Home > Cypress Bank, SSB > Performance and Condition Ratios
Cypress Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 1,057 |
| Cost of funding earning assets | 1.7926% | 1,260 |
| Net interest margin | 3.7867% | 1,584 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 3.2389% | 790 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6469% | 3,315 |
| Return on assets (ROA) | 0.6469% | 3,296 |
| Pretax return on assets | 0.7409% | 3,356 |
| Return on Equity (ROE) | 6.2500% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.6229% | 3,083 |
| Net charge-offs to loans | 0.0528% | 1,343 |
| Credit loss provision to net charge-offs | 110.1266% | 1,756 |
| Earnings coverage of net charge-offs (x) | 22.2532% | 1,818 |
| Efficiency ratio | 80.6024% | 879 |
| Assets per employee ($millions) | 3.8425% | 4,213 |
| Cash dividends to net income (ytd only)* | 42.0151% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,201 |
| Loan loss allowance to noncurrent loans | 874.1379% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,058 |
| Noncurrent loans to loans | 0.1169% | 2,937 |
| Net loans and leases to total assets | 62.8600% | 2,588 |
| Net loans and leases to deposits | 78.4228% | 2,230 |
| Net loans and leases to core deposits | 91.9091% | 1,907 |
| Total domestic deposits to total assets | 80.1500% | 3,436 |
| Equity capital to assets | 10.2662% | 1,865 |
| Core capital (leverage) ratio | 11.1059% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7388% | 818 |
| Memoranda: | ||
| Average total assets | $225,537,600 | 2,812 |
| Average earning assets | $210,421,800 | 2,803 |
| Average equity | $23,351,400 | 2,604 |
| Average total loans | $149,502,000 | 2,683 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 1,061 |
| Cost of funding earning assets | 1.6553% | 1,268 |
| Net interest margin | 3.8070% | 1,579 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.3045% | 717 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6173% | 3,497 |
| Return on assets (ROA) | 0.6173% | 3,493 |
| Pretax return on assets | 0.7033% | 3,541 |
| Return on Equity (ROE) | 5.9500% | 3,651 |
| Retained earnings to average equity (ytd only) | 2.4222% | 3,647 |
| Net charge-offs to loans | 0.0543% | 1,129 |
| Credit loss provision to net charge-offs | 86.8852% | 1,714 |
| Earnings coverage of net charge-offs (x) | 20.1803% | 1,814 |
| Efficiency ratio | 81.8061% | 740 |
| Assets per employee ($millions) | 3.6386% | 4,287 |
| Cash dividends to net income (ytd only)* | 59.2843% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,361 |
| Loan loss allowance to noncurrent loans | 874.4186% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,088 |
| Noncurrent loans to loans | 0.1145% | 3,001 |
| Net loans and leases to total assets | 65.9200% | 2,248 |
| Net loans and leases to deposits | 82.9626% | 1,829 |
| Net loans and leases to core deposits | 94.9960% | 1,615 |
| Total domestic deposits to total assets | 79.4500% | 3,613 |
| Equity capital to assets | 10.2880% | 1,655 |
| Core capital (leverage) ratio | 11.0570% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7826% | 849 |
| Memoranda: | ||
| Average total assets | $223,324,250 | 2,838 |
| Average earning assets | $208,382,000 | 2,825 |
| Average equity | $23,173,500 | 2,610 |
| Average total loans | $149,664,000 | 2,684 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 1,090 |
| Cost of funding earning assets | 1.4724% | 1,294 |
| Net interest margin | 3.8199% | 1,583 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.2700% | 715 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6497% | 3,459 |
| Return on assets (ROA) | 0.6497% | 3,466 |
| Pretax return on assets | 0.7449% | 3,513 |
| Return on Equity (ROE) | 6.2400% | 3,640 |
| Retained earnings to average equity (ytd only) | 0.9498% | 3,923 |
| Net charge-offs to loans | 0.0401% | 1,118 |
| Credit loss provision to net charge-offs | 93.3333% | 1,490 |
| Earnings coverage of net charge-offs (x) | 28.5667% | 1,576 |
| Efficiency ratio | 80.9386% | 783 |
| Assets per employee ($millions) | 3.4010% | 4,368 |
| Cash dividends to net income (ytd only)* | 84.7856% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,435 |
| Loan loss allowance to noncurrent loans | 853.1073% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 2,984 |
| Noncurrent loans to loans | 0.1167% | 2,895 |
| Net loans and leases to total assets | 66.8700% | 2,071 |
| Net loans and leases to deposits | 84.5613% | 1,620 |
| Net loans and leases to core deposits | 96.7133% | 1,425 |
| Total domestic deposits to total assets | 79.0800% | 3,710 |
| Equity capital to assets | 10.2469% | 1,717 |
| Core capital (leverage) ratio | 11.1698% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3959% | 902 |
| Memoranda: | ||
| Average total assets | $222,568,333 | 2,852 |
| Average earning assets | $208,225,000 | 2,835 |
| Average equity | $23,161,667 | 2,616 |
| Average total loans | $149,483,000 | 2,677 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 1,018 |
| Cost of funding earning assets | 1.2695% | 1,296 |
| Net interest margin | 3.8818% | 1,511 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.2723% | 721 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.7075% | 3,447 |
| Return on assets (ROA) | 0.7075% | 3,404 |
| Pretax return on assets | 0.8158% | 3,435 |
| Return on Equity (ROE) | 6.7500% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7464% | 2,571 |
| Net charge-offs to loans | 0.0728% | 710 |
| Credit loss provision to net charge-offs | 14.8148% | 1,388 |
| Earnings coverage of net charge-offs (x) | 16.8889% | 1,508 |
| Efficiency ratio | 79.9030% | 839 |
| Assets per employee ($millions) | 3.3613% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,511 |
| Loan loss allowance to noncurrent loans | 318.8437% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,086 |
| Noncurrent loans to loans | 0.3141% | 2,021 |
| Net loans and leases to total assets | 66.3500% | 2,021 |
| Net loans and leases to deposits | 84.2520% | 1,480 |
| Net loans and leases to core deposits | 94.0565% | 1,390 |
| Total domestic deposits to total assets | 78.7500% | 3,916 |
| Equity capital to assets | 10.5814% | 1,521 |
| Core capital (leverage) ratio | 11.4019% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7095% | 881 |
| Memoranda: | ||
| Average total assets | $221,619,000 | 2,900 |
| Average earning assets | $207,327,500 | 2,883 |
| Average equity | $23,242,000 | 2,639 |
| Average total loans | $148,420,500 | 2,715 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 741 |
| Cost of funding earning assets | 0.5012% | 1,384 |
| Net interest margin | 3.9858% | 807 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 3.2443% | 679 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7771% | 3,408 |
| Return on assets (ROA) | 0.7771% | 3,343 |
| Pretax return on assets | 0.9076% | 3,336 |
| Return on Equity (ROE) | 7.4800% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.4941% | 2,828 |
| Net charge-offs to loans | 0.0139% | 1,866 |
| Credit loss provision to net charge-offs | 270.0000% | 964 |
| Earnings coverage of net charge-offs (x) | 101.8000% | 966 |
| Efficiency ratio | 77.6779% | 870 |
| Assets per employee ($millions) | 3.3044% | 4,488 |
| Cash dividends to net income (ytd only)* | 26.5174% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,256 |
| Loan loss allowance to noncurrent loans | 597.6285% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 2,723 |
| Noncurrent loans to loans | 0.1708% | 2,630 |
| Net loans and leases to total assets | 66.2400% | 2,011 |
| Net loans and leases to deposits | 83.5952% | 1,496 |
| Net loans and leases to core deposits | 89.5349% | 1,528 |
| Total domestic deposits to total assets | 79.2400% | 3,977 |
| Equity capital to assets | 10.3932% | 1,505 |
| Core capital (leverage) ratio | 11.1887% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4781% | 900 |
| Memoranda: | ||
| Average total assets | $218,382,400 | 2,914 |
| Average earning assets | $204,098,400 | 2,902 |
| Average equity | $22,697,000 | 2,723 |
| Average total loans | $144,308,800 | 2,688 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 638 |
| Cost of funding earning assets | 0.4344% | 1,078 |
| Net interest margin | 3.9253% | 754 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 3.2550% | 635 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7321% | 3,475 |
| Return on assets (ROA) | 0.7321% | 3,421 |
| Pretax return on assets | 0.8510% | 3,471 |
| Return on Equity (ROE) | 7.0400% | 3,588 |
| Retained earnings to average equity (ytd only) | 4.3915% | 3,328 |
| Net charge-offs to loans | 0.0028% | 2,147 |
| Credit loss provision to net charge-offs | 1,400.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 477.0000% | 324 |
| Efficiency ratio | 78.7811% | 854 |
| Assets per employee ($millions) | 3.2910% | 4,524 |
| Cash dividends to net income (ytd only)* | 37.6569% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,290 |
| Loan loss allowance to noncurrent loans | 536.0424% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,700 |
| Noncurrent loans to loans | 0.1946% | 2,624 |
| Net loans and leases to total assets | 66.2700% | 1,859 |
| Net loans and leases to deposits | 81.4435% | 1,489 |
| Net loans and leases to core deposits | 87.5939% | 1,434 |
| Total domestic deposits to total assets | 81.3700% | 3,924 |
| Equity capital to assets | 10.3053% | 1,465 |
| Core capital (leverage) ratio | 10.9600% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3324% | 942 |
| Memoranda: | ||
| Average total assets | $217,629,250 | 2,945 |
| Average earning assets | $203,187,750 | 2,929 |
| Average equity | $22,618,750 | 2,766 |
| Average total loans | $143,345,250 | 2,705 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 609 |
| Cost of funding earning assets | 0.3988% | 927 |
| Net interest margin | 3.8213% | 718 |
| Noninterest income to average assets | 0.4610% | 2,393 |
| Noninterest expense to average assets | 3.2337% | 598 |
| Loan and lease loss provision to assets | 0.0321% | 2,010 |
| Net operating income to assets | 0.6658% | 3,426 |
| Return on assets (ROA) | 0.6658% | 3,376 |
| Pretax return on assets | 0.7678% | 3,412 |
| Return on Equity (ROE) | 6.3885% | 3,476 |
| Retained earnings to average equity (ytd only) | 2.4232% | 3,638 |
| Net charge-offs to loans | 0.0084% | 1,672 |
| Credit loss provision to net charge-offs | 583.3333% | 582 |
| Earnings coverage of net charge-offs (x) | 145.1667% | 661 |
| Efficiency ratio | 80.1685% | 932 |
| Assets per employee ($millions) | 3.1955% | 4,599 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,412 |
| Loan loss allowance to noncurrent loans | 444.8378% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 2,615 |
| Noncurrent loans to loans | 0.2345% | 2,546 |
| Net loans and leases to total assets | 65.8231% | 1,718 |
| Net loans and leases to deposits | 81.1482% | 1,305 |
| Net loans and leases to core deposits | 86.7754% | 1,278 |
| Total domestic deposits to total assets | 81.1147% | 4,113 |
| Equity capital to assets | 10.1810% | 1,602 |
| Core capital (leverage) ratio | 10.8998% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1813% | 966 |
| Memoranda: | ||
| Average total assets | $217,769,667 | 2,966 |
| Average earning assets | $203,595,667 | 2,967 |
| Average equity | $22,697,000 | 2,842 |
| Average total loans | $142,640,000 | 2,727 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 564 |
| Cost of funding earning assets | 0.3938% | 904 |
| Net interest margin | 3.7673% | 669 |
| Noninterest income to average assets | 0.4404% | 2,441 |
| Noninterest expense to average assets | 3.2164% | 589 |
| Loan and lease loss provision to assets | 0.0202% | 1,991 |
| Net operating income to assets | 0.6367% | 3,269 |
| Return on assets (ROA) | 0.6367% | 3,253 |
| Pretax return on assets | 0.7321% | 3,300 |
| Return on Equity (ROE) | 6.0390% | 3,338 |
| Retained earnings to average equity (ytd only) | 6.0390% | 2,242 |
| Net charge-offs to loans | 0.0113% | 1,350 |
| Credit loss provision to net charge-offs | 275.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 668 |
| Efficiency ratio | 81.0448% | 1,066 |
| Assets per employee ($millions) | 3.1973% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,540 |
| Loan loss allowance to noncurrent loans | 431.9767% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,693 |
| Noncurrent loans to loans | 0.2424% | 2,626 |
| Net loans and leases to total assets | 64.5799% | 1,547 |
| Net loans and leases to deposits | 80.4353% | 1,111 |
| Net loans and leases to core deposits | 86.4767% | 1,105 |
| Total domestic deposits to total assets | 80.2880% | 4,266 |
| Equity capital to assets | 10.4390% | 1,615 |
| Core capital (leverage) ratio | 10.9353% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3675% | 987 |
| Memoranda: | ||
| Average total assets | $218,006,500 | 2,979 |
| Average earning assets | $204,177,500 | 2,976 |
| Average equity | $22,984,000 | 2,905 |
| Average total loans | $141,690,500 | 2,735 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 852 |
| Cost of funding earning assets | 0.5086% | 895 |
