.1074% | 2,087 |
| Net operating income to assets | 2.2194% | 252 |
| Return on assets (ROA) | 2.2194% | 263 |
| Pretax return on assets | 2.2194% | 394 |
| Return on Equity (ROE) | 16.3470% | 553 |
| Retained earnings to average equity (ytd only) | 6.2202% | 2,105 |
| Net charge-offs to loans | 0.1926% | 1,329 |
| Credit loss provision to net charge-offs | 71.4286% | 2,733 |
| Earnings coverage of net charge-offs (x) | 15.4817% | 2,179 |
| Efficiency ratio | 57.8993% | 5,131 |
| Assets per employee ($millions) | 2.6732% | 5,853 |
| Cash dividends to net income (ytd only)* | 61.9492% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3877% | 166 |
| Loan loss allowance to noncurrent loans | 157.8654% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.8615% | 1,128 |
| Noncurrent loans to loans | 2.1459% | 1,042 |
| Net loans and leases to total assets | 76.6430% | 1,298 |
| Net loans and leases to deposits | 91.5524% | 1,459 |
| Net loans and leases to core deposits | 99.3320% | 1,571 |
| Total domestic deposits to total assets | 83.7149% | 3,533 |
| Equity capital to assets | 13.8333% | 1,090 |
| Core capital (leverage) ratio | 13.4561% | 1,033 |
| Tier 1 risk-based capital ratio | 18.3190% | 1,947 |
| Total risk-based capital ratio | 19.5980% | 1,901 |
| Memoranda: | ||
| Average total assets | $167,672,250 | 3,371 |
| Average earning assets | $156,023,500 | 3,344 |
| Average equity | $22,764,000 | 2,920 |
| Average total loans | $130,855,500 | 2,891 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 875 |
| Cost of funding earning assets | 0.1912% | 5,518 |
| Net interest margin | 4.6191% | 517 |
| Noninterest income to average assets | 1.2244% | 810 |
| Noninterest expense to average assets | 3.2014% | 1,980 |
| Loan and lease loss provision to assets | 0.1075% | 2,037 |
| Net operating income to assets | 2.2147% | 247 |
| Return on assets (ROA) | 2.1920% | 276 |
| Pretax return on assets | 2.1920% | 420 |
| Return on Equity (ROE) | 16.2488% | 584 |
| Retained earnings to average equity (ytd only) | 5.3661% | 2,628 |
| Net charge-offs to loans | 0.2155% | 1,183 |
| Credit loss provision to net charge-offs | 64.2857% | 2,549 |
| Earnings coverage of net charge-offs (x) | 13.8857% | 2,098 |
| Efficiency ratio | 57.9585% | 5,224 |
| Assets per employee ($millions) | 2.7184% | 5,898 |
| Cash dividends to net income (ytd only)* | 66.9755% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4850% | 164 |
| Loan loss allowance to noncurrent loans | 210.7957% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 1.4113% | 1,779 |
| Noncurrent loans to loans | 1.6533% | 1,582 |
| Net loans and leases to total assets | 73.2531% | 1,780 |
| Net loans and leases to deposits | 86.8795% | 1,956 |
| Net loans and leases to core deposits | 93.8240% | 1,974 |
| Total domestic deposits to total assets | 84.3158% | 3,440 |
| Equity capital to assets | 13.3142% | 1,257 |
| Core capital (leverage) ratio | 13.1029% | 1,133 |
| Tier 1 risk-based capital ratio | 17.4217% | 2,246 |
| Total risk-based capital ratio | 18.6994% | 2,192 |
| Memoranda: | ||
| Average total assets | $167,425,670 | 3,396 |
| Average earning assets | $155,832,000 | 3,367 |
| Average equity | $22,586,330 | 2,946 |
| Average total loans | $129,940,000 | 2,912 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 948 |
| Cost of funding earning assets | 0.1925% | 5,574 |
| Net interest margin | 4.5567% | 544 |
| Noninterest income to average assets | 1.2157% | 765 |
| Noninterest expense to average assets | 3.2578% | 1,824 |
| Loan and lease loss provision to assets | 0.1088% | 1,890 |
| Net operating income to assets | 2.0833% | 286 |
| Return on assets (ROA) | 2.0833% | 308 |
| Pretax return on assets | 2.0833% | 498 |
| Return on Equity (ROE) | 15.3391% | 662 |
| Retained earnings to average equity (ytd only) | 7.7051% | 1,683 |
| Net charge-offs to loans | 0.4095% | 593 |
| Credit loss provision to net charge-offs | 33.8346% | 2,238 |
| Earnings coverage of net charge-offs (x) | 6.8195% | 2,243 |
| Efficiency ratio | 59.7783% | 5,120 |
| Assets per employee ($millions) | 2.5684% | 6,064 |
| Cash dividends to net income (ytd only)* | 49.7680% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4394% | 190 |
| Loan loss allowance to noncurrent loans | 155.0570% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 1,409 |
| Noncurrent loans to loans | 2.2182% | 1,137 |
| Net loans and leases to total assets | 75.5391% | 1,277 |
| Net loans and leases to deposits | 89.9085% | 1,405 |
| Net loans and leases to core deposits | 98.3736% | 1,445 |
| Total domestic deposits to total assets | 84.0178% | 3,810 |
| Equity capital to assets | 13.5982% | 1,131 |
| Core capital (leverage) ratio | 13.4961% | 974 |
| Tier 1 risk-based capital ratio | 18.9317% | 1,891 |
| Total risk-based capital ratio | 20.2122% | 1,842 |
| Memoranda: | ||
| Average total assets | $165,508,000 | 3,434 |
| Average earning assets | $153,796,000 | 3,407 |
| Average equity | $22,478,500 | 2,972 |
| Average total loans | $129,918,000 | 2,913 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8516% | 1,013 |
| Cost of funding earning assets | 0.2192% | 5,599 |
| Net interest margin | 4.6324% | 586 |
| Noninterest income to average assets | 1.2793% | 742 |
| Noninterest expense to average assets | 3.1716% | 2,286 |
| Loan and lease loss provision to assets | 0.1106% | 2,318 |
| Net operating income to assets | 2.2540% | 201 |
| Return on assets (ROA) | 2.2553% | 204 |
| Pretax return on assets | 2.2553% | 289 |
| Return on Equity (ROE) | 16.6656% | 534 |
| Retained earnings to average equity (ytd only) | 3.6172% | 3,645 |
| Net charge-offs to loans | 0.0673% | 3,519 |
| Credit loss provision to net charge-offs | 216.8675% | 1,145 |
| Earnings coverage of net charge-offs (x) | 46.3855% | 980 |
| Efficiency ratio | 57.2887% | 5,535 |
| Assets per employee ($millions) | 2.6043% | 6,100 |
| Cash dividends to net income (ytd only)* | 78.2952% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5440% | 179 |
| Loan loss allowance to noncurrent loans | 207.7098% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 2,087 |
| Noncurrent loans to loans | 1.7062% | 1,712 |
| Net loans and leases to total assets | 75.9764% | 1,271 |
| Net loans and leases to deposits | 90.5843% | 1,454 |
| Net loans and leases to core deposits | 100.8993% | 1,328 |
| Total domestic deposits to total assets | 83.8738% | 3,777 |
| Equity capital to assets | 13.5645% | 1,129 |
| Core capital (leverage) ratio | 13.4895% | 973 |
| Tier 1 risk-based capital ratio | 17.1077% | 2,472 |
| Total risk-based capital ratio | 18.3866% | 2,420 |
| Memoranda: | ||
| Average total assets | $162,819,600 | 3,451 |
| Average earning assets | $149,620,600 | 3,447 |
| Average equity | $22,033,400 | 2,943 |
| Average total loans | $123,289,600 | 2,982 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 1,080 |
| Cost of funding earning assets | 0.2247% | 5,632 |
| Net interest margin | 4.5891% | 632 |
| Noninterest income to average assets | 1.2857% | 737 |
| Noninterest expense to average assets | 3.2031% | 2,167 |
| Loan and lease loss provision to assets | 0.1108% | 2,198 |
| Net operating income to assets | 2.1783% | 250 |
| Return on assets (ROA) | 2.1783% | 254 |
| Pretax return on assets | 2.1783% | 383 |
| Return on Equity (ROE) | 16.1066% | 665 |
| Retained earnings to average equity (ytd only) | 5.3385% | 2,862 |
| Net charge-offs to loans | 0.0525% | 3,464 |
| Credit loss provision to net charge-offs | 281.2500% | 954 |
| Earnings coverage of net charge-offs (x) | 58.1236% | 883 |
| Efficiency ratio | 58.3209% | 5,403 |
| Assets per employee ($millions) | 2.6679% | 6,104 |
| Cash dividends to net income (ytd only)* | 66.8551% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6239% | 210 |
| Loan loss allowance to noncurrent loans | 497.8214% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 3,695 |
| Noncurrent loans to loans | 0.7279% | 3,781 |
| Net loans and leases to total assets | 75.9261% | 1,233 |
| Net loans and leases to deposits | 91.1394% | 1,306 |
| Net loans and leases to core deposits | 99.5707% | 1,408 |
| Total domestic deposits to total assets | 83.3077% | 4,028 |
| Equity capital to assets | 14.0110% | 1,001 |
| Core capital (leverage) ratio | 13.7364% | 916 |
| Tier 1 risk-based capital ratio | 17.7964% | 2,274 |
| Total risk-based capital ratio | 19.0762% | 2,226 |
| Memoranda: | ||
| Average total assets | $162,507,500 | 3,484 |
| Average earning assets | $148,959,500 | 3,488 |
| Average equity | $21,978,000 | 2,954 |
| Average total loans | $121,803,750 | 3,025 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,211 |
| Cost of funding earning assets | 0.2304% | 5,657 |
| Net interest margin | 4.5057% | 698 |
| Noninterest income to average assets | 1.2442% | 756 |
| Noninterest expense to average assets | 3.2048% | 2,181 |
| Loan and lease loss provision to assets | 0.1102% | 2,184 |
| Net operating income to assets | 2.0488% | 302 |
| Return on assets (ROA) | 2.0488% | 318 |
| Pretax return on assets | 2.0488% | 490 |
| Return on Equity (ROE) | 15.3289% | 746 |
| Retained earnings to average equity (ytd only) | 3.8758% | 3,714 |
| Net charge-offs to loans | 0.0083% | 4,113 |
| Credit loss provision to net charge-offs | 1,800.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 352.6000% | 195 |
| Efficiency ratio | 59.7489% | 5,327 |
| Assets per employee ($millions) | 2.5993% | 6,208 |
| Cash dividends to net income (ytd only)* | 74.7161% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7285% | 209 |
| Loan loss allowance to noncurrent loans | 572.4311% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 4,028 |
| Noncurrent loans to loans | 0.6513% | 4,076 |
| Net loans and leases to total assets | 70.9020% | 1,929 |
| Net loans and leases to deposits | 85.1316% | 1,913 |
| Net loans and leases to core deposits | 92.2348% | 1,925 |
| Total domestic deposits to total assets | 83.2851% | 4,194 |
| Equity capital to assets | 13.2368% | 1,251 |
| Core capital (leverage) ratio | 13.4483% | 990 |
| Tier 1 risk-based capital ratio | 17.7395% | 2,334 |
| Total risk-based capital ratio | 19.0204% | 2,289 |
| Memoranda: | ||
| Average total assets | $163,318,670 | 3,486 |
| Average earning assets | $149,323,000 | 3,494 |
| Average equity | $21,828,000 | 2,970 |
| Average total loans | $120,369,000 | 3,052 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 1,293 |
| Cost of funding earning assets | 0.2402% | 5,672 |
| Net interest margin | 4.4452% | 732 |
| Noninterest income to average assets | 1.1941% | 777 |
| Noninterest expense to average assets | 3.2138% | 2,186 |
| Loan and lease loss provision to assets | 0.1112% | 2,088 |
| Net operating income to assets | 1.9407% | 373 |
| Return on assets (ROA) | 1.9407% | 392 |
| Pretax return on assets | 1.9407% | 600 |
| Return on Equity (ROE) | 14.4487% | 869 |
| Retained earnings to average equity (ytd only) | 7.0863% | 1,995 |
| Net charge-offs to loans | 0.0805% | 2,348 |
| Credit loss provision to net charge-offs | 187.5000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 34.5833% | 964 |
| Efficiency ratio | 61.0329% | 5,263 |
| Assets per employee ($millions) | 2.6617% | 6,240 |
| Cash dividends to net income (ytd only)* | 50.9554% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8026% | 217 |
| Loan loss allowance to noncurrent loans | 599.7337% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 4,252 |
| Noncurrent loans to loans | 0.6340% | 4,275 |
| Net loans and leases to total assets | 70.1771% | 1,859 |
| Net loans and leases to deposits | 83.7407% | 1,848 |
| Net loans and leases to core deposits | 90.9454% | 1,832 |
| Total domestic deposits to total assets | 83.8029% | 4,343 |
| Equity capital to assets | 13.5149% | 1,090 |
| Core capital (leverage) ratio | 13.1823% | 1,094 |
| Tier 1 risk-based capital ratio | 18.6970% | 2,062 |
| Total risk-based capital ratio | 19.9795% | 2,009 |
| Memoranda: | ||
| Average total assets | $161,800,500 | 3,535 |
| Average earning assets | $148,204,000 | 3,537 |
| Average equity | $21,732,000 | 2,967 |
| Average total loans | $119,295,000 | 3,086 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 1,128 |
| Cost of funding earning assets | 0.2863% | 5,700 |
| Net interest margin | 4.5954% | 618 |
| Noninterest income to average assets | 1.4962% | 630 |