| Net interest margin | 3.7907% | 1,030 |
| Noninterest income to average assets | 0.4541% | 2,797 |
| Noninterest expense to average assets | 3.0875% | 855 |
| Loan and lease loss provision to assets | -0.1106% | 4,558 |
| Net operating income to assets | 0.8480% | 3,194 |
| Return on assets (ROA) | 0.8480% | 3,258 |
| Pretax return on assets | 1.0133% | 3,224 |
| Return on Equity (ROE) | 8.1872% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.3996% | 2,174 |
| Net charge-offs to loans | -0.1749% | 4,687 |
| Credit loss provision to net charge-offs | 101.7021% | 1,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3782% | 1,003 |
| Assets per employee ($millions) | 3.0361% | 4,685 |
| Cash dividends to net income (ytd only)* | 21.8341% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,591 |
| Loan loss allowance to noncurrent loans | 358.9806% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 2,616 |
| Noncurrent loans to loans | 0.2912% | 2,545 |
| Net loans and leases to total assets | 64.0489% | 1,696 |
| Net loans and leases to deposits | 78.8996% | 1,307 |
| Net loans and leases to core deposits | 84.9915% | 1,263 |
| Total domestic deposits to total assets | 81.1777% | 4,082 |
| Equity capital to assets | 10.6461% | 2,051 |
| Core capital (leverage) ratio | 10.7978% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9191% | 1,057 |
| Memoranda: | ||
| Average total assets | $216,034,200 | 2,941 |
| Average earning assets | $201,517,600 | 2,943 |
| Average equity | $22,376,400 | 3,027 |
| Average total loans | $134,325,200 | 2,791 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 1,058 |
| Cost of funding earning assets | 0.5390% | 880 |
| Net interest margin | 3.6938% | 1,349 |
| Noninterest income to average assets | 0.4488% | 2,845 |
| Noninterest expense to average assets | 3.0926% | 831 |
| Loan and lease loss provision to assets | 0.0032% | 2,905 |
| Net operating income to assets | 0.6710% | 3,841 |
| Return on assets (ROA) | 0.6710% | 3,897 |
| Pretax return on assets | 0.7936% | 3,902 |
| Return on Equity (ROE) | 6.5243% | 3,793 |
| Retained earnings to average equity (ytd only) | 4.1168% | 3,538 |
| Net charge-offs to loans | -0.0040% | 3,370 |
| Credit loss provision to net charge-offs | -125.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5162% | 775 |
| Assets per employee ($millions) | 3.0729% | 4,741 |
| Cash dividends to net income (ytd only)* | 36.9004% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,358 |
| Loan loss allowance to noncurrent loans | 351.8868% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 2,808 |
| Noncurrent loans to loans | 0.3176% | 2,639 |
| Net loans and leases to total assets | 61.3665% | 2,096 |
| Net loans and leases to deposits | 75.7493% | 1,691 |
| Net loans and leases to core deposits | 80.9670% | 1,652 |
| Total domestic deposits to total assets | 81.0126% | 4,092 |
| Equity capital to assets | 10.4753% | 2,472 |
| Core capital (leverage) ratio | 10.3348% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3024% | 1,083 |
| Memoranda: | ||
| Average total assets | $215,393,500 | 2,977 |
| Average earning assets | $200,621,500 | 2,985 |
| Average equity | $22,152,500 | 3,076 |
| Average total loans | $132,534,500 | 2,859 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 1,396 |
| Cost of funding earning assets | 0.5681% | 873 |
| Net interest margin | 3.5064% | 1,843 |
| Noninterest income to average assets | 0.4344% | 2,935 |
| Noninterest expense to average assets | 3.0461% | 913 |
| Loan and lease loss provision to assets | -0.0009% | 4,372 |
| Net operating income to assets | 0.5569% | 4,084 |
| Return on assets (ROA) | 0.5569% | 4,135 |
| Pretax return on assets | 0.6543% | 4,151 |
| Return on Equity (ROE) | 5.4482% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.8161% | 4,158 |
| Net charge-offs to loans | -0.0106% | 3,687 |
| Credit loss provision to net charge-offs | 14.2857% | 1,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3382% | 650 |
| Assets per employee ($millions) | 3.1931% | 4,751 |
| Cash dividends to net income (ytd only)* | 66.6667% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,315 |
| Loan loss allowance to noncurrent loans | 264.9466% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 2,632 |
| Noncurrent loans to loans | 0.4242% | 2,408 |
| Net loans and leases to total assets | 60.3314% | 2,389 |
| Net loans and leases to deposits | 76.2768% | 1,791 |
| Net loans and leases to core deposits | 81.4921% | 1,762 |
| Total domestic deposits to total assets | 79.0954% | 4,332 |
| Equity capital to assets | 10.1792% | 2,695 |
| Core capital (leverage) ratio | 10.1215% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0391% | 1,107 |
| Memoranda: | ||
| Average total assets | $215,489,333 | 2,970 |
| Average earning assets | $200,664,000 | 2,978 |
| Average equity | $22,025,667 | 3,082 |
| Average total loans | $132,214,333 | 2,872 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 1,469 |
| Cost of funding earning assets | 0.6164% | 816 |
| Net interest margin | 3.4503% | 1,960 |
| Noninterest income to average assets | 0.3876% | 3,163 |
| Noninterest expense to average assets | 3.0167% | 965 |
| Loan and lease loss provision to assets | -0.0075% | 4,571 |
| Net operating income to assets | 0.5068% | 4,166 |
| Return on assets (ROA) | 0.5068% | 4,203 |
| Pretax return on assets | 0.5907% | 4,204 |
| Return on Equity (ROE) | 4.9483% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.9483% | 3,233 |
| Net charge-offs to loans | -0.0333% | 4,223 |
| Credit loss provision to net charge-offs | 36.3636% | 1,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7992% | 605 |
| Assets per employee ($millions) | 3.1195% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,287 |
| Loan loss allowance to noncurrent loans | 175.7075% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 2,245 |
| Noncurrent loans to loans | 0.6437% | 1,959 |
| Net loans and leases to total assets | 59.6465% | 2,585 |
| Net loans and leases to deposits | 75.2529% | 1,989 |
| Net loans and leases to core deposits | 80.6019% | 1,948 |
| Total domestic deposits to total assets | 79.2613% | 4,302 |
| Equity capital to assets | 10.1527% | 2,548 |
| Core capital (leverage) ratio | 10.4131% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5753% | 1,148 |
| Memoranda: | ||
| Average total assets | $214,669,500 | 2,970 |
| Average earning assets | $199,867,000 | 2,976 |
| Average equity | $21,987,500 | 3,078 |
| Average total loans | $132,078,500 | 2,876 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 1,175 |
| Cost of funding earning assets | 0.9568% | 698 |
| Net interest margin | 3.6057% | 2,127 |
| Noninterest income to average assets | 0.4687% | 2,779 |
| Noninterest expense to average assets | 3.1751% | 1,100 |
| Loan and lease loss provision to assets | 0.0098% | 4,236 |
| Net operating income to assets | 0.5394% | 3,938 |
| Return on assets (ROA) | 0.5394% | 4,033 |
| Pretax return on assets | 0.6347% | 4,005 |
| Return on Equity (ROE) | 5.0717% | 3,886 |
| Retained earnings to average equity (ytd only) | 3.2010% | 3,224 |
| Net charge-offs to loans | 0.0478% | 2,113 |
| Credit loss provision to net charge-offs | 32.2581% | 3,208 |
| Earnings coverage of net charge-offs (x) | 21.1613% | 1,911 |
| Efficiency ratio | 83.1254% | 685 |
| Assets per employee ($millions) | 3.1026% | 4,791 |
| Cash dividends to net income (ytd only)* | 36.8852% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,366 |
| Loan loss allowance to noncurrent loans | 155.2880% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 2,220 |
| Noncurrent loans to loans | 0.7212% | 1,894 |
| Net loans and leases to total assets | 62.0631% | 2,598 |
| Net loans and leases to deposits | 79.0869% | 1,969 |
| Net loans and leases to core deposits | 85.1590% | 1,938 |
| Total domestic deposits to total assets | 78.4746% | 4,266 |
| Equity capital to assets | 10.3354% | 2,802 |
| Core capital (leverage) ratio | 10.3061% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3119% | 998 |
| Memoranda: | ||
| Average total assets | $203,553,000 | 2,910 |
| Average earning assets | $189,171,600 | 2,915 |
| Average equity | $21,649,600 | 3,044 |
| Average total loans | $129,666,600 | 2,871 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,194 |
| Cost of funding earning assets | 1.0104% | 736 |
| Net interest margin | 3.6333% | 2,148 |
| Noninterest income to average assets | 0.4839% | 2,680 |
| Noninterest expense to average assets | 3.1981% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5606% | 3,878 |
| Return on assets (ROA) | 0.5606% | 3,968 |
| Pretax return on assets | 0.6610% | 3,981 |
| Return on Equity (ROE) | 5.2318% | 3,817 |
| Retained earnings to average equity (ytd only) | 2.7331% | 3,632 |
| Net charge-offs to loans | 0.0248% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,332 |
| Efficiency ratio | 82.8708% | 683 |
| Assets per employee ($millions) | 3.0672% | 4,821 |
| Cash dividends to net income (ytd only)* | 47.7594% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,915 |
| Loan loss allowance to noncurrent loans | 155.3830% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 2,360 |
| Noncurrent loans to loans | 0.7438% | 1,945 |
| Net loans and leases to total assets | 60.6542% | 3,147 |
| Net loans and leases to deposits | 77.4926% | 2,589 |
| Net loans and leases to core deposits | 83.1450% | 2,568 |
| Total domestic deposits to total assets | 78.2710% | 4,154 |
| Equity capital to assets | 10.2658% | 2,995 |
| Core capital (leverage) ratio | 10.2529% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8886% | 1,073 |
| Memoranda: | ||
| Average total assets | $201,697,750 | 2,905 |
| Average earning assets | $187,371,000 | 2,914 |
| Average equity | $21,610,750 | 3,035 |
| Average total loans | $128,978,250 | 2,881 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 1,200 |
| Cost of funding earning assets | 1.0717% | 789 |
| Net interest margin | 3.7163% | 2,107 |
| Noninterest income to average assets | 0.4940% | 2,600 |
| Noninterest expense to average assets | 3.1968% | 1,167 |
| Loan and lease loss provision to assets | -0.0010% | 4,996 |
| Net operating income to assets | 0.6341% | 3,628 |
| Return on assets (ROA) | 0.6341% | 3,712 |
| Pretax return on assets | 0.7521% | 3,735 |
| Return on Equity (ROE) | 5.8315% | 3,572 |
| Retained earnings to average equity (ytd only) | 2.0767% | 3,723 |
| Net charge-offs to loans | 0.0637% | 1,608 |
| Credit loss provision to net charge-offs | -2.4390% | 3,324 |
| Earnings coverage of net charge-offs (x) | 18.1707% | 1,778 |
| Efficiency ratio | 80.9755% | 819 |
| Assets per employee ($millions) | 2.9854% | 4,860 |
| Cash dividends to net income (ytd only)* | 64.3879% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,705 |
| Loan loss allowance to noncurrent loans | 170.7710% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 2,630 |
| Noncurrent loans to loans | 0.6820% | 2,168 |
| Net loans and leases to total assets | 60.2650% | 3,296 |
| Net loans and leases to deposits | 76.7192% | 2,783 |
| Net loans and leases to core deposits | 82.2175% | 2,763 |
| Total domestic deposits to total assets | 78.5527% | 4,105 |
| Equity capital to assets | 10.3552% | 2,884 |
| Core capital (leverage) ratio | 10.4068% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,385,667 | 2,916 |
| Average earning assets | $184,377,333 | 2,921 |
| Average equity | $21,572,333 | 3,022 |
| Average total loans | $128,682,333 | 2,875 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 917 |
| Cost of funding earning assets | 1.1721% | 843 |
| Net interest margin | 3.8533% | 1,813 |
| Noninterest income to average assets | 0.5324% | 2,379 |
| Noninterest expense to average assets | 3.2979% | 1,232 |
| Loan and lease loss provision to assets | -0.0186% | 5,053 |
| Net operating income to assets | 0.6960% | 3,287 |
| Return on assets (ROA) | 0.6960% | 3,355 |
| Pretax return on assets | 0.8286% | 3,338 |
| Return on Equity (ROE) | 6.2400% | 3,225 |
| Retained earnings to average equity (ytd only) | 6.2400% | 1,791 |
| Net charge-offs to loans | 0.0928% | 1,137 |
| Credit loss provision to net charge-offs | -30.0000% | 3,114 |
| Earnings coverage of net charge-offs (x) | 13.0333% | 1,672 |
| Efficiency ratio | 80.2824% | 1,112 |
| Assets per employee ($millions) | 2.7981% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,899 |
| Loan loss allowance to noncurrent loans | 105.3863% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 1,556 |
| Noncurrent loans to loans | 1.0979% | 1,514 |
| Net loans and leases to total assets | 64.8568% | 2,960 |
| Net loans and leases to deposits | 82.3646% | 2,409 |
| Net loans and leases to core deposits | 88.7513% | 2,465 |
| Total domestic deposits to total assets | 78.7436% | 4,097 |
| Equity capital to assets | 11.0318% | 2,828 |
| Core capital (leverage) ratio | 11.1413% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,090,000 | 2,924 |
| Average earning assets | $179,169,000 | 2,927 |
| Average equity | $21,538,500 | 3,020 |