| Noninterest expense to average assets | 3.2045% | 2,402 |
| Loan and lease loss provision to assets | 0.4728% | 598 |
| Net operating income to assets | 2.0451% | 315 |
| Return on assets (ROA) | 2.0451% | 316 |
| Pretax return on assets | 2.0451% | 433 |
| Return on Equity (ROE) | 15.3611% | 703 |
| Retained earnings to average equity (ytd only) | 3.4074% | 3,810 |
| Net charge-offs to loans | 0.6206% | 1,059 |
| Credit loss provision to net charge-offs | 102.2727% | 2,364 |
| Earnings coverage of net charge-offs (x) | 5.4465% | 3,296 |
| Efficiency ratio | 55.9996% | 5,947 |
| Assets per employee ($millions) | 2.6433% | 6,279 |
| Cash dividends to net income (ytd only)* | 77.8181% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7313% | 238 |
| Loan loss allowance to noncurrent loans | 711.5873% | 700 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 2,999 |
| Noncurrent loans to loans | 0.5244% | 4,680 |
| Net loans and leases to total assets | 71.7333% | 1,727 |
| Net loans and leases to deposits | 85.4850% | 1,754 |
| Net loans and leases to core deposits | 93.3782% | 1,644 |
| Total domestic deposits to total assets | 83.9133% | 4,200 |
| Equity capital to assets | 13.3473% | 1,123 |
| Core capital (leverage) ratio | 13.1056% | 1,104 |
| Tier 1 risk-based capital ratio | 18.0058% | 2,247 |
| Total risk-based capital ratio | 19.2875% | 2,204 |
| Memoranda: | ||
| Average total assets | $161,805,000 | 3,531 |
| Average earning assets | $148,799,400 | 3,528 |
| Average equity | $21,541,400 | 2,978 |
| Average total loans | $120,519,200 | 3,027 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 1,139 |
| Cost of funding earning assets | 0.2999% | 5,740 |
| Net interest margin | 4.5927% | 627 |
| Noninterest income to average assets | 1.5206% | 627 |
| Noninterest expense to average assets | 3.2191% | 2,306 |
| Loan and lease loss provision to assets | 0.2552% | 1,395 |
| Net operating income to assets | 2.2698% | 229 |
| Return on assets (ROA) | 2.2698% | 238 |
| Pretax return on assets | 2.2698% | 342 |
| Return on Equity (ROE) | 17.0604% | 534 |
| Retained earnings to average equity (ytd only) | 7.3142% | 1,728 |
| Net charge-offs to loans | 0.8213% | 714 |
| Credit loss provision to net charge-offs | 41.7227% | 3,670 |
| Earnings coverage of net charge-offs (x) | 4.1279% | 3,533 |
| Efficiency ratio | 56.0413% | 5,894 |
| Assets per employee ($millions) | 2.7266% | 6,242 |
| Cash dividends to net income (ytd only)* | 57.1274% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3102% | 408 |
| Loan loss allowance to noncurrent loans | 126.1890% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 2.0104% | 2,003 |
| Noncurrent loans to loans | 2.6232% | 1,616 |
| Net loans and leases to total assets | 73.2301% | 1,412 |
| Net loans and leases to deposits | 87.8209% | 1,388 |
| Net loans and leases to core deposits | 96.9524% | 1,322 |
| Total domestic deposits to total assets | 83.3857% | 4,421 |
| Equity capital to assets | 13.6964% | 1,053 |
| Core capital (leverage) ratio | 13.1700% | 1,140 |
| Tier 1 risk-based capital ratio | 18.2701% | 2,220 |
| Total risk-based capital ratio | 19.5464% | 2,179 |
| Memoranda: | ||
| Average total assets | $161,946,500 | 3,565 |
| Average earning assets | $148,928,000 | 3,554 |
| Average equity | $21,546,500 | 3,012 |
| Average total loans | $120,612,750 | 3,048 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 1,159 |
| Cost of funding earning assets | 0.3183% | 5,680 |
| Net interest margin | 4.5564% | 639 |
| Noninterest income to average assets | 1.6339% | 603 |
| Noninterest expense to average assets | 3.2087% | 2,335 |
| Loan and lease loss provision to assets | 0.2711% | 1,359 |
| Net operating income to assets | 2.3523% | 204 |
| Return on assets (ROA) | 2.3523% | 215 |
| Pretax return on assets | 2.3523% | 327 |
| Return on Equity (ROE) | 17.8542% | 469 |
| Retained earnings to average equity (ytd only) | 4.9943% | 3,059 |
| Net charge-offs to loans | 0.0466% | 4,030 |
| Credit loss provision to net charge-offs | 785.7143% | 384 |
| Earnings coverage of net charge-offs (x) | 76.0357% | 598 |
| Efficiency ratio | 55.0180% | 6,059 |
| Assets per employee ($millions) | 2.7544% | 6,215 |
| Cash dividends to net income (ytd only)* | 72.0272% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8333% | 293 |
| Loan loss allowance to noncurrent loans | 995.2991% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 5,111 |
| Noncurrent loans to loans | 0.3851% | 5,309 |
| Net loans and leases to total assets | 71.9085% | 1,590 |
| Net loans and leases to deposits | 85.5181% | 1,623 |
| Net loans and leases to core deposits | 95.9685% | 1,363 |
| Total domestic deposits to total assets | 84.0857% | 4,284 |
| Equity capital to assets | 13.1477% | 1,283 |
| Core capital (leverage) ratio | 12.9016% | 1,202 |
| Tier 1 risk-based capital ratio | 17.2847% | 2,595 |
| Total risk-based capital ratio | 18.5670% | 2,556 |
| Memoranda: | ||
| Average total assets | $162,306,330 | 3,577 |
| Average earning assets | $149,547,330 | 3,563 |
| Average equity | $21,384,330 | 3,052 |
| Average total loans | $120,205,000 | 3,068 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 1,187 |
| Cost of funding earning assets | 0.3379% | 5,655 |
| Net interest margin | 4.5193% | 658 |
| Noninterest income to average assets | 1.6547% | 568 |
| Noninterest expense to average assets | 3.2132% | 2,312 |
| Loan and lease loss provision to assets | 0.3206% | 1,051 |
| Net operating income to assets | 2.2761% | 206 |
| Return on assets (ROA) | 2.2761% | 234 |
| Pretax return on assets | 2.2761% | 366 |
| Return on Equity (ROE) | 17.2576% | 494 |
| Retained earnings to average equity (ytd only) | 10.2461% | 1,046 |
| Net charge-offs to loans | 0.2041% | 2,195 |
| Credit loss provision to net charge-offs | 213.1148% | 1,039 |
| Earnings coverage of net charge-offs (x) | 17.2623% | 1,328 |
| Efficiency ratio | 55.3056% | 6,127 |
| Assets per employee ($millions) | 2.8495% | 6,216 |
| Cash dividends to net income (ytd only)* | 40.6284% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8162% | 330 |
| Loan loss allowance to noncurrent loans | 808.3779% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 4,862 |