| Average total loans | $129,311,500 | 2,843 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1448% | 1,121 |
| Cost of funding earning assets | 1.2103% | 1,008 |
| Net interest margin | 3.9345% | 2,051 |
| Noninterest income to average assets | 0.5569% | 2,439 |
| Noninterest expense to average assets | 3.1753% | 1,579 |
| Loan and lease loss provision to assets | 0.0815% | 2,372 |
| Net operating income to assets | 0.8237% | 3,472 |
| Return on assets (ROA) | 0.8293% | 3,551 |
| Pretax return on assets | 1.0013% | 3,460 |
| Return on Equity (ROE) | 7.6010% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.2681% | 2,283 |
| Net charge-offs to loans | 0.0691% | 2,102 |
| Credit loss provision to net charge-offs | 174.1573% | 1,488 |
| Earnings coverage of net charge-offs (x) | 22.9888% | 1,830 |
| Efficiency ratio | 74.6907% | 1,525 |
| Assets per employee ($millions) | 2.8835% | 4,872 |
| Cash dividends to net income (ytd only)* | 30.6912% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,582 |
| Loan loss allowance to noncurrent loans | 103.1800% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 762 |
| Noncurrent loans to loans | 1.1360% | 1,332 |
| Net loans and leases to total assets | 67.5613% | 2,745 |
| Net loans and leases to deposits | 84.9163% | 2,219 |
| Net loans and leases to core deposits | 91.6528% | 2,261 |
| Total domestic deposits to total assets | 79.5623% | 4,059 |
| Equity capital to assets | 11.2811% | 2,731 |
| Core capital (leverage) ratio | 10.9177% | 2,576 |
| Tier 1 risk-based capital ratio | 17.7007% | 1,840 |
| Total risk-based capital ratio | 18.9506% | 1,792 |
| Memoranda: | ||
| Average total assets | $190,153,600 | 2,916 |
| Average earning assets | $178,547,800 | 2,898 |
| Average equity | $20,747,400 | 3,060 |
| Average total loans | $128,707,400 | 2,836 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 1,184 |
| Cost of funding earning assets | 1.2044% | 1,029 |
| Net interest margin | 3.9340% | 2,152 |
| Noninterest income to average assets | 0.5589% | 2,414 |
| Noninterest expense to average assets | 3.1468% | 1,588 |
| Loan and lease loss provision to assets | 0.0638% | 2,614 |
| Net operating income to assets | 0.8656% | 3,467 |
| Return on assets (ROA) | 0.8731% | 3,522 |
| Pretax return on assets | 1.0569% | 3,425 |
| Return on Equity (ROE) | 8.0710% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.9333% | 2,921 |
| Net charge-offs to loans | 0.0696% | 1,832 |
| Credit loss provision to net charge-offs | 135.8209% | 1,764 |
| Earnings coverage of net charge-offs (x) | 23.6570% | 1,825 |
| Efficiency ratio | 73.8966% | 1,582 |
| Assets per employee ($millions) | 2.9603% | 4,908 |
| Cash dividends to net income (ytd only)* | 38.8756% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 2,735 |
| Loan loss allowance to noncurrent loans | 120.8809% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 1,006 |
| Noncurrent loans to loans | 0.9574% | 1,680 |
| Net loans and leases to total assets | 65.7837% | 3,076 |
| Net loans and leases to deposits | 82.9455% | 2,575 |
| Net loans and leases to core deposits | 89.3919% | 2,597 |
| Total domestic deposits to total assets | 79.3095% | 4,116 |
| Equity capital to assets | 10.9772% | 3,111 |
| Core capital (leverage) ratio | 10.9510% | 2,688 |
| Tier 1 risk-based capital ratio | 17.3550% | 1,980 |
| Total risk-based capital ratio | 18.5959% | 1,946 |
| Memoranda: | ||
| Average total assets | $190,114,500 | 2,947 |
| Average earning assets | $178,781,000 | 2,922 |
| Average equity | $20,567,000 | 3,104 |
| Average total loans | $128,359,000 | 2,876 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1501% | 1,107 |
| Cost of funding earning assets | 1.2107% | 960 |
| Net interest margin | 3.9394% | 2,122 |
| Noninterest income to average assets | 0.5281% | 2,524 |
| Noninterest expense to average assets | 3.1149% | 1,688 |
| Loan and lease loss provision to assets | 0.0391% | 3,037 |
| Net operating income to assets | 0.8959% | 3,301 |
| Return on assets (ROA) | 0.9073% | 3,319 |
| Pretax return on assets | 1.0996% | 3,234 |
| Return on Equity (ROE) | 8.4290% | 3,103 |
| Retained earnings to average equity (ytd only) | 3.6797% | 3,417 |
| Net charge-offs to loans | 0.0156% | 2,584 |
| Credit loss provision to net charge-offs | 370.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 667 |
| Efficiency ratio | 73.4679% | 1,706 |
| Assets per employee ($millions) | 2.8722% | 4,979 |
| Cash dividends to net income (ytd only)* | 56.3446% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,655 |
| Loan loss allowance to noncurrent loans | 138.8785% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 1,974 |
| Noncurrent loans to loans | 0.8452% | 1,911 |
| Net loans and leases to total assets | 66.0000% | 3,106 |
| Net loans and leases to deposits | 81.6971% | 2,763 |
| Net loans and leases to core deposits | 88.3085% | 2,764 |
| Total domestic deposits to total assets | 80.7862% | 3,874 |
| Equity capital to assets | 10.8803% | 3,194 |
| Core capital (leverage) ratio | 10.7115% | 2,886 |
| Tier 1 risk-based capital ratio | 17.7710% | 1,863 |
| Total risk-based capital ratio | 19.0212% | 1,814 |
| Memoranda: | ||
| Average total assets | $189,347,000 | 2,963 |
| Average earning assets | $178,404,670 | 2,935 |
| Average equity | $20,382,000 | 3,117 |
| Average total loans | $128,458,330 | 2,889 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 1,165 |
| Cost of funding earning assets | 1.1871% | 939 |
| Net interest margin | 3.8838% | 2,239 |
| Noninterest income to average assets | 0.5136% | 2,477 |
| Noninterest expense to average assets | 3.0332% | 1,898 |
| Loan and lease loss provision to assets | 0.0655% | 2,353 |
| Net operating income to assets | 0.8924% | 3,258 |
| Return on assets (ROA) | 0.9152% | 3,216 |
| Pretax return on assets | 1.1076% | 3,128 |
| Return on Equity (ROE) | 8.5487% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.5487% | 1,470 |
| Net charge-offs to loans | 0.0526% | 1,534 |
| Credit loss provision to net charge-offs | 182.3529% | 1,107 |
| Earnings coverage of net charge-offs (x) | 31.8824% | 1,298 |
| Efficiency ratio | 72.5847% | 1,942 |
| Assets per employee ($millions) | 2.9826% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,834 |
| Loan loss allowance to noncurrent loans | 86.0981% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 1,569 |
| Noncurrent loans to loans | 1.3381% | 1,220 |
| Net loans and leases to total assets | 66.2540% | 3,019 |
| Net loans and leases to deposits | 83.1351% | 2,491 |
| Net loans and leases to core deposits | 89.5668% | 2,547 |
| Total domestic deposits to total assets | 79.6944% | 4,222 |
| Equity capital to assets | 10.7618% | 3,084 |
| Core capital (leverage) ratio | 10.8437% | 2,722 |
| Tier 1 risk-based capital ratio | 17.6986% | 1,883 |
| Total risk-based capital ratio | 18.9489% | 1,840 |
| Memoranda: | ||
| Average total assets | $189,239,500 | 3,002 |
| Average earning assets | $178,589,500 | 2,966 |
| Average equity | $20,260,500 | 3,133 |
| Average total loans | $129,389,000 | 2,909 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 1,302 |
| Cost of funding earning assets | 1.0503% | 611 |
| Net interest margin | 3.8450% | 2,522 |
| Noninterest income to average assets | 0.5194% | 2,720 |
| Noninterest expense to average assets | 3.0137% | 2,013 |
| Loan and lease loss provision to assets | 0.0572% | 3,023 |
| Net operating income to assets | 0.9022% | 3,429 |
| Return on assets (ROA) | 0.9022% | 3,424 |
| Pretax return on assets | 1.0965% | 3,284 |
| Return on Equity (ROE) | 8.7551% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,038 |
| Net charge-offs to loans | 0.0791% | 1,996 |
| Credit loss provision to net charge-offs | 105.8824% | 2,411 |
| Earnings coverage of net charge-offs (x) | 21.3627% | 1,947 |
| Efficiency ratio | 72.3161% | 1,861 |
| Assets per employee ($millions) | 3.0257% | 4,979 |
| Cash dividends to net income (ytd only)* | 28.1103% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,004 |
| Loan loss allowance to noncurrent loans | 86.0342% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 1,533 |
| Noncurrent loans to loans | 1.2971% | 1,218 |
| Net loans and leases to total assets | 68.9655% | 2,734 |
| Net loans and leases to deposits | 85.8053% | 2,296 |
| Net loans and leases to core deposits | 92.9557% | 2,322 |
| Total domestic deposits to total assets | 80.3743% | 4,021 |
| Equity capital to assets | 10.6498% | 3,028 |
| Core capital (leverage) ratio | 10.6014% | 2,925 |
| Tier 1 risk-based capital ratio | 17.2076% | 1,992 |
| Total risk-based capital ratio | 18.4574% | 1,942 |
| Memoranda: | ||
| Average total assets | $188,871,000 | 2,971 |
| Average earning assets | $179,193,600 | 2,926 |
| Average equity | $19,463,000 | 3,140 |
| Average total loans | $128,928,800 | 2,885 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 1,312 |
| Cost of funding earning assets | 1.0166% | 554 |
| Net interest margin | 3.8269% | 2,542 |
| Noninterest income to average assets | 0.5173% | 2,757 |
| Noninterest expense to average assets | 2.9958% | 2,029 |
| Loan and lease loss provision to assets | 0.0514% | 2,956 |
| Net operating income to assets | 0.9077% | 3,492 |
| Return on assets (ROA) | 0.9077% | 3,497 |
| Pretax return on assets | 1.1043% | 3,378 |
| Return on Equity (ROE) | 8.8821% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.5789% | 2,903 |
| Net charge-offs to loans | 0.0934% | 1,564 |
| Credit loss provision to net charge-offs | 81.1111% | 2,516 |
| Earnings coverage of net charge-offs (x) | 18.2218% | 2,060 |
| Efficiency ratio | 72.1609% | 1,858 |
| Assets per employee ($millions) | 3.0794% | 4,980 |
| Cash dividends to net income (ytd only)* | 37.1894% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,991 |
| Loan loss allowance to noncurrent loans | 142.3191% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 2,584 |
| Noncurrent loans to loans | 0.7981% | 2,113 |
| Net loans and leases to total assets | 66.5384% | 3,120 |
| Net loans and leases to deposits | 82.7329% | 2,737 |
| Net loans and leases to core deposits | 89.3230% | 2,718 |
| Total domestic deposits to total assets | 80.4256% | 4,014 |
| Equity capital to assets | 10.4077% | 3,228 |
| Core capital (leverage) ratio | 10.4230% | 3,161 |
| Tier 1 risk-based capital ratio | 17.4299% | 1,958 |
| Total risk-based capital ratio | 18.6799% | 1,909 |
| Memoranda: | ||
| Average total assets | $189,191,000 | 2,992 |
| Average earning assets | $179,670,750 | 2,947 |
| Average equity | $19,334,250 | 3,174 |
| Average total loans | $128,452,750 | 2,918 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 1,231 |
| Cost of funding earning assets | 0.9772% | 522 |
| Net interest margin | 3.8280% | 2,467 |
| Noninterest income to average assets | 0.5094% | 2,809 |
| Noninterest expense to average assets | 3.0046% | 2,027 |
| Loan and lease loss provision to assets | 0.0348% | 3,217 |
| Net operating income to assets | 0.9144% | 3,398 |
| Return on assets (ROA) | 0.9144% | 3,400 |
| Pretax return on assets | 1.1137% | 3,257 |
| Return on Equity (ROE) | 9.0020% | 3,018 |
| Retained earnings to average equity (ytd only) | 9.0020% | 1,221 |
| Net charge-offs to loans | 0.0651% | 1,692 |
| Credit loss provision to net charge-offs | 78.5714% | 2,272 |
| Earnings coverage of net charge-offs (x) | 25.9286% | 1,619 |
| Efficiency ratio | 72.3464% | 1,945 |
| Assets per employee ($millions) | 3.0472% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,152 |
| Loan loss allowance to noncurrent loans | 151.4675% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 2,738 |
| Noncurrent loans to loans | 0.7395% | 2,262 |
| Net loans and leases to total assets | 67.5183% | 2,942 |
| Net loans and leases to deposits | 84.5783% | 2,467 |
| Net loans and leases to core deposits | 90.2665% | 2,549 |
| Total domestic deposits to total assets | 79.8294% | 4,265 |
| Equity capital to assets | 10.4013% | 3,211 |
| Core capital (leverage) ratio | 10.3529% | 3,180 |
| Tier 1 risk-based capital ratio | 17.2961% | 2,004 |
| Total risk-based capital ratio | 18.5461% | 1,955 |
| Memoranda: | ||
| Average total assets | $189,640,670 | 3,008 |
| Average earning assets | $180,510,670 | 2,957 |
| Average equity | $19,262,330 | 3,196 |
| Average total loans | $129,129,330 | 2,920 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 1,192 |
| Cost of funding earning assets | 0.9576% | 453 |
| Net interest margin | 3.7906% | 2,459 |
| Noninterest income to average assets | 0.5263% | 2,650 |
| Noninterest expense to average assets | 3.0758% | 1,886 |
| Loan and lease loss provision to assets | 0.0126% | 3,367 |
| Net operating income to assets | 0.8590% | 3,466 |
| Return on assets (ROA) | 0.8590% | 3,475 |
| Pretax return on assets | 1.0463% | 3,367 |
| Return on Equity (ROE) | 8.5588% | 3,125 |
| Retained earnings to average equity (ytd only) | 8.5588% | 1,635 |
| Net charge-offs to loans | 0.1053% | 1,150 |
| Credit loss provision to net charge-offs | 17.6471% | 2,136 |
| Earnings coverage of net charge-offs (x) | 14.7941% | 1,692 |
| Efficiency ratio | 74.3890% | 1,844 |