| Noncurrent loans to loans | 0.4721% | 5,242 |
| Net loans and leases to total assets | 70.3720% | 1,601 |
| Net loans and leases to deposits | 83.8224% | 1,617 |
| Net loans and leases to core deposits | 93.1351% | 1,405 |
| Total domestic deposits to total assets | 83.9537% | 4,497 |
| Equity capital to assets | 13.3342% | 1,279 |
| Core capital (leverage) ratio | 13.0073% | 1,109 |
| Tier 1 risk-based capital ratio | 17.9459% | 2,389 |
| Total risk-based capital ratio | 19.2286% | 2,340 |
| Memoranda: | ||
| Average total assets | $162,205,500 | 3,612 |
| Average earning assets | $149,137,500 | 3,610 |
| Average equity | $21,393,500 | 3,094 |
| Average total loans | $119,550,000 | 3,093 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 850 |
| Cost of funding earning assets | 0.5043% | 5,188 |
| Net interest margin | 4.8346% | 512 |
| Noninterest income to average assets | 1.9371% | 456 |
| Noninterest expense to average assets | 3.3635% | 2,143 |
| Loan and lease loss provision to assets | 1.1068% | 341 |
| Net operating income to assets | 1.8586% | 459 |
| Return on assets (ROA) | 1.8586% | 512 |
| Pretax return on assets | 1.8592% | 810 |
| Return on Equity (ROE) | 14.4032% | 918 |
| Retained earnings to average equity (ytd only) | 2.4245% | 4,528 |
| Net charge-offs to loans | 0.7440% | 1,578 |
| Credit loss provision to net charge-offs | 199.5541% | 1,306 |
| Earnings coverage of net charge-offs (x) | 5.3478% | 3,065 |
| Efficiency ratio | 53.1406% | 6,363 |
| Assets per employee ($millions) | 2.6555% | 6,475 |
| Cash dividends to net income (ytd only)* | 83.1670% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7135% | 354 |
| Loan loss allowance to noncurrent loans | 516.3006% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 4,596 |
| Noncurrent loans to loans | 0.7193% | 4,742 |
| Net loans and leases to total assets | 71.4860% | 1,574 |
| Net loans and leases to deposits | 87.3967% | 1,344 |
| Net loans and leases to core deposits | 97.6786% | 1,168 |
| Total domestic deposits to total assets | 81.7948% | 5,166 |
| Equity capital to assets | 13.0436% | 1,425 |
| Core capital (leverage) ratio | 12.5299% | 1,309 |
| Tier 1 risk-based capital ratio | 17.1303% | 2,592 |
| Total risk-based capital ratio | 18.4112% | 2,552 |
| Memoranda: | ||
| Average total assets | $161,734,600 | 3,592 |
| Average earning assets | $146,939,600 | 3,607 |
| Average equity | $20,870,400 | 3,099 |
| Average total loans | $120,570,600 | 3,060 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3963% | 843 |
| Cost of funding earning assets | 0.5352% | 5,211 |
| Net interest margin | 4.8611% | 513 |
| Noninterest income to average assets | 1.9281% | 440 |
| Noninterest expense to average assets | 3.4530% | 1,878 |
| Loan and lease loss provision to assets | 0.6804% | 758 |
| Net operating income to assets | 2.1986% | 280 |
| Return on assets (ROA) | 2.1986% | 316 |
| Pretax return on assets | 2.1995% | 479 |
| Return on Equity (ROE) | 17.0846% | 601 |
| Retained earnings to average equity (ytd only) | 1.0638% | 5,744 |
| Net charge-offs to loans | 0.4376% | 2,349 |
| Credit loss provision to net charge-offs | 208.3333% | 1,323 |
| Earnings coverage of net charge-offs (x) | 8.8181% | 2,393 |
| Efficiency ratio | 54.5253% | 6,200 |
| Assets per employee ($millions) | 2.5992% | 6,602 |
| Cash dividends to net income (ytd only)* | 93.7734% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2684% | 565 |
| Loan loss allowance to noncurrent loans | 247.0370% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4461% | 3,439 |
| Noncurrent loans to loans | 1.3230% | 3,825 |
| Net loans and leases to total assets | 72.3331% | 1,494 |
| Net loans and leases to deposits | 88.1581% | 1,329 |
| Net loans and leases to core deposits | 98.2644% | 1,246 |
| Total domestic deposits to total assets | 82.0492% | 5,003 |
| Equity capital to assets | 12.7574% | 1,735 |
| Core capital (leverage) ratio | 12.5416% | 1,387 |
| Tier 1 risk-based capital ratio | 16.6435% | 2,922 |
| Total risk-based capital ratio | 17.9185% | 2,874 |
| Memoranda: | ||
| Average total assets | $161,671,500 | 3,621 |
| Average earning assets | $146,492,000 | 3,650 |
| Average equity | $20,805,750 | 3,137 |
| Average total loans | $120,647,250 | 3,103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5025% | 719 |
| Cost of funding earning assets | 0.5838% | 5,039 |
| Net interest margin | 4.9187% | 452 |
| Noninterest income to average assets | 1.7990% | 480 |
| Noninterest expense to average assets | 3.4750% | 1,843 |
| Loan and lease loss provision to assets | 0.5653% | 1,080 |
| Net operating income to assets | 2.1854% | 287 |
| Return on assets (ROA) | 2.1854% | 326 |
| Pretax return on assets | 2.1866% | 493 |
| Return on Equity (ROE) | 16.9316% | 646 |
| Retained earnings to average equity (ytd only) | -3.0417% | 6,468 |
| Net charge-offs to loans | 0.4382% | 2,290 |
| Credit loss provision to net charge-offs | 173.0038% | 1,626 |
| Earnings coverage of net charge-offs (x) | 8.4221% | 2,298 |
| Efficiency ratio | 55.8061% | 6,138 |
| Assets per employee ($millions) | 2.4939% | 6,772 |
| Cash dividends to net income (ytd only)* | 117.9648% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1414% | 683 |
| Loan loss allowance to noncurrent loans | 419.2650% | 864 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 4,154 |
| Noncurrent loans to loans | 0.7493% | 5,011 |
| Net loans and leases to total assets | 71.6136% | 1,626 |
| Net loans and leases to deposits | 89.1331% | 1,242 |
| Net loans and leases to core deposits | 98.5952% | 1,208 |
| Total domestic deposits to total assets | 80.3445% | 5,650 |
| Equity capital to assets | 12.5773% | 1,767 |
| Core capital (leverage) ratio | 12.0516% | 1,579 |
| Tier 1 risk-based capital ratio | 16.3064% | 3,000 |
| Total risk-based capital ratio | 17.5793% | 2,971 |
| Memoranda: | ||
| Average total assets | $160,979,330 | 3,643 |
| Average earning assets | $144,915,000 | 3,695 |
| Average equity | $20,777,670 | 3,130 |
| Average total loans | $120,047,670 | 3,134 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 686 |
| Cost of funding earning assets | 0.5997% | 5,133 |
| Net interest margin | 4.9548% | 430 |
| Noninterest income to average assets | 1.6881% | 523 |
| Noninterest expense to average assets | 3.4959% | 1,772 |
| Loan and lease loss provision to assets | 0.5112% | 1,180 |
| Net operating income to assets | 2.1494% | 318 |
| Return on assets (ROA) | 2.1494% | 371 |
| Pretax return on assets | 2.1519% | 580 |
| Return on Equity (ROE) | 16.4406% | 749 |
| Retained earnings to average equity (ytd only) | 11.6724% | 883 |
| Net charge-offs to loans | 0.6825% | 1,452 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 5.2098% | 2,417 |
| Efficiency ratio | 56.7611% | 6,051 |
| Assets per employee ($millions) | 2.5065% | 6,843 |
| Cash dividends to net income (ytd only)* | 29.0023% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9718% | 857 |
| Loan loss allowance to noncurrent loans | 335.8083% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 4,125 |
| Noncurrent loans to loans | 0.8850% | 4,900 |
| Net loans and leases to total assets | 71.6030% | 1,470 |
| Net loans and leases to deposits | 89.6348% | 994 |
| Net loans and leases to core deposits | 98.0031% | 1,125 |
| Total domestic deposits to total assets | 79.8830% | 5,881 |
| Equity capital to assets | 13.0866% | 1,403 |
| Core capital (leverage) ratio | 12.7286% | 1,228 |
| Tier 1 risk-based capital ratio | 16.9031% | 2,717 |
| Total risk-based capital ratio | 18.1737% | 2,666 |
| Memoranda: | ||
| Average total assets | $160,418,000 | 3,674 |
| Average earning assets | $144,747,500 | 3,723 |
| Average equity | $20,972,500 | 3,110 |
| Average total loans | $120,145,500 | 3,153 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 719 |
| Cost of funding earning assets | 0.7357% | 5,309 |
| Net interest margin | 5.0038% | 413 |
| Noninterest income to average assets | 1.6224% | 519 |
| Noninterest expense to average assets | 3.2783% | 2,593 |
| Loan and lease loss provision to assets | 0.7964% | 1,241 |
| Net operating income to assets | 2.0946% | 267 |
| Return on assets (ROA) | 2.0952% | 285 |
| Pretax return on assets | 2.0964% | 444 |
| Return on Equity (ROE) | 16.5853% | 525 |
| Retained earnings to average equity (ytd only) | 5.0031% | 2,638 |
| Net charge-offs to loans | 1.3123% | 1,260 |
| Credit loss provision to net charge-offs | 81.7121% | 4,378 |
| Earnings coverage of net charge-offs (x) | 2.9676% | 3,722 |
| Efficiency ratio | 53.1292% | 6,600 |
| Assets per employee ($millions) | 2.5888% | 6,735 |
| Cash dividends to net income (ytd only)* | 69.8341% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9760% | 831 |
| Loan loss allowance to noncurrent loans | 347.2303% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 4,624 |
| Noncurrent loans to loans | 0.8571% | 4,976 |
| Net loans and leases to total assets | 73.7667% | 1,314 |
| Net loans and leases to deposits | 93.5459% | 846 |
| Net loans and leases to core deposits | 102.9974% | 964 |
| Total domestic deposits to total assets | 78.8562% | 6,023 |
| Equity capital to assets | 13.0603% | 1,459 |
| Core capital (leverage) ratio | 12.5119% | 1,347 |
| Tier 1 risk-based capital ratio | 16.3741% | 2,876 |
| Total risk-based capital ratio | 17.6453% | 2,836 |
| Memoranda: | ||
| Average total assets | $158,220,000 | 3,651 |
| Average earning assets | $143,811,400 | 3,679 |
| Average equity | $19,987,600 | 3,150 |
| Average total loans | $117,503,400 | 3,228 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7449% | 781 |
| Cost of funding earning assets | 0.7607% | 5,396 |
| Net interest margin | 4.9842% | 428 |
| Noninterest income to average assets | 1.6138% | 508 |
| Noninterest expense to average assets | 3.2950% | 2,513 |
| Loan and lease loss provision to assets | 0.6107% | 1,614 |
| Net operating income to assets | 2.2320% | 245 |
| Return on assets (ROA) | 2.2320% | 262 |
| Pretax return on assets | 2.2337% | 405 |
| Return on Equity (ROE) | 17.8190% | 473 |
| Retained earnings to average equity (ytd only) | 2.2526% | 5,002 |
| Net charge-offs to loans | 0.4666% | 2,871 |
| Credit loss provision to net charge-offs | 177.2616% | 1,679 |
| Earnings coverage of net charge-offs (x) | 8.2567% | 2,209 |
| Efficiency ratio | 53.6699% | 6,527 |
| Assets per employee ($millions) | 2.6325% | 6,740 |
| Cash dividends to net income (ytd only)* | 87.3584% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5101% | 558 |
| Loan loss allowance to noncurrent loans | 129.3734% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 2.3824% | 2,697 |
| Noncurrent loans to loans | 2.7132% | 2,581 |
| Net loans and leases to total assets | 72.5914% | 1,589 |
| Net loans and leases to deposits | 91.0091% | 1,107 |
| Net loans and leases to core deposits | 100.0410% | 1,243 |
| Total domestic deposits to total assets | 79.7628% | 5,808 |
| Equity capital to assets | 12.6859% | 1,797 |
| Core capital (leverage) ratio | 12.1103% | 1,644 |
| Tier 1 risk-based capital ratio | 15.7794% | 3,231 |
| Total risk-based capital ratio | 17.0558% | 3,173 |
| Memoranda: | ||
| Average total assets | $158,296,500 | 3,682 |
| Average earning assets | $143,729,500 | 3,708 |
| Average equity | $19,828,500 | 3,175 |
| Average total loans | $116,864,000 | 3,267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7221% | 842 |
| Cost of funding earning assets | 0.8040% | 5,341 |
| Net interest margin | 4.9181% | 466 |
| Noninterest income to average assets | 1.4456% | 611 |
| Noninterest expense to average assets | 3.2826% | 2,627 |
| Loan and lease loss provision to assets | 0.3156% | 2,905 |
| Net operating income to assets | 2.3243% | 212 |
| Return on assets (ROA) | 2.3268% | 226 |
| Pretax return on assets | 2.3294% | 331 |
| Return on Equity (ROE) | 18.6548% | 409 |
| Retained earnings to average equity (ytd only) | 6.8627% | 1,940 |
| Net charge-offs to loans | 0.1566% | 4,246 |
| Credit loss provision to net charge-offs | 274.7253% | 1,108 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,103 |
| Efficiency ratio | 55.4017% | 6,473 |
| Assets per employee ($millions) | 2.5893% | 6,805 |
| Cash dividends to net income (ytd only)* | 63.2122% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4284% | 630 |