| Assets per employee ($millions) | 3.1787% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,342 |
| Loan loss allowance to noncurrent loans | 157.9823% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 2,962 |
| Noncurrent loans to loans | 0.6998% | 2,460 |
| Net loans and leases to total assets | 66.8317% | 2,920 |
| Net loans and leases to deposits | 83.6301% | 2,431 |
| Net loans and leases to core deposits | 89.5068% | 2,492 |
| Total domestic deposits to total assets | 79.9134% | 4,433 |
| Equity capital to assets | 10.0548% | 3,542 |
| Core capital (leverage) ratio | 10.1950% | 3,310 |
| Tier 1 risk-based capital ratio | 17.0215% | 2,114 |
| Total risk-based capital ratio | 18.2714% | 2,066 |
| Memoranda: | ||
| Average total assets | $189,997,000 | 3,034 |
| Average earning assets | $180,870,500 | 2,982 |
| Average equity | $19,068,000 | 3,242 |
| Average total loans | $129,191,000 | 2,945 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 957 |
| Cost of funding earning assets | 0.9685% | 259 |
| Net interest margin | 3.8447% | 2,274 |
| Noninterest income to average assets | 0.5433% | 2,756 |
| Noninterest expense to average assets | 2.9820% | 2,211 |
| Loan and lease loss provision to assets | 0.0688% | 2,825 |
| Net operating income to assets | 0.6334% | 3,878 |
| Return on assets (ROA) | 0.6277% | 3,934 |
| Pretax return on assets | 1.1277% | 3,071 |
| Return on Equity (ROE) | 6.0685% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.9759% | 2,810 |
| Net charge-offs to loans | 0.0641% | 2,558 |
| Credit loss provision to net charge-offs | 151.2195% | 1,765 |
| Earnings coverage of net charge-offs (x) | 26.4878% | 1,675 |
| Efficiency ratio | 71.2127% | 2,354 |
| Assets per employee ($millions) | 3.1545% | 5,072 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,232 |
| Loan loss allowance to noncurrent loans | 157.5922% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 2,903 |
| Noncurrent loans to loans | 0.7120% | 2,425 |
| Net loans and leases to total assets | 67.6494% | 2,875 |
| Net loans and leases to deposits | 85.2992% | 2,343 |
| Net loans and leases to core deposits | 91.5441% | 2,413 |
| Total domestic deposits to total assets | 79.3084% | 4,476 |
| Equity capital to assets | 10.0169% | 3,687 |
| Core capital (leverage) ratio | 9.9756% | 3,488 |
| Tier 1 risk-based capital ratio | 16.7786% | 2,165 |
| Total risk-based capital ratio | 18.0284% | 2,113 |
| Memoranda: | ||
| Average total assets | $180,183,200 | 3,109 |
| Average earning assets | $170,782,000 | 3,062 |
| Average equity | $18,637,200 | 3,284 |
| Average total loans | $127,854,600 | 2,944 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 872 |
| Cost of funding earning assets | 0.9611% | 235 |
| Net interest margin | 3.8688% | 2,151 |
| Noninterest income to average assets | 0.5433% | 2,761 |
| Noninterest expense to average assets | 3.0359% | 2,014 |
| Loan and lease loss provision to assets | 0.0607% | 2,867 |
| Net operating income to assets | 0.7553% | 3,713 |
| Return on assets (ROA) | 0.7472% | 3,810 |
| Pretax return on assets | 1.0971% | 3,312 |
| Return on Equity (ROE) | 7.1634% | 3,560 |
| Retained earnings to average equity (ytd only) | 4.3613% | 3,307 |
| Net charge-offs to loans | 0.0638% | 2,201 |
| Credit loss provision to net charge-offs | 132.7869% | 1,855 |
| Earnings coverage of net charge-offs (x) | 25.5906% | 1,721 |
| Efficiency ratio | 72.1846% | 2,177 |
| Assets per employee ($millions) | 3.0969% | 5,179 |
| Cash dividends to net income (ytd only)* | 39.1176% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,397 |
| Loan loss allowance to noncurrent loans | 101.9231% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 2,177 |
| Noncurrent loans to loans | 1.0963% | 1,754 |
| Net loans and leases to total assets | 69.3099% | 2,662 |
| Net loans and leases to deposits | 88.8341% | 1,950 |
| Net loans and leases to core deposits | 95.7733% | 2,103 |
| Total domestic deposits to total assets | 78.0217% | 4,723 |
| Equity capital to assets | 10.3045% | 3,585 |
| Core capital (leverage) ratio | 10.4184% | 3,068 |
| Tier 1 risk-based capital ratio | 17.1309% | 2,122 |
| Total risk-based capital ratio | 18.3812% | 2,078 |
| Memoranda: | ||
| Average total assets | $177,911,500 | 3,171 |
| Average earning assets | $168,421,750 | 3,118 |
| Average equity | $18,556,750 | 3,322 |
| Average total loans | $127,445,000 | 2,975 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 848 |
| Cost of funding earning assets | 0.9529% | 219 |
| Net interest margin | 3.8547% | 2,080 |
| Noninterest income to average assets | 0.5343% | 2,800 |
| Noninterest expense to average assets | 3.0390% | 2,016 |
| Loan and lease loss provision to assets | 0.0556% | 2,862 |
| Net operating income to assets | 0.7383% | 3,679 |
| Return on assets (ROA) | 0.7260% | 3,796 |
| Pretax return on assets | 1.0697% | 3,298 |
| Return on Equity (ROE) | 6.9315% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.6608% | 1,763 |
| Net charge-offs to loans | 0.0456% | 2,299 |
| Credit loss provision to net charge-offs | 168.9655% | 1,412 |
| Earnings coverage of net charge-offs (x) | 34.7586% | 1,359 |
| Efficiency ratio | 72.6607% | 2,238 |
| Assets per employee ($millions) | 3.0186% | 5,254 |
| Cash dividends to net income (ytd only)* | 3.9063% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,540 |
| Loan loss allowance to noncurrent loans | 88.1701% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 1,937 |
| Noncurrent loans to loans | 1.2565% | 1,535 |
| Net loans and leases to total assets | 71.7241% | 2,246 |
| Net loans and leases to deposits | 93.3375% | 1,328 |
| Net loans and leases to core deposits | 100.5882% | 1,611 |
| Total domestic deposits to total assets | 76.8438% | 4,983 |
| Equity capital to assets | 10.5500% | 3,279 |
| Core capital (leverage) ratio | 10.6044% | 2,809 |
| Tier 1 risk-based capital ratio | 17.4283% | 2,028 |
| Total risk-based capital ratio | 18.6785% | 1,987 |
| Memoranda: | ||
| Average total assets | $176,309,670 | 3,204 |
| Average earning assets | $166,859,330 | 3,152 |
| Average equity | $18,466,330 | 3,338 |
| Average total loans | $127,236,000 | 2,985 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 689 |
| Cost of funding earning assets | 0.9598% | 202 |
| Net interest margin | 3.8873% | 1,828 |
| Noninterest income to average assets | 0.5381% | 2,718 |
| Noninterest expense to average assets | 3.0738% | 1,939 |
| Loan and lease loss provision to assets | 0.0388% | 3,023 |
| Net operating income to assets | 0.7454% | 3,497 |
| Return on assets (ROA) | 0.7206% | 3,659 |
| Pretax return on assets | 1.0649% | 3,111 |
| Return on Equity (ROE) | 6.9052% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.9052% | 1,885 |
| Net charge-offs to loans | 0.0760% | 1,576 |
| Credit loss provision to net charge-offs | 70.8333% | 1,832 |
| Earnings coverage of net charge-offs (x) | 20.8333% | 1,473 |
| Efficiency ratio | 72.9437% | 2,415 |
| Assets per employee ($millions) | 3.0336% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,699 |
| Loan loss allowance to noncurrent loans | 136.5759% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 2,848 |
| Noncurrent loans to loans | 0.8081% | 2,432 |
| Net loans and leases to total assets | 71.4993% | 2,139 |
| Net loans and leases to deposits | 94.7547% | 1,039 |
| Net loans and leases to core deposits | 102.3496% | 1,344 |
| Total domestic deposits to total assets | 75.4572% | 5,293 |
| Equity capital to assets | 10.4967% | 3,188 |
| Core capital (leverage) ratio | 10.5214% | 2,879 |
| Tier 1 risk-based capital ratio | 17.5680% | 2,017 |
| Total risk-based capital ratio | 18.8182% | 1,969 |
| Memoranda: | ||
| Average total assets | $175,417,000 | 3,246 |
| Average earning assets | $165,874,500 | 3,193 |
| Average equity | $18,305,000 | 3,372 |
| Average total loans | $126,270,000 | 3,021 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 823 |
| Cost of funding earning assets | 1.0039% | 169 |
| Net interest margin | 3.8347% | 2,190 |
| Noninterest income to average assets | 0.5617% | 2,861 |
| Noninterest expense to average assets | 3.0745% | 2,108 |
| Loan and lease loss provision to assets | 0.0907% | 2,544 |
| Net operating income to assets | 0.6847% | 3,846 |
| Return on assets (ROA) | 0.6847% | 3,963 |
| Pretax return on assets | 1.0146% | 3,426 |
| Return on Equity (ROE) | 6.8124% | 3,575 |
| Retained earnings to average equity (ytd only) | 4.9232% | 2,393 |
| Net charge-offs to loans | 0.0741% | 2,639 |
| Credit loss provision to net charge-offs | 173.9130% | 1,595 |
| Earnings coverage of net charge-offs (x) | 21.1957% | 1,809 |
| Efficiency ratio | 73.5557% | 2,343 |
| Assets per employee ($millions) | 3.1229% | 5,241 |
| Cash dividends to net income (ytd only)* | 27.7318% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,568 |
| Loan loss allowance to noncurrent loans | 91.5045% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 2,029 |
| Noncurrent loans to loans | 1.2303% | 1,668 |
| Net loans and leases to total assets | 70.8595% | 2,356 |
| Net loans and leases to deposits | 93.9565% | 1,196 |
| Net loans and leases to core deposits | 101.1839% | 1,519 |
| Total domestic deposits to total assets | 75.4174% | 5,308 |
| Equity capital to assets | 10.3732% | 3,302 |
| Core capital (leverage) ratio | 10.3081% | 3,099 |
| Tier 1 risk-based capital ratio | 17.4131% | 2,030 |
| Total risk-based capital ratio | 18.6644% | 1,990 |
| Memoranda: | ||
| Average total assets | $176,421,000 | 3,201 |
| Average earning assets | $166,453,800 | 3,157 |
| Average equity | $17,732,400 | 3,450 |
| Average total loans | $124,091,800 | 3,008 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 824 |
| Cost of funding earning assets | 1.0096% | 165 |
| Net interest margin | 3.8313% | 2,223 |
| Noninterest income to average assets | 0.5686% | 2,824 |
| Noninterest expense to average assets | 3.1220% | 1,970 |
| Loan and lease loss provision to assets | 0.1131% | 2,042 |
| Net operating income to assets | 0.6433% | 4,110 |
| Return on assets (ROA) | 0.6433% | 4,236 |
| Pretax return on assets | 0.9479% | 3,820 |
| Return on Equity (ROE) | 6.4508% | 3,859 |
| Retained earnings to average equity (ytd only) | 3.9174% | 3,511 |
| Net charge-offs to loans | 0.0722% | 2,281 |
| Credit loss provision to net charge-offs | 223.8806% | 1,318 |
| Earnings coverage of net charge-offs (x) | 21.0002% | 1,836 |
| Efficiency ratio | 74.6349% | 2,169 |
| Assets per employee ($millions) | 2.8743% | 5,490 |
| Cash dividends to net income (ytd only)* | 39.2737% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,600 |
| Loan loss allowance to noncurrent loans | 147.7720% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 3,143 |
| Noncurrent loans to loans | 0.7725% | 2,740 |
| Net loans and leases to total assets | 70.4296% | 2,430 |
| Net loans and leases to deposits | 92.4269% | 1,441 |
| Net loans and leases to core deposits | 99.4355% | 1,689 |
| Total domestic deposits to total assets | 76.2003% | 5,209 |
| Equity capital to assets | 10.1754% | 3,949 |
| Core capital (leverage) ratio | 10.0504% | 3,502 |
| Tier 1 risk-based capital ratio | 17.2442% | 2,153 |
| Total risk-based capital ratio | 18.4956% | 2,110 |
| Memoranda: | ||
| Average total assets | $176,805,250 | 3,216 |
| Average earning assets | $166,797,750 | 3,169 |
| Average equity | $17,630,250 | 3,491 |
| Average total loans | $123,781,500 | 3,019 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 871 |
| Cost of funding earning assets | 1.0155% | 157 |
| Net interest margin | 3.7915% | 2,358 |
| Noninterest income to average assets | 0.5505% | 2,898 |
| Noninterest expense to average assets | 3.1462% | 1,939 |
| Loan and lease loss provision to assets | 0.1117% | 2,008 |
| Net operating income to assets | 0.5911% | 4,317 |
| Return on assets (ROA) | 0.5911% | 4,438 |
| Pretax return on assets | 0.8686% | 4,053 |
| Return on Equity (ROE) | 5.9681% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.5695% | 2,380 |
| Net charge-offs to loans | 0.0956% | 1,885 |
| Credit loss provision to net charge-offs | 167.7966% | 1,473 |
| Earnings coverage of net charge-offs (x) | 14.7288% | 2,046 |
| Efficiency ratio | 76.2438% | 2,045 |
| Assets per employee ($millions) | 2.9551% | 5,474 |
| Cash dividends to net income (ytd only)* | 6.6794% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,862 |
| Loan loss allowance to noncurrent loans | 126.3014% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 3,036 |
| Noncurrent loans to loans | 0.8836% | 2,527 |
| Net loans and leases to total assets | 69.1101% | 2,615 |
| Net loans and leases to deposits | 90.8595% | 1,647 |
| Net loans and leases to core deposits | 97.1205% | 1,880 |
| Total domestic deposits to total assets | 76.0626% | 5,277 |
| Equity capital to assets | 10.0370% | 4,179 |
| Core capital (leverage) ratio | 9.9909% | 3,573 |
| Tier 1 risk-based capital ratio | 17.2575% | 2,142 |
| Total risk-based capital ratio | 18.5081% | 2,105 |
| Memoranda: | ||
| Average total assets | $177,295,670 | 3,223 |
| Average earning assets | $167,214,670 | 3,178 |
| Average equity | $17,560,000 | 3,505 |