| Loan loss allowance to noncurrent loans | 837.9958% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 5,589 |
| Noncurrent loans to loans | 0.4091% | 6,084 |
| Net loans and leases to total assets | 71.5839% | 1,864 |
| Net loans and leases to deposits | 89.8876% | 1,280 |
| Net loans and leases to core deposits | 99.8225% | 1,357 |
| Total domestic deposits to total assets | 79.6371% | 5,915 |
| Equity capital to assets | 12.8212% | 1,614 |
| Core capital (leverage) ratio | 12.2274% | 1,490 |
| Tier 1 risk-based capital ratio | 16.3164% | 2,825 |
| Total risk-based capital ratio | 17.5923% | 2,780 |
| Memoranda: | ||
| Average total assets | $158,413,000 | 3,706 |
| Average earning assets | $144,282,330 | 3,722 |
| Average equity | $19,759,000 | 3,161 |
| Average total loans | $116,209,670 | 3,313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 920 |
| Cost of funding earning assets | 0.8293% | 5,398 |
| Net interest margin | 4.8512% | 514 |
| Noninterest income to average assets | 1.4195% | 636 |
| Noninterest expense to average assets | 3.3055% | 2,542 |
| Loan and lease loss provision to assets | 0.3076% | 2,707 |
| Net operating income to assets | 2.2264% | 250 |
| Return on assets (ROA) | 2.2289% | 263 |
| Pretax return on assets | 2.2339% | 375 |
| Return on Equity (ROE) | 18.1213% | 471 |
| Retained earnings to average equity (ytd only) | 9.9216% | 1,135 |
| Net charge-offs to loans | -0.1589% | 7,211 |
| Credit loss provision to net charge-offs | -265.2174% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5574% | 6,438 |
| Assets per employee ($millions) | 2.5434% | 6,922 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4724% | 621 |
| Loan loss allowance to noncurrent loans | 381.7837% | 818 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,696 |
| Noncurrent loans to loans | 0.9095% | 5,223 |
| Net loans and leases to total assets | 70.9366% | 1,944 |
| Net loans and leases to deposits | 88.7899% | 1,375 |
| Net loans and leases to core deposits | 99.9000% | 1,348 |
| Total domestic deposits to total assets | 79.8926% | 5,973 |
| Equity capital to assets | 12.5377% | 1,610 |
| Core capital (leverage) ratio | 11.9936% | 1,574 |
| Tier 1 risk-based capital ratio | 16.3674% | 2,725 |
| Total risk-based capital ratio | 17.6435% | 2,682 |
| Memoranda: | ||
| Average total assets | $158,645,000 | 3,734 |
| Average earning assets | $144,707,500 | 3,737 |
| Average equity | $19,513,000 | 3,186 |
| Average total loans | $115,774,500 | 3,346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8502% | 1,149 |
| Cost of funding earning assets | 1.0139% | 5,621 |
| Net interest margin | 4.8363% | 626 |
| Noninterest income to average assets | 1.6338% | 546 |
| Noninterest expense to average assets | 3.1928% | 3,122 |
| Loan and lease loss provision to assets | 0.7155% | 2,291 |
| Net operating income to assets | 2.1417% | 216 |
| Return on assets (ROA) | 2.1448% | 227 |
| Pretax return on assets | 2.1466% | 361 |
| Return on Equity (ROE) | 17.4110% | 439 |
| Retained earnings to average equity (ytd only) | -1.7846% | 5,933 |
| Net charge-offs to loans | 0.7110% | 2,878 |
| Credit loss provision to net charge-offs | 133.0691% | 2,947 |
| Earnings coverage of net charge-offs (x) | 5.3171% | 2,661 |
| Efficiency ratio | 52.7571% | 6,924 |
| Assets per employee ($millions) | 2.5741% | 6,896 |
| Cash dividends to net income (ytd only)* | 110.2499% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3330% | 664 |
| Loan loss allowance to noncurrent loans | 370.6731% | 838 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 4,933 |
| Noncurrent loans to loans | 0.8992% | 5,261 |
| Net loans and leases to total assets | 70.0565% | 2,522 |
| Net loans and leases to deposits | 88.6999% | 1,694 |
| Net loans and leases to core deposits | 101.3341% | 1,508 |
| Total domestic deposits to total assets | 78.9814% | 6,084 |
| Equity capital to assets | 12.0648% | 1,878 |
| Core capital (leverage) ratio | 11.6071% | 1,777 |
| Tier 1 risk-based capital ratio | 15.6583% | 2,925 |
| Total risk-based capital ratio | 16.9322% | 2,865 |
| Memoranda: | ||
| Average total assets | $164,213,400 | 3,629 |
| Average earning assets | $150,010,800 | 3,632 |
| Average equity | $20,228,600 | 3,119 |
| Average total loans | $124,188,800 | 3,230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 1,349 |
| Cost of funding earning assets | 1.0390% | 5,748 |
| Net interest margin | 4.7774% | 706 |
| Noninterest income to average assets | 1.5521% | 580 |
| Noninterest expense to average assets | 3.2621% | 2,696 |
| Loan and lease loss provision to assets | 0.5563% | 2,723 |
| Net operating income to assets | 2.0947% | 288 |
| Return on assets (ROA) | 2.0987% | 306 |
| Pretax return on assets | 2.1011% | 497 |
| Return on Equity (ROE) | 16.9528% | 592 |
| Retained earnings to average equity (ytd only) | 5.0148% | 2,982 |
| Net charge-offs to loans | 0.3082% | 4,112 |
| Credit loss provision to net charge-offs | 236.3014% | 1,429 |
| Earnings coverage of net charge-offs (x) | 11.2707% | 1,811 |
| Efficiency ratio | 55.1452% | 6,664 |
| Assets per employee ($millions) | 2.6472% | 6,853 |
| Cash dividends to net income (ytd only)* | 70.4188% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1858% | 707 |
| Loan loss allowance to noncurrent loans | 189.8849% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 4,185 |
| Noncurrent loans to loans | 1.6778% | 4,125 |
| Net loans and leases to total assets | 74.5414% | 1,679 |
| Net loans and leases to deposits | 95.3630% | 1,058 |
| Net loans and leases to core deposits | 110.6331% | 1,002 |
| Total domestic deposits to total assets | 78.1660% | 6,227 |
| Equity capital to assets | 12.8671% | 1,647 |
| Core capital (leverage) ratio | 12.1901% | 1,565 |
| Tier 1 risk-based capital ratio | 15.8506% | 2,837 |
| Total risk-based capital ratio | 17.1235% | 2,770 |
| Memoranda: | ||
| Average total assets | $165,367,500 | 3,662 |
| Average earning assets | $151,041,000 | 3,668 |
| Average equity | $20,472,000 | 3,127 |
| Average total loans | $126,320,250 | 3,245 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8041% | 1,417 |
| Cost of funding earning assets | 1.0585% | 5,879 |
| Net interest margin | 4.7456% | 729 |
| Noninterest income to average assets | 1.5228% | 555 |
| Noninterest expense to average assets | 3.2557% | 2,708 |
| Loan and lease loss provision to assets | 0.4200% | 3,219 |
| Net operating income to assets | 2.1745% | 245 |
| Return on assets (ROA) | 2.1805% | 266 |
| Pretax return on assets | 2.1841% | 419 |
| Return on Equity (ROE) | 17.8400% | 475 |
| Retained earnings to average equity (ytd only) | 7.4030% | 1,674 |
| Net charge-offs to loans | 0.0142% | 6,143 |
| Credit loss provision to net charge-offs | 3,888.8889% | 98 |
| Earnings coverage of net charge-offs (x) | 240.5556% | 138 |
| Efficiency ratio | 55.6171% | 6,688 |
| Assets per employee ($millions) | 2.7103% | 6,768 |
| Cash dividends to net income (ytd only)* | 58.5030% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0881% | 768 |
| Loan loss allowance to noncurrent loans | 210.1777% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 1.5732% | 4,100 |
| Noncurrent loans to loans | 1.4693% | 4,504 |
| Net loans and leases to total assets | 74.0841% | 1,891 |
| Net loans and leases to deposits | 94.0846% | 1,262 |
| Net loans and leases to core deposits | 111.4950% | 1,061 |
| Total domestic deposits to total assets | 78.7420% | 6,106 |
| Equity capital to assets | 12.5324% | 1,776 |
| Core capital (leverage) ratio | 12.2038% | 1,537 |
| Tier 1 risk-based capital ratio | 15.4651% | 2,911 |
| Total risk-based capital ratio | 16.7365% | 2,865 |
| Memoranda: | ||
| Average total assets | $166,662,670 | 3,660 |
| Average earning assets | $152,099,330 | 3,668 |
| Average equity | $20,370,000 | 3,129 |
| Average total loans | $126,983,000 | 3,261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 1,807 |
| Cost of funding earning assets | 1.1058% | 5,877 |
| Net interest margin | 4.5881% | 975 |
| Noninterest income to average assets | 1.4415% | 578 |
| Noninterest expense to average assets | 3.2893% | 2,560 |
| Loan and lease loss provision to assets | 0.3586% | 3,222 |
| Net operating income to assets | 1.9722% | 362 |
| Return on assets (ROA) | 1.9841% | 389 |
| Pretax return on assets | 1.9913% | 615 |
| Return on Equity (ROE) | 16.4397% | 662 |
| Retained earnings to average equity (ytd only) | 7.0314% | 2,118 |
| Net charge-offs to loans | -0.4588% | 7,789 |
| Credit loss provision to net charge-offs | -102.7397% | 6,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4537% | 6,419 |
| Assets per employee ($millions) | 2.7023% | 6,864 |
| Cash dividends to net income (ytd only)* | 57.2289% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0226% | 804 |
| Loan loss allowance to noncurrent loans | 88.8326% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 2.9368% | 2,442 |
| Noncurrent loans to loans | 3.4026% | 2,350 |
| Net loans and leases to total assets | 75.0907% | 1,726 |
| Net loans and leases to deposits | 95.1898% | 1,203 |
| Net loans and leases to core deposits | 111.7904% | 1,176 |
| Total domestic deposits to total assets | 78.8852% | 6,103 |
| Equity capital to assets | 12.3488% | 1,845 |
| Core capital (leverage) ratio | 11.8573% | 1,719 |
| Tier 1 risk-based capital ratio | 15.1457% | 3,047 |
| Total risk-based capital ratio | 16.4184% | 2,989 |
| Memoranda: | ||
| Average total assets | $167,328,500 | 3,708 |
| Average earning assets | $152,656,500 | 3,712 |
| Average equity | $20,195,000 | 3,177 |
| Average total loans | $127,281,000 | 3,325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7915% | 2,692 |
| Cost of funding earning assets | 1.3460% | 6,159 |
| Net interest margin | 4.4455% | 1,303 |
| Noninterest income to average assets | 1.8554% | 432 |
| Noninterest expense to average assets | 3.2154% | 3,328 |
| Loan and lease loss provision to assets | 0.7776% | 2,787 |
| Net operating income to assets | 1.9337% | 267 |
| Return on assets (ROA) | 1.9504% | 264 |
| Pretax return on assets | 1.9504% | 447 |
| Return on Equity (ROE) | 17.4356% | 414 |
| Retained earnings to average equity (ytd only) | 6.9310% | 987 |
| Net charge-offs to loans | 0.5415% | 3,625 |
| Credit loss provision to net charge-offs | 196.5066% | 2,010 |
| Earnings coverage of net charge-offs (x) | 6.8515% | 2,275 |
| Efficiency ratio | 54.2521% | 7,205 |
| Assets per employee ($millions) | 2.7839% | 6,682 |
| Cash dividends to net income (ytd only)* | 60.2481% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8064% | 928 |
| Loan loss allowance to noncurrent loans | 91.0066% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 2.5981% | 2,700 |
| Noncurrent loans to loans | 3.0838% | 2,485 |
| Net loans and leases to total assets | 72.6443% | 2,595 |
| Net loans and leases to deposits | 93.4256% | 1,674 |
| Net loans and leases to core deposits | 120.7788% | 1,897 |
| Total domestic deposits to total assets | 77.7564% | 6,282 |
| Equity capital to assets | 11.7975% | 2,141 |
| Core capital (leverage) ratio | 11.3127% | 2,029 |
| Tier 1 risk-based capital ratio | 14.6692% | 3,122 |
| Total risk-based capital ratio | 15.9374% | 3,067 |
| Memoranda: | ||
| Average total assets | $173,602,600 | 3,545 |
| Average earning assets | $158,990,600 | 3,536 |
| Average equity | $19,420,000 | 3,289 |
| Average total loans | $126,879,800 | 3,335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7724% | 3,015 |
| Cost of funding earning assets | 1.4100% | 6,192 |
| Net interest margin | 4.3625% | 1,553 |
| Noninterest income to average assets | 1.9845% | 377 |
| Noninterest expense to average assets | 3.3281% | 2,816 |
| Loan and lease loss provision to assets | 0.5347% | 3,244 |
| Net operating income to assets | 2.1205% | 226 |
| Return on assets (ROA) | 2.1426% | 236 |
| Pretax return on assets | 2.1426% | 406 |
| Return on Equity (ROE) | 19.4115% | 345 |
| Retained earnings to average equity (ytd only) | 7.7161% | 1,227 |
| Net charge-offs to loans | 0.6274% | 2,797 |
| Credit loss provision to net charge-offs | 117.2529% | 4,341 |
| Earnings coverage of net charge-offs (x) | 5.8224% | 2,726 |
| Efficiency ratio | 55.6236% | 7,055 |
| Assets per employee ($millions) | 2.8827% | 6,452 |
| Cash dividends to net income (ytd only)* | 60.2496% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 1,246 |