| Average total loans | $123,404,330 | 3,029 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 794 |
| Cost of funding earning assets | 1.0197% | 148 |
| Net interest margin | 3.8131% | 2,244 |
| Noninterest income to average assets | 0.5776% | 2,649 |
| Noninterest expense to average assets | 3.1383% | 1,992 |
| Loan and lease loss provision to assets | 0.1354% | 1,557 |
| Net operating income to assets | 0.6092% | 4,138 |
| Return on assets (ROA) | 0.6092% | 4,258 |
| Pretax return on assets | 0.8980% | 3,850 |
| Return on Equity (ROE) | 6.1920% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.1920% | 2,282 |
| Net charge-offs to loans | 0.1397% | 1,274 |
| Credit loss provision to net charge-offs | 139.5349% | 1,318 |
| Earnings coverage of net charge-offs (x) | 10.6512% | 1,910 |
| Efficiency ratio | 75.2299% | 2,291 |
| Assets per employee ($millions) | 2.8309% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 4,046 |
| Loan loss allowance to noncurrent loans | 232.0819% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 3,391 |
| Noncurrent loans to loans | 0.4739% | 3,758 |
| Net loans and leases to total assets | 68.5699% | 2,565 |
| Net loans and leases to deposits | 90.2810% | 1,547 |
| Net loans and leases to core deposits | 96.5941% | 1,737 |
| Total domestic deposits to total assets | 75.9517% | 5,414 |
| Equity capital to assets | 9.8472% | 4,275 |
| Core capital (leverage) ratio | 9.8588% | 3,711 |
| Tier 1 risk-based capital ratio | 16.7730% | 2,367 |
| Total risk-based capital ratio | 18.0230% | 2,316 |
| Memoranda: | ||
| Average total assets | $177,291,500 | 3,226 |
| Average earning assets | $167,108,500 | 3,187 |
| Average equity | $17,442,000 | 3,519 |
| Average total loans | $123,147,500 | 3,041 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 729 |
| Cost of funding earning assets | 1.0251% | 148 |
| Net interest margin | 3.8978% | 2,037 |
| Noninterest income to average assets | 0.5376% | 3,091 |
| Noninterest expense to average assets | 3.1060% | 2,220 |
| Loan and lease loss provision to assets | 0.0568% | 3,174 |
| Net operating income to assets | 0.7138% | 3,741 |
| Return on assets (ROA) | 0.7138% | 3,856 |
| Pretax return on assets | 1.0486% | 3,271 |
| Return on Equity (ROE) | 7.4267% | 3,291 |
| Retained earnings to average equity (ytd only) | 5.4754% | 2,090 |
| Net charge-offs to loans | 0.2344% | 1,270 |
| Credit loss provision to net charge-offs | 34.8432% | 3,593 |
| Earnings coverage of net charge-offs (x) | 6.7770% | 3,173 |
| Efficiency ratio | 73.7517% | 2,621 |
| Assets per employee ($millions) | 2.7974% | 5,708 |
| Cash dividends to net income (ytd only)* | 26.2739% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 4,080 |
| Loan loss allowance to noncurrent loans | 191.5835% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 3,358 |
| Noncurrent loans to loans | 0.5716% | 3,459 |
| Net loans and leases to total assets | 68.8279% | 2,569 |
| Net loans and leases to deposits | 90.6273% | 1,542 |
| Net loans and leases to core deposits | 96.9694% | 1,758 |
| Total domestic deposits to total assets | 75.9462% | 5,445 |
| Equity capital to assets | 9.8288% | 4,160 |
| Core capital (leverage) ratio | 9.7046% | 3,899 |
| Tier 1 risk-based capital ratio | 17.0005% | 2,281 |
| Total risk-based capital ratio | 18.2509% | 2,230 |
| Memoranda: | ||
| Average total assets | $175,952,000 | 3,219 |
| Average earning assets | $165,838,200 | 3,177 |
| Average equity | $16,912,000 | 3,538 |
| Average total loans | $122,432,400 | 3,015 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 735 |
| Cost of funding earning assets | 1.0280% | 157 |
| Net interest margin | 3.8925% | 2,058 |
| Noninterest income to average assets | 0.5299% | 3,165 |
| Noninterest expense to average assets | 3.0459% | 2,381 |
| Loan and lease loss provision to assets | 0.0925% | 2,321 |
| Net operating income to assets | 0.7217% | 3,809 |
| Return on assets (ROA) | 0.7217% | 3,912 |
| Pretax return on assets | 1.0598% | 3,381 |
| Return on Equity (ROE) | 7.5511% | 3,309 |
| Retained earnings to average equity (ytd only) | 4.9336% | 2,955 |
| Net charge-offs to loans | 0.0294% | 3,343 |
| Credit loss provision to net charge-offs | 451.8519% | 698 |
| Earnings coverage of net charge-offs (x) | 56.2950% | 959 |
| Efficiency ratio | 72.5533% | 2,782 |
| Assets per employee ($millions) | 2.8982% | 5,652 |
| Cash dividends to net income (ytd only)* | 34.6640% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 3,096 |
| Loan loss allowance to noncurrent loans | 110.1017% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 2,787 |
| Noncurrent loans to loans | 1.1804% | 2,168 |
| Net loans and leases to total assets | 69.7622% | 2,425 |
| Net loans and leases to deposits | 91.8949% | 1,421 |
| Net loans and leases to core deposits | 97.9953% | 1,698 |
| Total domestic deposits to total assets | 75.9152% | 5,500 |
| Equity capital to assets | 9.6317% | 4,598 |
| Core capital (leverage) ratio | 9.4581% | 4,355 |
| Tier 1 risk-based capital ratio | 16.0781% | 2,762 |
| Total risk-based capital ratio | 17.3315% | 2,716 |
| Memoranda: | ||
| Average total assets | $175,880,500 | 3,251 |
| Average earning assets | $165,749,750 | 3,204 |
| Average equity | $16,809,500 | 3,584 |
| Average total loans | $122,379,500 | 3,037 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 715 |
| Cost of funding earning assets | 1.0318% | 147 |
| Net interest margin | 3.8766% | 2,057 |
| Noninterest income to average assets | 0.4966% | 3,398 |
| Noninterest expense to average assets | 3.0517% | 2,395 |
| Loan and lease loss provision to assets | 0.0410% | 3,292 |
| Net operating income to assets | 0.7188% | 3,801 |
| Return on assets (ROA) | 0.7188% | 3,919 |
| Pretax return on assets | 1.0548% | 3,359 |
| Return on Equity (ROE) | 7.5403% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.5403% | 1,454 |
| Net charge-offs to loans | 0.0411% | 2,865 |
| Credit loss provision to net charge-offs | 144.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 38.4800% | 1,158 |
| Efficiency ratio | 73.5787% | 2,739 |
| Assets per employee ($millions) | 2.8851% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,482 |
| Loan loss allowance to noncurrent loans | 164.1108% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 3,788 |
| Noncurrent loans to loans | 0.7644% | 3,202 |
| Net loans and leases to total assets | 68.9219% | 2,497 |
| Net loans and leases to deposits | 91.3290% | 1,444 |
| Net loans and leases to core deposits | 98.3021% | 1,627 |
| Total domestic deposits to total assets | 75.4655% | 5,656 |
| Equity capital to assets | 9.6819% | 4,428 |
| Core capital (leverage) ratio | 9.5279% | 4,245 |
| Tier 1 risk-based capital ratio | 16.3422% | 2,693 |
| Total risk-based capital ratio | 17.5943% | 2,650 |
| Memoranda: | ||
| Average total assets | $175,576,670 | 3,276 |
| Average earning assets | $165,349,330 | 3,233 |
| Average equity | $16,736,670 | 3,605 |
| Average total loans | $121,520,000 | 3,061 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 669 |
| Cost of funding earning assets | 1.0391% | 142 |
| Net interest margin | 3.8802% | 1,964 |
| Noninterest income to average assets | 0.5041% | 3,258 |
| Noninterest expense to average assets | 3.0929% | 2,297 |
| Loan and lease loss provision to assets | 0.0365% | 3,170 |
| Net operating income to assets | 0.7002% | 3,796 |
| Return on assets (ROA) | 0.7002% | 3,923 |
| Pretax return on assets | 1.0287% | 3,387 |
| Return on Equity (ROE) | 7.4041% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.4041% | 1,808 |
| Net charge-offs to loans | 0.0165% | 2,837 |
| Credit loss provision to net charge-offs | 320.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 524 |
| Efficiency ratio | 74.3829% | 2,749 |
| Assets per employee ($millions) | 3.0809% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 3,496 |
| Loan loss allowance to noncurrent loans | 139.4570% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 3,231 |
| Noncurrent loans to loans | 0.9202% | 2,940 |
| Net loans and leases to total assets | 67.4994% | 2,530 |
| Net loans and leases to deposits | 89.5646% | 1,433 |
| Net loans and leases to core deposits | 96.0895% | 1,605 |
| Total domestic deposits to total assets | 75.3639% | 5,799 |
| Equity capital to assets | 9.5364% | 4,704 |
| Core capital (leverage) ratio | 9.5006% | 4,274 |
| Tier 1 risk-based capital ratio | 16.4107% | 2,728 |
| Total risk-based capital ratio | 17.6640% | 2,666 |
| Memoranda: | ||
| Average total assets | $175,370,500 | 3,297 |
| Average earning assets | $165,144,000 | 3,248 |
| Average equity | $16,585,500 | 3,654 |
| Average total loans | $120,862,000 | 3,084 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 774 |
| Cost of funding earning assets | 1.1239% | 119 |
| Net interest margin | 3.8771% | 2,330 |
| Noninterest income to average assets | 0.5365% | 3,260 |
| Noninterest expense to average assets | 3.1757% | 2,273 |
| Loan and lease loss provision to assets | 0.0501% | 3,559 |
| Net operating income to assets | 0.6749% | 4,015 |
| Return on assets (ROA) | 0.6749% | 4,128 |
| Pretax return on assets | 0.9631% | 3,635 |
| Return on Equity (ROE) | 7.4530% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.2580% | 1,778 |
| Net charge-offs to loans | 0.0746% | 3,420 |
| Credit loss provision to net charge-offs | 97.7778% | 2,478 |
| Earnings coverage of net charge-offs (x) | 19.7667% | 1,759 |
| Efficiency ratio | 75.8124% | 2,542 |
| Assets per employee ($millions) | 3.0195% | 5,674 |
| Cash dividends to net income (ytd only)* | 16.0338% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 3,680 |
| Loan loss allowance to noncurrent loans | 125.8224% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 3,067 |
| Noncurrent loans to loans | 0.9996% | 2,832 |
| Net loans and leases to total assets | 68.5872% | 2,474 |
| Net loans and leases to deposits | 92.9993% | 1,183 |
| Net loans and leases to core deposits | 99.6673% | 1,415 |
| Total domestic deposits to total assets | 73.7502% | 5,966 |
| Equity capital to assets | 9.3782% | 4,880 |
| Core capital (leverage) ratio | 9.3466% | 4,468 |
| Tier 1 risk-based capital ratio | 15.6496% | 3,155 |
| Total risk-based capital ratio | 16.9020% | 3,085 |
| Memoranda: | ||
| Average total assets | $175,586,000 | 3,265 |
| Average earning assets | $165,409,000 | 3,211 |
| Average equity | $15,899,600 | 3,682 |
| Average total loans | $120,563,200 | 3,026 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 809 |
| Cost of funding earning assets | 1.1395% | 114 |
| Net interest margin | 3.8325% | 2,502 |
| Noninterest income to average assets | 0.5266% | 3,345 |
| Noninterest expense to average assets | 3.2099% | 2,142 |
| Loan and lease loss provision to assets | 0.0637% | 3,076 |
| Net operating income to assets | 0.6101% | 4,401 |
| Return on assets (ROA) | 0.6101% | 4,490 |
| Pretax return on assets | 0.8643% | 4,127 |
| Return on Equity (ROE) | 6.7982% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.1917% | 2,960 |
| Net charge-offs to loans | 0.1097% | 2,701 |
| Credit loss provision to net charge-offs | 84.8485% | 2,507 |
| Earnings coverage of net charge-offs (x) | 12.3533% | 2,326 |
| Efficiency ratio | 77.5720% | 2,255 |
| Assets per employee ($millions) | 2.9632% | 5,773 |
| Cash dividends to net income (ytd only)* | 23.6322% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 3,828 |
| Loan loss allowance to noncurrent loans | 115.6250% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 3,202 |
| Noncurrent loans to loans | 1.0963% | 2,876 |
| Net loans and leases to total assets | 67.5845% | 2,600 |
| Net loans and leases to deposits | 89.1764% | 1,528 |
| Net loans and leases to core deposits | 94.3452% | 1,824 |
| Total domestic deposits to total assets | 75.7875% | 5,848 |
| Equity capital to assets | 9.1691% | 5,184 |
| Core capital (leverage) ratio | 9.0573% | 4,988 |
| Tier 1 risk-based capital ratio | 15.6105% | 3,255 |
| Total risk-based capital ratio | 16.8633% | 3,194 |
| Memoranda: | ||
| Average total assets | $175,700,250 | 3,282 |
| Average earning assets | $165,562,250 | 3,237 |
| Average equity | $15,768,500 | 3,725 |
| Average total loans | $120,292,500 | 3,047 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9533% | 812 |
| Cost of funding earning assets | 1.1530% | 110 |
| Net interest margin | 3.8003% | 2,572 |
| Noninterest income to average assets | 0.5068% | 3,432 |
| Noninterest expense to average assets | 3.2422% | 2,067 |
| Loan and lease loss provision to assets | 0.0330% | 3,628 |
| Net operating income to assets | 0.5739% | 4,487 |
| Return on assets (ROA) | 0.5739% | 4,593 |
| Pretax return on assets | 0.8125% | 4,225 |
| Return on Equity (ROE) | 6.4408% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.0582% | 2,283 |
| Net charge-offs to loans | 0.1295% | 2,372 |
| Credit loss provision to net charge-offs | 37.1795% | 2,963 |
| Earnings coverage of net charge-offs (x) | 9.5385% | 2,347 |
| Efficiency ratio | 79.3161% | 2,122 |
| Assets per employee ($millions) | 3.1605% | 5,483 |
| Cash dividends to net income (ytd only)* | 5.9406% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,268 |
| Loan loss allowance to noncurrent loans | 138.5981% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 3,725 |
| Noncurrent loans to loans | 0.8880% | 3,483 |
| Net loans and leases to total assets | 67.2430% | 2,540 |
| Net loans and leases to deposits | 88.7580% | 1,506 |
| Net loans and leases to core deposits | 94.1759% | 1,755 |
| Total domestic deposits to total assets | 75.7599% | 5,940 |
| Equity capital to assets | 8.9854% | 5,317 |
| Core capital (leverage) ratio | 8.9536% | 5,090 |
| Tier 1 risk-based capital ratio | 15.3914% | 3,416 |
| Total risk-based capital ratio | 16.6435% | 3,357 |
| Memoranda: | ||
| Average total assets | $175,991,330 | 3,298 |
| Average earning assets | $165,828,000 | 3,250 |
| Average equity | $15,681,330 | 3,747 |
| Average total loans | $120,499,000 | 3,050 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 738 |
| Cost of funding earning assets | 1.1669% | 109 |
| Net interest margin | 3.8177% | 2,394 |
| Noninterest income to average assets | 0.4832% | 3,543 |
| Noninterest expense to average assets | 3.2822% | 1,985 |
| Loan and lease loss provision to assets | 0.0296% | 3,433 |
| Net operating income to assets | 0.5425% | 4,489 |
| Return on assets (ROA) | 0.5425% | 4,562 |
| Pretax return on assets | 0.7658% | 4,245 |
| Return on Equity (ROE) | 6.1141% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.1141% | 2,477 |
| Net charge-offs to loans | 0.0631% | 2,528 |
| Credit loss provision to net charge-offs | 68.4211% | 2,020 |
| Earnings coverage of net charge-offs (x) | 18.3684% | 1,420 |
| Efficiency ratio | 80.4919% | 2,130 |
| Assets per employee ($millions) | 3.0840% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 4,264 |
| Loan loss allowance to noncurrent loans | 102.4161% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 3,608 |
| Noncurrent loans to loans | 1.2423% | 2,970 |
| Net loans and leases to total assets | 67.3597% | 2,328 |
| Net loans and leases to deposits | 89.3331% | 1,219 |
| Net loans and leases to core deposits | 94.6523% | 1,496 |
| Total domestic deposits to total assets | 75.4029% | 6,127 |
| Equity capital to assets | 8.9283% | 5,187 |
| Core capital (leverage) ratio | 8.8223% | 5,243 |
| Tier 1 risk-based capital ratio | 15.3563% | 3,519 |
| Total risk-based capital ratio | 16.6100% | 3,471 |
| Memoranda: | ||
| Average total assets | $175,493,000 | 3,326 |
| Average earning assets | $165,229,000 | 3,276 |
| Average equity | $15,570,500 | 3,773 |
| Average total loans | $120,501,000 | 3,064 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 780 |
| Cost of funding earning assets | 1.2542% | 138 |
| Net interest margin | 3.8329% | 2,526 |
| Noninterest income to average assets | 0.4789% | 3,897 |
| Noninterest expense to average assets | 2.9509% | 3,195 |
| Loan and lease loss provision to assets | 0.2897% | 1,177 |
| Net operating income to assets | 0.5920% | 4,302 |
| Return on assets (ROA) | 0.5920% | 4,412 |
| Pretax return on assets | 0.8514% | 3,955 |
| Return on Equity (ROE) | 6.8799% | 3,632 |
| Retained earnings to average equity (ytd only) | 5.4521% | 2,310 |
| Net charge-offs to loans | 0.1233% | 3,575 |
| Credit loss provision to net charge-offs | 344.8980% | 658 |
| Earnings coverage of net charge-offs (x) | 13.5850% | 2,009 |
| Efficiency ratio | 72.1128% | 3,456 |
| Assets per employee ($millions) | 2.9694% | 5,875 |
| Cash dividends to net income (ytd only)* | 20.7529% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,318 |
| Loan loss allowance to noncurrent loans | 103.8644% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 3,487 |
| Noncurrent loans to loans | 1.2184% | 3,109 |
| Net loans and leases to total assets | 68.2278% | 2,315 |
| Net loans and leases to deposits | 91.2737% | 1,133 |
| Net loans and leases to core deposits | 96.2230% | 1,436 |
| Total domestic deposits to total assets | 74.7507% | 6,221 |
| Equity capital to assets | 8.8164% | 5,238 |
| Core capital (leverage) ratio | 8.7157% | 5,402 |
| Tier 1 risk-based capital ratio | 14.9500% | 3,699 |
| Total risk-based capital ratio | 16.2033% | 3,643 |
| Memoranda: | ||
| Average total assets | $174,998,600 | 3,333 |
| Average earning assets | $164,968,000 | 3,280 |
| Average equity | $15,058,400 | 3,859 |
| Average total loans | $119,244,400 | 3,053 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1194% | 748 |
| Cost of funding earning assets | 1.2675% | 144 |
| Net interest margin | 3.8519% | 2,457 |
| Noninterest income to average assets | 0.4717% | 3,991 |
| Noninterest expense to average assets | 2.9349% | 3,189 |
| Loan and lease loss provision to assets | 0.2949% | 1,159 |
| Net operating income to assets | 0.6082% | 4,311 |
| Return on assets (ROA) | 0.6082% | 4,437 |
| Pretax return on assets | 0.8757% | 3,986 |
| Return on Equity (ROE) | 7.1114% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.1954% | 2,935 |
| Net charge-offs to loans | 0.0247% | 4,635 |
| Credit loss provision to net charge-offs | 1,759.0909% | 190 |
| Earnings coverage of net charge-offs (x) | 69.8244% | 667 |
| Efficiency ratio | 71.4869% | 3,510 |
| Assets per employee ($millions) | 2.9898% | 5,868 |
| Cash dividends to net income (ytd only)* | 26.9425% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,656 |
| Loan loss allowance to noncurrent loans | 205.3405% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 5,028 |
| Noncurrent loans to loans | 0.6071% | 4,681 |
| Net loans and leases to total assets | 69.0722% | 2,130 |
| Net loans and leases to deposits | 92.3298% | 958 |
| Net loans and leases to core deposits | 97.3179% | 1,283 |
| Total domestic deposits to total assets | 74.8102% | 6,298 |
| Equity capital to assets | 8.6292% | 5,594 |
| Core capital (leverage) ratio | 8.5630% | 5,708 |
| Tier 1 risk-based capital ratio | 14.7267% | 3,928 |
| Total risk-based capital ratio | 15.9801% | 3,892 |
| Memoranda: | ||
| Average total assets | $174,949,000 | 3,363 |
| Average earning assets | $165,040,500 | 3,307 |
| Average equity | $14,961,500 | 3,920 |
| Average total loans | $118,789,250 | 3,082 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 833 |
| Cost of funding earning assets | 1.2861% | 153 |
| Net interest margin | 3.7708% | 2,671 |
| Noninterest income to average assets | 0.4413% | 4,238 |
| Noninterest expense to average assets | 2.9244% | 3,259 |
| Loan and lease loss provision to assets | 0.2602% | 1,423 |
| Net operating income to assets | 0.5652% | 4,478 |
| Return on assets (ROA) | 0.5652% | 4,645 |
| Pretax return on assets | 0.8093% | 4,277 |
| Return on Equity (ROE) | 6.6287% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.7547% | 2,581 |
| Net charge-offs to loans | -0.0017% | 5,522 |
| Credit loss provision to net charge-offs | -22,700.0000% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2204% | 3,274 |
| Assets per employee ($millions) | 2.9071% | 6,011 |
| Cash dividends to net income (ytd only)* | 13.1846% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,152 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 4,265 |
| Noncurrent loans to loans | 1.1100% | 3,713 |
| Net loans and leases to total assets | 67.8915% | 2,263 |
| Net loans and leases to deposits | 91.1897% | 1,037 |
| Net loans and leases to core deposits | 95.7037% | 1,380 |
| Total domestic deposits to total assets | 74.4508% | 6,407 |
| Equity capital to assets | 8.6427% | 5,621 |
| Core capital (leverage) ratio | 8.4957% | 5,676 |
| Tier 1 risk-based capital ratio | 14.9306% | 3,820 |
| Total risk-based capital ratio | 16.1828% | 3,785 |
| Memoranda: | ||
| Average total assets | $174,465,000 | 3,381 |
| Average earning assets | $164,368,000 | 3,333 |
| Average equity | $14,874,670 | 3,970 |
| Average total loans | $117,258,330 | 3,122 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 793 |
| Cost of funding earning assets | 1.3085% | 151 |
| Net interest margin | 3.7598% | 2,613 |
| Noninterest income to average assets | 0.4745% | 3,966 |
| Noninterest expense to average assets | 2.9183% | 3,277 |
| Loan and lease loss provision to assets | 0.0458% | 3,843 |
| Net operating income to assets | 0.7221% | 3,580 |
| Return on assets (ROA) | 0.7221% | 3,717 |
| Pretax return on assets | 1.0477% | 3,157 |
| Return on Equity (ROE) | 8.5282% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.7684% | 2,269 |
| Net charge-offs to loans | -0.0138% | 5,560 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7429% | 3,477 |
| Assets per employee ($millions) | 2.9877% | 6,013 |
| Cash dividends to net income (ytd only)* | 20.6349% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 5,843 |
| Loan loss allowance to noncurrent loans | 152.1628% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 4,808 |
| Noncurrent loans to loans | 0.6822% | 4,764 |
| Net loans and leases to total assets | 64.6826% | 2,587 |
| Net loans and leases to deposits | 86.4028% | 1,305 |
| Net loans and leases to core deposits | 90.7888% | 1,630 |
| Total domestic deposits to total assets | 74.8617% | 6,467 |
| Equity capital to assets | 8.4568% | 6,058 |
| Core capital (leverage) ratio | 8.4487% | 5,647 |
| Tier 1 risk-based capital ratio | 14.9947% | 3,839 |
| Total risk-based capital ratio | 16.2162% | 3,827 |
| Memoranda: | ||
| Average total assets | $174,485,500 | 3,425 |
| Average earning assets | $164,159,000 | 3,372 |
| Average equity | $14,774,500 | 4,041 |
| Average total loans | $115,978,000 | 3,158 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 824 |
| Cost of funding earning assets | 1.4656% | 194 |
| Net interest margin | 3.8844% | 2,896 |
| Noninterest income to average assets | 0.5162% | 3,800 |
| Noninterest expense to average assets | 2.9687% | 3,391 |
| Loan and lease loss provision to assets | 0.1058% | 4,316 |
| Net operating income to assets | 0.7467% | 3,526 |
| Return on assets (ROA) | 0.7467% | 3,769 |
| Pretax return on assets | 1.0884% | 3,203 |
| Return on Equity (ROE) | 8.9863% | 2,641 |
| Retained earnings to average equity (ytd only) | 7.5358% | 1,319 |
| Net charge-offs to loans | 0.1057% | 4,610 |
| Credit loss provision to net charge-offs | 151.2605% | 1,802 |
| Earnings coverage of net charge-offs (x) | 17.0672% | 1,533 |
| Efficiency ratio | 71.3136% | 3,566 |
| Assets per employee ($millions) | 2.9271% | 6,115 |
| Cash dividends to net income (ytd only)* | 16.1417% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,942 |
| Loan loss allowance to noncurrent loans | 348.0712% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 5,433 |
| Noncurrent loans to loans | 0.2887% | 5,759 |
| Net loans and leases to total assets | 66.9197% | 2,380 |
| Net loans and leases to deposits | 90.7769% | 999 |
| Net loans and leases to core deposits | 94.7644% | 1,401 |
| Total domestic deposits to total assets | 73.7189% | 6,559 |
| Equity capital to assets | 8.4784% | 6,069 |
| Core capital (leverage) ratio | 8.3387% | 5,841 |
| Tier 1 risk-based capital ratio | 14.7744% | 3,852 |
| Total risk-based capital ratio | 15.9755% | 3,833 |
| Memoranda: | ||
| Average total assets | $170,073,800 | 3,452 |
| Average earning assets | $159,662,600 | 3,385 |
| Average equity | $14,132,600 | 4,129 |
| Average total loans | $112,616,600 | 3,238 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 868 |
| Cost of funding earning assets | 1.4977% | 204 |
| Net interest margin | 3.8811% | 2,979 |
| Noninterest income to average assets | 0.5367% | 3,699 |
| Noninterest expense to average assets | 2.9363% | 3,458 |
| Loan and lease loss provision to assets | 0.0929% | 4,432 |
| Net operating income to assets | 0.7854% | 3,527 |
| Return on assets (ROA) | 0.7854% | 3,767 |
| Pretax return on assets | 1.1459% | 3,175 |
| Return on Equity (ROE) | 9.5009% | 2,587 |
| Retained earnings to average equity (ytd only) | 7.5494% | 1,825 |
| Net charge-offs to loans | 0.0514% | 4,937 |
| Credit loss provision to net charge-offs | 274.4186% | 992 |
| Earnings coverage of net charge-offs (x) | 36.6058% | 941 |
| Efficiency ratio | 70.3299% | 3,626 |
| Assets per employee ($millions) | 3.0644% | 5,940 |
| Cash dividends to net income (ytd only)* | 20.5414% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 5,928 |
| Loan loss allowance to noncurrent loans | 344.0580% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 5,645 |
| Noncurrent loans to loans | 0.3028% | 5,883 |
| Net loans and leases to total assets | 65.6910% | 2,712 |
| Net loans and leases to deposits | 87.2774% | 1,443 |
| Net loans and leases to core deposits | 90.8652% | 1,884 |
| Total domestic deposits to total assets | 75.2669% | 6,481 |
| Equity capital to assets | 8.3994% | 6,355 |
| Core capital (leverage) ratio | 8.2765% | 6,053 |
| Tier 1 risk-based capital ratio | 15.0986% | 3,774 |
| Total risk-based capital ratio | 16.3486% | 3,730 |
| Memoranda: | ||
| Average total assets | $169,417,750 | 3,499 |
| Average earning assets | $158,818,000 | 3,431 |
| Average equity | $14,005,250 | 4,189 |
| Average total loans | $111,585,250 | 3,287 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 843 |