| Loan loss allowance to noncurrent loans | 91.7787% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.2867% | 2,997 |
| Noncurrent loans to loans | 2.5524% | 2,959 |
| Net loans and leases to total assets | 72.3815% | 2,938 |
| Net loans and leases to deposits | 92.6613% | 2,119 |
| Net loans and leases to core deposits | 123.8730% | 1,910 |
| Total domestic deposits to total assets | 78.1140% | 6,051 |
| Equity capital to assets | 11.4749% | 2,607 |
| Core capital (leverage) ratio | 11.0633% | 2,364 |
| Tier 1 risk-based capital ratio | 14.3203% | 3,371 |
| Total risk-based capital ratio | 15.5828% | 3,310 |
| Memoranda: | ||
| Average total assets | $174,549,500 | 3,541 |
| Average earning assets | $159,997,500 | 3,551 |
| Average equity | $19,266,500 | 3,347 |
| Average total loans | $126,869,000 | 3,364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7867% | 3,115 |
| Cost of funding earning assets | 1.4834% | 6,203 |
| Net interest margin | 4.3034% | 1,647 |
| Noninterest income to average assets | 2.2081% | 321 |
| Noninterest expense to average assets | 3.3859% | 2,671 |
| Loan and lease loss provision to assets | 0.5712% | 2,726 |
| Net operating income to assets | 2.2047% | 192 |
| Return on assets (ROA) | 2.2150% | 209 |
| Pretax return on assets | 2.2150% | 351 |
| Return on Equity (ROE) | 20.3324% | 318 |
| Retained earnings to average equity (ytd only) | 8.3574% | 1,103 |
| Net charge-offs to loans | 0.7546% | 2,175 |
| Credit loss provision to net charge-offs | 104.8218% | 4,387 |
| Earnings coverage of net charge-offs (x) | 5.0943% | 2,918 |
| Efficiency ratio | 54.9499% | 7,232 |
| Assets per employee ($millions) | 2.7624% | 6,713 |
| Cash dividends to net income (ytd only)* | 58.8963% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3745% | 1,019 |
| Loan loss allowance to noncurrent loans | 87.2537% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 2.4846% | 2,596 |
| Noncurrent loans to loans | 2.7214% | 2,644 |
| Net loans and leases to total assets | 72.5074% | 3,087 |
| Net loans and leases to deposits | 93.6424% | 2,148 |
| Net loans and leases to core deposits | 125.3165% | 1,924 |
| Total domestic deposits to total assets | 77.4301% | 6,223 |
| Equity capital to assets | 11.6620% | 2,412 |
| Core capital (leverage) ratio | 10.8137% | 2,557 |
| Tier 1 risk-based capital ratio | 14.4584% | 3,274 |
| Total risk-based capital ratio | 15.7112% | 3,213 |
| Memoranda: | ||
| Average total assets | $175,079,330 | 3,552 |
| Average earning assets | $160,850,670 | 3,546 |
| Average equity | $19,073,000 | 3,377 |
| Average total loans | $126,427,330 | 3,412 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8087% | 3,251 |
| Cost of funding earning assets | 1.5134% | 6,365 |
| Net interest margin | 4.2953% | 1,619 |
| Noninterest income to average assets | 1.9717% | 374 |
| Noninterest expense to average assets | 3.2512% | 2,792 |
| Loan and lease loss provision to assets | 0.3338% | 3,320 |
| Net operating income to assets | 2.3277% | 179 |
| Return on assets (ROA) | 2.3366% | 208 |
| Pretax return on assets | 2.3366% | 340 |
| Return on Equity (ROE) | 22.1694% | 299 |
| Retained earnings to average equity (ytd only) | 15.3075% | 382 |
| Net charge-offs to loans | 0.9618% | 1,391 |
| Credit loss provision to net charge-offs | 48.7013% | 4,705 |
| Earnings coverage of net charge-offs (x) | 3.8831% | 3,034 |
| Efficiency ratio | 54.9868% | 7,104 |
| Assets per employee ($millions) | 2.9391% | 6,322 |
| Cash dividends to net income (ytd only)* | 30.9524% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1787% | 1,104 |
| Loan loss allowance to noncurrent loans | 159.2334% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 4,037 |
| Noncurrent loans to loans | 1.3683% | 4,267 |
| Net loans and leases to total assets | 66.4883% | 4,469 |
| Net loans and leases to deposits | 83.2500% | 4,099 |
| Net loans and leases to core deposits | 107.8672% | 3,701 |
| Total domestic deposits to total assets | 79.8657% | 5,414 |
| Equity capital to assets | 10.4282% | 3,534 |
| Core capital (leverage) ratio | 10.6658% | 2,772 |
| Tier 1 risk-based capital ratio | 14.1997% | 3,476 |
| Total risk-based capital ratio | 15.4603% | 3,403 |
| Memoranda: | ||
| Average total assets | $179,747,500 | 3,508 |
| Average earning assets | $164,924,000 | 3,491 |
| Average equity | $18,945,000 | 3,422 |
| Average total loans | $128,091,500 | 3,412 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0073% | 1,117 |
| Cost of funding earning assets | 1.9723% | 6,502 |
| Net interest margin | 5.0349% | 469 |
| Noninterest income to average assets | 1.6276% | 524 |
| Noninterest expense to average assets | 3.1175% | 3,636 |
| Loan and lease loss provision to assets | 0.4018% | 3,273 |
| Net operating income to assets | 2.4459% | 141 |
| Return on assets (ROA) | 2.4480% | 140 |
| Pretax return on assets | 2.7079% | 135 |
| Return on Equity (ROE) | 23.1508% | 203 |
| Retained earnings to average equity (ytd only) | 10.6141% | 373 |
| Net charge-offs to loans | 0.5726% | 2,101 |
| Credit loss provision to net charge-offs | 89.9058% | 5,684 |
| Earnings coverage of net charge-offs (x) | 6.9529% | 3,225 |
| Efficiency ratio | 50.0821% | 7,659 |
| Assets per employee ($millions) | 2.6820% | 6,821 |
| Cash dividends to net income (ytd only)* | 54.1523% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2251% | 924 |
| Loan loss allowance to noncurrent loans | 142.5762% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 3,386 |
| Noncurrent loans to loans | 1.5607% | 3,450 |
| Net loans and leases to total assets | 73.0957% | 3,336 |
| Net loans and leases to deposits | 94.9850% | 2,614 |
| Net loans and leases to core deposits | 124.1391% | 2,315 |
| Total domestic deposits to total assets | 76.9550% | 6,005 |
| Equity capital to assets | 10.6583% | 3,330 |
| Core capital (leverage) ratio | 10.5374% | 2,948 |
| Tier 1 risk-based capital ratio | 13.6895% | 3,702 |
| Total risk-based capital ratio | 14.9513% | 3,617 |
| Memoranda: | ||
| Average total assets | $166,257,000 | 3,609 |
| Average earning assets | $151,799,400 | 3,618 |
| Average equity | $17,580,400 | 3,631 |
| Average total loans | $129,751,200 | 3,274 |