| Cost of funding earning assets | 1.5311% | 211 |
| Net interest margin | 3.8859% | 2,971 |
| Noninterest income to average assets | 0.5300% | 3,726 |
| Noninterest expense to average assets | 2.8929% | 3,650 |
| Loan and lease loss provision to assets | 0.0866% | 4,503 |
| Net operating income to assets | 0.8169% | 3,316 |
| Return on assets (ROA) | 0.8169% | 3,578 |
| Pretax return on assets | 1.1916% | 2,962 |
| Return on Equity (ROE) | 9.9358% | 2,384 |
| Retained earnings to average equity (ytd only) | 8.9985% | 1,278 |
| Net charge-offs to loans | 0.0144% | 5,231 |
| Credit loss provision to net charge-offs | 912.5000% | 358 |
| Earnings coverage of net charge-offs (x) | 134.7500% | 332 |
| Efficiency ratio | 69.3576% | 3,875 |
| Assets per employee ($millions) | 3.0472% | 5,964 |
| Cash dividends to net income (ytd only)* | 9.4340% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 5,952 |
| Loan loss allowance to noncurrent loans | 286.1314% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 5,472 |
| Noncurrent loans to loans | 0.3675% | 5,806 |
| Net loans and leases to total assets | 64.8559% | 2,865 |
| Net loans and leases to deposits | 85.8695% | 1,616 |
| Net loans and leases to core deposits | 88.4937% | 2,146 |
| Total domestic deposits to total assets | 75.5284% | 6,528 |
| Equity capital to assets | 8.3273% | 6,353 |
| Core capital (leverage) ratio | 8.2889% | 5,925 |
| Tier 1 risk-based capital ratio | 15.1221% | 3,687 |
| Total risk-based capital ratio | 16.3719% | 3,655 |
| Memoranda: | ||
| Average total assets | $168,687,670 | 3,522 |
| Average earning assets | $158,059,330 | 3,463 |
| Average equity | $13,869,000 | 4,220 |
| Average total loans | $110,807,670 | 3,313 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 832 |
| Cost of funding earning assets | 1.5703% | 212 |
| Net interest margin | 3.8813% | 3,000 |
| Noninterest income to average assets | 0.5414% | 3,622 |
| Noninterest expense to average assets | 2.9575% | 3,427 |
| Loan and lease loss provision to assets | 0.1336% | 3,685 |
| Net operating income to assets | 0.7465% | 3,642 |
| Return on assets (ROA) | 0.7465% | 3,879 |
| Pretax return on assets | 1.0876% | 3,375 |
| Return on Equity (ROE) | 9.1397% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.1177% | 1,944 |
| Net charge-offs to loans | -0.0109% | 5,972 |
| Credit loss provision to net charge-offs | -1,866.6667% | 6,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7763% | 3,661 |
| Assets per employee ($millions) | 3.0790% | 6,002 |
| Cash dividends to net income (ytd only)* | 11.1821% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 6,112 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 5,885 |
| Noncurrent loans to loans | 0.3205% | 6,038 |
| Net loans and leases to total assets | 65.6376% | 2,537 |
| Net loans and leases to deposits | 86.9668% | 1,297 |
| Net loans and leases to core deposits | 89.9748% | 1,852 |
| Total domestic deposits to total assets | 75.4743% | 6,595 |
| Equity capital to assets | 8.1744% | 6,391 |
| Core capital (leverage) ratio | 8.0623% | 6,196 |
| Tier 1 risk-based capital ratio | 14.8769% | 3,837 |
| Total risk-based capital ratio | 16.1268% | 3,809 |
| Memoranda: | ||
| Average total assets | $167,710,000 | 3,559 |
| Average earning assets | $157,164,000 | 3,488 |
| Average equity | $13,698,500 | 4,258 |
| Average total loans | $110,287,500 | 3,348 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 942 |
| Cost of funding earning assets | 1.7740% | 237 |
| Net interest margin | 3.8316% | 3,663 |
| Noninterest income to average assets | 0.5245% | 3,686 |
| Noninterest expense to average assets | 2.9555% | 3,751 |
| Loan and lease loss provision to assets | 0.2628% | 3,590 |
| Net operating income to assets | 0.6254% | 3,853 |
| Return on assets (ROA) | 0.6331% | 4,018 |
| Pretax return on assets | 0.8930% | 3,628 |
| Return on Equity (ROE) | 8.0664% | 2,868 |
| Retained earnings to average equity (ytd only) | 6.5754% | 1,707 |
| Net charge-offs to loans | 0.2632% | 4,122 |
| Credit loss provision to net charge-offs | 154.2254% | 1,820 |
| Earnings coverage of net charge-offs (x) | 6.7183% | 2,465 |
| Efficiency ratio | 72.0767% | 3,566 |
| Assets per employee ($millions) | 2.9656% | 6,169 |
| Cash dividends to net income (ytd only)* | 18.4834% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 6,278 |
| Loan loss allowance to noncurrent loans | 390.5109% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 5,829 |
| Noncurrent loans to loans | 0.2531% | 6,225 |
| Net loans and leases to total assets | 64.5377% | 3,072 |
| Net loans and leases to deposits | 84.4437% | 1,866 |
| Net loans and leases to core deposits | 86.6985% | 2,543 |
| Total domestic deposits to total assets | 76.4269% | 6,428 |
| Equity capital to assets | 8.1614% | 6,474 |
| Core capital (leverage) ratio | 7.6630% | 6,562 |
| Tier 1 risk-based capital ratio | 15.1450% | 3,550 |
| Total risk-based capital ratio | 16.3579% | 3,540 |
| Memoranda: | ||
| Average total assets | $166,637,600 | 3,544 |
| Average earning assets | $155,523,400 | 3,483 |
| Average equity | $13,079,000 | 4,328 |
| Average total loans | $107,887,800 | 3,433 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 1,264 |
| Cost of funding earning assets | 1.7964% | 262 |
| Net interest margin | 3.6981% | 4,344 |
| Noninterest income to average assets | 0.5396% | 3,586 |
| Noninterest expense to average assets | 2.9491% | 3,744 |
| Loan and lease loss provision to assets | 0.2374% | 3,635 |
| Net operating income to assets | 0.5772% | 4,189 |
| Return on assets (ROA) | 0.5772% | 4,370 |
| Pretax return on assets | 0.8042% | 4,111 |
| Return on Equity (ROE) | 7.4276% | 3,312 |
| Retained earnings to average equity (ytd only) | 5.7302% | 2,718 |
| Net charge-offs to loans | 0.1929% | 4,259 |
| Credit loss provision to net charge-offs | 190.3846% | 1,524 |
| Earnings coverage of net charge-offs (x) | 8.3528% | 2,191 |
| Efficiency ratio | 73.5176% | 3,273 |
| Assets per employee ($millions) | 2.9456% | 6,237 |
| Cash dividends to net income (ytd only)* | 22.8528% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 6,541 |
| Loan loss allowance to noncurrent loans | 115.0115% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 5,116 |
| Noncurrent loans to loans | 0.7984% | 5,275 |
| Net loans and leases to total assets | 64.0060% | 3,304 |
| Net loans and leases to deposits | 83.6019% | 2,066 |
| Net loans and leases to core deposits | 85.7943% | 2,805 |
| Total domestic deposits to total assets | 76.5605% | 6,443 |
| Equity capital to assets | 7.8910% | 6,759 |
| Core capital (leverage) ratio | 7.7852% | 6,577 |
| Tier 1 risk-based capital ratio | 14.4403% | 4,020 |
| Total risk-based capital ratio | 15.5419% | 4,095 |
| Memoranda: | ||
| Average total assets | $166,778,250 | 3,565 |
| Average earning assets | $155,642,500 | 3,507 |
| Average equity | $12,960,250 | 4,358 |
| Average total loans | $107,797,000 | 3,467 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 1,223 |
| Cost of funding earning assets | 1.8260% | 281 |
| Net interest margin | 3.7074% | 4,225 |
| Noninterest income to average assets | 0.4868% | 3,963 |
| Noninterest expense to average assets | 2.9170% | 3,954 |
| Loan and lease loss provision to assets | 0.1466% | 4,476 |
| Net operating income to assets | 0.6190% | 3,964 |
| Return on assets (ROA) | 0.6190% | 4,094 |
| Pretax return on assets | 0.8786% | 3,719 |
| Return on Equity (ROE) | 8.0068% | 2,945 |
| Retained earnings to average equity (ytd only) | 5.4415% | 2,719 |
| Net charge-offs to loans | -0.0279% | 6,901 |
| Credit loss provision to net charge-offs | -813.3333% | 6,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6280% | 3,434 |
| Assets per employee ($millions) | 3.0296% | 6,018 |
| Cash dividends to net income (ytd only)* | 32.0388% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 6,580 |
| Loan loss allowance to noncurrent loans | 646.1039% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 6,100 |
| Noncurrent loans to loans | 0.1436% | 6,621 |
| Net loans and leases to total assets | 63.7732% | 3,515 |
| Net loans and leases to deposits | 83.2333% | 2,230 |
| Net loans and leases to core deposits | 85.5994% | 2,977 |
| Total domestic deposits to total assets | 76.6198% | 6,505 |
| Equity capital to assets | 7.8180% | 6,797 |
| Core capital (leverage) ratio | 7.7187% | 6,569 |
| Tier 1 risk-based capital ratio | 14.2586% | 3,974 |
| Total risk-based capital ratio | 15.3629% | 4,057 |
| Memoranda: | ||
| Average total assets | $166,404,330 | 3,591 |
| Average earning assets | $155,096,000 | 3,541 |
| Average equity | $12,864,000 | 4,372 |
| Average total loans | $107,575,330 | 3,515 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5945% | 1,065 |
| Cost of funding earning assets | 1.8571% | 305 |
| Net interest margin | 3.7374% | 3,905 |
| Noninterest income to average assets | 0.4642% | 4,155 |
| Noninterest expense to average assets | 2.8672% | 4,207 |
| Loan and lease loss provision to assets | 0.2165% | 3,486 |
| Net operating income to assets | 0.6134% | 3,971 |
| Return on assets (ROA) | 0.6134% | 4,036 |
| Pretax return on assets | 0.8611% | 3,658 |
| Return on Equity (ROE) | 7.9797% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.0409% | 2,131 |
| Net charge-offs to loans | 0.0446% | 4,498 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 717 |
| Efficiency ratio | 72.3171% | 3,802 |
| Assets per employee ($millions) | 3.0284% | 6,101 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 6,749 |
| Loan loss allowance to noncurrent loans | 384.8361% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 5,455 |
| Noncurrent loans to loans | 0.2284% | 6,521 |
| Net loans and leases to total assets | 63.5773% | 3,523 |
| Net loans and leases to deposits | 83.3812% | 2,121 |
| Net loans and leases to core deposits | 85.9579% | 2,880 |
| Total domestic deposits to total assets | 76.2489% | 6,629 |
| Equity capital to assets | 7.7401% | 6,719 |
| Core capital (leverage) ratio | 7.6459% | 6,611 |
| Tier 1 risk-based capital ratio | 14.0429% | 4,045 |
| Total risk-based capital ratio | 15.0794% | 4,169 |
| Memoranda: | ||
| Average total assets | $166,292,500 | 3,616 |
| Average earning assets | $154,867,500 | 3,567 |
| Average equity | $12,782,500 | 4,388 |
| Average total loans | $107,733,500 | 3,545 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8158% | 1,235 |
| Cost of funding earning assets | 2.1789% | 327 |
| Net interest margin | 3.6369% | 4,635 |
| Noninterest income to average assets | 0.5610% | 3,740 |
| Noninterest expense to average assets | 2.8956% | 4,243 |
| Loan and lease loss provision to assets | 0.3129% | 4,295 |
| Net operating income to assets | 0.5213% | 3,996 |
| Return on assets (ROA) | 0.5213% | 4,151 |
| Pretax return on assets | 0.7280% | 3,880 |
| Return on Equity (ROE) | 7.0436% | 3,098 |
| Retained earnings to average equity (ytd only) | 5.6235% | 2,039 |
| Net charge-offs to loans | 0.1279% | 5,625 |
| Credit loss provision to net charge-offs | 372.1429% | 683 |
| Earnings coverage of net charge-offs (x) | 12.3786% | 1,512 |
| Efficiency ratio | 73.1309% | 3,575 |
| Assets per employee ($millions) | 2.9647% | 6,180 |
| Cash dividends to net income (ytd only)* | 20.1613% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8368% | 6,889 |
| Loan loss allowance to noncurrent loans | 236.7188% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 5,029 |
| Noncurrent loans to loans | 0.3535% | 6,352 |
| Net loans and leases to total assets | 64.8846% | 3,691 |
| Net loans and leases to deposits | 85.1439% | 2,252 |
| Net loans and leases to core deposits | 88.0292% | 3,045 |
| Total domestic deposits to total assets | 76.2058% | 6,611 |
| Equity capital to assets | 7.6332% | 6,793 |
| Core capital (leverage) ratio | 7.5348% | 6,675 |
| Tier 1 risk-based capital ratio | 13.5117% | 4,187 |
| Total risk-based capital ratio | 14.4946% | 4,368 |
| Memoranda: | ||
| Average total assets | $166,493,200 | 3,597 |
| Average earning assets | $154,527,600 | 3,564 |
| Average equity | $12,323,200 | 4,519 |
| Average total loans | $109,491,400 | 3,557 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8459% | 1,264 |
| Cost of funding earning assets | 2.2433% | 332 |
| Net interest margin | 3.6027% | 4,861 |
| Noninterest income to average assets | 0.5562% | 3,742 |
| Noninterest expense to average assets | 2.9089% | 4,052 |
| Loan and lease loss provision to assets | 0.2769% | 4,370 |
| Net operating income to assets | 0.5106% | 4,269 |
| Return on assets (ROA) | 0.5106% | 4,460 |
| Pretax return on assets | 0.7106% | 4,194 |
| Return on Equity (ROE) | 6.9522% | 3,365 |
| Retained earnings to average equity (ytd only) | 5.3721% | 2,723 |
| Net charge-offs to loans | 0.1057% | 5,485 |
| Credit loss provision to net charge-offs | 397.7011% | 765 |
| Earnings coverage of net charge-offs (x) | 14.1835% | 1,533 |
| Efficiency ratio | 74.2041% | 3,288 |
| Assets per employee ($millions) | 2.8094% | 6,567 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 6,920 |
| Loan loss allowance to noncurrent loans | 150.8306% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 4,796 |
| Noncurrent loans to loans | 0.5563% | 6,088 |
| Net loans and leases to total assets | 64.7399% | 3,964 |
| Net loans and leases to deposits | 85.0801% | 2,503 |
| Net loans and leases to core deposits | 87.0351% | 3,518 |
| Total domestic deposits to total assets | 76.0929% | 6,637 |
| Equity capital to assets | 7.5226% | 7,118 |
| Core capital (leverage) ratio | 7.4250% | 6,906 |
| Tier 1 risk-based capital ratio | 13.3202% | 4,335 |
| Total risk-based capital ratio | 14.3040% | 4,515 |
| Memoranda: | ||
| Average total assets | $166,610,500 | 3,643 |
| Average earning assets | $154,474,250 | 3,613 |
| Average equity | $12,235,750 | 4,617 |
| Average total loans | $109,706,000 | 3,607 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8699% | 1,252 |
| Cost of funding earning assets | 2.2940% | 343 |
| Net interest margin | 3.5760% | 4,919 |
| Noninterest income to average assets | 0.5405% | 3,790 |
| Noninterest expense to average assets | 2.8940% | 4,101 |
| Loan and lease loss provision to assets | 0.2612% | 4,311 |
| Net operating income to assets | 0.5057% | 4,301 |
| Return on assets (ROA) | 0.5057% | 4,447 |
| Pretax return on assets | 0.7010% | 4,236 |
| Return on Equity (ROE) | 6.9419% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.1194% | 2,268 |
| Net charge-offs to loans | 0.1107% | 5,054 |
| Credit loss provision to net charge-offs | 357.3770% | 1,025 |
| Earnings coverage of net charge-offs (x) | 13.1639% | 1,609 |
| Efficiency ratio | 74.6116% | 3,346 |
| Assets per employee ($millions) | 2.8871% | 6,380 |
| Cash dividends to net income (ytd only)* | 11.8483% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 6,968 |
| Loan loss allowance to noncurrent loans | 66.5928% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4989% | 4,210 |
| Noncurrent loans to loans | 1.2440% | 4,890 |
| Net loans and leases to total assets | 64.4107% | 4,173 |
| Net loans and leases to deposits | 84.9027% | 2,721 |
| Net loans and leases to core deposits | 86.4967% | 3,766 |
| Total domestic deposits to total assets | 75.8641% | 6,719 |
| Equity capital to assets | 7.3729% | 7,181 |
| Core capital (leverage) ratio | 7.2760% | 7,012 |
| Tier 1 risk-based capital ratio | 13.0777% | 4,375 |
| Total risk-based capital ratio | 14.0458% | 4,577 |
| Memoranda: | ||
| Average total assets | $166,896,000 | 3,652 |
| Average earning assets | $154,754,670 | 3,622 |
| Average equity | $12,158,000 | 4,640 |
| Average total loans | $110,202,330 | 3,631 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9807% | 1,013 |
| Cost of funding earning assets | 2.3312% | 389 |
| Net interest margin | 3.6496% | 4,491 |
| Noninterest income to average assets | 0.5354% | 3,772 |
| Noninterest expense to average assets | 2.9433% | 3,892 |
| Loan and lease loss provision to assets | 0.2713% | 3,855 |
| Net operating income to assets | 0.5065% | 4,364 |
| Return on assets (ROA) | 0.5065% | 4,505 |
| Pretax return on assets | 0.7034% | 4,222 |
| Return on Equity (ROE) | 6.9960% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.1671% | 2,539 |
| Net charge-offs to loans | 0.1154% | 4,286 |
| Credit loss provision to net charge-offs | 353.1250% | 1,145 |
| Earnings coverage of net charge-offs (x) | 12.6875% | 1,549 |
| Efficiency ratio | 74.6936% | 3,452 |
| Assets per employee ($millions) | 2.9521% | 6,325 |
| Cash dividends to net income (ytd only)* | 11.8483% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 6,997 |
| Loan loss allowance to noncurrent loans | 72.9961% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 4,475 |
| Noncurrent loans to loans | 1.1626% | 5,039 |
| Net loans and leases to total assets | 65.1277% | 4,079 |
| Net loans and leases to deposits | 85.5275% | 2,674 |
| Net loans and leases to core deposits | 86.9381% | 3,763 |
| Total domestic deposits to total assets | 76.1482% | 6,731 |
| Equity capital to assets | 7.2248% | 7,269 |
| Core capital (leverage) ratio | 7.1293% | 7,156 |
| Tier 1 risk-based capital ratio | 12.4980% | 4,755 |
| Total risk-based capital ratio | 13.4763% | 4,943 |
| Memoranda: | ||
| Average total assets | $166,618,000 | 3,721 |
| Average earning assets | $154,429,500 | 3,680 |
| Average equity | $12,064,000 | 4,707 |
| Average total loans | $110,924,500 | 3,663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3659% | 895 |
| Cost of funding earning assets | 2.8842% | 327 |
| Net interest margin | 3.4817% | 5,029 |
| Noninterest income to average assets | 0.6836% | 3,064 |
| Noninterest expense to average assets | 3.0079% | 4,114 |
| Loan and lease loss provision to assets | 0.3153% | 4,926 |
| Net operating income to assets | 0.4249% | 4,029 |
| Return on assets (ROA) | 0.4262% | 4,130 |
| Pretax return on assets | 0.5992% | 3,901 |
| Return on Equity (ROE) | 5.9085% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.6448% | 2,007 |
| Net charge-offs to loans | 0.2362% | 5,148 |
| Credit loss provision to net charge-offs | 196.1686% | 2,017 |
| Earnings coverage of net charge-offs (x) | 5.6782% | 2,525 |
| Efficiency ratio | 76.3274% | 3,472 |
| Assets per employee ($millions) | 2.9459% | 6,354 |
| Cash dividends to net income (ytd only)* | 21.3873% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 7,180 |
| Loan loss allowance to noncurrent loans | 80.7586% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 4,708 |
| Noncurrent loans to loans | 0.9711% | 5,374 |
| Net loans and leases to total assets | 66.9518% | 3,938 |
| Net loans and leases to deposits | 89.2229% | 2,350 |
| Net loans and leases to core deposits | 138.4958% | 860 |
| Total domestic deposits to total assets | 75.0388% | 6,857 |
| Equity capital to assets | 7.2566% | 7,230 |
| Core capital (leverage) ratio | 7.1581% | 7,103 |
| Tier 1 risk-based capital ratio | 12.1994% | 4,771 |
| Total risk-based capital ratio | 13.1023% | 5,036 |
| Memoranda: | ||
| Average total assets | $162,372,600 | 3,722 |
| Average earning assets | $150,960,400 | 3,693 |
| Average equity | $11,712,000 | 4,811 |
| Average total loans | $110,488,200 | 3,682 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4359% | 864 |
| Cost of funding earning assets | 2.9903% | 340 |
| Net interest margin | 3.4457% | 5,086 |
| Noninterest income to average assets | 0.6620% | 3,279 |
| Noninterest expense to average assets | 2.9927% | 4,072 |
| Loan and lease loss provision to assets | 0.2449% | 5,003 |
| Net operating income to assets | 0.4459% | 4,214 |
| Return on assets (ROA) | 0.4477% | 4,305 |
| Pretax return on assets | 0.6332% | 4,077 |
| Return on Equity (ROE) | 6.2159% | 3,435 |
| Retained earnings to average equity (ytd only) | 4.8079% | 2,602 |
| Net charge-offs to loans | 0.2442% | 4,522 |
| Credit loss provision to net charge-offs | 147.0297% | 3,298 |
| Earnings coverage of net charge-offs (x) | 5.2573% | 2,885 |
| Efficiency ratio | 76.9821% | 3,325 |
| Assets per employee ($millions) | 2.7878% | 6,665 |
| Cash dividends to net income (ytd only)* | 22.6526% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 7,441 |
| Loan loss allowance to noncurrent loans | 228.7037% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 5,634 |
| Noncurrent loans to loans | 0.2934% | 6,777 |
| Net loans and leases to total assets | 66.6825% | 4,265 |
| Net loans and leases to deposits | 88.1139% | 2,934 |
| Net loans and leases to core deposits | 136.9058% | 1,057 |
| Total domestic deposits to total assets | 75.6776% | 6,646 |
| Equity capital to assets | 7.2016% | 7,488 |
| Core capital (leverage) ratio | 7.1033% | 7,359 |
| Tier 1 risk-based capital ratio | 12.2965% | 4,714 |
| Total risk-based capital ratio | 13.0772% | 5,071 |
| Memoranda: | ||
| Average total assets | $161,723,750 | 3,767 |
| Average earning assets | $150,484,500 | 3,713 |
| Average equity | $11,647,250 | 4,886 |
| Average total loans | $110,279,750 | 3,727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5125% | 801 |
| Cost of funding earning assets | 3.0779% | 378 |
| Net interest margin | 3.4346% | 5,050 |
| Noninterest income to average assets | 0.6542% | 3,313 |
| Noninterest expense to average assets | 3.0036% | 4,069 |
| Loan and lease loss provision to assets | 0.2251% | 4,778 |
| Net operating income to assets | 0.4390% | 4,341 |
| Return on assets (ROA) | 0.4390% | 4,447 |
| Pretax return on assets | 0.6231% | 4,252 |
| Return on Equity (ROE) | 6.0960% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.7852% | 2,125 |
| Net charge-offs to loans | 0.2250% | 4,088 |
| Credit loss provision to net charge-offs | 145.9677% | 3,168 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,823 |
| Efficiency ratio | 77.5912% | 3,406 |
| Assets per employee ($millions) | 2.7490% | 6,740 |
| Cash dividends to net income (ytd only)* | 5.0992% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 7,558 |
| Loan loss allowance to noncurrent loans | 152.1459% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 5,468 |
| Noncurrent loans to loans | 0.4215% | 6,460 |
| Net loans and leases to total assets | 67.7298% | 4,200 |
| Net loans and leases to deposits | 90.0863% | 2,822 |
| Net loans and leases to core deposits | 141.9858% | 933 |
| Total domestic deposits to total assets | 75.1833% | 6,725 |
| Equity capital to assets | 7.2506% | 7,447 |
| Core capital (leverage) ratio | 7.1504% | 7,406 |
| Tier 1 risk-based capital ratio | 12.3623% | 4,629 |
| Total risk-based capital ratio | 13.1189% | 4,940 |
| Memoranda: | ||
| Average total assets | $160,805,670 | 3,810 |
| Average earning assets | $149,711,000 | 3,750 |
| Average equity | $11,581,330 | 4,929 |
| Average total loans | $110,233,330 | 3,760 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4811% | 901 |
| Cost of funding earning assets | 3.1615% | 385 |
| Net interest margin | 3.3197% | 5,434 |
| Noninterest income to average assets | 0.6296% | 3,355 |
| Noninterest expense to average assets | 3.0354% | 3,606 |
| Loan and lease loss provision to assets | 0.1899% | 4,542 |
| Net operating income to assets | 0.3548% | 5,047 |
| Return on assets (ROA) | 0.3548% | 5,232 |
| Pretax return on assets | 0.4972% | 5,086 |
| Return on Equity (ROE) | 4.9426% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.9426% | 3,159 |
| Net charge-offs to loans | 0.0654% | 4,553 |
| Credit loss provision to net charge-offs | 422.2222% | 1,253 |
| Earnings coverage of net charge-offs (x) | 15.2778% | 1,617 |
| Efficiency ratio | 81.1409% | 2,658 |
| Assets per employee ($millions) | 2.8877% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6667% | 7,536 |
| Loan loss allowance to noncurrent loans | 62.0893% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 5,259 |
| Noncurrent loans to loans | 1.0737% | 4,833 |
| Net loans and leases to total assets | 66.7167% | 4,408 |
| Net loans and leases to deposits | 87.6109% | 3,351 |
| Net loans and leases to core deposits | 142.1829% | 1,006 |
| Total domestic deposits to total assets | 76.1511% | 6,482 |
| Equity capital to assets | 7.0262% | 7,665 |
| Core capital (leverage) ratio | 6.9271% | 7,679 |
| Tier 1 risk-based capital ratio | 12.1758% | 4,808 |
| Total risk-based capital ratio | 12.9637% | 5,117 |
| Memoranda: | ||
| Average total assets | $160,112,000 | 3,834 |
| Average earning assets | $149,172,000 | 3,766 |
| Average equity | $11,492,000 | 4,979 |
| Average total loans | $110,069,000 | 3,787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0326% | 1,047 |
| Cost of funding earning assets | 3.5304% | 478 |
| Net interest margin | 3.5022% | 5,288 |
| Noninterest income to average assets | 0.9033% | 1,948 |
| Noninterest expense to average assets | 3.0440% | 3,927 |
| Loan and lease loss provision to assets | 0.4571% | 3,004 |
| Net operating income to assets | 0.4802% | 4,827 |
| Return on assets (ROA) | 0.4802% | 4,646 |
| Pretax return on assets | 0.6825% | 4,451 |
| Return on Equity (ROE) | 6.3069% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.1918% | 1,912 |
| Net charge-offs to loans | 0.3329% | 3,173 |
| Credit loss provision to net charge-offs | 193.9481% | 2,525 |
| Earnings coverage of net charge-offs (x) | 4.8357% | 3,841 |
| Efficiency ratio | 72.3377% | 3,873 |
| Assets per employee ($millions) | 2.7303% | 6,719 |
| Cash dividends to net income (ytd only)* | 17.6803% | 4,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 7,582 |
| Loan loss allowance to noncurrent loans | 141.7004% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 6,337 |
| Noncurrent loans to loans | 0.4508% | 5,998 |
| Net loans and leases to total assets | 69.9669% | 4,021 |
| Net loans and leases to deposits | 92.1147% | 3,114 |
| Net loans and leases to core deposits | 150.7573% | 828 |
| Total domestic deposits to total assets | 75.9563% | 6,252 |
| Equity capital to assets | 7.3375% | 7,525 |
| Core capital (leverage) ratio | 7.2449% | 7,478 |
| Tier 1 risk-based capital ratio | 12.3338% | 4,562 |
| Total risk-based capital ratio | 13.1003% | 4,848 |
| Memoranda: | ||
| Average total assets | $147,242,200 | 3,948 |
| Average earning assets | $137,914,600 | 3,893 |
| Average equity | $11,210,000 | 5,065 |
| Average total loans | $104,246,000 | 3,842 |